3 Daily Tricks to Help Save $10,000 in the New Year


Champagne poured into a row of flutes

Image source: Getty Images.

It’s the top resolution, coming only after losing weight or getting exercise: saving money. About half of Americans say it’s on their New Year’s resolution list. But so many people have absolutely no idea where to start.

But don’t worry. Here at the Motley Fool, we have you covered. If you’re hoping to start investing this year, you’ll first have to put some savings aside. Here are three ways to get started and save $ 10,000 in 2022.

Automated contributions

If you get a paycheque every month, odds are you know exactly how much that contribution will be. You then have bills to pay, a mortgage, groceries, it all adds up. But what if you added just one more item, treating it like a bill payment?

It doesn’t have to be much, but creating automated contributions aligned with your pay schedule can certainly rack up savings. Even if it’s just $ 50 bi-weekly, that’s $ 1,300 per year, right there. If you want to hit that $ 10,000 mark, that would be $ 384 bi-weekly.

A great place to start is putting aside between 5% and 10% of each paycheque if you can afford it. The best part is you never have to think about it, it just happens automatically. From there, you can always increase or decrease the amount.

The “envelope” method

Now this one is for the more crafty individuals. Now, those that maybe don’t get a standard paycheque coming in every two weeks. For this, you take 100 envelopes and label them $ 1 to $ 100. Then shuffle them up. Every day, you pick an envelope. Whatever is on the front of the envelope, you then place that amount either in the envelope itself or into your savings account.

So one day, you might contribute $ 5. The next, $ 98. But by the time you get to 100 days, you’ll have $ 5,050. Then perhaps take a break, and do it all again. By the end of next year, you’ll then have $ 10,100 in savings set aside. The best part about this is it gets you in the habit of setting money aside every single day. You’ll find ways of creating savings. Believe me, the feeling at the end will make it all worth it.

Credit card rewards

Canadians simply do not use their credit card rewards enough. Many believe using a credit card is bad because you have to pay it down. However, using a credit card can help you earn rewards on everyday purchases. This can help you use those rewards to pay for items, or even pay down your credit card.

The key to using your credit card is don’t spend what you don’t have. In my case, each week I look at my balance and pay it down completely. This is excellent for my credit, and piles on rewards. I use it for everything, pretty much leaving my debit card completely alone. From tea to diapers, it’s the credit card. In combination with the other two methods, this can be a lifesaver when you’re trying to put savings aside.

Foolish takeaway

If you’re using all three of these methods, it should be easy to put aside $ 10,000 in a year. Start with automated contributions to get started. Then, move on to the envelope method. Finally, make sure to consistently use your credit card to use those rewards when you’re stretching your budget. Taken together, these are sure-fire ways for savings in 2022.



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Howard Marks Latest Trades, 13F, 13D/G


Oaktree Capital Management LP has disclosed 162 total holdings in their latest 13F filing with the SEC for the portfolio date of 2021-09-30. The current portfolio value is calculated to be $ 6.18 Bil. The turnover rate is 8%.

In Howard Marks’s current portfolio as of 2021-09-30, the top 5 holdings are
Chesapeake Energy Corp (CHK), Star Bulk Carriers Corp (SBLK), Vistra Corp (VST), TORM PLC (TRMD), Ally Financial Inc (ALLY), not including call and put options.
Howard Marks did not buy any new stocks in the current portfolio.

Please visit the “Current Portfolio” tab to see the current and past 13F holdings for Howard Marks, as well as holding map, valuations for each stock, which positions are undervalued, have low PE Ratios, are considered high quality and recently traded at 52 -week lows, etc.

Please visit the “Stock Picks” tab to see the latest guru trades and stock picks for Howard Marks, which include data from 13F quarterly reports, 13D / G beneficial ownership reports and form 4 insider ownership change reports.

Please visit the “Summary” page to see the top 10 holdings, recent stock picks, performance, sector / industry breakdown details, as well as past holding history summary for Howard Marks.



