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Science

The winners of the Underwater Photographer of the Year contest were announced and they are incredible

From rare river dolphins to abandoned aircrafts, there's an entire world to explore just below the water's surface.

underwater photography
Kat Zhou/UPY 2023 (USA), Shane Gross/UPY 2023 (Canada)

There's an entire universe down there.

Space might be considered the final frontier, but right here on planet Earth, entire universes remain unexplored beneath the water’s surface.

Every year, the prestigious Underwater Photographer of the Year contest highlights stunning images from all over the world that offer a small glimpse into this mysterious world, reminding us of its breathtaking beauty, fascinating wildlife and—perhaps most important of all—the need to respect and care for its resources.

American photographer Kat Zhou won the title for 2023. (Technically, she also won Up & Coming Photographer of the Year—way to go, Zhou.) Her image of a rare Amazon river dolphin, captured at the perfect moment of smiling while poking its nose out from under the water, rose to the top in a sea of 6,000 entries. Due to river contamination and being killed or injured by fishermen, the species is listed as vulnerable in certain areas by the World Wildlife Organization, making this apparently happy interaction all the more impactful.

As judge Alex Mustard wrote, “In dark, tannic waters, Kat has created a striking composition capturing this rarely photographed and vulnerable species at the perfect moment…By far the best image we've ever seen of this species.”

Zhou also explained the river dolphin’s folklore in her entry.


Underwater Photographer of the Year 2023 Winner: “Boto Encantado” by Kat Zhou (USA)

Brazilian Amazon

river dolphin

“Boto Encantado” by Kat Zhou

Kat Zhou/UPY 2023 (USA)

“There’s a legend among locals in the Amazon that river dolphins, or 'botos,' can transform into handsome men known as 'boto encantado' at night to seduce women. Though I did not witness this elusive boto transformation, at dusk I was enchanted by these beautiful mammals in a different way. After seeing how botos would sometimes bring their beaks above water, I knew I want a split shot at sunset. Though the water was so dark that I was shooting blind, this dolphin gave me a perfect pose and smile!

As indigenous communities settled by rivers in the Amazon, river dolphins began living in closer proximity to human populations, even making use of food scraps. Frequent dolphin sightings led to tales like boto encantado, but there’s a darker side to the legend, as it was often used to excuse pregnancies after women were assaulted or forced into prostitution. While botos are generally revered as mythical creatures, many scorned husbands have killed dolphins because of these stories. Furthermore, many river dolphins have also been killed for use as fish bait. Though there have been bans on this practice, it has not been eradicated. With this, alongside even bigger impacts like mercury poisoning due to the gold mining industry and large development projects that have disrupted the river ecosystems, I fear that one day botos will truly become no more than mythical creatures.” – Kat Zhou

Take a look below at the winners from other categories:

Wide Angle Winner: “Fade” by J. Gregory Sherman (USA)

Stingray City, Cayman Islands

stingrays

“Fade” by J. Gregory Sherman

J. Gregory Sherman/UPY 2023 (USA)

“My dive partner and I chartered a boat to arrive at Stingray City on Grand Cayman before dawn so as to capture the morning light and undisturbed sand ripples. Just as the sun broke the horizon, a line of southern stingrays headed straight for me and I captured this image as they glided across the sand. Using a large dome port allowed me to create a split image showing the intensely colorful dawn sky contrasted against the nearly monochromatic stingrays and sand beneath the surface chop.” – Gregory Sherman

Wrecks Winner: “Engine with a Saddle” by Brett Eldridge (USA)

Point Loma, California

wrecked planes

“Engine with a Saddle” by Brett Eldridge

Brett Eldridge/UPY 2023 (United States)

“We were out scanning targets in June when we saw a very small, but promising sonar blip 230 feet deep. I geared up and jumped in hoping for something special. After some searching, my heart started racing when I first saw fish then the propeller of an almost completely intact, single-engine WW II airplane! It turned out to be a F8F-1 Bearcat, a rare aircraft that Neil Armstrong famously once said was his favorite and has been described as 'An Engine With a Saddle.' Alone on the first dive with limited bottom time, I took enough photos to build a 'draft' model and identify the wreck. Needing a better photogrammetry model for the UPY contest and with deadlines quickly approaching, I booked December 19th and crossed my fingers. We fortunately had epic conditions and I got the photos I needed. It was my last dive of 2022.” – Brett Eldridge

