Good morning. It's Monday, Dec. 11, and we're covering how to save money on utilities during the holidays, fun date ideas that won't break your budget, putting cold calls on ice, and much more. | First time reading? Sign up here. | Stock Market Update | | | | | Market Performance: December 11, 2023. | Asian shares were mixed on Monday after Wall Street reached a 20-month high ahead of a week that includes essential U.S. inflation data and the Federal Reserve's final rate decision of the year.
U.S. futures were lower and oil prices rose to recover some of their sharp losses in recent months.
Hong Kong's Hang Seng sank 2% to 16,012.42 and the Shanghai Composite slipped 0.6% to 2,952.57.
In China, leaders agreed at an annual planning meeting last week to boost spending to accelerate the world's second-largest economy, though details of policy changes were not provided. |
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| | Financial Maverick Insights | | | | | Three easy tips to save money on utilities during the holidays |
When it comes to saving money during the holidays, many people are willing to try anything. One way can do this is by adjusting your energy usage. Writers at Yahoo Finance offered multiple tips to save money on your utilities to stretch your money further this holiday season.
We all know not to keep the water running, but the writers took it a step further. You can save more money by not opening your tap all the way. By reducing the flow, you're reducing the excess water that isn't being used.
Speaking of water, consider the temperature. The National Resources Defense Council, or NRDC, has some data to back up this tip. You can turn down the temperature of your water heater. The NRDC says many are cranked to about 135 or 140 degrees. Researchers say taking the temperature down about 20 degrees can save you up to $400 per year.
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| | | | | | 12 Fun Date Ideas That Won't Break Your Budget | For those seeking a meaningful connection on a budget, this video offers a dozen creative date ideas that foster genuine bonds without breaking the bank. From picnics and hiking to volleyball and stargazing, these activities emphasize quality time over lavish spending.
Is inflation taking a bite out of your date night budget? When run-of-the-mill date nights with dinner and a movie can set you back $100 (not including the babysitter), it can be tough to fit regular date nights into the budget. But don't worry, because there are plenty of ways to spend a fun and romantic date night together in a budget-friendly way.
Cheap doesn't have to equal boring. If anything, it means you get to be a little more creative with planning the date. Plus, you get to think up exciting, out-of-the-box ideas and put in that extra effort. Here are 12 cheap date ideas to try out any day of the week. |
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| Real Estate News |  | Put the Cold Calls on Ice - Scotsman Guide | The best leads come from established referral partners |
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| :max_bytes(150000):strip_icc()/GettyImages-1472385726-9d7aca0875144318b29f2424164406e9.jpg) | How to Finance Foreign Real Estate | If you don't pay cash, financing real estate abroad is likely to cost more than at home. Watch for local laws and be sure your rights are protected. |
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|  | The Calamity That Is Canada's Housing Market Is Beyond Satire | In the latest episode of Canada's housing saga, a shared bed in Toronto is on the market for a jaw-dropping $900 a month. There's no need for satire when the housing market itself has become a tragic joke. |
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| | Personal Finance Tips |  | Fidelity: 92% of savers to alter 2024 resolutions due to financial stress | Nearly all Americans who plan on making at least one financial resolution for 2024 say they will be shifting their goals for the year ahead according to a new report from Fidelity. |
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|  | I'm a Business Professor: One Essential Personal Finance Lesson Every Person Should Master | John Lopez, a senior professor of practice at the University of Houston's Bauer College of Business and CFP, shared his thoughts with GOBankingRates. |
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|  | Stimulus checks of 1,400 dollars on offer: When is the last day to apply? | Beyond the three smaller stimulus checks we know about that came as part of the three remaining child tax credit checks, the 1,400-dollar-a-month stimulus checks are becoming a rea |
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| | Alternative Investing |  | Crypto News Today: Dogecoin and Elon Musk Made the News as BTC Hit $44,747 | On Friday, BTC struck a 2023 high of $44,747 as investors responded to spot ETF-related news. |
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|  | What Is a Central Bank Digital Currency (CBDC)? | Central bank digital currencies (CBDCs) are a form of digital currency issued by a country's central bank. They are similar to cryptocurrencies, except that their value is fixed by the central bank and equivalent to the country's fiat currency. |
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|  | Quick! 3 AI Stocks to Buy Right This Second for Long-Term Gains. | Dive into our comprehensive article on long-term AI stocks and discover how these investments could redefine your financial future. |
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| | Do you alter 2024 resolutions due to financial stress? | | | Reach Over 100,000 Financial Mavericks | Advertise with Financial Maverick to get your brand in front of the Financial Gurus in the world. The Mavericks are high-income and highly knowledge people who are always looking for an interesting product or tool. | | | Share Financial Maverick | Calling all Financial Mavericks! To help out a family and friend in need by sharing this newsletter. Tell you what if you ever wanted to be a Hero, Financial Guru, or a Nice Person this is your time! | | | DISCLAIMER: None of this is financial advice. This newsletter is strictly educational and is not investment advice or a solicitation to buy or sell any assets or to make any financial decisions. Please be careful and do your own research. | |
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