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Next government shutdown: How to build a cash cushion when your income is cut off

Next government shutdown: How to build a cash cushion when your income is cut off

Finance
There's one thing the record 35-day government shutdown made clear: Americans aren't saving for a rainy day. "The partial government shutdown serves as a wake-up call that emergency savings must be made a more serious priority," said Mark Hamrick, senior economic analyst at Bankrate.com. Over three-quarters of all full-time workers are living paycheck to paycheck, according to a report from jobs site CareerBuilder. Just 40 percent of Americans are able to cover an unexpected $ 1,000 expense with their savings, according to a separate survey from pers...
By controlling exciton flows, scientists can build more efficient electronics

By controlling exciton flows, scientists can build more efficient electronics

Science
Jan. 4 (UPI) -- Scientists have found a way to control exciton flows at room temperature, paving the way for the development of faster, more efficient electronics. When an electron absorbs light, it gets bumped into a higher energy band. As quantum physics reveals, the newly energized electron leaves an "electron hole" behind. Because the high-energy electron has a negative charge and the hole has positive charge, the duo remain bound -- forming an exciton. Excitons are only found in semiconducting and insulating materials, and their unique properties can be studied in 2D materials. Physicists regularly look for new quantum properties by combing 2D materials. Recently, researchers in Switzerland layered tungsten diselenide with molybdenum diselenide, WSe2 with MoSe2, to create a new 2D me...
Aegon Life Insurance plans to tie up e-commerce players, build brand equity

Aegon Life Insurance plans to tie up e-commerce players, build brand equity

Finance
With a business strategy of acquiring policy-holders through digital mode sans intermediaries, Aegon Life Insurance Company plans to tie up with e-commerce players, expand product portfolio and build brand equity, said a top company official. "We will look at people/organisations having digital pools of customers and tie-up with them. We will expand our digital presence as well as our product range. The products will be simple to understand and buy while the process of policy purchase is also being further simplified," Vineet Arora, Managing Director and CEO told IANS on Wednesday. Aegon Life -- a joint venture between Bennett, Coleman and Company Ltd and Netherlands-based Aegon N.V. -- though started operations in 2008 rewrote its business model as digital direct two years back. The compa...
Here's what you need to do to successfully build a business

Here's what you need to do to successfully build a business

Finance
If you want to start your own business, you need two things: conviction that you're solving a problem and the belief that you are going to solve it better than anyone else. That is according to Elliot Weissbluth, who founded wealth management firm HighTower Advisors in 2008. Beyond that, there are a couple of other key points you need to keep in mind. More from Straight Talk: How investors can save the world, one dollar at a time How to handle gaps in health insurance coverage Here's how blockchain will fit into your life in 10 years ...
How to build a career in diversity and inclusion

How to build a career in diversity and inclusion

Finance
Melinda Gates: We need 'more diverse teams' Forty years ago, business leaders couldn't imagine entire career paths in diversity management, let alone schools offering diversity and inclusion specialties. But now, chief diversity officers at Facebook, Google and other high-profile companies are taking deeper looks at how companies hire, promote and welcome employees from all backgrounds. The business world is finally paying attention — and so are prospective leaders. But what does it take to succeed in this growing field? Know the psychology "I certainly didn't grow up thinking 'I'm gonna be the head of diversity at a company somewhere,'" says Candice Morgan, head of inclusion and diversity at Pinterest. "I didn't know that was a career path." In college, M...