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These 3 Stocks Have Underperformed the Market This Year. Is Now the Time to Buy? – Motley Fool

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Returns as of 11/30/2021
Returns as of 11/30/2021
Founded in 1993 by brothers Tom and David Gardner, The Motley Fool helps millions of people attain financial freedom through our website, podcasts, books, newspaper column, radio show, and premium investing services.
While the S&P 500 has increased by more than 25% this year, not all stocks have benefited from the market’s gain. The following stocks have badly lagged the overall market this year for various reasons.
While that doesn’t necessarily mean this is a good time to buy, each warrants a closer look.
Image source: Getty Images.
Johnson & Johnson‘s (NYSE:JNJ) stock price has gained only 3% this year. This is partly due to the well-publicized issues with its COVID-19 vaccine. Following reports of blood clots, the U.S. Centers for Disease Control and Prevention and the Food and Drug Administration recommended pausing the use of the vaccine.
However, while last year’s results were hurt by COVID-19 for a variety of reasons, this year has been solid. In the third quarter, Johnson & Johnson’s adjusted sales increased by 10.6%
In an effort to unlock shareholder value, the company recently announced a plan to spin off its consumer health business. This is a slower-growing business than the medical devices and pharmaceuticals segments. Consumer health’s sales grew by less than 6% in the recent quarter.
But the new stand-alone business will have powerful brands. These include Band-Aid, Tylenol, Motrin, Nicorette, and Listerine, to name just a few. These products do well no matter the state of the economy.
Meanwhile, Johnson & Johnson can concentrate on producing newer treatments and products for the faster-growing pharmaceuticals and medical devices businesses.
Walmart‘s (NYSE:WMT) stock has been flat this year. While it’s nice not to lose any money, that’s far behind the S&P 500’s gain.
Earlier this year, investors were taken aback by management’s lukewarm guidance. At that time, Walmart expected flattish adjusted operating income.
However, its fiscal third-quarter operating income rose by almost 6.5% after excluding divested businesses from last year’s results. This covered the period that ended Oct. 31.
Even better, management increased its expectations a couple of times this year. In August, it raised its operating income guidance to an 11.5% to 14% increase.
Walmart also plans to spend $13 billion to focus on the supply chain, automation, and customer-facing technology. These steps should help the company keep pace with online competitors, namely Amazon.
With Walmart’s focus on low prices and omnichannel initiatives that allow customers the convenience of buying and receiving goods in a multitude of ways, the company is well positioned for the future.
Walt Disney‘s (NYSE:DIS) stock is down by more than 15% this year. There’s no getting around the fact that COVID-19 hurt the company’s results by shutting down its theme parks, delaying movie releases, and stopping live-action sports that hurt ESPN, its sports network. Out of caution, the board of directors suspended Disney’s dividend.
More recently, investors have been dismayed by slowing growth at its streaming service, Disney+. In 2020, the number of paid subscribers skyrocketed to 94.9 million from the prior year’s 30.4 million, undoubtedly helped by people stuck at home. In the recently completed fiscal year, which ended in October, there were 118.1 million subscribers, but this only increased by about 2 million from July. But with a ton of content coming out that will make its way to Disney+, this slowdown will likely prove temporary.
More importantly, Disney has become a global media empire. So even if the streaming service’s growth lags for a while, other pieces of the business will pick up the slack. This includes television networks, theme parks, movie studios like Disney, Pixar, Twentieth Century, and Marvel, and retail stores. Even with its streaming service’s slowing subscriber growth, fourth-quarter revenue rose by 26%.
With such great properties and content, I have no doubt about Disney’s long-term prospects.
These three companies all seem worthy of an investment. Aside from establishing great franchises, each has taken steps to ensure a bright future. Johnson & Johnson is breaking itself into two, but remains a rock-solid business. Walmart, established as the low price leader, continues to invest in technology to keep up with the times. And Disney continues to expand, including buying Twentieth Century Studios and launching its streaming service a couple of years ago.
Attractive brands and astute moves to position their companies for the future would seem to add up to attractive long-term investment opportunities when you consider their stocks have trailed the market this year.

