Market Performance: November 30, 2023.

U.S. stock futures ticked higher on Wednesday night as all three major stock indexes prepared to wrap a winning November.

Futures tied to the Dow Jones Industrial Average rose by 87 points, or 0.25%. S&P 500 and Nasdaq 100 futures climbed 0.07% and 0.16%, respectively.

The biggest gainers in Wednesday’s extended trading session included Salesforce and Snowflake , rising on the back of better-than-expected earnings. Salesforce jumped 8%, while Snowflake added more than 7%.

Big Lots , Express and Kroger are set to report earnings Thursday before the bell. Traders will also watch out for October’s reading for personal consumption expenditures, a key inflation gauge for the Federal Reserve. Weekly jobless claims are also due.

30-day savings rule: Here’s how it helps to control impulse spending

A simple yet effective strategy, the 30-day savings rule is something anyone can implement in their financial routine to help curb impulsive spending.

The rule, which encourages people to pause and reflect on nonessential purchases for a month before making them, can lead to substantial savings growth. It’s especially salient at a time when 57 percent of Americans are uncomfortable with their level of emergency savings.

The premise of the 30-day savings rule is straightforward: When faced with the temptation of an impulse purchase, wait 30 days before committing to the buy. During this time, take the opportunity to evaluate the necessity and impact of the purchase on your overall financial goals.

Some questions you can ask yourself during the month-long interval before making a decision on the purchase are: Is the item/service a need or a want? Can I afford it without sacrificing other financial goals? Have I researched better deals and alternatives? Can I allocate the money to a higher priority?

Apple wants to cut ties with Goldman Sachs — here's what this means if you have an Apple Savings Account

Apple is looking to end its credit card and savings account partnership with Goldman Sachs. The tech company has sent a proposal to Goldman Sachs, asking to end its contract in the next 12 to 15 months, reports the Wall Street Journal.

If Apple and Goldman Sachs part ways, Apple would need to partner with a new financial institution to continue to offer the Apple Savings Account.

Apple isn't a bank, and only official banks can get FDIC insurance. FDIC insurance is important because it protects up to $250,000 per depositor, per ownership category in a bank account. If a bank fails, the FDIC will move your insured deposits into a new account with an insured bank or send you the money.

It's uncertain whether Apple already has a new banking partner lined up. If it can't find a replacement, there's a possibility Apple could discontinue the Apple Savings Account.

Alternative Investing