gstar28 login ( MENAFN - EIN Presswire) ZOETERMEER, NETHERLANDS, December 16, 2024 /EINPresswire / -- EasyDMARC, a vendor of the cloud-native email security and deliverability platform, announced today a strategic partnership with Helibytes Sdn Bhd, a leading managed Service Provider based in Kuala Lumpur, Malaysia. This partnership will help Helibytes's clients protect their email domains from being used for phishing and other fraudulent activities, as well as improve their email deliverability rate. Email security has become a significant concern for businesses of all sizes as cyberattacks, such as phishing and spoofing, are becoming increasingly sophisticated. Verizon DBIR 2021 mentions that 93% of all successful cyberattacks begin with a phishing email. In light of this, Helibytes has taken a proactive approach to help its clients secure their email domains and protect their sensitive information. “We are excited to partner with EasyDMARC as an MSP to help organizations in Malaysia and Southeast Asia strengthen their email security ecosystem. By leveraging best practices, we aim to guide businesses in deploying essential email authentication protocols like BIMI and MTA-STS, bolstering existing email security, deliverability, and brand trust. With the support of local experts, we are committed to delivering solutions that protect against email threats and empower organizations to build resilience email communication with confidence,” said Fariz Alli, Founder of Helibytes. "We are thrilled to welcome Helibytes to our growing partner network. Their commitment to delivering exceptional IT services and support to their clients aligns perfectly with our mission to make email safer for everyone," said Gerasim Hovhannisyan, CEO of EasyDMARC. The DMARC standard enables the automatic flagging and removal of receiving emails that are impersonating senders' domains. It is a crucial way to prevent outbound phishing and spoofing attempts. About Helibytes Founded in 2019, Helibytes delivers cutting-edge technology solutions in cybersecurity, IT infrastructure modernization, and enterprise applications for diverse businesses. We are dedicated to providing superior solutions and professional services, leveraging our in-house local expertise and hands-on experience for both domestic and international clients. About EasyDMARC EasyDMARC is a cloud-native B2B SaaS to solve email security and deliverability problems in just a few clicks. With advanced tools, such as its AI-powered DMARC Report Analyser, DMARC, SPF, DKIM cloud management solutions, and email source reputation monitoring, EasyDMARC's platform helps customers stay safe and maintain the health of their domains without risk. Anush Yolyan EasyDMARC Inc. +1 8885635277 email us here Legal Disclaimer: EIN Presswire provides this news content "as is" without warranty of any kind. We do not accept any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information contained in this article. If you have any complaints or copyright issues related to this article, kindly contact the author above. MENAFN15122024003118003196ID1108995553 Legal Disclaimer: MENAFN provides the information “as is” without warranty of any kind. We do not accept any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information contained in this article. If you have any complaints or copyright issues related to this article, kindly contact the provider above.Trump's team is delaying transition agreements. What does it mean for security checks and governing?NEW YORK (AP) — With the end of 2024 around the corner, you might be reflecting on financial goals for 2025. Whether you're saving to move out of your parents' house or pay off student loan debt, financial resolutions can help you stay motivated, said Courtney Alev, consumer advocate for Credit Karma. “Entering a new year doesn’t erase all our financial challenges from the prior year," Alev said. “But it can really help to bring a fresh-start mentality to how you’re managing your finances.” If you’re planning to make financial resolutions for the new year, experts recommend that you start by evaluating the state of your finances in 2024. Then, set specific goals and make sure they're attainable for your lifestyle. Here are some tips from experts: Change your relationship with money Think about how you currently deal with finances — what's good, what's bad, and what can improve. “Let this be the year you change your relationship with money,” said Ashley Lapato, personal finance educator for YNAB, a budgeting app. If you feel like money is a chore, that there's shame surrounding the topic of money, or like you were born being “bad at money,” it's time to change that mentality, Lapato said. To adjust your approach, Lapato recommends viewing money goals as an opportunity to imagine your desired lifestyle in the future. She recommends asking questions like, “What do my 30s look like? What do my 40s look like?” and using money as a means to get there. Liz Young Thomas, head of SoFi Investment Strategy, added that it’s key you forgive yourself for past mistakes in order to move into the new year with motivation. Know your “why” When setting your financial resolutions for 2025, it's important to establish the “why” of each, said Matt Watson, CEO of Origin, a financial tracking app. “If you can attach the financial goal to a bigger life goal, it’s much more motivating and more likely you’ll continue on that path,” Watson said. Whether you're saving to buy a house, pay off credit card debt or take a summer vacation, being clear about the goal can keep you motivated. Watson also recommends using a tool to help you keep track of your finances, such as an app, spreadsheet, or website. Budget, budget, budget “After three years of inflation, your pay increases are likely still playing catch up to your monthly expenses, leaving you wondering where all the money is going," said Greg McBride, chief financial analyst at Bankrate. "Make that monthly budget for 2025 and resolve to track your spending against it throughout the year." McBride said that you may need to make adjustments during the year as certain expenses increase, which would require cutting back in other areas. “Calibrate your spending with your income, and any month you spend less than budgeted, transfer the difference into your savings account, ideally a high-yield savings account,” he said. Pay down outstanding debt “Interest rates aren’t likely to come down very fast, so you’re still going to have to put in the hard work of paying down debt, especially high-cost credit card debt, and do so with urgency,” McBride said. Start by taking stock of how much debt you have now relative to the beginning of the year. Hopefully you’ve made steady progress on paying it down, but, if you’ve gone in the other direction, McBride encourages making a game plan. That includes looking into 0% balance transfer offers. Take control of your credit card interest rate “You have more power over credit card interest rates than you think you do," said Matt Schulz, chief credit analyst at LendingTree. “Wielding that power is one of the best moves you can make in 2025.” A 0% balance transfer credit card is “a good weapon” in the fight against high card APRs, or annual percentage rates, he said. A low-interest personal loan is an option as well. You may simply be able to pick up the phone and ask for a lower interest rate. LendingTree found that a majority of people who did that in 2024 were successful, and the average reduction was more than 6 points. Set realistic, practical goals When planning for your financial resolutions, it’s important to consider how you’re going to make your goals sustainable for your lifestyle, said Credit Karma's Alev. “It really is a marathon, not a sprint,” Alev said. Alev recommends setting realistic, practical goals to make it easier to stick with them. For example, instead of planning to save thousands of dollars by the end of the year, start by saving $20 a paycheck. Even when your plans are achievable, there are times you'll get derailed. Maybe it’s an unexpected medical bill or an extraordinary life event. When these situations happen, Alev recommends trying not to feel defeated and working to get back on track without feeling guilty. Don't bury your head in the sand “You can't manage what you can't see, so set a New Year’s resolution to check your credit score monthly in 2025," said Rikard Bandebo, chief economist at VantageScore. “Be