Behavior Winner: “Make Love Not War” by Yury Ivanov (Indonesia)

Tulamben, Bali

octopus

“Make Love Not War” by Yury Ivanov

Yury Ivanov/UPY 2023 (Indonesia)

“A couple of coconut octopuses 'making love' (mating). I knew that I can find this species of Octopus at one of dive sites near Tulamben village (Bali, Indonesia) and they are active only at night time in that place. I dive there only after 7pm hoping to photograph something unique – their mating. I've done more than 30 night dives at the dive site and finally I got lucky. The photo shows the end of their love.” – Yury Ivanov

Portrait Winner: “The Trunk” by Suliman Alatiqi (Kuwait)

Phuket, Thailand

elephant

“The Trunk” by Suliman Alatiqi

Suliman Alatiqi/UPY 2023 (Kuwait)

“The elephant's trunk is one of the most distinctive anatomical features in the natural world and this photo aims to emphasize it. Luckily, he was curious about my camera and was happy to feel it out which gave me the opportunity to capture this perspective despite otherwise bad conditions for an over-under photo (choppy water and poor visibility). In my first attempts, the nostrils were not fully lit because of how close they were to the lens (which was necessary for the intended photographic effect). So I returned at a specific time window when I thought the sun’s angle would be optimal and managed to fully light the nostrils. This added a lot more detail to the key part of the image without which the photo would not be as effective.” – Suliman Alatiqi

Save Our Seas Foundation Marine Conservation Photographer of the Year 2023 Winner: “Hopeless” by Alvaro Herrero (Spain)

Baja California, Mexico

whale

“Hopeless” by Alvaro Herrero

Alvaro Herrero/UPY 2023 (Spain)

“A humpback whale dies a slow, painful and agonizing death after having its tail entangled in a ropes and buoys, rendering its tail completely useless. A reflection of what not only our oceans are suffering, but also our planet, the product of man's selfishness and lack of responsibility. Taking this photograph was, for me, the saddest moment I've experienced in the ocean. Especially because I have spent so much time with humpbacks underwater, experiencing eye contact, interactions, and seeing with my own eyes how they are sentient and intelligent beings. But I'm 'happy' to being able to capture that moment and show the world what is happening, what we are doing. I really hope this image make us aware , open our eyes and drive us in to make real changes.” – Alvaro Herrero

Black & White Winner: “El Blanco – The White One” by Don Silcock (Australia)

Península Valdés, Argentina

whale photos

“El Blanco – The White One” by Don Silcock

Don Silcock/UPY 2023 (Australia)

“The image was taken on the last morning of a five-day trip to Peninsula Valdés in Argentina, in August 2022, under a special permit to enter the water with the Southern Right Whales that gather there between June and December each year. The mother, who can be seen in the background, accepted our presence and allowed the calf to interact with us. It was very playful but careful not to hit us with its tail and seemed to be really enjoying it all – almost as much as we were! White calves are very rare and referred to locally as 'El Blanco' or the white one!

Peninsula Valdés is an incredibly important safe haven and breeding ground for the Southern Right Whales of the southern Atlantic and Argentina has done an excellent job of managing it. It was, without doubt, my best ever underwater experience!” – Don Silcock

Compact Winner: “Klunzinger's Wrasse In Motion” by Enrico Somogyi (Germany)

Marsa Alam, Egypt

underwater photography

“Klunzinger's Wrasse In Motion” by Enrico Somogyi

Enrico Somogyi/UPY 2023 (Germany)

“When I was snorkeling in Marsa Alam I saw countless Klunzinger's Wrasses. One of them was particularly curious and very interested in my lens. I was able to take some good classic wide angle pictures. After a while I figured it would be a good idea to try a long exposure. So I set my camera to the smallest aperture f11, the ISO value to 64 and the exposure time to 1/13s. For this picture, I moved the camera forward a bit while the shutter was released. This created the zoom effect in the lower part of the image. I was very happy with the result.” – Enrico Somogyi

Macro Winner: "Unsung" by Shane Gross (Canada)