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Howard Marks Latest Trades, 13F, 13D/G


Oaktree Capital Management LP has disclosed 162 total holdings in their latest 13F filing with the SEC for the portfolio date of 2021-09-30. The current portfolio value is calculated to be $ 6.18 Bil. The turnover rate is 8%.

In Howard Marks’s current portfolio as of 2021-09-30, the top 5 holdings are
Chesapeake Energy Corp (CHK), Star Bulk Carriers Corp (SBLK), Vistra Corp (VST), TORM PLC (TRMD), Ally Financial Inc (ALLY), not including call and put options.
Howard Marks did not buy any new stocks in the current portfolio.

Please visit the “Current Portfolio” tab to see the current and past 13F holdings for Howard Marks, as well as holding map, valuations for each stock, which positions are undervalued, have low PE Ratios, are considered high quality and recently traded at 52 -week lows, etc.

Please visit the “Stock Picks” tab to see the latest guru trades and stock picks for Howard Marks, which include data from 13F quarterly reports, 13D / G beneficial ownership reports and form 4 insider ownership change reports.

Please visit the “Summary” page to see the top 10 holdings, recent stock picks, performance, sector / industry breakdown details, as well as past holding history summary for Howard Marks.



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Pass vaccinal : ce que contient le projet de loi examiné au Palais Bourbon lundi



With more than 232,000 contaminations on December 31, the Covid-19 epidemic is blazing in France. The deputies are looking Monday, January 3 on the bill transforming the health pass into a vaccination pass, the adoption of which is beyond doubt, despite a tense climate and the hostility of several parties. Examined at the Palais Bourbon on Monday, then in the Senate from Wednesday, the law “strengthening the tools for managing the health crisis” must come into force on January 15. This text “responds to the epidemic resumption in an efficient, graduated manner. It makes the choice of science, it is the choice of responsibility”, insists the Minister of Health Olivier Véran at a time when France records contaminations records , with another 232,200 new cases on Friday.

To cope with this surge, the government wants to put a little more pressure on non-vaccinated French people over 12 years old who, failing to be able to justify a vaccination status, will no longer have access to leisure activities, restaurants and bars, fairs or interregional public transport. A negative test will no longer suffice, except for access to health establishments and services. For Olivier Véran, it is urgent because, in view of the virulence of the Omicron variant, the non-vaccinated have “little chance of passing between the drops”.

>> To read also – “Vaccination obligation”, “logic” … The vaccination pass for some employees divides the unions

Elected officials threatened

In the opposition, the PS group says it votes “on principle” for the vaccine pass, like the majority of LR deputies. The rebels, very offensive to denounce a text creating “two categories of citizens”, the National Rally, which condemns “an increasingly heavy loss of our individual freedoms”, and the Communists, announced that they would oppose the law Project. These votes will be insufficient to derail the text in Parliament, but tensions around the future law remain high, while an online petition saying “No to discrimination against the French” crossed the threshold of 1,115,000 signatures on Saturday.

Several elected officials have reported threats, the personal garage of a deputy was damaged by fire. And the deputy president of the LREM group Aurore Bergé told how she was “fed up with being called a Nazi or a collaborator” by the anti-vax. The bill also provides for tougher penalties. The executive was moved by the circulation of fake health passes, a practice “irresponsible, dangerous or even dramatic” that “some have unfortunately paid with their lives”, according to Olivier Véran. The possession of a false pass will now be punished by five years’ imprisonment and a fine of 75,000 euros. Presenting a pass belonging to another person or transmitting a pass to another with a view to its fraudulent use will be punished by a fixed fine of 1,000 euros, compared to 135 euros today.

