Latest news with #Trim
Forbes
5 days ago
- Business
- Forbes
3 Smart Money Moves To Build Wealth During Uncertain Times
Building wealth can be a challenging task, especially in challenging economic times. Recent economic uncertainties —including concerns about job security, rising tariffs, ant the significant increase in the cost of everyday food items like eggs, meat and fish —highlight the urgency of reassessing our financial habits. The current economic climate demands that we become more intentional about how we plan and manage our money to secure a better future and build wealth. While most people would love to have solid finances and secure their long- term financial future, the reality is very different at the moment with 57% of Americans living to paycheck according to a recent MarketWatch report. And, according to a recent Gallop survey, 53% of Americans are now concerned about their financial future, - the highest level recorded since Gallop began tracking this data in 2001. Here are three things that you can implement if you're looking to get a stronger hold on your finances and build wealth despite these challenging times. Young family with cute little baby boy going over finances at home Tracking your spending over the next 30 days can improve your financial health. It can also allow you to pinpoint areas where expenses can be reduced. Common budget drains include unused subscriptions, avoidable fees and charges such credit card interest, overpaying on utilities, cable, phone plans. Apps like Rocket Money and Trim can help you identify and manage unused subscriptions and negotiate bills. Additionally, apps like Empower, You Need a Budget (YNAB), and Monarch can help you take a close look at your expenses and identify where you can reduce your expenses and redirect those savings towards your wealth building goals. You can even take it a step further and budget every dollar to minimize unintentional spending and increase savings. While aggressively paying off debt can contribute to your peace of mind, there are times when a dual approach— paying off debt while also investing in your future— makes better financial sense. If your debt carries an interest rate below 7%, it may be wiser to make regular required payments towards your debt while investing the difference. Historically, the stock market has returned between 7 and 10 % annually and provides a way to build significant wealth over the long-term rather than simply being debt-free or having a zero net worth. Also, prioritizing having an emergency fund of at least six months of living expenses can provide a financial cushion that is crucial in these challenging times. And passing up opportunities such as an employer 401K match or investment opportunities during market downturns to solely focus on getting out of debt can be detrimental to your financial future. Additionally, it's important to start investing by using tax-advantages accounts like 401Ks, 403bs, IRAs to ensure that you are minimizing your tax burden, which will in turn give you more money to invest and provide a bigger opportunity to build wealth. In many cases, investing the difference between your required low interest debt payments and any remaining funds can make a huge difference in your long-term wealth. A couple of young businessmen are astounded by the profits coming in. The S&P 500 dropped by 4.84% on April 3rd, 2025, and by another 5.97% on April 4th, 2025, This year, we witnessed the sharpest declines in the S&P 500 and NASDQ since the COVID-19 crash. Yet by mid-May 2025, the market had rebounded and had regained all its April losses. This pattern shows why it is important to continue to invest even during market downturns, when the market can provide opportunities to buy quality investments at lower prices. This year, we are likely to see more volatility in the market, but that doesn't mean you should step back. It's extremely difficult to time the market. That's why it's wise to dollar cost average into good companies, it will pay off in the long run. Asset allocation dividing an investment portfolio among different asset categories. Diversifying your investments is important in any economic environment, but it's even more important during periods of high market volatility like what we've experienced so far in 2025. For instance, if all your money was invested in Nvidia prior to March 31st, your portfolio would have experienced a drop of 14.7% during those same two highly volatile days of April 2025. In contrast, if your money was spread across a total market ETF like VTI or a VOO, your portfolio would have temporarily declined — by 10.3 and 10.7%, a less severe drop. Diversifying your investments and including low-cost index funds as part of your investment strategy is always wise. If a recession were to hit, no one could predict which stock will thrive 15 years from now —but 100 year of history shows that the broader market tends to recover and grow over time by 7 to 10 % every year on average. By spreading your investments across the market, and into alternative assets like real estate, you can reduce risk, manage volatility, and build a solid path to long-term wealth. Regardless of your current situation is, it's beneficial to closely examine your spending to reduce waste, implement a debt repayment strategy that also optimizes wealth building, and review your investment approach to put enough emphasis on diversification.
