How big Georgia companies profited or not during the COVID-19 pandemic

How big Georgia companies profited or not during the COVID-19 pandemic

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“,”_id”:”D6IESC3RERBCNAS4LFXF4FZDUA”,”type”:”raw_html”,”content”:””,”_id”:”5MASUM4ZNND55HJYTHHJCFRPWA”,”additional_properties”:”href”:”https://clark.com/podcasts/02-26-21-clark-answers-his-critics-on-clark-stinks-a-trend-in-the-supermarket-industry-that-can-save-you-up-to-50/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”type”:”interstitial_link”,”content”:”This article was originally published on Clark.com”,”url”:”https://clark.com/podcasts/02-26-21-clark-answers-his-critics-on-clark-stinks-a-trend-in-the-supermarket-industry-that-can-save-you-up-to-50/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”_id”:”XNO5C55XQZGTDEUL4GQDW74DW4″,”type”:”text”,”content”:”The post 02.26.21 Clark answers his critics on Clark Stinks / A trend in the supermarket industry that can save you up to 50%  appeared first on Clark Howard.”],”display_date”:”2021-02-26T20:00:00Z”,”headlines”:”basic”:”02.26.21 Clark answers his critics on Clark Stinks / A trend in the supermarket industry that can save you up to 50%”,”first_publish_date”:”2021-02-26T20:00:00Z”,”taxonomy”:{“sections”:[“path”:”/news/business”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”Business”,”description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”_id”:”/news/business”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”ComposerNav”:”/”,”site”:”section_comments_enabled”:”Yes”,”site_description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”site_title”:”Atlanta Business news and updates”,”navigation”:”nav_title”:”Business”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”Business”,”_id”:”/news/business”,”ancestors”:”default”:[“/”],”BottomNav”:[],”TopNavRedesign”:[“/”,”/news”],”SectionMap”:[“/”],”order”:”default”:2006,”TopNavRedesign”:2005,”SectionMap”:1031,”ComposerNav”:1107,”_website_section_id”:”ajc./news/business”,”type”:”section”,”version”:”0.6.0″],”primary_section”:”path”:”/news/business”,”name”:”Business”,”tags”:[“text”:”clark”]},”type”:”story”,”last_updated_date”:”2021-02-27T20:10:50.952Z”,”canonical_url”:”/news/02-26-21-clark-answers-his-critics-on-clark-stinks-a-trend-in-the-supermarket-industry-that-can-save-you-up-to-50/ROZVDE3WLRAAHBOQKJXKVHTWDQ”,”_id”:”ROZVDE3WLRAAHBOQKJXKVHTWDQ”},{“content_elements”:[“_id”:”3BG2GPQJJ5CLVJZJIRAZXYXU6U”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614367482594,”type”:”text”,”content”:”Chick-fil-A restaurants in Georgia and nationwide were hit Friday by a technology outage that prevented them from accepting anything but cash from customers.”,”_id”:”ENWS7KWEHVD27E7GTBBB7CS2II”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614367482595,”type”:”text”,”content”:”The Atlanta-based company said the issue, which involved a third-party payment vendor, was resolved in about an hour and did not name the vendor. It said its restaurants are now processing payments normally.”,”_id”:”FIVG2O6IPZH4TMRWW3Q24IIPYA”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614368659396,”type”:”text”,”content”:”The problem had impacted the chain’s ability to take credit or debit cards and, in some cases, limited processing of mobile transactions via Chick-fil-A’s app.”,”_id”:”A5CO3W73W5CA7JPFJM4H36BU2A”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614367482596,”type”:”text”,”content”:”There are more than 2,600 restaurants in the chain.”,”_id”:”T4RHKXCOR5BORJZCEU4M6YRXGY”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614367482597,”type”:”text”,”content”:”
“],”display_date”:”2021-02-26T19:59:23.607Z”,”headlines”:”basic”:”Chick-fil-A restaurants hit by outage, able to take only cash”,”first_publish_date”:”2021-02-26T19:59:23.607Z”,”taxonomy”:{“sections”:[“path”:”/ajcjobs”,”parent”:”default”:”/”,”_website”:”ajc”,”parent_id”:”/”,”name”:”AJC Jobs”,”description”:”Articles and resources about Atlanta jobs and Georgia companies, including job search resources from the AJC”,”_id”:”/ajcjobs”,”additional_properties”:”original”:”parent”:”default”:”/”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”TopNav”:”/news”,”ComposerNav”:”/”,”site”:”section_comments_enabled”:”Yes”,”site_description”:”Articles and resources about Atlanta jobs and Georgia companies, including job search resources from the AJC”,”site_title”:”Atlanta Jobs”,”navigation”:”nav_title”:”AJC Jobs”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”AJC Jobs”,”_id”:”/ajcjobs”,”ancestors”:”TopNavRedesign”:[“/”,”/news”],”SectionMap”:[“/”],”TopNav”:[“/news”],”order”:”default”:1011,”TopNavRedesign”:2014,”SectionMap”:1013,”TopNav”:2009,”ComposerNav”:1008,”_website_section_id”:”ajc./ajcjobs”,”type”:”section”,”version”:”0.6.0″,”path”:”/news”,”parent”:”default”:”/”,”_website”:”ajc”,”parent_id”:”/”,”name”:”News”,”description”:”Atlanta Georgia News main page: Breaking News, Atlanta Weather Forecast, Crime, Politics, GA Schools, Local Articles – Atlanta Journal-Constitution”,”_id”:”/news”,”additional_properties”:”original”:”parent”:”default”:”/”,”BottomNav”:null,”TopNavRedesign”:”/”,”SectionMap”:”/”,”LoggedOutMenu”:null,”TopNav”:”/”,”ComposerNav”:”/”,”site”:”site_url”:”/news/”,”section_comments_enabled”:”Yes”,”site_description”:”Atlanta Georgia News main page: Breaking News, Atlanta Weather Forecast, Crime, Politics, GA Schools, Local Articles – Atlanta Journal-Constitution”,”site_title”:”Atlanta GA News ,”navigation”:”nav_title”:”News”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”News”,”Sponsor”:”sponsor_url_open_new_tab”:”true”,”sponsor_desktop_banner”:””,”sponsor_mobile_banner”:””,”sponsor_url”:””,”_id”:”/news”,”ancestors”:”default”:[“/”],”BottomNav”:[],”TopNavRedesign”:[“/”],”SectionMap”:[“/”],”LoggedOutMenu”:[],”order”:”default”:1001,”TopNavRedesign”:1001,”SectionMap”:1015,”TopNav”:1001,”ComposerNav”:1162,”_website_section_id”:”ajc./news”,”type”:”section”,”version”:”0.6.0″,”path”:”/news/business”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”Business”,”description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”_id”:”/news/business”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”ComposerNav”:”/”,”site”:”section_comments_enabled”:”Yes”,”site_description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”site_title”:”Atlanta Business news and updates”,”navigation”:”nav_title”:”Business”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”Business”,”_id”:”/news/business”,”ancestors”:”default”:[“/”],”BottomNav”:[],”TopNavRedesign”:[“/”,”/news”],”SectionMap”:[“/”],”order”:”default”:2006,”TopNavRedesign”:2005,”SectionMap”:1031,”ComposerNav”:1107,”_website_section_id”:”ajc./news/business”,”type”:”section”,”version”:”0.6.0″,”path”:”/news/georgia-news”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”Georgia News”,”description”:”This page does not exist”,”_id”:”/news/georgia-news”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”ComposerNav”:”/”,”site”:”section_comments_enabled”:”Yes”,”site_description”:”This page does not exist”,”site_title”:”Georgia News”,”navigation”:”nav_title”:”Georgia News”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”Georgia News”,”_id”:”/news/georgia-news”,”ancestors”:”default”:[“/”],”BottomNav”:[],”TopNavRedesign”:[“/”,”/news”],”SectionMap”:[“/”],”order”:”default”:2012,”TopNavRedesign”:2002,”SectionMap”:1134,”ComposerNav”:1113,”_website_section_id”:”ajc./news/georgia-news”,”type”:”section”,”version”:”0.6.0″],”tags”:[“text”:”localnews.ajc”,”text”:”georgia-news.ajc”,”text”:”business”,”text”:”business-economy.ajc”,”text”:”atlanta-news-metro.ajc”,”text”:”economy”,”text”:”georgia news”],”primary_section”:”path”:”/news/business”,”name”:”Business”},”type”:”story”,”last_updated_date”:”2021-02-26T20:00:25.355Z”,”canonical_url”:”/ajcjobs/chick-fil-a-restaurants-hit-by-outage-able-to-take-only-cash/RIN3W5SK7JHFXMYYTOR2AB5PCE/”,”promo_items”:”basic”:”credits”:”affiliation”:[],”subtitle”:”ChickFilA”,”width”:1066,”caption”:”Chick-fil-A restaurants around the nation were affected Friday by what the Atlanta company said was an outage involving a third-party payment vendor. The issue hit during the lunch rush for some.”,”type”:”image”,”url”:”https://cloudfront-us-east-1.images.arcpublishing.com/ajc/QOQ3Y4UPSVAWDJQG3ZWWIVG2H4.jpg”,”height”:600,”_id”:”RIN3W5SK7JHFXMYYTOR2AB5PCE”},{“content_elements”:[“_id”:”CZQR3AEF6JG7ZL26TNVJ6YW46Y”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1592742455951,”type”:”text”,”content”:”Happiness, joy, pleasure. These are the fruits of a life well-lived. And there’s no riper stage for harvesting these emotions than during our retired years, when our time is truly ours and we can create our own bliss. Your happiness may be cultivated by spending time with the grandkids, traveling the world, and engaging in what I call core pursuits — those hobbies you are most passionate about and do often. No matter what you do, my wish for you is that you enjoy it.”,”_id”:”VJK25FBIDNGLDIFLEOMFMKZN4A”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197931,”type”:”text”,”content”:”But there are some warning signs for your Golden Years to heed as I’ve learned throughout my career as a financial adviser working with families planning for retirement. I first noticed some trends of the happiest and unhappiest retirees, which prompted me to conduct several research studies over the past decade to measure habits that lead to a happier retirement. My findings are part of my book, “You Can Retire Sooner Than You Think.””,”_id”:”2345JG47OBH2VI6OIYYRIFT3AA”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197932,”type”:”text”,”content”:”The counterpart of being a happy retiree is, of course, being an unhappy retiree. My data identified folks who reported lower levels of life satisfaction than the joyful participants. What’s more, a handful of traits emerged as being tied to unhappiness during retirement.”,”_id”:”E7LQFK2IIJF2LBSJ675HOX3GIY”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197933,”type”:”text”,”content”:”Let’s talk through four key traits that make for an unhappy retirement.”,”_id”:”Z7QP5PZPLREDFISVALWHDURQUA”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197934,”type”:”text”,”content”:”1. Pessimism“,”_id”:”BSYHBCLBFVE25MCTYLZSNWTO5M”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197935,”type”:”text”,”content”:”It’s almost impossible to be a successful investor in America if you’re a pessimist. The happiest retirees check that mindset at the door. Skepticism is one thing, but if you have a pessimistic outlook on the U.S. economy and the world, it may be the primary long-term factor holding back your investment accounts, which can bleed over into limiting what kind of core pursuits you can afford.”,”_id”:”U4CRXR36NJAYZCRQHQ7AEKYUZI”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197936,”type”:”text”,”content”:”I’ve talked about the perils of fear and greed as emotional drivers in investing, but pessimism can often lead to a persistent mentality of fear. So, it’s a dangerous way to think if you want to build real wealth. You can’t afford it, literally.”,”_id”:”LTM5UXLMDNCOPJHJ5GGVZWVTXQ”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197937,”type”:”text”,”content”:”Yes, it’s easy to feel pessimistic any time you turn on the news, particularly a year into a pandemic. However, happy retirees nearly always choose to focus on what is going right, what will likely improve, and what is likely to get better over the course of time. This way of thinking, that tomorrow will be better than today, is not only the key to building wealth, but also breeds a healthy outlook for life.”,”_id”:”YJADSUG7KFA3RE2J3XDG2SRJGY”,”additional_properties”:”comments”:[],”_id”:”4UQWOY24VVD5VPNYEWQSEANLG4″,”type”:”interstitial_link”,”content”:”Wes Moss: You don’t have to work forever, but you can use your talents”,”url”:”https://www.ajc.com/news/business/wes-moss-you-dont-have-to-work-forever-but-you-can-use-your-talents/W2D7XBNRV5EVRONL2SNTXKFSBQ/”,”_id”:”XIY5EKH3Z5CITNT6TE6FBU7W34″,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197938,”type”:”text”,”content”:”2. The Rich Ratio“,”_id”:”7QAUXWCYIFEDVLNESNEGIP2MLU”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197939,”type”:”text”,”content”:”You can have millions put away for retirement and still be unhappy — poor, even. It boils down to your “Rich Ratio,” or the relationship between what you have and what you spend.”,”_id”:”E3V5HO5L6FANPFSENH6PFWSOHA”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197940,”type”:”text”,”content”:”Calculating your Rich Ratio is easy: Take your income each month and divide it by your monthly financial obligations. For happy retirees, this number is typically greater than 1.0. If it’s less than 1.0, you’re generally in unhappy territory.”,”_id”:”Q5J3VKQQG5ATLN3QOSRF3QHMEQ”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197941,”type”:”text”,”content”:”Include all of your income streams, those tributaries that flow into your monthly income pool. Things like Social Security, pension, and veterans’ benefits make the list, as do rental income and perhaps a paycheck from a part-time job that’s also a core pursuit.”,”_id”:”SENDNMCJTNE3DOJWFSFLBFJC6M”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197942,”type”:”text”,”content”:”And don’t forget your investment accounts and the 4%+ Rule, which demonstrates how you can potentially withdraw 4% to 4.5% of the total balance of your nest egg in the year you retire and every year after while adjusting for inflation. Studies have shown that the 4%+ Rule often allows retirees’ money to remain intact for 30, 40 and even 50 years. However, be sure to do your research on the 4%+ Rule to understand the different parameters that need to be in place for it to work.”,”_id”:”NJHFTMZR4ZHR5IUO2ND2LPDKPQ”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197943,”type”:”text”,”content”:”Now, let’s consider the Rich Ratio in the following scenarios:”,”_id”:”GVBZ4XL5ARBP5NUQ4JLCYLPSBY”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197944,”type”:”text”,”content”:”Jim and Betty have $8,000 of total disposable income each month after taxes. Their expenses, including housing, taxes, utilities, travel, groceries — the whole lot — come to $6,000. When we divide $8,000 by $6,000, we get a Rich Ratio of 1.3. Well done, Jim and Betty!”,”_id”:”XSYH73KIA5H4PIVT2ZZ34XA66Y”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197945,”type”:”text”,”content”:”Now, look at the same scenario, but the numbers are flipped. Jim and Betty have a total monthly income of $6,000 and expenditures of $8,000. Now, their Rich Ratio is 0.75. This puts them in the unhappy camp. Even if Jim and Betty had $1 million in disposable income, they are poor if their expenditures are $2 million, with a Rich Ratio of 0.5.”,”_id”:”HBCVKU2YYJFVJIRUEMU3U6NFYE”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197946,”type”:”text”,”content”:”In my opinion, it’s critical to keep your Rich Ratio above 1.0 if you want to be a happy retiree. Doing so may mean tightening your spending belt, or it may mean an extra year or two on the job. This brings me to my next point.”,”_id”:”HTIVCIFREZAF3MV5WA5CRWN4OU”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197947,”type”:”text”,”content”:”3. Individual Retirement Planning“,”_id”:”5TJU4WVUDJF3BIBNQ62PUF7V5U”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197948,”type”:”text”,”content”:”My survey results showed that the happiest retirees spend a minimum of five hours a year looking at their retirement timeline and planning financially — just five hours. The unhappiest among them kept their heads in the sand, rarely planning (if at all) for the years after they call it a career.”,”_id”:”BW7PXC3CTNCXZEA5EMKZ2FMYOM”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197949,”type”:”text”,”content”:”To me, this is a no-brainer. I think of the year in quarters, so five hours is really just a couple of hours a quarter reviewing your financial plan for retirement. Whether on a sophisticated computer spreadsheet or with good ol’ pencil and paper, knowing where you are (and where you want to be) is a key factor to retirement happiness.”,”_id”:”VVHTRR5TOFE5LHNM3PAVW2OYXQ”,”additional_properties”:”comments”:[],”_id”:”GPDW5QYC25HMZEUGVWUWPQLKEQ”,”type”:”interstitial_link”,”content”:”Wes Moss: How to address three most common retirement concerns”,”url”:”https://www.ajc.com/news/business/wes-moss-how-to-address-three-most-common-retirement-concerns/A34VSVVFQNH5BP5AIXZL3RY24Q/”,”_id”:”WU4EA225PVF67KOQFTHAPJBG6A”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197950,”type”:”text”,”content”:”4. Splurging After You Stop Working“,”_id”:”UUDQY7Y25NEO5DIV24VJGMFIWE”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197951,”type”:”text”,”content”:”Want a new car? A boat to explore the water? How about an RV to travel the country? All of these big-ticket purchases can be well worth it, so long as you make them with the tax man in mind. Pulling a big chunk of cash out of your retirement accounts (401(k)s, IRAs) will likely raise your overall level of taxable income, potentially pushing you into a higher tax bracket. This extra tax bill is something that you may not have accounted for with the initial purchase.”,”_id”:”JSNTWZCNKFDTXLHI26E4UBXFRU”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197952,”type”:”text”,”content”:”The unhappy group in my research often made big spending decisions during retirement, which can be a costly mistake. Take home renovations, for example. It’s not uncommon that a $30,000 budget gets blown out to $50,000, or a $100,000 kitchen and bath project creeps to over $150,000. If these projects go awry and are taken on after our working years, we often don’t have the same opportunity to make up for this overspending through extending our retirement date. One solution is to make these purchases and big maintenance items like a new roof or HVAC system one to three years prior to your retirement date. That way, if the costs balloon, there’s time to absorb it.”,”_id”:”WO3XB6PHE5HDPLB6HA4LBQ7RPA”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197953,”type”:”text”,”content”:”So, there you have it. My hope is that you will avoid all of these traits of unhappy retirees, while keeping on the sunny side of life and reaping all of the rewards of your hard work.”,”_id”:”ZO22NAW2XVGHTFZD4HA2WQHGEY”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197954,”type”:”text”,”content”:”These are four of the eight main traits of unhappy retirees that I’ve identified. If you’d like to read about the other four, you can do so at wesmoss.com. Wes Moss has been the host of “Money Matters” on News 95.5 and AM 750 WSB in Atlanta for more than 10 years now, and he does a live show from 9-11 a.m. Sundays. He is the chief investment strategist for Atlanta-based Capital Investment Advisors.“,”_id”:”XJDT5JSZY5CDTOEHBQF63X5DVQ”,”additional_properties”:”comments”:[],”_id”:”SNS5CEZS3FAHRF4KGI3BNU7YDA”,”type”:”divider”,”_id”:”DY6PU7X7YJBQJM5CA6ZS4MOQ6E”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197956,”type”:”text”,”content”:”DISCLOSURE“,”_id”:”GDBVHUNBYNAKRLJHRO5YP753R4″,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614187197957,”type”:”text”,”content”:”This information is provided to you as a resource for informational purposes only and is not to be viewed as investment advice or recommendations. Investing involves risk, including the possible loss of principal. There is no guarantee offered that investment return, yield, or performance will be achieved. There will be periods of performance fluctuations, including periods of negative returns and periods where dividends will not be paid. Past performance is not indicative of future results when considering any investment vehicle. This information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. This information is not intended to, and should not, form a primary basis for any investment decision that you may make. Always consult your own legal, tax, or investment adviser before making any investment/tax/estate/financial planning considerations or decisions. Investment decisions should not be made solely based on information contained in this article. The information contained in the article is strictly an opinion and it is not known whether the strategies will be successful. There are many aspects and criteria that must be examined and considered before investing.”],”display_date”:”2021-02-26T12:00:00Z”,”headlines”:”basic”:”Wes Moss: What to avoid if you want a happy retirement”,”first_publish_date”:”2021-02-26T12:00:00Z”,”taxonomy”:{“sections”:[“path”:”/news/business”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”Business”,”description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”_id”:”/news/business”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”ComposerNav”:”/”,”site”:”section_comments_enabled”:”Yes”,”site_description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”site_title”:”Atlanta Business news and updates”,”navigation”:”nav_title”:”Business”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”Business”,”_id”:”/news/business”,”ancestors”:”default”:[“/”],”BottomNav”:[],”TopNavRedesign”:[“/”,”/news”],”SectionMap”:[“/”],”order”:”default”:2006,”TopNavRedesign”:2005,”SectionMap”:1031,”ComposerNav”:1107,”_website_section_id”:”ajc./news/business”,”type”:”section”,”version”:”0.6.0″],”primary_section”:”path”:”/news/business”,”name”:”Business”,”tags”:[“text”:”business”,”text”:”business-economy.ajc”,”text”:”natworld.ajc”]},”type”:”story”,”last_updated_date”:”2021-02-26T12:00:00.998Z”,”canonical_url”:”/news/business/wes-moss-what-to-avoid-if-you-want-a-happy-retirement/6STDB7OUKFFE3L362K7YK2A5BQ/”,”promo_items”:”basic”:”credits”:”by”:[“name”:”Nick Burchell”,”type”:”author”,”byline”:”Nick Burchell”],”subtitle”:”Wes Moss: Planning the 5 years prior to retirement”,”width”:2048,”caption”:”Wes Moss is the host of the radio show “Money Matters,” which airs from 9-11 a.m. Sundays on News 95.5 and AM 750 WSB. (Courtesy of Nick Burchell)”,”type”:”image”,”url”:”https://cloudfront-us-east-1.images.arcpublishing.com/ajc/4YVG7JTILTENPQGBTIKYGNTVEI.jpg”,”height”:1262,”_id”:”6STDB7OUKFFE3L362K7YK2A5BQ”},{“content_elements”:[“_id”:”HZWZ3KSGT5G4NEYOUSQKIYBG64″,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424959,”type”:”text”,”content”:”Rising bond yields triggered a broad sell-off on Wall Street Thursday that erased the market’s gains for the week and handed the Nasdaq composite its biggest loss in nearly four months.”,”_id”:”4H67CDY5HZEQPFTM6P5YT4C2IY”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424960,”type”:”text”,”content”:”And in the biggest surprise of the week, shares of GameStop suddenly shot higher again, rising 18.6% Thursday after surging 75% in the last hour of trading Wednesday, after weeks of going dormant.”,”_id”:”5XNXBXW7BZFZPIQ6AGC3MHGLLA”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424961,”type”:”text”,”content”:”The S&P 500 dropped 2.4%, led lower by heavy selling in technology and communications companies. The tech-heavy Nasdaq fell 3.5%, its biggest skid since October.”,”_id”:”3BCQFGZOWRE7FBD2SH3YMCJPT4″,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424962,”type”:”text”,”content”:”The sell-off took hold when the yield on the 10-year U.S. Treasury note rose to 1.53%, a level not seen in more than a year and far above the 0.92% level it was trading at only two months ago.”,”_id”:”ZVTBADRMKJHXVI562N4YL25OOA”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424963,”type”:”text”,”content”:”Bond yields have been rising this month, reflecting growing confidence among investors that the economy is on the path to recovery, but also concern that inflation is headed higher. And every tick up in bond yields recently has corresponded with a tick down in stock prices.”,”_id”:”LSYSAVCF25HOXEBLL6WKJV2SNQ”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424964,”type”:”text”,”content”:”Thursday’s move in the 10-year Treasury yield raised the alarm on Wall Street that yields, and the interest rates they influence, will move higher from here.”,”_id”:”MDPITA2N2VFOVJKVPH5OPFEBKI”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424965,”type”:”text”,”content”:”“The yield on the 10-year note crossed the line in the sand at 1.50%, which from a technical perspective further confirms that higher rates are likely,” said Sam Stovall, chief investment strategist at CFRA.”,”_id”:”AJXHFANF4ZCA3HPECCTN2GDULY”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424966,”type”:”text”,”content”:”The S&P 500 index fell 96.09 points to 3,829.34. The Dow Jones Industrial Average lost 559.85 points, or 1.8%, to 31,402.01. The Nasdaq slid 478.54 points to 13,119.43.”,”level”:3,”_id”:”MXP347HHGBAG5JHRUGYQQ24G6Y”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424967,”type”:”header”,”content”:”GameStop shares”,”_id”:”UBPHECGGBFGMNMP5WWEOQG34OY”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424968,”type”:”text”,”content”:”Thursday’s gain for GameStop, which topped 101% before shrinking, came even as most stocks across Wall Street fell sharply on worries about rising interest rates. The moves are reminiscent of the shocking 1,625% surge for GameStop in January, when bands of smaller and novice investors communicating on social media launched the struggling video game retailer’s stock.”,”_id”:”V2KB4IKWMRCF3L6OMGR6PP4DBA”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424969,”type”:”text”,”content”:”That initial supernova heightened questions about whether the broader market was in a bubble and whether a new generation of traders should be able to take full advantage of the free trades available on their phones. Global markets swooned momentarily; Congress held a hearing.”,”_id”:”3SWNS2YWRBHSLDQD4RSHEAUNYQ”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424970,”type”:”text”,”content”:”No clear reason seems to be behind this most recent move, leaving market observers to grasp at what little news is out there, but it does demonstrate the increased power that regular investors suddenly have.”,”_id”:”CFCHPBFFXNHJJPLVSHZQ3VHQIA”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424971,”type”:”text”,”content”:”One major piece that drove last month’s surge is not as big a player this time around: a huge build-up of what’s called “short interest,” or bets by investors that the stock is set to fall. After short-selling funds got badly burned by last month’s sudden surge, many fewer GameStop shares are being sold short now. That means this pop may not reach last month’s heights.”,”_id”:”4G3QNA3Y4FG7TMEMHDR7LQPWSQ”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424972,”type”:”text”,”content”:”“It’s like dropping a ping-pong ball on the table,” said Sam Stovall, chief investment strategist at CFRA. “The first bounce is the greatest while subsequent bounces are a bit more muted. We’re still getting a bounce, but it’s probably not going to drive up GameStop to $500 a share.””,”level”:3,”_id”:”TUJ2QFXE6BHUTA3RXGQPGJAUSI”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424973,”type”:”header”,”content”:”Economy grew”,”_id”:”MN36KANEUVEJ3IW44WXP4I2E74″,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424974,”type”:”text”,”content”:”The economy grew at an annual pace of 4.1% in the final three months of 2020, slightly faster than first estimated. The influx of new government stimulus efforts and accelerated vaccine distribution could lift growth in the current quarter, ending in March, to 5% or even higher, economists believe.”,”_id”:”NHRIBISCVVBJBOSV6X654ULWCE”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424975,”type”:”text”,”content”:”“The bond market is reacting to the positive economic growth,” said Brent Schutte, chief investment strategist, Northwestern Mutual Wealth Management Company. “It means there’s some hope on the horizon.””,”_id”:”EWIN3KYKEVHMFOX2PIWBSRBASA”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424976,”type”:”text”,”content”:”Technology stocks, which tend to have higher valuations, have been one of the victims of the rise in bond yields. As bond yields climb, more investors shift money into those higher yielding assets, which tends to negatively impact stocks that are priced for growth and not for regular dividend payouts.”,”_id”:”TRMMFPP6J5CRPKP6JU3RCZZB6A”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424977,”type”:”text”,”content”:”Apple, Amazon, Facebook and Microsoft — all companies that pushed the stock market higher last year — fell 2.4% or more.”,”_id”:”WOPJ2QS6TJGBPGFKA7SX2HN23M”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424978,”type”:”text”,”content”:”The market will likely see broader growth as actual economic growth widens to include many of the sectors that have been beaten down during the pandemic, Schutte said.”,”_id”:”23DTEX33IBC45J5SN3WNO2JP7A”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424979,”type”:”text”,”content”:”Smaller company stocks fared worse than the rest of the market. The Russell 2000 index of smaller company stocks lost 84.21 points, or 3.7%, to 2,200.17. The index has been far outpacing larger indexes, a signal that investors expect broader growth to continue. Schutte noted improvements in retail sales, the housing market and consumer confidence.”,”_id”:”LLEAF3W3Y5B7TER22C4E2SMRX4″,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424980,”type”:”text”,”content”:”“All those things are strong right now and the backdrop for further gains is still there,” Schutte said.”,”_id”:”7MY2NQIJSJFHROSCJJC7AI22VE”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424981,”type”:”text”,”content”:”Global stock markets have soared over the past six months on optimism about coronavirus vaccines and central bank promises of abundant credit to support struggling economies. Those sentiments have faltered due to warnings the rally might be too early and that inflation might rise.”,”_id”:”2XN2BI2QJBEFFLZAIFZHJNA7UA”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424982,”type”:”text”,”content”:”On Wednesday, Federal Reserve Chair Jerome Powell affirmed the Fed’s commitment to low interest rates in a second day of testimony to legislators in Washington.”,”_id”:”CBOVAMQ5YNBUXCTLNMVFW7OIDQ”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424983,”type”:”text”,”content”:”The central bank earlier indicated it would allow the economy to run hot to make sure a recovery is well-established following its deepest slump since the 1930s. Powell said it might take more than three years to hit the Fed’s target of 2% inflation.”,”_id”:”K6WAI2Z7LZBR5K3R43ZVHYR5DA”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424984,”type”:”text”,”content”:”Investors also are looking for Congress to approve President Joe Biden’s proposed economic aid plan. That includes $1,400 checks to most Americans. However, the plan faces staunch opposition from Republicans and is still subject to negotiations. Democrats have chosen to use the legislative process known as reconciliation that would allow them to pass the bill without GOP support.”,”_id”:”GOWXLUXZ3BBYBMD5YP7JDLAPPQ”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614291424985,”type”:”text”,”content”:”GameStop jumped 18.6% a day after the video game retailer’s stock more than doubled. The stock has been mostly declining this month after skyrocketing 1,600% in January as a large group of investors on Reddit and other social media sites encouraged each other to drive up the shares at the expense of hedge funds betting the stock would go lower.”],”display_date”:”2021-02-25T22:15:44.980Z”,”headlines”:”basic”:”UPDATE: GameStop surges; Tech rout pulls Nasdaq down 3.5%”,”first_publish_date”:”2021-02-25T15:30:38.629Z”,”taxonomy”:{“sections”:[“path”:”/news/nation-world”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”National & World News”,”description”:”US and world news updates from the AJC”,”_id”:”/news/nation-world”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”TopNav”:”/news”,”ComposerNav”:”/”,”site”:”site_url”:””,”section_comments_enabled”:”Yes”,”site_description”:”US and world news updates from the AJC”,”site_title”:”National & World News”,”navigation”:”nav_title”:”National & World News”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”National & World News”,”Sponsor”:”sponsor_url_open_new_tab”:”true”,”sponsor_desktop_banner”:””,”sponsor_mobile_banner”:””,”sponsor_url”:””,”_id”:”/news/nation-world”,”ancestors”:”TopNavRedesign”:[“/”,”/news”],”SectionMap”:[“/”],”TopNav”:[“/news”],”order”:”default”:2017,”TopNavRedesign”:2011,”SectionMap”:1072,”TopNav”:2010,”ComposerNav”:1117,”_website_section_id”:”ajc./news/nation-world”,”type”:”section”,”version”:”0.6.0″,”path”:”/news”,”parent”:”default”:”/”,”_website”:”ajc”,”parent_id”:”/”,”name”:”News”,”description”:”Atlanta Georgia News main page: Breaking News, Atlanta Weather Forecast, Crime, Politics, GA Schools, Local Articles – Atlanta Journal-Constitution”,”_id”:”/news”,”additional_properties”:”original”:”parent”:”default”:”/”,”BottomNav”:null,”TopNavRedesign”:”/”,”SectionMap”:”/”,”LoggedOutMenu”:null,”TopNav”:”/”,”ComposerNav”:”/”,”site”:”site_url”:”/news/”,”section_comments_enabled”:”Yes”,”site_description”:”Atlanta Georgia News main page: Breaking News, Atlanta Weather Forecast, Crime, Politics, GA Schools, Local Articles – Atlanta Journal-Constitution”,”site_title”:”Atlanta GA News ,”navigation”:”nav_title”:”News”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”News”,”Sponsor”:”sponsor_url_open_new_tab”:”true”,”sponsor_desktop_banner”:””,”sponsor_mobile_banner”:””,”sponsor_url”:””,”_id”:”/news”,”ancestors”:”default”:[“/”],”BottomNav”:[],”TopNavRedesign”:[“/”],”SectionMap”:[“/”],”LoggedOutMenu”:[],”order”:”default”:1001,”TopNavRedesign”:1001,”SectionMap”:1015,”TopNav”:1001,”ComposerNav”:1162,”_website_section_id”:”ajc./news”,”type”:”section”,”version”:”0.6.0″,”path”:”/news/business”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”Business”,”description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”_id”:”/news/business”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”ComposerNav”:”/”,”site”:”section_comments_enabled”:”Yes”,”site_description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”site_title”:”Atlanta Business news and updates”,”navigation”:”nav_title”:”Business”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”Business”,”_id”:”/news/business”,”ancestors”:”default”:[“/”],”BottomNav”:[],”TopNavRedesign”:[“/”,”/news”],”SectionMap”:[“/”],”order”:”default”:2006,”TopNavRedesign”:2005,”SectionMap”:1031,”ComposerNav”:1107,”_website_section_id”:”ajc./news/business”,”type”:”section”,”version”:”0.6.0″],”tags”:[“text”:”ccd”,”text”:”ccd-ap”,”text”:”ccd-al”,”text”:”natworld.ajc”,”text”:”business”,”text”:”business-economy.ajc”],”primary_section”:”path”:”/news/business”,”name”:”Business”},”type”:”story”,”last_updated_date”:”2021-02-25T22:35:33.045Z”,”canonical_url”:”/news/nation-world/stocks-fall-as-yields-continue-climb-gamestop-surges/WUQOAPODJFBEVGMMXZDHU5OQXE/”,”promo_items”:”basic”:”promo_image”:”url”:”https://d1fegwn2wjh0cs.cloudfront.net/02-25-2021/t_4b325b30882c400aa46f5da596d3d7b6_name_b695d0df245e47e8b195f0fb1b44b8fc.jpg”,”credits”:,”headlines”:”basic”:”GameStop shares surge again in premarket trading”,”type”:”video”,”promo_items”:”basic”:”type”:”image”,”url”:”https://d1fegwn2wjh0cs.cloudfront.net/02-25-2021/t_4b325b30882c400aa46f5da596d3d7b6_name_b695d0df245e47e8b195f0fb1b44b8fc.jpg”,”_id”:”WUQOAPODJFBEVGMMXZDHU5OQXE”},{“content_elements”:[“_id”:”MULBER6JA5AW5APRUMKJAXB5ME”,”type”:”text”,”content”:”Facebook owned WhatsApp is changing terms of service allowing them to invade privacy. Clark’s warning and alternatives. Also, the Kroger data breach is part of an overall massive breach affecting many companies. Resist breach fatigue and freeze your credit if you haven’t yet.
nAsk Clark topics include: Bill reduction services, Robocalls, Credit cards ditching car rental coverage.”,”_id”:”H7QWUDJUQNFMVBFERJFDK7MQWY”,”type”:”text”,”content”:”Want more money advice? Sign up for Clark’s free daily newsletter!
nLearn more about your ad choices. Visit megaphone.fm/adchoices”,”_id”:”T4FVSIFZP5EU3J52ILHRBQZF2E”,”additional_properties”:”href”:”https://clark.com/podcasts/02-25-21-privacy-protection-whatsapp-alternatives-the-kroger-data-breach-part-of-something-deep-your-assignment/”,”type”:”interstitial_link”,”content”:”Watch the video”,”url”:”https://clark.com/podcasts/02-25-21-privacy-protection-whatsapp-alternatives-the-kroger-data-breach-part-of-something-deep-your-assignment/”,”_id”:”EVI2PU3J5BAPXJYELQ5JDLMS6I”,”type”:”raw_html”,”content”:”

“,”_id”:”DLRY7AYVMVDPBDS5H3T37H33G4″,”type”:”raw_html”,”content”:”

