"Results from the 2021 SHED show substantial gender differences in the responses to the financial literacy questions, consistent with prior studies. We first present results for the half of respondents who received an explicit "don't know" answer choice. A smaller share of women answered each financial literacy question correctly. While women and men were similarly likely to select an incorrect answer, women were much more likely to select "don't know." For example, 63 percent of women selected "don't know" for the diversification question – 20 percentage points higher than the share of men who did so." more »

Ferida's Backyard: "As our communities become more urbanized, the natural features around us tend to get pushed into the background and often go unnoticed. In “Ferida’s Backyard,” I look at the details of nature locally, from a neighborhood perspective, frequently from a backyard vantage point. It excites me to share what I see. An awareness of the natural connection can beautifully enhance our lives. "I was moved when I looked at the leafless tree. It seemed to be reaching up to embrace the sky. It will be like that through the winter months, allowing us to see its inner strength before it covers its bareness with beautiful greenery in Spring." more »

"JN.1 continues to increase in proportion. CDC has been tracking JN.1 for months, since it first split from its parent, BA.2.86. JN.1 is similar to BA.2.86 but has an additional mutation (L455S) in the spike protein. JN.1 continues to cause an increasing share of infections and is now the most widely circulating variant in the United States. For the two weeks ending on December 23, 2023, JN.1 is expected to account for 39-50% of all SARS-CoV-2 variants. That’s an increase from the projected prevalence two weeks ago of 15-29%. We’re also seeing an increasing share of infections caused by JN.1 in travelers, wastewater, and most regions around the globe. Help reduce the spread of COVID-19. Improving your indoor air is one of the best ways to prevent spread. This can be as simple as using a portable air cleaner or opening windows (for those with pleasant winter weather). And if your home thermostat offers a FAN option, turn it from AUTO to ON when you have visitors to keep air running continuously. Learn more about other ways to help reduce spread, including testing for COVID-19, wearing masks, and increasing space and distancing."   more »

Rose Madeline Mula Writes: "It was with considerable trepidation, therefore, that I entered the kitchen of my hostess, the legendary actress, Joan Fontaine, one long-ago Thanksgiving morning, to offer my assistance. Acting was not Miss Fontaine's only talent. Not by a long shot. She was also a hole-in-one golfer, a prize-winning fisherwoman, a hot air balloonist, an accomplished horsewoman, and a pilot. 'When you've had as many husbands as I've had, Darling,' she'd quips, 'you learn all their hobbies.' And one hobby all hubbies shared in common was a love of good food. No problem. Joan was also a gourmet cook who studied at the Cordon Bleu in Paris. No wonder I was intimidated that day. more »