November is a month for reflection and gratitude—and a good time to guard what issues most. On this difficulty, we’re sharing suggestions to assist maintain your private data safe, insights on rising medical insurance prices for 2026, and a take a look at how know-how is reshaping the job market. We’ll additionally honor the historical past and that means behind Veterans Day.
Dwelling Financing
Cybersecurity Greatest Practices In the course of the Mortgage Course of
Managing a Dwelling Buy
Once you apply for a mortgage, you are sharing a few of your most delicate information, together with your Social Safety quantity and monetary information. Whereas this data is critical to safe your house mortgage, it additionally makes you a goal for cybercriminals. Actually, 1 in 20 consumers grow to be victims of mortgage-related fraud, and first-time homebuyers are essentially the most in danger.
Luckily, you may shield your self towards wire fraud. By following some simple cybersecurity practices—and dealing with a lender like APM that’s dedicated to defending your information—you may reduce danger and give attention to discovering your dream dwelling.
Why Homebuyers Are Targets for Cybercriminals
In the course of the mortgage course of, you are coping with life-changing quantities of cash, typically below tight deadlines. The emotional pleasure and stress of shopping for a house can cloud judgment.
Plus, a number of events are concerned, together with actual property brokers, mortgage officers, title firms, and inspectors, giving criminals extra alternatives. Listed below are a few of the most typical mortgage-related scams.
Wire fraud: The largest menace
Here is the way it usually occurs: You are days away from closing in your new dwelling. You obtain an electronic mail that seems… Read more.
Supply: apmortgage.com
Insurance coverage
Well being Insurance coverage Prices Set to Rise for 2026
Round 165 million Individuals purchase their well being protection via their employers, which is commonly thought of essentially the most precious profit on supply. Nevertheless, with 2026 enrollment simply across the nook, many staff are questioning if their insurance coverage premiums will grow to be dearer.
Contemplating that costs have been rising for over 20 years, with healthcare prices going from 13% of a median household’s family revenue to 25% in 2021, it is a reputable concern.
A number of current employer surveys present predictions as to how firms will handle rising healthcare prices for 2026.
- The advantages consulting agency Mercer discovered that employers anticipate well being care plan prices to rise by practically 9% on common if they do not take motion to manage prices.
- One other consulting agency’s surveys got here up with practically similar outcomes, stating that employer well being care prices will climb 9.5% subsequent 12 months.
- HR consulting agency Segal’s survey outcomes estimated a 9% enhance for well being plans and 11% for prescribed drugs.
Whether or not employers determine to go increased prices on to their workers is one thing that in all probability will not be revealed till the November enrollment interval begins. Those that determine to not elevate their workers’ premiums might do that to encourage them to remain, particularly in industries that discover it troublesome to search out staff with sure levels or expertise.
Supply: nbcnews.com
Within the Information
Is AI Contributing to Unemployment?
Because the labor market cools, jobs are getting more durable to come back by, particularly for younger staff. Currently, synthetic intelligence instruments have been blamed for eliminating entry-level jobs…however research have discovered that it is too quickly guilty AI. One main issue: rates of interest.
Greater charges are inclined to decelerate the labor market as a result of companies are directing extra funds towards curiosity funds and fewer in the direction of workers and hiring. Additionally, current graduates are inclined to endure extra when employment slows, and there are significantly extra of them in search of jobs this 12 months.
In keeping with the St. Louis Fed, practically 40% of the present workforce now has a bachelor’s diploma or increased. That is up from a couple of quarter of all staff within the early 2000s. Nevertheless, as of 2021, simply 22% of jobs required a bachelor’s diploma.
No matter AI’s involvement, when there are extra graduates than there are jobs that require grads, the unemployment charges for this group enhance.
Supply: cash.com
Did You Know?
Historical past of Veterans Day
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World Warfare I – identified on the time as “The Nice Warfare” – formally ended when the Treaty of Versailles was signed on June 28, 1919, within the Palace of Versailles exterior the city of Versailles, France. Nevertheless, combating ceased seven months earlier when an armistice, or short-term cessation of hostilities, between the Allied nations and Germany went into impact on the eleventh hour of the eleventh day of the eleventh month. For that purpose, November 11, 1918, is mostly thought to be the tip of “the battle to finish all wars.”
Veterans Day continues to be noticed on November 11, no matter what day of the week on which it falls. The restoration of the observance of Veterans Day to November 11 not solely preserves the historic significance of the date, however helps focus consideration on the vital function of Veterans Day: A celebration to honor America’s veterans for his or her patriotism, love of nation, and willingness to serve and sacrifice for the frequent good. Read more…
Supply: division.va.gov