Location: Vancouver Island, Canada

baby fish photograph

“Unsung” by Shane Gross

Shane Gross/UPY 2023 (Canada)

“Walking along a rocky shoreline we would peer under rocks using a probe lens and my camera's LCD screen to check for plainfin midshipman nests. Once found I would lay on top of the barnacle-covered rocks, cutting my elbows, trying to compose images of fish most people have never heard of despite having one of the most interesting lifecycles of any animal. Plainfin midshipman are deep water fish that travel to the intertidal zone to spawn. The males sing to attract females and she will lay as many eggs as his singing deserves before moving on to the next singer. Now, the male has a chance to fertilize the eggs, but only if he is not beaten to the punch by a sneaker male who looks like a female. The singer male will then guard the nest never knowing the kids may not be his. Drama!” – Shane Gross

There are even more incredible images swimming around on the UPY website. You can even download a free yearbook featuring all the winning images and their captivating stories here.

Pop Culture

5 ways people are going "All In" this week

From the silly to the sentimental, here are five ways people across the internet are giving it their all.

True

When you hear the words “all in,” what do you think? You might picture a color-coordinated, fairy-themed surprise proposal that took months to create, or maybe you think of a singer who went on stage and nailed the perfect high note in front of everyone (like this girl). Whatever you picture, the idea is the same: Going “all in” means doing something with total commitment—literally giving it your “all” and going completely over the top. No second guessing, no holding back—just full-throttle enthusiasm with some creativity and flair thrown in. That’s how we get those viral internet moments we can’t stop watching.

This week, we've found a handful of hilarious and heart-warming videos that perfectly capture what it's like to go "all in"—moments where passion, creativity, and commitment take center stage and something truly special happens as a result. Here are five of our favorite examples.

1. This "Sports Car" singalong

@_julianabba Replying to @courtney_azbell I’m okay @tate mcrae @t8 hq #tate #tatemcrae #tatemcraetour #sportscar #soclosetowhat #misspossesive #misspossesivetour #tatemcrae1 ♬ original sound - jules

The viral song “Sports Car” by Tate McRae has become an absolute viral hit, and it’s not hard to see why. Not only is the song super catchy, but her performance is show-stopping (you might even say she and her backup dancers go all in). Everyone is singing and dancing along—although this content creator’s rendition of the song might be the most passionate one. He gets a little too caught up, as you’ll see at the end of this video—and, well, his reenactment becomes "show stopping" in a different way. (Don't worry, though, he's totally fine.)

2. A little bit of everything, according to Reddit (but especially personal growth) 

This week, the team at All In asked Reddit users what they go “all in” on in their own lives, and the responses were entertaining and inspiring (and sometimes both). One commenter shared that they go all in on blue cheese dressing when they’re eating buffalo wings (respect), while another shared that they go all in on saving up their retirement (we love to see people reaching for big goals). Turns out you can go “all in” on everything from maintaining a healthy marriage to putting salt on your cucumbers. Our favorite responses, though, were people who went in on personal growth and learning. Click here to see what they had to say (and click here to snag a box of All In bars—for free!).

3. Pursuing a life-long dream 

@kynder.jpg that's my mom! 💙⛸️ #iceskating #followyourdreams #figureskating #lifeover50 ♬ No One - Aly & AJ

If you’ve ever caught yourself thinking you’re “too old” to follow your dreams, watch this video, because this midlife mom will prove you wrong. This video shows a woman skating in her first figure skating competition—and she’s about to turn 50. The daughter, who filmed and posted the video to TikTok, says that ice skating has always been her mother’s lifelong dream, and recently she just decided to go for it. The costume, the composition, and the passion are all first-rate, but the best part is that the commenters are going crazy for her, too. One of them wrote, “As a former competitive figure skater, nothing makes me tear up like videos of people getting into skating later in life. The ice was my first love, it was home. Welcome home.”

4. These infectious dance moves

@itz_sokizzy

♬ Some Nights - Fun.

