The people's voice of reason
The people's voice of reason
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ungvar // Shutterstock Cities with the most expensive homes in the Decatur metro area Purchasing a home is one of the most important investments there is. More than a place to live, homeownership is an asset with the potential to tremendously rise in value. But with home prices reaching record heights, affordability plays a huge role for buyers. The typical home value in the United States was $367,965 in July, 0.2% higher than the year before. High mortgage rates are also making monthly...
FOTOGRIN // Shutterstock Cities with the most expensive homes in the Gadsden metro area Purchasing a home is one of the most important investments there is. More than a place to live, homeownership is an asset with the potential to tremendously rise in value. But with home prices reaching record heights, affordability plays a huge role for buyers. The typical home value in the United States was $367,965 in July, 0.2% higher than the year before. High mortgage rates are also making monthly...
Konstantin L // Shutterstock Cities with the most expensive homes in the Florence metro area Purchasing a home is one of the most important investments there is. More than a place to live, homeownership is an asset with the potential to tremendously rise in value. But with home prices reaching record heights, affordability plays a huge role for buyers. The typical home value in the United States was $367,965 in July, 0.2% higher than the year before. High mortgage rates are also making monthly...
How brands have shifted digital spend in 2025 Midway through 2025, it’s clear that brands are redirecting their advertising budgets at an unprecedented pace. The move toward digital isn’t new, but this year’s strategies highlight a deeper recalibration — one defined by AI adoption, measurement precision, and the diminishing relevance of traditional media. These shifts are not just reshaping the marketing world; they’re quietly altering how consumers discover, evaluate, and buy products every day...
KinoMasterskaya // Shutterstock Movies and TV shows casting in Birmingham The glitz and glam of Hollywood captures the attention of Americans starting from an early age. Beyond celebrities' Instagram Stories and red carpet poses, there are actors out there paying their dues and honing their craft in pursuit of a sustainable career or a fulfilling sideline. Submitting to casting calls is a big part of that journey. Whether you're a working actor or an aspiring one, you might be curious to know...
muratart // Shutterstock Movies and TV shows casting in Huntsville The glitz and glam of Hollywood captures the attention of Americans starting from an early age. Beyond celebrities' Instagram Stories and red carpet poses, there are actors out there paying their dues and honing their craft in pursuit of a sustainable career or a fulfilling sideline. Submitting to casting calls is a big part of that journey. Whether you're a working actor or an aspiring one, you might be curious to know which...
How to choose your first bank account As we say goodbye to summer, many parents across America will soon be saying another kind of farewell: to their teens, as high school grads begin their first year of college. It’s an exciting time of new independence — and all the responsibilities that come with that. With finances, especially, it is often the first time that teens are truly in charge of the numbers: opening bank accounts, applying for credit cards, setting a budget, and building up the...
5 industries that are ripe for AI disruption Artificial intelligence has already transformed how major companies operate across multiple sectors. AI systems now handle critical business processes that once required extensive human oversight, such as automated fraud detection in banking and predictive maintenance in factories. This article highlights the five industries most likely to experience AI disruption. StayModern analyzes how these technologies deliver measurable business value and...
How a workplace health and safety program can save your business money What is a workplace safety training program? It’s a structured plan that educates employees to identify, prevent, and handle workplace hazards. Safety practices in the workplace can help reduce workplace injuries, promote a healthy work environment, and help ensure that businesses comply with OSHA (Occupational Safety and Health Administration) regulations. Workplace accidents aren’t just disruptive; they can seriously har...
How brands are winning over customers with creative spins on familiar favorites There’s a common misconception that launching a profitable business requires a groundbreaking new idea. The truth is, you don’t have to invent a completely new product to find success as an entrepreneur. Sometimes all it requires is applying a fresh perspective to a product that already exists. Take the drinkware company Stanley: Its now-signature water bottle, the Stanley Quencher, was on the verge of being disconti...
How to save for short-, medium-, and long-term goals Staying motivated to save for an upcoming vacation with friends or a wedding may be easier than doing so for a far-off goal like retirement, since you’ll soon get to enjoy the fruits of your labor. But a key part of a strong financial plan is the ability to prioritize short-, medium and long-term goals and save for them simultaneously. There’s no exact timeline for these goals, but you can generally think of short-term goals as ones that you...
Mish.El // Shutterstock Mortgage rates fall to 10‑month low, offering relief for Birmingham buyers Redfin Real Estate economists say the recent dip in mortgage rates gives serious house hunters a window of opportunity to lock in a lower monthly housing payment. The daily average mortgage rate dropped to 6.57% on August 4th – the lowest level in 10 months. That's down from a peak of 7.08% in May, giving buyers some relief after months of higher rates. In Birmingham, where the median sale pri...
Survey: 60% of teachers used AI this year and saved up to 6 hours of work a week Nearly two-thirds of teachers utilized artificial intelligence this past school year, and weekly users saved almost six hours of work per week, according to a recently released Gallup survey. But 28% of teachers still oppose AI tools in the classroom. The 74 breaks down the findings from the poll, published by the research firm and the Walton Family Foundation in June, which includes perspectives from 2,232 U.S....
