$15.99 Personal Desk Fan With Digital Display After Code at Amazon

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Need to stay cool at the office? Grab this YOSHENMO Personal Desk Fan with Digital Display for just $15.99 after a code at Amazon.

The dark black color is regularly priced at $19.99, but you can enter code 6G5B63AJ at checkout for an extra 20% off, making the final cost only $15.99!

This quiet fan runs for up to 9.5 hours after one charge. It features an adjustable tilt and 100 adjustable speeds.

Here’s the deal:

YOSHENMO Personal Desk Fan with Digital Display – $15.99 (reg. $19.99)
-with code 6G5B63AJ

Shipping is free with Prime or free with orders of $35+.

See more of my favorite Amazon deals.

Need to stay cool at the office? Grab this YOSHENMO Personal Desk Fan with Digital Display for just $15.99 after a code at Amazon. The dark black color is regularly priced at $19.99, but you can enter code 6G5B63AJ at checkout for an extra 20% off, making the final cost only $15.99! This quiet fan runs forRead More

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When to Distribute—and When to Delay—Family Wealth

Fact checked by Michael RosenstonThomas Barwick / Getty Images A revocable trust is a flexible estate planning tool that can be changed as your heirs mature.Do you trust that your heirs are prepared for a lump sum all at once? Or would a slow drop be a smarter approach for them? Or maybe you're not ready to make that call but are in the middle of your estate planning and need to make a call for now that you can change later on. When it comes to passing on your wealth, timing is everything—especially if you think your family isn't quite ready for a big windfall.Key TakeawaysDifferent factors may influence whether you leave your beneficiaries a lump sum or delay their inheritance.A revocable trust is a flexible tool that can be changed anytime.Staggering distributions can help young children learn financial responsibility or help your beneficiaries meet age-based or life milestones.Distribute or Delay the Wealth?There isn’t an easy answer to this question because it depends entirely on your situation. Ask yourself the following questions when you’re trying to decide:How much and what types of assets are you planning to leave behind?How many beneficiaries do you have?How old and/or responsible are your beneficiaries?Do you see your relationship with them changing over time?Are there any special considerations for your beneficiaries, such as spending concerns, substance abuse, gambling issues, etc., that would affect your estate planning decision?Understanding your circumstances can help you make better decisions about how you should distribute your wealth.Estate planning isn’t just for the ultrarich. Everyone should have a plan, regardless of their net worth. This can include creating a power of attorney, drafting a will, and/or establishing a trust.Consider a Revocable TrustA revocable trust is a flexible estate planning tool that can be changed anytime. As the owner of the assets (and the trust’s grantor), you retain control over the trust and remain a trustee over your lifetime, according to Kristin McKenna, certified financial planner and president of Darrow Wealth Management in Needham, Massachusetts.“Because of this, there are no adverse tax implications or benefits during life,” McKenna says. “But at death, assets passing through a revocable trust avoid the probate court process, saving time and money.”McKenna suggests revocable trusts as a tool for anyone with probate assets, mostly non-retirement assets that are owned individually. Revocable trusts also work in certain situations where inheritances may be complicated, such as a second marriage or blended family.Along with giving assets to family and friends, revocable trusts can be used to make charitable donations and provide for your pets.Staggered DistributionsStaggered distributions are one way to delay the wealth to your beneficiaries. This is a common strategy for parents who want to teach their young children about financial responsibility.“Avoiding a situation where a young person receives a large sum of money at once is often prudent because of the temptation to splurge on lifestyle items,” McKenna says, which is why she suggests setting up trusts with age-based and life milestones. This means crafting distribution plans when they reach certain ages and specific goals like graduating from college, getting married, and/or starting a family.“It helps ensure heirs have additional access to funds if needed, and I think it helps parents feel connected to these future life events if they pass away prematurely,” McKenna says.The Bottom LineYou’ll have to consider your family dynamics when you decide whether your heirs will get a lump sum or a delayed inheritance. Don’t rule out flexible tools like revocable trusts, which give you control over how your assets are managed. You can also stagger distributions so your loved ones are taken care of when they need it the most.Be sure to talk to a financial advisor or estate planner if you’re having trouble finding the right solutions.
Millennials and Gen Z Are Using AI to Improve Their Investing—Should You?