>> Read also – Vaccine pass: an exemption is provided for adolescents

Identity check

Managers of establishments open to the public will be able to verify identities themselves. The measure provoked lively discussions in committee, right and left judging the device “unmanageable” and preferring to rely on the police. Within the government, we recall that we are already verifying the identity of those who want to pay by check at the supermarket or see a film banned at least 16 years in the cinema. Against the opinion of the LREM rapporteur, the deputies also voted in committee to adapt the gauges in the stadiums and rooms, in proportion to their reception capacity. But the measure may not remain in session.

Several elected officials fought unsuccessfully to exempt minors from 12 to 17 years of age from vaccination passes. A negative test may be sufficient for school trips, on the other hand voted the majority. The government will propose to impose an administrative fine on companies that do not play the telecommuting game. Finally, the bill provides for a state of health emergency until March 31 in Reunion Island and Martinique. But the date of entry into force of the vaccination pass will be postponed overseas where the vaccination rate is lower. “We do not want to re-ignite a social conflict” in the West Indies, Olivier Véran explained on Wednesday.





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La Banque centrale d’Israël adopte une importante mesure liée aux cryptomonnaies


According to information circulating, the Bank of Israel has instructed local banks to accept profits generated by cryptocurrency activities as long as they are not related to criminal cases. The purpose of this provision is to strengthen anti-money laundering measures.

Central Bank of Israel grants freedom to local banks

According to a recent local report, the central bank of Israel (BCI) distributed a document that deals with money laundering and other financial crimes. In the document, the BCI insisted that it wants to upgrade the rules that are imposed on cryptocurrency companies. Concretely, the BCI asks local banks to do not reject the profits generated by cryptocurrency transactions.

However, not all operations are valid. Indeed, in the document, the BCI established a list of conditions that banks must verify before validating transactions relating to digital assets. They must take into account the nature of the initial funds and the risk classification.

Commenting on this new provision, Ron Tzafrati, vice president of finance and regulation of the Bit2C cryptocurrency exchange, said: “On the one hand, the BCI finally recognizes the obligation of banks to carry out risk assessment and management. On the other hand, it leaves a broad discretion to banks so that they continue to refuse in many cases certain transactions because of the risk of money laundering that they present ”.

The unforgettable case of Esther Freeman

When looking at the new cryptocurrency legislation in Israel, it is worth considering the case of Esther Freeman.

In 2013, this retired Israeli had invested in digital assets with an amount of $ 3,240 in BTC. Eight years later, thanks to the growth in the price of the main cryptocurrency, it multiplied its investment by 100. However, Bank Hapoalim – one of the main banks in the country – had refused to accept the deposit of the $ 324,000. that she had transferred from the cryptocurrency exchange. The bank had estimated that the source of funds could be related to the “Money laundering or terrorist financing”.

In order to gain possession of her funds, Ms Freeman appointed a lawyer and attempted legal action against the bank. In this case, the judges found that the bank did not have the right to restrict the activity of the client’s account solely because it has a connection to cryptocurrencies.

In Israel, the data will change when it comes to cryptocurrencies. Indeed, the country’s central bank has banned local banks from refusing profits generated by their clients’ cryptocurrency investments. Are we moving towards final acceptance of digital assets in the country’s financial sector?

Source: Cryptopotato

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Elon Musk tease son Tesla Bot, Apple blâme le Bluetooth de ses AirPods, c’est le récap’


Apple considers the sound problems of AirPods 3 to be related to the limitations of Bluetooth, Elon Musk says his future robot Tesla Bot will be ” a real life companion “, Dummy streaming applications on the App Store, this is the recap ‘of the day.

AirPods: the Bluebooth limits Apple

Apple’s vice president in charge of acoustics explained in an interview with What Hi-Fi that the AirPods 3 are not revolutionary in terms of sound, and that Apple dreams of offering even better quality. Gary Geaves said the limitations of Bluetooth technology are a drag and they would like to “ have more bandwidth “. The vice president also suggested that Apple would be working on a way to bypass and exceed the limitations of Bluetooth in the future.

