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Smart PTO Tips

Getting the most out of your paid time off (PTO) can significantly improve your work-life balance and financial health. Here are some straightforward steps to maximize your time off:

• Know Your PTO Policy: Familiarize yourself with your company’s PTO rules and keep track of how many days you have available. Mark holidays and busy work periods on your calendar to identify the best times to take breaks. Remember to choose times that won't disrupt the company’s agenda while advocating for your own need for time off.

• Plan for Off-Peak Travel: Seek opportunities to travel during off-peak seasons. This approach not only helps you avoid crowds but also allows you to score better deals on flights and accommodations. Plus, consider utilizing credit card points for travel when possible — stay tuned for more on this in an upcoming email edition!

• Combine Days Strategically: Use vacation days before or after holidays to extend your time off without depleting your allowance too quickly. This strategy is also an excellent chance to engage in side hustles or personal projects that can provide extra income.

• Use Sick Days for Well-Being: Sick days are not solely for physical illness; they can also be invaluable for mental health breaks. Regularly assess your workload and take time off if you’re feeling overwhelmed. Keeping your employer informed about your plans fosters open communication and understanding.

Implementing these strategies allows you to effectively manage your PTO, ensuring you can enjoy your time away from work while also supporting your financial objectives.

Social Media's Investors

Are you turning to social media for financial advice?

A recent Barclays study reveals that many young people are turning to financial influencers, or "finfluencers," for advice — often without verifying their credibility. This trend is especially pronounced among Gen Z, with 37% seeking investment guidance from platforms like TikTok, as reported by Trading View.

While social media can make investment information more accessible, it also presents significant risks. Many investors find it challenging to vet these influencers, leaving them vulnerable to scams and poor advice, particularly as over half of investment scams occur on social media.

The generational divide is evident, with Gen Z gravitating towards TikTok, while older generations continue to favor Facebook for financial guidance. This shift raises concerns about the reliability of advice from these platforms, as many young investors tend to trust finfluencers more than traditional sources like family and friends.

As Barclays highlights, young professionals should exercise caution and critically assess the advice they receive from social media to avoid falling victim to scams

In a ‘Daze’

A new messaging app, Daze is catching the eye of young people, amassing an impressive 48 million views on TikTok and Instagram, including 8 million for its top video, as it prepares for its November 4 launch.

So, what makes this app stand out from giants like iMessage and WhatsApp? Its vibrant features, such as multi-colored messages, photos, graphics, stickers, and GIFs, according to reporting by TechCrunch.

Originally envisioned as a social calendar, Daze has pivoted to become a freestyle messaging platform. Built entirely by React Native, the app aims for a seamless launch on both iOS and Android, allowing it to reach a wide audience.

Early beta tests indicate a promising 50% retention rate among users who have sent messages, with the majority falling within the 13 to 22 age range. Backed by $5.7 million in pre-launch funding, Daze hopes to transform the messaging landscape and redefine communication for younger generations.

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