sure to pay more than the minimum on your credit accounts, as that's one of the best ways to boost your credit score.” Bandebo also advises student loan borrowers to make all payments on time, as servicers will begin to report late payments starting in January, and missed payments will affect borrowers' credit scores. Automate savings, where possible Automated changes, like increasing workplace 401(k) plan contributions, setting up direct deposits from paychecks into dedicated savings accounts, and arranging for monthly transfers into an IRA and/or 529 college savings accounts all add up quickly, McBride said. Slow down Your financial goals can encompass more than just managing your money better — they can also be about keeping your money safe from scams . A golden rule to protect yourself from scams is to “slow down,” said Johan Gerber, executive vice president of security solutions at Mastercard. “You have to slow down and talk to other people if you’re not sure (whether or not) it’s scam,” said Gerber, who recommends building an accountability system with family to keep yourself and your loved ones secure. Scammers use urgency to make people fall for their tricks, so taking your time to make any financial decision can keep you from losing money. Focus on financial wellness Your financial goals don’t always have to be rooted in a dollar amount — they can also be about well-being. Finances are deeply connected with our mental health, and, to take care of our money, we also need to take care of ourselves. “I think that now more than any other year, your financial wellness should be a resolution," said Alejandra Rojas, personal finance expert and founder of The Money Mindset Hub, a mentoring platform for women entrepreneurs. "Your mental health with money should be a resolution.” To focus on your financial wellness, you can set one or two goals focusing on your relationship with money. For example, you could find ways to address and resolve financial trauma, or you could set a goal to talk more openly with loved ones about money, Rojas said. —— The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism. Copyright 2024 The Associated Press . All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

The United States saw an 18.1% increase in homelessness this year, a dramatic rise driven mostly by a lack of affordable housing as well as devastating natural disasters and a surge of migrants in several parts of the country, federal officials said Friday. The U.S. Department of Housing and Urban Development said federally required tallies taken across the country in January found more than 770,000 people were counted as homeless — a number that misses some people and does not include those staying with friends or family because they don't have a place of their own. That increase comes on top of a 12% increase in 2023, which HUD blamed on soaring rents and the end of COVID-19 pandemic assistance. The 2023 increase also was driven by people experiencing homelessness for the first time. The numbers overall represent 23 of every 10,000 people in the U.S., with Black people being overrepresented among the homeless population. A man walks past a homeless encampment Oct. 25, 2023, in downtown Los Angeles. "No American should face homelessness, and the Biden-Harris Administration is committed to ensuring every family has access to the affordable, safe, and quality housing they deserve," HUD Agency Head Adrianne Todman said in a statement, adding that the focus should remain on "evidence-based efforts to prevent and end homelessness." Among the most concerning trends was a nearly 40% rise in family homelessness — one of the areas that was most affected by the arrival of migrants in big cities. Family homelessness more than doubled in 13 communities impacted by migrants including Denver, Chicago and New York City, according to HUD, while it rose less than 8% in the remaining 373 communities. Almost 150,000 children experienced homelessness on a single night in 2024, reflecting a 33% jump from last year. Disasters also played a part in the rise in the count, especially last year's catastrophic Maui wildfire, the deadliest U.S. wildfire in more than a century. More than 5,200 people were in emergency shelters in Hawaii on the night of the count. Louisiana Wildlife and Fisheries agents assist state police as they order people living in a homeless encampment to move to a different designated location during a sweep ahead of a Taylor Swift concert in New Orleans. "Increased homelessness is the tragic, yet predictable, consequence of underinvesting in the resources and protections that help people find and maintain safe, affordable housing," Renee Willis, incoming interim CEO of the National Low Income Housing Coalition, said in a statement. "As advocates, researchers, and people with lived experience have warned, the number of people experiencing homelessness continues to increase as more people struggle to afford sky-high housing costs." Robert Marbut Jr., the former executive director of the U.S. Interagency Council on Homelessness from 2019 to 2021, called the nearly 33% increase in homelessness over the past four years "disgraceful" and said the federal government needs to abandon efforts to prioritize permanent housing. "We need to focus on treatment of substance use and mental illness, and bring back program requirements, like job training," Marbut said in an email. The numbers also come as increasing numbers of communities are taking a hard line against homelessness. People living in a homeless encampment pick up belongings Oct. 23 after Louisiana State Police ordered them to move to a different designated location during a sweep ahead of a Taylor Swift concert in New Orleans. Angered by often dangerous and dirty tent camps, communities — especially in Western states — have enforced bans on camping. That follows a 6-3 ruling this summer by the Supreme Court that found outdoor sleeping bans don’t violate the Eighth Amendment. Homeless advocates argued that punishing people who need a place to sleep would criminalize homelessness. There was some positive news in the count, as homelessness among veterans continued to trend downward. Homelessness among veterans dropped 8% to 32,882 in 2024. It was an even larger decrease for unsheltered veterans, declining 11% to 13,851 in 2024. "The reduction in veteran homelessness offers us a clear roadmap for addressing homelessness on a larger scale," Ann Oliva, CEO of the National Alliance to End Homelessness, said in a statement. "With bipartisan support, adequate funding, and smart policy solutions, we can replicate this success and reduce homelessness nationwide. Federal investments are critical in tackling the country's housing affordability crisis and ensuring that every American has access to safe, stable housing." Several large cities had success bringing down their homeless numbers. Dallas, which worked to overhaul its homeless system, saw a 16% drop in its numbers between 2022 to 2024. Los Angeles, which increased housing for the homeless, saw a drop of 5% in unsheltered homelessness since 2023. A rat sniffs the hand of a sleeping man experiencing homelessness Dec. 18 in downtown Los Angeles. California, the most populous state in the U.S., continued to have the nation's largest homeless population, followed by New York, Washington, Florida and Massachusetts. The sharp increase in the homeless population over the past two years contrasts with success the U.S. had for more than a decade. Going back to the first 2007 survey, the U.S. made steady progress for about a decade in reducing the homeless population as the government focused particularly on increasing investments to get veterans into housing. The number of homeless people dropped from about 637,000 in 2010 to about 554,000 in 2017. The numbers ticked up to about 580,000 in the 2020 count and held relatively steady over the next two years as Congress responded to the COVID-19 pandemic with emergency rental assistance, stimulus payments, aid to states and local governments and a temporary eviction moratorium. Homelessness is intertwined with the cost of living, and the high cost of living is hitting older adults fairly hard. A for the Department of Health and Human Services found that older adults are the fastest-growing cohort of the homeless population. Emergency housing for seniors can keep that number from climbing higher. details how to access it. The number of