Looking to Move? These Are the 20 Best States to Live In

The skyline of Boston, Massachusetts.
The skyline of Boston, Massachusetts.
Sean Pavone/iStock via Getty Images

To a certain extent, identifying the “best” states to live in is wide open to interpretation. If your happiness is contingent upon the opportunity to shred gnarly waves, for example, chances are low that Kansas would even crack the top 40 on your personal list.

Having said that, some metrics for evaluating the nifty 50 aren’t so subjective—and it’s not only about income, either. To find out which states are “good” to live in, financial news website 24/7 Wall St. devised a rating system based on a few of these universally good qualities: Life expectancy at birth, bachelor’s degree attainment, and poverty rate. After all, a state with a high number of healthy, educated, financially stable people seems like a place you’d want to live, right?

The rating system is based on the United Nations Development Programme’s Human Development Index, which aims to assess the well-being of a nation’s population through similar statistics: Life expectancy at birth, mean years of schooling for adults over 25, and gross national income per capita.

Based on 24/7 Wall St.’s study, Massachusetts took the top spot. Of all residents aged 25 and older, 44.5 percent have at least a bachelor’s degree—the highest rate of any state. Their 10 percent poverty rate is the eighth lowest in the nation, and life expectancy at birth is 80.4 years, which beats the national average (79.1 years) by more than a year.

As far as regional trends go, Massachusetts isn’t alone in its greatness. Almost the entire Northeast ranks in the top 20, including New Jersey, Connecticut, Maryland, New Hampshire, Vermont, New York, and Rhode Island.

The number-two spot went to Colorado—low on surfing opportunities, perhaps, but plenty of gnarly slopes to shred—which actually edged out Massachusetts in life expectancy (80.5 years) and poverty rate (9.6 percent). Its neighbors in Utah and Nebraska made the top 20, too.

24/7 Wall St. also points out the cyclical nature of these metrics. People with advanced degrees earn more money, which they use to afford better healthcare and establish healthier lifestyles, so they live longer.

Then again, a high number of college graduates means nothing if you’re mainly just looking to settle down near the nation’s best roller coasters or curiosity shops (none of which, by the way, are located in Massachusetts). As for those of you looking for that perfect wave? Hawaii claimed the fourth spot.

Scroll on to see if your home state ranks in the top 20, and read more about 24/7 Wall St.’s study here.

  1. Massachusetts

  1. Colorado

  1. New Jersey

  1. Hawaii

  1. Connecticut

  1. Minnesota

  1. Maryland

  1. New Hampshire

  1. Washington

  1. Virginia

  1. Utah

  1. Vermont

  1. New York

  1. California

  1. Nebraska

  1. Illinois

  1. Rhode Island

  1. Oregon

  1. North Dakota

  1. Wisconsin

Your Smart TV Is Vulnerable to Hackers, According to the FBI

Ahmet Yarali / iStock via Getty Images
Ahmet Yarali / iStock via Getty Images

By this point, many of us have had the experience of mentioning a product or service out loud during a conversation, only to have an ad for that very thing pop up on a smart device mere moments later. And, although you may have gotten used to the idea of your gadgets keeping tabs on you, you might not realize that your new smart TV’s monitoring capabilities make it extra vulnerable to hackers.

KATV reports that the Portland, Oregon branch of the FBI released guidelines last week as part of its “Tech Tuesday” initiative to warn people about the risk of hackers gaining access to unsecured televisions through the routers. Because smart TVs likely have microphones and even cameras, successful hackers could do anything from petty mischief to serious stalking.

“At the low end of the risk spectrum, they can change channels, play with the volume, and show your kids inappropriate videos,” the FBI says. “In a worst-case scenario, they can turn on your bedroom TV’s camera and microphone and silently cyberstalk you.”

Before you head back to Best Buy, brandishing your receipt and begging for a refund, there are a number of safety precautions you can take to make yourself less of an easy target for cyberattacks.

The first step is knowing exactly what features your TV has, and understanding how to control them—the FBI recommends doing an internet search with the model number and the words microphone, camera, and privacy.

After that, you should delve right into those security settings. Disable the collection of personal information if you can, and learn how to limit microphone and camera access. If you don’t see an option to shut off the camera, black tape over it does the trick.

And, even if it’s not the most riveting reading material, it’s worth perusing the fine print on your device and streaming services to find out what data they collect, where they store it, and how they use it.

Check out all of the tips here, and then see what other everyday objects might be susceptible to hackers.

[h/t KATV]

25 Gift Cards That Give You—and Your Recipient—the Best Bang for Your Buck

flyparade/iStock via Getty Images
flyparade/iStock via Getty Images

Though gift cards can definitely solve your annual conundrum over what to buy those hard-to-please people on your list, deciding on a gift card is the easy part—deciding which gift card to give them, however, is where the challenge comes in.

To help you narrow it down, WalletHub devised a multi-factor ranking system for gift cards of all types, from home improvement outlets like Lowe’s to subscription services like Netflix. Researchers analyzed popularity (based on search volume), average buyer’s discount across major gift card exchange sites, average resale value, retailer ratings on popular review sites, and shipping fees, and then assigned an overall score to each of America’s 100 largest retailers.

According to the study, your best option this year is a Target gift card, with an average buyer’s discount of 5.76 percent, a resale value of $77.12, and a retailer rating of 3.09 out of 5.

But before you stock up on Target gift cards for your many friends and family members, you might want to peruse the rest of WalletHub’s data. IKEA, for example, which tied for third place with Home Depot and eBay, boasts an average buyer’s discount of 10.85 percent.

The top performers from the food industry were Starbucks, Chick-fil-A, McDonald’s, and Chipotle, which all tied for fourth place (among several other companies, Netflix and iTunes included) with 50 points apiece.

Even if you’ve already decided which gift cards you’re going with this holiday season, it’s still worth looking at WalletHub’s data before you buy them to make sure you’re getting a discount comparable to (or better than) the average. And, if there’s a particularly choosy recipient on your list who’ll likely try to resell their gift card, perhaps pick one with an especially high resale value, like Costco’s $84.60 or Walmart’s $84.09.

Check out the rankings below, including overall score, and find out the full details from WalletHub’s study here.

  1. Target // Score: 70
  1. Walmart // Score: 60
  1. Sephora // Score: 60
  1. eBay // Score: 55
  1. Home Depot // Score: 55
  1. IKEA // Score: 55
  1. iTunes // Score: 50
  1. Starbucks // Score: 50
  1. Costco // Score: 50
  1. Chick-fil-A // Score: 50
  1. Netflix // Score: 50
  1. McDonald’s // Score: 50
  1. Fandango // Score: 50
  1. Chipotle // Score: 50
  1. REI // Score: 50
  1. Old Navy // Score: 50
  1. H&M // Score: 50
  1. Disney // Score: 45
  1. Google Play // Score: 45
  1. Best Buy // Score: 45
  1. Macy's // Score: 45
  1. Lowe's // Score: 45
  1. Subway // Score: 45
  1. Amazon // Score: 40
  1. Gamestop // Score: 40

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