More than 22 million American jobs were lost in the past six months; stock markets have been up and down; and people are generally anxious about what’s in their bank accounts right now.



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If you’re lucky enough to have the funds you need despite all the recent economic turbulence, ask yourself one key question, says Bradley T. Klontz, an associate professor of financial psychology at Creighton University: “Why is it OK for you to have money when other people don’t?”

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Answering this question is not about comparing your finances to anyone else’s, he told The New York Times. It’s about seeing money as a tool, rather than as a measuring stick.

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Having a satisfying answer is crucial, “particularly if you come into money fast,” he says. “If you don’t have a good answer, you’re going to sabotage yourself. You’re going to find ways to get rid of it.” Or, he warns, you could end up feeling disconnected from and less active in your community. Remember that “we’re here to make the world a better place,” and money can help you do that.

Wasting time on comparisons or feeling guilty isn’t helpful as it can lead to impulsive decisions or distract from your long-term financial goals. Instead, it’s important to know how to maintain a budget no matter your net worth, and to understand how you earned your money and what you want to do with it, including how it can help you make good, productive decisions.

Understand what money means to you—and have a plan

A 2019 study from Applied Research in

The crypto industry is known for its dramatic price action, euphoria and bubbles. In the latest sustained fad since the 2017 initial coin offering, or the ICO boom, the decentralized finance niche of the industry now captivates the attention of many participants. One particular asset within this niche, YFI, has pumped to amazing price heights, totaling at least 4,400% gains inside a two-month span. Is this price action warranted, and does the token have actual value?

“YFI’s value lies in its design as a governance token, allowing the community to vote and decide on the direction of the Yearn Finance project,” Jason Lau, the chief operating officer of the OKCoin crypto exchange, told Cointelegraph. “As activity within the project and vaults grow, YFI holders can change strategies, launch new vaults, and potentially even redirect treasury or fees to themselves at a later date.”

“While YFI currently does not offer any returns, there are proposals in the works that could see YFI holders that stake their YFI for governance, [they] would get a portion of the performance fees — and potentially even redirect treasury or fees to themselves at a later date,” Lau added, pointing to a relevant blog post.

Although crypto exchanges see value in YFI, their appraisals of the token may be biased because of the profits they gather by hosting trading for a popular asset. Binance, OKCoin and numerous other exchanges provide YFI trading on their respective exchanges.

Setting the scene

YFI is the token associated with the DeFi yield aggregation platform Yearn.finance. Essentially, the project stands as another opportunity for DeFi participants to shift their money around by borrowing and loaning assets for collateral and earning interest on holdings while also trading various pumping assets.

Between late July and the first half of September 2020, YFI ballooned

President Trump’s cutting back on campaign commercials in some of the key Midwestern battlegrounds that helped him win the White House four years ago – and shifting resources to a bunch of crucial swing states further south.

The president’s re-election campaign has dropped roughly $2 million in ad reservations in Michigan and Wisconsin since last month, according to Advertising Analytics , Medium Buying, and Kantar Media’s Campaign Media Analysis Group , three leading ad tracking firms. Trump narrowly won the two states in 2016, breaking a quarter century long winning streak by Democrats.

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The Trump campaign is also currently dark on local TV in Ohio and Iowa, two states he convincingly flipped from blue to red four years ago. And the re-election team is chopping approximately $5 million from its fall TV budget in Minnesota, a state that Democratic presidential nominee Hillary Clinton narrowly won in 2016 but that the president was targeting this year.

The Trump campaign’s moving its money south.

Pointing to what he called a “sun belt strategy,” Advertising Analytics vice president John Link told Fox News that “over the last month, the president’s moved $22 million out of Michigan, Wisconsin, Minnesota, Iowa, and Ohio – and its added $19.8 million to the swing states of Florida, Georgia, Arizona, and North Carolina.”

Democratic presidential nominee Joe Biden’s campaign is currently running ads in the Midwestern states where the Trump campaign is cutting back. And in recent weeks the former vice president’s team has boosted its ad buys in both Iowa and Ohio, which were not considered competitive states at the beginning of the 2020 cycle.

The move by the Trump campaign comes as the Biden campaign entered September with a massive $141 million cash on

  • If you don’t typically file tax returns and never received a stimulus check, you now have until Nov. 21 to file your information with the IRS in order to get your payment.
  • The deadline extension comes as the tax agency is reaching out to millions of Americans who could still be eligible for the money.
  • The $1,200 stimulus checks were authorized by Congress earlier this year. Lawmakers are still negotiating on a new stimulus package that could include a second round of similar payments.



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If you typically don’t file tax returns and haven’t yet received a $1,200 stimulus check, you now have five more weeks to submit your information to the IRS in order to get your money.

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The IRS announced on Monday that it has extended the deadline for non-filers to Saturday, Nov. 21, from the previous Oct. 15 cut-off date.

The deadline applies specifically to people who do not typically file tax returns, usually because they have little to no income, and therefore do not have their information on file with the IRS.

Those who are eligible to use the non-filer tool include individuals with incomes below $12,200 who were not claimed as dependents by someone else, and married couples who earn less than $24,400. Homeless individuals and families also qualify.

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Those who use the IRS non-filer tool can request their stimulus check payment either by direct deposit or paper check. They can also keep tabs on the status of

British Prime Minister Boris Johnson says “there’s a good deal to be done” with the European Union on post-Brexit trade as he prepares for crunch talks with the head of the bloc’s executive arm

LONDON — British Prime Minister Boris Johnson said Saturday that “there’s a good deal to be done” with the European Union on post-Brexit trade, as he prepared for crunch talks with the head of the bloc’s executive arm.

Johnson told reporters that the U.K. wants a free trade deal along the lines of the one the EU has with Canada, but is also prepared for negotiations to fail.

“We’re resolved on either course, we’re prepared for either course and we’ll make it work, but it’s very much up to our friends and partners,” Johnson said.

He and European Commission President Ursula von der Leyen will try to break an impasse in negotiations during a videoconference later Saturday.

The two parties are trying to strike a rudimentary trade deal before then, to avoid a barrage of uncertainty, tariffs and red tape that would hurt economies on both sides.

But while negotiators have inched close to agreement in many areas during six months of talks, they remain deadlocked over European fishing boats’ access to U.K. waters, and over the level of support governments can give to industry. The EU is concerned that British plans to subsidize sectors such as technology will amount to unfair competition.

“We should not forget that we have made progress on many, many different fields. But, of course, the most