Dear friend, Like this work week, I’m keeping this intro short and sharing a couple of quotes that feel apropos of the season we’re in. "If you don’t get everything you want, think of the things you don’t get that you don’t want. — Oscar Wilde, Don't Forget to Sing in the Lifeboats "You never know what is enough unless you know what is more than enough." — William Blake, The Marriage of Heaven and Hell May you have more than enough and may you realize it. Happy holidays, ya filthy animals. Your favorite finance friend,
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1. 🤓 How to Maximize Your Benefits During Open Enrollment (HYG Original) Here’s how you can take a closer look at your current health plan and decide if you want to make any adjustments to your benefits for the upcoming year.
2. 🎄 How the poinsettia took over Christmas (The Hustle) 3. ⛵ How a $300K Bored Ape Yacht Club NFT accidentally sold for $3K (CNET) 4. 🎁 So You Still Need to Buy a Gift … (The New York Times) “While regifting once seemed tacky, it’s being recast as a more thoughtful and sustainable way to shop. That said, it’s still early days: Whether or not you come clean about the upcycled object’s origin is up to you.” 5. 🤓 A bookkeeping thing - Important Tax Dates for 2022 (HYG Original)
6. 💸 Debt Demands a Body (Longreads) A painfully beautiful essay. “Over the course of the next three years, as my mother’s gambling addiction escalated, she took out another student loan, and then another, and then so many others that the amounts and institutions from which she borrowed knotted together into something big and impossible to disentangle, but the accumulation of which was about $125,000.” 7. 🏝 Paradise lost: The rise and ruin of Couchsurfing.com (Input) The once-utopian accommodations site, now headed by an alum of surveillance-analytics firm Palantir, has gone back on its always-free ethos. 8. 👶 How Child Care Became the Most Broken Business in America (Bloomberg) “Child care in the U.S. is the rare example of an almost entirely private market in which the service offered is too expensive for both consumers and the businesses that provide it. This reality is reflected in two alarming facts: In most states, putting a baby in a licensed child-care facility costs more than in-state college tuition, yet the people who provide that care make an average of about $24,000 a year, less than a fast-food worker or janitor, even though 87% of them have some form of higher education. Every year a quarter of the industry’s workers leave. All this adds up to an exceptionally precarious business model; according to a recent study by the U.S. Department of the Treasury, the typical child-care center’s profit margin is only 1%.”
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