homeless seniors isn't based solely on people remaining homeless as they age; it also includes those whose first experience with homelessness came after they turned 50. In 2023, The (HUD) reported that 1 in 5 homeless people were over the age of 55. For seniors and other older adults, fixed incomes make it hard to battle the ever-increasing cost of expenses. cites that 2.35 million older adults are paying over half of their limited income to rent. Based on , that's exactly why 1 in 15 retired seniors worry about losing their homes. Shelter use in homeless people older than 51 has from 2007 to 2017, according to the HUD. But luckily, so has the number of shelters. Between 2022 and 2023, the HUD reports that emergency shelters added 28,760 more beds in emergency shelters, though this is a reduction in the amount of beds available during the thick of the COVID-19 pandemic. Emergency homeless assistance, or emergency housing, is a temporary solution. It's designed to provide shelter while those facing housing instability figure out their next step. Emergency housing for homeless seniors gives someone the immediate ability to remain housed and safely sheltered. Local nonprofits are often involved in placing people experiencing homelessness or housing instability into emergency shelters. Low-income seniors, and might not make rent, or seniors who need to leave their homes for other reasons can use emergency housing. Many cities have their own emergency housing programs. There are also nationwide programs that provide emergency housing for seniors. The internet is the fastest tool for locating local emergency housing. Libraries have free internet access, for those who might not have a computer or Wi-Fi to begin their search. The list below leads to websites that include phone numbers for emergency homeless assistance. Seniors in need of immediate assistance and resources should call 2-1-1 or . The 2-1-1 crisis hotline partners with United Way, which is committed to helping homeless seniors find local shelters or access transitional housing. The service can also connect seniors with other resources, including food, mental health support, or funding for health care expenses. Calling 2-1-1 is often required as a prerequisite before trying to get into a shelter or obtaining other assistance. Because 2-1-1 is for people in crisis, there are no eligibility requirements. However, some programs seniors may access through 2-1-1 do have eligibility requirements. Seniors can simply dial 2-1-1 from nearly anywhere in the U.S. to be put in touch with the programs and resources they need. Designed specifically for seniors, people with disabilities, and low-income families, the is a federal program offering low-income housing options and rent assistance. These vouchers are available through your local public housing agency (PHA). This program enables and encourages participants to choose their own housing. Housing options don't need to be a part of subsidized housing projects, but there are limits on unit size. Typically, participants must pay 30% of their monthly adjusted income towards their rent, and the voucher program pays the remainder. Applicant income and family size help the PHA determine eligibility. Citizenship and eligible immigration status also play a factor. The family's income cannot exceed 50% of the median income for the county or metropolitan area where they're applying to live. Of the vouchers, 75% must go to people whose income is at or less than 30% of their area's median income. Contact your . helps expand the supply of affordable housing with supportive services for seniors. This program gives low-income seniors options that allow them to live independently, with support for cooking, cleaning, transportation, etc. This program is open to any very low-income household that has at least one person 62 years old or older. Applicants must submit an application in response to a Notice of Funding Availability (NOFA) posted on . was created as emergency homeless assistance for veterans. Its goal is to give homeless veterans access to permanent housing through public housing authorities. Veterans receive rental assistance through the HUD Housing Choice Voucher program and additional case management services through the VA. By December 2023, the HUD had allocated nearly 112,000 vouchers to help house veterans nationwide. To help veterans achieve stability and remain housed, VA case managers may connect veterans with support services such as health care, mental health treatment, and substance use counseling. If you or your loved one is a low-income senior with eligible military service, you may apply. Your local VA can tell you if your service qualifies you for HUD-VASH. Senior veterans may apply online or call (877) 424-3838. to learn more about the emergency housing options for seniors available in your state. Low-income seniors who aren't in or might find themselves facing housing instability. Emergency housing for seniors can help you or your loved one seek shelter. Crisis hotlines and public housing agencies can offer support. Finding emergency housing for seniors depends heavily on your area. The first step is to call the Crisis Hotline at 2-1-1. Finding a shelter takes less time than applying and getting approved for low-income housing voucher programs. The 2-1-1 hotline can direct you to local resources and locators. Yes and no. The duration depends on the type of housing. Shelters have limits that vary. Some shelters allow people to stay for up to six months, though that can vary based on demand. Seniors can remain in Section 202 supportive housing as long as they meet age and income requirements. Yes. Many counties have financial emergency programs that help seniors handle home repairs or short-term financial crises like utility shutoff. These programs allow the senior to focus their funds on their rent or mortgage. Stay up-to-date on the latest in local and national government and political topics with our newsletter.PRAGUE, Czech Republic (AP) — When the referee whistled for the free kick just outside the area, Atletico Madrid forward Julián Álvarez quickly picked up the ball and moved in position to take the shot. “When I saw the free kick, I told Rodri (Rodrigo De Paul) that I felt confident with the shot,” Álvarez said. “And it was a great goal.” Álvarez, Atletico's main signing in the offseason , has not been lacking confidence lately. The Argentina forward curled in the free kick shot in the 15th minute for the first of his two goals in the team’s 6-0 rout of Brest in the Champions League on Tuesday — the team’s biggest ever away win in European competitions. “We'll keep rotating who takes the free kicks,” said Álvarez, who also found the net in the 59th. It was Álvarez’s seventh goal in the last 10 matches, and third in his last three games across all competitions. The 24-year-old had a slow start to his first season with Atletico, scoring twice in 10 matches. “It was a matter of time before we started connecting well with each other,” said Álvarez, who joined Atletico after two seasons at Manchester City. “We have to stay on this path to keep improving.” Ángel Correa also scored two goals for Atletico, with Marcos Llorente and Antoine Griezmann adding one each. “We know that in this format of the competition we need to keep adding the three points and scoring goals," Álvarez said. "It's important to get the points and the goals.” Atletico was sitting in 13th place in the 36-team league standings. AP soccer: https://apnews.com/hub/soccer

After Trump's win, Black women are rethinking their role as America's reliable political organizersPopulation Health Management Market is Expected to Exhibit a CAGR Of 12.8% During the Forecast Period (2024-2031) | Allscripts Healthcare Solutions Inc., Cerner Corporation, Conifer Health Solutions, Epic Systems CorporationMeteorologist Devon Lucie steps us through the Thanksgiving Day forecast timing the arrival of a cold front, when and where rain will be in relation to where you are, how temperatures are affected. what the risk for strong, possibly severe storms will be and what impacts they could bring, then breaking down the day's forecast along with the Tulane football game outlook, then shows you how much colder it will get through the rest of the holiday weekend highlighting the coldest times and when some of our first "cold alerts" of the season are likeliest, then finishes with your seven day forecast.