Okay, so unlike the figure skating mom, there’s nothing technically impressive about this woman dancing—as in, she’s not a professional dancer. She doesn’t use choreography or sparkly costumes—but what’s great about these videos is that her passion and enthusiasm just can’t be denied. It’s just her in her bonnet, dancing along to upbeat classics like “Some Nights,” by Fun, and somehow you can’t help but be completely mesmerized—and maybe start dancing along yourself. We watched a bunch of her videos—there are tons, and they’re all equally enthusiastic—and we couldn’t help but laugh and groove right along with her. That’s what’s great about going “all in”—it inspires other people, too.

Song re-enactments...with a surprising guest star 

@animallover.zx123 if you're done with your ex move on#just move on#ex #move on with your life #fyp #fyp #fyp #fyp ♬ Gladdest Done with your ex - GLAD FAMILY

People can sometimes be “extra” when it comes to their pets (like dressing up their dog as a cowboy or a mailman for Halloween). But there’s being “extra” with your pet, and then there’s going “all in,” which this TikTok creator undoubtedly does. King Guinea Adventures (@animallover.zx123) has built a platform on staging re-enactments of popular songs, but with a twist: the star of the show is a guinea pig. These hilarious videos show the guinea pig acting out the lyrics of popular songs such as “Video Games” by Lana Del Ray and “Whiskey Lullaby” by Braid Paisley and Alison Kraus. The literalism of these videos is what makes them actually hilarious, and it shows how much thought the creator put into making them (In “Video Games,” for example, when Lana sings “Swinging in the backyard / pull up in your fast car,” you see a literal toy car appear in the swing next to him. When she gets to the lyric “video games,” you see a Nintendo Switch pop up.) It’s creative, it’s funny, it’s fun—and best of all, this creator takes their love of pop culture (and the love of her pet guinea pig) and truly goes “all in.”

Snag a free (!!) box of All In snack bars here while this deal lasts. Just pick up a box at Sprouts and text a pic of your receipt to get it for free. Enoy!

A girl is crowned prom queen.

Every high school has a few "popular" students that almost everyone likes. They are often chosen to be prom king or queen and elected to the student council. They are the folks that everyone waves to in the hallways, and they are usually confident and friendly.

So, what are the traits that make certain people popular and others slink by with little recognition? Are the most likable kids also the most athletic? Do they have a higher GPA? Are they more extroverted? Are they funnier? Are they more attractive?

Communications expert Vanessa Van Edwards was recently on The Dan Buettner Podcast, where she shared the common trait that popular kids have in common. Van Edwards, who describes herself as a recovering awkward person, teaches communication skills at Harvard University.

Researchers discovered the trait after interviewing thousands of high school students and asking them to list the people they liked at school. It revealed a significant finding: popular kids had the longest lists of people they liked.

What traits do popular kids in high school share?



The findings are straightforward: if you like a lot of people, many of them are likely to like you back.

Even though you may no longer be in high school, there are benefits to being popular in your workplace, church, or neighborhood. Van Edwards says we should all learn how to like other people if we want to be likable ourselves.

“Learn how to like," she told Buettner. "In fact, be free with your likes. The most popular kids were the ones who were first likers. In other words, they walked down the hallway and they say, ‘Hey, Dan. Hey, Sarah. Hey, Joy.’ They're the ones who walk into a class and be like, ‘Hey, you want to sit with me?’ They are inviters. They are likers. They are looking for good. And in that way, I think that we can train ourselves to be more likable by searching and hunting for likes."

@steven

Body language expert Vanessa Van Edwards reveals what makes kids popular and the common trait that all of them have 👀 Full episode on The Diary Of A CEO #podcast #podcastclip #interview #bodylanguage #tips #advice #tip #vanessavanedwards #expert #doctor #dr #didyouknow #popular #friends #diaryofaceo

There’s something very positive about the fact that people who like others are liked in return. It’s a great excuse to have an open attitude when meeting new people and to look for the good in everyone around you, even if they may be a little challenging to get along with.

What is the reciprocity of liking?

There is a concept in psychology known as the reciprocity of liking, which states that if someone likes you, you tend to like them back. Because when someone likes you, they are usually kind and supportive. Therefore, most people like those who like them.

However, there is one big caveat to this truth: People with low self-esteem often dislike themselves, so if someone shows them affection, they may not reciprocate because it makes them feel out of balance.

