Latest news with #NerdWallet
Business Wire
a day ago
- Business
- Business Wire
NerdWallet Announces Conference Call to Review 2025 Second Quarter Financial Results
SAN FRANCISCO--(BUSINESS WIRE)-- NerdWallet, Inc. (NASDAQ: NRDS), which provides trustworthy financial guidance to consumers and small and mid-sized businesses (SMBs), today announced that it will release its second quarter 2025 financial results on Thursday, August 7, 2025, and hold a related conference call to discuss the results at 1:30 p.m. Pacific Time the same day. Investors and other interested parties may listen to the call by clicking on the registration link for the webcast or audio conference at NerdWallet's Investor Relations site, where a letter to shareholders will also be posted. The webcast replay will be available on the Investor Relations website for 12 months following the event. ABOUT NERDWALLET NerdWallet (Nasdaq: NRDS) is on a mission to provide clarity for all of life's financial decisions. As a personal finance website and app, NerdWallet provides consumers with trustworthy and knowledgeable financial information so they can make smart money moves. From finding the best credit card to buying a house, NerdWallet is there to help consumers make financial decisions with confidence. Consumers have free access to our expert content and comparison shopping marketplaces, plus a data-driven app, which helps them stay on top of their finances and save time and money, giving them the freedom to do more. NerdWallet is available for consumers in the U.S., UK, Canada and Australia. 'NerdWallet' is a trademark of NerdWallet, Inc. All rights reserved. Other names and trademarks used herein may be trademarks of their respective owners.
Time of India
12-07-2025
- Health
- Time of India
It's time you knew about these 5 natural alternatives to retinol
(Image Credits: Pinterest) With the introduction of Korean products into the Indian market, it seems women have gone gaga over the launch of various serums, face masks, and toners - products the Indian skincare scene wasn't really familiar with before. Amidst this huge K-beauty wave came a formulation that sounded super promising for our skin but also brought along some side effects that didn't sit well with many. We are talking about retinol in skincare, which has been a game-changer for some but a total turnoff for others. Praised for its ability to tackle signs of ageing, acne, and uneven skin tone, retinol quickly became a staple in many girls' vanities. But despite its perks, it's not for everyone, especially if you have sensitive skin that can't handle its strength. What is Retinol ? Retinol is a vitamin A derivative that boosts cell turnover, stimulates collagen production, and unclogs pores. It's widely regarded as one of the most effective anti-ageing ingredients and is usually recommended starting in your early 30s. Valued for skin renewal and rejuvenation, retinol penetrates deep into the skin and interacts with receptors, influencing cellular processes. But if your skin is sensitive, it's best to avoid retinol, it's a potent formula that can either make or break your skin. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Mortgage Rates Drop Across the Board - Compare Rates Today for Savings NerdWallet Learn More Undo (Image Credits: Pinterest) No worries though, if you would rather skip retinol creams and serums, Mother Nature's got your back. Here are five natural alternatives to try that can give you noticeable results. Bakuchiol Derived from the seeds of the babchi plant, bakuchiol is the perfect natural swap for retinol. With the rise of clean skincare, bakuchiol has become a favorite because it works like retinol by boosting collagen and cell turnover but without causing irritation. It's gentle enough for sensitive skin and still packs a punch. Natural ingredients for glowing skin NovoRetin This water-soluble ingredient comes from the mastic tree and boosts the amount of naturally occurring retinoic acid in your skin, delivering retinol-like benefits. NovoRetin improves skin elasticity and density, reduces wrinkles and blemishes, and shrinks the look of pores. Plus, unlike retinol, it's stable and gentle, with no harsh aftereffects. Rosehip oil Made from pressed seeds and fruit of the rose plant, rosehip oil is loaded with antioxidants that support healthy skin. It's well-known for reducing hyperpigmentation and scars, calming irritation, and protecting against inflammation. It also contains fatty acids that build ceramides, helping deeply hydrate your skin and improve your complexion. (Image Credits: Pinterest) Carrot seed oil A rich source of vitamin A and antioxidants, carrot seed oil is a powerful natural option. It fights free radicals and environmental damage and serves as a great vegan alternative to retinol. You can easily add it to your skincare routine for a gentle yet effective boost. Rosemary extract Rosemary extract is another solid retinol alternative thanks to its strong antioxidant properties and skin-nourishing benefits. It acts as an anti-inflammatory and has antibacterial powers, soothing inflammation and calming acne-prone skin.