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5 Easy Detox Meals for Faster Weight Loss — Eat This Not That – Eat This, Not That

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Detox” is one of those buzzwords that grabs your attention especially after you’ve consumed too many salty snacks, deep-fried appetizers, and beers, or fill-in-the-blank with your favorite unhealthy meal. When you don’t feel great after eating the less-than-healthy food you ate, you may wish you had something to detoxify your body and cleanse your conscience.
Fortunately, you don’t have to rely on any specific food to remove the so-called “toxins” like preservatives, sugars, too much sodium, and saturated fats that you’ve welcomed into your body. Your organs do a fine job of detoxification naturally on their own.
But you can help your organs by adopting a diet rich in anti-inflammatory foods and antioxidants.
Unfortunately, eating one healthy meal filled with these foods after a particularly unhealthy meal is not the answer; however, eating a variety of these foods every day is.
Some types of anti-inflammatory foods are fresh fruits, vegetables, beans, and fish that combat the chronic low-grade inflammation caused by consuming fried and highly processed foods. Antioxidants are compounds like vitamins C, E, and beta-carotene found in colorful fruits and vegetables that counteract cell-damaging molecules called “free radicals.” You’ll find an abundance of all of these “detoxifying agents” in the recipes below.
Put these delicious meals on your regular menu rotation and kick start a habit of clean eating that’ll build a stronger, leaner, healthier you. For more healthy, weight-loss-helping meals, check out 22 Meals to Melt Belly Fat in 2022.
Turn your slow cooker into your weight-loss partner. On days when you are crunched for time, it takes 20 minutes or less to “prep and dump” anti-inflammatory ingredients like beans, peppers, mushrooms, and turkey breast into a slow cooker pot and, you know, set it and forget it until you come home from work. For an antioxidant booster, add a crisp green salad as a side dish.
Get the recipe for Turkey and Two-Bean Chili.
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Going meatless several times a week is a great way to reduce saturated fats and hormones from meat in your diet. The chickpeas and quinoa in this hearty and satisfying soup supply 8 grams of protein to satisfy your hunger and boost your metabolism by building muscle. This recipe makes six servings, enough to freeze and save for a quick lunch another day.
Get the recipe for Chickpea Quinoa Soup.
RELATED: 20 Best Soups for Your Slow Cooker
A salad can make a satisfying low-calorie meal if you use the right plant-based ingredients like protein-rich garbanzo beans and the satiating, heart-healthy fat from olive oil. The fresh herbs (as well as the vegetables) have anti-inflammatory properties and the cauliflower in part provides powerful antioxidants and phytonutrients that protect against disease and dietary fiber to feed the good bacteria in your gut, which plays a key role in reducing inflammation.
Get the recipe for Mediterranean Cauliflower and Pepper Salad.
Unless you’re talking about Froot Loops, in general the more colorful your meal, the more detoxifying nutrients it contains. That’s why it’s hard to beat this easy and quick to clean up sheet pan dinner full of greens, yellows, oranges, and reds. The lead protein here is salmon (choose wild-caught), which is a great source of the anti-inflammatory omega-3 fatty acids, DHA and EPA.
Get the recipe for Sweet and Spicy Glazed Salmon with Roasted Green Beans, Cherry Tomatoes, and Yellow Squash.
Instead of ordering Chinese takeout the next time you hunger for a flavorful Asian meal, use a grill pan to make quick work of chicken breast and crisp bell peppers and baby bok choi. Chinese American takeout tends to be very high in sodium and fat and therefore highly inflammatory. You can do better at home with clean, fresh, nutritious ingredients.
Get the recipe for Juicy Asian Chicken and Saucy Slaw.
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They're easy and nutrient-rich!
Easy-to-make meals for your weight loss goals.
Pluck out your favorites!
© 2020 Galvanized Media. All Rights Reserved. EatThis.com is part of the AllRecipes Food Group

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One-Third of People Have $100 or Less in Their Checking Accounts, Survey Shows — Here's How Much Experts Say You Should Actually Have – GOBankingRates

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Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all available deposit, investment, loan or credit products.
Checking accounts are the bedrock of personal finance in the United States. According to a recent GOBankingRates survey of more than 1,300 adults from all over the country, more than 95% of America has a checking account, the highest percentage among all account types. However, more than one-third of those surveyed say they barely keep any money in checking at all. 
Read More: Gen Z and Millennials Favor National and Online Banks, Survey Shows — What Does That Mean for the Future of Credit Unions?
See: GOBankingRates’ Best Online Banks of 2022
GOBankingRates talked to experts who were stunned by the study’s findings, as well as some who thought it sounded just about right. Here’s what money professionals think is the appropriate amount of cash to keep liquid and at the ready in a checking account.  
GOBankingRates’ Top Picks: Best Savings Account of 2022

