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Money Moves Every Student Should Master Before Day One

  Starting college or university is exciting — but it’s also the first real test of your financial independence. Building smart money habits early can save you stress (and debt) later. Here’s how to set yourself up for success: Create a realistic budget Track your income (allowance, part‑time job, scholarships) and expenses (rent, food, books, entertainment). Use budgeting apps to keep it simple. Separate needs from wants Essentials like tuition, housing, and groceries come first. Nights out and impulse buys should fit only within leftover funds. Use student discounts From software to public transit, your student ID is a money‑saving tool. Always ask if a discount is available. Limit credit card use Credit can build your score — or bury you in debt. Pay off the balance in full each month to avoid interest. Cook more, order less Meal prepping can cut food costs in half and keep you healthier. Start an emergency fund Even $10 a week adds up. A small cushion ...
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Stock Market Today: Rising Treasury Yields Unsettle Investors


In today’s stock market, the Dow Jones Industrial Average (Dow) took the lead in a slide prompted by rising Treasury yields. Investors are grappling with the impact of recent data on interest rates, and the benchmark S&P 500 and Nasdaq Composite also dipped into the red.

Here are the key points:

  1. Treasury Yields Surge: The yield on 5-year Treasurys rose to near four-week highs, while the 10-year yield topped the critical 4.5% level. On Wednesday, the benchmark yield inched up further to trade around 4.57%. These rising yields have raised concerns that the Federal Reserve may keep rates higher for longer.

  2. AI Growth vs. Yield Worries: Despite hopes for AI growth, concerns about bond yields appear to be overshadowing the market. The Nasdaq recently hit a record high following Nvidia’s post-earnings rally, but the surge in yields is causing uncertainty.

  3. Consumer Confidence and Fed Policymaking: Investors are trying to decipher the impact of stronger-than-expected consumer confidence data on Fed policymaking. However, they are bracing for a prolonged wait for any pivot to rate cuts, given the litany of warnings from Fed officials.

  4. Wall Street Strategists’ Views: Wall Street strategists have been closely monitoring rising yields. Michael Kantrowitz, chief investment strategist at Piper Sandler, highlighted that higher rates are now a systemic problem for equities. If the 10-year Treasury yield surpasses 5%, it could spell trouble for most stocks.

  5. Beige Book and Inflation Gauge: The release of the Fed’s Beige Book later today could shed more light on economic conditions. Investors are also awaiting Friday’s reading on PCE (Personal Consumption Expenditures), the central bank’s preferred inflation gauge.

In summary, rising Treasury yields are causing jitters in the stock market, and investors are closely watching Fed signals and economic data. The delicate balance between growth prospects and interest rate concerns remains a focal point for traders.


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