Ultimately, if you want to be the popular kid in any of your social or professional circles, you have to like yourself first. Because when you like yourself, there’s a much greater chance that you will like other people. This leads to a virtuous cycle of friendship growth, where you expand your social circle in a wonderfully positive way.

Internet

People rally for plane passenger who defended his right to sit in the seat he paid for

A mom had given her child the man's seat with the flight attendant's blessing.

People rally for passenger who demanded his seat from a mom

Boarding a plane is always awkward, especially if you're in the later boarding zones. It's inevitable someone is going to sit in the wrong seat, usually by accident, causing a silly scooching and standing routine. But what happens when someone is in your seat on purpose? Not just any someone, a child whose mother informed them that they were allowed to sit there.

This is what happened to Osaac Summers when he flew with American Airlines recently. Upon boarding his flight he noticed a child sitting in his seat so he continued walking, possibly assuming that was not his seat. Summers is fairly tall, standing at 6' 2" which makes sitting in enclosed seats uncomfortable which is why he paid extra for an aisle seat. But since a child was occupying his seat he was prepared to allow the child to stay there while he found a vacant seat.

airplane seat; plane seat; entitled parents; man takes seat back; airlines; flight attendant Passengers seated on a plane, ready for takeoff.Photo credit: Canva

Summers tells the child's mother that next time she should ask the person the seat belongs to if they would mind swapping seats.

"I'm like ma'am, I really don't want to take the seat from you and your child but next time it'll be the best thing to ask before taking a seat. You know like just ask because I don't have no problem giving the seat to you if you want to sit by your family but right now you got me standing up, you know in the middle of the plane. Everybody looking at me and I'm just sitting here waiting on a seat or for you to get up and nobody's doing anything about it," Summers recalls in his video.

Instead of getting upset, the man says he went to find another seat on the aisle but was told by a flight attendant that he couldn't sit there. Summers explains to the flight attendant that he's long and needs to be an aisle seat which is why he picked his original seat. But was then met with the flight attendant telling him that the woman and child boarded the plane first, implying that their boarding order gave them permission to occupy the chair he paid for. When he reminded the attendant that the seats were assigned she then told him he could take his seat back.

@lalawright2

Respectfully they should’ve asked him if it was coo first cause he did pay for that seat.

This is where things go a little off the track. After explaining that he would feel bad for taking the seat the flight attendant allegedly told him that he would be the "bad guy" for sitting in the seat he paid to sit in. It was then that Summers told the attendant that he wanted his seat that he paid for to which the flight attendant responded poorly saying that the now seatless man could be removed from the flight.

The mother who witnessed the interaction did not move her child to the correct seat, instead she allowed her child to stay in Summers' rightful chair. Eventually another passenger offered the mother their seat so she could sit with her child but not before the woman's sister told Summers to shut up. Another flight attendant did come to the frustrated man's aid to attempt to calm the situation prior to him getting his seat back.

@osaacsummer

Visit TikTok to discover videos!

Someone uploaded a video of the incident on social media showing Summers responding angrily to someone who was upset he retrieved his seat. Another passenger told the story from her point of view which matched what Summers had already recounted. While passengers on the plane seemed upset that Summers wanted his seat back, people online were solidly on his side.

"So... you paid for the seat They tried to steal it then the flight attendant came and consoled them for NOT being successful in their crime? ok..." one person writes.

"So by the flight attendant logic, if I get on the flight and there's an open seat in first class, I get it because I was there first," another says.

@lalawright2

here y’all go

"You should report the flight attendants to the airline and demand an apology. You paid for the seat, they can't just claim it," someone else chimes in.

One commenter confirms "You weren’t remotely the bad guy here. They were incredibly entitled. They don’t get to use their kid to be rude."

Another person writes, "Let’s normalize when booking your flight you pick seats for you and your children to sit together. If not do not expect someone to give you their seat. I would’ve told her to rise up like the sun and get out my seat."

This article originally appeared in July.

Community

Budget shoppers share tips for spending $100 or less on groceries a week

Beat insane grocery prices with this frugal grocery advice.

Image via Canva/97

How to spend under $100 a week on groceries.

Grocery prices these days are astronomical. According to the U.S. Department of Agriculture, food prices have been on an uphill climb since 2020.

