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Good morning. It's Monday, Dec. 11, and we're covering how to save money on utilities during the holidays, fun date ideas that won’t break your budget, putting cold calls on ice, and much more.

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Stock Market Update

Market Performance: December 11, 2023.

Asian shares were mixed on Monday after Wall Street reached a 20-month high ahead of a week that includes essential U.S. inflation data and the Federal Reserve’s final rate decision of the year.

U.S. futures were lower and oil prices rose to recover some of their sharp losses in recent months.

Hong Kong’s Hang Seng sank 2% to 16,012.42 and the Shanghai Composite slipped 0.6% to 2,952.57.

In China, leaders agreed at an annual planning meeting last week to boost spending to accelerate the world’s second-largest economy, though details of policy changes were not provided.

Financial Maverick Insights

Three easy tips to save money on utilities during the holidays


When it comes to saving money during the holidays, many people are willing to try anything. One way can do this is by adjusting your energy usage. Writers at Yahoo Finance offered multiple tips to save money on your utilities to stretch your money further this holiday season.

We all know not to keep the water running, but the writers took it a step further. You can save more money by not opening your tap all the way. By reducing the flow, you're reducing the excess water that isn't being used.

Speaking of water, consider the temperature. The National Resources Defense Council, or NRDC, has some data to back up this tip. You can turn down the temperature of your water heater. The NRDC says many are cranked to about 135 or 140 degrees. Researchers say taking the temperature down about 20 degrees can save you up to $400 per year.

12 Fun Date Ideas That Won't Break Your Budget

For those seeking a meaningful connection on a budget, this video offers a dozen creative date ideas that foster genuine bonds without breaking the bank. From picnics and hiking to volleyball and stargazing, these activities emphasize quality time over lavish spending.

Is inflation taking a bite out of your date night budget? When run-of-the-mill date nights with dinner and a movie can set you back $100 (not including the babysitter), it can be tough to fit regular date nights into the budget. But don’t worry, because there are plenty of ways to spend a fun and romantic date night together in a budget-friendly way.

Cheap doesn’t have to equal boring. If anything, it means you get to be a little more creative with planning the date. Plus, you get to think up exciting, out-of-the-box ideas and put in that extra effort. Here are 12 cheap date ideas to try out any day of the week.

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