Forbes
10-07-2025
- Business
- Forbes
The Playbook For Financial Gains: Plan Like The Pros
Scott Underwood, Founder and CEO, Socium Advisors. Whether from a multimillion-dollar sports contract, an unexpected inheritance or a lottery jackpot, an unforeseen accumulation of wealth presents both incredible opportunities and significant challenges. From anxiety surrounding money management to the changes in relationships when friends and family learn of the newfound wealth, people can feel pressured into making uninformed, rushed decisions. Hearing from our clients, we know that Americans, in general, admit to overspending. According to NerdWallet, 83% of Americans admit to overspending, and 84% of those who follow a budget report exceeding it. This pattern of overspending becomes even more problematic when combined with heightened anxiety, which can impair decision-making, either by causing delays or prompting impulsive choices. When emotional stress intersects with poor spending habits, even a financial windfall can quickly vanish, leaving individuals in a difficult financial situation despite their temporary gains. Without a solid plan, emotional decision-making, overspending and poor investments can quickly erode even the most substantial gains. The First Move: Pause And Assess One of the biggest mistakes people make after receiving significant financial windfalls is acting too quickly. The urge to upgrade homes, cars and lifestyles, or to help family and friends, can be overwhelming. But before making any major financial decisions, the smartest move is to take a step back. Take the breathing room needed to evaluate the next steps. It's crucial to understand the tax implications of this new wealth—whether it's income tax on a signing bonus, estate tax on an inheritance or capital gains tax on investments. Miscalculating tax obligations can create significant financial headaches down the line. Building A Winning Team Trying to manage a large sum of money alone is a risky strategy. Even those who are financially savvy benefit from surrounding themselves with a team of professionals who can offer expertise and long-term perspective. A strong financial team typically includes a financial advisor to create a comprehensive plan, a tax expert to navigate obligations and opportunities and a legal advisor to protect assets and ensure proper estate planning. Professional athletes, for example, often earn the bulk of their lifetime income in a short window of time. Without careful management, that wealth can evaporate quickly. Individuals can create a financial strategy that extends beyond their peak earning years by working with advisors who understand the unique challenges of high earners. From Gain To Long-Term Wealth: Creating A Plan Thinking long-term is the key to turning a sudden influx of money into lasting financial security. That starts with defining clear financial goals. For some, that may mean paying off debt and securing an emergency fund. For others, it may involve building a diversified investment portfolio, purchasing real estate or setting up charitable foundations. A thoughtful financial plan isn't just about protecting wealth—it's about making it grow. Diversifying investments across asset classes can help mitigate risk while ensuring long-term financial health. Establishing estate plans, such as trusts and wills, protects wealth for future generations and minimizes legal complications. Avoiding Common Pitfalls The stories of professional athletes, celebrities and lottery winners who lost their fortunes are cautionary tales that underscore the importance of financial discipline. Overspending is one of the most common mistakes; lifestyle inflation can make even the most significant financial gains disappear surprisingly fast. It's easy to assume that there will always be more money, but a high-income lifestyle can become unsustainable without a structured plan. Poor investment choices are another significant risk. When large sums of money become public knowledge, so do unsolicited business opportunities, investment pitches and 'can't-miss' deals. Some may be legitimate, but many are not. These opportunities can become costly mistakes without proper due diligence and professional oversight. Ignoring taxes can also have devastating financial consequences. Many people assume that a significant sum of money is theirs to spend in full, only to be caught off guard when tax bills come due. Failing to plan for these obligations can lead to unexpected financial stress, or worse, legal trouble. A Case Study In Smart Wealth Management The president of our sports and entertainment division, Justin Boeving, sees this far too often. Time and time again, we see cases like that of a professional athlete who received a significant signing bonus early in his career. Like many in his position, he initially felt the urge to make big purchases and enjoy his success. But with careful planning, he took a different path. When we work with clients, we emphasize the importance of allocating a portion of wealth toward long-term investments, building a real estate portfolio that provides passive income and even establishing philanthropic foundations to give back to the community. We find that when we collaborate with athletes, years later, they have not only maintained their wealth but also grown it significantly. His story is a testament to the power of disciplined financial planning—proof that with the right strategy, a financial windfall can transform into a lasting legacy. The Bottom Line: Wealth Is A Long Game Coming into a large sum of money can be life-changing, but without the right strategy it can also be fleeting. The difference between those who sustain wealth and those who lose it often comes down to preparation, discipline and expert guidance. Taking a measured approach, assembling the right team and committing to a long-term vision, financial success doesn't have to be temporary—it can be the foundation for a lifetime of security and opportunity. If you or someone you know is navigating a significant financial opportunity, smart decisions today can lead to financial freedom tomorrow. The information provided here is not investment, tax or financial advice. You should consult with a licensed professional for advice concerning your specific situation. Forbes Finance Council is an invitation-only organization for executives in successful accounting, financial planning and wealth management firms. Do I qualify?