Residential Shredding Service Market Overview and Leading Players: PROSHRED, Shred-it, GFL Environmental Inc, Time Shred Services, Chesapeake Paper Systems, All Points Mobile Shredding, Simply Shredding Tonbridge, ShredQuick 12-15-2024 08:19 PM CET | Industry, Real Estate & Construction Press release from: STATS N DATA Residential Shredding Service Market The Residential Shredding Service Market plays a crucial role in safeguarding sensitive information and promoting sustainable waste management practices. In an era where data privacy is paramount, and environmental concerns are at the forefront, residential shredding services have emerged as an essential solution for households aiming to responsibly dispose of confidential documents. The relevance of this market spans across various applications, from personal use for individuals to commercial use for small businesses. Recent developments in this sector have been largely driven by technological advancements and strategic collaborations among key players. The integration of sophisticated digital tools and shredding technologies has enhanced the efficiency and security of document shredding services. Moreover, partnerships between shredding companies and environmental organizations have fostered practices that not only prioritize data security but also contribute positively to environmental sustainability. As consumer awareness around data protection and environmental impact grows, actionable insights into current trends indicate a shift towards more sustainable shredding practices. The market is expected to evolve continually, driven by these dynamics, encouraging service providers to innovate and adapt their offerings to meet changing consumer demands. You can access a sample PDF report here: https://www.statsndata.org/download-sample.php?id=93811 Key Growth Drivers and Trends Several factors are influencing the demand for residential shredding services. Sustainability has become a significant driver, with consumers increasingly seeking eco-friendly disposal options that minimize their carbon footprint. Shredding services that incorporate recycling practices not only help in protecting sensitive information but also contribute to a circular economy, appealing to environmentally conscious consumers. Digitization is another critical driver reshaping the market landscape. As more personal and sensitive documents are created digitally, the need for secure disposal of physical copies remains high. Additionally, heightened consumer awareness regarding data privacy has led to an increase in demand for reliable shredding services, as individuals and businesses alike prioritize safeguarding their information. Current trends further include the integration of artificial intelligence (AI) in shredding services, allowing for enhanced sorting and processing capabilities that streamline operations. Product customization is also on the rise, as consumers demand tailored solutions that fit their specific shredding needs. Emerging technologies, such as Internet of Things (IoT) systems, are set to revolutionize the residential shredding service market, offering real-time monitoring and management of shredding processes. Market Segmentation The Residential Shredding Service Market can be segmented based on type and application: *Segment by Type* - Disposable Paper Shredding Service: This service is designed for customers needing occasional shredding, often offered as a one-time solution for document disposal. - Regular Shredding Service: Aimed at customers requiring ongoing shredding solutions, this service often includes scheduled pickups and secure shredding processes. - Others: This category encompasses specialized shredding services that may cater to unique customer needs or specific materials. *Segment by Application* - Personal: Targeting individual consumers, this segment includes services tailored for home users looking to securely dispose of personal documents. - Commercial: This segment focuses on businesses and organizations that require regular shredding services to maintain confidentiality and comply with data protection regulations. Get 30% Discount On Full Report: https://www.statsndata.org/ask-for-discount.php?id=93811 Competitive Landscape The competitive landscape of the Residential Shredding Service Market is characterized by several key players, each contributing to the market's growth and innovation: - PROSHRED: Known for its commitment to security and sustainability, PROSHRED offers mobile shredding services that ensure on-site document destruction. - Shred-it: A leader in the industry, Shred-it provides tailored shredding solutions for both personal and commercial clients, emphasizing compliance and data protection. - GFL Environmental Inc: This company combines shredding services with a strong focus on environmental responsibility, promoting recycling and waste reduction. - Time Shred Services: Time Shred Services emphasizes convenience with flexible scheduling and on-site shredding, catering to both personal and business needs. - Chesapeake Paper Systems: Providing innovative shredding solutions, Chesapeake focuses on advanced technology to enhance the shredding process. - All Points Mobile Shredding: This company offers mobile shredding services, ensuring secure document destruction at the customer's location. - Simply Shredding Tonbridge: A trusted name in the UK, Simply Shredding provides reliable shredding services with a focus on customer satisfaction. - ShredQuick: With an emphasis on speed and efficiency, ShredQuick offers same-day shredding services for urgent document disposal needs. - Rogue Disposal & Recycling: This company combines shredding with recycling services, promoting sustainable waste management practices. - Ohio Mobile Shredding: Known for its mobile shredding capabilities, Ohio Mobile Shredding provides secure and convenient shredding solutions. - Papersavers: Focused on document security, Papersavers offers comprehensive shredding services for both personal and commercial clients. - Recycling.com: This company integrates shredding with broader recycling initiatives, contributing to environmental sustainability. - Access: With a focus on data protection, Access provides secure shredding solutions tailored to client needs. - Security Shredding: Specializing in high-security shredding, this company ensures compliance with stringent data protection regulations. - Pacific Shredding: A provider of mobile shredding services, Pacific Shredding emphasizes convenience and security for clients. - Total Shred: Total Shred is known for its commitment to customer service and secure shredding practices. - Iron Mountain: A leader in information management, Iron Mountain combines shredding with comprehensive data protection services. - Shred Nations: Offering a network of shredding solutions, Shred Nations connects customers with local shredding providers. - The UPS Store: Known for its wide range of shipping and service options, The UPS Store also offers convenient shredding services. - Office Depot: This retail giant provides quick and accessible shredding services, catering to the needs of individual consumers and small businesses. - Mansfield Shredding: Mansfield Shredding is recognized for its reliable and secure shredding services tailored to client needs. - Corodata: Specializing in secure document management, Corodata offers shredding services that ensure data protection. - Pellitteri: A provider dedicated to sustainability, Pellitteri combines shredding services with eco-friendly practices. - TrueShred: TrueShred emphasizes on-site shredding solutions that prioritize customer convenience and security. - ATI SecureDocs: Focused on high-security shredding, ATI SecureDocs offers tailored solutions for sensitive data disposal. These companies are instrumental in shaping market trends and driving innovations that enhance service offerings and consumer satisfaction. Opportunities and Challenges The Residential Shredding Service Market presents numerous opportunities for growth, particularly in untapped regions where awareness of data security and sustainability is still developing. As consumer preferences evolve towards more sustainable and secure document disposal methods, service providers can expand their offerings to cater to these changing demands. Emerging technologies also present opportunities for innovation in shredding processes, allowing companies to improve efficiency and reduce costs. Additionally, as remote work becomes more prevalent, the demand for residential shredding services is likely to increase, presenting a fertile ground for market expansion. However, challenges persist in the form of regulatory