Irish Independent
25-05-2025
- Sport
- Irish Independent
Spot of bother as Duleek hit by late sucker punch in Meath derby
TRIM CELTIC 1 Premier Division GAMES between Duleek and Trim Celtic of late have been tight, but the Tollstone side have yet to beat the NEFL giants and that trend continued on Thursday night last when a 90th minute penalty for Robbie Horgan's team denied the hosts what would have been a deserved point. Duleek came into the game in flying form, while Trim have yet to hit the heights this season. Bryan Murphy's side nearly opened the scoring inside the first five minutes. Nippy winger Jayden Clarke was played through and in a one-on-one situation, from a tight angle, his shot squirmed wide of the far post. There wasn't to be another clear-cut chance for the remainder of the half. Trim were very physical and imposing themselves on the game, but all their opportunities came from long range and Jonathan Clear's handling was excellent as he gave the visitors no chance to profit from a spilled ball. Chances were also at a premium in the second half. Duleek won a succession of corner kicks but could not make them count. They looked like they might open the scoring late on when Dylan O'Boyle broke through a gap in the Trim defence. However, his first touch caused the ball to bobble and it just got away from him with only the keeper to beat. Then, in the final minute, Trim won a free kick and a diagonal delivery into the box saw the Duleek defence raise their hands for offside and in the ensuing scramble the ball struck a hand and the referee pointed to the spot. It was a real sucker punch when Brian Faulkner slotted the resulting penalty past Jonathan Clear in the Duleek goal and the visitors saw the game out to inflict just a second defeat of the season on Duleek. Murphy's team have three games remaining in the first half of the campaign. They have yet to play Carrick Rovers, Kentstown Rovers and Albion Rovers, all three of which are winnable, and at least six points from those games will leave them in an excellent position heading into the second half of the season. Duleek: Jonathan Clear, Sean Kennedy, James Traynor (Morgan Browne 46), Ben Boyce, Craig Moore, Jamie McCarthy, Bobby Brady, Matthew Noone (Tom Reilly 61), Dylan O'Boyle, Josh O'Reilly, Jayden Clarke (Cormac McGroggan 61).
Yahoo
23-05-2025
- Business
- Yahoo
Shaklee Continues to Expand Its Innovative Wellness Product Offering Through New Acquisition
MIAMI, May 23, 2025 /PRNewswire/ -- Shaklee, the pioneer of the nutrition supplement industry, is pleased to announce it has acquired substantially all of Modere's business through a subsidiary. The acquisition includes Modere's rights to all the trademarks, patents, and formulas for all Modere products including Liquid BioCell® Collagen and Trim – the two most popular product lines in the Modere portfolio. The acquisition also includes all the manufacturing and testing equipment in Modere's North American manufacturing facilities and all related inventory including Liquid BioCell®, Trim, Burn, Sculpt, and Curb and the rest of the Modere product portfolio. The acquisition agreement includes the exclusive license to sell Liquid BioCell® Collagen going forward, meaning that the same science-backed collagen products customers love, with the same formulas, will be available under the trusted BioCell® name, all powered by Shaklee. Roger Barnett, Chairman and CEO of Shaklee says, "we are thrilled to be able to make available the Liquid BioCell® Collagen and Trim products along with the other great Modere and Shaklee products to the hundreds of thousands of customers who have come to love these products. We are also excited to provide a home for the former Modere Social Marketers and become a place where they can share their passion for helping others live a healthier life for many decades to come." All of these products will be available to purchase through Shaklee's network of ambassadors and on Liquid BioCell® Collagen, Trim, Sculpt, Burn and Curb will all be available for sale as of Wednesday, May 28th, 2025. About Shaklee Shaklee is a leading wellness company founded by Dr. Shaklee, who invented the first multivitamin in the US more than 100 years ago. As a pioneer in sustainability, Shaklee was the first company in the world to fully offset its carbon emissions and have a net zero impact on our planet. Shaklee products are backed by over 110 published clinical studies proving safety and efficacy and are marketed through more than 2 million ambassadors in North America and Asia. With a complete wellness portfolio, Shaklee is committed to providing consumers with the products and support they need to look, feel, and live younger longer. For more information, visit follow @shakleehq on Instagram, or like us on Facebook. BioCell® and BioCell Collagen® are registered trademarks of Biocell Technology LLC, Newport Beach, California USA (Patent Protected). View original content to download multimedia: SOURCE SHAKLEE CORPORATION
