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| Subscribe to The Daily Money newsletter, our roundup of each day's top stories from USA TODAY Money. |
| Good morning and welcome to a new week, Daily Money readers. Jayme Deerwester with you once again. |
🗞 News you should know 🗞 |
| Budget airlines Frontier Airlines and Spirit Airlines, rapidly growing airlines known for cheap fares and a pile of fees, plan to merge. The merged airline has not been named. |
| The airlines announced the deal on Monday, calling the combined airline the country's "most competitive ultra low-fare airline.'' It will be the nation's fifth-largest airline based on seat capacity. It will have more than 1,000 daily flights to more than 145 destinations in the United States, Latin America and the Caribbean, with a fleet of nearly 300 planes. |
💡 Daily insight 💡 |
| USA TODAY gathered federal workforce records from 83 of the nation's top 100 companies and found that the status quo is still largely in effect despite corporate pledges to do better after George Floyd's killing in 2020. |
| White and male employees remain overrepresented in positions that pay the highest salaries, offer the best benefits and provide a path to promotions. Black workers, particularly women, tend to be concentrated in the lowest ranks of America's leading corporations. |
| At the major companies USA TODAY reviewed, 1 in every 118 white workers is an executive compared to 1 in every 612 Black workers, according to the latest filings available, in most cases covering the calendar year 2020. That means white employees were five times more likely to hold C-Suite jobs than Black employees. |
| Similar, albeit smaller, gaps persisted in other positions with high pay and prestige. While 1 in 7 white workers held a management job, just 1 in 15 Black workers did. More than 1 in 4 white employees held professional roles like accountant or engineer compared to just 1 in 10 Black employees. |
🚨 More stories you shouldn't miss 🚨 |
| Verizon extends new contracts to 3 years. Terms for customers with contracts dated before Feb. 3 stay the same. |
| Exhale, investors. With a turbulent Dow, what should you do with your 401(k) retirement account? |
| FEMA is accepting applications for COVID-19 funeral assistance. Here's what to know and how to apply. |
| Manufacturing breakthrough? MIT researchers create material as strong as steel, light as plastic. |
| Retirement reality check. Health care eats up 30% of retirees' Social Security income. |
💵 Smells like tax season 💵 |
| Many people who need the tax refund money the most are looking at even more delays than usual this tax season. |
| A variety of factors could push tax refunds well into March or later for early filers, even though the Internal Revenue Service officially began processing tax returns on Jan. 24. |
| Tax professionals say federal income tax refund money typically won't arrive until two weeks or three weeks after a tax return is processed. At best, many early filers who had returns in the pipeline Jan. 24 would receive their money in the next week or two. |
| Many taxpayers, though, need to be aware that everything once again isn't likely to move smoothly. There is no such thing as a simple tax season. |
🎶 Mood music 🎶 |
| Today's lyric about equality and being a good ally comes from ... The Red Hot Chili Peppers ? "American equality has always been sour, an attitude I would like to devour. My name is peace, this is my hour. Can I get just a little bit of power? Power of the equality is not yet what it ought to be." |
| Remember, you can find this song and every other track I've ever quoted in Mood Music on our Spotify playlist. |
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