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Its almost time for the most heartfelt accolades of Hollywoods award season. The Screen Actors Guild Awards, hosted by the Screen Actors Guild-American Federation of Television and Radio Artists (SAG-AFTRA), is set to take place tonight (Sunday, February 23) at 8 p.m. ET. This tribute to actors gets its emotion from the fact that it is put on by actors. For the nominees, theres something extra moving about being honored by a group of your peers who have been in the same foxholes as you. So grab the tissuesespecially for those I am an actor opening monologuesand keep reading so you know how to tune in and go into the ceremony prepared. Who are the SAG Awards nominees this year? Like the Golden Globes, the SAG Awards honor performances in television as well as films. For movies, Wicked leads the pack with five nominations. Shgun is the most celebrated television series, also with five nominations. Because of its performance focus, the SAG Awards nominations also honor actors whom the Oscars have overlooked or snubbed, such as Queers Daniel Craig, The Last Showgirls Pamela Anderson and Jamie Lee Curtis, and Wickeds Jonathan Bailey. Stunt personals also get some love here with shows and films such as Fall Guy and The House of the Dragon up for awards in these categories. You can find the full list of nominations here. Beyond the competitive categories, actor and activist Jane Fonda will be presented with a Lifetime Achievement Award. Her impressive resume already includes two Oscars, two BAFTAs, seven Golden Globe Awards, and a Primetime Emmy Award. What about the SAG Awards pre-show? Since 2023, Netflix has been responsible for airing the ceremony. It also has the official pre-show coverage. This kicks off one hour before the official awards show, so tune in at 7 p.m. ET / 4 p.m. PT to catch it. Hosts Lilly Singh and Sasheer Zamata will guide viewers through all the fashion and interviews, and even announce the stunt award winners. Another alternative is to stream People and Entertainment Weeklys live-streamed coverage on YouTube. This will feature Real Housewives of Salt Lake City star Bronwyn Newports hot take on the evening. She will be joined by People editor at large Janine Rubenstein, EW general manager Patrick Gomez, and EW editorial director of TV and music Gerrad Hall. Who is the host of the SAG Awards? The SAG Awards dont always have a host, but this year Kristen Bell is stepping up to the plate. This isnt her first rodeo and she initially balked at the idea of having awards ceremonies after the devastating Eaton and Palisades fires that greatly impacted large portions of the Los Angeles area in the beginning of the year. She later had a change of heart and saw the bigger picture. Beyond the glamour and spectacle, award shows create and drive a massive ecosystem of professionals and services. I realized these awards shows are a huge part of Los Angeles’ economy, employing hundreds, if not thousands, of gig workers: drivers, hair and makeup artists, musicians, Bell stated to USA Today. Tune into Netflix at 8 p.m. ET / 5 p.m. PT to see Bell and the rest of the acting community in action.
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Your insurance needs change over time. The policies that work for a single, 20-something professional renting an apartment with three roommates may be completely wrong for the same person after marriage, babies, and a cozy mortgage in a good school district. If youre struggling to determine how your coverage should change over time, the following guidelines can help. Auto insurance: Follow the bell curve Basic car insurance offers liability coverage, in case you cause an accident that injures a third party or damages their property. This is the kind of insurance that nearly every state in the nation requires drivers to carry. While liability coverage protects your finances if you cause an accident, its legally mandated because it offers protection for accident victims. But drivers can also purchase full coverage car insurance. This typically includes collision coverage, which pays for damages from a collision that doesnt include another vehicle (such as running into a tree), and comprehensive coverage, which pays to repair or replace your car if its damaged by something other than an accident, such as extreme weather or theft. Deciding how much auto insurance you need can feel overwhelming, especially considering the high cost of car insurance coverage. While all drivers must carry no less than the minimum required liability insuranceand should also consider increasing the liability limits to further protect themselves and othersit can be difficult to figure out if you need full coverage or other optional add-ons. To help you figure out your changing need for auto insurance coverage, think of this kind of insurance as a bell curve that corresponds with age. Young drivers Young drivers pay the highest premiums of any age demographicsince these wet-behind-the-wheel motorists are the most likely to get into accidents. That means purchasing full coverage when youre young is going to cost a pretty penny. In addition, teens and 20-somethings are more likely to be driving beater cars. (No, your cousins 1992 Buick Le Sabre is not vintage even if it does qualify for historic plates.) These vehicles have low actual cash values, which means a minor fender bender could render it a total loss. In other words, if your vehicles cash value is lower than the cost of your favorite Starbucks order, theres no reason to purchase collision and comprehensive