constraints that may impact operational practices. Compliance with data protection laws requires shredding companies to maintain rigorous standards, which can lead to increased operational costs. Additionally, operational inefficiencies can arise from outdated technologies or processes, hindering companies' ability to scale effectively. Talent shortages in the specialized field of document management and shredding can also pose a significant challenge. Companies may need to invest in training programs and partnerships with educational institutions to cultivate a skilled workforce capable of meeting the industry's demands. Technological Advancements Technological advancements are fundamentally changing the landscape of the Residential Shredding Service Market. The integration of artificial intelligence (AI) in shredding operations is streamlining processes, allowing for better sorting and management of documents before shredding. AI-driven analytics is helping companies understand customer behavior and preferences, enabling them to tailor services accordingly. Additionally, the adoption of virtual tools is enhancing customer service, allowing clients to schedule shredding pickups online and track their service in real-time. IoT-driven systems are further revolutionizing the industry by enabling remote monitoring of shredding equipment, ensuring optimal performance and efficiency. These technological innovations not only improve operational efficiency but also enhance security measures, providing customers with peace of mind regarding their sensitive information. Research Methodology and Insights STATS N DATA employs a comprehensive research methodology to deliver accurate insights into the Residential Shredding Service Market. Utilizing both top-down and bottom-up approaches, the research team gathers data from various sources to ensure a holistic understanding of market dynamics. Primary research involves interviews with key industry stakeholders, including service providers and customers, to gather firsthand insights into market trends and customer preferences. Secondary research includes analyzing industry reports, market studies, and academic publications to supplement primary data. The triangulation of findings ensures accuracy and reliability, allowing STATS N DATA to present actionable insights that empower stakeholders to make informed decisions in this rapidly evolving market. In conclusion, the Residential Shredding Service Market is positioned for significant growth, driven by technological advancements and increasing consumer awareness. As the landscape continues to evolve, stakeholders must remain agile and innovative to capitalize on emerging opportunities while navigating the challenges ahead. For customization requests, please visit: https://www.statsndata.org/request-customization.php?id=93811 Full Residential Shredding Service Market Report Link: https://www.statsndata.org/report/Global-Residential-Shredding-Service-Market-93811 Related Reports: UX Research Tool Market https://www.statsndata.org/report/ux-research-tool-market-75760 IBC Intermediate Bulk Containers Rental Business Market https://www.statsndata.org/report/ibc-intermediate-bulk-containers-rental-business-market-7390 GaN LiDAR Chips Market https://www.statsndata.org/report/gan-lidar-chips-market-100204 360 Degree Automotive Surround View Camera System Market https://www.statsndata.org/report/360-degree-automotive-surround-view-camera-system-market-32662 Medical Device CDMO Market https://www.statsndata.org/report/medical-device-cdmo-market-9355 John Jones Sales & Marketing Head | Stats N Data Phone: +1 (315) 642-4324 Email: sales@statsndata.org Website: www.statsndata.org STATS N DATA is a trusted provider of industry intelligence and market research, delivering actionable insights to businesses across diverse sectors. We specialize in helping organizations navigate complex markets with advanced analytics, detailed market segmentation, and strategic guidance. Our expertise spans industries including technology, healthcare, telecommunications, energy, food & beverages, and more. Committed to accuracy and innovation, we provide tailored reports that empower clients to make informed decisions, identify emerging opportunities, and achieve sustainable growth. Our team of skilled analysts leverages cutting-edge methodologies to ensure every report addresses the unique challenges of our clients. At STATS N DATA, we transform data into knowledge and insights into success. Partner with us to gain a competitive edge in today's fast-paced business environment. For more information, visit https://www.statsndata.org or contact us today at sales@statsndata.org This release was published on openPR.With the end of 2024 around the corner, you might be reflecting on financial goals for 2025. Whether you're saving to move out of your parents' house or pay off student loan debt, financial resolutions can help you stay motivated, said Courtney Alev, consumer advocate for Credit Karma. “Entering a new year doesn’t erase all our financial challenges from the prior year," Alev said. “But it can really help to bring a fresh-start mentality to how you’re managing your finances.” If you’re planning to make financial resolutions for the new year, experts recommend that you start by evaluating the state of your finances in 2024. Then, set specific goals and make sure they're attainable for your lifestyle. Here are some tips from experts: Change your relationship with money Think about how you currently deal with finances — what's good, what's bad, and what can improve. “Let this be the year you change your relationship with money,” said Ashley Lapato, personal finance educator for YNAB, a budgeting app. If you feel like money is a chore, that there's shame surrounding the topic of money, or like you were born being “bad at money,” it's time to change that mentality, Lapato said. To adjust your approach, Lapato recommends viewing money goals as an opportunity to imagine your desired lifestyle in the future. She recommends asking questions like, “What do my 30s look like? What do my 40s look like?” and using money as a means to get there. Liz Young Thomas, head of SoFi Investment Strategy, added that it’s key you forgive yourself for past mistakes in order to move into the new year with motivation. Know your “why” When setting your financial resolutions for 2025, it's important to establish the “why” of each, said Matt Watson, CEO of Origin, a financial tracking app. “If you can attach the financial goal to a bigger life goal, it’s much more motivating and more likely you’ll continue on that path,” Watson said. Whether you're saving to buy a house, pay off credit card debt or take a summer vacation, being clear about the goal can keep you motivated. Watson also recommends using a tool to help you keep track of your finances, such as an app, spreadsheet, or website. Budget , budget, budget “After three years of inflation, your pay increases are likely still playing catch up to your monthly expenses, leaving you wondering where all the money is going," said Greg McBride, chief financial analyst at Bankrate. "Make that monthly budget for 2025 and resolve to track your spending against it throughout the year." McBride said that you may need to make adjustments during the year as certain expenses increase, which would require cutting back in other areas. “Calibrate your spending with your income, and any month you spend less than budgeted, transfer the difference into your savings account, ideally a high-yield savings account,” he said. Pay down outstanding debt “Interest rates aren’t likely to come down very fast, so you’re still going to have to put in the hard work of paying down debt, especially high-cost credit card debt, and do so with urgency,” McBride said. Start by taking stock of how much debt you have now relative to the beginning of the year. Hopefully you’ve made steady progress on paying it down, but, if you’ve gone in the other direction, McBride encourages making a game plan. That includes looking into 0% balance transfer offers. Take control of your credit card interest rate “You have more power over credit card interest rates than you think you do," said Matt Schulz, chief credit analyst at LendingTree. “Wielding that power is one of the best moves you can make in 2025.” A 0% balance transfer credit card is “a good weapon” in the fight against high card APRs , or annual percentage rates, he said. A low-interest personal loan is an option as well. You may simply be able to pick up the phone and ask for a lower interest rate. LendingTree found that a majority of people who did that in 2024 were successful, and the average reduction