Fact checked by Katie Reillyprimeimages/Getty ImagesMillennials and Gen Zers have entered the world of investing with a tech-first mindset, as 41% of both generations say they would entrust an AI assistant to manage their investments—nearly three times the rate of Baby Boomers.From sleek AI-enabled robo-advisors to the stock-picking prowess of AI-powered exchange-traded funds (ETFs), artificial intelligence is transforming how we build and monitor portfolios in the digital age.If you haven’t yet dipped your toes into AI‑driven finance, here’s what you might be missing.Key TakeawaysMore than 40% of millennials and Gen Zers say they would allow an AI assistant to manage their investments.They are more likely than other generations to use AI in investing. AI tools range from robo-advisors to chatbots and analytics engines.Ways To Invest With AIIn a 2024 survey across 13 economies, the World Economic Forum found that millennials and Gen Zers are significant early adopters of AI, with 41% of each group indicating comfort using AI tools to help manage their investments. That's compared with 29% of Gen Xers and just 14% of Baby Boomers.Research by Experian suggests that 67% of Gen Zers and 62% of millennials use AI to manage their personal finances, including increasing their savings, improving their budgeting, and enhancing their credit score.As AI matures, retail investors have a growing array of AI‑enabled tools at their fingertips, each designed to simplify different aspects of the investment process.Robo-advisors: Automated investment platforms that incorporate AI and machine learning into their algorithms to assess risk profiles and build and rebalance portfolios according to investors' profiles.Algorithmic trading bots: Advanced investors can deploy bots (AI agents) that execute momentum, mean‑reversion, or pairs‑trading strategies 24/7, reacting to microsignals far faster than any human trader.AI-powered ETFs: Funds such as the Amplify AI-Powered Equity ETF (AIEQ) use machine learning to analyze vast amounts of historical data and over one million news and social media sources, informing portfolio composition.AI assistants: Existing chatbots powered by generative AI can parse earnings call transcripts, summarize market‑moving headlines, and answer ad‑hoc questions about sectors or individual stocks in real time.Predictive analytics platforms: Tools like Kavout’s K Score employ deep learning to rank equities by their probability of outperformance and detect subtle shifts in investor sentiment.Can AI Help Your Portfolio?Many non-investors say they don't invest because they lack knowledge about how to begin and lack confidence in their ability to create an investment plan. AI can help break down and personalize financial reports and other materials through interactive, on‑demand tools. The World Economic Forum survey found that 28% of investors use AI chatbots to help guide their financial decisions, and 42% of current investors say they would invest more if an AI chatbot were assisting them.Meanwhile, concerns about model bias, inaccuracies, data privacy, platform outages, and a lack of transparency underscore the need for caution when using these systems.Potential BenefitsRemoves emotion, bias, and human errorCan process many trading signals across multiple economic and non-economic indicatorsMore accessible/lower-cost than traditional advisorsCan adjust to individual goals, timelines, and risk tolerances as markets evolveKey RisksAI trained on historical data may falter when markets shift unexpectedlyAI lacks transparency and accountability, making it difficult to debug decisionsData gaps and biases, outages, or platform glitches (e.g., "hallucinations") could lead to unintended negative consequencesIncreasing volumes of personal and financial data being collected may pose privacy and cybersecurity vulnerabilitiesThe Bottom LineAI is no longer the future of personal finance—it’s already here. Millennials and Gen Zers are increasingly embracing these tools. If you’re looking to tighten up your portfolio, you might consider experimenting with a robo-advisor, investing in an AI‑powered ETF, or using an AI research assistant. Just remember: AI can only help with, not replace, sound financial judgment.
Young Adults Want to Buy Insurance Through the Car Dealer. Do They Risk a Bum Deal?