“,”_id”:”OWEQRTRIHFFN3FR3IS7UZCPHPI”,”type”:”raw_html”,”content”:””,”_id”:”JYCF22K7TREFNARKAW5EBGFERI”,”additional_properties”:”href”:”https://clark.com/podcasts/02-25-21-privacy-protection-whatsapp-alternatives-the-kroger-data-breach-part-of-something-deep-your-assignment/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”type”:”interstitial_link”,”content”:”This article was originally published on Clark.com”,”url”:”https://clark.com/podcasts/02-25-21-privacy-protection-whatsapp-alternatives-the-kroger-data-breach-part-of-something-deep-your-assignment/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”_id”:”6UJD37K5ENCWDDQTENTEE6IID4″,”type”:”text”,”content”:”The post 02.25.21 Privacy Protection: WhatsApp alternatives / The Kroger data breach part of something deep – your assignment appeared first on Clark Howard.”],”display_date”:”2021-02-25T20:00:00Z”,”headlines”:”basic”:”02.25.21 Privacy Protection: WhatsApp alternatives / The Kroger data breach part of something deep – your assignment”,”first_publish_date”:”2021-02-25T20:00:00Z”,”taxonomy”:{“sections”:[“path”:”/news/business”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”Business”,”description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”_id”:”/news/business”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”ComposerNav”:”/”,”site”:”section_comments_enabled”:”Yes”,”site_description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”site_title”:”Atlanta Business news and updates”,”navigation”:”nav_title”:”Business”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”Business”,”_id”:”/news/business”,”ancestors”:”default”:[“/”],”BottomNav”:[],”TopNavRedesign”:[“/”,”/news”],”SectionMap”:[“/”],”order”:”default”:2006,”TopNavRedesign”:2005,”SectionMap”:1031,”ComposerNav”:1107,”_website_section_id”:”ajc./news/business”,”type”:”section”,”version”:”0.6.0″],”primary_section”:”path”:”/news/business”,”name”:”Business”,”tags”:[“text”:”clark”]},”type”:”story”,”last_updated_date”:”2021-02-26T23:35:51.326Z”,”canonical_url”:”/news/02-25-21-privacy-protection-whatsapp-alternatives-the-kroger-data-breach-part-of-something-deep-your-assignment/KQ3T5WZMQRHQXNERIPLAQTJHYE”,”_id”:”KQ3T5WZMQRHQXNERIPLAQTJHYE”},{“content_elements”:[“_id”:”V6Q4BWDOLBCATHVF5PFTXQUS5U”,”type”:”text”,”content”:”If you have an old cell phone lying around or you’re ready for an upgrade but not eligible for a trade-in, consider selling your phone online.”,”_id”:”RNPIT6C55ZAHLAURL2CYSWP7DU”,”type”:”text”,”content”:”In this article, I’ll take a close look at Swappa. This website is a great option for selling your used electronics directly to a buyer. I’ve checked out a few different popular websites for selling and buying used phones to find out how Swappa compares.”,”level”:2,”_id”:”TQXRZWEAAJEXNAH3RD2HTAZ4LM”,”additional_properties”:”id”:”h-selling-your-phone-on-swappa”,”type”:”header”,”content”:”Selling Your Phone on Swappa”,”_id”:”RM23XJJMCNFT7H5ZVNIPAG42GA”,”type”:”text”,”content”:”Compared to other companies that buy used phones, Swappa offers some of the highest returns. This is because you set your own asking price and are able to interact with interested buyers. There is a trade-off to that, though: Because you’re selling directly, you can list only technology that’s fully functional with just minor cosmetic damages.”,”_id”:”QBP5HQI6TFBVPMYAU2QVADNWPM”,”type”:”text”,”content”:”Swappa is widely recognized as safe and trustworthy. The company is accredited by the Better Business Bureau. It maintains a B rating along with an average of 4.65 out of 5 stars from 433 customer reviews. On Trustpilot, Swappa has a 4.9 out of 5 star rating from 11,925 reviews, earning the company an “Excellent” rank.”,”_id”:”YMLS5PYQHBEVTDCRTJGZXVAXK4″,”type”:”text”,”content”:”If you’re thinking about selling your phone on Swappa, here are five things to know before posting:”,”list_type”:”unordered”,”_id”:”HKGPRYSYKVFCLPRWC4GWUSOUPI”,”type”:”list”,”items”:[“_id”:”EYZBHAXXJBFZ5MZSKGYF5NVOGU”,”type”:”text”,”content”:”What Is Swappa?“,”_id”:”VM5ZARU5PRCULJAAEW6GWSZSDM”,”type”:”text”,”content”:”How to Sell Your Phone“,”_id”:”V5LVCGKFCJBO7O5R25Z5GZVQ4M”,”type”:”text”,”content”:”Swappa Local“,”_id”:”YLMDIC6FF5BTFKKU5K2RBYQ25Q”,”type”:”text”,”content”:”How Does Swappa Compare?“,”_id”:”26CAJW7UUJAFFFVGGGGJF5P2N4″,”type”:”text”,”content”:”Tips for Selling Your Phone“],”_id”:”MNEBHE7DGNFG5MMYFIBPY5G6JQ”,”type”:”text”,”content”:”Below, you’ll find more detailed information about how to get started on Swappa, how to list your device and how to earn the most money.”,”level”:2,”_id”:”MMIXS2EACBGBBOYQSJYS2PNGI4″,”additional_properties”:”id”:”about”,”type”:”header”,”content”:”What Is Swappa?”,”_id”:”2BHG7QH65NBQZLIAYDKZUQHKKU”,”type”:”text”,”content”:”Swappa was founded in 2010 with the goal of building a better way to buy and sell quality used mobile devices.”,”content_elements”:[“_id”:”RHTPYF4FIZCA7HFGJ3PRKUUHDI”,”type”:”text”,”content”:”According to the company’s website, it’s is a “user-to-user marketplace for gently used technology.””],”_id”:”IWUMZZLZI5HOJNYOHEDMMWIDB4″,”type”:”quote”,”_id”:”7UHGXWA3UFCCNHKOWOMQNCJYWI”,”type”:”text”,”content”:”Basically, it’s a way for you to sell your phone (or tablet or laptop) directly to someone who’s shopping for a used device online.”,”_id”:”BECBN2RKLZARBLGY6HNCDA5F2U”,”type”:”text”,”content”:”Unlike a lot of other companies that buy used cell phones, Swappa cuts out the middleman with its user-to-user approach. Instead of selling your phone to a company that’s going to flip it for profit, you can list and sell your phone for closer to what it’s actually worth. Plus, sellers don’t pay fees to Swappa, which makes it a great place to maximize your returns.”,”_id”:”7AZAO5MAIZDZPGSRI7GGKLCXA4″,”type”:”text”,”content”:”Buyers and sellers use PayPal, which provides protections to keep both parties safe. Plus, according to the Swappa website, you’ll receive payment before you ship.”,”level”:2,”_id”:”FTMT6XRZDJHITLIVQLBHMRVWQI”,”additional_properties”:”id”:”process”,”type”:”header”,”content”:”How To Sell Your Phone on Swappa”,”_id”:”MEKHOZWWHNDJDBVSN7WB72EENY”,”type”:”text”,”content”:”If you’re ready to sell your phone on Swappa, there are a few things that you can do to streamline the process. Before you create an account or a listing on Swappa, follow these steps:”,”list_type”:”unordered”,”_id”:”DQIZROJ6MJH4JKAJOKLPOZXPIQ”,”type”:”list”,”items”:[“_id”:”IKWDHPVEXFCPBBCQDFHHSFZXUM”,”type”:”text”,”content”:”Create a PayPal account if you don’t already have one.”,”_id”:”YHN3VNKPGVEMHFEYQ5GLWGXVNU”,”type”:”text”,”content”:”Have the phone you’re selling with you.”,”_id”:”47CE2ROOVNHO7EG3CZHDHVTPBE”,”type”:”text”,”content”:”Make sure the phone’s buttons, ports, backlight and battery are all working. The device should be fully functional.”,”_id”:”FMLALWXRZ5CDDMGXTF5VAEBJUU”,”type”:”text”,”content”:”Make sure there’s no cracked glass or water damage.”,”_id”:”4DWLJ7S2KBF6XIG22NJTXXESHU”,”type”:”text”,”content”:”Factory reset the phone so that it’s ready to be activated. If you aren’t sure how to do this, Swappa has a great list of resources on how to reset nearly any smartphone.”,”_id”:”DKKPUR6T6BDR7J7B5CHYS5YHWA”,”type”:”text”,”content”:”Know that a phone can’t be sold if it’s been reported as lost or stolen or if it hasn’t been paid for in full.”],”_id”:”RTQMU42QGVDU5DE66RBMH4T3SE”,”type”:”text”,”content”:”Once you’ve completed the checklist above, you’re ready to list your phone on Swappa!”,”level”:3,”_id”:”DISEVWSH7RH53AU7Z4GWI4PFUI”,”type”:”header”,”content”:”Getting Started”,”_id”:”LLRLYVKOM5CDHHYKQRJVCHYQ7Q”,”type”:”text”,”content”:”To get started, visit Swappa’s website and click “Sell with Swappa.”“,”caption”:”Screenshot of Swappa’s website when a seller first creates a listing.”,”_id”:”LHDH3FL35FD3VHHGUCBVF7C254″,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Sell-with-Swappa.jpeg?w=600&ssl=1″,”alt”:”Screenshot of Swappa’s website when a seller first creates a listing.”,”style”:”max-width: 100%”,”srcset”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Sell-with-Swappa.jpeg?w=989&ssl=1 989w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Sell-with-Swappa.jpeg?resize=300%2C226&ssl=1 300w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Sell-with-Swappa.jpeg?resize=768%2C578&ssl=1 768w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Sell-with-Swappa.jpeg?resize=200%2C150&ssl=1 200w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Sell-with-Swappa.jpeg?resize=260%2C196&ssl=1 260w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Sell-with-Swappa.jpeg?resize=888%2C668&ssl=1 888w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Sell-with-Swappa.jpeg?resize=932%2C701&ssl=1 932w”,”class”:[“wp-image-183448″],”data-recalc-dims”:”1″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Sell-with-Swappa.jpeg?w=600&ssl=1″,”_id”:”53EFF3FIQFFAVH4J7MO6M7S6HA”,”type”:”text”,”content”:”From here, you’ll be able to browse through popular iPhone and Android devices or search for your specific phone. You’ll be able to see the average price each device is bringing in on this page even before you create an account. This can be a great way to get an idea of how much you should list your phone for as well as how much you can expect to make.”,”_id”:”KYJWM4WFI5GGPNGHHSZCNUENXM”,”type”:”text”,”content”:”After you find the device you want to sell, you’ll have to create an account to post your listing. You can log in with Facebook, PayPal, Yahoo, or you can register for an account using your name and email address.”,”level”:3,”_id”:”QZPNDXFOYVFWLPCVBBRQYVMHG4″,”type”:”header”,”content”:”Creating a Listing”,”_id”:”JJDWPHIFIZETHDUBD3PL3APWZ4″,”type”:”text”,”content”:”Once you’re signed in, you’ll be able to select the carrier your phone is registered with and create your listing. First, you’ll be prompted to connect your PayPal account in order to receive payment. Then you’ll be able to fill out additional details about the device you’re selling.”,”_id”:”JNKIIAB5LBHRNNVIYPSMWZZJ7M”,”type”:”text”,”content”:”You’ll also need to enter your asking price. Swappa assigns a fee for the buyer to pay; you’ll be able to see the total price before you publish your listing.“,”caption”:”The pricing information given by Swappa when a seller is creating a listing to help determine an asking price”,”_id”:”IP3PWNUJTRBDXOLFPRBJYFGHIM”,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Swappa-pricing.jpeg?w=600&ssl=1″,”alt”:”The pricing information given by Swappa when a seller is creating a listing to help determine an asking price”,”style”:”max-width: 100%”,”srcset”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Swappa-pricing.jpeg?w=993&ssl=1 993w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Swappa-pricing.jpeg?resize=300%2C226&ssl=1 300w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Swappa-pricing.jpeg?resize=768%2C579&ssl=1 768w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Swappa-pricing.jpeg?resize=200%2C150&ssl=1 200w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Swappa-pricing.jpeg?resize=260%2C196&ssl=1 260w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Swappa-pricing.jpeg?resize=887%2C668&ssl=1 887w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Swappa-pricing.jpeg?resize=931%2C701&ssl=1 931w”,”class”:[“wp-image-183449″],”data-recalc-dims”:”1″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Swappa-pricing.jpeg?w=600&ssl=1″,”_id”:”OCFFFEAHMVB7ZCS7KQREHVMCV4″,”type”:”text”,”content”:”Based on the details that you’ve entered, you’ll be able to see the lowest current listed price for your device as well as the price it sold for most recently. These numbers are a great way to help you hone in on your asking price. Still, it’s important that you take the time to search for a few used phones of the same model and condition on Swappa and on other online marketplaces. Additionally, be sure to consider the cost of shipping and include this in the asking price.”,”_id”:”3WLCOE6ANVHCROPKSV55XDDI6Q”,”type”:”text”,”content”:”Before publishing your listing, you’ll be asked to describe any damage the phone has. According to tips on Swappa’s Blog, buyer satisfaction should be your goal, so be honest when it comes to the condition of your phone. Any imperfection, no matter how small, should be described in detail to avoid a buyer returning the item.”,”_id”:”EJ4JL6LH7VEH5IWVMDKUHFGCUA”,”type”:”text”,”content”:”You’ll also need to enter the ESN/serial number for your phone, the area from which you’re shipping the device, a headline and a detailed description of the item. When you’re ready, click publish.”,”level”:3,”_id”:”G4IIPVUZPBBY3MH5JMXFTPOJQY”,”type”:”header”,”content”:”Adding Verification Photos and Publishing Your Listing”,”_id”:”7X3ZWH5A3JHZDIDTGO73NHQPMM”,”type”:”text”,”content”:”After you’ve clicked “Publish,” you’ll have to verify your listing before it goes live on Swappa. As soon as you create your listing, you’ll see a unique listing code. Write your listing code on a sheet of paper and take a picture of it next to the device you’re selling. This is one way that Swappa verifies listings before they’re actually published.”,”_id”:”SOSMCXKDCNF6ZIG6F66EMNNPEI”,”type”:”text”,”content”:”Here are a few tips to keep in mind while taking verification photos:”,”list_type”:”unordered”,”_id”:”AH6CZKK6SVHWRFOBSZFD6FKVIA”,”type”:”list”,”items”:[“_id”:”LWZWOY6TQFE3FP3XEDMIXHSGNY”,”type”:”text”,”content”:”The entire phone and the whole code should be visible in the picture. They should be side by side and not covering one another.”,”_id”:”FDHWOCPJUFHOZP4P3BWIJ5QOJY”,”type”:”text”,”content”:”Unless you’re selling a brand new phone that hasn’t been taken out of the box, the phone’s screen should be turned on in the photo.”,”_id”:”BKQOTVRKQNFQ7DDMEQYDERGSPA”,”type”:”text”,”content”:”If you’re listing a phone as “mint condition,” you’ll need to take several photos showing every angle of the phone.”,”_id”:”D34ETAXVVFCO7NRDWLWYSJCBBA”,”type”:”text”,”content”:”If the phone you’re selling is still in the box, you’ll just need a picture of the box showing the verification code.”,”_id”:”3OTDACVYYNCU3O5QBHMTPSST54″,”type”:”text”,”content”:”Your phone’s private ESN/serial number information should not be in the verification photo.”,”_id”:”6UC2BWMKQVGQZBQKUNMYTXRR6Y”,”type”:”text”,”content”:”If you’re including any additional items in the listing, such as cell phone accessories, you should also include pictures of those items.”,”_id”:”D3HZVD3ZUBGXTKCAHR6DZQZNKA”,”type”:”text”,”content”:”Take the photos in good lighting (try next to a window or outside) and know that the more pictures you take, the better!”],”_id”:”NILUTZ6HIRA6JORDM25ZMJIAOY”,”type”:”text”,”content”:”After you’ve added your verification photo(s), click “Request Review.” Once your listing has been reviewed by a Swappa staff member, your listing will be posted.”,”_id”:”2JAW27GPPFEODDRWQZD5VYVRBU”,”type”:”text”,”content”:”Your listing will be up for seven days. If your item doesn’t sell in this time, you can extend it for another week. You can also share your listing on social media platforms to increase your chances of finding a buyer.”,”level”:3,”_id”:”LFIMPGFBBJG6ZKXUH5ZW6YOWA4″,”type”:”header”,”content”:”Getting Paid and Shipping Your Phone”,”_id”:”Q7UI7RSS4RAGRFKEGDOSA44TNE”,”type”:”text”,”content”:”Once your post is live, hopefully, you’ll begin receiving offers. People may ask for additional details or offer a lower price than you’ve listed. Of course, you can choose whether or not you want to accept or decline these offers. Just know that if you agree to a lower price, your listing will be edited to reflect the new offer.”,”_id”:”QAY7H7OLPJB4NBQWRCX7MTFJFU”,”type”:”text”,”content”:”Buyers are required to pay you via PayPal at the time of purchase. Once you’ve received the notification that your phone has sold along with the payment, you’ll have two days to mail your item to the buyer. For this reason, it’s important to check your listing regularly once it’s live.”,”_id”:”VG7CVK5AIZG67MGLRXLYOIIQ64″,”type”:”text”,”content”:”You can ship the phone with any courier you choose as long as a tracking number is provided. You can visit the “Sales” page when you’re logged into your Swappa account to see your recently sold listings. Once you’ve found the listing, you can click “Add Shipment” to enter the tracking number. You can also add photos of the device once it’s packaged for shipping.”,”level”:2,”_id”:”VEVZXCZYENFENFG4KLZUK5TQ4Y”,”additional_properties”:”id”:”local”,”type”:”header”,”content”:”What Is Swappa Local?”,”_id”:”UJEJ6NMC6VHYTNAAPC6C3N2VRQ”,”type”:”text”,”content”:”In addition to listing your phone on Swappa’s website, you may also consider listing it on Swappa Local. If you live in one of the 33 cities that have introduced Swappa Local, you may be eligible to list your device here to find a local buyer and avoid shipping fees. “,”_id”:”YHFWFKKUDRH7HHMQNODPMTGZQY”,”type”:”text”,”content”:”Swappa Local offers the same verification and payment protection while making face-to-face meetups for same-day pickup available. This could be one way to sell your phone quickly to someone nearby who needs it right away.”,”_id”:”4FVKPFSVS5ER7DS4TLFJRDP7IQ”,”type”:”text”,”content”:”When you’re creating a listing, simply check that you’d like to list your device on Swappa Local and then choose a safe meeting spot for local pickup. As a seller, you’ll still avoid paying fees.”,”_id”:”JW66FAD56VBSXLHDVW2EW27UZQ”,”type”:”text”,”content”:”For more information on Swappa Local including a list of where it’s currently available, check out this blog post on the company’s website.“,”level”:2,”_id”:”AUSPIYXRMVEARNGGWORPQELDGU”,”additional_properties”:”id”:”compare”,”type”:”header”,”content”:”Is Swappa the Best Place To Sell Your Phone?”,”_id”:”A4IBSKGMIBFBZETNHPSJXFRJ7Y”,”type”:”text”,”content”:”The best way to decide where to sell your cell phone is by collecting prices from a few different places and choosing the route that will net you the most cash.”,”_id”:”ZVUZH5SLMNFS3KDDENFAEUR744″,”type”:”text”,”content”:”I tried this by gathering quotes from seven different companies that buy used phones. I looked at offers for an iPhone X in average condition with 64GB of storage on an AT&T network. Here’s what I found:”,”level”:2,”_id”:”X2DV73BCYVH43OL5K6IXCLJPEY”,”additional_properties”:”class”:[“tablepress-table-name”,”tablepress-table-name-id-115″],”type”:”header”,”content”:”Offers on an iPhone X, 64GB”,”_id”:”Y22IYABQ75BG5NGJAQZR2PI6MI”,”additional_properties”:”id”:”tablepress-115″,”class”:[“tablepress”,”tablepress-id-115″,”tablepress-responsive”],”type”:”raw_html”,”content”:”

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BuyBackWorld $235
Decluttr $183
ecoATM $90
Gizmogul $81
MaxBack $196
NextWorth $210
Swappa $359

“,”_id”:”VHQZGBNS3NGPFIHGSHJJ6BC2GQ”,”type”:”text”,”content”:”#tablepress-115 from cache”,”_id”:”HNZIWY4KPBF5VJCWDZ6DQYZTMM”,”type”:”text”,”content”:”Generally speaking, you’ll find the highest offers available at Swappa. Of course, just because this is the average price doesn’t mean that’s what you’re guaranteed to make. Unlike other websites, Swappa can’t give you an exact quote, as you’ll be selling directly to a buyer based on the price you set yourself.”,”_id”:”PXNECXBTNRBUXNAZM34IYIQETA”,”type”:”text”,”content”:”While other companies may offer additional payment methods, Swappa exclusively works with PayPal. This may be a benefit or a drawback depending on how you look at it. You will have to create a PayPal account if you don’t already have one, but you will also be protected.”,”_id”:”ZCXB7WSK2NCG5CB7UB3GJC4I3A”,”type”:”text”,”content”:”Compared to other companies that buy used phones, Swappa seems to be exceptionally safe especially considering its buyer-to-buyer platform.”,”_id”:”KC43FEMWZ5C6TD5SXASDUZNHFA”,”type”:”text”,”content”:”For these reasons, I think Swappa is a great way to sell your cell phone. You can always create a listing here first to see if you can sell your phone at your target price. If not, you can compare lower offers to the quotes you get from competitors’ websites.”,”level”:2,”_id”:”4FFUIEHCFBEH5KAGPC3CCYK6HQ”,”additional_properties”:”id”:”tips”,”type”:”header”,”content”:”Tips for Selling Your Phone on Swappa”,”_id”:”ZXTOJNIR5ZF5LMCMEQE3ZPSP5A”,”type”:”text”,”content”:”If you’re thinking about selling your phone on Swappa, here are a few tips to keep in mind to get the most out of the sale:”,”list_type”:”unordered”,”_id”:”B43SESDZ5ZCX5MBH455TLOW45U”,”type”:”list”,”items”:[“_id”:”JYAPE6WYYRGSNH5YJCIDVULIZY”,”type”:”text”,”content”:”Be accurate, honest and detailed in your listing. When you create your initial listing, make sure you’re honest and detailed when describing your phone’s condition. No matter how much you sell the phone for, if the product isn’t as advertised, you won’t be able to deny a return. For this reason, it’s important to be descriptive and provide as many clear pictures as possible.”,”_id”:”ZBFOSBH34VEYPAYNE5FTD2STBU”,”type”:”text”,”content”:”Post in Swappa Local. If you’re in an area that offers Swappa Local, allow your post to be listed there as well. This can be a great way to get a buyer sooner. You’ll be able to pick a location for same-day pickup without having to worry about shipping.”,”_id”:”P5OF2KYVCJCWDAVMVBWYO774AM”,”type”:”text”,”content”:”Price your phone based on what others are paying. When it comes to pricing your phone, it’s best to check out how much phones of the same model and condition are selling for on Swappa and other online marketplaces. Don’t forget that you’ll be responsible for any shipping fees, so be sure to include these in your asking price. A small sales fee will be attached to the asking price that the buyer will cover, so also consider how this will affect the total price.”,”_id”:”FWMGGT77FRGVFGZK75WFNLYAAE”,”type”:”text”,”content”:”Check your listing regularly. Once your phone has been purchased, you’ll have only two days to provide a shipment tracking number. Plus, you don’t want to miss any interested buyers who have additional questions or good offers. Still, don’t be afraid to turn down lower offers. Remember that once you accept a lower offer, your listing will be edited, and anyone will be able to purchase your phone at the new price.”],”level”:2,”_id”:”ZWKXOX3NXZHHNGZHH5DIWRUIUU”,”type”:”header”,”content”:”Final Thoughts”,”_id”:”TKO6OUCEUBEH7LE56TP7SWBFSA”,”type”:”text”,”content”:”Ultimately, Swappa is a great place to consider selling your phone or any other used technology that’s fully functional and in good condition. Swappa offers some of the highest returns for used phones and prides itself on seller and buyer safety.”,”_id”:”CVUTMJSXEBD3FN4MB4XZQHOTRU”,”type”:”text”,”content”:”Before you get started, be sure to create a PayPal account, factory reset the phone you’re selling and have it nearby so that you can get the ESN/serial number and take photos for verification. While you’re creating your listing, don’t forget to post in Swappa Local as well if you’re in an eligible area.”,”_id”:”5VAKLY3J4NGNXEOVOLMINQLQMI”,”type”:”text”,”content”:”After you’ve created your listing and it goes live, check back regularly to respond to interested buyers. If your phone sells, you’ll want to ship it within two days. If it hasn’t sold within seven days, you’ll need to extend the listing for another week. Once someone does purchase your phone, you’ll be paid instantly via PayPal.”,”_id”:”6FEGKXFZTFHV3CRGKZAUYLGSFQ”,”type”:”text”,”content”:”Have you ever sold a phone on Swappa? Tell us about your experience in the comments below!“,”level”:3,”_id”:”BCFNBIHTLBHGRK7LIBMEDF2D5U”,”type”:”header”,”content”:”More Clark.com Content To Help You Earn The Most:”,”list_type”:”unordered”,”_id”:”AARJXGIMDNDSFHI7O76FV4DLD4″,”type”:”list”,”items”:[“_id”:”4NYQLFJXERGYLM3CT43HAES4II”,”type”:”text”,”content”:”The Best Places to Sell Your Cell Phone“,”_id”:”R3PB7LCL2VBFVLYTYA3AZJSX6U”,”type”:”text”,”content”:”Sell Stuff Online: The Best Sites and Apps“,”_id”:”MQLPYUTR2FHHBIUCV4P2NOZPMI”,”type”:”text”,”content”:”How to Sell on Poshmark: Make Extra Money With This Online Thrift Store“],”_id”:”DHNLUKV3XNAMRCUPCHEIZ6KY4U”,”type”:”raw_html”,”content”:”

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“,”_id”:”UURSLHCSBRCQZPENLN3MV37NDA”,”type”:”raw_html”,”content”:””,”_id”:”GJO6OPQJ7VCM5GTIBNNQFJKSHU”,”additional_properties”:”href”:”https://clark.com/make-money/swappa/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”type”:”interstitial_link”,”content”:”This article was originally published on Clark.com”,”url”:”https://clark.com/make-money/swappa/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”_id”:”OOPSWHUK6RFELIGZWLHZHFYRAY”,”type”:”text”,”content”:”The post Swappa: 5 Things to Know Before Selling Your Phone appeared first on Clark Howard.”],”display_date”:”2021-02-25T15:00:49Z”,”headlines”:”basic”:”Swappa: 5 Things to Know Before Selling Your Phone”,”first_publish_date”:”2021-02-25T15:00:49Z”,”taxonomy”:{“sections”:[“path”:”/news/business”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”Business”,”description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”_id”:”/news/business”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”ComposerNav”:”/”,”site”:”section_comments_enabled”:”Yes”,”site_description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”site_title”:”Atlanta Business news and updates”,”navigation”:”nav_title”:”Business”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”Business”,”_id”:”/news/business”,”ancestors”:”default”:[“/”],”BottomNav”:[],”TopNavRedesign”:[“/”,”/news”],”SectionMap”:[“/”],”order”:”default”:2006,”TopNavRedesign”:2005,”SectionMap”:1031,”ComposerNav”:1107,”_website_section_id”:”ajc./news/business”,”type”:”section”,”version”:”0.6.0″],”primary_section”:”path”:”/news/business”,”name”:”Business”,”tags”:[“text”:”clark”]},”type”:”story”,”last_updated_date”:”2021-02-28T05:40:57.072Z”,”canonical_url”:”/news/swappa-5-things-to-know-before-selling-your-phone/YPKL6LSABVFANA446VOVGGZNL4″,”promo_items”:”basic”:”width”:150,”type”:”image”,”url”:”https://cloudfront-us-east-1.images.arcpublishing.com/ajc/PR76O3WCQMK42BVRQ7YID7H5ZE.png”,”height”:150,”_id”:”YPKL6LSABVFANA446VOVGGZNL4″},{“content_elements”:[“_id”:”NDTNLOYU6RFZRBVZQT26VN2QXM”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Stocks shook off a weak start and closed broadly higher Wednesday, nudging the Dow Jones Industrial Average to another all-time high.”,”_id”:”75FYOTOM7FAN5KU4QLQN2O2CZI”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”The S&P 500 rose 1.1% after having been down 0.6% in the early going. Gains in financial, technology and industrial stocks powered the comeback. Utilities fell.”,”_id”:”GJG5JKPSWBGCFJ2ZKIW4SIHY64″,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”U.S. Treasury yields continued to head higher. Bank stocks benefited from the latest upward move in yields, which will allow them to charge higher rates on mortgages and other loans, increasing their profits. JPMorgan Chase rose 1.8% and Bank of America added 2.4%.”,”_id”:”KNI3FRF6NFGTVFEKTGQQM7V3YI”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”» MORE: Federal Reserve banking system back online after nationwide outage“,”_id”:”YZVEFWMUDVB4JD4RCPZE6OA2TE”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”The S&P 500?s technology sector accounted for a big share of the rally after declining for six straight days.”,”_id”:”QWKLDCE7K5E5RA2GV4BUO3TMCI”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”“(Stocks) are back in rally mode after spending the past few days trending sideways, digesting early year gains,” said Terry Sandven, chief equity strategist at U.S. Bank Wealth Management. “On balance, we still think the glass is half full and (stocks) trend higher as we look to the end of the year.””,”_id”:”35OY3LDFYVH65HDLYLTFWJROF4″,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”The S&P 500 index rose 44.06 points to 3,925.43. The Dow climbed 424.51 points, or 1.4% to 31,961.86, an all-time high. The Nasdaq Composite added 132.77 points, or 1%, to 13,597.97.”,”_id”:”COPXK3WHE5DPFIFT4NW6NADETA”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”The Russell 2000, which tracks smaller companies, continued to outpace the rest of the market, as it has since the beginning of the year. That’s a sign investors are feeling more confident about economic growth. The index rose 53.07 points, or 2.4%, to 2,284.38.”,”_id”:”DZVEZBOGK5EALPQVAAJZ6NTLFI”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Investors are still anticipating another round of stimulus to help boost the economy. The U.S. House of Representatives is likely to vote on President Biden’s proposed stimulus package by the end of the week. It would include $1,400 checks to most Americans.”,”_id”:”5756WQT3FRHUXBUA5TWKJD4KNQ”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”The afternoon rebound followed Federal Reserve Chair Jerome Powell’s appearance before Congress Wednesday. Powell said that the central bank will not begin raising interest rates until it believes it has reached its goals on maximum employment and inflation.”,”_id”:”DF5HZM2NZJHXZCB3AH5OGNTBBA”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”As he did before the Senate Banking Committee on Tuesday, Powell told the House Financial Services Committee that the Fed was in no hurry to raise benchmark short-term interest rates or to begin trimming its $120 billion in monthly bond purchases used to put downward pressure on longer-term rates.”,”_id”:”SRLWXV7X65DKBOIGANKWOYBJCI”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Powell said the Fed did not see any indication that inflation could race out of control. While price increases might accelerate in coming months, Powell said those increases were expected to be temporary and not a sign of long-run inflation threats. Inflation has been nonexistent in the U.S. for the better part of a decade.”,”_id”:”EIXEVJGA6RCD7EPEOLOUDMUFH4″,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Treasury yields continued to climb Wednesday, adding to a multi-week increase in rates that are used as benchmarks for many kinds of loans. The yield on the 10-year Treasury note rose to 1.38%, the highest level in just over a year.”,”_id”:”NV2XLMFVCJADVEI2FQC2D25A5M”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”The rise in bond yields has several implications for both the stock market and overall economy. Higher yields make stocks with lofty valuations less attractive. Those tend to be technology companies, which are priced typically for growth and not for a steady return of dividends like mature companies like makers of consumer staples, utilities and real estate.”,”_id”:”H72T6HUZJRB4FIPI4KII22SPMM”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Despite the tech in rally stocks overall, some Big Tech companies fell Wednesday. Apple slid 0.4% and Amazon dropped 1.1%. Those and other Big Tech companies rocketed in 2020 as investors bet that the pandemic would cause Americans to shift shopping habits and buy gadgets to keep themselves occupied in pandemic quarantines.”,”_id”:”FWO4HCRO45DL3G3DVD6PQDPPYI”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Boeing jumped 8.1%, the biggest gainer in the Dow Jones Industrial Average, after shedding 2.5% over the prior two days in the wake of an engine malfunction over the weekend in a 777 aircraft operated by United Airlines.”,”_id”:”M5EBNRTPNRAGLFD6NI6XQIEBYU”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”The plane, which took off from Denver and was bound for Honolulu, was forced to make an emergency landing Saturday after a fan blade broke and pieces of the engine’s casing fell on neighborhoods. Federal aviation regulators ordered the grounding of planes with the type of engine on the plane.”,”_id”:”ZZAXDFIKINBQ3MDD3MMGNV5E5Y”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”GameStop doubled in the last hour of trading in another burst of volatility. The video game retailer’s stock shot up to $91.71. It was the stock’s best day since January 27, when it more than doubled and closed at $347.51. Shares in AMC Entertainment jumped 18.1%. Both stocks have been hyped in recent weeks by people on social media forums at the expense of hedge funds that were betting these stocks would lose value.”],”display_date”:”2021-02-24T22:50:58.485Z”,”headlines”:”basic”:”UPDATE: Bank stocks soar on Wall Street as Dow flirts with 32,000″,”first_publish_date”:”2021-02-24T15:58:25.583Z”,”taxonomy”:{“sections”:[“path”:”/news/nation-world”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”National & World News”,”description”:”US and world news updates from the AJC”,”_id”:”/news/nation-world”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”TopNav”:”/news”,”ComposerNav”:”/”,”site”:”site_url”:””,”section_comments_enabled”:”Yes”,”site_description”:”US and world news updates from the AJC”,”site_title”:”National & World News”,”navigation”:”nav_title”:”National & World News”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”National & 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applications were still experiencing issues.”,{“subtype”:”twitter”,”referent”:”referent_properties”:”additional_properties”:”comments”:[],”_id”:1614206929189,”provider”:”https://publish.twitter.com/oembed?url=”,”service”:”oembed”,”id”:”https://twitter.com/bcheungz/status/1364655513561141252″,”type”:”twitter”,”_id”:”35PB6YAPKZDONILHUTTXTHOI6E”,”raw_oembed”:”author_name”:”Brian Cheung”,”cache_age”:”3153600000″,”provider_url”:”https://twitter.com”,”type”:”twitter”,”version”:”1.0″,”url”:”https://twitter.com/bcheungz/status/1364655513561141252″,”author_url”:”https://twitter.com/bcheungz”,”width”:550,”html”:”

Fed update on Fedwire services being down: “The issue impacting Central Bank applications has been resolved and users may resume normal access.”