was more than 6 points. Set realistic, practical goals When planning for your financial resolutions, it’s important to consider how you’re going to make your goals sustainable for your lifestyle, said Credit Karma's Alev. “It really is a marathon, not a sprint,” Alev said. Alev recommends setting realistic, practical goals to make it easier to stick with them. For example, instead of planning to save thousands of dollars by the end of the year, start by saving $20 a paycheck. Even when your plans are achievable, there are times you'll get derailed. Maybe it’s an unexpected medical bill or an extraordinary life event. When these situations happen, Alev recommends trying not to feel defeated and working to get back on track without feeling guilty. Don't ‘flamingo' or bury your head in the sand “You can't manage what you can't see, so set a New Year’s resolution to check your credit score monthly in 2025," said Rikard Bandebo, chief economist at VantageScore. “Be sure to pay more than the minimum on your credit accounts, as that's one of the best ways to boost your credit score.” Bandebo also advises student loan borrowers to make all payments on time, as servicers will begin to report late payments starting in January, and missed payments will affect borrowers' credit scores. Automate savings, where possible Automated changes, like increasing workplace 401(k) plan contributions, setting up direct deposits from paychecks into dedicated savings accounts, and arranging for monthly transfers into an IRA and/or 529 college savings accounts all add up quickly, McBride said. Slow down Your financial goals can encompass more than just managing your money better — they can also be about keeping your money safe from scams. A golden rule to protect yourself from scams is to “slow down,” said Johan Gerber, vice president of security solutions at Mastercard. “You have to slow down and talk to other people if you’re not sure (whether or not) it’s scam,” said Gerber, who recommends building an accountability system with family to keep yourself and your loved ones secure. Scammers use urgency to make people fall for their tricks, so taking your time to make any financial decision can keep you from losing money. Focus on financial wellness Your financial goals don’t always have to be rooted in a dollar amount — they can also be about well-being. Finances are deeply connected with our mental health, and, to take care of our money, we also need to take care of ourselves. “I think that now more than any other year, your financial wellness should be a resolution," said Alejandra Rojas, personal finance expert and founder of The Money Mindset Hub, a mentoring platform for women entrepreneurs. "Your mental health with money should be a resolution.” To focus on your financial wellness, you can set one or two goals focusing on your relationship with money. For example, you could find ways to address and resolve financial trauma, or you could set a goal to talk more openly with loved ones about money, Rojas said. —— The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.

Clay scores 16, Morehead State defeats Kentucky Christian 86-63

One former member of the New York Yankees has found a new home. Former Yankees All-Star Gleyber Torres spent the last seven seasons with New York. Over that stretch, he was named an All-Star twice and developed into one of the best offensive second basemen in baseball. Torres is just 28 years old now, but the Yankees didn't show much interest in bringing the former All-Star back to town. Because of this, he reportedly landed a one-year, $15 million deal with the Detroit Tigers on Friday, according to ESPN's Jesse Rogers and the New York Post's Jon Heyman. "Free agent Gleyber Torres is in agreement with the Detroit Tigers on a one-year, $15 million contract, sources tell ESPN," Rogers said. "Torres had a great ALCS after a bit of down year on the power side for the Yankees. He'll start at second baseman for Detroit. Jon Heyman was first with the agreement." Torres took to social media with a heartfelt message to thank Yankees fans afterward. "Wow, where to start or how to start," Torres said. "Thank you. The Yankees were my family since 2016. A simple boy from Venezuela with great aspirations to play in the most epic city in the world, the Yankees gave me all the love and support I needed to achieve my childhood dream. Wearing pinstripes was an honor for me and my family... "Yankees Fans, thank you for everything. Thank you for the unconditional support, you were always there to motivate me when I had good times and, not-so-good times." You can read the entire message here. Hopefully, he can find success in Detroit and cash in next offseason. More MLB: One $49 million move Yankees can make to replace Gleyber TorresRemember Y2K? It was 1999 and many were sure civilization was about to end

Biden calls Israel and Hezbollah ceasefire 'good news' as sides come to terms to pause fighting JERUSALEM (AP) — President Joe Biden called Israel and Hezbollah’s ceasefire agreement “good news” and expressed hope that the pause in more than 13 months of fighting will be a catalyst to also end the war in Gaza. Israeli Prime Minister Benjamin Netanyahu said earlier that his security Cabinet had approved a ceasefire deal with Hezbollah, clearing the way for the truce to take effect. Also on Tuesday, Israeli warplanes struck across Lebanon, killing at least 24 people, and the Israeli military issued a flurry of evacuation warnings — a sign it was aiming to inflict punishment on Hezbollah down to the final moments before any ceasefire takes hold. For the first time in the conflict, Israeli ground troops reached parts of Lebanon’s Litani River. AP finds that a Pentagon-funded study on extremism in the military relied on old data Early this year, Pete Hegseth told a Fox News audience a new, Pentagon-funded study proved that the number of military service members and veterans involved in the Jan. 6 insurrection did not indicate a wider problem in the armed forces. Hegseth, Donald Trump's pick to head the Department of Defense, wasn’t alone. The Wall Street Journal’s opinion page highlighted the same report as evidence that extremists in military communities were “phantoms” created by a “false media narrative.” The X account for Republicans on the House Armed Services Committee posted that the study showed the focus on extremism in the military was a “witch hunt.” But The Associated Press has found that the study relied on old data, misleading analyses and ignored evidence that pointed to the opposite conclusion. Trump's threat to impose tariffs could raise prices for consumers, colliding with promise for relief DETROIT (AP) — If Donald Trump makes good on his threat to slap 25% tariffs on everything imported from Mexico and Canada, the price increases that could follow will collide with his campaign promise to give American families a break from inflation. Economists and industry officials say companies would have little choice but to pass along the added costs, dramatically raising prices for food, clothing, automobiles, booze and other goods. The president-elect floated the tariff idea and an additional 10% tax on goods from China, as a way to force the countries to halt the flow of illegal immigrants and drugs into the U.S. But his posts Monday threatening tariffs on his first day in office could be a negotiating ploy to get the countries to change behavior. Mexico suggests it would impose its own tariffs to retaliate against any Trump tariffs MEXICO CITY (AP) — Mexican President Claudia Sheinbaum has suggested Mexico could retaliate with tariffs of its own, after U.S. President-elect Donald Trump threatened to impose 25% tariffs on Mexican goods if the country doesn’t stop the flow of drugs and migrants across the border. Sheinbaum says she is willing to engage in talks on the issues, but said drugs were a U.S. problem. She says "one tariff would be followed by another in response, and so on until we put at risk common businesses,” referring to U.S. automakers that have plants on both sides of the border. After delay, Trump signs agreement with Biden White House to begin formal transition handoff WASHINGTON (AP) — President-elect Donald Trump on Tuesday signed a required agreement with President Joe Biden’s White House to allow his transition team to coordinate with the existing federal workforce ahead of taking office on Jan. 20. The overdue agreement was supposed to have been signed by Oct. 1, according to the Presidential Transition Act, and the Biden White House has issued appeals in both public and private for Trump’s team to sign on. The agreement is a critical step in the process meant to ensure an