The study found that 35% of the country — more than 1 in 3 Americans — keep less than $100 in their checking accounts at any given time. For context, consider that the next-biggest groups — the 18% who have balances of either $101-$500 or $501-$1,000 — were only about half as big. 
For about 11% of the country, the magic number falls between $1,001 and $1,500. A little less than 6% have up to $2,000 in checking and about 13% keep more than $2,000. 
If you think that a double-digit account balance for one-third of the country sounds insufficient, you’re in good company. 
“It honestly surprises me that the number is so low,” said Julie Ramhold, consumer analyst with DealNews.com. “I would expect many to be putting the bulk of their income into a checking account still.” 
So, if $99 or less is low, where is the sweet spot? 
“The short answer is that most experts advise keeping one to two months worth of living expenses in your checking account,” Ramhold said. “It’s also good to pad out that number with an extra 25% to 30% of your monthly living expenses as an extra cushion.” 
Boost Your Finances: 7 Simple Habits That Will Make You Richer in 2022
Not all experts were shocked by the study’s findings — in fact, at least one thinks the results are right on the money. 
“I keep less than $100 in my checking account for several reasons,” said Wendy Barlin, CPA. 
The first argument in favor of an ultra-low balance is that checking accounts earn zero interest or, in the best of cases, close to it — but Barlin cited another point that’s equally convincing. 
“Checking accounts are linked to debit cards, which are the biggest fraud problem,” Barlin said. “I don’t want someone taking money out of my checking account. I keep all my money in a savings or money market account.”
It is, after all, much easier to get credit card companies to reverse fraudulent charges than it is to get banks to return cash. 
Find Out: How To Compound Your Income in 2022
As you can see, the spectrum is so broad that it ranges from $99 to two months worth of living expenses plus 30% — and that’s after speaking to only two experts. Some said you should have up to six months on hand. 
A consensus is elusive, of course, because everyone’s life and financial footprint are unique.  
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“How much you should keep in your checking account depends on various factors, such as your income and expected expenses, recurring bill payments and cash withdrawals,” said Laura Adams, MBA, a personal finance expert with Finder.com
Another reason that the “right amount” is so hard to nail down has to do with the transitory nature of money held in checking accounts. Checking accounts are a temporary way station for money that will be redirected to pay credit card bills, fund investment accounts and IRAs, and settle up for the month with the mortgage lender.
“Most people deposit income into their checking and make disbursements from that central account for everyday expenses and savings,” Adams said.
One school of thought says that the right amount is whatever you need to cover your expenses — and not much else. Whatever’s left over, after all, could be put to better use elsewhere.
“Since interest earnings on bank accounts are typically a fraction of 1%, keeping large sums in a checking account isn’t a wise option,” Adams said. “Moving excess money into higher-yield savings allows you to earn more interest and maintain a separate fund for emergencies.”
There’s even an argument to be made for putting that money in an index fund since savings yields aren’t much better than checking yields, but if you are a checking account minimalist, remember that it’s better to have a little too much money than not enough. 
Keep Reading: Here’s How Much You Need To Earn To Be ‘Rich’ in Every State
While you don’t want too much money idling in checking when it could be earning you money somewhere else, a healthy cushion of cash is an absolute must if you want to avoid the significant penalties that come with maintaining an underfunded checking account. 
“As a general rule of thumb, your goal should be to maintain a balance that helps you to avoid the risk of becoming overdrawn or incurring bank fees,” said Maxim Manturov, head of investment research at Freedom Finance Europe, a subdivision of Nasdaq-traded Freedom Holding Corp. “With this in mind, your account should never drop below your minimum required balance, so it’s important to consider your expenses accordingly, as well as your general monthly outflow.” 
It’s likely that part of the reason people keep so little money in their checking accounts today is that low balances aren’t as dangerous as they once were. Most banks let you transfer money instantly from savings to checking if things get tight — even after hours — or you can set up overdraft protection that moves money automatically from savings to checking to cover a debit in progress. Those are all incredibly helpful tools that would have seemed like magic a generation ago to anyone who ever wrote a check that they didn’t realize they couldn’t cover. 
But unlike checking accounts, the money you put in savings was not designed to be transitory. That money is supposed to stay put, and if you overuse your savings account as a backstop to your checking account, you’ll start incurring penalties. That’s because Federal Reserve Board Regulation D forbids you from making more than six withdrawals from a savings account per month.
For Your Financial Future: $1M Is No Longer the Standard Nest Egg – Here’s How Much Most Americans Think You Actually Need To Retire
In the GOBankingRates survey, the oldest Americans — those ages 65 and up — were far more likely to have larger balances in their checking accounts and far less likely to have low balances than all other age groups, with younger sets trending farthest in the other direction. 
It’s not only because 20-somethings tend to have less money than their elders — technology has forced a generational divide in banking habits and attitudes. 
In a world of crypto wallets and Venmo, paper checks — and the accounts they’re linked to — have taken on a very 20th-century feel. Many young people have never written a check and have certainly never used longhand arithmetic to balance a checkbook, which is by now the financial equivalent of cursive. 
Older people tend to favor the security of having plenty of cash “on hand” in their checking accounts, while younger generations tend to view all their money as being on hand all the time. With 24/7 access to PayPal, p2p payments, buy now, pay later purchasing options, and nearly instant transfers from brokerages to banks, why should they fret about the balance in their checking accounts?
“In the height of the information age, people are getting smarter about personal financial wellness,” said James Dunavant, CEO of the personal finance platform Tend. “Naturally, their preferences are also shifting toward more transparent platforms that offer faster, simpler and more personalized services. Rather than keeping their money in a checking account, consumers are exploring other options that provide greater benefits, whether it’s increased convenience, speedier processing, more rewards or fewer hidden fees. The next generation, in particular, has a deeper understanding of the wide breadth of financial tools that are available to them, and they’re willing to do the extra research to move their money into the best money management services, platforms and apps that make sense for their individual needs and goals.”
More From GOBankingRates
Methodology: GOBankingRates surveyed 1,335 Americans aged 18 and older from across the country on between December 1 and 3, 2021, asking twelve different questions: (1) What category does your current financial institution fall under?; (2) Have you considered changing Banks within the past year?; (3) If you have considered changing banks in the past year, were any of the following factors? (select all that apply):; (4) Which feature, perk, or other offering is most important to you when opening an account with a new institution?; (5) Are you currently satisfied with all your banking products and services offered by your Bank/Credit Union?; (6) Would you ever have different types of accounts across multiple banks? (i.e. Checking at Chase, but Savings at TD Bank); (7) What is your most preferred method of banking?; (8) Which of the following is the biggest factor of you staying with your current bank?; (9) Which of the following bank accounts do you currently use/have open? (Select all that apply); (10) How much is the minimum balance you keep in your Checking Account?; (11) How much do you currently have in your Savings Account?; and (12) If you are in a relationship or married do you share bank account(s) with your partner? All respondents had to pass a screener question of: Are you currently a member of a Bank (online included) or Credit Union?, with an answer of “Yes”. GOBankingRates used PureSpectrum’s survey platform to conduct the poll.