The average American family of four spends anywhere from $996-1,603 on groceries, but frugal people and budget shoppers are finding creative ways to save money on groceries with a weekly grocery budget of just $100.

Yeah, you read that right: keeping your grocery bill at $100 or less is possible. Budget grocery shoppers shared their best advice for how to save big on groceries on the subreddit r/budget.

- YouTube www.youtube.com

"Frozen veggies. It’s a myth they are less healthy than fresh. Get the $1 variety bags from aldi. No chopping needed. Each bag is like 4 servings. Dump a bit straight into the pan and cook for like 12 min and you’re good to go." - Dismal_Pop2092

"Go on fb marketplace and get an instant pot. For $20-$40. The key to saving on groceries is a little more time cooking so you don’t have to buy the expensive ready made stuff. Instant pot makes it so you can set and forget which is super helpful. The only way I can afford meat anymore is buying whole chicken and putting it in the instant pot (it’s also the tastiest prep imo!)" - Dismal_Pop2092

"Cut the junk food. Seriously. It’s a farce that eating healthy is expensive. I promise if you just buy INGREDIENTS and not PRODUCTS your grocery bill will go down significantly." - Dismal_Pop2092

"I've been keeping track of our spending for the last 12 months and on average, we were blowing through $825 a month on groceries....and $400 on take out. So I immediately made a menu up for the remainder of the month (this happened in sept 9th) and a grocery list of anything I might need, plus some staples we needed. Then I combined menu planning with freezer cooking. I have the rest of sept meals planned out, prepped and/or frozen. I have all of October meals planned out as well but haven't gone grocery shopping yet. Ive cut our monthly grocery budget down to $400 a month (family of 5) and our takeout budget to $0. And so far.... im $47 under budget for the month and already have all the meals planned." - rickrolled_gay_swan

"Bread makers can also be found for cheap at thrift stores, and for basic loaves (including whole wheat) older models work fine. You can make 3-5 loaves of your own bread for the cost of 1 at the store, and you can save even more if you buy things like flour, yeast and eggs in bulk. I have a kid here with gluten intolerance, and making GF bread at home is a huge savings - but just FYI for the GF folks, most older bread makers are not good at making GF bread unless you use them for only the mix and rise and then finish them in your own oven. Oatmeal and other grains are your friend fellow shopper! You can buy them in bulk for cheap." - SunLillyFairy

- YouTube www.youtube.com

"I also save my fats. bacon grease, chicken smaltz. got little jars for all of it. I also only buy the big generic oil. gave up wasting money on olive oil. just keep a neutral/high smoke point oil around. whatever is cheapest per volume. And I also save my scraps from veggies. i have a ziplock bag for onion and carrot ends, or celery nubs, and on the weekend, will bake a chicken, and make stock the next day." - oneWeek2024

"My tip: Make whatever the hell you want in a quarter portion than usual, and then lay it over a bed of rice, beans, lentils, potatoes, pasta, or corn. Does not apply if you’re low-carb. I love carbs. They’re the body’s preferred source of energy, very delicious, and very cheap. I do limit my fats, usually a tsp or two of oil gets the whole pot slick. I prefer lean meats, and they have been very affordable from Costco. $2.77 chicken breast, $3.18 93% ground turkey, $5.40 91% ground beef. Turkey can be subbed for most of my beef recipes." - katie4

"Something I’ve found super helpful living alone and trying to budget is I like to get a bang for my buck. Meaning that I will go to Safeway or Costco (I don’t have an Aldi’s) to buy the big azz tub of spinach/greens for $5. I eat a huge amount of it during the week, but the rest I know I can’t finish (at least 1/3 of it), I will freeze. Then, I don’t waste it. I can then add in amounts with my protein powder and soy milk. 😀 I also do this with my nutpod creamer. If I go to sprouts, sometimes they have a BOGO so you spend $6 for 2. What I do is I have a separate large ice cube tray specific for the nutpod creamer. I will probably drink half of it during the week and the other half I can’t finish in 1.5 weeks before it goes bad. So I save the rest in the ice cube trays. I know these are saving cents or some dollars, but it goes a long way!" - healthnut270

"These tips are gold! I'd add: shop your pantry first because I used to rebuy stuff I forgot I had like some grocery store amnesia patient." - PaycheckWizard