USA Today
09-07-2025
- General
- USA Today
Turn off those lights! These 'poor-people' habits never die.
If you drink only water at restaurants, obsessively turn lights off and force every last globule of toothpaste from the tube, you may be guilty of 'poor-people' habits. And why not? Most of us experience poverty, or near-poverty, at some point in our lives, according to a report from the nonprofit Confronting Poverty. Comparing unit prices at the grocery store, shopping the sale racks and collecting spare change are necessities for many Americans, who are coping with stagnant wages, rising prices and mounting bills. Those routines also happen to make good financial sense. And for many Americans who are financially comfortable, "poor-people" habits never die. A recent Reddit post asked, 'What is a 'poor people' habit you'll never stop doing, no matter how rich you get?' The post went viral: 17,000 upvotes, 12,000 comments, and dozens of habits contributed by Redditors who do not see themselves as poor. It ranks among the most commented posts of the year in the r/AskReddit community. 'To me, all of these just seem like good, frugal habits that all of us should do all the time,' said Kimberly Palmer, personal finance expert at NerdWallet. Here are some of the most popular "poor-people" habits. Grab a pen: ideally, a free one you saved from your last hotel stay. Turning off the lights when you leave a room Switching off lights in empty rooms is a time-honored tradition in cost-conscious homes. When Palmer was growing up in the Washington, D.C., region, 'you could never, never leave a light on if you were not in the room,' she said. Her father was an environmentalist, and the frugal sort. Nowadays, however, turning off lights might not save so much money as you think. When reporters at Wirecutter ran the numbers on a popular energy-efficient LED bulb, they found that leaving it on for 20 hours would cost about three cents. Picking up coins on the ground Many of us would bend over to pick up a quarter on the pavement. But how about a penny? Because of inflation, it now costs the government more to make a penny than the coin is worth. Pennies are being phased out. A YouGov poll from several years ago found that just over half of Americans would stop to pick up a penny. But younger folks are less inclined to stop for loose change, which suggests the habit may be fading away. 'It's crazy how people look at me funny when I pick up a coin,' one Reddit commenter observed. 'Like WTF????? It's money.' Ordering water when dining out This tip makes sense if you don't want to overspend. Any kind of flavored beverage seems to cost more than ever when you're eating out. Restaurants sell soft drinks at a 1,125% markup, according to The Takeout. You're mostly paying for service, not soda. Arguing with yourself over every non-essential purchase Few consumers think twice about buying staples: Bread, milk, toilet paper and such. When it comes to discretionary purchases, however, some cost-conscious consumers wage a fierce internal debate. 'If something costs more than $50,' one Redditor wrote, 'it literally takes me a couple weeks to talk myself into buying it.' Squeezing all of the toothpaste from the tube This habit falls under a broader category that might be termed 'using every last drop.' If you're the type who swirls water inside a seemingly empty dish soap bottle, or who uses centrifugal force to liberate the last of the ketchup, you are an every-last-dropper. 'When the shampoo or conditioner is running down, I always add water to make it last another week,' said Palmer of NerdWallet. Checking the clearance racks first As many savvy shoppers know, the biggest discounts in many mall stores are often not the ones beneath the 'SALE' signs. Instead, they're hanging from clearance racks, a motley assortment of leftovers the store is trying to get rid of. The very best deals, one blogger reports, require a real search. According to the Snail Pacer, a savvy shopper should 'walk the entire perimeter of the store, keeping your eyes peeled for signs that say '75% off or more,' or '50% off already reduced prices.'' The best clearance racks often sit near changing rooms. Collecting hotel soaps and fast-food napkins One mini-bar of hotel soap can last up to 10 days, according to blogger Mavis Butterfield. (She apparently ran experiments to determine this.) Assuming the hotel restocks your room with two little bars each day, 'a four-night stay will net me 8-10 weeks of free soap,' she writes. The same principle applies to fast-food napkins: Some restaurants give you enough to mop up a whole cup of overpriced soda. Keeping leftover nuts and bolts from furniture kits When you purchase a piece of furniture that requires some assembly at home, it typically comes with extra hardware. Penny-pinching consumers balk at throwing it out. 