Americans are generally lackluster savers. Forty-one percent of households lack liquid savings to cover an unexpected $2,000 expense, according to research from the Pew Charitable Trusts, which also found that a lack of saving is a top financial worry, even among families with higher incomes.

One in three American families reports having no savings, including one in 10 of those with annual incomes greater than $100,000. Federal data show the overall personal savings rate in the United States is about 5 percent, and an analysis by Moody’s Analytics finds that Americans under 35 actually have a negative savings rate, meaning they are spending more than they earn.

No single program will fix a city’s worth of pollution and traffic problems. Smart ones would consider complementary moves: bikeshare and cycling infrastructure; working with developers to make homes and offices more accessible to transit; reversing minimum parking requirements.

“Improving public transit, parking cash out, and smart growth all fit together,” says Litman. Indeed: Research from Virginia Tech shows that even if you throw tons of pretty benefits at cyclists, “free” parking still sways many commuters away from two wheels. A reminder that freedom ain’t free—one that comes in cash—could make the difference.

We find that having 10 more trees in a city block, on average, improves health perception in ways comparable to an increase in annual personal income of $10,000 and moving to a neighborhood with $10,000 higher median income or being 7 years younger. We also find that having 11 more trees in a city block, on average, decreases cardio-metabolic conditions in ways comparable to an increase in annual personal income of $20,000 and moving to a neighborhood with $20,000 higher median income

Carrying more than 90% of the world’s trade, ocean-going vessels produce just 3% of its greenhouse-gas emissions. But the industry is dirtier than that makes it sound. By burning heavy fuel oil, just 15 of the biggest ships emit more oxides of nitrogen and sulphur—gases much worse for global warming than carbon dioxide—than all the world’s cars put together. So it is no surprise that shipowners are being

Some still think that digital transformation is about technology. And while it often starts as a technology project or through the introduction of some new technologies, digital transformation is really about business transformation.

As long as we’re around the 4 to even 5 percent mortgage rate, home sales are likely to stay on pace. As mortgage rates rise, job creation – which Florida excels at – could be a great neutralizer and good for home sales. In fact, Florida is outperforming the country because of better job creation.

But now, because of digital marketing and the masses of online information available to consumers, “all the rules about timing are gone,” said Barbara Fox, the founder and president of the Fox Residential Group. “The rules are out the window. My theory is: Get it out there. Let’s see if there’s someone out there waiting for it.’’

Kathy Braddock, a managing director of William Raveis New York City, agreed. “Pre-internet, we were much more seasonal,” she said. “Now, real estate is a 24/7 exercise. Some people are buying from photos. There’s always, always a market.”