"I shop around at various stores between TJ’s, Aldi, and Kroger and basically follow the ideas above. I spend about $30-35/wk as a single person. A biggie is cutting the snacks- I don’t buy chips, granola bars, cookies, etc. I also don’t buy drinks, with the exception being Diet Coke when it’s on a major sale at kroger. I do a lot of crockpot meals that I divide up into six servings or so, eating a couple during the week and freezing the rest for later. I always have meal options in the freezer when I want to not buy groceries for a bit. It’s pretty painless once you get the hang of it. I normally only cook once a week or so. I also eat healthier this way when things are planned ahead and in portions." - momthom427

@a1qb2x

Heres what $100 can get you at ALDI #fypage #savingmoney #groceryhaul #money #budget #financialfreedom

Money-saving grocery tips from financial experts

Looking for even more ways to save on your grocery bill? Financial experts offer nine additional tips.

1. Start a garden.
"Growing even a small amount of food at home can make a difference. Herbs, lettuce, and tomatoes on a balcony or windowsill are inexpensive to start and keep paying off," David Kindness, a Certified Public Accountant (CPA), tax expert, and personal finance writer at BestMoney.com, tells Upworthy.

2. Buy 'ugly' produce.
"I also suggest looking for discounted or 'ugly' produce. Stores mark these down heavily, but the quality is usually just fine once you cook with them," says Kindness.

3. Check the sell-by date.
"Another smart move is shopping for items that are close to their sell-by date. Bread, dairy, or meats can often be frozen or used right away," says Kindness.

4. Timing matters too.
"Another trick is to look for discounts on fresh items close to closing time. Stores often reduce prices on produce, baked goods, or meats to clear shelves, and those markdowns add up fast," Ashley Akin, CPA, tax consultant specializing in tax compliance services, and the Senior Contributor at CEP DC, tells Upworthy.

5. Don't sleep on rewards and savings programs.
On top of that, cashback and rewards apps, or even mystery dining programs can help you earn money back on top of your savings. These are often overlooked but they add up over time," Kindness says.

6. Compare unit prices.
"I also tell people to check unit prices rather than just the sticker price." Akin says. "Sometimes the bigger package is cheaper, but not always, so comparing saves you from paying extra just because of packaging."

7. Budget for meals vs. snacks.
"I also remind people to separate their meal budget from their snack budget. It may sound small, but it stops impulse purchases from eating into what you really need," says Kindness.

8. Eat before you shop.
"And whenever possible, shop alone and never on an empty stomach," says Kindness. "It is the easiest way to avoid unplanned extras."

9. Get low.
"Even checking the bottom shelves can reveal the best value items that stores place out of sight," adds Kindness.

A woman with hundred dollar bills.

The United States has more money held by private citizens than any other country in the world. According to the Federal Reserve, U.S. households hold a total of $160.35 trillion, which is the value of each person’s assets minus their liabilities. However, many Americans are perplexed by the fact that, in a country with such wealth, so many people still struggle to make ends meet.

Although Americans hold the largest amount of privately held wealth in the world, many of us still struggle with financial stress. A recent report found that 68% don’t have enough money to retire, 56% are struggling to keep up with the cost of living, and 45% are worried about their debt levels. A significant reason is that a small number of people hold a large portion of the privately held wealth in the U.S..

Nearly two-thirds of America’s private wealth is held by the top 10% of people, leaving the remaining one-third to be divided among 90% of the population.

elon musk, richest americans, elon musk black hat, elon musk sunglasses, doge Elon Musk at CPAC.via Gage Skidmore/Wikimedia Commons

What if America divided its privately held money evenly?

With so many people struggling in America, while a few at the top are unbelievably wealthy, what would happen if the money were magically divided evenly among the 340 million people who live in the United States? If everyone received a truly equal share of the American pie, every person would receive approximately $471,465. That’s $942,930 per couple and $1.89 million for those with two kids.

With that chunk of change, the couple could easily pay off the average U.S. mortgage and have plenty of resources to save for a good retirement and send both kids to a decent college or trade school. The billionaire who once had more assets than they knew what to do with would probably have to move into a middle-class neighborhood.

