In times of disaster, the Federal Emergency Management Agency (FEMA) plays a critical role in providing aid and support to individuals and communities affected by emergencies. Established in 1979, FEMA is a government agency under the Department of Homeland Security (DHS) that coordinates federal disaster response and recovery efforts. Whether it’s a hurricane, wildfire, flood, or another emergency, FEMA is there to help mitigate the impact and assist in the recovery process. Here’s a closer look at what FEMA does and how it could help you.
FEMA’s mission is to help people before, during, and after disasters. It works closely with state, local, tribal, and territorial governments, as well as private and nonprofit organizations, to prepare for, respond to, and recover from disasters. The agency focuses on reducing the loss of life and property by fostering a culture of preparedness and resilience.

In the fast-paced world of trading, Zero-Day Options (0DTE) have emerged as a hot topic, captivating the attention of experienced traders and newcomers alike. These financial instruments offer opportunities for significant returns but come with substantial risks. In this article, we’ll break down what Zero-Day Options are, the risks associated with them, and essential considerations for traders.
Zero-Day Options, often abbreviated as 0DTE, are options contracts that expire on the same day they are traded. Traditional options contracts typically have expiration periods ranging from days to months, but 0DTE options offer an extremely short window for trading. They are most commonly associated with major stock indices, such as the S&P 500, and are increasingly popular due to the rise of daily expirations for some index options.

In 2025, millions of Americans relying on Social Security will see a 2.5% increase in their monthly benefits. This adjustment, officially known as the Cost-of-Living Adjustment (COLA), is designed to help recipients keep pace with inflation and maintain their purchasing power amid rising living expenses.
The 2.5% increase for 2025 is calculated based on the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). The Social Security Administration (SSA) uses the CPI-W to measure inflation by tracking the prices of goods and services, such as food, housing, and medical care. When inflation rises, the COLA ensures that benefits adjust accordingly.

Prediction markets, sometimes called information markets or event derivatives, have gained attention in recent years as innovative tools for forecasting, decision-making, and even entertainment. By leveraging the "wisdom of the crowd," these markets aim to predict future events with remarkable accuracy. But what exactly are prediction markets, how do they operate, and what are the associated risks?
Prediction markets are platforms where participants trade contracts based on the outcome of future events. These events can range from political elections and sporting events to corporate earnings reports or scientific breakthroughs. The prices of these contracts reflect the collective belief in the likelihood of a specific outcome.

A joint savings account can be a powerful financial tool for couples, offering a shared space to save for common goals like vacations, a home, or an emergency fund. However, before taking this step, it’s crucial to understand the pros, cons, and considerations to ensure it aligns with your financial and relationship goals. Here’s what you need to know:
A joint savings account is a bank account shared by two or more individuals. Both account holders have equal access to the funds, which means either party can deposit, withdraw, or manage the account. For couples, it’s often used to consolidate savings for shared goals.