— Brian Cheung (@bcheungz) February 24, 2021

n

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“,”_id”:”CDYUHRV2SBDV5G2NW7L77S6DGI”,”type”:”raw_html”,”content”:””,”_id”:”K6E4N4APQJBHLMLWIGFV4TRSZE”,”additional_properties”:”href”:”https://clark.com/podcasts/02-24-21-the-power-of-the-pivot-knowing-where-your-transferable-skills-are-needed-also-your-options-when-your-employer-doesn-t-offer-a-401k-match-or-any-retirement-account/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”type”:”interstitial_link”,”content”:”This article was originally published on Clark.com”,”url”:”https://clark.com/podcasts/02-24-21-the-power-of-the-pivot-knowing-where-your-transferable-skills-are-needed-also-your-options-when-your-employer-doesn-t-offer-a-401k-match-or-any-retirement-account/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”_id”:”2ZFHSRVDKJGUNJQGU5JSJLLKD4″,”type”:”text”,”content”:”The post 02.24.21 The Power of the Pivot-Knowing where your transferable skills are needed. Also, your options when your employer doesn’t offer a 401K match or any retirement account. appeared first on Clark Howard.”],”display_date”:”2021-02-24T20:00:00Z”,”headlines”:”basic”:”02.24.21 The Power of the Pivot-Knowing where your transferable skills are needed. 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News”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”Local News”,”Sponsor”:”sponsor_url_open_new_tab”:”true”,”sponsor_desktop_banner”:””,”sponsor_mobile_banner”:””,”sponsor_url”:””,”_id”:”/news/atlanta-news”,”ancestors”:”TopNavRedesign”:[“/”,”/news”],”SectionMap”:[“/”],”TopNav”:[“/news”],”order”:”default”:2004,”TopNavRedesign”:2004,”SectionMap”:1065,”TopNav”:2002,”ComposerNav”:1105,”_website_section_id”:”ajc./news/atlanta-news”,”type”:”section”,”version”:”0.6.0″],”tags”:[“text”:”business”,”text”:”business-economy.ajc”,”text”:”job-news-atlanta.ajc”,”text”:”jobs”,”text”:”georgia news”,”text”:”atlanta-news-metro.ajc”,”text”:”economy”],”primary_section”:”path”:”/news/business”,”name”:”Business”},”type”:”story”,”last_updated_date”:”2021-02-24T23:48:11.717Z”,”canonical_url”:”/ajcjobs/staffing-giant-adecco-moving-north-america-hq-to-atlanta/IBVHUZNVLBEGRII3LXO4QTE5QQ/”,”promo_items”:”basic”:”credits”:,”subtitle”:”Adecco to move its North American headquarters from Jacksonville to Atlanta”,”width”:721,”caption”:”Nationally, the staffing industry generates more than $100 billion a year in revenue, providing employees for jobs such as maintnence, construction, contact centers, warehouses, administration and manufacturing. AJC File Photo.”,”type”:”image”,”url”:”https://cloudfront-us-east-1.images.arcpublishing.com/ajc/G6PEID4IPYVIH2LM7MQ7V37ZJA.jpg”,”height”:478,”_id”:”IBVHUZNVLBEGRII3LXO4QTE5QQ”},{“content_elements”:[“_id”:”ZIMMLOEJGFHCFGKFZL2B3HH2TI”,”type”:”text”,”content”:”Figuring out how much a financial advisor costs can be challenging. But it’s easier if you understand how financial advisors get paid and what they offer.”,”_id”:”PBWK4B7B55HA3CGE4U2HQVNKUQ”,”type”:”text”,”content”:”That information also isn’t easy to find. Hiring a financial advisor can be a bit like shopping for a mattress: very confusing. The terms seem different from store to store, and it’s hard to compare the products because you’re seeing only what’s on the outside.”,”_id”:”EICI5QTLN5B4RHPREEMHRFWI6E”,”type”:”text”,”content”:”In this article, I’ll explain the compensation models and types of financial advisors. I’ll also provide money expert Clark Howard’s recommendations on financial advisors.”,”level”:3,”_id”:”CR6X4P7VT5HOPO27I32D7J6M5A”,”additional_properties”:”id”:”h-table-of-contents”,”type”:”header”,”content”:”Table of Contents”,”list_type”:”unordered”,”_id”:”2XDPWCXRDND7ZCE5XTV3QUMPUE”,”type”:”list”,”items”:[“_id”:”32FEYGARCNE7DEPZFBEEXM3S6M”,”type”:”text”,”content”:”How Much Does a Financial Advisor Cost?“,”_id”:”6RPBR3CCLVBQDOWH6HEMRO26RE”,”type”:”text”,”content”:”How Financial Advisors Get Paid“,”_id”:”RIZABSUDOJGU7POSJSSRYGLDAA”,”type”:”text”,”content”:”Types of Financial Advisors“,”_id”:”T2NZWIQWIVBJ7FT3G4SSJTT6QY”,”type”:”text”,”content”:”Fee-Only Financial Advisors“,”_id”:”ZDHX2Y7AGFCVVJA7QI3NSMKRH4″,”type”:”text”,”content”:”Commission-Only Financial Advisors“,”_id”:”DKU3XHRQYZAEJEPYW72A433OZA”,”type”:”text”,”content”:”Fee-Based Financial Advisors“,”_id”:”NV7PEGKOC5DVNF7EGSUJQSDE6E”,”type”:”text”,”content”:”How To Find Out How Your Financial Advisor Gets Paid“,”_id”:”NGKCYBXIDFBVDJVRRPGLOJP5UY”,”type”:”text”,”content”:”How To Choose Which Fee-Only Model Works for You“],”level”:2,”_id”:”DX47CF52MRHKTM2VHJG3LKFE4Q”,”additional_properties”:”id”:”h-how-much-does-a-financial-advisor-cost”,”type”:”header”,”content”:”How Much Does a Financial Advisor Cost?”,”_id”:”EVEQVW3QBNG43OJZSIWU4KCPN4″,”type”:”text”,”content”:”You’re interested in hiring a financial advisor. But how much will working with a financial advisor cost? And what will you get in return?”,”_id”:”WPKWUQSQ2ZDK7CQRKCCUECSPOM”,”type”:”text”,”content”:”Those can be two of the most complicated questions in investing and financial management. The answers vary wildly based on the way that your financial advisor gets paid and what type of financial advisor you hire.”,”_id”:”4M6U3WVQG5FWBK46SA7AWSLJJU”,”type”:”text”,”content”:”Once you narrow down those choices, there’s still a wide range of costs depending on which company or person you choose.”,”_id”:”HFWQKSISTVEANLNI5ALZNVYUSE”,”type”:”text”,”content”:”I’ll take you through those bigger choices and explain what Clark recommends.”,”level”:2,”_id”:”WI5HIJEFB5H3ZP3RQXZXZTRGFE”,”additional_properties”:”id”:”h-how-financial-advisors-get-paid”,”type”:”header”,”content”:”How Financial Advisors Get Paid”,”width”:800,”caption”:”Before you know how much a financial advisor costs, it’s important to understand how financial advisors get paid.”,”_id”:”IKZR5NSDI5F33ALAIH6QWWGNPA”,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/How-Much-Does-a-Financial-Advisor-Cost_-5-1.png?resize=800%2C300&ssl=1″,”alt”:”Before you know how much a financial advisor costs, it’s important to understand how financial advisors get paid.”,”width”:”800″,”style”:”max-width: 100%”,”loading”:”lazy”,”srcset”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/How-Much-Does-a-Financial-Advisor-Cost_-5-1.png?w=800&ssl=1 800w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/How-Much-Does-a-Financial-Advisor-Cost_-5-1.png?resize=300%2C113&ssl=1 300w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/How-Much-Does-a-Financial-Advisor-Cost_-5-1.png?resize=768%2C288&ssl=1 768w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/How-Much-Does-a-Financial-Advisor-Cost_-5-1.png?resize=260%2C98&ssl=1 260w”,”class”:[“wp-image-185372″],”data-recalc-dims”:”1″,”height”:”300″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/How-Much-Does-a-Financial-Advisor-Cost_-5-1.png?resize=800%2C300&ssl=1″,”height”:300,”_id”:”XIUW2BSRDVE2XPPZ5AAEBPRSXQ”,”type”:”text”,”content”:”In order to determine how much hiring a financial advisor will cost, you need to understand how they get paid.”,”_id”:”FSHMSEQJUVCFNCXZ5ZACRD6Y6Y”,”type”:”text”,”content”:”There are three main business models for financial advisors:”,”list_type”:”ordered”,”_id”:”UV746CMDEFDOFAKCAPPVNAZU6U”,”type”:”list”,”items”:[“_id”:”WIVQPY7ESREMXB3W5QCUZJYN6Y”,”type”:”text”,”content”:”Fee only: As the name suggests, these financial advisors make money only by charging you fees. They never make money on commission or from third-party companies. Fee-only financial advisors are always fiduciaries.”,”_id”:”WPCABU4SU5HWVFX74ON57CMW5Q”,”type”:”text”,”content”:”Commission only: Fiduciaries can’t be commission-only. So these are typically broker-dealers. Commission-only financial advisors make money on the products they sell you.”,”_id”:”UU3JQ2IG7JCENCUPC2Y4MW4PQE”,”type”:”text”,”content”:”Fee-based: This is the trickiest business model. Fee-based advisors can make money on fees and commissions. These can be fiduciaries or broker-dealers.”],”_id”:”PKE4ZMM2P5HNTO4PKM6VYT32DI”,”type”:”text”,”content”:”Clark wants you to focus solely on fee-only financial advisors.”,”_id”:”7KIZI5FL7FADZM2J5S4FFHPP5A”,”type”:”text”,”content”:””The time I want somebody to hire a commissioned salesperson to handle their investments is never, never, never — not ever,” Clark says.”,”_id”:”JU63VWXT2JBIPJJL3FL7CX7BAY”,”type”:”text”,”content”:”You want a fiduciary financial advisor. That’s someone who is legally required to prioritize your financial interests ahead of their own.”,”_id”:”MILWBEZZRVFCTISG7EZN3IYLHU”,”type”:”text”,”content”:”Fee-only fiduciaries never earn commissions. However, fiduciaries can work as fee-based financial advisors. They’re required to, at minimum, disclose any potential conflicts of interest. So there’s still a way for them to earn commissions.”,”_id”:”6F6BJSEPIZBXPAAC2ZJFXR4FOQ”,”type”:”text”,”content”:”So in Clark’s view, it’s vital to work with a fee-only fiduciary rather than a fee-based fiduciary.”,”level”:2,”_id”:”4EJ3LJ3N2FCSDP3DHKVOOKVQKE”,”additional_properties”:”id”:”h-types-of-financial-advisors”,”type”:”header”,”content”:”Types of Financial Advisors”,”width”:800,”caption”:”How much a financial advisor costs depends on what type of financial advisor you pay.”,”_id”:”FRXNG5642BHENDJFNX3EWSLEVA”,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i2.wp.com/clark.com/wp-content/uploads/2021/02/How-Much-Does-a-Financial-Advisor-Cost_-3.png?resize=800%2C300&ssl=1″,”alt”:”How much a financial advisor costs depends on what type of financial advisor you pay.”,”width”:”800″,”style”:”max-width: 100%”,”loading”:”lazy”,”srcset”:”https://i2.wp.com/clark.com/wp-content/uploads/2021/02/How-Much-Does-a-Financial-Advisor-Cost_-3.png?w=800&ssl=1 800w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/How-Much-Does-a-Financial-Advisor-Cost_-3.png?resize=300%2C113&ssl=1 300w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/How-Much-Does-a-Financial-Advisor-Cost_-3.png?resize=768%2C288&ssl=1 768w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/How-Much-Does-a-Financial-Advisor-Cost_-3.png?resize=260%2C98&ssl=1 260w”,”class”:[“wp-image-185359″],”data-recalc-dims”:”1″,”height”:”300″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i2.wp.com/clark.com/wp-content/uploads/2021/02/How-Much-Does-a-Financial-Advisor-Cost_-3.png?resize=800%2C300&ssl=1″,”height”:300,”_id”:”V3T3RMTPYNAJZD33P4ATJNY5OY”,”type”:”text”,”content”:”I’ll go into more detail on each of the three ways that financial advisors get paid shortly.”,”_id”:”HVKEJQRPVZABNFNPOCKMSUCJRM”,”type”:”text”,”content”:”But first, it’s important to know the differences between the three types of financial advisors:”,”level”:3,”_id”:”VX2BPAC4W5GKDOEN7N334UUESY”,”additional_properties”:”id”:”h-1-traditional-advisors”,”type”:”header”,”content”:”1. Traditional Advisors”,”_id”:”VP2CKDUWONFCHAJ2TNAA3WJJYQ”,”type”:”text”,”content”:”Historically, these are humans who meet with you face-to-face. Thought as you would expect, that has shifted more to virtual meetings during the COVID-19 pandemic.

Typical Financial Advisor Cost: The industry benchmark for traditional advisors is to charge an annual fee equal to about 1% of a client’s assets under management (AUM). That figure can vary considerably. If you’re paying a traditional advisor for a one-time consultation, you can expect to pay in the neighborhood of $200-$400 per hour.

What You Get: Traditional financial advisors tend to be full-service. That means they offer help with a host of financial needs including retirement planning, tax strategy, debt management, investing and estate planning.

You and your financial advisor will put in some initial work to pinpoint your goals and to create a financial plan designed to help you achieve them. The two of you probably will meet periodically to make sure you’re on track.

You can also reach out to your financial advisor for support if a major financial event occurs such as inheriting a large amount of money.”,”_id”:”QFMCACMXORAGHB6SFQ6T3KSIGM”,”type”:”text”,”content”:”Clark.com Recommends: The best way to find a local fee-only fiduciary is through the Garrett Planning Network. Just enter your ZIP code to find financial advisors near you that are fee-only, charge by the hour and are accessible to almost everyone.”,”level”:3,”_id”:”VP4R7CNNQ5BULP5GRSIO6ANSMQ”,”additional_properties”:”id”:”h-2-hybrid-advisors”,”type”:”header”,”content”:”2. Hybrid Advisors”,”_id”:”KUKL6RMD2VDWNIPEQVFYUDYJTY”,”type”:”text”,”content”:”Many investment companies, including Vanguard, Schwab and Fidelity, now offer what I consider to be hybrid financial advisor options.”,”_id”:”4CMVG4EE25AVRFDIULUBROD5R4″,”type”:”text”,”content”:”They combine robo-advisor investing with access to full-service financial planning.”,”_id”:”VTCKDVXQR5AIREPIWSXKXVMTYQ”,”type”:”text”,”content”:”Typical Financial Advisor Cost: There’s a wide range. But most hybrid advisors charge between 0.30% and 0.90% annually. The hybrids tend to be a little less expensive than traditional financial advisors due to the automated nature of the investment portfolios.”,”_id”:”7UQYJNQBFREVTPH6XHZN5ULTS4″,”type”:”text”,”content”:”What You Get: The investment component for these hybrids usually starts with the company’s entry-level robo-advisor. You’ll answer a few questions and you’ll get a recommendation to invest in one of several pre-built portfolios based on your answers. In other words, the investment component is automated.

You’ll also get access to full-service human financial advisors. Especially at reputable investment companies, these are usually Certified Financial Planners who offer full-service financial planning and advice.”,”_id”:”HH2FYJWDQVBLBHHIUM6BYENKNY”,”type”:”text”,”content”:”Clark.com Recommends: Clark loves Vanguard’s Personal Advisor Services and Schwab’s Intelligent Portfolios Premium. They’re two of his primary recommendations to people who are looking for a financial advisor.”,”level”:3,”_id”:”INRDFFX2CVFH3DV6PFTMO45NLM”,”additional_properties”:”id”:”h-3-robo-advisors”,”type”:”header”,”content”:”3. Robo-Advisors”,”_id”:”PWGOZTGSD5GO7HVSVDBK4V5GDY”,”type”:”text”,”content”:”If you’re not familiar with robo-advisors, the name serves as a pretty good description.”,”_id”:”A542THVGRZH47F7HA5Z3EMWCIE”,”type”:”text”,”content”:”You’ll answer a series of questions. Then the robo-advisor algorithm will point you toward a pre-selected portfolio that fits your goals.”,”_id”:”KPQC6ND7PFDQDOY7CYPV22RMDQ”,”type”:”text”,”content”:”Typical Robo-Advisor Cost: Somewhere between 0.25% and 0.50% annually is a good range. With a typical robo-advisor, you’ll also pay somewhere close to 0.10% in expense ratios on the funds in which you invest.”,”_id”:”VRJCVS2OYNF2TFAX7UAUVUUHDU”,”type”:”text”,”content”:”What You Get: A well-diversified portfolio that often offers tax-loss harvesting and automated rebalancing. The portfolio mix is based on factors like your age, income and risk tolerance.

Some robo-advisors are starting to offer impressive tools to track your financial goals. But outside of investing, you won’t get other services such as full-service financial planning. Don’t expect access to human help beyond call center-level customer service.”,”_id”:”CDYTC2BU4FFTZKOQN6XSCPX42U”,”type”:”text”,”content”:”Clark.com Recommends: Check out our list of the eight best robo-advisors.”,”level”:2,”_id”:”LN3YKEDISRAZ7BTVXYHB673UQA”,”additional_properties”:”id”:”h-fee-only-financial-advisors”,”type”:”header”,”content”:”Fee-Only Financial Advisors”,”_id”:”HZFXXHWSRRBJ7BVAPTQLYUT2EM”,”type”:”text”,”content”:”As I mentioned earlier, Clark recommends that you do business only with fee-only advisors. These advisors are always fiduciaries, which is an important distinction.”,”_id”:”7FQTBTPWHRDNBHHEZWX2UDYID4″,”type”:”text”,”content”:”Fee-only advisors get paid solely by charging clients. However, there are multiple ways that these advisors can bill clients:”,”list_type”:”ordered”,”_id”:”BL6NVULECBFSPD4P4N7VXBXJWQ”,”type”:”list”,”items”:[“_id”:”QXHEVZ4ZHRGPHIXENYQO2JL3GM”,”type”:”text”,”content”:”Based on assets under management (AUM). This is an annual fee based on the total dollars that you’re handing to the financial advisor to manage. The fee is typically based on the AUM at the beginning of each year and billed monthly or quarterly. Often the cost is tiered with multiple thresholds. The more money you give to your financial advisor to invest, the lower percentage you’re likely to pay as an annual fee.”,”_id”:”4W7PA7DCSNHWVNNF6KJ2KLN3BQ”,”type”:”text”,”content”:”Hourly rate. You’d typically pay an hourly rate between $200 and $400 if you’re hiring a financial advisor for a one-time consultation.”,”_id”:”KL34DVV5CVBVNPEJHNOTRKDMFI”,”type”:”text”,”content”:”Service-based. A financial advisor can charge a set amount in exchange for a specific service. For example, perhaps you’d hire a financial advisor to create a retirement roadmap or to make an estate plan. This can be as little as a few hundred dollars or as much as thousands of dollars depending on the complexity of your needs.”],”level”:2,”_id”:”KDA2DS35RRGTDO3UPXX3D2F5NE”,”additional_properties”:”id”:”h-commission-only-financial-advisors”,”type”:”header”,”content”:”Commission-Only Financial Advisors”,”_id”:”BHAVB3SIXJCPPNCQ3HG52AA3CM”,”type”:”text”,”content”:”Commission-only financial advisors often focus only on investing. They make money in three main ways:”,”list_type”:”ordered”,”_id”:”MVDUTRCODFB7NKPA6NMQR5XMP4″,”type”:”list”,”items”:[“_id”:”F6NOFU5VDRCTRKFOI26RGS2R3Q”,”type”:”text”,”content”:”Front-end fees. Commission-only financial advisors often take a percentage of the money you’re investing before executing your investment order. They can also charge a flat fee in exchange for placing your order.”,”_id”:”RJCQ53XTDZCJJEHFJF64HUMLFI”,”type”:”text”,”content”:”Back-end fees. Some commission-only advisors charge their percentage or flat fee only after you’ve exited the specific investment they guided you to purchase.”,”_id”:”EAH6AAA5QJH6XKXJWD3J37MT6M”,”type”:”text”,”content”:”Third-party commissions. Advisors can get paid directly from the third-party company they’re recommending that you buy. Often this is in addition to the fee they charge you.”],”_id”:”ZHUWSQOS4NEKJOA5W7RU65T5AI”,”type”:”text”,”content”:”Fiduciaries can’t be commission-only, so we’re talking about broker-dealers here. Clark doesn’t recommend doing business with commission-only financial advisors.”,”_id”:”ENTEKC76ZZFKXARRO7VU6526X4″,”type”:”text”,”content”:”For a long time, the investment industry’s self-regulator, the Financial Industry Regulatory Authority (FINRA,) only required broker-dealers to point clients toward “suitable” investments. The suitability standard allowed for plenty of leeway and made it possible for salespeople to point you toward products that paid them high commissions — even if those products weren’t in your best interests.”,”_id”:”RTF4BMXWKJAZ5OHMJYQIDX3Q6Y”,”type”:”text”,”content”:”Recently, a new federal Securities and Exchange Commission (SEC) rule called Regulation Best Interest raised the bar from “suitable” to something that’s in the “best interest of the retail customer.” There’s ongoing legal discussion surrounding this rule. As of this writing, it remains unclear what stance President Joe Biden and his administration will take on the existing rule.”,”level”:2,”_id”:”VKTMDLFK4FH3VLE5KSZABUSRAA”,”additional_properties”:”id”:”h-fee-based-financial-advisors”,”type”:”header”,”content”:”Fee-Based Financial Advisors”,”_id”:”MWB2FP2WZRFQFINVDLFKWI3V5U”,”type”:”text”,”content”:”It’s easy to confuse fee-only and fee-based. But they’re quite different.”,”_id”:”3XGYCTHQLBBBHMWLGZSJF2FE5A”,”type”:”text”,”content”:”Fee-based financial advisors can get paid via fees and via commissions.”,”_id”:”WEGGFYFVYJDPHCKYY25DQUQ3KY”,”type”:”text”,”content”:”As long as they disclose any conflicts of interest, it’s legally possible for a fiduciary to earn commissions, but Clark recommends that you work with fee-only fiduciaries.”,”_id”:”HE5DAPDWQBBFNMYRBBKEZXS3CM”,”type”:”text”,”content”:”Fee-based advisors also may not be fiduciaries at all.”,”_id”:”NH6H42GZ3FHXFJEIUNASNAHGLM”,”type”:”text”,”content”:”Because fee-based advisors can sometimes be difficult to identify, it’s important to understand not only how much your financial advisor costs you but how he or she gets paid.”,”level”:2,”_id”:”AMCMJI3QBZDMZNL5DQXHVQM55Y”,”additional_properties”:”id”:”h-how-to-find-out-how-your-financial-advisor-gets-paid”,”type”:”header”,”content”:”How To Find Out How Your Financial Advisor Gets Paid”,”_id”:”NJLG2ZBM3JG25MDWX2J2BMJ6IE”,”type”:”text”,”content”:”It would be useful if financial advisors had name tags on their shirts or banners on their websites identifying whether they’re fee-only, fee-based or commission-only.”,”_id”:”IVXUSKIWOVFTFHP33AK633EGLI”,”type”:”text”,”content”:”Unfortunately, the language that financial advisors use to describe themselves and their qualifications doesn’t always tell you how they get paid.”,”_id”:”DS4SAM5UGZGNRB7QN2YTPH2NBI”,”type”:”text”,”content”:”But there are several ways you can find out:”,”level”:3,”_id”:”LNZBRHQV4ZC45EOJFR6IOWDBQE”,”additional_properties”:”id”:”h-1-follow-clark-s-recommendations”,”type”:”header”,”content”:”1. Follow Clark’s Recommendations”,”_id”:”PCXP33QXKNHGHOCQJH2XOR4G2I”,”type”:”text”,”content”:”As I’ve mentioned, Clark recommends Vanguard’s Personal Advisor Services, Schwab’s Intelligent Portfolios Premium. He also offers a third option: Use Garrett Planning Network to find a local fee-only fiduciary.”,”_id”:”GIZ4GP345BADJKPAYA6S52YRQE”,”type”:”text”,”content”:”Clark’s recommendations all involve fee-only financial advisors.”,”level”:3,”_id”:”BYC22BVKV5E25DPSPNMMYWBVLY”,”additional_properties”:”id”:”h-2-ask-questions”,”type”:”header”,”content”:”2. Ask Questions”,”_id”:”OM3ZRT6IGJDPTEOM6L3X2NTE3U”,”type”:”text”,”content”:”Don’t be shy when you interview a potential financial advisor. If you choose an option outside of the three that Clark recommends, be prepared to ask questions.”,”_id”:”ARADQ4RASNAMRD7WCX55BFODCE”,”type”:”text”,”content”:”More specifically, ask the advisor these three things:”,”list_type”:”unordered”,”_id”:”P6EFZP7IOZD5VN5DJC7CEHOZMQ”,”type”:”list”,”items”:[“_id”:”BEY6JZN3PVCMBMDVK5NQHYO4GU”,”type”:”text”,”content”:”How do you get paid?”,”_id”:”2CSWEBJ6I5BWPORFTBKSCP24RM”,”type”:”text”,”content”:”Do you earn commissions?”,”_id”:”ZHYRFXBCSJAX5P4ISJ2TNN7W4Q”,”type”:”text”,”content”:”What are the total costs for the services you provide?”],”_id”:”B2UISJON25HWDHOXARODUFT4WU”,”type”:”text”,”content”:”If he or she can’t give you a direct answer, you should be skeptical.”,”level”:3,”_id”:”4CCW7LKSGNGCHEQ6YQRGQBC5JY”,”additional_properties”:”id”:”h-3-check-the-sec-paperwork”,”type”:”header”,”content”:”3. Check the SEC Paperwork”,”_id”:”HUJA7OQRX5DK7JCTAPOSKLZUTQ”,”type”:”text”,”content”:”All registered investment advisors (RIAs) are required to fill out what known as Form ADV. That’s SEC-required paperwork.”,”_id”:”MJ73PC6TCRB2HB7RZ2L6CDIQGU”,”type”:”text”,”content”:”Potential customers are entitled to review an investment advisor’s Form ADV. In Section 5, financial advisors must check boxes to indicate the ways they get paid.”,”_id”:”RV6SMCTYDFFMHJKCQ3SXOQ4244″,”type”:”text”,”content”:”In Part II of Form ADV, financial advisors also must detail any compensation they receive outside of client fees.”,”_id”:”G4WUC3TLA5CO5EVL2GBY777KOU”,”type”:”text”,”content”:”You can search for an advisor’s Form ADV here.”,”level”:2,”_id”:”NYLUF76CNJCBRCQ6Y5LJP5RVOY”,”additional_properties”:”id”:”h-how-to-choose-which-fee-only-model-works-for-you”,”type”:”header”,”content”:”How To Choose Which Fee-Only Model Works for You”,”_id”:”V26PGTKZBBCVRCZQXNINZF6MBE”,”type”:”text”,”content”:”How much will your financial advisor cost? That depends largely on the fee-only model you choose.”,”level”:3,”_id”:”LSNJSHGIQ5FP7JVLOBPFLZRLKA”,”additional_properties”:”id”:”h-accumulation-phase-no-advisor-or-a-robo-advisor”,”type”:”header”,”content”:”Accumulation Phase: No Advisor or a Robo-Advisor”,”_id”:”4TCOOI3VDRHQFM5GZIZXONU5GI”,”type”:”text”,”content”:”When you’re in what’s considered the accumulation phase of your career, you may not need a financial advisor at all. If you’re 20+ years away from retirement, you can probably manage your own investment portfolio or outsource it to a robo-advisor.”,”_id”:”JJA77SGX3VGXVMF26EB7F3JK6I”,”type”:”text”,”content”:”If you handle your own investing, Clark thinks you should consider a target date fund or a mix of three low-cost index funds (total stock, international and bond). With this strategy, you should pay less than 0.20% annually in expense ratios.”,”_id”:”TSMLMDLMXJAPBEVQOAD3WZ5BDQ”,”type”:”text”,”content”:”As I mentioned, robo-advisors typically charge between 0.25% and 0.50%, plus about 0.10% in expense ratios.”,”level”:3,”_id”:”BD6GOKIBTJGW7FAQM6EBKRTAF4″,”additional_properties”:”id”:”h-assets-under-management”,”type”:”header”,”content”:”Assets Under Management”,”_id”:”LFKTPG6TSJFSZKDLU5UX3Z5FLA”,”type”:”text”,”content”:”I wrote about the reasons you may want to hire a financial advisor here.”,”_id”:”BD6CKVD35NDTPJWLZ77YGPNS24″,”type”:”text”,”content”:”If you need to hire a financial advisor for an ongoing relationship, expect to pay an annual fee of about 1% of the money your advisor manages for you.”,”level”:3,”_id”:”ID3PBD4MZNGFTHRNTIIZDKHBXU”,”additional_properties”:”id”:”h-hourly-rate”,”type”:”header”,”content”:”Hourly Rate”,”_id”:”VUTEEXTDIZBLLDGUTJYL5JMER4″,”type”:”text”,”content”:”If you prefer to invest on your own and just want to make sure you’re on the right track, it may be a great idea to consult with a financial advisor periodically.”,”_id”:”6JBKGRXSZJGPNMJMS6H6NN6WCE”,”type”:”text”,”content”:”You can also get a consultation for specific situations such as when you get married, when you have a baby or when you inherit a pile of money.”,”_id”:”RQOBDL45ZJHDJEV6PKK5FCYZ4M”,”type”:”text”,”content”:”Expect to pay about $200 to $400 per hour for a consultation (but you won’t owe any ongoing fees).”,”level”:3,”_id”:”AJRZWH6XWJHH5K2PSNZIPDXZPY”,”additional_properties”:”id”:”h-service-based”,”type”:”header”,”content”:”Service-Based”,”_id”:”4HOETXOR6RFTVG63VVR66FETWE”,”type”:”text”,”content”:”If you want someone to create a full financial plan for you to follow or create an estate plan, a service-based fee model could work for you.”,”_id”:”YWCT3J5FF5DZFHOXGSNLZ2CP6E”,”type”:”text”,”content”:”The price could range from a few hundred dollars to several thousand depending on your needs.”,”level”:2,”_id”:”UOB4T3SAUZEM3JFUBTQHDAKUQ4″,”additional_properties”:”id”:”h-final-thoughts”,”type”:”header”,”content”:”Final Thoughts”,”_id”:”6AVFUH72ZRDIXPG6C6DQ4VMOOI”,”type”:”text”,”content”:”Figuring out how much the services of a financial advisor cost — and what you’re getting for that money — can give you a headache.”,”_id”:”UDES2UO555EGXJJ35AOKUGBKSE”,”type”:”text”,”content”:”In order to figure out the cost, you’ll need to decide which type of financial advisor you need and what you’re hoping to accomplish.”,”_id”:”Q5ZFM2CY3ZATZBN54VPN5VOO6A”,”type”:”text”,”content”:”Fortunately, Clark’s advice simplifies your choices. He recommends going with a fee-only fiduciary, preferably a Certified Financial Planner.”,”level”:3,”_id”:”3GNYP7UYDFBAPFA7SLZKSADBO4″,”additional_properties”:”id”:”h-more-clark-com-content-you-may-like”,”type”:”header”,”content”:”More Clark.com Content You May Like: “,”list_type”:”unordered”,”_id”:”G6OKT24UXVD3TPXGKUZHRDQUTE”,”type”:”list”,”items”:[“_id”:”PQVNIY4PX5AJPMRKAURAETWGUQ”,”type”:”text”,”content”:”What Is a Financial Advisor and Do I Need One?“,”_id”:”353UJDMCIVBJHAAOIOYEW2FPTI”,”type”:”text”,”content”:”What Is a Fiduciary Financial Advisor?“,”_id”:”FXWNGGEQCRG6JG4YR3CU4IBBIQ”,”type”:”text”,”content”:”Investing: Self-Directed vs. Robo-Advisor vs. Financial Advisor“,”_id”:”V3TTSVMAE5B4XNXUQA5XZJWHGY”,”type”:”text”,”content”:”How To Save and Invest the Clark Howard Way“],”_id”:”RL3DX4MGN5CDHJDDHNIGILPUDI”,”type”:”raw_html”,”content”:”

“,”_id”:”SFSNZM42BNAHNPKQK72A73M4RQ”,”type”:”raw_html”,”content”:”