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However, such a drastic redistribution of wealth would be cataclysmic for the economy, as people would have to liquidate their investments to give their assets to others. The sudden increase in wealth for many, without a corresponding increase in goods and services, would lead to incredibly high inflation. The dramatic reconfiguring of the economy would also disincentivize some from working and others from innovating. Some posit that if everyone were equal, in just a few months, those with wealth-generating skills would immediately begin rising to the top again, while others would fall behind.

What programs reduce poverty?

Although it seems that a massive redistribution of wealth isn’t in the cards for many reasons, we do have some evidence from recent history on how programs that give people money can help lift them out of poverty. Government stimulus programs during the COVID-19 pandemic brought the U.S. poverty level to a record low of 7.8% in 2021. Child poverty was also helped by the American Rescue Plan’s Child Tax credit expansion, which drove child poverty to an all-time low of 5.2%. It’s also worth noting that the trillions in government stimulus had a downside, as it was partially responsible for a historic rise in inflation.

While for many, the notion that there are billionaires while others can hardly get by feels obscene, redistributing America’s wealth is more of a thought experiment than something that would realistically happen. But it highlights an important truth: massive wealth inequality exists in the world’s wealthiest nation. While perfect equality will never exist, that shouldn't stop us from making targeted efforts to reduce poverty that make a meaningful difference in people’s lives.

This article originally appeared in July

A woman falls asleep during boring conversation.

People who talk too much are doubly rude because they put the person they're talking to in a terrible situation. First, they have to listen to them go on and on with little care for their feelings. Second, they make the person listening feel rude when they eventually have to tell them to be quiet or walk away from the conversation.

Whether it’s someone at a party who wants to tell you all about their trip to Switzerland or a coworker in a meeting who gives 45-minute answers to simple questions, everyone has to deal with a chatterbox from time to time. The good news is that Jessica Chen is here to show us how to confidently (and politely) interrupt someone who won’t stop talking and redirect the conversation.

Chen is a global communications expert, keynote speaker, former Emmy-award-winning TV journalist, and author of Smart, Not Loud: How to Get Noticed at Work for All the Right Reasons.

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“People who are extremely loud and dominant in a conversation, it's because they love the sound of their own voice, and they feel like what they have to say is so darn important,” she said in a TikTok video. “Doesn't mean that you sit back and you just kind of, like, let it be. You still gotta be top of mind. And it's finding that split-second moment to insert yourself in the conversation, but acknowledging what they said.”

Chen believes that if you pop in when they take a breath and acknowledge what they said, they won’t be upset when cut off, because they got what they needed from the interaction. In a recent CNBC article, she shared a script on how to interrupt a chatterbox and redirect them.

meeting, talking too much, women at meeting, high rise building, business clothes People in a business meeting.via Canva/Photos

How to stop someone who talks too much

“So say the person’s name firmly and politely. This combination showcases both confidence and presence without coming across as confrontational,” she wrote. “Next, reroute the conversation to what you want to talk about. Be strategic by showing that you’re collaborative and trying to expand on their thoughts. People love to feel like their ideas were acknowledged, and it also creates a seamless conversational flow.”

For example:

“John, your thoughts on how to address the billing situation remind me of a similar problem we had last year…”

“Alison, that’s wonderful. I never knew that about vacationing in Paris. Last year, I took a trip to the Bay Area…”

If you’re not sure how to address the chatterbox, you can use this generic transition: ″[Person’s name], can I jump in real quick here? I’d love to open up the conversation…”

bored woman, boring conversation, boring date, blonde woman, chatterbox A woman looking bored in a meeting.via Canva/Photos

Why do some people talk too much?

According to Michelle C. Brooten-Brooks, LMFT, there are several reasons why some people talk excessively. It could merely be a personality trait if they are an extrovert or if they have high levels of anxiety and neuroticism. Additionally, individuals with high levels of disagreeableness may speak excessively to convey their point. Excessive talking can also be a symptom of autism, social anxiety disorder, or ADHD.

Ultimately, we shouldn’t feel bad about interrupting people who talk too much because they chose to be inconsiderate of your time and attention in the first place. Unless a mental disorder causes their excessive talking, then you shouldn’t feel bad about cutting off someone who is forcing you to be overly generous with your time and attention.

This article originally appeared in July