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How To Make Money Online: 11 Proven Ways for 2021 – GOBankingRates

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Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all available deposit, investment, loan or credit products.
Remote work isn’t new. As many as one-fourth of Americans worked a few hours from home even before the shutdowns that occurred due to the COVID-19 pandemic. However, in the digital era, more money-making opportunities are available than ever before. You can earn money online without working around the clock — or leaving the house at all.
Plus, working online can have benefits that a traditional 9-to-5 job doesn’t have, such as extreme flexibility, passive income and even total financial freedom.
Are you feeling motivated yet? If so, check out these great ideas for how to make money online from home.
If you’re going to take the leap into the digital workspace, choose work that aligns with your goals. Fortunately, you have plenty of options — from selling your photos to teaching peers — to earn money online and boost your savings.
A growing number of companies are hiring remote workers. It’s also possible to be your own boss and work as a consultant or freelancer. Here are a few examples of full- and part-time jobs that let you earn money from home.
If you have a passion for writing, you might be able to make money online in 2021 by writing content for blogs or websites. Many companies offer assignments to aspiring and experienced writers alike.
Freelance sites, such as the popular Upwork, often have jobs available for virtual assistants, bookkeepers, web designers and more. Demand for freelancers increased dramatically during the COVID-19 lockdowns. According to Freelancer’s “Fast 50” report, job postings on its site increased by 41% in the second quarter of 2020 — compared to the same quarter in 2019.
If you design a wildly popular app, you might be able to generate significant income. You can earn money by charging for the app, displaying in-app ads or charging for in-app features and upgrades.
Americans own more smartphones than computers. Moreover, the number of Americans who rely on their smartphones is expected to increase. This also increases the demand for new apps, so you can make money online with a smartphone while using your smartphone.
If you have an interest in web development, take advantage of the demand for designers to build sites for businesses or organizations. Most graphic designers have a bachelor’s degree. Knowledge of design, computer graphics and design software are necessary.
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Sites such as Upwork are a good place to start for finding clients and building your portfolio.
If you have in-depth expertise about a specific subject, you could create digital media products to sell your knowledge and skills to others. Choose the format that best suits your audience and skill set, and then start producing.
If you have a story to tell or special knowledge to share, record it in a podcast. Podcasts are surprisingly simple to create and cost significantly less to produce than other digital media. The one drawback, however, is the ease of entry, which can lead to overcrowding in the marketplace.
Sites such as Adobe Stock and Shutterstock allow you to contribute your prized photography in addition to other media, which can generate royalties from each sale. Best of all, you retain all of the rights to your photos. You can use them in your own work or promote them on other sites.
The trends for photography in 2021 call for pictures that tell an emotional story, return to nature or exhibit “realness,” Shutterstock reported.
Every day, get fresh ideas on how to save and make money and achieve your financial goals.