5 ways to make quick cash: Online and offline solutions It’s not uncommon to hit a moment in your financial life when you could use some cash ASAP. Whether due to an unexpected major expense or getting laid off, you may need a chunk of change to make ends meet. To help out, SoFi shares a list of 23 ways to get some money flowing your way. Some are online methods, others are in-person, but all can help you out when you are in a pinch. Read on to see which of these ideas may suit you, plus t...
Pharma industry and Ballard Partners dominate the lobbying space in second quarter of 2025 Pharmaceutical and health products companies continued to dominate the lobbying space in the second quarter of 2025, spending $105.4 million to influence public policy. That industry has spent more on lobbying than any other, during every quarter but one, since 2010, according to an OpenSecrets analysis of disclosure reports. That total was down from the industry’s first-quarter total ($121.4 million) but...
Mish.El // Shutterstock Mortgage rates fall to 10‑month low, offering relief for Huntsville buyers Redfin Real Estate economists say the recent dip in mortgage rates gives serious house hunters a window of opportunity to lock in a lower monthly housing payment. The daily average mortgage rate dropped to 6.57% on August 4th – the lowest level in 10 months. That's down from a peak of 7.08% in May, giving buyers some relief after months of higher rates. In Huntsville, where the median sale pri...
How accounting teams use AI to get more work done every day Thanks to AI, the accounting profession is experiencing a significant shift. Researchers from Columbia University and elsewhere found that native AI agents within enterprise resource planning (ERP) software can reduce processing times by up to 40% and error rates by up to 94% when handling workflows like wire transfers and employee reimbursements. These advances represent a shift in how accounting teams operate, moving from reactive man...
Do freelancers need commercial insurance? Freelancing offers unmatched freedom and flexibility, allowing professionals to work on their own terms. But with that independence comes the responsibility of managing risks that would typically be handled by an employer. One of the most overlooked parts of that responsibility is insurance. While many freelancers assume they do not need commercial coverage, the reality is that even solo professionals face liabilities that can lead to serious financial...
“It’s never too late”: How 3 founders launched successful businesses later in life One of the best parts of entrepreneurship is that it doesn’t come with an expiration date. If you have a great idea and the passion to see it through, it’s never too late to bring it to life. In fact, folks who are 55 and older own more than half of America’s businesses, according to the latest data from the U.S. Census Bureau. As an entrepreneur, having some experience under your belt can actually be one of your...
Can this 30-second challenge predict how long you’ll live? The 30-second sit-to-stand test has gained popularity for its gimmicky promise of predicting how long you’ll live, Hone Health reports. While it’s not a crystal ball for aging, the simple challenge can provide insights about your flexibility and balance, two important indicators of healthspan and longevity. The test is straightforward: Start standing, lower yourself to the floor or a chair, and then stand up again. Repeat for 30 secon...
Mish.El // Shutterstock Mortgage rates fall to 10‑month low, offering relief for Mobile buyers Redfin Real Estate economists say the recent dip in mortgage rates gives serious house hunters a window of opportunity to lock in a lower monthly housing payment. The daily average mortgage rate dropped to 6.57% on August 4th – the lowest level in 10 months. That's down from a peak of 7.08% in May, giving buyers some relief after months of higher rates. In Mobile, where the median sale price is $23...
Mish.El // Shutterstock Mortgage rates fall to 10‑month low, offering relief for Decatur buyers Redfin Real Estate economists say the recent dip in mortgage rates gives serious house hunters a window of opportunity to lock in a lower monthly housing payment. The daily average mortgage rate dropped to 6.57% on August 4th – the lowest level in 10 months. That's down from a peak of 7.08% in May, giving buyers some relief after months of higher rates. In Decatur, where the median sale price is $24...
Mish.El // Shutterstock Mortgage rates fall to 10‑month low, offering relief for Auburn buyers Redfin Real Estate economists say the recent dip in mortgage rates gives serious house hunters a window of opportunity to lock in a lower monthly housing payment. The daily average mortgage rate dropped to 6.57% on August 4th – the lowest level in 10 months. That's down from a peak of 7.08% in May, giving buyers some relief after months of higher rates. In Auburn, where the median sale price is $35...
Mish.El // Shutterstock Mortgage rates fall to 10‑month low, offering relief for Montgomery buyers Redfin Real Estate economists say the recent dip in mortgage rates gives serious house hunters a window of opportunity to lock in a lower monthly housing payment. The daily average mortgage rate dropped to 6.57% on August 4th – the lowest level in 10 months. That's down from a peak of 7.08% in May, giving buyers some relief after months of higher rates. In Montgomery, where the median sale pri...
Mish.El // Shutterstock Mortgage rates fall to 10‑month low, offering relief for Tuscaloosa buyers Redfin Real Estate economists say the recent dip in mortgage rates gives serious house hunters a window of opportunity to lock in a lower monthly housing payment. The daily average mortgage rate dropped to 6.57% on August 4th – the lowest level in 10 months. That's down from a peak of 7.08% in May, giving buyers some relief after months of higher rates. In Tuscaloosa, where the median sale pri...
