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Good morning Member

I hope you’re waking up with something cozy nearby, whether it’s a favorite chair, a soft blanket, or just the quiet peace of a new day. Before we jump into the stories, I wanted to share a little something that crossed my mind this week.

I was in line at the store the other day, and I struck up a small chat with the person next to me—nothing big, just a bit of friendly conversation about the weather and weekend plans. It amazed me how surprised they looked, almost as if no one had casually spoken to them in ages. It made me think about how rare those little social graces have become… the smiles, the small talk, the simple “after you”.

Which brings me to today’s question, and I’d really love to hear from you in the forum: What small social skills have you seen forgotten that you’d like to see younger people able to do again? Pop your thoughts in the forum so we can all learn from each other… and now, let’s ease into the day with these stories about a bank’s $1.23 million payout, McDonald’s new cash rule, nine slow-living habits, and more!

News & Finance

• Ever been slapped with hidden ATM fees? You might finally get that money back soon, thanks to this $1.23M bank settlement.

• Until Monday, get an iPhone, iPad and Apple Watch when you trade in an eligible phone on a T-Mobile Experience Beyond plan.*

• One of 2025’s fastest-growing scams starts with a friendly message, and a tech giant explained why you shouldn’t respond to it.

• Your next McDonald’s order might cost a few cents more—or less—depending on where your total lands. Why you ask? Read the full story here.

• Comfort you can feel—now up to 50% off at Fresh Clean Threads.*

• Before the year ends, make sure you’re not missing out on a rebate check worth up to $1,500—many Americans over 65 qualify without realizing it.

Editor's Picks

This Week’s Top Talkers

• Make your money go further this season! These Black Friday picks are the biggest winners for older shoppers.

• SNAP may be getting its biggest update in years. Curious how the new rules might affect you or someone you love?

• The Macy’s Thanksgiving Parade this year brought joy, surprises, and a couple of harmless hiccups. See the moments viewers can’t stop replaying.

• Fans of classic television are paying tribute to a former child star who died at 76, leaving behind a legacy that’s touching hearts across generations.

• So… when should the Christmas tree go up? America has officially weighed in on the perfect time, and the results might surprise you.

• Experts say these nine slow-living habits are transforming families… but let’s be honest, you might’ve been doing them forever. Curious which ones?

Food & Health

• Good news for your wallet: Medicare is cutting costs on these common medications you might be relying on. Check which drugs made the list.

• Walgreens recalled this common health buy for bacterial contamination, and it only takes a second to check if yours is on the list.

• Seniors are taking extra precautions after it was reported that a familiar winter bug is picking up speed ahead of schedule. Are YOU protected?

• Cozy, sweet, and oh-so comforting—this soulful side dish deserves a spot on every holiday table.

• One cowboy’s “secret” to a long life leads to a hilarious surprise many generations later. 🤯🤣

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Today’s Trivia

Crash Expert: “This Looks Like 1929” → 70,000 Hedging Here

Mark Spitznagel, who made $1B in a single day during the 2015 flash crash, warns markets are mimicking 1929. Yeah, just another oracle spouting gloom and doom, right?

Vanguard and Goldman Sachs forecast just 5% and 3% annual S&P returns respectively for the next decade (2024-2034).

Bonds? Not much better.

Enough warning signals—what’s something investors can actually do to diversify this week?

Almost no one knows this, but postwar and contemporary art appreciated 11.2% annually with near-zero correlation to equities from 1995–2024, according to Masterworks Data.

And sure… billionaires like Bezos and Gates can make headlines at auction, but what about the rest of us?

Masterworks makes it possible to invest in legendary artworks by Banksy, Basquiat, Picasso, and more – without spending millions.

23 exits. Net annualized returns like 17.6%, 17.8%, and 21.5%. $1.2 billion invested.

Shares in new offerings can sell quickly but…

👉 [My subscribers skip the waitlist].*

_{*Past performance is not indicative of future returns. Important Reg A disclosures: masterworks.com/cd.}

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One honest student keeps getting sent to the principal’s office for reasons that will make you chuckle. Make someone smile today. Tell your best jokes here!

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