orderly transfer of power at noon on Jan. 20 and limits the risk that the Trump team could find itself taking control of the massive federal government without being aware of ongoing programs and operations. Brazil’s Bolsonaro participated in a 2022 coup plot, unsealed police report says SAO PAULO (AP) — Brazil’s former far-right President Jair Bolsonaro was fully aware of and actively participated in a coup plot to remain in office after his defeat in the 2022 election, according to a Federal Police report that has been unsealed. Brazil’s Federal Police last Thursday formally accused Bolsonaro and 36 other people of attempting a coup. They sent their nearly 900-page report to the Supreme Court, which lifted the seal. Bolsonaro has repeatedly denied any wrongdoing or awareness of any plot to keep him in power or oust his leftist rival and successor, Luiz Inácio Lula da Silva. Biden proposes Medicare and Medicaid cover costly weight-loss drugs for millions of obese Americans WASHINGTON (AP) — Millions of obese Americans would be eligible to have popular weight-loss drugs like Wegovy or Zepbound covered by Medicare or Medicaid under a new rule the Biden administration proposed Tuesday morning. The proposal, which would not be finalized until after President-elect Donald Trump takes office, could cost taxpayers as much as $35 billion over the next decade. It would give millions of people access to weekly injectables that have helped people shed pounds so quickly that some people have labeled them miracle drugs. New rule allows HIV-positive organ transplants People with HIV who need a kidney or liver transplant will be able to receive an organ from a donor with HIV. That's according to a new rule announced Tuesday by U.S. health officials. Previously, such transplants could be done only as part of research studies. The new rule takes effect Wednesday. It's expected to shorten the wait for organs for all, regardless of HIV status, by increasing the pool of available organs. The practice is supported by a decade of research, during which 500 transplants of kidneys and livers from HIV-positive donors have been done in the U.S. Surveillance tech advances by Biden could aid in Trump's promised crackdown on immigration President-elect Donald Trump will return to power next year with a raft of technological tools at his disposal that would help deliver his campaign promise of cracking down on immigration — among them, surveillance and artificial intelligence technology that the Biden administration already uses to help make crucial decisions in tracking, detaining and ultimately deporting immigrants lacking permanent legal status. One algorithm, for example, ranks immigrants with a “Hurricane Score,” ranging from 1-5, to assess whether someone will “abscond” from the agency’s supervision. Ukraine says Russian attack sets a new record for the number of drones used KYIV, Ukraine (AP) — The Ukrainian air force says Russia launched 188 drones against most regions of Ukraine in a nighttime blitz, describing it as a record number of drones deployed in a single attack. It said Tuesday that most of the drones were intercepted, but apartment buildings and critical infrastructure such as the national power grid were damaged. No casualties were immediately reported in the 17 targeted regions. Russia has been hammering civilian areas of Ukraine with increasingly heavy drone, missile and glide bomb attacks since the middle of the year. The Russian Defense Ministry, meanwhile, issued a rare official acknowledgement of its assets being hit on its own soil by U.S.-made longer-range missiles that the U.S. recently authorized Ukraine to use.ATLANTA — As she checked into a recent flight to Mexico for vacation, Teja Smith chuckled at the idea of joining another Women’s March on Washington. As a Black woman, she just couldn’t see herself helping to replicate the largest act of resistance against then-President Donald Trump’s first term in January 2017. Even in an election this year where Trump questioned his opponent’s race, held rallies featuring racist insults and falsely claimed Black migrants in Ohio were eating their neighbors’ pets, he didn't just win a second term. He became the first Republican in two decades to clinch the popular vote, although by a small margin. Supporters of Democratic presidential nominee Vice President Kamala Harris hold their fists in the air after she delivered a concession speech after the 2024 presidential election Nov. 6 on the campus of Howard University in Washington. “It’s like the people have spoken and this is what America looks like,” said Smith, the Los Angeles-based founder of the advocacy social media agency, Get Social. “And there’s not too much more fighting that you’re going to be able to do without losing your own sanity.” After Trump was declared the winner over Democratic Vice President Kamala Harris, many politically engaged Black women said they were so dismayed by the outcome that they were reassessing — but not completely abandoning — their enthusiasm for electoral politics and movement organizing. Black women often carry much of the work of getting out the vote in their communities. They had vigorously supported the historic candidacy of Harris, who would have been the first woman of Black and South Asian descent to win the presidency. Harris' loss spurred a wave of Black women across social media resolving to prioritize themselves, before giving so much to a country that over and over has shown its indifference to their concerns. AP VoteCast, a survey of more than 120,000 voters, found that 6 in 10 Black women said the future of democracy in the United States was the single most important factor for their vote this year, a higher share than for other demographic groups. But now, with Trump set to return to office in two months, some Black women are renewing calls to emphasize rest, focus on mental health and become more selective about what fight they lend their organizing power to. “America is going to have to save herself,” said LaTosha Brown, co-founder of the national voting rights group Black Voters Matter. She compared Black women’s presence in social justice movements as “core strategists and core organizers” to the North Star, known as the most consistent and dependable star in the galaxy because of its seemingly fixed position in the sky. People can rely on Black women to lead change, Brown said, but the next four years will look different. “That’s not a herculean task that’s for us. We don’t want that title. ... I have no goals to be a martyr for a nation that cares nothing about me,” she said. Supporters cheer during a community rally with Democratic presidential nominee Vice President Kamala Harris on Oct. 27 in Philadelphia. AP VoteCast paints a clear picture of Black women's concerns. Black female voters were most likely to say that democracy was the single most important factor for their vote, compared to other motivators such as high prices or abortion. More than 7 in 10 Black female voters said they were “very concerned” that electing Trump would lead the nation toward authoritarianism, while only about 2 in 10 said this about Harris. About 9 in 10 Black female voters supported Harris in 2024, according to AP VoteCast, similar to the share that backed Democrat Joe Biden in 2020. Trump received support from more than half of white voters, who made up the vast majority of his coalition in both years. Like voters overall, Black women were most likely to say the economy and jobs were the most important issues facing the country, with about one-third saying that. But they were more likely than many other groups to say that abortion and racism were the top issues, and much less likely than other groups to say immigration was the top issue. Despite those concerns, which were well-voiced by Black women throughout the campaign, increased support from young men of color and white women helped expand Trump’s lead and secured his victory. Politically engaged Black women said they don’t plan to continue positioning themselves in the vertebrae of the “backbone” of America’s democracy. The growing movement prompting Black women to withdraw is a shift from history, where they are often present and at the forefront of political and social change. One of the earliest examples is the women’s suffrage movement that led to ratification in 1920 of the 19th Amendment to the Constitution, which gave women the right to vote. Black women, however, were prevented from voting for decades afterward because of Jim Crow-era literacy tests, poll taxes and laws that blocked the grandchildren of slaves from voting. Most Black women couldn’t vote until the Voting Rights Act of 1965. Black