“,”_id”:”2PO4RRK5UZDTHFEUUFGXJBGSEY”,”type”:”raw_html”,”content”:””,”_id”:”JYQX5FBN2ZDGHNMKPSRYX3TXHA”,”additional_properties”:”href”:”https://clark.com/credit-cards/ask-second-credit-card-benefits/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”type”:”interstitial_link”,”content”:”This article was originally published on Clark.com”,”url”:”https://clark.com/credit-cards/ask-second-credit-card-benefits/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”_id”:”GCHYUJPHBRCPVP3QYOJLNNHO7U”,”type”:”text”,”content”:”The post I Have One Major Credit Card Right Now. Should I Get Another One? appeared first on Clark Howard.”],”display_date”:”2021-02-24T15:00:49Z”,”headlines”:”basic”:”I Have One Major Credit Card Right Now. Should I Get Another One?”,”first_publish_date”:”2021-02-24T15:00:49Z”,”taxonomy”:{“sections”:[“path”:”/news/business”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”Business”,”description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”_id”:”/news/business”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”ComposerNav”:”/”,”site”:”section_comments_enabled”:”Yes”,”site_description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”site_title”:”Atlanta Business news and updates”,”navigation”:”nav_title”:”Business”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”Business”,”_id”:”/news/business”,”ancestors”:”default”:[“/”],”BottomNav”:[],”TopNavRedesign”:[“/”,”/news”],”SectionMap”:[“/”],”order”:”default”:2006,”TopNavRedesign”:2005,”SectionMap”:1031,”ComposerNav”:1107,”_website_section_id”:”ajc./news/business”,”type”:”section”,”version”:”0.6.0″],”primary_section”:”path”:”/news/business”,”name”:”Business”,”tags”:[“text”:”clark”]},”type”:”story”,”last_updated_date”:”2021-02-26T16:01:04.218Z”,”canonical_url”:”/news/i-have-one-major-credit-card-right-now-should-i-get-another-one/2L6OASO44ZFWZBQMKQERBEQRNI”,”promo_items”:”basic”:”width”:150,”type”:”image”,”url”:”https://cloudfront-us-east-1.images.arcpublishing.com/ajc/FW65JQ3WECXQ6HWSBBG2WCVDWA.png”,”height”:150,”_id”:”2L6OASO44ZFWZBQMKQERBEQRNI”},{“content_elements”:[“_id”:”6LXVZTKCDRD6XFCX3APS4JWGT4″,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”A late-afternoon burst of buying on Wall Street helped reverse most of a stock market sell-off Tuesday, nudging the S&P 500 to its first gain after a five-day losing streak.”,”_id”:”4CN4FYJK3REPLLAAW32IM57NPY”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”The benchmark index eked out a 0.1% gain after having been down more than 1.8% earlier. The Nasdaq lost 0.5% as technology stocks fell for a sixth straight day. The tech-heavy index had been down nearly 4%. The Dow Jones Industrial Average, which is less exposed to tech stocks than the two other indexes, managed to rise 0.1%.”,”_id”:”TJEUOZ7ZAFFD7MTDAT5CGNCPKA”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”» RETAIL INDUSTRY: Despite falling profits, Macy’s expects sales to climb in 2021“,”_id”:”PQDPPLXHBBAOLCNFAF5DKA5G7E”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Facebook, Disney, Netflix and other communications stocks helped drive the market’s comeback. Financial and energy companies also helped lift the market, outweighing losses in technology and other sectors. Bond yields held near their highest level in a year.”,”_id”:”FH5KW7E56ZDLLGPRSWNC7K4YDA”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Still, the main reason the market didn’t rack up bigger losses is the wave of selling in Big Tech stocks nearly reversed entirely as traders seized the opportunity to pick up shares in Apple, Microsoft, Amazon and other big gainers over the past year at a more attractive price. Tesla, which joined the S&P 500 at the end of last year, ended 2.2% lower after being down as much as 13.4%.”,”_id”:”KHKE6JK5FBG4FBLCFS443M5Y4Y”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”The S&P 500 index rose 4.87 points to 3,881.37. The Dow gained 15.66 points to 31,537.35. The Nasdaq lost 67.85 points to 13,465.20. The indexes were at all-time highs less than two weeks ago.”,”_id”:”MHO33XJS3ZC3RPEBNR4Q4ZFZXE”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Smaller company stocks fell more than the broader market. The Russell 2000 small-cap index slid 19.76 points, or 0.9%, to 2,231.21. The index, the biggest gainer so far this year, clawed back from a 3.6% slide.”,”_id”:”LZVL6ITB5RGGVFA43RMWL5VGSA”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Since the pandemic began, investors consistently pushed the prices of Big Tech stocks to stratospheric heights, betting that quarantined consumers would do most of their shopping online and spend more on devices and services for entertainment.”,”_id”:”WNHG5BRIW5BS7BL2WXMKAGPB7I”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”The bet mostly paid off, as big tech companies reported big profits last year. But the pandemic may be reaching its end stages, with millions of vaccines being administered each week in the U.S. and across the globe now. It may cause consumers to return to their pre-pandemic habits.”,”_id”:”J53TZG7Y7VDPZNDOKFR47P2AOE”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”By late afternoon, the tech sell-off nearly reversed itself. Apple slipped 0.1%, Microsoft fell 0.5%, and Amazon gained 0.4%. As traders turned to buying Tesla, rather than selling the stock, that also helped limit the S&P 500?s losses. The electric car maker is the second-most heavily weighted stock in the index’s consumer discretionary sector after Amazon.”,”_id”:”H2W4TLVGJFH63P2GEHOKRYGLRU”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Investors remain increasingly focused on a big tick up in bond yields and how it affects stock valuations. The yield on the 10-year Treasury note rose to 1.36%, continuing its quick climb up over the last few weeks.”,”_id”:”EIZCB5P52NEC5BPJCCHQFXIBLI”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”When bond yields rise, stock prices tend to be negatively impacted because investors turn an increasingly larger portion of their money toward the steadier stream of income that bonds provide.”,”_id”:”J27VBQUDTNDSZD22WQLUIVBY3Y”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”“If you have a 10-year (Treasury yield) which returns something, then all of a sudden you get this situation where investors may want more of a risk-free asset and rotate out of equities,” said Sylvia Jablonski, chief investment officer at Defiance ETFs.”,”_id”:”D3GFCKLAZVATBA7PZOT4DS4PXI”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”While eventually higher bond yields impact big dividend-paying stocks like consumer staples, utilities and real estate, they tend to impact stocks that have big valuations like technology stocks much earlier. Tech stocks tend to have higher-than-average price-to-earnings ratios, which values a stock on how much the company earns in in profits each year versus its stock price. The S&P 500 index is currently trading at a price-to-earnings ratio of 32, historically high by any measurement, while the price-to-earnings ratio of a company like Amazon is north of 75.”,”_id”:”PPAE3ENASRDYNN7G7RILIMPPVE”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Jablonski expects the sell-off in technology stocks will be short-lived, though she adds that a further increase in the 10-year Treasury yield could be “a different story.””,”_id”:”AX4V7JRHHNCMNEIVHZJYJLBGMU”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”“The 10-year was sort of the news of the week that took some of the fire out of equities, but I wouldn’t be surprised that investors looking for entry points are going to get back in at these levels,” she said. “Stocks still have a future that looks to me to be a lot brighter than the value investors are going to get if they convert to bonds.””,”_id”:”BQ2JHDMKS5GNTG647WWKBHEDCA”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”More broadly, investors remain focused on the future of global economies badly hit by COVID-19 and the potential for more stimulus to fix them. The U.S. House of Representatives is likely to vote on President Joe Biden’s proposed stimulus package by the end of the week. It would include $1,400 checks to most Americans, additional payments for children, and billions of dollars in aid to state and local governments as well as additional aid to businesses impacted by the pandemic.”,”_id”:”5FMRXP3JTVEXXI6OZEG5YFFKGE”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”The large amount of stimulus being pumped into the economy has given some investors pause, reviving worries about inflation that have been nearly nonexistent for more than a decade. That has been a factor in pushing bond yields higher.”,”_id”:”EJ5GNIYU75CITA3OF6G3M3N5BU”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”But Leslie Falconio, senior strategist at UBS Global Wealth Management, played down those concerns.”,”_id”:”TGE4IRDMBVEZTMXH5P5FLAQ4SQ”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”“Right now, this rise in yields, given the fact that financial conditions are still loose, is not a red flag,” she said. “As long as growth supports the rise in interest rates, then that’s not a concern.””,”_id”:”D6WPQVVAWBCQFAYIKZG4ATPXMY”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Federal Reserve Chair Jay Powell told Congress Tuesday the Fed didn’t see a need to alter its policy of keeping interest rates ultra-low, noting that the economic recovery “remains uneven and far from complete.””],”display_date”:”2021-02-23T22:54:02.823Z”,”headlines”:”basic”:”UPDATE: Late push on Wall Street reverses most of early slide “,”first_publish_date”:”2021-02-23T15:19:31.071Z”,”taxonomy”:{“sections”:[“path”:”/news/nation-world”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”National & World News”,”description”:”US and world news updates from the AJC”,”_id”:”/news/nation-world”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”TopNav”:”/news”,”ComposerNav”:”/”,”site”:”site_url”:””,”section_comments_enabled”:”Yes”,”site_description”:”US and world news updates from the AJC”,”site_title”:”National & World News”,”navigation”:”nav_title”:”National & World News”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”National & World News”,”Sponsor”:”sponsor_url_open_new_tab”:”true”,”sponsor_desktop_banner”:””,”sponsor_mobile_banner”:””,”sponsor_url”:””,”_id”:”/news/nation-world”,”ancestors”:”TopNavRedesign”:[“/”,”/news”],”SectionMap”:[“/”],”TopNav”:[“/news”],”order”:”default”:2017,”TopNavRedesign”:2011,”SectionMap”:1072,”TopNav”:2010,”ComposerNav”:1117,”_website_section_id”:”ajc./news/nation-world”,”type”:”section”,”version”:”0.6.0″,”path”:”/news/business”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”Business”,”description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”_id”:”/news/business”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”ComposerNav”:”/”,”site”:”section_comments_enabled”:”Yes”,”site_description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”site_title”:”Atlanta Business news and updates”,”navigation”:”nav_title”:”Business”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”Business”,”_id”:”/news/business”,”ancestors”:”default”:[“/”],”BottomNav”:[],”TopNavRedesign”:[“/”,”/news”],”SectionMap”:[“/”],”order”:”default”:2006,”TopNavRedesign”:2005,”SectionMap”:1031,”ComposerNav”:1107,”_website_section_id”:”ajc./news/business”,”type”:”section”,”version”:”0.6.0″,”path”:”/news”,”parent”:”default”:”/”,”_website”:”ajc”,”parent_id”:”/”,”name”:”News”,”description”:”Atlanta Georgia News main page: Breaking News, Atlanta Weather Forecast, Crime, Politics, GA Schools, Local Articles – Atlanta Journal-Constitution”,”_id”:”/news”,”additional_properties”:”original”:”parent”:”default”:”/”,”BottomNav”:null,”TopNavRedesign”:”/”,”SectionMap”:”/”,”LoggedOutMenu”:null,”TopNav”:”/”,”ComposerNav”:”/”,”site”:”site_url”:”/news/”,”section_comments_enabled”:”Yes”,”site_description”:”Atlanta Georgia News main page: Breaking News, Atlanta Weather Forecast, Crime, Politics, GA Schools, Local Articles – Atlanta Journal-Constitution”,”site_title”:”Atlanta GA News ,”navigation”:”nav_title”:”News”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”News”,”Sponsor”:”sponsor_url_open_new_tab”:”true”,”sponsor_desktop_banner”:””,”sponsor_mobile_banner”:””,”sponsor_url”:””,”_id”:”/news”,”ancestors”:”default”:[“/”],”BottomNav”:[],”TopNavRedesign”:[“/”],”SectionMap”:[“/”],”LoggedOutMenu”:[],”order”:”default”:1001,”TopNavRedesign”:1001,”SectionMap”:1015,”TopNav”:1001,”ComposerNav”:1162,”_website_section_id”:”ajc./news”,”type”:”section”,”version”:”0.6.0″],”tags”:[“text”:”ccd”,”text”:”ccd-ap”,”text”:”ccd-al”,”text”:”natworld.ajc”,”text”:”business”,”text”:”business-economy.ajc”],”primary_section”:”path”:”/news/business”,”name”:”Business”},”type”:”story”,”last_updated_date”:”2021-02-23T22:54:03.032Z”,”canonical_url”:”/news/nation-world/wall-street-dips-as-technology-companies-slump-again/DYPJPURSF5B6JAYUV4LLWZDPAQ/”,”promo_items”:”basic”:”promo_image”:”url”:”https://d1fegwn2wjh0cs.cloudfront.net/06-30-2020/t_5ccf907251d04b829c00bfef384f1f79_name_0250F1E6B0DB4C2D9EF65CD906809273.jpg”,”credits”:,”headlines”:”basic”:”Coronavirus fears have impacted stock market and interest rates”,”type”:”video”,”promo_items”:”basic”:”caption”:”Coronavirus fears have impacted stock market and interest rates”,”type”:”image”,”url”:”https://d1fegwn2wjh0cs.cloudfront.net/06-30-2020/t_5ccf907251d04b829c00bfef384f1f79_name_0250F1E6B0DB4C2D9EF65CD906809273.jpg”,”_id”:”DYPJPURSF5B6JAYUV4LLWZDPAQ”},{“content_elements”:[“_id”:”FZNBO7U4ZJE5BIUSW7YXA7C6NI”,”type”:”text”,”content”:”Clark recommends long-term investing and welcomes Marcus Invest from Goldman Sachs for small investors, akin to Wealthfront & Betterment. Also, PPE cost money and the charges are being passed on to you. Be aware when paying extra. Ask Clark topics include: Timeshares and Credit Cards.”,”_id”:”WULYHTAUFFDMNK6H45TV5HNGMY”,”type”:”text”,”content”:”Want more money advice? Sign up for Clark’s free daily newsletter!
nLearn more about your ad choices. Visit megaphone.fm/adchoices”,”_id”:”2M2LVHPUFFHOVMIUT3H4UANYAQ”,”additional_properties”:”href”:”https://clark.com/podcasts/02-23-21-a-new-way-to-invest-that-doesn-t-involve-buying-stocks-hyped-on-reddit-also-a-new-charge-is-appearing-on-bills-of-all-kinds-what-to-watch-for/”,”type”:”interstitial_link”,”content”:”Watch the video”,”url”:”https://clark.com/podcasts/02-23-21-a-new-way-to-invest-that-doesn-t-involve-buying-stocks-hyped-on-reddit-also-a-new-charge-is-appearing-on-bills-of-all-kinds-what-to-watch-for/”,”_id”:”KQVYZL6KGVAEDAJDNUUSGICVCM”,”additional_properties”:”href”:”https://clark.com/wp-content/uploads/2021/02/02.23.21-A-new-way-to-invest-that-doesnt-involve-buying-stocks-hyped-on-Reddit.-Also-a-new-charge-is-appearing-on-bills-of-all-kinds.-What-to-watch-for.-transcript.pdf”,”type”:”interstitial_link”,”content”:”Use this link to access a full transcript of this podcast episode. Please note: The transcription is not edited.”,”url”:”https://clark.com/wp-content/uploads/2021/02/02.23.21-A-new-way-to-invest-that-doesnt-involve-buying-stocks-hyped-on-Reddit.-Also-a-new-charge-is-appearing-on-bills-of-all-kinds.-What-to-watch-for.-transcript.pdf”,”_id”:”PWTHV5APGRA37NEQR67YDVTRZY”,”type”:”raw_html”,”content”:”

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“,”_id”:”JG3TD26LRRCNDORPK4QHEMTYNA”,”type”:”raw_html”,”content”:””,”_id”:”WOUWRVJ37VHFDJ2HNDN7NY5QCU”,”additional_properties”:”href”:”https://clark.com/podcasts/02-23-21-a-new-way-to-invest-that-doesn-t-involve-buying-stocks-hyped-on-reddit-also-a-new-charge-is-appearing-on-bills-of-all-kinds-what-to-watch-for/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”type”:”interstitial_link”,”content”:”This article was originally published on Clark.com”,”url”:”https://clark.com/podcasts/02-23-21-a-new-way-to-invest-that-doesn-t-involve-buying-stocks-hyped-on-reddit-also-a-new-charge-is-appearing-on-bills-of-all-kinds-what-to-watch-for/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”_id”:”6NSLMG3ZPNB3BGUV5QE5KBMHJI”,”type”:”text”,”content”:”The post 02.23.21 A new way to invest that doesn’t involve buying stocks hyped on Reddit. Also, a new charge is appearing on bills of all kinds. What to watch for. appeared first on Clark Howard.”],”display_date”:”2021-02-23T20:00:00Z”,”headlines”:”basic”:”02.23.21 A new way to invest that doesn’t involve buying stocks hyped on Reddit. Also, a new charge is appearing on bills of all kinds. What to watch for.”,”first_publish_date”:”2021-02-23T20:00:00Z”,”taxonomy”:{“sections”:[“path”:”/news/business”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”Business”,”description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”_id”:”/news/business”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”ComposerNav”:”/”,”site”:”section_comments_enabled”:”Yes”,”site_description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”site_title”:”Atlanta Business news and 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and sales also slipped nearly 19% as the coronavirus pandemic maintains a stranglehold on retail business across the nation.”,”_id”:”XNUNHVSA6VBWROZ3QJXLJ3HW7A”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614104090633,”type”:”text”,”content”:”Despite the sagging returns, the embattled department store appears to be weathering the unrelenting storm far better than anyone could have predicted.”,”_id”:”XHZEU2MREJH4BFCCVFWSXA4Y5Q”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614104090634,”type”:”text”,”content”:”»FROM JANUARY: 10,000 more retail stores expected to close under weight of pandemic“,”_id”:”DNPWGVRORRCDTOGYA3PNNCWLDI”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614098443339,”type”:”text”,”content”:”The retail giant still expects to rake in billions of dollars in sales this year, while losses were only expected to be a fraction of what analysts had previously forecast.”,”_id”:”7PB2RVWKBJBVLPTI7H63XV7IDE”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614104090636,”type”:”text”,”content”:”In a statement Tuesday, the chain said it anticipates 2021 will be “a recovery and rebuilding year as the company sets a foundation for growth.””,”_id”:”QFANZTIOHZDNTE6MY77JYJOS6E”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614098443340,”type”:”text”,”content”:”Shares rose more than 3% at the opening bell Tuesday on Wall Street with Macy’s predicting $20.75 billion in upcoming sales, exceeding the roughly $17 billion projected by economic analysts, according to The Associated Press.”,”owner”:”id”:”ajc”,”caption”:”Macy’s is reporting a 52% drop in fiscal fourth-quarter earnings ,while sales dropped nearly 19% as shoppers continue to stay away from many physical stores during the pandemic. “,”source”:”system”:”arc i/o”,”name”:”Associated Press Photo Stream”,”source_type”:”wires”,”source_id”:”5bc3e2a4a9424720a71ac7fe264864ab”,”additional_properties”:”editor”:”photo center”,”type”:”image”,”distributor”:”mode”:”reference”,”reference_id”:”425c44eb-5b03-4ce5-89fa-69e74b50003b”,”version”:”0.10.3″,”url”:”https://cloudfront-us-east-1.images.arcpublishing.com/ajc/X33XER5ENGLYV263R64GRX7JTU.jpg”,”licensable”:false,”credits”:”by”:[“name”:”Wilfredo Lee”,”type”:”author”],”subtitle”:”Macy’s outlook for 2021″,”width”:3966,”_id”:”X33XER5ENGLYV263R64GRX7JTU”,”additional_properties”:”fullSizeResizeUrl”:”/photo/resize/5uCNRwHqn4-WFktlIDDVdNpYf0E=/arc-anglerfish-arc2-prod-ajc/public/X33XER5ENGLYV263R64GRX7JTU.jpg”,”comments”:[],”proxyUrl”:”/photo/resize/5uCNRwHqn4-WFktlIDDVdNpYf0E=/arc-anglerfish-arc2-prod-ajc/public/X33XER5ENGLYV263R64GRX7JTU.jpg”,”originalUrl”:”https://cloudfront-us-east-1.images.arcpublishing.com/ajc/X33XER5ENGLYV263R64GRX7JTU.jpg”,”published”:true,”resizeUrl”:”http://thumbor-prod-us-east-1.photo.aws.arc.pub/5uCNRwHqn4-WFktlIDDVdNpYf0E=/arc-anglerfish-arc2-prod-ajc/public/X33XER5ENGLYV263R64GRX7JTU.jpg”,”expiration_date”:”2021-03-25T12:31:01Z”,”thumbnailResizeUrl”:”/resizer/vi3K75ZqevzXh0H8EckbjKRwu08=/300×0/arc-anglerfish-arc2-prod-ajc/public/X33XER5ENGLYV263R64GRX7JTU.jpg”,”version”:0,”originalName”:”5bc3e2a4a9424720a71ac7fe264864ab”,”mime_type”:”application/octet-stream”,”restricted”:false,”galleries”:[],”_id”:”3TXKOVG5DNHCND3KDXVVAXOD3I”,”created_date”:”2021-02-23T12:31:03Z”,”last_updated_date”:”2021-02-23T12:31:03Z”,”height”:2925,”_id”:”37WESNO77ZCD5MEC7KD45N3I74″,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614098443341,”type”:”text”,”content”:”For 2021, the company said its adjusted earnings per share would be in the range of 40 cents to 90 cents, far better than the $2.92 loss that had been predicted, according to FactSet.”,”_id”:”D2AR2RZY45AVVCDP2EHZXKHXU4″,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614098443343,”type”:”text”,”content”:”For the final fiscal quarter of the year that ended Jan. 30, Macy’s reported profits of $160 million, or 50 cents a share. It was 80 cents per share if one-time costs are considered, and that was also far better than the per-share forecasts of 11 cents from industry analysts, according to a survey by FactSet.”,”_id”:”TRAPT2D5UJGVTOWE6TDAPSDFSU”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614098443344,”type”:”text”,”content”:”Despite the for-better-or-worse outlook, the company is not out of the woods.”,”_id”:”OYJZWSJUERBW3OT2QFLE6ENS2Y”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614098443345,”type”:”text”,”content”:”Profits are still well below $340 million, or $1.09 per share, for the same period in 2019, the last before COVID-19 emptied retail stores nationwide. Since then, the New York-based company furloughed most of its employees.”,”_id”:”HU3HSMNRBNFTLDTNWJCHWVNOBA”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614098443346,”type”:”text”,”content”:”Macy’s began reopening stores last May, but the recovery has been painfully slow.”,”_id”:”ZGQ4U675CRA7XPSMESEMB3T3NQ”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614098443347,”type”:”text”,”content”:”Quarterly sales were $6.78 billion, also edging out analyst projections. The company said business was driven by the home, beauty, jewelry and watch categories, growth in online sales and by acquiring new customers.”,”_id”:”IX55ACA4TZHRXNUTCK6KHWOXPQ”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614098443348,”type”:”text”,”content”:”Sales at stores opened at least a year fell 17%, but online sales rose 21%. Elevated online sales may be here to stay. Macy’s said Tuesday that it expects digital sales to reach $10 billion within the next three years and that the online side will become even more profitable.”,”_id”:”DX66K762WJDRTL7DJF2UUWAVOU”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614098443349,”type”:”text”,”content”:”One market forecast from January predicted that as many as 10,000 stores could vanish from the retail landscape by the end of the year as the pandemic pushes more and more consumers to online shopping.”,”_id”:”HT3NMQYTNVAPLPCLRCS6LUTU2A”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614098443350,”type”:”text”,”content”:”The entire retail landscape also remains on edge.”,”_id”:”44ONXDFTTVFPDNMXBZF5J2N5WY”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614098443351,”type”:”text”,”content”:”Clothing and apparel accounted for the most stores closed in 2020.”,”_id”:”FYCLARH6EVCXNOOAEB35KTMWGM”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614098443352,”type”:”text”,”content”:”Since the start of the pandemic in March 2020, more than 3,000 stores that sell clothing, footwear and accessories have shuttered.”,”_id”:”FIFRVACNNRE4NMQIL3OIJK4KF4″,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614098443353,”type”:”text”,”content”:”Ascena Retail Group, owner of Ann Taylor and Lane Bryant, was particularly hard hit with more than 1,100 store locations wiped off the map, more than any other rival. By the end of 2021, Ascena will close another 195 brick-and-mortar stores, according to previous reporting.”,”_id”:”SPDGCTOSGZB6VM4YSNHLOSLIR4″,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614098443354,”type”:”text”,”content”:”During the last year, just about every sector of retail business has been touched in some way.”,”_id”:”IXGFQH2Z2RGHVB3RBD42WN2HAM”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614098443355,”type”:”text”,”content”:”The one positive sign in the Coresight research showed an uptick in business among discount retailers, which opened roughly 3,300 stores last year.”,”_id”:”EIXJ3WR22BHTHHFYGPFQ2KH6EQ”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614098443356,”type”:”text”,”content”:”Malls, where Macy’s once thrived, are also struggling mightily under the weight of the pandemic.”,”_id”:”CAOWIPFK45CZ5BW2IINT7G35RM”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614104090654,”type”:”text”,”content”:”»PREVIOUS COVERAGE: Macy’s to close 45 more stores as pandemic forces restructure“,”_id”:”3YM36RQKRRFLVBE44UPZOMBFOQ”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614098443357,”type”:”text”,”content”:”In early September, Macy’s announced it was planning to abandon its core position as an anchor tenant at some shopping malls around the country and move into smaller, standalone stores in an effort to regain footing.”,”_id”:”5U27XOZKJBCV5PZNNII7PWW3QM”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614098443358,”type”:”text”,”content”:”Big department stores such as Macy’s had always been a mainstay at malls as they lured retail traffic to smaller shops, kiosks and food courts, providing much-needed financial stability.”,”_id”:”TYOFUZBBN5FYTEKLA6ICUSS6CM”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614098443359,”type”:”text”,”content”:”But the pandemic crippled what had been a surefire business model as many shoppers bypassed malls in favor of buying online. High-end department stores in particular have struggled more than other retailers including Walmart and Target.”,”_id”:”DXHKSQQJMBHE3JLPPEK4HSQWII”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614098443360,”type”:”text”,”content”:”As millions of people have lost jobs or continue to work from home, the demand for clothing and apparel has all but vanished. Additionally, the rise of consignment and thrift stores — coupled with a dramatic surge in online shopping — has steered many consumers away from big stores.”,”_id”:”HXOQFKAAURE5BMPOTSWKS4PXWI”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614098443362,”type”:”text”,”content”:”Information provided by The Associated Press was used to supplement this report.“],”display_date”:”2021-02-23T16:59:15.904Z”,”headlines”:”basic”:”Despite falling profits, Macy’s expects sales to climb in 2021″,”first_publish_date”:”2021-02-23T16:59:15.904Z”,”taxonomy”:{“sections”:[“path”:”/news”,”parent”:”default”:”/”,”_website”:”ajc”,”parent_id”:”/”,”name”:”News”,”description”:”Atlanta Georgia News main page: Breaking News, Atlanta Weather Forecast, Crime, Politics, GA Schools, Local Articles – Atlanta Journal-Constitution”,”_id”:”/news”,”additional_properties”:”original”:”parent”:”default”:”/”,”BottomNav”:null,”TopNavRedesign”:”/”,”SectionMap”:”/”,”LoggedOutMenu”:null,”TopNav”:”/”,”ComposerNav”:”/”,”site”:”site_url”:”/news/”,”section_comments_enabled”:”Yes”,”site_description”:”Atlanta Georgia News main page: Breaking News, Atlanta Weather Forecast, Crime, Politics, GA Schools, Local Articles – Atlanta Journal-Constitution”,”site_title”:”Atlanta GA News ,”navigation”:”nav_title”:”News”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”News”,”Sponsor”:”sponsor_url_open_new_tab”:”true”,”sponsor_desktop_banner”:””,”sponsor_mobile_banner”:””,”sponsor_url”:””,”_id”:”/news”,”ancestors”:”default”:[“/”],”BottomNav”:[],”TopNavRedesign”:[“/”],”SectionMap”:[“/”],”LoggedOutMenu”:[],”order”:”default”:1001,”TopNavRedesign”:1001,”SectionMap”:1015,”TopNav”:1001,”ComposerNav”:1162,”_website_section_id”:”ajc./news”,”type”:”section”,”version”:”0.6.0″,”path”:”/news/nation-world”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”National & World News”,”description”:”US and world news updates from the AJC”,”_id”:”/news/nation-world”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”TopNav”:”/news”,”ComposerNav”:”/”,”site”:”site_url”:””,”section_comments_enabled”:”Yes”,”site_description”:”US and world news updates from the AJC”,”site_title”:”National & World News”,”navigation”:”nav_title”:”National & World News”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”National & World News”,”Sponsor”:”sponsor_url_open_new_tab”:”true”,”sponsor_desktop_banner”:””,”sponsor_mobile_banner”:””,”sponsor_url”:””,”_id”:”/news/nation-world”,”ancestors”:”TopNavRedesign”:[“/”,”/news”],”SectionMap”:[“/”],”TopNav”:[“/news”],”order”:”default”:2017,”TopNavRedesign”:2011,”SectionMap”:1072,”TopNav”:2010,”ComposerNav”:1117,”_website_section_id”:”ajc./news/nation-world”,”type”:”section”,”version”:”0.6.0″,”path”:”/news/business”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”Business”,”description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”_id”:”/news/business”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”ComposerNav”:”/”,”site”:”section_comments_enabled”:”Yes”,”site_description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”site_title”:”Atlanta Business news and updates”,”navigation”:”nav_title”:”Business”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”Business”,”_id”:”/news/business”,”ancestors”:”default”:[“/”],”BottomNav”:[],”TopNavRedesign”:[“/”,”/news”],”SectionMap”:[“/”],”order”:”default”:2006,”TopNavRedesign”:2005,”SectionMap”:1031,”ComposerNav”:1107,”_website_section_id”:”ajc./news/business”,”type”:”section”,”version”:”0.6.0″],”tags”:[“text”:”natworld.ajc”,”text”:”ccd”,”text”:”ccd-al”,”text”:”business”,”text”:”business-economy.ajc”],”primary_section”:”path”:”/news/business”,”name”:”Business”},”type”:”story”,”last_updated_date”:”2021-02-23T18:23:18.789Z”,”canonical_url”:”/news/despite-falling-profits-macys-expects-sales-to-climb-in-2021/2KKUQR3WWBD5VMETVXFU66DS3M/”,”promo_items”:”basic”:”promo_image”:”url”:”https://d1fegwn2wjh0cs.cloudfront.net/01-06-2021/t_6452414e27aa4a61b3263a7ec245b303_name_4c9804a1627340b599c3167ee1a18038.jpg”,”credits”:,”headlines”:”basic”:”Macy’s to close 45 more locations this year”,”type”:”video”,”promo_items”:”basic”:”type”:”image”,”url”:”https://d1fegwn2wjh0cs.cloudfront.net/01-06-2021/t_6452414e27aa4a61b3263a7ec245b303_name_4c9804a1627340b599c3167ee1a18038.jpg”,”_id”:”2KKUQR3WWBD5VMETVXFU66DS3M”},{“content_elements”:[“_id”:”QUNR3AQD45AHVDR45752C7KJTM”,”type”:”text”,”content”:”Taking control of your finances is one of the most empowering things you can do. But a lot of people have misconceptions about how their money should work for them.”,”_id”:”3GFT4CM2TZBTJEC32RLMLX4WGI”,”type”:”text”,”content”:”A recent financial literacy survey from LendingTree shows that 96% of Americans believe at least one money myth.”,”_id”:”POUDNTNANRB7LA2POBRFHSFDUQ”,”type”:”text”,”content”:”That figure is based on a survey of 1,550 Americans in January 2021.”,”level”:2,”_id”:”VUADT2LJUFDOBEOYKUOQN3I23Q”,”additional_properties”:”id”:”h-do-you-believe-any-of-these-money-myths”,”type”:”header”,”content”:”Do You Believe Any of These Money Myths?”,”_id”:”6JELWUXOKNEVNHLHJ2BJSRMQVI”,”type”:”text”,”content”:”The survey answers prove that many U.S. consumers have a lot to learn about their finances and how they work.”,”_id”:”EXE5NJFJW5HWTNZRHHTT2UUFOA”,”type”:”text”,”content”:”See if you agree with the financial myths listed below.”,”level”:2,”_id”:”6G6TJND4VVCBPFUN76POKMY7NI”,”additional_properties”:”id”:”h-myth-1-carrying-a-balance-on-your-credit-card-can-help-your-credit-score”,”type”:”header”,”content”:”Myth 1: Carrying a Balance on Your Credit Card Can Help Your Credit Score”,”list_type”:”unordered”,”_id”:”WMNU2IPJGNFDTH2W65LG772PS4″,”type”:”list”,”items”:[“_id”:”JWY4TXMB6BA6JI6GOOOHVXJG7Y”,”type”:”text”,”content”:”73% have heard this before”,”_id”:”NQFDCGL3ZNDWPJC4ODHYB7MUFA”,”type”:”text”,”content”:”45% think it’s true”],”_id”:”7DGG7L7JDVHQVH4HDN6DNKX45Q”,”type”:”text”,”content”:”While you always want to keep your balances low, a major part of maintaining a good credit score is paying off your credit card balances in full every month.”,”_id”:”2J2MWD7G3JEHLEFZ7O5GZ2CSCA”,”type”:”text”,”content”:”This is because payment history and how much debt you’re carrying make up more than two-thirds of your FICO score.”,”_id”:”GCVUPXJ5DNEBHH2EXGLF5YABRM”,”type”:”text”,”content”:”Resource: Common Credit Myths and Mistakes“,”level”:2,”_id”:”CJKULOZWOBBRZM7DUWWKSTMKRE”,”additional_properties”:”id”:”h-myth-2-it-s-bad-to-use-a-credit-card-you-should-always-use-a-debit-card-or-cash”,”type”:”header”,”content”:”Myth 2: It’s Bad to Use a Credit Card. You Should Always Use a Debit Card or Cash.”,”list_type”:”unordered”,”_id”:”7A5VWQR2A5G47DEUNJ5LJOUC2U”,”type”:”list”,”items”:[“_id”:”N3NPIMJ6BZDNLLUHSPDMPLQ3CY”,”type”:”text”,”content”:”69% have heard this before”,”_id”:”7XYQ5J2EPRFMRKLLBREPZZFCVY”,”type”:”text”,”content”:”31% think it’s true”],”_id”:”MP3AZD6XGNETTKJDR7K3VWM6MQ”,”type”:”text”,”content”:”Debit cards come with inherent security dangers that credit cards are fundamentally protected against.”,”_id”:”EIJ25WKZJBHF7EIHLIP7US6GBI”,”type”:”text”,”content”:”With credit cards, in the case of theft, there are protections in place that usually allow you to recoup your money. But if thieves use your debit card, that money’s typically gone.”,”_id”:”7JIZXRIX65BX3L3LQKPADKCNKQ”,”type”:”text”,”content”:”Clark’s Take: “Your checks start bouncing and, depending on your bank or credit union, the institution may not cover the bounced check charges that result from debit card fraud.””,”_id”:”K2FXMCIECNFEZN46P43XK3CRZU”,”type”:”text”,”content”:”Resource: Why You Should Never Use a Debit Card“,”level”:2,”_id”:”OCHW3RIOWFFIVIIJVV6BKMFIPY”,”additional_properties”:”id”:”h-myth-3-it-s-best-to-change-your-tax-withholding-to-0-so-your-paycheck-s-bigger”,”type”:”header”,”content”:”Myth 3: It’s Best To Change Your Tax Withholding to ‘0’ So Your Paycheck’s Bigger”,”list_type”:”unordered”,”_id”:”KRCGZQCJLFFR3FZ6QNDRPTKG7Q”,”type”:”list”,”items”:[“_id”:”JOQS73AG5FFK5FCGC55UW7XL64″,”type”:”text”,”content”:”65% have heard this before”,”_id”:”NN3ARJI55BHKFDC2C5RI6BQ7LQ”,”type”:”text”,”content”:”40% think it’s true”],”_id”:”ONMKMRD24JC75DMP2LAU6AHUDU”,”type”:”text”,”content”:”While we all can appreciate a bigger paycheck, many people choose to put “0” on their tax withholding to guarantee that they get a tax refund.”,”_id”:”UOZYVMGZLVH2ZAGQT5M6YDX3JE”,”type”:”text”,”content”:”But here’s why that may not be a sound financial strategy.”,”_id”:”CTHMFFQLZJCJ7A74GXISORU2OE”,”type”:”text”,”content”:”Clark’s Take: “I’d prefer that you get no refund at all,” Clark says. “If you are getting one, it means that you’ve made an interest-free loan to the government and your money has been working for them — not you — all year long.””,”_id”:”L642E5F6EFDINHXR5RTTUKYVMI”,”type”:”text”,”content”:”Here’s what Clark suggests you do instead: Let’s say you customarily get a $1,200 tax refund every year.”,”_id”:”IIZKDMZ4ZJC4HPXOLKZJV4VBTI”,”type”:”text”,”content”:”Take these three steps to make that money work for you:”,”list_type”:”ordered”,”_id”:”LWWRIRCPQRBFRCLQJKTOVJWIWA”,”type”:”list”,”items”:[“_id”:”BFPURZPJMJAEBFTIPGR6CTWZX4″,”type”:”text”,”content”:”Reduce the withholding from your paycheck by $100 a month.”,”_id”:”ANNN2XJKJFEGHEVMOD22JMRIIU”,”type”:”text”,”content”:”Take that amount and have it direct-deposited into a high-yield savings account.”,”_id”:”XLKW6UKKXZEQFCH6OPP3DAYEVU”,”type”:”text”,”content”:”Sit back and watch that money gain interest throughout the year.”],”_id”:”VF27GUF2YBEUBGXAPAG7RUDUGU”,”type”:”text”,”content”:”Resource: Why You Do Not Want To Get a Big Tax Refund“,”level”:2,”_id”:”EHGBELXO7RHFHGB5OFDVNZEKF4″,”additional_properties”:”id”:”h-myth-4-renting-is-a-waste-of-money”,”type”:”header”,”content”:”Myth 4: Renting Is a Waste of Money”,”list_type”:”unordered”,”_id”:”5KYR7QBS55EFPMP4VHUUVJKLAA”,”type”:”list”,”items”:[“_id”:”Q6UINW35T5DNNPIXPLEYPT2ENI”,”type”:”text”,”content”:”77% have heard this before”,”_id”:”UCHT3F6KOJGT5AU5QUKMHDNTZE”,”type”:”text”,”content”:”57% think it’s true”],”_id”:”Y7E6ZSO6XJE2JOVMN5S45BUD6I”,”type”:”text”,”content”:”While it’s true that rent money doesn’t appreciate no matter how long you stay in the apartment or home, tenant life can actually be part of a well-prepared financial strategy.”,”_id”:”2S6YQSXCCJDYPEN3ZMGFK3WLBQ”,”type”:”text”,”content”:”In fact, if you are of retirement age and thinking of moving to a more affordable city, Clark recommends renting.”,”_id”:”Z4FKCGKHUFDKTG5UEB4DBSZBBE”,”type”:”text”,”content”:”Clark’s Take: “One of my key rules is you should always rent first for six months, a year or even two years if you’re thinking about relocating for retirement. If it turns out that you don’t like it, at least you’re not all-in owning a home that you’ve now got to get rid of.””,”_id”:”R6QKB5WXDRCUHIMUK6CQCHXVB4″,”type”:”text”,”content”:”Resource: Money-Saving Tips for Renters“,”level”:2,”_id”:”CLSNRLR3JVDJLHTGWY2T7GBKOA”,”additional_properties”:”id”:”h-myth-5-you-shouldn-t-invest-until-you-re-debt-free”,”type”:”header”,”content”:”Myth 5: You Shouldn’t Invest Until You’re Debt-Free”,”list_type”:”unordered”,”_id”:”23L74JQRFJB23JQODEFBDP72CM”,”type”:”list”,”items”:[“_id”:”SVORIX5OMRGD3JNXP3BJS4RAPE”,”type”:”text”,”content”:”63% have heard this before”,”_id”:”EVJDC7NZM5BWNJYGZ2XVIUJQIY”,”type”:”text”,”content”:”42% think it’s true”],”_id”:”LUDXJSD2XZDHPM7LDT4ZA6VJAI”,”type”:”text”,”content”:”You definitely want to be in a good financial condition before you start investing your money, but that doesn’t mean you have to be 100% debt-free.”,”_id”:”PAET45XLPVCJ5K3UD2UTGT4IN4″,”type”:”text”,”content”:”Clark’s Take: “I disagree with the strategy of focusing solely on paying off other debts instead of having any savings,” Clark says. “I’ve always felt that you should try to do both at the same time, even if it means that you pay off your debt slower.””,”_id”:”JMAWFZHMWNEXXMRZCKAFEMTLCU”,”type”:”text”,”content”:”Resource: How To Save and Invest the Clark Howard Way“,”level”:2,”_id”:”I5PSVCDSCFGMLJGPY4PJUUX64A”,”additional_properties”:”id”:”h-myth-6-you-don-t-have-to-save-for-retirement-if-you-re-under-40″,”type”:”header”,”content”:”Myth 6: You Don’t Have To Save for Retirement if You’re Under 40″,”list_type”:”unordered”,”_id”:”6FTLAR3USNHTVNR7MJVVFAZYUI”,”type”:”list”,”items”:[“_id”:”UFOWFP2D7RCYZGO5UVB5TFWBHI”,”type”:”text”,”content”:”58% have heard this before”,”_id”:”5IQFLEDQTFFFLMGZDYJOE3YA34″,”type”:”text”,”content”:”21% think it’s true”],”_id”:”JGCJOJQI7ZDANLAXDMEQXSLMBI”,”type”:”text”,”content”:”When it comes to saving for retirement, the earlier the better.”,”_id”:”7HGCLMTKARHWPJFG6QKJ5NHLRE”,”type”:”text”,”content”:”Clark’s Take: “It can be easy to build some level of comfort and security into later life if you’ll just start saving early. But most people don’t start thinking about saving until they hit 40. If that’s you, it’s never too late to start saving.””,”_id”:”JTTZ4RWFOZDYRAC6R744IQGFT4″,”type”:”text”,”content”:”Resource: How to Start Investing and Saving for Retirement“,”_id”:”GWW4YN4LF5FEXLBBWUBA5PCNFA”,”additional_properties”:”rel”:[“noreferrer”,”noopener”],”href”:”https://www.lendingtree.com/personal/financial-literacy-survey/”,”target”:”_blank”,”type”:”interstitial_link”,”content”:”Read the complete financial literacy survey from LendingTree.”,”url”:”https://www.lendingtree.com/personal/financial-literacy-survey/”,”level”:2,”_id”:”S5QXRDPJFNH2LJVJZRNSJAOR2M”,”additional_properties”:”id”:”h-final-thoughts”,”type”:”header”,”content”:”Final Thoughts”,”_id”:”PMZ3RLFBZBGJBCML7UARBQ2ZGE”,”type”:”text”,”content”:”Clark is adamant that saving money is the best way to prepare for your financial future. The way to do that is by setting a financial goal.”,”_id”:”L2H2ITWA7FDHXBGRBRKVZGRBEY”,”type”:”text”,”content”:”“It’s like when someone says, ‘You know, I really should be saving money,’ and they’re guilt-tripping themselves. Let’s say that they make enough money and they should be saving money, but they’re not: They’re not going to change their behavior unless they have a goal. So you have to set a goal.””,”level”:3,”_id”:”OXXO74JBPBHQ5CFMNI3LPR5WDI”,”additional_properties”:”id”:”h-more-money-resources-from-clark-com”,”type”:”header”,”content”:”More Money Resources From Clark.com:”,”list_type”:”unordered”,”_id”:”UOAP6F7X55E7DNFGGRPUD6XXE4″,”type”:”list”,”items”:[“_id”:”HL6I4PQN2BBDDC27XWVPRCPJJA”,”type”:”text”,”content”:”The #1 Mistake People Make When Switching Cell Phone Carriers“,”_id”:”IXMDTW4YONE2TKMI4OOWY255WY”,”type”:”text”,”content”:”The #1 Mistake That Can Hurt Your Credit Score“,”_id”:”AFFTGCOSOBGLBMHHFCB6UPXBK4″,”type”:”text”,”content”:”The Biggest Mistake People Make When Opening an Investment Account“],”_id”:”TMTQAIQHL5B7VAN3PZLER3ZSH4″,”type”:”raw_html”,”content”:”