Read: AirPods: For Apple, it’s Bluetooth’s fault if the sound is bad

“The Tesla Bot could make incredible companions like C-3PO or R2-D2”

Here is what Elon Musk said in an interview with Lex Fridman. The billionaire, who announced he was embarking on robotics in August, slowly lifts the veil on his robots, whose first function will be to assist its owner by doing what is asked of him. However Elon Musk insists, it will not be just an assistant, but a life companion and explains that each robot could ” develop a unique personality over time. […] This personality could evolve to adapt to its owner, or whatever name we give it ”.

Read: Tesla Bot: Elon Musk promises his robot will be an “incredible companion like C3PO or R2D2”

Beware of bogus streaming apps on the App Store

One of the developers at Apple, Kosta Eleftheriou spoke about the risk that users take when they download streaming apps from the App Store, as many of them are fake. The store’s security devices do not prevent all scams and victims, attracted by film trailers, find themselves taking out false subscriptions. Kosta Eleftheriou reveals that these fake app ” have accumulated more than 2 million downloads and now generate approximately 16,000 downloads per day, or approximately $ 6 million per year ”.

Read: iOS: Fake streaming apps scam 2 million users and generate 5.3 million euros per year



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Affaire Epstein: le prince Andrew va devoir prouver qu’il ne transpire pas


Recently convicted of child sex trafficking, Ghislaine Maxwell is infamous for providing young prey to her companion, billionaire Jeffrey Epstein, who committed suicide in prison in August 2019 before being put on trial. In 1999, it was she who organized the presentations between the American pedophile and Prince Andrew, second son of Queen Elizabeth II.

In 2001, at Ghislaine Maxwell’s, Epstein introduced to the prince the American Virginia Roberts, then aged 17, who belonged to his network of minors. The one who is now called Virginia Giuffre accuses the prince of having sexually assaulted her during this period. What the person strongly denies.

A complaint was filed by Virginia Giuffre on August 9, 2021. Surprisingly enough, one of the keys to the court case may well be … Prince Andrew’s sweating. Or rather its absence of perspiration. Because if the complainant evokes in her testimony the sweat of her alleged assailant, he now defends himself by affirming that he is affected by a medical condition because of which it is impossible for him to sweat.

Anhidrosis or hypohidrosis

The BBC is rebroadcasting a video from 2019 in which the prince evokes this particularity. Virginie Giuffre’s lawyers will obviously not be satisfied with this: they have called on the member of the British royal family to provide “All documents relating to [sa] supposed anhidrosis, hypohidrosis, or [son] inability to sweat “. Anhidrosis refers to the absence of sweating, while hypohidrosis is insufficient sweat.

For the moment, the prince apparently refuses to provide such proof. He made it known through his lawyers that this “Concerns private and confidential information”. They ended up adding that he did not have any such medical document, which is a very different justification.

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Will Prince Andrew have to undergo medical examinations in order to prove that he is not sweating, so as to call into question the testimony of Virginia Giuffre? The future will tell.



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L’UE prépare un plan pour étiqueter les investissements dans le gaz et le nucléaire comme verts


Contenu de l’article

L’Union européenne a élaboré des plans pour qualifier certains projets de gaz naturel et d’énergie nucléaire d’investissements « verts » après une bataille d’un an entre les gouvernements pour des investissements véritablement respectueux du climat.

La Commission européenne devrait proposer des règles en janvier pour décider si les projets nucléaires et gaziers seront inclus dans la “taxonomie de la finance durable” de l’UE.

Il s’agit d’une liste d’activités économiques et de critères environnementaux qui doivent être remplis pour être labellisés comme investissements verts.

Annonce publicitaire

Contenu de l’article

En limitant le label « vert » aux projets véritablement respectueux du climat, le système vise à rendre ces investissements plus attrayants pour le capital-investissement et à mettre fin au « greenwashing », où les entreprises ou les investisseurs exagèrent leurs références vertes.

Bruxelles a également pris des mesures pour appliquer le système à certains fonds de l’UE, ce qui signifie que les règles pourraient décider quels projets sont éligibles à certains fonds publics.

