The people's voice of reason
The people's voice of reason
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A beginner's guide to options trading An option is a financial instrument whose value is tied to an underlying asset; this is known as a derivative. Instead of buying an asset, such as company stock, outright, an options contract allows the investor to potentially profit from price changes in the underlying asset without actually owning it. Because options contracts may be much cheaper to come by than the underlying asset, trading options can offer investors leverage that may result in...
Your 2025 tax planning checklist: Essential moves for high earners Tax strategy doesn’t just happen in April. While it may feel like you just filed your 2024 taxes a minute ago, the time to set yourself up for success in your 2025 taxes is now. High-income households face major tax changes in 2025, with opportunities to save thousands through strategic planning. By implementing advanced tax strategies like setting up a backdoor Roth IRA, understanding AMT implications, and maximizing the e...
How to take your business from $0 to $10M ARR Only half of small businesses make it to see year five. Why? Lack of market demand, heavy competition, pricing issues — the list goes on and on. But here's the thing: companies that nail their go-to-market strategy have a massive advantage. They know exactly who they're selling to, how to reach them, and what message will resonate. They turn market chaos into a repeatable system for growth. While no one knows the exact recipe for startup success, M...
Wellness, subscriptions, and nostalgia: How millennials are spending their money Millennials—individuals born between 1981 and 1996—now make up 29% of the worldwide population. In the United States, they are the largest adult group, totaling more than 74 million people. Given the generation’s size, it makes sense that millennials comprise a large share of purchasing power. Despite having come of age during the 2008 Great Recession, millennials are now in their prime spending years, with 16% o...
The cost of a Labor Day BBQ by city Labor Day weekend is prime time for backyard barbecues, but you might feel the heat before the grill even fires up. Prices for cookout staples like steak, chicken, and soda have jumped since last summer — and in some cities, the increase is steep. As of July, Bureau of Labor Statistics data shows grocery prices are up 2.2%year over year, continuing a trend that began with pandemic-era supply chain disruptions. In the months to come, there may be more price s...
How a dog helped a Utah man survive an 11-hour night crawl through the mountains Jake Schmitt looked up, droplets from the cool stream dribbling down his chin, and locked eyes with his best friend, Buddy. The 6-year-old German shorthaired pointer also had water dripping from his black snout. Schmitt, 34, has been a hunter for most of his life and a hunting guide in Utah for almost a decade. He knew he shouldn’t be drinking from a stream, that his stomach could violently cramp from giardia o...
Counties with the most born-and-bred residents in Alabama In the first year of the pandemic, migration out of densely populated, expensive cities like New York and San Francisco was especially notable. Many moved to Sun Belt states where the weather is warmer and the cost of living significantly lower. But by the second year of the pandemic, it became clear that not everyone who was moving wanted to go far. A 2024 analysis of movement out of crowded cities from the U.S. Census Bureau showed...
FOTOGRIN // Shutterstock Cities with the most expensive homes in Alabama 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 payments more...
FOTOGRIN // Shutterstock Cities with the most expensive homes in the Auburn 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 Anniston 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 Birmingham 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...
ungvar // Shutterstock Cities with the most expensive homes in the Dothan 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 payments...
Arina P Habich // Shutterstock Cities with the most expensive homes in the Daphne 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 p...
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...