dikushin / Getty Images Buying insurance at the dealer can be convenient, but make sure you comparison shop first.Over one in three Americans—and half of younger generations—are open to buying car insurance through a dealership or manufacturer rather than an agent, according to a J.D. Power study. This product, called embedded auto insurance, is a convenient way to buy coverage. But there’s such a thing as too convenient. Here are the tradeoffs to consider so you don’t get a bad deal.Key TakeawaysDealerships like Carvana and manufacturers like Tesla offer embedded car insurance to customers when they buy a vehicle. Young adults are particularly interested in getting embedded coverage because it’s convenient, and they may not have an existing relationship with traditional insurers. If you’re tempted to buy embedded insurance, the most important thing to do is compare quotes online before car shopping.You should also read the fine print of any insurance offer, figure out who the underwriter is, and ask about discounts. Understanding Embedded Insurance Embedded insurance is coverage that’s sold directly with the product or service you’re insuring. In the automotive space, that means getting a policy from the dealership, auto financer, or the car manufacturer when you buy your car.Tesla, for instance, was an early adopter of embedded car insurance, launching its Tesla insurance line for select models in 2019. Online car marketplace Carvana, meanwhile, partnered with the technology-oriented Root Insurance firm in 2021 to offer auto coverage for used vehicles at checkout. GM and Stellantis, which owns Jeep, Chrysler, and other top car brands, have also launched embedded insurance programs in recent years. The companies leading the way with embedded insurance tend to be niche, data-focused players. “The concept has gained more traction among upstart producers who collect more telematics data, produce fewer vehicle models, and target a demographic that values the convenience of having a one-stop shop for purchasing a car,” said Jonathan Ernest, assistant professor of economics at Case Western Reserve University. The Appeal for Young AdultsThat target demographic skews young. The J.D. Power 2025 U.S. Insurance Shopping Study found that 47% of millennial and Gen Z customers showed interest in embedded car insurance, compared to 35% of Gen X and 19% of baby boomers and pre-boomers. Overall, 37% of Americans would consider buying embedded car insurance.“Younger consumers are more open to trying an emerging channel,” said Stephen J. Crewdson, chartered property casualty underwriter (CPCU) and senior director of insurance intelligence at J.D. Power. “They don’t have decades of experience with their agent, so they’re not as attached.”They also typically have fewer assets and so don’t already have homeowners or renters insurance to bundle with auto insurance for a discount, said Janet Ruiz, director of strategic communications at the Insurance Information Institute. Past studies have linked embedded insurance’s youthful appeal to convenience. Polly, an insurance agency that markets insurance policies to auto dealerships, found that 81% of Gen Z and millennials would like the option to purchase insurance while buying their car. Pros and Cons of Buying Insurance Through Car DealersProsEffortless purchase processPotential discounts and affordable ratesMay speed claims processingOften the same coverage traditional insurers offerConsMay discourage comparison shoppingLimited carrier and customization optionsSome discounts could be missedPros ExplainedEffortless Purchase ProcessConvenience represents one of embedded auto coverage’s most significant upsides.“Insurance is arranged instantly at the point of sale, providing seamless coverage without requiring separate follow-up or paperwork,” said Steven Cegelka, chief operating officer at Ignition Dealer Services.Bundled Discounts and Affordable RatesBuyers may save money, as some lenders could offer a bundled discount or lower rates if the customer opts for an embedded insurance policy. Potentially Faster ClaimsYou also may encounter faster claims processing as providers often use automation and pre-authenticated customer data in their app or system. Often the Same Coverage Traditional Insurers Offer Beyond that, the differences in quality and price between embedded and traditional coverage can be negligible. “The insurance that’s offered by a dealership or car manufacturer is usually very similar to any auto insurance products you’d get” through traditional channels, Ruiz said. In fact, dealerships and manufacturers often offer embedded coverage in partnership with an established carrier. Nationwide, for instance, underwrites the policies for the Ford Insure and Lincoln Motor Company Insure programs, while Farmers Insurance Group companies underwrite Toyota Insurance policies. Cons ExplainedMay Discourage Comparison ShoppingThe ease of purchase could dissuade you from taking some important steps. “You're sitting there in the dealership, about ready to make a major purchase,” said Brian Moody, senior lead editor at Autotrader and Kelley Blue Book. “You might not have the time or frame of mind to do your own research.” Research is especially important when it comes to car insurance, as policies carry a lot of fine print, and you want to make sure you have adequate coverage. Limited Carrier and Customization OptionsPrices are heavily influenced by your personal profile, including age, gender (in some states), driving record, and credit history. If the dealer or manufacturer only offers insurance through a single carrier and that carrier doesn’t offer favorable rates to drivers with your profile, you could miss out on a more affordable policy. “Some buyers may benefit from comparing quotes separately,” Cegelka said. Some Discounts Could Be MissedWhile manufacturers or dealers may have discounts, their discounts might not be as favorable as you could get elsewhere. If you’re not comparison shopping, you won’t know.Tips for Buying Insurance Through a Dealer or ManufacturerFortunately, there are ways to ensure you’re getting good car insurance at the point of purchase. Ask questions. “The devil is in the details,” said Peggy E. Stover, associate professor and director at the University of Iowa’s Tippie College of Business. So, “ask a lot about what is and what is not covered.” Make sure, too, that you know which carrier is underwriting your embedded policy. Research the insurer’s reputation. Newer market entrants may have unproven staying power. “You don’t know how long these companies are going to be around,” Stover said. Get a better idea of the embedded insurer’s financial strength by investigating its ratings with independent agencies, like A.M. Best, Moody’s, S&P Global, and Fitch. Get online quotes from multiple insurers before car shopping. “They aren’t always completely accurate, but they give you a general range” of what you’ll qualify for, Ruiz said. These quotes will help you understand if the dealer's or manufacturer’s offer is competitive. Understand what discounts you qualify for. “Make sure you're not missing any through the embedded insurance,” Ruiz said. This step is critical if you have homeowners or renters insurance and would be foregoing a generous bundling discount by opting for a different carrier. It’s also important if you have other vehicles in your household and may otherwise qualify for a multi-car discount. The Bottom LineEmbedded car insurance is growing in practice and gaining traction with younger car shoppers who appreciate convenience and aren’t yet married to a particular insurance company. While these policies are often similar to their traditional counterparts, price and quality vary by provider and driver. If you're considering embedded car insurance, get quotes from multiple insurers and understand your coverage needs before buying from the dealership, manufacturer, or auto financing company.