Un projet de proposition de la Commission, vu par Reuters, qualifierait les investissements dans les centrales nucléaires de verts si le projet dispose d’un plan, de fonds et d’un site pour éliminer en toute sécurité les déchets radioactifs. Pour être considérées comme vertes, les nouvelles centrales nucléaires doivent recevoir des permis de construire avant 2045.

Les investissements dans les centrales électriques au gaz naturel seraient également considérés comme verts s’ils produisent des émissions inférieures à 270 g d’équivalent CO2 par kilowattheure (kWh), remplacent une centrale à combustible fossile plus polluante, reçoivent un permis de construire avant le 31 décembre 2030 et prévoient de passer aux gaz décarbonés d’ici fin 2035.

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Contenu de l’article

La production de gaz et d’électricité nucléaire serait qualifiée de verte car ce sont des activités de « transition », définies comme celles qui ne sont pas entièrement durables, mais dont les émissions sont inférieures à la moyenne de l’industrie et ne contiennent pas d’actifs polluants.

« Compte tenu des avis scientifiques et des progrès technologiques actuels, ainsi que des différents défis de transition entre les États membres, la Commission considère que le gaz naturel et l’énergie nucléaire ont un rôle à jouer pour faciliter la transition vers un avenir principalement basé sur les énergies renouvelables, “, a déclaré l’Européen. Commission a déclaré dans un communiqué.

Pour aider les États ayant des antécédents énergétiques différents à faire la transition, “sous certaines conditions, des solutions peuvent avoir du sens, car elles ne semblent pas exactement” vertes “à première vue”, a déclaré à Reuters une source de la Commission, ajoutant que les investissements dans le gaz et le nucléaire qu’ils serait confronté à des “conditions strictes”. “

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Contenu de l’article

Les pays de l’UE et un panel d’experts analyseront le projet de proposition, qui pourrait changer avant sa publication plus tard en janvier. Une fois publié, il pourrait faire l’objet d’un veto de la plupart des pays de l’UE ou du Parlement européen.

La politique est mêlée au lobbying du gouvernement depuis plus d’un an et les pays de l’UE ne sont pas d’accord sur les carburants vraiment durables.

Le gaz naturel émet environ la moitié des émissions de CO2 du charbon lorsqu’il est brûlé dans les centrales électriques, mais les infrastructures gazières sont également associées à des fuites de méthane, un gaz puissant qui réchauffe la planète.

Les conseillers de l’UE avaient recommandé que les usines à gaz ne soient pas étiquetées comme des investissements verts à moins qu’elles ne respectent une limite d’émissions inférieure de 100 g CO2e / kWh, sur la base des réductions d’émissions importantes que les scientifiques jugent nécessaires pour éviter un changement climatique catastrophique.

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Contenu de l’article

L’énergie nucléaire produit de très faibles émissions de CO2, mais la Commission a demandé cette année l’avis d’experts sur la question de savoir si le combustible devait être considéré comme vert compte tenu de l’impact environnemental potentiel de l’élimination des déchets radioactifs.

Certains militants écologistes et législateurs verts de l’UE ont critiqué la proposition divulguée sur le gaz et l’énergie nucléaire.

“En les incluant (…) la Commission risque de compromettre la crédibilité du rôle de l’UE en tant que marché leader de la finance durable”, a déclaré le président des Verts Philippe Lamberts.

L’Autriche s’oppose à l’énergie nucléaire, ainsi que des pays comme l’Allemagne et le Luxembourg. Les États de l’UE, dont la République tchèque, la Finlande et la France, qui tirent environ 70 % de leur énergie du combustible, considèrent l’énergie nucléaire comme cruciale pour éliminer progressivement l’énergie provenant du charbon émetteur de CO2. (Reportage de Kate Abnett ; Reportage supplémentaire de Sabine Siebold ; Montage par Frances Kerry et Louise Heavens)

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