The Herald Scotland
12-05-2025
- Politics
- The Herald Scotland
This Harvard scientist hangs on to hope after months in ICE detention
Trim plays Bach or Chopin to calm her until the jail line clicks off at the 15-minute mark and she - a shy, 30-year-old Harvard scientist with no history of immigration violations or criminality - retreats to the bunk where she has slept for nearly three months in immigration detention. "I know he is very worried about me," Petrova told USA TODAY, using one of the phones. "Maybe I should be tougher," said Trim, a biologist, who works in a Harvard Medical School lab with Petrova, his colleague and roommate. "But even after three months, the music doesn't sing anymore unless she calls and wants to hear it." Across the country, President Donald Trump's deportation campaign is ensnaring people of all sorts - not only immigrants with criminal backgrounds, as promised during the presidential campaign. U.S. Immigration and Customs Enforcement has detained international students, immigrants with valid green cards, immigrants with legal work permits; tourists, U.S. citizen children, and, in Petrova's case, top-tier scholars who work legally in the nation's prestigious research labs. A court hearing May 14 could decide her fate. Trim and Petrova met in the Harvard Medical School lab in Boston where they worked together on cutting-edge research on aging and longevity. In photos, he is blond and slender; she has shoulder-length black hair and a round face. He was a British post-doctoral student looking for a place to continue his research. Petrova, a computational scientist, arrived after fleeing Russia. She had been working for the Genome Russia project, mapping the genetic variation of humankind, until she ran afoul of Vladimir Putin's government for protesting Russia's war on Ukraine. "She didn't compromise," Trim said, with awe. "She stood up for what she believed in." In mid-February, Petrova was returning to Boston from France when U.S. Customs and Border Protection stopped her at baggage claim. She had gone to Paris to visit friends and see the concert of a Hungarian pianist she adored. Before she departed, she stopped by a sister laboratory to pick up a package of non-hazardous biological samples to bring back to Harvard, at the request of her boss. The last time they tried to ship the samples they went bad before arriving. Customs officers alleged Petrova didn't properly declare the samples, which included "loose vials of frog cells... without proper permits," the Department of Homeland Security said in a statement. "She knowingly broke the law and took deliberate steps to evade it," according to the statement, which criticized media coverage of "noteworthy individuals," including Petrova. The customs officers could have withheld the samples and issued a fine, her attorney said; instead, they canceled her J-1 scholar visa and detained her. She was turned over to ICE, sent to a processing center in Vermont and then transferred to the Richwood Correctional Center in Monroe, Louisiana. And Petrova and Trim, like many others, began to learn the sometimes cruel idiosyncrasies of the U.S. immigration system. How foreigners can be held without charge. How immigration detention isn't supposed to be punishing, even though detention centers look, feel and often were, in the past, prisons. How expensive it is call in. How distant ICE detention centers often are from major cities. Trim has made the trek from Boston to Monroe - population 46,616 - three times, with a fourth visit planned. Each time, guards shepherd him to a prison wing beyond a double-barbed wire fence, to a room where Petrova waits. They are allowed a quick embrace at the beginning of their two-hour allotment. They sit at the short ends of a long table. They are allowed another quick hug at the end. The first time he asked, "Are you okay?" "The guard sat at a table right behind her," Trim said. "I don't know if he was taking notes. She was in a jumpsuit, a green prison outfit which was kind of sad, especially for someone who has done nothing wrong. She was reserved about what to say." "I miss everything," Petrova told USA TODAY. "To work, to read articles, to discuss with my colleagues, to make experiments, to do science." Trim sends her books direct