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“,”_id”:”DFF4DMSNOZA3LN5J4YGQVB7X5U”,”type”:”raw_html”,”content”:””,”_id”:”QATLAMFWLJFM7NEMJ4Q347LCA4″,”additional_properties”:”href”:”https://clark.com/cell-phones/t-mobile-magenta-max/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”type”:”interstitial_link”,”content”:”This article was originally published on Clark.com”,”url”:”https://clark.com/cell-phones/t-mobile-magenta-max/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”_id”:”ISNF6S7AT5EW5BXDOEO2DJKGIE”,”type”:”text”,”content”:”The post T-Mobile Is Launching a New Unlimited Plan This Week appeared first on Clark Howard.”],”display_date”:”2021-02-23T13:30:00Z”,”headlines”:”basic”:”T-Mobile Is Launching a New Unlimited Plan This Week”,”first_publish_date”:”2021-02-23T13:30:00Z”,”taxonomy”:{“sections”:[“path”:”/news/business”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”Business”,”description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”_id”:”/news/business”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”ComposerNav”:”/”,”site”:”section_comments_enabled”:”Yes”,”site_description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”site_title”:”Atlanta Business news and updates”,”navigation”:”nav_title”:”Business”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”Business”,”_id”:”/news/business”,”ancestors”:”default”:[“/”],”BottomNav”:[],”TopNavRedesign”:[“/”,”/news”],”SectionMap”:[“/”],”order”:”default”:2006,”TopNavRedesign”:2005,”SectionMap”:1031,”ComposerNav”:1107,”_website_section_id”:”ajc./news/business”,”type”:”section”,”version”:”0.6.0″],”primary_section”:”path”:”/news/business”,”name”:”Business”,”tags”:[“text”:”clark”]},”type”:”story”,”last_updated_date”:”2021-02-24T13:30:53.202Z”,”canonical_url”:”/news/t-mobile-is-launching-a-new-unlimited-plan-this-week/NS3QIESL45DQVHYPGQPN7TBVGA”,”promo_items”:”basic”:”width”:150,”type”:”image”,”url”:”https://cloudfront-us-east-1.images.arcpublishing.com/ajc/YIMTOSY6YFLRGP53PI7VX32SNM.jpg”,”height”:150,”_id”:”NS3QIESL45DQVHYPGQPN7TBVGA”},{“content_elements”:[“_id”:”7REFOMXPCVBRHCZ2KBZT5RXGQQ”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”A sell-off in technology companies led stocks on Wall Street mostly lower Monday, adding to the market’s losses from last week.”,”_id”:”RU2JW44B2FCBTIUIHLTQ7ORMFI”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”The S&P 500 fell 0.8%, extending its losses to a fifth straight day. The benchmark index was just about evenly split between winners and losers, but technology stocks and companies that rely on consumer spending bore the brunt of the selling. Apple fell 3%, Microsoft dropped 2.7%, Tesla slumped 8.5% and Amazon lost 2.1%.”,”_id”:”XYYYI5PLR5C2PDCI5K7B3X4C54″,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”The tech-heavy Nasdaq composite slid 2.5%, while the Dow Jones Industrial Average eked out a tiny gain, as solid gains by companies like Disney, Exxon Mobil and Chevron helped offset the drag by some of the Big Tech companies.”,”_id”:”VYE5WTELYVDJDAKXJGQAQ6SAOU”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Stocks began shedding some of their gains last week after a strong start to February as rising interest rates and the potential for inflation down the road dampened some of Wall Street’s enthusiasm, though the major stock indexes remain near their all-time highs.”,”_id”:”XKT4ZY3EBVFJDL7BE2NFVJUGKU”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”“Equity investors are finally paying attention to the bond market,” said Mike Zigmont, director of trading and research at Harvest Volatility Management. “With yields climbing, there are a lot of jitters in the equity space.””,”_id”:”3CM62KNEVFDNFNGF6QAAXOFWSE”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”The S&P 500 fell 30.21 points to 3,876.50. The Dow gained 27.37 points, or 0.1%, to 31,521.69. The Nasdaq lost 341.41 points to 13,533.05. The Russell 2000 index of smaller companies gave up 15.62 points, or 0.7%, to 2,251.07.”,”_id”:”RQEXZSAV55AZTK5N5NSIGVFSME”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Investors remain focused on the future of global economies badly hit by COVID-19 and the potential for more stimulus to fix them. The U.S. House of Representatives is likely to vote on President Joe Biden’s proposed stimulus package by the end of the week. It would include $1,400 checks to most Americans, additional payments for children, and billions of dollars in aid to state and local governments as well as additional aid to businesses impacted by the pandemic.”,”_id”:”IY43NBUAZBCJFCHVLK3JNWXFDE”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”But the large amount of stimulus being pumped into the economy has given some investors pause as worries of inflation have reentered the market after being nonexistent for more than a decade. Yields on U.S. Treasury bonds and notes have risen in the last several weeks as investors have predicted more inflation would come with the economic recovery.”,”_id”:”ASFIVY3OYZC3FNMN7HXLOHFLVI”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”“There are some risks out there,” said Gary Schlossberg, global strategist at Wells Fargo Investment Institute. “The issue is are we just normalizing back to where we were before the pandemic or are we talking about a sea change.””,”_id”:”DRTRUBVWJREMHAUTOWKFTHNCTA”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”The yield on the 10-year Treasury rose to 1.36% from 1.34% late Friday and has been rising steadily throughout the year. The higher yields have helped lift banks, which rely on higher yields to charge more lucrative interest rates on loans. Morgan Stanley rose 1.8%.”,”_id”:”57ZIFW2GJJEANF75TUVFVV4EDI”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Technology stocks accounted for the biggest share of the selling. The sector, which powered much of the market’s gains in 2020, posted its fifth straight loss. That pullback helped drag down the Nasdaq, while the Dow, which isn’t as heavily weighted with tech stocks, rose.”,”_id”:”226YOB5MNBAQNGW66TRPQLBLCQ”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Tech stocks have enjoyed big gains throughout the pandemic, as investors bet that consumers spending more time at home would increasingly rely on mobile devices, PCs, video streaming and other technology products and services. But as the number of new coronavirus cases has declined recently after a sharp spike late last year and more people get vaccinated, investors are beginning to snap up stocks in areas of the market that are expected to do better in a post-pandemic economy.”,”_id”:”OMFWUGP2LNGSNHZCJ3PUA6NIYQ”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”“They parked in technology as a temporary place for their capital while the pandemic raged, and now they’re looking to go back to their pre-COVID asset allocation,” Zigmont said.”,”_id”:”5WUTMWY6EFGUTCQ7YJYCCOTWNU”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Airlines, which have been battered by the virus pandemic, rose after Deutsche Bank upgraded its view on the sector and the potential for recovery as COVID-19 cases fall and vaccination rates increase. American Airlines jumped 9.4%, while Delta rose 4.5% and United Airlines gained 3.5%.”,”_id”:”2MBVBHW5E5FPZDYGKJUP52TUCE”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Traders continued to bid up shares in energy companies, which are getting a boost from higher energy prices. The sector have risen four out of the last five days. Exxon Mobil rose 3.7%.”,”_id”:”3EQ4ORZW65C7HED6MWC7LUVAZE”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”The price of crude U.S. crude oil rose 3.8% to $61.49 a barrel. It’s now up 27% for the year.”,”_id”:”TR3SCKA37BGMLDVAEM6FWNROOI”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Brent crude, the international standard, rose 3.7% to $65.24 a barrel, and is up 26% this year. Goldman Sachs predicted in a research note that the price of Brent crude would reach $70 by the second quarter.”,”_id”:”I3VHHNYWUBEB7DX7WW6ZRUPW3A”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”The price of Bitcoin, which moved above $50,000 for the first time early last week, dropped 6.2% to $53,765 Monday, according to the currency brokerage Coinbase. The slide followed a tweet late Friday by Elon Musk in which the Tesla CEO said the price of Bitcoin and another cryptocurrency, Etherium, “seem high.” Earlier this month, Tesla announced that it was buying $1.5 billion in Bitcoin as part of a new investment strategy, and that it would soon be accepting Bitcoin as payment for its cars.”],”display_date”:”2021-02-22T23:42:59.444Z”,”headlines”:”basic”:”Weakness in Big Tech stocks extends Wall Street losses”,”first_publish_date”:”2021-02-22T15:22:05.933Z”,”taxonomy”:{“sections”:[“path”:”/news/nation-world”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”National & World News”,”description”:”US and world news updates from the AJC”,”_id”:”/news/nation-world”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”TopNav”:”/news”,”ComposerNav”:”/”,”site”:”site_url”:””,”section_comments_enabled”:”Yes”,”site_description”:”US and world news updates from the 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,”navigation”:”nav_title”:”News”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”News”,”Sponsor”:”sponsor_url_open_new_tab”:”true”,”sponsor_desktop_banner”:””,”sponsor_mobile_banner”:””,”sponsor_url”:””,”_id”:”/news”,”ancestors”:”default”:[“/”],”BottomNav”:[],”TopNavRedesign”:[“/”],”SectionMap”:[“/”],”LoggedOutMenu”:[],”order”:”default”:1001,”TopNavRedesign”:1001,”SectionMap”:1015,”TopNav”:1001,”ComposerNav”:1162,”_website_section_id”:”ajc./news”,”type”:”section”,”version”:”0.6.0″],”tags”:[“text”:”ccd”,”text”:”ccd-ap”,”text”:”ccd-al”,”text”:”natworld.ajc”,”text”:”business”,”text”:”business-economy.ajc”],”primary_section”:”path”:”/news/business”,”name”:”Business”},”type”:”story”,”last_updated_date”:”2021-02-22T23:42:59.630Z”,”canonical_url”:”/news/nation-world/a-sluggish-open-for-wall-street-due-to-boeing-issues/PG7SEF4RURFXRM5QPRUEOHLSOM/”,”promo_items”:”basic”:”promo_image”:”url”:”https://d1fegwn2wjh0cs.cloudfront.net/06-30-2020/t_5ccf907251d04b829c00bfef384f1f79_name_0250F1E6B0DB4C2D9EF65CD906809273.jpg”,”credits”:,”headlines”:”basic”:”Coronavirus fears have impacted stock market and interest rates”,”type”:”video”,”promo_items”:”basic”:”caption”:”Coronavirus fears have impacted stock market and interest rates”,”type”:”image”,”url”:”https://d1fegwn2wjh0cs.cloudfront.net/06-30-2020/t_5ccf907251d04b829c00bfef384f1f79_name_0250F1E6B0DB4C2D9EF65CD906809273.jpg”,”_id”:”PG7SEF4RURFXRM5QPRUEOHLSOM”},{“content_elements”:[“_id”:”FDQRYT5OE5FYPBHYWZYKPMHEFM”,”type”:”text”,”content”:”How Ford’s new Blue Advantage car buying program stacks up to CarMax & Carvana and why now isn’t the time to buy a new vehicle. / Verizon’s discounter Visible has an improved plan that could save you major money. 6 Things to Know Before You Sign Up for Visible – Clark Howard
nQuestion topics include: Canadian savings accounts, 10 Ways to Save on Prescription Drugs – Clark Howard, the Bumped app has changed, Why You Should Never Sign Up for Overdraft Protection – Clark Howard.”,”_id”:”EGPJELTAUZACDN5WYM4CQSJN7Q”,”type”:”text”,”content”:”Want more money advice? Sign up for Clark’s free daily newsletter!
nLearn more about your ad choices. Visit megaphone.fm/adchoices”,”_id”:”IAPQOHY76NALTIXURMTQGCSJKM”,”additional_properties”:”href”:”https://clark.com/podcasts/02-22-21-car-buyer-update-for-new-and-used-vehiciles-a-stand-out-cell-phone-plan/”,”type”:”interstitial_link”,”content”:”Watch the video”,”url”:”https://clark.com/podcasts/02-22-21-car-buyer-update-for-new-and-used-vehiciles-a-stand-out-cell-phone-plan/”,”_id”:”TUHWIDORVZFO5JBCQ6SV6MKMUQ”,”additional_properties”:”href”:”https://clark.com/wp-content/uploads/2021/02/02.22.21-Car-buyer-update-for-new-and-used-vehiciles-_-A-stand-out-cell-phone-plan-transcript.pdf”,”type”:”interstitial_link”,”content”:”Use this link to access a full transcript of this podcast episode. Please note: The transcription is not edited.”,”url”:”https://clark.com/wp-content/uploads/2021/02/02.22.21-Car-buyer-update-for-new-and-used-vehiciles-_-A-stand-out-cell-phone-plan-transcript.pdf”,”_id”:”BRY3MUHGSBB7BF6HEJNYBKXSHY”,”type”:”raw_html”,”content”:”

“,”_id”:”RZCEUIUE55DWPNIZQ2EXVBX6DM”,”type”:”raw_html”,”content”:”

“,”_id”:”I7UEKFI3NNC2ZB7DNCEUNTGZLA”,”type”:”raw_html”,”content”:””,”_id”:”YJSQRT5G6JDTBLFEWGFAFPL5P4″,”additional_properties”:”href”:”https://clark.com/podcasts/02-22-21-car-buyer-update-for-new-and-used-vehiciles-a-stand-out-cell-phone-plan/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”type”:”interstitial_link”,”content”:”This article was originally published on Clark.com”,”url”:”https://clark.com/podcasts/02-22-21-car-buyer-update-for-new-and-used-vehiciles-a-stand-out-cell-phone-plan/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”_id”:”PI62REZ2G5CTRG5EWXQUC43LMA”,”type”:”text”,”content”:”The post 02.22.21 Car buyer update for new and used vehiciles / A stand out cell phone plan appeared first on Clark Howard.”],”display_date”:”2021-02-22T20:00:00Z”,”headlines”:”basic”:”02.22.21 Car buyer update for new and used vehiciles / A stand out cell phone plan”,”first_publish_date”:”2021-02-22T20:00:00Z”,”taxonomy”:{“sections”:[“path”:”/news/business”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”Business”,”description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”_id”:”/news/business”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”ComposerNav”:”/”,”site”:”section_comments_enabled”:”Yes”,”site_description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”site_title”:”Atlanta Business news and updates”,”navigation”:”nav_title”:”Business”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”Business”,”_id”:”/news/business”,”ancestors”:”default”:[“/”],”BottomNav”:[],”TopNavRedesign”:[“/”,”/news”],”SectionMap”:[“/”],”order”:”default”:2006,”TopNavRedesign”:2005,”SectionMap”:1031,”ComposerNav”:1107,”_website_section_id”:”ajc./news/business”,”type”:”section”,”version”:”0.6.0″],”primary_section”:”path”:”/news/business”,”name”:”Business”,”tags”:[“text”:”clark”]},”type”:”story”,”last_updated_date”:”2021-02-26T22:11:11.804Z”,”canonical_url”:”/news/02-22-21-car-buyer-update-for-new-and-used-vehiciles-a-stand-out-cell-phone-plan/JGFNNFTWDNHJ5D4R34XAUFV2VQ”,”_id”:”JGFNNFTWDNHJ5D4R34XAUFV2VQ”},{“content_elements”:[“_id”:”K6FCJPIMYZGPZAOZL3E2JN6LT4″,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614017967044,”type”:”text”,”content”:”Shares of Ebix Inc. took a beating Monday as investors reacted to last week’s news that an accounting firm had raised questions about the Johns Creek-based company’s financial reporting.”,”_id”:”O7NTMRDSQZALBM72KZ3X657ORA”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614017967045,”type”:”text”,”content”:”The software company, which is traded on the Nasdaq exchange, lost more than 50% of its value in early trading, before a modest rebound.”,”_id”:”DOPZN3IYQVCUJEGRVH6AHKQPGI”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614017967046,”type”:”text”,”content”:”Ebix closed at $50.79 a share Friday. Shares plummeted to $25.20 as trading opened Monday. By early afternoon, Ebix had risen to just above $30 a share.”,”_id”:”GNOKXLJGRZFS7ADQ6NIORPPFHY”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614017967047,”type”:”text”,”content”:”The accounting company, Chicago-based RSM, told Ebix Feb. 15 that it did not have the information needed to be sure that certain “unusual transactions” that occurred late last year had been properly accounted for and disclosed, according to filings with the Securities and Exchange Commission. Those transactions involved the company’s gift card business in India.”,”_id”:”X44BIYRI5VD3FHOAICDBT7VGQE”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614017967048,”type”:”text”,”content”:”However, Ebix released a statement Monday asserting that “the company’s financial health is in better shape than ever.””,”_id”:”FU5RJRQI5ZFZDDHGIHD524JZPY”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614020499775,”type”:”text”,”content”:”“The Company continues to generate strong cash flows,” the statement said, and “is not aware of any wrongdoing in any manner.””,”_id”:”X44BIYRI5VD3FHOAICDBT7VGQE”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614017967048,”type”:”text”,”content”:”Officials at Ebix did not respond to The Atlanta Journal-Constitution’s request for further comment Monday.”,”_id”:”MRLIQY6HHRBY7OLRZB2L6EHZV4″,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614017967049,”type”:”text”,”content”:”Last year, a large travel company in India broke off a pending merger agreement with Ebix, charging Ebix with breaching the terms of the deal.”,”_id”:”IXOJ6TJ3HRHXNBWCFMQPX7ZCGU”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614017967052,”type”:”text”,”content”:”In early 2019, the company faced questions about a shareholder connected to the company unloading nearly $1 million in stock just before the firm changed auditors. The shift in auditors sent Ebix shares down 20% in a day and the timing of the sale raised questions of insider trading, legal experts told The Atlanta Journal-Constitution at the time.”,”_id”:”I2ZHTZAVQVCMHG22TEPFNGFF2I”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614017967053,”type”:”text”,”content”:”In the fourth quarter of 2014, Ebix had to pay $1.4 million following an IRS audit of the company’s income tax returns.”,”_id”:”VRTUIKUGGZH6XD5F2LFLRWAG54″,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1614017967054,”type”:”text”,”content”:”The current situation has drawn the interest of several law firms that handle securities cases. 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news”,”text”:”atlanta-news-metro.ajc”,”text”:”economy”],”primary_section”:”path”:”/news/business”,”name”:”Business”},”type”:”story”,”last_updated_date”:”2021-02-22T19:06:45.718Z”,”canonical_url”:”/ajcjobs/shares-of-ebix-plunge-after-accounting-firm-raises-questions/GNY6FHBBZJD7FCSGG6ASKVBPBY/”,”promo_items”:”basic”:”credits”:”by”:[“name”:”JOHNNY EDWARDS / JREDWARDS@AJC.COM”,”type”:”author”,”byline”:”JOHNNY EDWARDS / JREDWARDS@AJC.COM”],”subtitle”:”Accountant quits, Ebix stock plummets”,”width”:2048,”caption”:”Ebix, based in Johns Creek, is a worldwide fintech company that sells software to the insurance, financial, healthcare and e-learning industries. Many of the company’s employees are in India. JOHNNY EDWARDS / JREDWARDS@AJC.COM”,”type”:”image”,”url”:”https://cloudfront-us-east-1.images.arcpublishing.com/ajc/VON3FMQB3FNXHXGA44GSFHAY7Q.jpg”,”height”:1536,”_id”:”GNY6FHBBZJD7FCSGG6ASKVBPBY”},{“content_elements”:[“_id”:”UMSGJZZRSNHGDDOJYDCDEGAXHI”,”type”:”text”,”content”:”If you’re looking for financial advice, you may come across the term “fiduciary financial advisor.””,”_id”:”YPCI2PGKVZAX7DE36UDW4KFAO4″,”type”:”text”,”content”:”What is a fiduciary? And how do you know if a financial advisor holds that designation?”,”_id”:”Q7GGI45NZVEERJLEUQFOCAN7UY”,”type”:”text”,”content”:”In this article, I’ll explain why you want a fiduciary financial advisor and help you understand the standards that fiduciaries are legally required to uphold.”,”level”:3,”_id”:”3JFKYFK2CRD3RDHZAD5E2FGCMI”,”additional_properties”:”id”:”h-table-of-contents”,”type”:”header”,”content”:”Table of Contents”,”list_type”:”unordered”,”_id”:”Y7PBYM6UYVAAPFQUDM6EG6BIBI”,”type”:”list”,”items”:[“_id”:”HGNL3XS6AFESDMPEPLLDXUQ3JQ”,”type”:”text”,”content”:”Why You Need a Fiduciary Financial Advisor“,”_id”:”GVD7SCMZ6RAVDMOKRHFRQGO2C4″,”type”:”text”,”content”:”What Is a Fiduciary?“,”_id”:”XRWOGBXLENCNFMCOKAFDJK7RYY”,”type”:”text”,”content”:”What Is Fiduciary Duty?“,”_id”:”NAG34GJOMNC7ZKSBFZ6KDGCQMA”,”type”:”text”,”content”:”Fiduciary Standard vs. Suitability Standard“,”_id”:”L5NLQDUNUBERVHBCLETVLLOR4I”,”type”:”text”,”content”:”How To Know if a Financial Advisor Is a Fiduciary“,”_id”:”MZUFJGUHHFER5HSTJPFA677FUI”,”type”:”text”,”content”:”Compensation Models for Financial Advisors“,”_id”:”N6X45N7PEFDBHJQN3I3ZHDXFOU”,”type”:”text”,”content”:”What Is Regulation Best Interest?“,”_id”:”FZ2IVSB3JJCAXNCAJ2TR2XLQI4″,”type”:”text”,”content”:”Is a Robo-Advisor a Fiduciary?“,”_id”:”7RKDKX735NBSNHSC53YCFGUV5Y”,”type”:”text”,”content”:”Do I Need a Financial Advisor?“],”level”:2,”_id”:”KRROMZ45S5H35IZBL7K7EUTSV4″,”additional_properties”:”id”:”h-why-you-need-a-fiduciary-financial-advisor”,”type”:”header”,”content”:”Why You Need a Fiduciary Financial Advisor”,”_id”:”X4GR5UECINHFFOIOCPXKDYHTVA”,”type”:”text”,”content”:”Money expert Clark Howard wants people to do business only with financial advisors who are fee-only fiduciaries. Learn more about what that means and how to find a fee-only fiduciary later in this article.”,”_id”:”2M2GGRHYYJB7ZCJGCUGKCOHPOY”,”type”:”text”,”content”:”A fiduciary financial advisor is a person or a company that’s legally required to put your interests first.”,”_id”:”NJ3HWHE3IFCGVMEW3KHDUZX37Q”,”type”:”text”,”content”:”Believe it or not, some people (often called brokers) are allowed to recommend investment products that will line their pockets even if there are better options for you.”,”_id”:”ZPLPX7N7ZBDZLKIPQMELGOISZI”,”type”:”text”,”content”:”In what some would call the needlessly complicated world of financial advisors, it’s not enough to know the definition of a fiduciary. That’s because “fee-based” fiduciaries can still earn commission by selling you investment products.”,”_id”:”H3I3D4YKNNDE3PTRKIMOKW67RY”,”type”:”text”,”content”:”If you want to hire a financial advisor who absolutely must do what’s best for you and can’t make any money via commission, you’ll need to go with a fee-only fiduciary financial advisor.”,”_id”:”PTRVBRF7N5FGLHHVAOBO64JQ5Y”,”additional_properties”:”class”:[“wp-block-mcb-clark-quote”],”type”:”raw_html”,”content”:”

“The time I want somebody to hire a commissioned salesperson or a traditional stockbroker to handle their investments is never, never, never, not ever,” Clark says.

“The danger to you is so great when you hire someone who’s not a fiduciary, who’s not legally bound to put your interests first, that it’s like going in reverse with investing.”

“,”level”:2,”_id”:”SQENS5IA4RHARMWUCXKJT7MR6Q”,”additional_properties”:”id”:”h-what-is-a-fiduciary”,”type”:”header”,”content”:”What Is a Fiduciary?”,”_id”:”WCGQVA2PCZBZLCW2H7GU7F6ZAA”,”type”:”text”,”content”:”A fiduciary is a person or legal entity that has the power to act on behalf of someone (often called a “beneficiary”).”,”_id”:”F5TH5GR2UZFZTGHF6EP3MVKE6U”,”type”:”text”,”content”:”Fiduciaries are legally obligated to act in the best interests of their beneficiaries. They must avoid or disclose conflicts of interest. They also must prioritize what’s best for their beneficiaries over their own interests.”,”_id”:”NPNQKZJ4WNAL5DVYCYFWPD4EQM”,”type”:”text”,”content”:”The concept of a fiduciary isn’t limited to investment advice. Some other examples of fiduciary relationships include:”,”list_type”:”unordered”,”_id”:”PKOQDNHNWNDDTOHPFJO4DAVQPE”,”type”:”list”,”items”:[“_id”:”XTVTALEYWJCKFJP6ATLUV2V4ZQ”,”type”:”text”,”content”:”Lawyers and clients”,”_id”:”4WLD4ROK6BDPZN6FAXWTDBLVVQ”,”type”:”text”,”content”:”Doctors and patients”,”_id”:”FWSL5RMW6NEHXGQYV7DMGD7JDI”,”type”:”text”,”content”:”Chief Executive Officers (CEOs) and shareholders”,”_id”:”FDXRCQ7IJFAWLFGY244D7YBRJA”,”type”:”text”,”content”:”Legal guardians and children”],”level”:2,”_id”:”JDWTYQFHGVADXI3OVSU2ZD2K7A”,”additional_properties”:”id”:”h-what-is-fiduciary-duty”,”type”:”header”,”content”:”What Is Fiduciary Duty?”,”_id”:”7AKXED2QRFASBABJVMX3RG4WMM”,”type”:”text”,”content”:”A fiduciary financial advisor must uphold a fiduciary duty to you. That fiduciary duty legally protects you as a client.”,”_id”:”D6LOGC3UVBGIFGSMVHPEQKBR2M”,”type”:”text”,”content”:”A doctor can’t legally sell you a drug that isn’t best for your condition just because they get a commission from the drug company. According to the law, neither can a fiduciary financial advisor buy and sell investment products on your behalf that aren’t good choices for you.”,”_id”:”4JODS5OUHBHDFFWLOOOOSJ2WIA”,”type”:”text”,”content”:”Financial advisors provide a range of services. A client’s relationship with a financial advisor can be ongoing or it can be a one-time consultation.”,”_id”:”4FOU6JGVXNGATGEOQV5JFOYHXI”,”type”:”text”,”content”:”Regardless, fiduciary financial advisors can’t do these things:”,”list_type”:”unordered”,”_id”:”CRPNTYTMIVCKPOZTVUNYH7YHT4″,”type”:”list”,”items”:[“_id”:”G5ZAZ26NXBB5DK4JQWQQ6YOU3I”,”type”:”text”,”content”:”Place their own financial interests above yours”,”_id”:”AAFHWZPBWVAVHE2GHAZWJ2G3EY”,”type”:”text”,”content”:”Make trades in order to earn commissions, whether or not it costs you more in fees or whether or not you need to buy and sell”,”_id”:”F33LVNL54BGRHOJZDO6IAWRAX4″,”type”:”text”,”content”:”Fail to disclose or avoid conflicts of interest”,”_id”:”OZTFZDEEJNEMZIYB4SNPHAGRXE”,”type”:”text”,”content”:”Provide financial advice that isn’t in your best interests based on your stated goals”,”_id”:”HNEEXH37YJCDTNMYDEYS4JQADM”,”type”:”text”,”content”:”Fail to seek the best possible execution for you on transactions (such as the price when buying stock)”,”_id”:”ECPMHJRIFJFATPCQEZYBKXM734″,”type”:”text”,”content”:”Neglect to continue to provide advice and monitoring if you’re paying them on an ongoing basis”],”level”:2,”_id”:”JY555RR7WFGVNPO7J6PARU7ZLM”,”additional_properties”:”id”:”h-fiduciary-standard-vs-suitability-standard”,”type”:”header”,”content”:”Fiduciary Standard vs. Suitability Standard”,”_id”:”2R7KYXEC7JAQFA5PNU67ZRZWVU”,”type”:”text”,”content”:”Financial advisors, sometimes called wealth managers or financial planners, can be divided into two main categories: fiduciaries (or “Registered Investment Advisors”) and broker-dealers.”,”_id”:”QMYIUVN5ERDJLDADE3EDKI4LNA”,”type”:”text”,”content”:”A fiduciary financial advisor is subject to the Investment Advisers Act of 1940. That federal legislation requires fiduciaries to register with the Securities and Exchange Commission (SEC) or at least with the state in which they do business, depending on how much money they manage.”,”_id”:”5CQZJLXXBVBKXJYGM4CMSXF4LU”,”type”:”text”,”content”:”The Investment Advisers Act also stipulates the legal requirements that fiduciaries must follow.”,”_id”:”ZX6IUX3GKBBCHPVDP7HYA3EKIU”,”type”:”text”,”content”:”The second category of financial advisors, broker-dealers, are people or companies that buy and sell securities such as stock on behalf of their customers.”,”_id”:”TG6NWPQYUNBXJB7P6TQZXLMAEE”,”type”:”text”,”content”:”The negative view of broker-dealers says they’re just salespeople or order takers. Some of them are independent and offer a large selection of products and services. However, some broker-dealers work for specific companies and make commission when they get people to buy.”,”_id”:”NHQWPOWVRFBCBNVZBNJSREKJIM”,”type”:”text”,”content”:”The Financial Industry Regulatory Authority (FINRA), regulates broker-dealers. (It’s a private nonprofit corporation that’s authorized by the SEC.) FINRA requires broker-dealers to have “a reasonable basis to believe” that the products they recommend are suitable for their clients. In practice, that’s a much lower standard than the one that fiduciary financial advisors must meet.”,”_id”:”TSQPLJSRN5H2DLQX3EQ3XAUV54″,”type”:”text”,”content”:”Historically, broker-dealers weren’t required to put your interests over their own or even avoid conflicts of interest. There’s an ongoing legal back-and-forth that has created a stronger standard for broker-dealers, although it’s unclear whether that will last.”,”_id”:”MT37GSIPZ5EYHJDMFSDMYNJ4GY”,”type”:”text”,”content”:”Prior to this new development, there was legal room for a broker-dealer to recommend a product that earned them a higher commission but wasn’t necessarily the best for you as long as the investment was “suitable.””,”level”:2,”_id”:”SM4NP2EJGVARHBEC3AHSZQDBHM”,”additional_properties”:”id”:”h-how-to-know-if-a-financial-advisor-is-a-fiduciary”,”type”:”header”,”content”:”How To Know if a Financial Advisor Is a Fiduciary”,”_id”:”D6T5YEUM5ZBHNDMKUVNQRJ6NKQ”,”type”:”text”,”content”:”It’s much more difficult than it should be to verify that a financial advisor is a fiduciary.”,”_id”:”K226767FVNHH5CIJGZGP7F5FSM”,”type”:”text”,”content”:”Fiduciaries and non-fiduciaries have gotten into legal battles about who gets to call themselves financial “advisors.” Sometimes it can be unclear whether someone is a fiduciary or a broker-dealer.”,”_id”:”4FPKUVFMW5BNRM2YWS37CEB7DM”,”type”:”text”,”content”:”“There are a number of professional designations now that are a series of initials that people think makes somebody a safe zone for them to invest with,” Clark says.”,”_id”:”7FHGQWIEXBF7PFE43KMB2FJBE4″,”type”:”text”,”content”:”“But the reality is, if they’re not legally bound via fiduciary, it’s a no-go. Because the danger is that they recommend stuff that makes them money at your expense.””,”_id”:”Q5Z76CDQFJC3NFQ3DXJ322CAXE”,”type”:”text”,”content”:”One way to make sure that you’re working with a fiduciary is to work only with a Certified Financial Planner (CFP). That’s an earned designation that, among other things, requires being a fiduciary. You can verify whether someone is a CFP on the CFP Board website.”,”_id”:”Y3TQJLTRMJHG5JRQ64P3SKMSVU”,”type”:”text”,”content”:”You can also look for a financial advisor near you through the Garrett Planning Network, which requires its advisors to be fiduciaries.”,”_id”:”2XXFQU3JJBF5RPBSZKIQ4G4NCM”,”type”:”text”,”content”:”Usually, you can start to figure out whether someone is a fiduciary financial advisor by asking them how they get compensated. You can ask them how they get paid and whether they make money through commissions.”,”level”:2,”_id”:”EAYEXKOB7BBIPDR6RM3AX3RXOA”,”additional_properties”:”id”:”h-compensation-models-for-financial-advisors”,”type”:”header”,”content”:”Compensation Models for Financial Advisors”,”_id”:”HPL5QDRP7NCXJLQILKDORJAOWM”,”type”:”text”,”content”:”Clark strongly recommends that you work only with fee-only fiduciary financial advisors.”,”_id”:”V2QCD6JIVFGPBP5BZMHML6YGMI”,”type”:”text”,”content”:”Fee-only fiduciaries get paid in one of three ways:”,”list_type”:”unordered”,”_id”:”SUR26PZS2BEGBOW3QO3F2A6EEU”,”type”:”list”,”items”:[“_id”:”MO5M6R2GPFD2LCAERGWTNBUO7Q”,”type”:”text”,”content”:”Annual fee expressed as a percentage of assets under management (AUM)”,”_id”:”J77DXTJHNZCQZI72TBTRWXQHUM”,”type”:”text”,”content”:”Flat hourly rate”,”_id”:”SKMR4BSE2ZHELHFHKIX6Q7XRRA”,”type”:”text”,”content”:”Per-service basis”],”_id”:”LXCKBYUZPBGZFOVPGKYS2YYTVY”,”type”:”text”,”content”:”Fee-only advisors have no financial incentive to put you into investments and products that benefit them. Their compensation is independent of the investments they recommend to you.”,”_id”:”3WTLNNZSYJHIDIGT5AKYNR2MF4″,”type”:”text”,”content”:”In fact, they may be incentivized to ensure your portfolio performs as well as possible. The more your assets grow, the more money they may make, especially if they charge a percentage of AUM. (Most financial advisors base your annual fee on your AUM at the beginning of each year.)”,”_id”:”5FHQ5EGSDFAUBDITG7MEZJQ5MM”,”type”:”text”,”content”:”Fiduciary financial advisors are required to provide their services on a fee-only or fee-based basis. Even though the terms are similar, there’s an important distinction. An advisor who gets paid through one of the three fee models I listed above and receives a commission on sales is considered to be fee-based.”,”_id”:”DCRHDTZFHBA3LOVTGHR47COQHM”,”type”:”text”,”content”:”As long as a fee-based financial advisor discloses any conflict of interest, it’s possible for him or her to be a fiduciary and still earn commissions. Those disclosures can be in fine print that some people are unlikely to read.”,”_id”:”IP4FK73SENBAJKMZLCAO6ZCXVI”,”type”:”text”,”content”:”That’s why Clark says to always work with fee-only fiduciaries.”,”_id”:”4R64HMDRCBG4BBDQE67MWSVA5E”,”type”:”text”,”content”:”Broker-dealers can be compensated on commission or per transaction. Historically, they’ve had to meet the suitability standard, but it’s legally possible for them to provide investment advice that isn’t the best for you. They may earn more money by getting you to complete more transactions or invest in products they’re paid to sell.”,”level”:2,”_id”:”VTQ2PTFYP5F5PDNB2NSYPFEFBU”,”additional_properties”:”id”:”h-what-is-regulation-best-interest”,”type”:”header”,”content”:”What Is Regulation Best Interest?”,”_id”:”E5ZRRXG6ZBFQBHBS7E3NT3DT6M”,”type”:”text”,”content”:”Approved in 2019 and effective as of June 30, 2020, Regulation Best Interest — or “Reg. BI” — is an SEC rule under the Securities Exchange Act of 1934.”,”_id”:”A3JIRY7DUNDYRPRZRAO2GAUZJQ”,”type”:”text”,”content”:”It requires broker-dealers to recommend only those investments in their clients’ best interests, which is a higher standard than FINRA’s “suitable” rule. (Remember, broker-dealers tend to be commission-based.)”,”_id”:”DSPLEECFXRB6LALXE5U6RGZE4A”,”type”:”text”,”content”:”“Reg. BI” is a fairly demanding law, at least on paper. It includes language requiring investments to be in the best interest of the client “at the time the recommendation is made, without placing the financial or other interest of the broker-dealer ahead of the interests of the retail customer.””,”_id”:”EJFKHQW33ZHAPDQ4WCMTOCLYXI”,”type”:”text”,”content”:”However, there appear to be some loopholes in the law. In the end, it may serve only to muddy the waters for customers not equipped to figure out the small but significant differences between advisors.”,”_id”:”7M6TPZRAXJE5JPEGLV7OVBODKA”,”type”:”text”,”content”:”As of February 2021, it isn’t clear what stance that President Joe Biden will take on this legislation. Some are hoping he replaces it with an even stricter law, while others think Reg. BI goes too far.”,”_id”:”GFTUS7W5XNFDJHQTX4UVJZ54DM”,”type”:”text”,”content”:”“Why not just require people who advise you on your money to be fiduciaries, period? That’s what they should be doing,” Clark says.”,”_id”:”P3WGPGDVEFELJDJCN3PQPUY7IA”,”type”:”text”,”content”:”There are also ongoing negotiations involving the U.S. Department of Labor rule that regulates fiduciary financial advisors under the Investment Advisors Act of 1940. It’s a reasonable expectation that the federal language and rules may change, but you are doing all you can to protect your investments if you follow Clark’s advice and (let’s say it one more time) work only with a fee-only fiduciary financial advisor.”,”level”:2,”_id”:”W243RJAUGZEE5G3XCGRWLJSTSA”,”additional_properties”:”id”:”h-is-a-robo-advisor-a-fiduciary”,”type”:”header”,”content”:”Is a Robo-Advisor a Fiduciary?”,”_id”:”WVHFOSDIBJG53OQAAAZ7KZHBCM”,”type”:”text”,”content”:”Many robo-advisors are legally registered as fiduciaries.”,”_id”:”B5UZGDUMCBBHDFEFVD5DZW7YIA”,”type”:”text”,”content”:”New technology usually raises questions about how the old rules apply. That’s true with the fiduciary designation and robo-advisors.”,”_id”:”QBRQWVPI2NF7BDZXIFG6OAP3RU”,”type”:”text”,”content”:”Let’s back up for a second. In case you aren’t familiar, robo-advisors are algorithms that invest your money in pre-built, diversified portfolios based on things like risk tolerance, age and income.”,”_id”:”3CETCGP4BFHIRJLRDXJG5S4QWY”,”type”:”text”,”content”:”A number of robo-advisors are registered as investment advisors with the SEC. However, robo-advisors are limited in scope. They provide investment guidance. But they generally don’t offer retirement planning, debt management, tax strategy and estate planning, which are common to full-service financial advisors.”,”_id”:”YKTXS7N52ZHELH4QPDUAIENXAM”,”type”:”text”,”content”:”Some have questioned whether the fiduciary designation should apply to limited-scope auto-investing.”,”level”:2,”_id”:”TFWJAG22C5CDJOOQU3JWKCI26U”,”additional_properties”:”id”:”h-do-i-need-a-financial-advisor”,”type”:”header”,”content”:”Do I Need a Financial Advisor?”,”_id”:”PRDLBTWLYFBU3IWP6FH2GQ7ORM”,”type”:”text”,”content”:”With all this talk about fiduciary financial advisors, it’s easy to forget that not everyone actually needs a financial advisor at all.”,”_id”:”RGIHIYLRXJAI3NZSEPYEUZJ5X4″,”type”:”text”,”content”:”If you’re 20+ years away from retirement and/or you don’t have enough money invested to start determining your retirement and estate plans, you most likely don’t need a financial advisor — at least not on an ongoing basis.”,”_id”:”DBTPWCDMNJG5PNVJR3AXACTO4Q”,”type”:”text”,”content”:”Clark says the most important thing, if you’re in the “accumulation” phase of saving and investing, is to get used to putting money into the market. Get more of Clark’s tips on how to start investing here.”,”_id”:”65AFPBUNQJBXPCQLY6JB5NT3PI”,”type”:”text”,”content”:”Still not sure whether you need a financial advisor, a robo-advisor or if you should manage your own investment portfolio? Read this for an even more detailed answer to this question.”,”level”:2,”_id”:”BMGKDJ5X6ZFJPPKN5QAPIMNMOM”,”additional_properties”:”id”:”h-final-thoughts”,”type”:”header”,”content”:”Final Thoughts”,”_id”:”NIQ7TTKHVFCADHKI2A2THR4CGE”,”type”:”text”,”content”:”Keeping track of the latest legal nuances for financial advisors isn’t in the cards for most people.”,”_id”:”AZ4WBM2ES5E27G3QTNZZCJ5GZE”,”type”:”text”,”content”:”That’s why it’s important to work only with fiduciary financial advisors — preferably fee-only Certified Financial Planners. That way you know that your financial advisor will be legally required to put your interests above their own and won’t be incentivized to sell you any specific products.”,”_id”:”V5BNK75BQFHNJKM2N4RBM2HZTM”,”type”:”text”,”content”:”If you’re trusting someone with your money, and important life milestones like retirement, make sure that person is obligated to work in your best interests.”,”level”:3,”_id”:”LRQELH42SNAIFGXIMM3LWZFPG4″,”additional_properties”:”id”:”h-more-clark-com-content-you-may-like”,”type”:”header”,”content”:”More Clark.com Content You May Like:”,”list_type”:”unordered”,”_id”:”B6O4RHRVSZFUVLNEPQDEFSITAY”,”type”:”list”,”items”:[“_id”:”UYPAXKQBIREIFFPSQ6YJFDIPCY”,”type”:”text”,”content”:”What Is a Financial Advisor and Do I Need One?“,”_id”:”EKTB6F5ZOFH2DAX5OCKEZGRZZE”,”type”:”text”,”content”:”Investing: Self-Directed vs. Robo-Advisor vs. Financial Advisor“,”_id”:”WJN4W4STPFGCZBULVQ627EJI5E”,”type”:”text”,”content”:”How To Save and Invest the Clark Howard Way“,”_id”:”2LJVKLSFYRE7TCSH63NXPECIJQ”,”type”:”text”,”content”:”Who Should Use a Robo-Advisor?“],”_id”:”Z65YF32CLJGS3CSW74FE6743SM”,”type”:”raw_html”,”content”:”

