Outdoor winter workouts can be enjoyable with the right preparation for the elements. Dress in moisture-wicking layers to prevent heat loss from damp clothing, and choose outerwear you can easily remove as you warm up. 

Bright, reflective clothing is essential for safety, especially with shorter daylight hours and overcast skies. To keep hands and feet warm, wear insulated, waterproof shoes and gloves, and avoid mesh footwear to prevent snow entry. 

Traction aids, such as shoe grips, can reduce slipping on icy surfaces, while covering your head, ears, and face helps maintain body warmth. Finally, stay hydrated by drinking room-temperature or slightly warm water, even if you don't feel thirsty in the cold, because dehydration is a problem in the winter months. 

Finsum: There are plenty of ways to maximize your fitness experience outside even in winter months, but staying ahead in December can make those new years resolutions easier!

As major tech stocks like Meta and Microsoft face challenges from rising costs and AI investment, dividend stocks are gaining attention for their potential stability amid election-related uncertainty. 

For beginner investors, choosing effective dividend stocks and ETFs remains an essential consideration as dividend growth has historically outpaced inflation over the long term. In one case, a dividend investor on Reddit turned an initial $60,000 retirement account into $1.2 million over 27 years through a disciplined investment approach, later shifting his focus to high-yield dividend ETFs. 

His portfolio, which generated around $9,495 monthly, included holdings like JPMorgan Equity Premium Income ETF and Nasdaq Equity Premium Income ETF, along with tech-focused funds like Invesco QQQ Trust. With investments like the SPDR S&P 500 ETF Trust and Ares Capital Corporation, the portfolio reflected a mix of income-generating ETFs and steady-growth investments.

Finsum: If rates stall out look to dividends to supplement income streams particularly with ETFs.

Several Western and Midwestern cities, including Boise, Idaho, and Stockton, California, are projected to join the "million-dollar club" in median home prices over the next decade. 

Realtor.com's forecast estimates Boise’s median price will rise from about $464,000 to $1.2 million by 2033, following a strong growth trend seen in previous years. Other cities expected to cross the million-dollar mark include Salt Lake City, Portland, and Colorado Springs. Stockton’s proximity to costly Bay Area markets is driving its prices, with an anticipated median of $1.4 million by 2033. 

Denver and Sacramento are also projected for substantial gains, reaching approximately $1.3 million and $1.1 million, respectively. These forecasts hinge on continued demand and limited supply, but a surge in new construction could temper these projected gains.

Finsum: One key aspect of this to watch is how fast wages are growing in these cities as this is a strong indicator of future home price growth