from Amazon, per detention center rules. Petrova is reading his latest gift: Transformer, by Nick Lane, a book on biochemistry whose central question is: "What brings the Earth to life, and our own lives to an end?" Petrova looks less well each time he sees her, Trim said, by scientific observation. "My masters degree is in nutritional biochemistry," he said. "I noticed very specific things in her eyes, hair and skin and sends her money for commissary. "She buys multivitamins but it's not doing enough." They both miss the freedoms they took for granted. Chatting about the day's research on the six-minute walk from their apartment near Fenway Park to the Harvard lab. Boldly trying new recipes for dinner though neither knows how to cook. Sitting on the floor listening to classical music every night. "I'm not sure why we sat on the floor," Trim said, laughing. Petrova would invariably ask if he'd like some "Russian" tea, maybe while he played the piano? He'd jokingly remind her the tea package was labeled "London." He'd sit down to the piano. "I like listening to his playing very much," Petrova said. "I would even prefer to listening to some professional. The music isn't about technique; it's about feelings." "She was always shy about asking me to play," he said. "I'm not very good but she genuinely liked hearing it. It's all those little things. We would cook, have tea, play music and talk. And then in the morning we'd start again." On weekends, she made cappuccinos. "She has a way to use a French press to froth milk," Trim said. "It's stupid, but I watched a video on YouTube," she said, giggling. "Don't tell him." Most nights now, Trim can't stand to be in the apartment alone, so he walks the streets of Boston until late. Until the clock nears midnight by him, 11 p.m. and lights out by her. He plays the piano. She listens. A woman's automated voice interrupts the phone call: "You have one minute remaining on this call." He plays a few measures more. The line clicks off. Lauren Villagran can be reached at lvillagran@
USA Today
11-05-2025
- Politics
- USA Today
She's in ICE detention. From 1,500 miles away, his piano lulls her to sleep.
She's in ICE detention. From 1,500 miles away, his piano lulls her to sleep. Harvard scientist Kseniia Petrova has been in ICE detention for 3 months. She is one of a growing number of non-criminal immigrants detained by ICE since Donald Trump took office. Show Caption Hide Caption Judge orders Rumeysa Ozturk to be released after claims of mistreatment in immigration detention facility Ozturk, whose student visa was revoked after publishing an op-ed, argues her detention infringes on her First Amendment rights to free speech and due process. Scripps News Every night at midnight, Will Trim sits down to the piano in his Boston apartment and waits for lights out in the Louisiana ICE detention center where his best friend is being held. His cellphone rings. On the other end, Kseniia Petrova is silent. She leans against a brick wall in a freezing ward with 101 other women, cradling one of six working phones to her ear. She listens. Trim plays Bach or Chopin to calm her until the jail line clicks off at the 15-minute mark and she – a shy, 30-year-old Harvard scientist with no history of immigration violations or criminality – retreats to the bunk where she has slept for nearly three months in immigration detention. "I know he is very worried about me," Petrova told USA TODAY, using one of the phones. "Maybe I should be tougher," said Trim, a biologist, who works in a Harvard Medical School lab with Petrova, his colleague and roommate. "But even after three months, the music doesn't sing anymore unless she calls and wants to hear it." Across the country, President Donald Trump's deportation campaign is ensnaring people of all sorts – not only immigrants with criminal backgrounds, as promised during the presidential campaign. U.S. Immigration and Customs Enforcement has detained international students, immigrants with valid green cards, immigrants with legal work permits; tourists, U.S. citizen children, and, in Petrova's case, top-tier scholars who work legally in the nation's prestigious research labs. A court hearing May 14 could decide her fate. Trim and Petrova met in the Harvard Medical School lab in Boston where they worked together on cutting-edge research on aging and longevity. In photos, he is blond and slender; she has shoulder-length black hair and a round face. He was a British post-doctoral student looking for a place to continue his research. Petrova, a computational scientist, arrived after fleeing Russia. She had been working for the Genome Russia