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“,”_id”:”XWNJCNGR5BAC3AUVQO5JKNHCEY”,”type”:”raw_html”,”content”:””,”_id”:”KFBLVFQWLBCA3HYSPF55NNWNVI”,”additional_properties”:”href”:”https://clark.com/personal-finance-credit/investing-retirement/fiduciary-financial-advisor/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”type”:”interstitial_link”,”content”:”This article was originally published on Clark.com”,”url”:”https://clark.com/personal-finance-credit/investing-retirement/fiduciary-financial-advisor/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”_id”:”55RAA2EIA5BTDLU2EGKMR6472I”,”type”:”text”,”content”:”The post What Is a Fiduciary Financial Advisor and Do I Need One? appeared first on Clark Howard.”],”display_date”:”2021-02-22T18:11:41Z”,”headlines”:”basic”:”What Is a Fiduciary Financial Advisor and Do I Need One?”,”first_publish_date”:”2021-02-22T18:11:41Z”,”taxonomy”:{“sections”:[“path”:”/news/business”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”Business”,”description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”_id”:”/news/business”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”ComposerNav”:”/”,”site”:”section_comments_enabled”:”Yes”,”site_description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”site_title”:”Atlanta Business news and 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options of services like HBO Max?”,”_id”:”RF3IS6SRJVBQPH6LIB5SYRL6NE”,”type”:”text”,”content”:”The good news for you is that the popular live streaming TV service just unveiled a new “Entertainment Plus” bundle that may be worth exploring.”,”level”:2,”_id”:”2DMEV42Y6BA7NEVTFENC6VF4SE”,”additional_properties”:”id”:”h-details-on-youtube-tv-s-new-entertainment-plus-bundle”,”type”:”header”,”content”:”Details on YouTube TV’s New “Entertainment Plus” Bundle”,”_id”:”FUZNCSC4LZH3ZESTN2QJI2LMTM”,”type”:”text”,”content”:”YouTube TV users can now subscribe to three premium services for an additional $29.99 per month.”,”_id”:”2N462OCMZBAKRI57KDIR6N5M4A”,”type”:”text”,”content”:”The new Entertainment Plus Bundle includes access to HBO Max, Showtime and Starz.”,”owner”:”id”:”ajc”,”address”:,”src”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/image-5.png?resize=387%2C241&ssl=1″,”source”:”system”:”arc i/o”,”name”:”Clark Howard”,”edit_url”:”https://ajc.arcpublishing.com/photo/PVCFFAOQZKWV64KMF27ZXOMWZ4″,”source_type”:”wires”,”source_id”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/image-5.png?resize=387%2C241&ssl=1″,”additional_properties”:”editor”:”photo center”,”type”:”image”,”distributor”:”mode”:”reference”,”reference_id”:”19e74e53-bba3-4c5d-a445-1a2a4a7cd2fe”,”version”:”0.10.3″,”url”:”https://cloudfront-us-east-1.images.arcpublishing.com/ajc/PVCFFAOQZKWV64KMF27ZXOMWZ4.png”,”licensable”:false,”width”:387,”_id”:”PVCFFAOQZKWV64KMF27ZXOMWZ4″,”additional_properties”:”fullSizeResizeUrl”:”/photo/resize/Dkm4smqqNGgip5CnWuhLNwMh3yE=/arc-anglerfish-arc2-prod-ajc/public/PVCFFAOQZKWV64KMF27ZXOMWZ4.png”,”originalName”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/image-5.png?resize=387%2C241&ssl=1″,”mime_type”:”image/png”,”proxyUrl”:”/photo/resize/Dkm4smqqNGgip5CnWuhLNwMh3yE=/arc-anglerfish-arc2-prod-ajc/public/PVCFFAOQZKWV64KMF27ZXOMWZ4.png”,”restricted”:false,”galleries”:[],”originalUrl”:”https://cloudfront-us-east-1.images.arcpublishing.com/ajc/PVCFFAOQZKWV64KMF27ZXOMWZ4.png”,”published”:true,”resizeUrl”:”http://thumbor-prod-us-east-1.photo.aws.arc.pub/Dkm4smqqNGgip5CnWuhLNwMh3yE=/arc-anglerfish-arc2-prod-ajc/public/PVCFFAOQZKWV64KMF27ZXOMWZ4.png”,”expiration_date”:”2021-03-25T15:05:51Z”,”thumbnailResizeUrl”:”/resizer/BVXAvP1dd2nq0QVKAlnNh8rLS4w=/300×0/arc-anglerfish-arc2-prod-ajc/public/PVCFFAOQZKWV64KMF27ZXOMWZ4.png”,”version”:1,”created_date”:”2021-02-23T15:05:51Z”,”last_updated_date”:”2021-02-23T15:05:52Z”,”height”:241,”_id”:”K3LWXODIYVHMHK2I6NQWCKZZKQ”,”type”:”text”,”content”:”This add-on service is a charge in addition to YouTube TV’s monthly subscription fee, which has crept up from $35 to $65 in the last few years.”,”_id”:”G34JBL3RWZBPZL624DLR3DJDAY”,”type”:”text”,”content”:”If you subscribed to all three separately as add-on services with YouTube TV, they would cost approximately $34.99.”,”_id”:”2XDXWZWRM5FKBADDHYFOHVJYOM”,”type”:”text”,”content”:”This package will save you $5 per month over subscribing to all three independently.”,”level”:2,”_id”:”AX3ZWEARHVH57CT2ZBSXKZHUEU”,”additional_properties”:”id”:”h-what-you-re-getting-with-hbo-max-showtime-and-starz-subscriptions”,”type”:”header”,”content”:”What You’re Getting with HBO Max, Showtime and Starz Subscriptions”,”_id”:”E4SCZ57CJZA2FEB7G4VSWBNQFA”,”type”:”text”,”content”:”If you’re not already a fan on these three premium streaming add-ons, let’s take a quick look at what each offers:”,”level”:2,”_id”:”RLQPAFKA7RHAPNIHX4LO5DQTZU”,”additional_properties”:”id”:”h-hbo-max”,”type”:”header”,”content”:”HBO Max”,”_id”:”H74TLKM67RCDFJ3G4WG4XZAEAQ”,”type”:”text”,”content”:”This is the headliner in this bundle. With a normal monthly price of $14.99, HBO Max debuted in 2020 as AT&T and WarnerMedia’s answer to competing with on-demand streaming giants like Netflix, Hulu and Disney+.”,”_id”:”7DMLOKDVCBF63AFBBOZNXDQVQY”,”type”:”text”,”content”:”That’s one of the most expensive non-live video streaming services on the market, so it better be good, right?”,”_id”:”JNNBJI3VEJFOLP4NE2WIJXQV3M”,”type”:”text”,”content”:”HBO Max delivers with the complete library of HBO originals like The Sopranos, Game of Thrones, Boardwalk Empire and more.”,”_id”:”T3Y44UXUAVDM7L6P3OZAYXNI4E”,”type”:”text”,”content”:”But it also has exclusive streaming rights to major television hits such as Friends and The Big Bang Theory.”,”_id”:”IWQOHJSEG5E75EB2NYEKFNEWJY”,”type”:”text”,”content”:”It also has Max Originals, which includes DC Superheroes content.”,”_id”:”XSU3HOVRSZE57MKRNP7QWRDZME”,”type”:”text”,”content”:”And, in 2021, you’re getting access to Warner Bros. new film releases on the same day that they debut in theaters.”,”_id”:”S4IAQDPHV5BT3MWENMD5GUZVFU”,”type”:”text”,”content”:”You can read our in-depth review of the HBO Max service here.”,”level”:2,”_id”:”6Y3I5LIU3VDQ5D2LY4V2FQ646Q”,”additional_properties”:”id”:”h-showtime”,”type”:”header”,”content”:”Showtime”,”_id”:”XF7FK6FDQZAR3D3Q7U4T6SQMME”,”type”:”text”,”content”:”If HBO is the Batman of premium TV addons, we sould probably consider Showtime as Robin. For a long time, Showtime has been viewed as HBO’s premium TV sidekick.”,”_id”:”AATJVISZTJAO5GNGIPNBN5VEMY”,”type”:”text”,”content”:”So in that way, it makes sense that this new entertainment bundle would include the marquee streaming product for each.”,”_id”:”2JP45XHLYZFODGTVB26BLEO53Q”,”type”:”text”,”content”:”This service is not quite as good as HBO Max, but it does have some qualities that make it worth consideration:”,”level”:4,”_id”:”7HDG6ITRBFFFDMEIBZGBIJSSPA”,”additional_properties”:”id”:”h-top-hits-on-showtime”,”type”:”header”,”content”:”Top Hits on Showtime”,”list_type”:”unordered”,”_id”:”Z7JLCKK3DJCD3F4GHKVPTPQONY”,”type”:”list”,”items”:[“_id”:”C2SMRG4SURE35OPTT5OFIVVZKA”,”type”:”text”,”content”:”Billions (Paul Giamatti and Damian Lewis)”,”_id”:”BW6GI7H4HNEVZNMSCRRRVU7KU4″,”type”:”text”,”content”:”Dexter (Michael C. Hall)”,”_id”:”MNRMYNXKPBCQZP5DL76UIYSVCE”,”type”:”text”,”content”:”Homeland (Claire Danes)”,”_id”:”25WT2WTXS5BF7FQGJUAINWEASA”,”type”:”text”,”content”:”Your Honor (Bryan Cranston)”,”_id”:”OZI2SWVGDRDXNAWTC4VXA5BDHA”,”type”:”text”,”content”:”Shameless (William H. Macy)”,”_id”:”42DABZTX5ZGRPDMGJGQDY5EEII”,”type”:”text”,”content”:”The Good Lord Bird (Ethan Hawke)”],”level”:2,”_id”:”ZVKBK7TINVHKZO5WNAMGSWV2MQ”,”additional_properties”:”id”:”h-starz”,”type”:”header”,”content”:”Starz”,”_id”:”6LLTPDTABRE4PP2E6AYSYRY7QA”,”type”:”text”,”content”:”Another longtime cable TV favorite is included in this bundle.”,”_id”:”5ID7Y7327RE2LCOS23FDMLWCX4″,”type”:”text”,”content”:”Starz is known for its extensive on-demand library of movies, but it also features some original television series that may be worth checking out.”,”_id”:”O3Y3JOLXXFEU7IJOMJGRIV3B2U”,”type”:”text”,”content”:”Some of the top exclusive content options include:”,”list_type”:”unordered”,”_id”:”VMP22KBXT5E2BMH3J46YIMGH6Q”,”type”:”list”,”items”:[“_id”:”CCHQOEZXKZHOBNBI6TPDCCCKGI”,”type”:”text”,”content”:”Outlander”,”_id”:”FKP76CNPN5H3NFOG2BNIIPD2AQ”,”type”:”text”,”content”:”Men in Kilts”,”_id”:”LYLHZ2QOYNDG7L3OY6CWHEKYGU”,”type”:”text”,”content”:”American Gods”,”_id”:”GRXHEPNKIBBGVJFQXYFYTIZXGU”,”type”:”text”,”content”:”The Luminaries”,”_id”:”CYB2PL4GNNGXLKTULNOKITVOGA”,”type”:”text”,”content”:”Power”],”level”:2,”_id”:”QW3SA4ZSGNBAPEPNCMPFKVXIUU”,”additional_properties”:”id”:”h-final-thoughts”,”type”:”header”,”content”:”Final Thoughts”,”_id”:”WUNSVEPTKBDHFMCCYMAUAVQZZI”,”type”:”text”,”content”:”Before you make your final decision on this offer, here are some things to consider:”,”level”:3,”_id”:”FWJWUWLXFRGMBK5VBQUCDJ54CA”,”additional_properties”:”id”:”h-if-you-re-unsure-try-free-trials-first”,”type”:”header”,”content”:”If You’re Unsure, Try Free Trials First”,”_id”:”XFZVIBOVXVFLBOPUM6TS347DQ4″,”type”:”text”,”content”:”Let’s be honest: A $29.99 monthly commitment is a pretty big deal.”,”_id”:”2U3POHBLEZGLXB3YHTXT3D2SL4″,”type”:”text”,”content”:”Especially when you’re adding it on to an already steep $65 monthly charge for YouTube TV.”,”_id”:”2UW5WCDOQBCODI23TO2NSEOSUI”,”type”:”text”,”content”:”So I poked around the services and found that you may be able to test drive each of these services before committing to this monthly add-on fee.”,”_id”:”F34OIHUBZRGZXAGVSYQOYEF3HQ”,”type”:”text”,”content”:”According to YouTube TV’s menu, there are free trials available for all three services in this bundle.”,”_id”:”A6AL7N2S3BDQDBEY57WDTTXNPE”,”type”:”text”,”content”:”You may be able to find an even longer free trial period by shopping with the streaming services directly:”,”level”:3,”_id”:”TUO7UKYSMBBV7CPF5AIG5J4DEU”,”additional_properties”:”id”:”h-using-direct-offers-makes-things-cheaper-for-the-first-6-months”,”type”:”header”,”content”:”Using Direct Offers Makes Things Cheaper For the First 6 Months”,”_id”:”2FBMW4CEOZCGRE3WGEPNF4KN5A”,”type”:”text”,”content”:”During my research, I came across welcome offers for all three services included in the bundle.”,”_id”:”HIJ6KBQXGZC63FWZX7K5MJVKY4″,”type”:”text”,”content”:”If you’ve never been a customer of any of them, there’s a good chance that you could actually save more money by doing business with them directly for the first six months.”,”_id”:”E6QDW5KJGRGBTLHQJGWIUX2KHA”,”type”:”text”,”content”:”As mentioned in the table above, HBO Max is offering a 20% discount for a six month commitment, Showtime is offering a free month and Starz is offering six months at $5 each.”,”_id”:”QUIJ2OGVOND2VAH5XBYQZVYG7Q”,”type”:”text”,”content”:”Here’s how it works out after doing the math:”,”_id”:”G7PDSOJ37RDBTMWIJMOOWECSVY”,”type”:”text”,”content”:”It’s worth noting that you can cancel any of these services at any time whether they’re connected to your YouTube TV account or not.”,”_id”:”ZMHS773FQZBKRGRW45XV3T5EYQ”,”type”:”text”,”content”:”So after six months, you could easily switch over to the YouTube TV Entertainment Plus bundle to save money going forward.”,”level”:3,”_id”:”Z4PGXVYC2BBM7JL67WTO43QOJE”,”additional_properties”:”id”:”h-bottom-line”,”type”:”header”,”content”:”Bottom Line”,”_id”:”3DU67YR5HNDYXJXIRQFZCW7DXA”,”type”:”text”,”content”:”If you’re already an existing subscriber of one or more the service on the Entertainment Plus bundle, you may be able to save some cash by converting to this offer from YouTube TV.”,”_id”:”AZJY2UNQJNFEVFAGYD7XMDLXJU”,”type”:”text”,”content”:”If you’re new to one or more of these services, you may want to opt for the free trials offered by either YouTube TV or the service directly to make sure that you’re actually interested in the service.”,”_id”:”HD6FNIL23FCPLOTPLJWUU4NEOU”,”type”:”text”,”content”:”More Clark.com Content You May Like:“,”list_type”:”unordered”,”_id”:”IJ6SLQSPWNBRZB3SQEYKMRGPAQ”,”additional_properties”:”class”:[“wp-block-yoast-seo-related-links”],”type”:”list”,”items”:[“_id”:”V3SJ3BFEU5CAZJ2TMEJXVMTTII”,”type”:”text”,”content”:”HBO Max Review: Is AT&T’s New Streaming Service Worth It?”,”_id”:”UU6JC2VGLZGB3JX5SHIF36XMQM”,”type”:”text”,”content”:”YouTube TV vs. Sling TV: Which Streaming Service Is Better?”,”_id”:”RSCO2ITHMFCKHJBMCGLSWCY4LI”,”type”:”text”,”content”:”How to Choose a Live TV Streaming Service”],”_id”:”N3OQ3NYBAZCSVCEL35CK65WDIA”,”type”:”raw_html”,”content”:”

“,”_id”:”GBYV54KWZJES5ISK7DV7VKPP6Y”,”type”:”raw_html”,”content”:”

“,”_id”:”PYUYULG6K5GKNEFMFTDUA4V76A”,”type”:”raw_html”,”content”:””,”_id”:”ETOKK4YM35FI3IS6DQEZIDW73A”,”additional_properties”:”href”:”https://clark.com/personal-finance-credit/investing-retirement/ask-clark-investment-beginner/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”type”:”interstitial_link”,”content”:”This article was originally published on Clark.com”,”url”:”https://clark.com/personal-finance-credit/investing-retirement/ask-clark-investment-beginner/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”_id”:”INQ4KHJMR5HHBJRYGBPPM5OASQ”,”type”:”text”,”content”:”The post I Am 7 Years Old and I Want To Invest in Stocks. What Should I Do? appeared first on Clark Howard.”],”display_date”:”2021-02-22T15:00:30Z”,”headlines”:”basic”:”I Am 7 Years Old and I Want To Invest in Stocks. What Should I Do?”,”first_publish_date”:”2021-02-22T15:00:30Z”,”taxonomy”:{“sections”:[“path”:”/news/business”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”Business”,”description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”_id”:”/news/business”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”ComposerNav”:”/”,”site”:”section_comments_enabled”:”Yes”,”site_description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”site_title”:”Atlanta Business news and updates”,”navigation”:”nav_title”:”Business”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”Business”,”_id”:”/news/business”,”ancestors”:”default”:[“/”],”BottomNav”:[],”TopNavRedesign”:[“/”,”/news”],”SectionMap”:[“/”],”order”:”default”:2006,”TopNavRedesign”:2005,”SectionMap”:1031,”ComposerNav”:1107,”_website_section_id”:”ajc./news/business”,”type”:”section”,”version”:”0.6.0″],”primary_section”:”path”:”/news/business”,”name”:”Business”,”tags”:[“text”:”clark”]},”type”:”story”,”last_updated_date”:”2021-02-23T15:05:55.705Z”,”canonical_url”:”/news/i-am-7-years-old-and-i-want-to-invest-in-stocks-what-should-i-do/AECHNOU44NCF3DP5C4XQACIRNU”,”promo_items”:”basic”:”width”:150,”type”:”image”,”url”:”https://cloudfront-us-east-1.images.arcpublishing.com/ajc/FW65JQ3WECXQ6HWSBBG2WCVDWA.png”,”height”:150,”_id”:”AECHNOU44NCF3DP5C4XQACIRNU”},{“content_elements”:[“_id”:”EO7AYCYSDRFT5D4HFYWQAP7BTE”,”type”:”text”,”content”:”If you work in marketing or content creation, you know how challenging it can be to find quality stock photos without having to pay for them. In this article, I’ll look at 20 different websites where you can find royalty-free images that you can use at no cost.”,”_id”:”KJADFSXZMFEWLHVGL5PUH73HOU”,”type”:”text”,”content”:”I’ve visited each of the websites listed below to see what’s available and downloaded a few images to make sure each site offered completely free content. I’ve also checked out the licensing pages on each website to verify that it’s legal to use the images you find there.”,”level”:2,”_id”:”IEZGNXKNCJH6FAEX2WTKPTYHCQ”,”additional_properties”:”id”:”h-where-to-find-free-stock-photos-and-royalty-free-images”,”type”:”header”,”content”:”Where To Find Free Stock Photos and Royalty-Free Images”,”_id”:”BZ7BG4LEBJDZJM3YGZSDYONXL4″,”type”:”text”,”content”:”If you’re looking for royalty-free images to use on your website or blog, you’ll realize quickly that buying them can get pricey fast. Fortunately, there are several photographers, entrepreneurs and contributors who have created a variety of resources for quality stock photos free of charge. A lot of the pictures on these websites are covered by the Creative Commons license, or a similar license, which allows you to download and use the photos for personal or commercial use.”,”_id”:”MMASWOFHZZA55M4ZK4F3KKWJ2A”,”type”:”text”,”content”:”Here are 20 of the best websites that I’ve found for downloading free stock photos and royalty-free images:”,”_id”:”NZTAAMJ6AFHYDBNREY6SU4HYFA”,”additional_properties”:”id”:”tablepress-347″,”class”:[“tablepress”,”tablepress-id-347″,”tablepress-responsive”],”type”:”raw_html”,”content”:”