The internet makes it easier to match people in need with those who offer in-demand services. Platforms such as Fiverr and Care.com — and even online classifieds listings like Craigslist — give you a place to advertise.
Some services, like tutoring, can be done over the internet. Others, like food delivery, take place in the real world. Here are a few examples of each.
Medical transcriptions provide a valuable service to healthcare providers. They listen to recorded notes from doctors and other practitioners and type them into reports. It’s a great option for working at home on your own time.
Pizza delivery has been a staple part-time job for years. Now food delivery apps like DoorDash and Grubhub have expanded the concept to restaurants of all types. All you need is a reliable vehicle and working GPS to find your way around town.
You’ll work when restaurants are busy, mostly during lunch and dinner times.
If you have a smartphone, there are options to earn money from an app in 2021. Some of the top apps include cash-back services and mobile listing sites. Best of all, you can do this work wherever you are.
Selling secondhand clothing on apps has been so successful that it now has its own name: recommerce. Start by cleaning out your closet. Then browse yard sales, clearance racks and local thrift stores for pieces to sell for a profit in your fashionable side hustle.
This is one of the easiest ways to earn $100 quickly. You just need in-demand products that are priced to sell.
You can do more than market products and services online. It’s also possible to earn money on a website in 2021, especially if you use a website to sell merchandise or set appointments for services. These are some of the best ways to earn money online.
If you have an artistic side, consider selling handcrafted items on Etsy or another site to make money off your hobby. Some of the trending items on the platform include products that support specific communities, home goods, self-care and activities.
Create online video courses and earn money from students. For example, you can teach students how to play the ukulele, meditate or use a software program. Online platforms, such as Udemy, help aspiring teachers find paying students, mostly adults and professionals, in their chosen disciplines. A second site, Outschool, is for students up to age 18.
On Udemy, U.S. course prices start at $9.99 for students. Instructors earn between 37% and 97% of the revenue share. At Outschool, the teachers set the price for their courses, and the site takes a 30% service fee.
Selling graphic T-shirts is a big business. Sites such as Teespring, allow you to design and sell these shirts for a profit. You can increase your profit margin through Teespring’s pricing discount, which triggers as you sell more and more shirts.
There’s a growing demand for customized T-shirts. Companies use them to increase brand awareness among their target market. Custom T-shirts also meet a need in the fashion industry among consumers striving to show support for a cause.
When you first start out seeking online opportunities, you simply might be looking for how to make money online. But a few gigs here and there won’t give you a sustainable stream of income.
The best way to earn money online is to find a way you can support, sustain and scale your services or products over time. For many companies, the ultimate measure of success is giving customers what they want. As long as you meet a need, you will get customers. And some of those customers will give you repeat business and even referrals, which will help you grow your client base.
Jami Farkas, Taylor Bell, Grace Lin and Bill Pirriglia contributed to the reporting for this article.
This article has been updated with additional reporting since its original publication.
Our in-house research team and on-site financial experts work together to create content that’s accurate, impartial, and up to date. We fact-check every single statistic, quote and fact using trusted primary resources to make sure the information we provide is correct. You can learn more about GOBankingRates’ processes and standards in our editorial policy.

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