project, mapping the genetic variation of humankind, until she ran afoul of Vladimir Putin's government for protesting Russia's war on Ukraine. "She didn't compromise," Trim said, with awe. "She stood up for what she believed in." In mid-February, Petrova was returning to Boston from France when U.S. Customs and Border Protection stopped her at baggage claim. She had gone to Paris to visit friends and see the concert of a Hungarian pianist she adored. Before she departed, she stopped by a sister laboratory to pick up a package of non-hazardous biological samples to bring back to Harvard, at the request of her boss. The last time they tried to ship the samples they went bad before arriving. Customs officers alleged Petrova didn't properly declare the samples, which included "loose vials of frog cells... without proper permits," the Department of Homeland Security said in a statement. "She knowingly broke the law and took deliberate steps to evade it," according to the statement, which criticized media coverage of "noteworthy individuals," including Petrova. The customs officers could have withheld the samples and issued a fine, her attorney said; instead, they canceled her J-1 scholar visa and detained her. She was turned over to ICE, sent to a processing center in Vermont and then transferred to the Richwood Correctional Center in Monroe, Louisiana. And Petrova and Trim, like many others, began to learn the sometimes cruel idiosyncrasies of the U.S. immigration system. How foreigners can be held without charge. How immigration detention isn't supposed to be punishing, even though detention centers look, feel and often were, in the past, prisons. How expensive it is call in. How distant ICE detention centers often are from major cities. Trim has made the trek from Boston to Monroe – population 46,616 – three times, with a fourth visit planned. Each time, guards shepherd him to a prison wing beyond a double-barbed wire fence, to a room where Petrova waits. They are allowed a quick embrace at the beginning of their two-hour allotment. They sit at the short ends of a long table. They are allowed another quick hug at the end. The first time he asked, "Are you okay?" "The guard sat at a table right behind her," Trim said. "I don't know if he was taking notes. She was in a jumpsuit, a green prison outfit which was kind of sad, especially for someone who has done nothing wrong. She was reserved about what to say." "I miss everything," Petrova told USA TODAY. "To work, to read articles, to discuss with my colleagues, to make experiments, to do science." Trim sends her books direct from Amazon, per detention center rules. Petrova is reading his latest gift: Transformer, by Nick Lane, a book on biochemistry whose central question is: "What brings the Earth to life, and our own lives to an end?" Petrova looks less well each time he sees her, Trim said, by scientific observation. "My masters degree is in nutritional biochemistry," he said. "I noticed very specific things in her eyes, hair and skin and sends her money for commissary. "She buys multivitamins but it's not doing enough." They both miss the freedoms they took for granted. Chatting about the day's research on the six-minute walk from their apartment near Fenway Park to the Harvard lab. Boldly trying new recipes for dinner though neither knows how to cook. Sitting on the floor listening to classical music every night. "I'm not sure why we sat on the floor," Trim said, laughing. Petrova would invariably ask if he'd like some "Russian" tea, maybe while he played the piano? He'd jokingly remind her the tea package was labeled "London." He'd sit down to the piano. "I like listening to his playing very much," Petrova said. "I would even prefer to listening to some professional. The music isn't about technique; it's about feelings." "She was always shy about asking me to play," he said. "I'm not very good but she genuinely liked hearing it. It's all those little things. We would cook, have tea, play music and talk. And then in the morning we'd start again." On weekends, she made cappuccinos. "She has a way to use a French press to froth milk," Trim said. "It's stupid, but I watched a video on YouTube," she said, giggling. "Don't tell him." Most nights now, Trim can't stand to be in the apartment alone, so he walks the streets of Boston until late. Until the clock nears midnight by him, 11 p.m. and lights out by her. He plays the piano. She listens. A woman's automated voice interrupts the phone call: "You have one minute remaining on this call." He plays a few measures more. The line clicks off. Lauren Villagran can be reached at lvillagran@