“,”_id”:”DHHMQR5VLFGWFK2G2QA5ZDCZ4Q”,”type”:”text”,”content”:”#tablepress-347 from cache”,”_id”:”2ZPCTJJZ4NBTFDE3MTSJNULFOI”,”type”:”text”,”content”:”Below, you’ll find detailed information on 20 websites worth checking out if you’re looking for free royalty-free images.”,”level”:2,”_id”:”YVTCHZT6N5G4VMXMSAC24YOUAE”,”additional_properties”:”id”:”unsplash”,”type”:”header”,”content”:”Unsplash”,”caption”:”Unsplash royalty-free images”,”_id”:”CRXSXU4WE5G3BM6KC6THSZAFRA”,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Unsplash.jpeg?w=600&ssl=1″,”alt”:”Unsplash royalty-free images”,”style”:”max-width: 100%”,”srcset”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Unsplash.jpeg?resize=1024%2C657&ssl=1 1024w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Unsplash.jpeg?resize=300%2C192&ssl=1 300w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Unsplash.jpeg?resize=768%2C493&ssl=1 768w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Unsplash.jpeg?resize=260%2C167&ssl=1 260w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Unsplash.jpeg?resize=891%2C572&ssl=1 891w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Unsplash.jpeg?resize=935%2C600&ssl=1 935w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Unsplash.jpeg?resize=430%2C276&ssl=1 430w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Unsplash.jpeg?w=1119&ssl=1 1119w”,”class”:[“wp-image-184074″],”data-recalc-dims”:”1″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Unsplash.jpeg?w=600&ssl=1″,”_id”:”LUQYVGPQPJCY3J3RE4PJ2KB2H4″,”type”:”text”,”content”:”Unsplash is a great website for finding quality free stock photos. According to the website, there are more than 2 million royalty-free images that you can download and use in your own content at no cost. You don’t even have to create an account to search for and download free photos.”,”_id”:”BXBMS7LFH5BZBOT5CTKCZAQGTM”,”type”:”text”,”content”:”Any picture you find on Unsplash can be downloaded and used for free for commercial or non-commercial purposes. According to the licensing page, no permission is required, but attribution is always appreciated.”,”_id”:”4LG7F6TNKJH4DM4MBRCPSJZXQA”,”type”:”text”,”content”:”When I checked out Unsplash, I visited the “Explore” tab on the website. I found a few highlighted categories and images. You can click the drop-down bar next to “Explore” for additional categories or use the search bar to look for specific images.”,”_id”:”QUHJCEWWINBNXFX7MTQQXO7NFY”,”type”:”text”,”content”:”In addition to the website, Unsplash has a few different official apps, including Unsplash for iOS, for a better mobile experience.”,”level”:3,”_id”:”YNNIROJPPZASHLZ54Y7IODLVOU”,”type”:”header”,”content”:”Key Takeaways:”,”list_type”:”unordered”,”_id”:”PF3C4JE5PZE6VPT4CDAPB4PJ5I”,”type”:”list”,”items”:[“_id”:”FUN3YXN6QVHL5EZ2QTMTVS4NVE”,”type”:”text”,”content”:”You don’t have to create an account.”,”_id”:”5KJD6NQ4KNH23PDJBH2RTTOLFE”,”type”:”text”,”content”:”All pictures on the website are free.”,”_id”:”FZZ7DUN6ONGGDFV4IFYE6BYMJM”,”type”:”text”,”content”:”Permission/attribution isn’t required.”,”_id”:”FIXD2I4GRVAXTNMNGIWDEGXUGU”,”type”:”text”,”content”:”Apps are available for mobile users.”,”_id”:”KNOKKTUPP5CKDB7UORIJZQCOZ4″,”type”:”text”,”content”:”Use “visual search” (by the search bar) to find royalty-free images similar to a photo you’ve taken or found online.”],”level”:2,”_id”:”2UGVN3I7IJBNVPMRJ3J2JFESRM”,”additional_properties”:”id”:”burst”,”type”:”header”,”content”:”Burst”,”caption”:”Burst”,”_id”:”5JYL4Z7MRRHA5PGGI5TPIP5V3A”,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Burst.jpeg?w=600&ssl=1″,”alt”:”Burst”,”style”:”max-width: 100%”,”srcset”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Burst.jpeg?resize=1024%2C679&ssl=1 1024w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Burst.jpeg?resize=300%2C199&ssl=1 300w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Burst.jpeg?resize=768%2C509&ssl=1 768w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Burst.jpeg?resize=260%2C172&ssl=1 260w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Burst.jpeg?resize=891%2C591&ssl=1 891w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Burst.jpeg?resize=935%2C620&ssl=1 935w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Burst.jpeg?w=1117&ssl=1 1117w”,”class”:[“wp-image-184075″],”data-recalc-dims”:”1″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Burst.jpeg?w=600&ssl=1″,”_id”:”3UKVZMPP2FGV5K6VPTKHNZEH3E”,”type”:”text”,”content”:”Burst, owned by Shopify, is another great resource for finding quality royalty-free images. The website provides free images to use in any content or project without having to include attribution. You can read more about Burst’s licensing and legal terms here.”,”_id”:”27GXAEDD3JAUTC52OYMYIZZ5VY”,”type”:”text”,”content”:”When you first visit the website, you’ll be able to enter a search term to begin looking for free photos. You can also browse popular categories, the “top free pics this week,” high-resolution photo collections and more. Once you’ve found an image you’d like to use, you can click on it to choose the size and download the image.”,”_id”:”7ICAAFO7MNBD5IQ2OZNSHHGQ5U”,”type”:”text”,”content”:”You don’t have to have an account to search for and download photos. In fact, the only reason you’d have to create one is if you’d like to upload your own photos to Burst as a contributor.”,”level”:3,”_id”:”SBTFMRMFBVDZXGQW3RRNFMUNW4″,”type”:”header”,”content”:”Key Takeaways: “,”list_type”:”unordered”,”_id”:”EPB6HXEWANC5DOPV6G3YGISJF4″,”type”:”list”,”items”:[“_id”:”5OU4FBAU4JFV7KR6ESVAFAHL44″,”type”:”text”,”content”:”You don’t need an account to download and use photos.”,”_id”:”76AJIDIFB5EIVJY4ZFJZHGASLE”,”type”:”text”,”content”:”All pictures on the website are free.”,”_id”:”ZGJHEHEAZZBIFFIIV23JRHU3KA”,”type”:”text”,”content”:”New photos are uploaded every week, and they’re free to use without permission or attribution.”,”_id”:”2YVIMMBI3JAZNNMMGCQIOHDQK4″,”type”:”text”,”content”:”High-definition photos are available.”,”_id”:”D4BFJVIYFRAQZBUWAX7ODW3UKY”,”type”:”text”,”content”:”Choose “Business ideas” from the menu in the top-right corner to find inspiration for a variety of small business types along with related royalty-free images to use.”],”level”:2,”_id”:”436NRJPAOJEMHO6GYA3WWOXDJ4″,”additional_properties”:”id”:”pexels”,”type”:”header”,”content”:”Pexels”,”caption”:”Pexels”,”_id”:”AAZ4NUMPMNALTCENFWHJK7HQ2Y”,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Pexels.jpeg?w=600&ssl=1″,”alt”:”Pexels”,”style”:”max-width: 100%”,”srcset”:”https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Pexels.jpeg?resize=1024%2C683&ssl=1 1024w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Pexels.jpeg?resize=300%2C200&ssl=1 300w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Pexels.jpeg?resize=768%2C512&ssl=1 768w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Pexels.jpeg?resize=260%2C173&ssl=1 260w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Pexels.jpeg?resize=891%2C595&ssl=1 891w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Pexels.jpeg?resize=935%2C624&ssl=1 935w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Pexels.jpeg?w=1121&ssl=1 1121w”,”class”:[“wp-image-184076″],”data-recalc-dims”:”1″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Pexels.jpeg?w=600&ssl=1″,”_id”:”WMCRZSHVAZHMBECLSUWPG5V2SU”,”type”:”text”,”content”:”Pexels is a website, app and extension that gives you access to thousands of free stock photos and royalty-free images. According to the company’s licensing page, all photos and videos on the website are free to use. Attribution isn’t required (but always appreciated).”,”_id”:”VIRKN4LLMZCK7F6XVGZQTUWBTU”,”type”:”text”,”content”:”On the website, you can search for free photos and videos, explore popular collections, check out the highest-viewed photographers and more. Once you’ve found a photo you like, you can download it instantly. You can also create an account to add the photo to a saved collection or “favorite” it.”,”_id”:”AFMEMYHOLVBKBFZK42POUD5OMY”,”type”:”text”,”content”:”In addition to the website, Pexels is also available on a variety of other platforms including iOS and Android devices, Chrome, Google Slides, Photoshop, MS Office and WordPress.”,”level”:3,”_id”:”RTCQZQDLT5H7HLD2KPOHCEKDJY”,”type”:”header”,”content”:”Key Takeaways:”,”list_type”:”unordered”,”_id”:”E3S7V54S3FHGROYY6AMCWLRJYM”,”type”:”list”,”items”:[“_id”:”E4KLNVGPQVGOVG43HIWXDVFFUY”,”type”:”text”,”content”:”You don’t need an account to download and use photos.”,”_id”:”JZ5NKUWVSFABPP5W7GAWCD2GBI”,”type”:”text”,”content”:”All pictures and videos on the website are free and don’t require attribution.”,”_id”:”NXMQ2ISIPFDTVJ7F272B5MVVLM”,”type”:”text”,”content”:”Pexels is available on a wide variety of platforms including mobile devices.”,”_id”:”TDLGRPUZQJCC3BUBJIQ2GQXPMQ”,”type”:”text”,”content”:”Under the “Explore” tab, you can click “Popular Searches” or “Discover Photos” to get inspiration.”],”level”:2,”_id”:”7ANEFNSUUZGIZPJGUJGHBX3N6Q”,”additional_properties”:”id”:”pixabay”,”type”:”header”,”content”:”Pixabay”,”caption”:”Pixabay”,”_id”:”XBFC4PAXLVH5DFTAH2TY7RJFJE”,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Pixabay.jpeg?w=600&ssl=1″,”alt”:”Pixabay”,”style”:”max-width: 100%”,”srcset”:”https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Pixabay.jpeg?resize=1024%2C690&ssl=1 1024w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Pixabay.jpeg?resize=300%2C202&ssl=1 300w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Pixabay.jpeg?resize=768%2C517&ssl=1 768w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Pixabay.jpeg?resize=260%2C175&ssl=1 260w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Pixabay.jpeg?resize=891%2C600&ssl=1 891w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Pixabay.jpeg?resize=935%2C630&ssl=1 935w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Pixabay.jpeg?w=1119&ssl=1 1119w”,”class”:[“wp-image-184077″],”data-recalc-dims”:”1″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Pixabay.jpeg?w=600&ssl=1″,”_id”:”XRETQAPEBZDQJA3HZZT6H6BHRA”,”type”:”text”,”content”:”Another great collection of free stock photos and royalty-free images can be found online at Pixabay. There’s a search bar to search for images, vectors and videos. You can also click on the “Explore” tab to browse popular downloads.”,”_id”:”MDUBHJPFKBBWVAJXE5IBDPJM4M”,”type”:”text”,”content”:”When you’ve clicked on an image you’d like to use, just click “free download” on the right side of the screen. You can create an account to “like,” “favorite” and comment on images, but that isn’t required to download and use them.”,”_id”:”HI7D5NTJY5HMLEPKWSLBG36R7Y”,”type”:”text”,”content”:”While you’re browsing free photos, you’ll occasionally see groups of sponsored iStock images. Just know that these aren’t free! Still, according to the company’s website, all PIxabay contents are released under the Pixabay License, which makes them legal to use without attribution even for commercial purposes.”,”level”:3,”_id”:”DEZJTZMWV5CM5OW2OBTRB66FNQ”,”type”:”header”,”content”:”Key Takeaways:”,”list_type”:”unordered”,”_id”:”GXC3UM7O7BD2DOGO735PMV367Y”,”type”:”list”,”items”:[“_id”:”VHG4GFXUY5F6XG44BN223LW6GI”,”type”:”text”,”content”:”You don’t have to create an account or include an attribution to download and use photos.”,”_id”:”CNH3NFK3MFH6RDET25JVEVCUGI”,”type”:”text”,”content”:”All Pixabay photos are completely free to use, but you may see ads for sponsored iStock photos that aren’t free.”,”_id”:”GYL3X743VNE6BL3YCNP6MV5VOA”,”type”:”text”,”content”:”While Pixabay isn’t available as an app, the website is very user-friendly.”,”_id”:”KFFUDG4TMZDJPG3CFFWTNEC4EA”,”type”:”text”,”content”:”In addition to images, the website includes copyright-free stock videos.”],”level”:2,”_id”:”VR3JD5W2YNDRJFKSV6VCZ2MG3Y”,”additional_properties”:”id”:”Kaboompics”,”type”:”header”,”content”:”Kaboompics”,”caption”:”Kaboompics”,”_id”:”L2KXCO5IUVEFXJXS7GCFLUPITY”,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Kaboompics.jpeg?w=600&ssl=1″,”alt”:”Kaboompics”,”style”:”max-width: 100%”,”srcset”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Kaboompics.jpeg?resize=1024%2C680&ssl=1 1024w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Kaboompics.jpeg?resize=300%2C199&ssl=1 300w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Kaboompics.jpeg?resize=768%2C510&ssl=1 768w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Kaboompics.jpeg?resize=260%2C173&ssl=1 260w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Kaboompics.jpeg?resize=891%2C592&ssl=1 891w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Kaboompics.jpeg?resize=935%2C621&ssl=1 935w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Kaboompics.jpeg?w=1123&ssl=1 1123w”,”class”:[“wp-image-184078″],”data-recalc-dims”:”1″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Kaboompics.jpeg?w=600&ssl=1″,”_id”:”7HJPF26F6NH57P6OYLWHYDNQ2Q”,”type”:”text”,”content”:”Kaboompics is a privately-owned website with thousands of royalty-free images that you can use at no cost, even for commercial use. The photos on Kaboompics have all been taken by the website’s owner. You can learn more about her and the photos she takes on the website.”,”_id”:”4DPS4WDOONFYFELKB25KSEEY7M”,”type”:”text”,”content”:”When you first visit Kaboompics, you can use the search bar to look for a specific picture. You can also scroll over “Discover Free Photos” to browse through free stock photos with a variety of filters and sorting options. Once you’ve found a photo you like, you can click on it for details including a complementary color palette and related images.”,”_id”:”YJSZZZULZ5DYVCQL3X53O4NJU4″,”type”:”text”,”content”:”Unfortunately, you’ll also see promoted premium images from iStock that are not free. Still, according to Kaboompics’ licensing page, all non-sponsored photos can be used for free without attribution.”,”level”:3,”_id”:”2BYJXLAK4NFJNFMIGAMURBZQZI”,”type”:”header”,”content”:”Key Takeaways:”,”list_type”:”unordered”,”_id”:”ZXOFZGRZJZEODJZFBYJUPGADX4″,”type”:”list”,”items”:[“_id”:”5SPPXYLQ3BGCFDEEI6YB3YLANQ”,”type”:”text”,”content”:”You can download and use photos for free without creating an account or giving attribution.”,”_id”:”JPSN27YCQZDU5NT3YX3VNLBNCE”,”type”:”text”,”content”:”All Kaboompics photos are completely free to use, but you may see promoted premium images from iStock that aren’t free.”,”_id”:”QH3XDVAEGNF7ZP4CNHTFHMITQ4″,”type”:”text”,”content”:”This website isn’t a collection of photos uploaded by photographers. It’s one woman’s collection that she shares for free, which means you’ll often find a collection of different angles/items/poses instead of just one standalone photo.”,”_id”:”LWY3ELBF4JAE3KUOTVHRXTBQVM”,”type”:”text”,”content”:”Complementary colors palettes are included for each image, which makes designing content around the images very easy.”],”level”:2,”_id”:”R7DAIX2XRNBNRB6RMKT5IPQHGA”,”additional_properties”:”id”:”stocksnap”,”type”:”header”,”content”:”StockSnap.io”,”caption”:”StockSnap royalty-free images”,”_id”:”VAFB5TZVJJDSXLC4GQ5BUCVYZA”,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/StockSnap.jpeg?w=600&ssl=1″,”alt”:”StockSnap royalty-free images”,”style”:”max-width: 100%”,”srcset”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/StockSnap.jpeg?resize=1024%2C684&ssl=1 1024w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/StockSnap.jpeg?resize=300%2C200&ssl=1 300w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/StockSnap.jpeg?resize=768%2C513&ssl=1 768w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/StockSnap.jpeg?resize=260%2C174&ssl=1 260w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/StockSnap.jpeg?resize=891%2C595&ssl=1 891w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/StockSnap.jpeg?resize=935%2C624&ssl=1 935w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/StockSnap.jpeg?w=1114&ssl=1 1114w”,”class”:[“wp-image-184079″],”data-recalc-dims”:”1″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/StockSnap.jpeg?w=600&ssl=1″,”_id”:”XJFVLJAKDJF33JWEVJSZQI6C4U”,”type”:”text”,”content”:”If you’re looking for high-resolution royalty-free images, StockSnap.io is a great resource to use. Hundreds of new high-resolution free images are added every week that you can download and use in your own content.”,”_id”:”JN7VDYWLV5B7DG4VVKXZRJL63M”,”type”:”text”,”content”:”You can search for free stock images, see what’s trending, check out popular categories or just start scrolling. Once you’ve found an image you like, you can download it for free. If you want to keep a collection of your favorite photos online or contribute photos yourself, you can create a free account. Otherwise, it isn’t necessary.”,”_id”:”I6KKOP4SDZEHZHHH3LCRZZIWY4″,”type”:”text”,”content”:”All of the pictures you’ll find on StockSnap.io have been released under the Creative Commons license, which means you can download, copy, modify and distribute the photos for private or commercial use. You can learn more about StockSnap’s licensing here.”,”level”:3,”_id”:”Y7Q7CA7IB5CFJMRMXGJTZKWDKU”,”type”:”header”,”content”:”Key Takeaways: “,”list_type”:”unordered”,”_id”:”GAJBUSOGJBHRDLBWQ4BBLDEGPU”,”type”:”list”,”items”:[“_id”:”RYO3GRHVI5FUJPWWPF42MTRUWY”,”type”:”text”,”content”:”You don’t have to have an account to browse or download free photos.”,”_id”:”5X525QI26JGFRIIRL2AJ7FOAKQ”,”type”:”text”,”content”:”All images on the website are royalty-free and don’t require attribution.”,”_id”:”37JWGZ3DNVF77PQQOAFLIDR7SE”,”type”:”text”,”content”:”Hundreds of new photos are added weekly from individual contributors, which means there’s always an evolving selection with a wide variety of styles and subjects.”,”_id”:”ZAVCDAMWK5CO5CV7PWLPDHI7YE”,”type”:”text”,”content”:”You can sort photos by date, trending, number of views, number of downloads and number of “favorites.””],”level”:2,”_id”:”4AR4RW6IWJHWPN53ZGOE36ISN4″,”additional_properties”:”id”:”newoldstock”,”type”:”header”,”content”:”New Old Stock”,”caption”:”New Old Stock photos”,”_id”:”76LKNRN7FBDCRDHIZWSDBVRYVA”,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/New-Old-Stock.jpeg?w=600&ssl=1″,”alt”:”New Old Stock photos”,”style”:”max-width: 100%”,”srcset”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/New-Old-Stock.jpeg?resize=1024%2C688&ssl=1 1024w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/New-Old-Stock.jpeg?resize=300%2C201&ssl=1 300w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/New-Old-Stock.jpeg?resize=768%2C516&ssl=1 768w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/New-Old-Stock.jpeg?resize=260%2C175&ssl=1 260w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/New-Old-Stock.jpeg?resize=891%2C598&ssl=1 891w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/New-Old-Stock.jpeg?resize=935%2C628&ssl=1 935w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/New-Old-Stock.jpeg?w=1117&ssl=1 1117w”,”class”:[“wp-image-184080″],”data-recalc-dims”:”1″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/New-Old-Stock.jpeg?w=600&ssl=1″,”_id”:”IQ6TEOYZYBBYTAAJVXEEDHEERU”,”type”:”text”,”content”:”Different from other free stock photo resources on this list, New Old Stock is a Tumblr page. You’ll find vintage photos from the public archives that are free of any known copyright restrictions. You can read more about the rights and usage of these photos here.”,”_id”:”D6IL4HJZJVGHPFBBUYR33IUYDI”,”type”:”text”,”content”:”If you’re looking for vintage photos, this is the resource for you. You can scroll through recently uploaded photos from the front page or click the small magnifying glass in the upper-left corner to search. I had fun searching for my home state and other areas/time periods to see what was available.”,”_id”:”7WOSHZHOOVHHPNALW64YSJWQ5Q”,”type”:”text”,”content”:”If you have a Tumblr account, you can log in to reblog or favorite a photo. Otherwise, you can right-click an image to download it to your phone or computer.”,”level”:3,”_id”:”OVQXEZ7RUJAGVHV6ELD5HVOJLA”,”type”:”header”,”content”:”Key Takeaways:”,”list_type”:”unordered”,”_id”:”BG57S2L36JAB7FPHPQ22VTTNWI”,”type”:”list”,”items”:[“_id”:”SMJ65NC6GJEHFMAEJZ65SRYHVY”,”type”:”text”,”content”:”All photos on this Tumblr page are free from known copyright restrictions, which means you can download and use any of them for free.”,”_id”:”3XGDALQQ4FHHHCOY76BM26RPYE”,”type”:”text”,”content”:”All of the photos you’ll find here are vintage, so if you’re looking for something modern you probably won’t find it here.”,”_id”:”FFDSAX6UVFD7ZOH5SEHANFGIG4″,”type”:”text”,”content”:”The search bar isn’t obvious, but the feature works really well: Click the magnifying glass icon in the top-left corner to search.”],”level”:2,”_id”:”XZ7MWT6D6VB65AL2H646G5ZJRQ”,”additional_properties”:”id”:”pix”,”type”:”header”,”content”:”Life of Pix”,”caption”:”Life of Pix”,”_id”:”OOMOEHVUOFBBXCPRFJXY6V42FY”,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/LifeofPix.jpeg?w=600&ssl=1″,”alt”:”Life of Pix”,”style”:”max-width: 100%”,”srcset”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/LifeofPix.jpeg?resize=1024%2C686&ssl=1 1024w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/LifeofPix.jpeg?resize=300%2C201&ssl=1 300w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/LifeofPix.jpeg?resize=768%2C515&ssl=1 768w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/LifeofPix.jpeg?resize=260%2C174&ssl=1 260w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/LifeofPix.jpeg?resize=891%2C597&ssl=1 891w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/LifeofPix.jpeg?resize=935%2C626&ssl=1 935w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/LifeofPix.jpeg?w=1112&ssl=1 1112w”,”class”:[“wp-image-184081″],”data-recalc-dims”:”1″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/LifeofPix.jpeg?w=600&ssl=1″,”_id”:”KVFLMYGAUNGWRDWROKWE3IQPJM”,”type”:”text”,”content”:”Life of Pix is another website worth visiting if you’re looking for free high-resolution royalty-free photos. The pictures you’ll find on this website have no copyright restrictions and have all been donated to the public domain. In addition to free stock photos, you’ll also find a selection of free videos available from the same company.”,”_id”:”SBEPJOUCGVAQHIFK3R3HKUS5OM”,”type”:”text”,”content”:”You can use the search bar to look for specific photos, scroll down to see featured images or visit the “Gallery” tab to see collections. Once you’ve found a photo you’d like to use, just click the “Download” button beneath it.”,”_id”:”R6U7LRAWMRBW5BH3TFBEF4VI74″,”type”:”text”,”content”:”On the same page, you’ll also see related images and promoted Adobe Stock photos. If you see one of these that you like, you can get your first 10 Adobe Stock photos free. After that first 10 though, you’ll be expected to pay. For this reason, it’s best to stick to the free images you find on Life of Pix.”,”level”:3,”_id”:”ED72BLQSVZCBXIECJ4HJFG643M”,”type”:”header”,”content”:”Key Takeaways: “,”list_type”:”unordered”,”_id”:”T42X3KHMYBEVVCKJFDMZPLBVJM”,”type”:”list”,”items”:[“_id”:”76BZQCNXNBFM5L35WSTXLMOAXM”,”type”:”text”,”content”:”You don’t have to create an account to download pictures.”,”_id”:”7QBCCEHRNJG4RJSCK6LS2ESA3A”,”type”:”text”,”content”:”Free stock videos are available in addition to royalty-free images.”,”_id”:”ITSWDCH7ZJCKDK4XJQHF5LAMJM”,”type”:”text”,”content”:”New photos are added every week.”,”_id”:”ECRH3UUPDRFQBFSKT3TOX2V2EU”,”type”:”text”,”content”:”Click the magnifying glass icon in the top-right corner for additional search filters and featured photographers.”],”level”:2,”_id”:”JXGCD4IESNH2PP4N4E5XJCCEWA”,”additional_properties”:”id”:”gratisography”,”type”:”header”,”content”:”Gratisography”,”caption”:”Gratisography”,”_id”:”ONFH4F62MZDPLCLNIMHYUYKWQM”,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Gratisography.jpeg?w=600&ssl=1″,”alt”:”Gratisography”,”style”:”max-width: 100%”,”srcset”:”https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Gratisography.jpeg?resize=1024%2C685&ssl=1 1024w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Gratisography.jpeg?resize=300%2C201&ssl=1 300w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Gratisography.jpeg?resize=768%2C514&ssl=1 768w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Gratisography.jpeg?resize=260%2C174&ssl=1 260w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Gratisography.jpeg?resize=891%2C596&ssl=1 891w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Gratisography.jpeg?resize=935%2C626&ssl=1 935w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Gratisography.jpeg?w=1122&ssl=1 1122w”,”class”:[“wp-image-184082″],”data-recalc-dims”:”1″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Gratisography.jpeg?w=600&ssl=1″,”_id”:”HLAFTTVXRRDAXM3OQEGBUC4ZDY”,”type”:”text”,”content”:”Gratisography is a website that prides itself on being “the world’s quirkiest collection” of high-resolution free stock photos. So if you’re looking for something a little different, this may be the resource for you.”,”_id”:”OZXUW47MHZCL5FRQTH6D5I5FRU”,”type”:”text”,”content”:”When you first visit the website, you can enter a term into the search bar or click on the drop-down menu to see additional information, categories and collections. You can also scroll down to see trending and recent images. Once you’ve found a picture you want to use, click the “Download Free” button above it on the screen.”,”_id”:”R2WWTDJEPZAMBAH45OEQW5E4X4″,”type”:”text”,”content”:”Like many of the other resources on this list, you can use any pictures on this website for personal or commercial use. The only thing you can’t do is sell or upload the photos to other stock sites, cast the subject in a negative light or claim that you took the pictures. You can learn more about Gratisography’s licensing here.”,”level”:3,”_id”:”VHYPAGUCZVFIDPVAMCKPAPJYJQ”,”type”:”header”,”content”:”Key Takeaways:”,”list_type”:”unordered”,”_id”:”77CBS2WU7ZASHHZAYZ4ZAQV6EA”,”type”:”list”,”items”:[“_id”:”S3FJJZT73RB7FDY73UINJMEADQ”,”type”:”text”,”content”:”There are tons of “quirky” images, which makes this a great website to visit for something unique.”,”_id”:”3HUFAGAXNFFGZOTWLN6W7O7PCA”,”type”:”text”,”content”:”You don’t have to create an account or give credit to the photographer in order to use the pictures for private or commercial use.”,”_id”:”TK3QFGXTM5DI3A7BWT6JDEV6MY”,”type”:”text”,”content”:”There are advertisements for trying Shutterstock and getting 10 free images, but after that you will have to pay.”],”level”:2,”_id”:”ENCHLN7ZYNE5RJOGXE2RPBHOVY”,”additional_properties”:”id”:”foodiesfeed”,”type”:”header”,”content”:”Foodiesfeed”,”caption”:”Foodiesfeed”,”_id”:”2NPMJZGAEZBF3A4NJEURZED6DM”,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Foodiesfeed.jpeg?w=600&ssl=1″,”alt”:”Foodiesfeed”,”style”:”max-width: 100%”,”srcset”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Foodiesfeed.jpeg?resize=1024%2C685&ssl=1 1024w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Foodiesfeed.jpeg?resize=300%2C201&ssl=1 300w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Foodiesfeed.jpeg?resize=768%2C514&ssl=1 768w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Foodiesfeed.jpeg?resize=260%2C174&ssl=1 260w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Foodiesfeed.jpeg?resize=891%2C596&ssl=1 891w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Foodiesfeed.jpeg?resize=935%2C625&ssl=1 935w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Foodiesfeed.jpeg?w=1117&ssl=1 1117w”,”class”:[“wp-image-184083″],”data-recalc-dims”:”1″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Foodiesfeed.jpeg?w=600&ssl=1″,”_id”:”WG5KLZQF2RGPNO3D3AB5D7SPUI”,”type”:”text”,”content”:”If you need food-related images that you can download and use for free, be sure to check out Foodiesfeed. There, you’ll find thousands of free food photos including categories like coffee, cake, pizza, meat, “top view,” “healthy” and more.”,”_id”:”UICKHECUTFACNI53QT5BXLW3YA”,”type”:”text”,”content”:”The photos uploaded to Foodiesfeed are licensed under the Creative Commons Zero license, which means you can download and use the photos for free in both personal and commercial content. You can learn more about Foodfiesfeed’s license here.”,”_id”:”ZXEOP7TSP5ESDF3TSED42DWD5E”,”type”:”text”,”content”:”When you first visit the website, you can click on a featured category, search for specific pictures, check out popular tags or scroll through trending photos. Once you find a picture you’d like to use, scroll over it and click “Free Download” or click the picture to see additional details.”,”level”:3,”_id”:”MRKG7TYVGJG5DDZQGUGLKAWDGM”,”type”:”header”,”content”:”Key Takeaways: “,”list_type”:”unordered”,”_id”:”HHIICIRQSVFVJN64HM2PDI2O2Y”,”type”:”list”,”items”:[“_id”:”QLAEUCLZANFVVBFHF3RYESI23E”,”type”:”text”,”content”:”You’ll find only food-themed pictures on this site.”,”_id”:”46PRGO2J2BGMXCADZXB3NW6XOU”,”type”:”text”,”content”:”You don’t have to create an account or credit the website to download and use royalty-free photos.”,”_id”:”I25Y2LHYWVHA5KDX6BWCE5RTKM”,”type”:”text”,”content”:”If you like the style of a specific picture, you can click on the photographer’s name to see other free images they’ve uploaded.”],”level”:2,”_id”:”EJXNIZUJ2ZBOLKRUFRT34GSWOA”,”additional_properties”:”id”:”google”,”type”:”header”,”content”:”Google Advanced Image Search”,”caption”:”Google Advanced Image Search”,”_id”:”SFPHFR6Q5VCXHLACUEFNKGO6GY”,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Google-Advanced-Image-Search.jpeg?w=600&ssl=1″,”alt”:”Google Advanced Image Search”,”style”:”max-width: 100%”,”srcset”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Google-Advanced-Image-Search.jpeg?resize=1024%2C688&ssl=1 1024w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Google-Advanced-Image-Search.jpeg?resize=300%2C202&ssl=1 300w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Google-Advanced-Image-Search.jpeg?resize=768%2C516&ssl=1 768w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Google-Advanced-Image-Search.jpeg?resize=260%2C175&ssl=1 260w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Google-Advanced-Image-Search.jpeg?resize=891%2C599&ssl=1 891w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Google-Advanced-Image-Search.jpeg?resize=935%2C628&ssl=1 935w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Google-Advanced-Image-Search.jpeg?w=1112&ssl=1 1112w”,”class”:[“wp-image-184084″],”data-recalc-dims”:”1″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Google-Advanced-Image-Search.jpeg?w=600&ssl=1″,”_id”:”DXP5NAIZCRA3VCQZX25EGB2BII”,”type”:”text”,”content”:”While not every image that you find on Google is free and legal to download and distribute, there are ways to filter the search to only royalty-free images. And these images are still completely free of cost.”,”_id”:”W6JEZQ2J7VCOFPPAZM3SI7UM24″,”type”:”text”,”content”:”If you use Google’s Advanced Image Search feature, you can scroll down to “usage rights” and select “Creative Commons licenses.” Once you’ve made this change, you can search for images with key phrases, colors, sizes, file type and more.”,”_id”:”MT6BMIUHB5HNZBH3PVXLVRYYEU”,”type”:”text”,”content”:”While you’re searching, you’ll notice a small icon in the bottom-right corner of the images that indicates they’re free to use. Once you’ve found an image you’d like to download, you can click on it to open the website where it was originally published. From there, you can right-click on the picture to download it at its original size.”,”level”:3,”_id”:”QTNZSKX3TFFY5AKDA6D5FMTYYM”,”type”:”header”,”content”:”Key Takeaways: “,”list_type”:”unordered”,”_id”:”U5DT7HBVARCJNLX7U4GYNJ3OI4″,”type”:”list”,”items”:[“_id”:”AALNU2WY2VDYXMD2DGSYEVACEY”,”type”:”text”,”content”:”The advanced search page can seem intimidating, but it’s actually really easy to use.”,”_id”:”MFD7QFZAOBG3HNZBA4THVHLK3I”,”type”:”text”,”content”:”If you’re looking for something extremely specific, you’ll likely find it with this method.”,”_id”:”TOS77QCF5RGJZEFYDSKUBOUOZM”,”type”:”text”,”content”:”These photos are compiled from all around the web, which means this resource offers one of the biggest selections and a great deal of variety.”],”level”:2,”_id”:”3LSF6RL7SZEGVIP6HWIT7LAIWM”,”additional_properties”:”id”:”getty”,”type”:”header”,”content”:”Getty Images”,”caption”:”Getty Images”,”_id”:”EKC5B4ADSZAQ7DEU5UYSJBWF3E”,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Getty-Images.jpeg?w=600&ssl=1″,”alt”:”Getty Images”,”style”:”max-width: 100%”,”srcset”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Getty-Images.jpeg?resize=1024%2C676&ssl=1 1024w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Getty-Images.jpeg?resize=300%2C198&ssl=1 300w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Getty-Images.jpeg?resize=768%2C507&ssl=1 768w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Getty-Images.jpeg?resize=260%2C172&ssl=1 260w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Getty-Images.jpeg?resize=891%2C589&ssl=1 891w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Getty-Images.jpeg?resize=935%2C618&ssl=1 935w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Getty-Images.jpeg?w=1099&ssl=1 1099w”,”class”:[“wp-image-184085″],”data-recalc-dims”:”1″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Getty-Images.jpeg?w=600&ssl=1″,”_id”:”7W2QCVPTIBCLTNY2J7VUSZNLVU”,”type”:”text”,”content”:”While many of the pictures on Getty Images are for sale, this resource still lets you use them on your website for free. The catch here is that instead of downloading photos, Getty Images only allows you to embed photos without having to pay. And you can embed the photos for free only on non-commercial websites.”,”_id”:”UXIKNNC6NZCRFOGBR2WYUKOJUY”,”type”:”text”,”content”:”To get started, visit this page. There, you can enter a key term into the search bar to look for a picture. Then you can narrow your results using the filter choices on the left side of the screen.”,”_id”:”RZKRZT2ACZA6PP6E2XZZGJ4H5I”,”type”:”text”,”content”:”Once you’ve found an image that you’d like to embed on your non-commercial website, click on it for more details. There, you’ll see the embed icon. You can click it and copy and paste the code into your non-commercial website or blog. You can learn more about Getty Images’ licensing information online.”,”level”:3,”_id”:”W4ZAZN6V75F3ZEQZ6BCVDTW37Q”,”type”:”header”,”content”:”Key Takeaways:”,”list_type”:”unordered”,”_id”:”6TK4NKO2YNHTFF4HV2SN72UC4Y”,”type”:”list”,”items”:[“_id”:”HYUA3GSKHZAK5LOJOAM7ZGO6WU”,”type”:”text”,”content”:”Not all photos on the website are embeddable, but you can use a special search page to filter these out.”,”_id”:”XJG6LVRHONDUZB67DNKKS4Y6WI”,”type”:”text”,”content”:”You can’t download photos or use them on commercial websites.”,”_id”:”URP2L563KZBYZM27D5LMGYKSN4″,”type”:”text”,”content”:”You don’t have to create an account to find embeddable images and link to them from your non-commercial website.”],”level”:2,”_id”:”NP2AYEZPN5DJ5GM4W6QL7KX434″,”additional_properties”:”id”:”flickr”,”type”:”header”,”content”:”Flickr”,”caption”:”Flickr royalty-free images”,”_id”:”E32DFQCPRZCBNIFEG3BDJ6BWIE”,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Flickr.jpeg?w=600&ssl=1″,”alt”:”Flickr royalty-free images”,”style”:”max-width: 100%”,”srcset”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Flickr.jpeg?resize=1024%2C671&ssl=1 1024w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Flickr.jpeg?resize=300%2C197&ssl=1 300w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Flickr.jpeg?resize=768%2C503&ssl=1 768w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Flickr.jpeg?resize=260%2C170&ssl=1 260w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Flickr.jpeg?resize=891%2C584&ssl=1 891w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Flickr.jpeg?resize=935%2C613&ssl=1 935w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Flickr.jpeg?w=1134&ssl=1 1134w”,”class”:[“wp-image-184086″],”data-recalc-dims”:”1″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Flickr.jpeg?w=600&ssl=1″,”_id”:”J56BMTD4NBD55F47A6CFAZJP7I”,”type”:”text”,”content”:”Flickr is another website worth checking out. While you’ll find tons of free images on this resource, not all of them are available for use in commercial projects, and not all are downloadable for free. Still, you can easily find hundreds of thousands of free royalty-free photos on Flickr.”,”_id”:”ZY5GFYKK7JDHDLL7PVE6KEZKWM”,”type”:”text”,”content”:”To get started, visit this page. You’ll see images created by Flickr users who have chosen to offer their work under a Creative Commons license. There are a few different license types including attribution, non-commercial and public domain. Just be sure that you’re browsing the right category for the license you need.”,”_id”:”XR7L5MGJQJEMXCV6RQQANBALE4″,”type”:”text”,”content”:”Once you’ve chosen a license type, you can click “see more” to browse all photos or search for a specific key term. Once you’ve found an image you’d like to use, click the download button in the bottom-right corner of the screen. Again, just remember to give attribution if it’s required.”,”level”:3,”_id”:”JJU4DDG73BBDRFHASGG7JLSRHQ”,”type”:”header”,”content”:”Key Takeaways: “,”list_type”:”unordered”,”_id”:”CU32HRC2QFHDHNGPF2I3OVOGGM”,”type”:”list”,”items”:[“_id”:”E6F5DKPQQZE6RFJ24ZSQVOA3IU”,”type”:”text”,”content”:”Not all photos are free to use or completely royalty-free, but it’s easy to browse photos by license type.”,”_id”:”SWUIFDGJWZDWTMQTLVJBMWJ5OQ”,”type”:”text”,”content”:”You don’t have to create an account to check out the selection on Flickr or download photos.”,”_id”:”ICI2NOUNH5GSNEEOAHCOX4WPRM”,”type”:”text”,”content”:”In addition to its website, Flickr has highly-rated apps available on the App Store and Google Play.”],”level”:2,”_id”:”UQ76DAWCBJB7LO6OFRZSH3HOY4″,”additional_properties”:”id”:”picjumbo”,”type”:”header”,”content”:”PicJumbo”,”caption”:”PicJumbo”,”_id”:”BXCVP6YLC5CS3PXY42I6LWDRDY”,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i2.wp.com/clark.com/wp-content/uploads/2021/02/PicJumbo.jpeg?w=600&ssl=1″,”alt”:”PicJumbo”,”style”:”max-width: 100%”,”srcset”:”https://i2.wp.com/clark.com/wp-content/uploads/2021/02/PicJumbo.jpeg?resize=1024%2C671&ssl=1 1024w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/PicJumbo.jpeg?resize=300%2C197&ssl=1 300w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/PicJumbo.jpeg?resize=768%2C503&ssl=1 768w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/PicJumbo.jpeg?resize=260%2C170&ssl=1 260w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/PicJumbo.jpeg?resize=891%2C584&ssl=1 891w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/PicJumbo.jpeg?resize=935%2C613&ssl=1 935w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/PicJumbo.jpeg?w=1117&ssl=1 1117w”,”class”:[“wp-image-184087″],”data-recalc-dims”:”1″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i2.wp.com/clark.com/wp-content/uploads/2021/02/PicJumbo.jpeg?w=600&ssl=1″,”_id”:”JD3YOWKCHFFYLMCMUKXEGLJYSE”,”type”:”text”,”content”:”PicJumbo is another great resource worth checking out for free stock photos. All of the photos you’ll find on the website are free to download and use for personal or commercial use.”,”_id”:”XEX7UNBQUVAMXHGAFFYOUNZGMQ”,”type”:”text”,”content”:”The website was created by photographer, online entrepreneur and designer Viktor Hanacek in 2013. The pictures you’ll find on this website are his original work, which makes them all unique with a cohesive style. You’ll also see a lot of the same subjects and places taken from different angles.”,”_id”:”SKYAXOX4LBDBJGCTNRE7Q5FCVQ”,”type”:”text”,”content”:”While you can create an account or pay for a premium membership, it isn’t required to browse, download and use photos. Instead, you can simply enter a term into the search bar or scroll down the homepage to see what’s popular. Once you’ve found an image you like, click “Free Download” on the left side of the screen. If you want to download an entire collection, click “Download all free photos.””,”level”:3,”_id”:”HEEFL7MPZJFBRMDJC65BPKPJ6I”,”type”:”header”,”content”:”Key Takeaways:”,”list_type”:”unordered”,”_id”:”4ELFJEMZPBBNNKVYGFYOWJJODE”,”type”:”list”,”items”:[“_id”:”KTZSITG6IJBARA2CX46TWEGCBU”,”type”:”text”,”content”:”All of the photos on the website are free to download and use for personal or commercial projects.”,”_id”:”E2KJ2XIBRNEENDHJAEWKIF4S6M”,”type”:”text”,”content”:”You don’t have to create an account in order to browse and download free stock photos.”,”_id”:”CKFITU3B7RCFTJTTCOF2ZE62SM”,”type”:”text”,”content”:”Click “More images like this” in the top corner of interesting pictures to see related images.”,”_id”:”2JDXYAWKVJHHBCEGUR43RT5LXI”,”type”:”text”,”content”:”You can support the photographer by clicking “Buy me a coffee” in the bottom left corner.”],”level”:2,”_id”:”2DBMLGDWFZA2JJ2DPLLD6PXMCU”,”additional_properties”:”id”:”startup”,”type”:”header”,”content”:”Startup Stock Photos”,”caption”:”Startup Stock Photos”,”_id”:”ZSCBB3OJ3FE5LI2XOEAMYSXYEE”,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Startup-Stock-Photos.jpeg?w=600&ssl=1″,”alt”:”Startup Stock Photos”,”style”:”max-width: 100%”,”srcset”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Startup-Stock-Photos.jpeg?resize=1024%2C682&ssl=1 1024w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Startup-Stock-Photos.jpeg?resize=300%2C200&ssl=1 300w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Startup-Stock-Photos.jpeg?resize=768%2C512&ssl=1 768w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Startup-Stock-Photos.jpeg?resize=260%2C173&ssl=1 260w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Startup-Stock-Photos.jpeg?resize=891%2C593&ssl=1 891w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Startup-Stock-Photos.jpeg?resize=935%2C623&ssl=1 935w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Startup-Stock-Photos.jpeg?w=1111&ssl=1 1111w”,”class”:[“wp-image-184088″],”data-recalc-dims”:”1″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Startup-Stock-Photos.jpeg?w=600&ssl=1″,”_id”:”7K5NPGRH7BAWJG6FNBZGFW4WVU”,”type”:”text”,”content”:”This resource is a little different from the others on this list. Startup Stock Photos focuses exclusively on royalty-free images of startup, office and tech subjects. You’ll find pictures of office spaces, co-working, typing, desks and phones.”,”_id”:”4CZ3PJ3PXVEVNIVJTSYFOXIDXY”,”type”:”text”,”content”:”When you visit the website, you’ll notice that there isn’t a search bar. Instead, you can scroll down to check out dozens of royalty-free photos available to download. While you won’t find the biggest selection here, the photos are great quality and could be exactly what you’re looking for.”,”_id”:”7LHWJ35M65G4TCJIBUZVNPHMYI”,”type”:”text”,”content”:”When you’ve found a picture you’d like to use, simply click it and click “Download” at the top of the screen. All photos are free to download and free to use in any project. You can learn more about Startup Stock Photos’ licensing and terms by checking out the website’s FAQ page.”,”level”:3,”_id”:”NJLVW2TDGZAEZM6MICTNSGMHPQ”,”type”:”header”,”content”:”Key Takeaways: “,”list_type”:”unordered”,”_id”:”LTEHAQVFBVHXHDFFYRNZ6V5IIM”,”type”:”list”,”items”:[“_id”:”45X3Y7BBBVHCFBZT7TK726CDJI”,”type”:”text”,”content”:”All the photos on this resource are focused on technology and business.”,”_id”:”XVNGCKPEOJFJ5BSSO7J2D4WR6M”,”type”:”text”,”content”:”Attribution is appreciated but not required.”,”_id”:”EQ4F3JJWTFAGTH2PFDAAIV7B3I”,”type”:”text”,”content”:”You can click “donate” in the top-right corner to support Startup Stock Photos, but they are completely free to use in personal and commercial projects.”,”_id”:”Q3QBLSV3ZNAGLFKY5XBSKJVMOQ”,”type”:”text”,”content”:”There isn’t a search bar, but you can quickly browse through dozens of quality of startup-related images.”],”level”:2,”_id”:”R62NAR74SZFGPCRJQLM2SP3QMI”,”additional_properties”:”id”:”free”,”type”:”header”,”content”:”Free Images”,”caption”:”Free Images”,”_id”:”2GZ4ZJEPJFD3NKQNP6L6TG4AQE”,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Free-Images.jpeg?w=600&ssl=1″,”alt”:”Free Images”,”style”:”max-width: 100%”,”srcset”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Free-Images.jpeg?resize=1024%2C685&ssl=1 1024w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Free-Images.jpeg?resize=300%2C201&ssl=1 300w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Free-Images.jpeg?resize=768%2C513&ssl=1 768w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Free-Images.jpeg?resize=260%2C174&ssl=1 260w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Free-Images.jpeg?resize=891%2C596&ssl=1 891w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Free-Images.jpeg?resize=935%2C625&ssl=1 935w, https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Free-Images.jpeg?w=1116&ssl=1 1116w”,”class”:[“wp-image-184089″],”data-recalc-dims”:”1″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i1.wp.com/clark.com/wp-content/uploads/2021/02/Free-Images.jpeg?w=600&ssl=1″,”_id”:”CPZ2RCKT7ZBSZEHLFWS5GR762Y”,”type”:”text”,”content”:”With more than 300,000 free stock images, Free Images is a website worth visiting. You can enter keywords into the search bar to find royalty-free images of specific subjects or styles. Additionally, you can scroll over “Browse” or “Collections” to start browsing images that interest you.”,”_id”:”ZPOIYRL3DZBZFFZF6MLY4UCYD4″,”type”:”text”,”content”:”Once you’ve found an image you’d like to use, you can click on it to download. You’ll also see the photographer, related tags and similar free photos. (You may also see promoted iStock photos, but know that these aren’t guaranteed to be free.)”,”_id”:”J6DPREP4TVEQFLU2FDYP34HDX4″,”type”:”text”,”content”:”All of the pictures you’ll find on the Free Images site are completely free for you to download and use. According to the website, you may need to notify the artists about using their images or give them credit in some instances. If any of these restrictions apply to the image you’re looking at, you’ll see them by the download button.”,”level”:3,”_id”:”MU2OTJPZAVFVRE4XL7Q65JW7SY”,”type”:”header”,”content”:”Key Takeaways: “,”list_type”:”unordered”,”_id”:”CDPRCOYW35G43LGWXF647FJWZQ”,”type”:”list”,”items”:[“_id”:”JQ7JQRNW3ZDEZLJI5HLFE6FFQY”,”type”:”text”,”content”:”Not all photos on the website are free (you’ll see promoted iStock images), but a great selection is available to download instantly.”,”_id”:”QE5V2U5SD5AZJCJD62DC2LRETY”,”type”:”text”,”content”:”You can use the stock photos on this website in both personal and commercial projects, but you may need to give credit to the artist in some cases.”,”_id”:”BO3GUD5HEJGH5EINP63LDHJBRQ”,”type”:”text”,”content”:”You don’t have to create an account to browse, download or use photos.”],”level”:2,”_id”:”6QEOLYXTF5CJZEIN4LLEK2FSLU”,”additional_properties”:”id”:”picspree”,”type”:”header”,”content”:”Picspree”,”caption”:”Picspree”,”_id”:”RAWGQKW64ND5PPW2T6NT2TMSVU”,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Picspree.jpeg?w=600&ssl=1″,”alt”:”Picspree”,”style”:”max-width: 100%”,”srcset”:”https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Picspree.jpeg?resize=1024%2C705&ssl=1 1024w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Picspree.jpeg?resize=300%2C207&ssl=1 300w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Picspree.jpeg?resize=768%2C529&ssl=1 768w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Picspree.jpeg?resize=260%2C179&ssl=1 260w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Picspree.jpeg?resize=891%2C614&ssl=1 891w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Picspree.jpeg?resize=935%2C644&ssl=1 935w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Picspree.jpeg?w=1086&ssl=1 1086w”,”class”:[“wp-image-184090″],”data-recalc-dims”:”1″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Picspree.jpeg?w=600&ssl=1″,”_id”:”PAYZOYPLCZFSBJIO7VND5QZNAM”,”type”:”text”,”content”:”Picspree is another website that collects submissions from contributors around the world. That means you’ll find a huge selection of photos with a wide variety of styles.”,”_id”:”D5KXSV6KEREKTOLTDMQ2UPW4BY”,”type”:”text”,”content”:”To get started, you can search for free images, check out featured categories or scroll down the home page to see popular royalty-free stock photos. All of the pictures you’ll find on the site are free to download and use in personal or commercial use. You can check out Picspree’s terms of use and licensing information here.”,”_id”:”N42PKH4TZJG6XDJ24KVOVCUKUY”,”type”:”text”,”content”:”Once you’ve found a photo you’d like to use, simply scroll over it and click the download button. You can also click the image itself to see related free content and details about the image license. Generally, this will say “free for commercial use” and “no attribution required.””,”level”:3,”_id”:”VA2X4XGGFNHWNHDDVQCM3Q3KIE”,”type”:”header”,”content”:”Key Takeaways:”,”list_type”:”unordered”,”_id”:”5CHYIUF7WZFDFBBSR5FXAIFTJM”,”type”:”list”,”items”:[“_id”:”XODRIFX3BNH2LBOLV237VPWC3I”,”type”:”text”,”content”:”You don’t have to create an account in order to browse available free images.”,”_id”:”QJJZGBMM7BG2PGXC7AOX47SGVQ”,”type”:”text”,”content”:”You can download and use pictures on Picspree for personal or commercial use.”,”_id”:”6S2DLUSSE5D7TM7IP2NTHTT3MM”,”type”:”text”,”content”:”Premium images are advertised throughout the website from iStock, but these are clearly labeled.”],”level”:2,”_id”:”HJ5CNLCZKZDAZK4UMY4XW3GYKI”,”additional_properties”:”id”:”freerange”,”type”:”header”,”content”:”Freerange Stock”,”caption”:”Freerange stock”,”_id”:”CKCARWLGR5ALBFAJIJLONCJIQM”,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Freerange.jpeg?w=600&ssl=1″,”alt”:”Freerange stock”,”style”:”max-width: 100%”,”srcset”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Freerange.jpeg?resize=1024%2C686&ssl=1 1024w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Freerange.jpeg?resize=300%2C201&ssl=1 300w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Freerange.jpeg?resize=768%2C514&ssl=1 768w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Freerange.jpeg?resize=260%2C174&ssl=1 260w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Freerange.jpeg?resize=891%2C597&ssl=1 891w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Freerange.jpeg?resize=935%2C626&ssl=1 935w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Freerange.jpeg?w=1114&ssl=1 1114w”,”class”:[“wp-image-184092″],”data-recalc-dims”:”1″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/Freerange.jpeg?w=600&ssl=1″,”_id”:”PKSHWSZ7XRCQNNXSPV3KUXUNHI”,”type”:”text”,”content”:”Freerange Stock features a huge collection of photos, textures and illustrations that you can use commercially at no cost. The website was created in 2007, and since then it’s grown a huge community of contributors with more than 750,000 registered users.”,”_id”:”Q6TJOKFWJVED7ORAPFWC66RR5Q”,”type”:”text”,”content”:”If you’re just looking to check out free images, you don’t have to register. You can just enter a keyword into the search bar to begin looking for the perfect royalty-free image. If you do find one that you want to download, however, you will have to log in to do so. But creating an account is easy and free, and you don’t have to enter any payment information.”,”_id”:”SGSJAVSNRFDIPHD5B7DV243A5Y”,”type”:”text”,”content”:”All of the pictures on Freerange Stock are licensed under Equalicense. Basically, it says that you can use images for nearly any purpose, commercial or non-commercial, without attribution, but you can’t sell or relicense the images. You can learn more about Freerange Stock’s licensing here.”,”level”:3,”_id”:”5O24JGFO7RBDJKPPQMQLXUEAXQ”,”type”:”header”,”content”:”Key Takeaways:”,”list_type”:”unordered”,”_id”:”ALWUOH6JBRH3DAKMLWONKHQCIA”,”type”:”list”,”items”:[“_id”:”562KZO3Q7VFQBMNHK2UKVTR5YY”,”type”:”text”,”content”:”You do have to create an account in order to download free pictures, but it’s easy and free.”,”_id”:”ROI3L5AOXNB3JNXA6DJUALHHME”,”type”:”text”,”content”:”All pictures on the website are free to use for personal or commercial projects.”,”_id”:”AGAPVJH3EJE23ADN6F3QDG7YPU”,”type”:”text”,”content”:”Click the drop-down box by the search bar to filter your results between photos and illustrations.”],”level”:2,”_id”:”WE7IG7OM2JAXXATDP4OBV6TX24″,”additional_properties”:”id”:”canva”,”type”:”header”,”content”:”Canva”,”caption”:”Canva royalty-free images”,”_id”:”HZPSKDO3X5D4PE575GVDGJHVHE”,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Canva.jpeg?w=600&ssl=1″,”alt”:”Canva royalty-free images”,”style”:”max-width: 100%”,”srcset”:”https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Canva.jpeg?resize=1024%2C700&ssl=1 1024w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Canva.jpeg?resize=300%2C205&ssl=1 300w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Canva.jpeg?resize=768%2C525&ssl=1 768w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Canva.jpeg?resize=260%2C178&ssl=1 260w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Canva.jpeg?resize=891%2C609&ssl=1 891w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Canva.jpeg?resize=935%2C639&ssl=1 935w, https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Canva.jpeg?w=1103&ssl=1 1103w”,”class”:[“wp-image-184093″],”data-recalc-dims”:”1″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i2.wp.com/clark.com/wp-content/uploads/2021/02/Canva.jpeg?w=600&ssl=1″,”_id”:”ERMZB23Y75GFVCUN3WIRTNNE64″,”type”:”text”,”content”:”You may already be familiar with Canva as an online graphic design tool. Of course, while you’re working within Canva, you have access to a full library of free stock photos.”,”_id”:”ZCAC2CTBV5CAPKOFN35BHLUIJY”,”type”:”text”,”content”:”According to Canva’s website, you’re welcome to use the free images in Canva’s editor for both commercial and non-commercial use. Like many other resources on this list, attribution is appreciated but not required. Additionally, you can edit the photos as you like.”,”_id”:”SVD6FE7GFBHH7EJU3YFPG7MKUU”,”type”:”text”,”content”:”For more information on using Canva’s free images, be sure to check out the company’s Free Media License Agreement. Also, know that not all design elements of Canva are free.”,”level”:3,”_id”:”7WWCC2ILHVA3JPBG4HDXZ67SBU”,”type”:”header”,”content”:”Key Takeaways: “,”list_type”:”unordered”,”_id”:”OQWSX73QKBF7PG3IHRYHJFFZQE”,”type”:”list”,”items”:[“_id”:”TS5KYULU6NBDDDQQMWEHV3J4AM”,”type”:”text”,”content”:”The free photos on Canva are available to use as design elements, but you can’t download them individually to your computer.”,”_id”:”L6TMXUOQCJA6HDN7BAFHO5TEQI”,”type”:”text”,”content”:”Images can be edited directly in Canva and then saved or distributed for private or commercial use.”,”_id”:”PVDEYYMU6ZGQXCNHJ2MS3XCYEY”,”type”:”text”,”content”:”You don’t have to create an account to design a template and view free photos, but you will have to log in to save your design.”],”level”:2,”_id”:”JTORXX5ZYJDWXGWJ6U32GL2AR4″,”additional_properties”:”id”:”istock”,”type”:”header”,”content”:”iStock”,”caption”:”iStock”,”_id”:”3UHL6NR4IZFZJHXQAJ5QLO5SC4″,”additional_properties”:”sizes”:”(max-width: 800px) 100vw, 800px”,”src”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/iStock.jpeg?w=600&ssl=1″,”alt”:”iStock”,”style”:”max-width: 100%”,”srcset”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/iStock.jpeg?resize=1024%2C658&ssl=1 1024w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/iStock.jpeg?resize=300%2C193&ssl=1 300w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/iStock.jpeg?resize=768%2C493&ssl=1 768w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/iStock.jpeg?resize=260%2C167&ssl=1 260w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/iStock.jpeg?resize=891%2C572&ssl=1 891w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/iStock.jpeg?resize=935%2C600&ssl=1 935w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/iStock.jpeg?resize=430%2C276&ssl=1 430w, https://i0.wp.com/clark.com/wp-content/uploads/2021/02/iStock.jpeg?w=1115&ssl=1 1115w”,”class”:[“wp-image-184094″],”data-recalc-dims”:”1″,”type”:”image”,”version”:”0.10.7″,”url”:”https://i0.wp.com/clark.com/wp-content/uploads/2021/02/iStock.jpeg?w=600&ssl=1″,”_id”:”KMHRSB73V5ECTOQDIEYCOEO7UA”,”type”:”text”,”content”:”iStock is mostly a stock photo resource that allows paying subscribers to download a certain number of royalty-free images each month. The basic plan begins at 10 images monthly for $29. However, iStock does release new photos every week completely free.”,”_id”:”GIWHOT36BJB6TKSYGUG57SCU7E”,”type”:”text”,”content”:”Each week, the team at iStock chooses a royalty-free photo that can be downloaded free of charge. When you first create an account, you’ll get three complimentary stock photos from iStock’s exclusive “Signature” collection. Each week, you’ll get new “inspirational freebies.””,”_id”:”HGJ5DRKKHJB2PJZFPUTXJCBO5I”,”type”:”text”,”content”:”You will have to create a free account in order to download the free stock photos each week, but it’s easy and free, and you don’t have to enter any payment information. This is a great website if you’re looking for free weekly photos regardless of subject matter.”,”level”:3,”_id”:”NJ4ARYGXBNDWPPWS7FGMX5OCNY”,”type”:”header”,”content”:”Key Takeaways: “,”list_type”:”unordered”,”_id”:”JPOVDMXQABDIPC2TZ6DNRP5FUI”,”type”:”list”,”items”:[“_id”:”TLOVQYBEIRBEDNDNNH4LWCLOKA”,”type”:”text”,”content”:”Most photos from iStock aren’t free to use, but random photos are released weekly for free downloads.”,”_id”:”VEU3V43SYRHWPJXSROLXYRREPE”,”type”:”text”,”content”:”You do have to create an account to download the weekly freebies,”,”_id”:”Z36XKM5NZRGGJIGG3CIGDNZWII”,”type”:”text”,”content”:”You won’t be able to search for a specific subject or photo and download any photo for free; instead, free photos are selected for you by the iStock team each week.”],”level”:2,”_id”:”6O6WSHE6BZFLNM4ZURUUDZ6JGY”,”type”:”header”,”content”:”Final Thoughts”,”_id”:”CMVDXWQMWJCGBGCQ7VTYAXSITM”,”type”:”text”,”content”:”There are tons of resources available for finding free stock photos and royalty-free images online. Many of them can be used commercially with no credit or attribution.”,”_id”:”EOSRAD7BIVA5NKGKKXMPWNO5BQ”,”type”:”text”,”content”:”If you’re looking for a specific royalty-free image, you’ll likely be able to find what you’re looking for with an advanced Google Search. For completely random inspiration, the free weekly photos at iStock could be a great starting place. Just know that most of the photos on iStock’s website cost money.”,”_id”:”YXQ5CVOZ3NDTLDNIBVF32USZZM”,”type”:”text”,”content”:”Some websites, like Kaboompics and PicJumbo, are owned by individual photographers uploading their own work. These can be great for getting multiple angles of the same subject or downloading cohesive images with similar styles. Websites like Unsplash, StockSnap and Picspree rely on contributors who donate their images for free. These can be great resources to check out for a wide variety of subjects and styles.”,”_id”:”GJR6BWR6JVHJTAQ5UOF6HCC3QI”,”type”:”text”,”content”:”No matter which website you decide to use to download free stock photos, just be sure to familiarize yourself with the company’s terms and licensing before using its photos.”,”_id”:”QCND35HSOZHTXPWXT43TMWV3GU”,”type”:”text”,”content”:”What websites do you use to find royalty-free images? Let us know in the comments below!“,”level”:3,”_id”:”4SHRIQLUFFEDVGTRT6VARMCXZM”,”additional_properties”:”id”:”h-more-clark-com-content-for-finding-free-media-online”,”type”:”header”,”content”:”More Clark.com Content For Finding Free Media Online:”,”list_type”:”unordered”,”_id”:”DYPU36FYRNESXM2PERJDMDTOLY”,”type”:”list”,”items”:[“_id”:”EQS6ZUDIHFDSXDLIPG25B4HTMA”,”type”:”text”,”content”:”8 Places to Find Free Royalty-Free Music“,”_id”:”KTNYE4MO4FC4PKIRMAN5GTTSEQ”,”type”:”text”,”content”:”12 of the Best Places to Watch Free Movies Online“,”_id”:”TJHCM2DRDZFZ7HEJ7KV6SGJXXY”,”type”:”text”,”content”:”12 of the Best Places to Find Free Music Downloads“],”_id”:”JHY2CIAR2NADZNEWGJ4R4MQ4GI”,”type”:”raw_html”,”content”:”