women were among the organizers and counted among the marchers brutalized on the Edmund Pettus Bridge in Alabama, during the historic march in 1965 from Selma to Montgomery that preceded federal legislation. Decades later, Black women were prominent organizers of the Black Lives Matter movement in response to the deaths of Black Americans at the hands of police and vigilantes. In his 2024 campaign, Trump called for leveraging federal money to eliminate diversity, equity and inclusion programs in government and discussions of race, gender or sexual orientation in schools. His rhetoric on immigration, including false claims that Black Haitian immigrants in Springfield, Ohio, were eating cats and dogs, drove support for his plan to deport millions of people. Tenita Taylor, a Black resident of Atlanta who supported Trump this year, said she was initially excited about Harris’ candidacy. But after thinking about how high her grocery bills have been, she feels that voting for Trump in hopes of finally getting lower prices was a form of self-prioritization. “People say, ‘Well, that’s selfish, it was gonna be better for the greater good,''' she said. “I’m a mother of five kids. ... The things that (Democrats) do either affect the rich or the poor.” Where can Black women feel supported and flourish financially? When posed that question, Dr. Lori Martin, a professor of African and African American studies and sociology at Louisiana State University, had this to say: "A livable place for Black women is safe, and for women with children, it is home to schools where all students have access to an excellent education. It would also be diverse, with a visible and thriving Black community, including Black businesses." While the socioeconomic realities of our current time touch all corners of the country, there are pockets of the U.S. where the wealth gap narrows and Black women have more opportunities. MoneyGeek analyzed data on income, the cost of crime , homeownership , and poverty levels from 164 cities across the United States to rank the best — and worst — cities for Black women to live and financially flourish in. MoneyGeek ranked 164 cities with populations greater than 65,000 from the best to the worst for Black women. The ranking includes analysis of income, poverty rate, homeownership, educational attainment and health insurance gaps between Black women and the entire population nationally and locally. The size of the local Black population and the cost of crime in the area were included in the ranking to reflect the presence of the Black community and safety, respectively. Southfield — a suburb of Detroit — and Pearland — a Houston suburb — ranked as the top two cities in the analysis. Notably, Southern cities make up the majority of cities in the top 25, with 13 located in this region. In contrast, Minneapolis, Minnesota, ranked as the worst city for Black women. In Minneapolis, Black women face high poverty rates in absolute and relative terms and have low rates of health insurance coverage compared to the cities analyzed. Meanwhile, Miami ranks as the second least favorable city, with a significant local income gap — there, white men earn almost triple the income of Black women. Income disparity is a key measure of how well Black women are doing today. For each city in the analysis, we calculated the local Equal Pay Day — the day in the following year when Black women would make an equivalent amount as white men — using the median income of Black women working full time and the median income of white men working full time in each locality. In Carson, California, the median pay of Black women is higher than the median pay of white men. However, in Evanston, Illinois, Black women make just over a third of white men's earnings, meaning they would need to work until September 24, 2024, to earn the equivalent of a white man's 2022 pay. Economic challenges faced by Black women include restricted career advancement opportunities, insufficient health insurance, and inadequate retirement savings. Survey data from Goldman Sachs indicates that 42% of Black women perceive limited career growth opportunities compared to 35% of U.S. adults, and merely 43% are able to obtain health insurance through their employer, in contrast to 53% nationwide. Additionally, 71% of Black women feel they are living paycheck to paycheck, compared to 63% of the general population. The intersection of racial and gender bias contributes to these challenges, resulting in low-wage jobs and a considerable wealth gap. Our analysis validates this, demonstrating that Black women who work full-time, year-round, earn 64 cents for every dollar white men earn working full-time, year-round. Less access to economic opportunities puts Black women at a disadvantage in building wealth. The FDIC's National Survey of Unbanked and Underbanked Households found that 11.3% of Black households were unbanked compared to just 2.1% of white households. Unbanked households are credit invisible — that is, they don't have a credit history and, therefore, can't build credit. Having no credit history makes it difficult to utilize credit cards to manage cash needs and mortgages to buy homes. Advocating for economic opportunities for Black women The struggle for economic equity remains a persistent challenge for Black women in America, who have historically faced systemic wage disparities and employment obstacles. However, there are tools and resources that can provide Black women with economic opportunities and empowerment. Dr. Ukanwa shares additional solutions, such as: 1. Invest in education: Research has already shown that degrees increase lifetime earnings, close some societal gaps, and increase job security. But if degrees are not your path, it also means continuing to build that knowledge and expertise in something you can be the best at. Figure out your expertise and what you bring to the table. 2. After building your expertise in a field, build your reputation and personal brand: With an excellent reputation and personal brand, people will start to seek you out rather than the other way around. This increases the worth of your expertise. 3. Find out what your expertise is worth: Educate yourself on how to negotiate . Negotiate to be paid what you are worth. 4. Get into the habit of ownership: Build your own equity, which decreases the dependence on someone else for your income. For example, this could be your own business, stocks , or real estate. To rank the best cities for Black women, MoneyGeek analyzed data from the American Community Survey , MoneyGeek's Safest Cities and Safest Small Cities and Towns studies, and the Bureau of Economic Analysis. The analysis started with over 500 places in America with populations of 65,000 or more. Places without granular data about Black women or lacking other data points for the analysis were removed to get to the final set of 164 cities. The ranking of the best cities for Black women was based on eight factors: safety, Black population, educational attainment, poverty rates, income, employment, health insurance, and homeownership. Each factor was weighted equally and scaled to a score between 0 and 1. The factors were calculated as follows: Safety (full weight): This metric equally comprises two metrics. Percent of local population that is Black (full weight): This percentage represents the proportion of Black individuals within a city's total population, as reported by the United States Census Bureau's five-year American Community Survey (ACS) from 2021, the most recent data available. Educational attainment (full weight): This metric equally comprises two metrics. Poverty rate (full weight): The percentage point difference between the city's rate of Black women earning at or above the poverty level and the rate of all women living above the poverty level nationally. This finding comes from the 2021 Census ACS five-year data, the latest available source covering over 200 cities. Income (full weight): This factor equally comprises two metrics. Employment (full weight): The difference in percentage points between the Black female employment rate and the white male employment rate in the locality. Health insurance (full weight): This metric reveals the percentage point difference between Black women (ages 19-64) and white men (ages 19-64) with health insurance. This information comes from the Census ACS five-year data from 2021, the most recent data source available. Black female homeownership (full weight): This factor comprises three metrics. The full data set can be found here . This story was produced by MoneyGeek and reviewed and distributed by Stacker Media. Get local news delivered to your inbox!