'I have a bin of these,' one Redditor wrote, 'right next to my gift bag full of used gift bags and tissue.' Reusing containers for any storage need This habit sparked a lively Reddit discussion about repurposing glass jars as drinking glasses, reusing strawberry containers for random produce, even washing out plastic storage bags. "I don't think I ever saw a Tupperware container at my house," said Chip Lupo, a writer and analyst at WalletHub. "It was just normal to have every single margarine tub or sour cream container set aside to hold leftovers." Shopping at thrift stores and yard sales 'Thrifting' seems to be trendy. In one recent survey, thrift-store shoppers reported saving an average of $2,071 in 2024. The thrifting trend appeals both to cost-cutters and to advocates of sustainability. 'I try not to buy anything new, if I can avoid it,' one Redditor commented. Comparing prices per unit In supermarket parlance, unit price is what a product costs per ounce or pound or liter. Many stores post unit prices on shelves. Comparing them can be a great way to save money. 'I remember the day I discovered this at the grocery store,' one Redditor wrote. 'It blew my tiny mind.'
Axios
01-07-2025
- Business
- Axios
It's (still) a no-hire/no-fire job market
If you look only at how many Americans are losing their jobs, this appears to be a pretty terrific labor market. If you look only at how many are being hired for new jobs, it is the weakest in years. Why it matters: It makes for a labor market in which those who have a job are able to hold onto it — but the outlook for new entrants to the workforce, or those unhappy with their current positions, is much gloomier. It is a likely factor, for example, in a sky-high unemployment rate among recent college graduates, which has spiked far above the rates for other workers. Driving the news: New Job Openings and Labor Turnover Survey data out Tuesday morning tells the tale. The number of layoffs fell by 188,000 in May, dropping to a rate only a tick above its multidecade lows. But the number of people hired into new jobs also fell by 112,000, to a rate significantly below its pre-pandemic levels. Separately, the Institute for Supply Management said Tuesday morning that manufacturing activity remained in contraction territory in June, adding that "managing head count is still the norm, as opposed to hiring." State of play: Similarly, if you look solely at initial jobless claims — the number of people who have lost their jobs and therefore file for unemployment benefits — everything looks good. But the number of continuing claims — people receiving ongoing benefits — has been gradually rising since 2022. There have been an average of 1.94 million continuing claims for the last four weeks, well above the 1.6 million trend in 2019. Between the lines: That suggests that while not many people are losing their jobs involuntarily, those who do are finding themselves on the jobless rolls for longer, as employers are reluctant to hire. What they're saying: "With employers in a holding pattern, job seekers are left in the lurch," NerdWallet senior economist Elizabeth Renter wrote in a note. "It certainly isn't a labor market friendly to the unemployed, even if it remains on solid footing." "Ultimately, employers are reluctant to make decisions they have to unwind later," Renter added. Of note: Federal Reserve chair Jerome Powell described this as "a more concerning thing" in his news conference last month — even as he and his colleagues view the labor market as being in basically sound shape. He noted that "there's not a lot of layoffs, but there's not a lot of job creation. ... If you're out of work, it's hard to find a job." "So that's an equilibrium we watch very, very carefully, because if there were to be significant layoffs and the job finding rate were to remain this low ... you would have an increase in unemployment fairly quickly." Reality check: There could be better news on the horizon. The number of job openings spiked by 374,000 in May, perhaps reflecting business confidence rebounding after trade war de-escalation.