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“,”_id”:”TU72YQXRS5BJXHRUDMHLL76KDA”,”type”:”raw_html”,”content”:””,”_id”:”WDNFT7P5SRGMRL6WWZP2ALV7J4″,”additional_properties”:”href”:”https://clark.com/save-money/royalty-free-images/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”type”:”interstitial_link”,”content”:”This article was originally published on Clark.com”,”url”:”https://clark.com/save-money/royalty-free-images/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”_id”:”MNHK4WO66VDQXBUBJCKZWXSN2U”,”type”:”text”,”content”:”The post 20 Places To Find Free Royalty-Free Images appeared first on Clark Howard.”],”display_date”:”2021-02-22T15:00:10Z”,”headlines”:”basic”:”20 Places To Find Free Royalty-Free Images”,”first_publish_date”:”2021-02-22T15:00:10Z”,”taxonomy”:{“sections”:[“path”:”/news/business”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”Business”,”description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”_id”:”/news/business”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”ComposerNav”:”/”,”site”:”section_comments_enabled”:”Yes”,”site_description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”site_title”:”Atlanta Business news and updates”,”navigation”:”nav_title”:”Business”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”Business”,”_id”:”/news/business”,”ancestors”:”default”:[“/”],”BottomNav”:[],”TopNavRedesign”:[“/”,”/news”],”SectionMap”:[“/”],”order”:”default”:2006,”TopNavRedesign”:2005,”SectionMap”:1031,”ComposerNav”:1107,”_website_section_id”:”ajc./news/business”,”type”:”section”,”version”:”0.6.0″],”primary_section”:”path”:”/news/business”,”name”:”Business”,”tags”:[“text”:”clark”]},”type”:”story”,”last_updated_date”:”2021-02-27T15:26:39.302Z”,”canonical_url”:”/news/20-places-to-find-free-royalty-free-images/2TMZMY5A7VHCXLITY6IWY2254Q”,”promo_items”:”basic”:”width”:150,”type”:”image”,”url”:”https://cloudfront-us-east-1.images.arcpublishing.com/ajc/LDXL2RQ4KOXM7YE67DRGJ2MXBY.png”,”height”:150,”_id”:”2TMZMY5A7VHCXLITY6IWY2254Q”},{“content_elements”:[“_id”:”PED6NONS6ZDWFAKARAOHFP4Q6M”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”U.S. stock indexes ended a choppy day of trading little changed Friday, though the S&P 500 finished with its first weekly loss in three weeks.”,”_id”:”GHICZ6MAHJCZ3PSOT7EPWYHGME”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”The benchmark index slipped 0.2%, extending its losing streak to a fourth day, after wavering between small gains and losses for most of the day. A majority of the companies in the S&P 500 rose, but losses in health care, communication services and other stocks outweighed gains by banks and industrial companies, among others.”,”_id”:”MRV2GEME3JHK7HOHSJLCRKVDCM”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”The Dow Jones Industrial Average and Nasdaq composite closed essentially flat, while another strong showing by smaller companies pushed the Russell 200 index to a 2.2% gain.”,”_id”:”Q7C6EN2CYJCLRGAOCYIAAJ4PBM”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”This week’s market pullback, the first downbeat week this month, comes as investors remain focused on the future of the COVID-stricken economy and the potential for more stimulus to fix it. They’ve also begun taking into account the likelihood of higher inflation as the economy continues to climb out of its pandemic-induced recession.”,”_id”:”SL6KI5XRWZEF3LY3RZZVFJQEHI”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Expectations of higher inflation helped drive bond yields sharply higher this week. The yield on the 10-year Treasury note, which is used to set interest rates on mortgages and other consumer loans, rose to 1.34% Friday, though it’s still low by historical standards.”,”_id”:”RBJTDCGIPNGTVFTYY45ZE3TRNA”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”“It’s a gradual release of pent-up demand that we’re beginning to acknowledge is happening through the U.S. economy,” said Bill Northey, senior investment director at U.S. Bank Wealth Management. “And it’s occurring against a backdrop of rising interest rates and inflation.””,”_id”:”BRFPQDMX2RERDLXKCGT5ISSN54″,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”The S&P 500 fell 7.26 points to 3,906.71. The index hit an all-time high just a week ago. The Dow closed essentially unchanged, with a gain of 0.98 points, or less than 0.1%, at 31,494.32. The Nasdaq composite added 9.11 points, or 0.1%, to 13,874.46.”,”_id”:”SFBFVNEGRFBZDEE7VLZTAAHGSA”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”The Russell 2000 small-caps index climbed 48.30 points to 2,266.69. The rally in smaller companies is a sign that investors were anticipating more economic growth.”,”_id”:”GIGMTB6KHVD7RHKRSQ6DNKGDZA”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Wall Street continues to look to Washington for direction, as Democrats move forward with their $1.9 trillion stimulus plan to combat the coronavirus. Incremental moves were made this week, with the Biden administration signaling it would drop its call for a $15-an-hour minimum wage in this stimulus plan in order to get support from moderate Democratic senators.”,”_id”:”TKRGRDLXRNHXROPMS22MBMCLBI”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”The stimulus plan would include $1,400 checks to most Americans, additional payments for children, and billions of dollars in aid to state and local governments as well as additional aid to businesses impacted by the pandemic.”,”_id”:”LNFUXHKGKRCMHLXEGR3DLSWBZM”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Much of the recent economic data has shown the U.S. economy could benefit from additional stimulus. Wall Street got a weekly jobless claims report Thursday that showed 861,000 Americans filed for unemployment last week, a rise from the previous week and higher than Wall Street had forecast. The Federal Reserve, in the minutes from its January meeting, also laid out the case for why additional stimulus would be necessary and not cause the economy to overheat.”,”_id”:”5K3ZRGYHG5E47OSIC56BDJJYPA”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Of particular note is investors’ concerns about inflation. The yield of the 10-year note has risen 0.14 percentage points this week alone, a significant rise in such a short period of time. Rising bond yields can indicate that investors are hopeful for more economic growth in the future, but it can also signal potential inflation coming down the road.”,”_id”:”5RZVPRTJWVEFTJXCJCMZCDX44I”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”In other economic news, sales of previously occupied U.S. homes rose again last month, a sign that the housing market’s strong momentum from 2020 may be carrying over into this year.”,”_id”:”6J7GECIWIBESZIEODSGKU5VJTQ”,”additional_properties”:”inline_comments”:[],”comments”:[],”type”:”text”,”content”:”Existing U.S. home sales rose 0.6% in January from the previous month to a seasonally-adjusted rate of 6.69 million annualized units, the National Association of Realtors said Friday. Sales rose 23.7% from a year earlier. It was the strongest sales pace since October. Homebuilder shares were broadly higher. Beazer Homes USA led the sector, climbing 4.3%.”],”display_date”:”2021-02-19T22:46:50.427Z”,”headlines”:”basic”:”Wall Street ends wobbly day with mixed results”,”first_publish_date”:”2021-02-19T15:18:38.504Z”,”taxonomy”:{“sections”:[“path”:”/news/nation-world”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”National & World News”,”description”:”US and world news updates from the AJC”,”_id”:”/news/nation-world”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”TopNav”:”/news”,”ComposerNav”:”/”,”site”:”site_url”:””,”section_comments_enabled”:”Yes”,”site_description”:”US and world news updates from the AJC”,”site_title”:”National & World News”,”navigation”:”nav_title”:”National & World News”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”National & World News”,”Sponsor”:”sponsor_url_open_new_tab”:”true”,”sponsor_desktop_banner”:””,”sponsor_mobile_banner”:””,”sponsor_url”:””,”_id”:”/news/nation-world”,”ancestors”:”TopNavRedesign”:[“/”,”/news”],”TopNav”:[“/news”],”order”:”default”:2017,”TopNavRedesign”:2011,”TopNav”:2010,”ComposerNav”:1117,”_website_section_id”:”ajc./news/nation-world”,”type”:”section”,”version”:”0.6.0″,”path”:”/news/business”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”Business”,”description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”_id”:”/news/business”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”ComposerNav”:”/”,”site”:”section_comments_enabled”:”Yes”,”site_description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”site_title”:”Atlanta Business news and updates”,”navigation”:”nav_title”:”Business”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”Business”,”_id”:”/news/business”,”ancestors”:”default”:[“/”],”BottomNav”:[],”TopNavRedesign”:[“/”,”/news”],”order”:”default”:2006,”TopNavRedesign”:2005,”ComposerNav”:1107,”_website_section_id”:”ajc./news/business”,”type”:”section”,”version”:”0.6.0″,”path”:”/news”,”parent”:”default”:”/”,”_website”:”ajc”,”parent_id”:”/”,”name”:”News”,”description”:”Atlanta Georgia News main page: Breaking News, Atlanta Weather Forecast, Crime, Politics, GA Schools, Local Articles – Atlanta Journal-Constitution”,”_id”:”/news”,”additional_properties”:”original”:”parent”:”default”:”/”,”BottomNav”:null,”TopNavRedesign”:”/”,”LoggedOutMenu”:null,”TopNav”:”/”,”ComposerNav”:”/”,”site”:”site_url”:”/news/”,”section_comments_enabled”:”Yes”,”site_description”:”Atlanta Georgia News main page: Breaking News, Atlanta Weather Forecast, Crime, Politics, GA Schools, Local Articles – Atlanta Journal-Constitution”,”site_title”:”Atlanta GA News ,”navigation”:”nav_title”:”News”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”News”,”Sponsor”:”sponsor_url_open_new_tab”:”true”,”sponsor_desktop_banner”:””,”sponsor_mobile_banner”:””,”sponsor_url”:””,”_id”:”/news”,”ancestors”:”default”:[“/”],”BottomNav”:[],”TopNavRedesign”:[“/”],”LoggedOutMenu”:[],”order”:”default”:1001,”TopNavRedesign”:1001,”TopNav”:1001,”ComposerNav”:1162,”_website_section_id”:”ajc./news”,”type”:”section”,”version”:”0.6.0″],”tags”:[“text”:”ccd”,”text”:”ccd-ap”,”text”:”ccd-al”,”text”:”natworld.ajc”,”text”:”business”,”text”:”business-economy.ajc”],”primary_section”:”path”:”/news/business”,”name”:”Business”},”type”:”story”,”last_updated_date”:”2021-02-19T22:46:50.677Z”,”canonical_url”:”/news/nation-world/wall-street-rises-after-3-straight-days-of-losses/RGYWAGTSCVDGTF4KVNE33SLTXY/”,”promo_items”:”basic”:”promo_image”:”url”:”https://d1fegwn2wjh0cs.cloudfront.net/06-30-2020/t_5ccf907251d04b829c00bfef384f1f79_name_0250F1E6B0DB4C2D9EF65CD906809273.jpg”,”credits”:,”headlines”:”basic”:”Coronavirus fears have impacted stock market and interest rates”,”type”:”video”,”promo_items”:”basic”:”caption”:”Coronavirus fears have impacted stock market and interest rates”,”type”:”image”,”url”:”https://d1fegwn2wjh0cs.cloudfront.net/06-30-2020/t_5ccf907251d04b829c00bfef384f1f79_name_0250F1E6B0DB4C2D9EF65CD906809273.jpg”,”_id”:”RGYWAGTSCVDGTF4KVNE33SLTXY”},{“content_elements”:[“_id”:”7RHCCN74LBGIXIKEADRJASVE74″,”type”:”text”,”content”:”Christa shares Clark Stinks posts on the site with Clark. Submit yours at Clark.com/ClarkStinks.
nA poll finds many teens and young adults believe a high school education is enough to earn a decent living. Generally, more education is needed for stable employment, via state technical schools and/or colleges. Clark lists the best paying jobs out of college and explains you don’t have to go into massive student loan debt to earn a college degree.
nQuestion topics include: Amazon reviews / Finding a reputable home appraiser / Credit card application denial – Credit reports”,”_id”:”HOIW2IUL6BC6ZORV4RPROJN6DM”,”type”:”text”,”content”:”Want more money advice? Sign up for Clark’s free daily newsletter!
nLearn more about your ad choices. Visit megaphone.fm/adchoices”,”_id”:”AHN7IPSUIJATTPPEQGAFL22X2I”,”additional_properties”:”href”:”https://clark.com/podcasts/02-19-21-clark-answers-his-critics-on-clark-stinks-jobs-that-pay-a-great-starting-salary-for-college-grads/”,”type”:”interstitial_link”,”content”:”Watch the video”,”url”:”https://clark.com/podcasts/02-19-21-clark-answers-his-critics-on-clark-stinks-jobs-that-pay-a-great-starting-salary-for-college-grads/”,”_id”:”UZ6EO6SZ7BFILBHIKTWBRZWM4M”,”additional_properties”:”href”:”https://clark.com/wp-content/uploads/2021/02/02.19.21-Clark-answers-his-critics-on-Clark-Stinks-_-Jobs-that-pay-a-great-starting-salary-for-college-grads-transcript-1.pdf”,”type”:”interstitial_link”,”content”:”Use this link to access a full transcript of this podcast episode. Please note: The transcription is not edited.”,”url”:”https://clark.com/wp-content/uploads/2021/02/02.19.21-Clark-answers-his-critics-on-Clark-Stinks-_-Jobs-that-pay-a-great-starting-salary-for-college-grads-transcript-1.pdf”,”_id”:”BJHQNAHACVA4DGLNNHKSIQVSQU”,”type”:”raw_html”,”content”:”

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“,”_id”:”TWMMG3ZQB5FGDFHYVPTLCTEKEM”,”type”:”raw_html”,”content”:””,”_id”:”7WA4HZWSEVBHXFXPONZILUYFEI”,”additional_properties”:”href”:”https://clark.com/podcasts/02-19-21-clark-answers-his-critics-on-clark-stinks-jobs-that-pay-a-great-starting-salary-for-college-grads/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”type”:”interstitial_link”,”content”:”This article was originally published on Clark.com”,”url”:”https://clark.com/podcasts/02-19-21-clark-answers-his-critics-on-clark-stinks-jobs-that-pay-a-great-starting-salary-for-college-grads/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”,”_id”:”MMEM2S4XWJF5ZAG3QHKDBFRTGY”,”type”:”text”,”content”:”The post 02.19.21 Clark answers his critics on Clark Stinks / Jobs that pay a great starting salary for college grads appeared first on Clark Howard.”],”display_date”:”2021-02-19T20:00:00Z”,”headlines”:”basic”:”02.19.21 Clark answers his critics on Clark Stinks / Jobs that pay a great starting salary for college grads”,”first_publish_date”:”2021-02-19T20:00:00Z”,”taxonomy”:{“sections”:[“path”:”/news/business”,”parent”:”default”:”/news”,”_website”:”ajc”,”parent_id”:”/news”,”name”:”Business”,”description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”_id”:”/news/business”,”additional_properties”:”original”:”parent”:”default”:”/news”,”BottomNav”:null,”TopNavRedesign”:”/news”,”SectionMap”:”/”,”ComposerNav”:”/”,”site”:”section_comments_enabled”:”Yes”,”site_description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”site_title”:”Atlanta Business news and updates”,”navigation”:”nav_title”:”Business”,”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”Business”,”_id”:”/news/business”,”ancestors”:”default”:[“/”],”BottomNav”:[],”TopNavRedesign”:[“/”,”/news”],”SectionMap”:[“/”],”order”:”default”:2006,”TopNavRedesign”:2005,”SectionMap”:1031,”ComposerNav”:1107,”_website_section_id”:”ajc./news/business”,”type”:”section”,”version”:”0.6.0″],”primary_section”:”path”:”/news/business”,”name”:”Business”,”tags”:[“text”:”clark”]},”type”:”story”,”last_updated_date”:”2021-02-26T22:11:44.278Z”,”canonical_url”:”/news/02-19-21-clark-answers-his-critics-on-clark-stinks-jobs-that-pay-a-great-starting-salary-for-college-grads/56OZSZY5I5GCHE6J4MQSAYB2JU”,”_id”:”56OZSZY5I5GCHE6J4MQSAYB2JU”},{“content_elements”:[“_id”:”NZIATRB4JNGIVCVRCH4ZNZSS34″,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1613748148132,”type”:”text”,”content”:”Coca-Cola easily laps Pepsi in the cola wars, but when it comes to sports drinks the Atlanta-based beverage giant’s Powerade wheezes far behind PepsiCo’s Gatorade.”,”_id”:”JIATTQV5UND3XBNKCE54TK5HCE”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1613748148133,”type”:”text”,”content”:”Now, Coke is moving to close some of the gap by trying to buy a controlling stake in fast-growing BodyArmor, a sports drink poised to surpass Powerade.”,”_id”:”OBBRWBV4V5CK7LL3YBY7P3SYYM”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1613758436651,”type”:”text”,”content”:”Coke bought a minority stake in BodyArmor in 2018 and its affiliated bottlers began handling much of the drink’s distribution. The deal included a caveat allowing Coke to take a controlling stake in the New York-based business, and Coke said it notified the Federal Trade Commission this week it plans to take that step. 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Launched in 2011, the brand is pitched as a new generation sports drink with electrolytes, coconut water and vitamins but no artificial colors and little sodium.”,”_id”:”QLJBBN5GAZEWFK5DHNTL7H45XY”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1613758436657,”type”:”text”,”content”:”BodyArmor’s U.S. sales in 2020 soared 41%, compared to a nearly 1% decline for Powerade and a more than 9% increase for Gatorade, according to Beverage Digest. Last year, the upstart captured 13% of dollar sales in the roughly $10 billion U.S. sports drink market. That was nearly as much as Powerade’s 15% share, though far less than Gatorade’s 70% hold.”,”_id”:”2FV2CTJ7CJB5ZNK2JVNU4IR6TE”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1613758436658,”type”:”text”,”content”:”BodyArmor was launched in part by Repole, a co-founder of the maker of Vitaminwater and Smartwater that Coke later purchased for $4.1 billion. NBA star Kobe Bryant, who passed away last year, was a major BodyArmor shareholder.”,”_id”:”BRKCRATM4RCX7FONMEGVMHDPTU”,”additional_properties”:”comments”:[],”_id”:”QFVQN2FSD5HXNDOQRIILDH3P4Y”,”type”:”divider”,”_id”:”YMF5I6JTSZDKLFVKDCQXDLLXQU”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1613758436654,”type”:”text”,”content”:”WHAT IT MEANS”,”_id”:”VWHXVIW3LFCX3P6457G6ZC3DZI”,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1613763386469,”type”:”text”,”content”:”Locking in control of BodyArmor would give Coke a bigger grip in one of the largest and most profitable drink segments where it competes, said Duane Stanford, editor and publisher of Beverage Digest.”,”_id”:”VLRTWFDOUJER7PXLCAYAA7PJH4″,”additional_properties”:”inline_comments”:[],”comments”:[],”_id”:1613758436660,”type”:”text”,”content”:”
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