coverage. Midlife motorists The auto insurance calculation changes as you hit your 30s and beyond. To start, the cost of auto insurance starts to go down for most middle-age drivers, provided they have a clean driving record. Midlife also represents your prime earning years, as well as the time youre most likely to be starting a family. Not only does that mean the interior of your vehicle will be permanently covered in a thin layer of crushed Goldfish crackers, but youre also more likely to be driving a car that is worth the cost of fixing. In other words, you have more to lose financially as a midlife driver than you did while you were still rocking the Le Sabre. That means carrying higher levels of coverage makes more sense in midlife than it did in your 20s. Seniors on the road Since older drivers tend to have the most experience and are least likely to make impulsive driving decisions, they enjoy the least expensive auto insurance of any age group. Seniors are also more likely to have a higher net worth and easier access to cash, which means theyre in a better position to pay out of pocket for a car repair (or even replacement) after a collision. All of which is to say that most senior drivers have a lower need for auto insurance coverage than their middle-age counterparts. Adjust your deductibles Your insurance deductible is the amount of money youre responsible for paying before the insurance coverage kicks in to pay for the rest. Nearly every type of insurance has a deductible, from health insurance to auto insurance to homeowners, renters, umbrella, and business insurance. And for each type of insurance you carry, you need to be prepared to pay the deductible if you make a claim. But insurance policyholders have some control over the size of their deductible. You can lower your deductiblemeaning youd pay less before your insurance company has to open its own wallet when you make a claimby paying a higher premium. You can also lower your monthly premium by increasing your deductible. Typically, most people will opt for the higher premium and lower deductible when they are young, since dealing with a monthly premium cost thats a little higher is easier than keeping a spare $1,000 (or more) kicking around in case of an emergency. But as you age, you are likely to become more financially settled, which includes having a more robust emergency fund. Once youre in a place where you can afford a higher deductible, you can lower your premiumwhich reduces your monthly outflow. Since we can all be victims of set-it-and-forget-it thinking, it can be easy to forget to check the deductible levels on long-standing insurance policies. But theres no need to pay your insurance company a higher premium when you can easily afford a higher deductible. Self-insurance Just as your financial stability can help you outgrow the need for a low deductible, increasing wealth may also allow you to self-insure instead of relying on insurance policies. With this strategy, which is similar to creating an emergency fund, you set money aside to use in case of an unexpected loss, rather than paying a premium to an insurance company to assume the risk for you. If you dont experience a loss, self-insurance saves you money, since youre not out the cost of premiums and you still have the full pot of self-insurance money available to you. Additionally, you can potentially invest your self-insurance moneyas long as its in an investment that you can liquidate in a hurryand let the money grow for you. Self-insurance can be a risky strategy for any kind of serious financial loss, such as liability, flooding, or healthcare. But depending on your financial situation and assets, you may choose to self-insure for things like long-term care or full-coverage auto insurance. Know your insurance needs Recognizing how your coverage needs change can help you get the insurance you need while saving money. For auto insurance, remember that your coverage level will probably look like a bell curve, with younger and senior drivers purchasing lower levels of coverage while middle-age drivers go for more comprehensive coverage. For all of your insurance policies, remember that your ability to afford a higher deductible as you gain more financial stability means you can reduce your premium. And a higher level of wealth can open up the possibility of self-insurance for some types of hazards.
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Want more housing market stories from Lance Lamberts ResiClub in your inbox? Subscribe to the ResiClub newsletter. Economic forecasting has never been an easy task, and it becomes even more challenging when confronted with unprecedented economic events like COVID-19 lockdowns and unparalleled levels of government intervention, followed by a rapid cycle of interest rate hikes. Look no further than recent mortgage rate forecasts. Last year marked the third year in a row that mortgage rates ended the year higher than forecasters expected. Will they finally get it right this year? ResiClubs latest roundup of quarterly mortgage rate forecasts shows that most forecasters still expect mortgage rates to gradually decrease over the next 18 months. The average 30-year fixed mortgage rate as of Thursday was 6.96%. By the final quarter of 2025, Fannie Mae expects that to slide to 6.6%. Meanwhile, Wells Fargos model expects 6.5%, and the Mortgage Bankers Association estimates 6.5%. But even if those forecasts are right, it would mean that housing affordability would still remain strained in 2025 and 2026.
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