4 Ideas for Becoming a Lifelong Learner
Are Millennials Paying Enough Attention to Their Credit Scores?
(StatePoint) October is National Learning and Development Month, a time set aside for broadening one’s personal and professional skills. Here are four cool ideas for marking the occasion:
Optimism Springs This Fall for Small and Mid-Size Business Owners
(StatePoint) Millennials are no strangers to watching numbers. Lives today are affected by a vast number of online and social media statistics -- likes, followers, scores and ratings. However, a new survey suggests that despite the time and attention this generation devotes to social media, they are more focused on the importance of a very different number: their credit scores.
Credit Application Denied? Here’s What to Do Next
(StatePoint) The success of small and mid-size businesses is an important economic indicator, and new survey results show encouraging news. Despite pricing pressures, talks of tariffs and even recession, those in the business community are by and large feeling good this fall.
How to Transfer Your Military Skills to the Corporate World
(StatePoint) It’s no fun being denied anything, especially credit. Usually when someone is trying to get a line of credit, it’s for a big reason or major life milestone and having a credit application denied can feel like a real setback. But this rejection isn’t something to take personally. It’s more common than people realize and doesn’t spell doom for your financial future. In fact, credit denials can be a good opportunity to take proactive steps to improve your credit health long-term.
What to Know Before Replacing Your Roof
(StatePoint) A military background brings with it an ability to collaborate, problem-solve and thrive under pressure, making veterans well-positioned to take on leadership roles in the corporate world.
What to Know About Eye Health This Open Enrollment Season
(StatePoint) Not only does your roof need to withstand the elements over the years, it needs to look great while doing it. If it’s time to replace your roof, experts say that there are some important things to consider, particularly when it comes to the materials you select.
4 Ways Medicare Part D is Changing in 2020
(StatePoint) While most people care about their vision, fewer people take steps to protect their eye health. Open enrollment season, running through December, is the time to weigh your vision insurance options for the following year’s coverage.
Tips to Get Empowered and Take Control of Your Financial Life
(StatePoint) If you have Medicare and are looking for ways to save on the ever-increasing cost of medications next year, consider adding a prescription plan known as “Part D.” By making medications more affordable, Part D plans can help you stay on track to achieve your 2020 health goals.
How Companies are Supporting Employees’ Financial Goals
(StatePoint) Consumers face major financial decisions at every stage of life. But experts say a basic understanding of financial concepts can help you make better decisions related to money management and reduce your stress at the same time.
Making the Most of the Medicare Annual Election Period
(StatePoint) Many businesses -- and almost all employees -- would like it if there was a way for companies to help members of their workforce save for financial goals or pay off student loans. While most employers would like to offer such benefits, many have limited budget flexibility. But now, new options are helping them offer more meaningful perks without making substantial increases to their benefits budget.
7 Traits to Look for in a Financial Planner
(StatePoint) Medicare Advantage (MA) plans are increasingly popular, offering robust benefits including vision, health, dental, drug coverage and more. For the more than 22 million people with an MA plan, the Medicare Annual Election Period (AEP), running from Oct. 15-Dec. 7, is the only time each year when they can shop for alternate plans.
How a Career Helping Others Can Make You Happier
(StatePoint) When looking for a financial planner who can bring all the pieces of your financial life together and put you in the driver’s seat of your own financial future, experts say it’s important to look beyond his or her resume.
How to Protect Yourself From Financial Fraud
(StatePoint) There’s no doubt about it -- what you do each day for work can make a huge impact on your overall well-being. According to a Society for Human Resource Management survey, key job satisfaction aspects include job security, respect, trust and a positive and healthy environment. If you don’t have these things in your workplace, you may be considering making a career shift.
Tips to Build Good Credit During and After College
(StatePoint) There are more than 300,000 professional financial advisors in the U.S. It’s fair to say that a majority are dedicated to helping their clients achieve their financial goals. However, some unethical individuals seek to take advantage of clients’ trust and lack of financial knowledge to benefit themselves.
How and Why to Keep Up With the Latest Tech Trends
(StatePoint) There’s a lot of learning that takes place during and after college, including many lessons outside of the classroom. When it comes to personal finance, however, young people don’t need to learn their lessons the hard way.
How New Tech Could Help You Manage Your Money
(StatePoint) Whatever industry you work in and no matter what your role is, it’s possible you have wondered how emerging technologies will affect your job in the years to come or whether you’ll even have to switch careers entirely at some point.
Home Weatherization 101: Tips for a Comfortable Home
(StatePoint) From fitness apps monitoring daily activity to calendar apps that send appointment reminders, having high-quality, real-time information in the palm of your hand can be an effective way to stay accountable to your goals. So if you’re looking to better manage your money, it may be time to consider how an app can help.
How to Navigate Expensive Car Repair Bills
(StatePoint) Do seasonal temperatures sometimes leave you frustrated with your home’s lack of insulation? Staying comfortable indoors is a top priority for most people, and luckily, it’s easy to ensure your home is an optimal temperature.
10 Acronyms Homebuyers Need to Know
(StatePoint) If you’re like many Americans, your car is your lifeline. When it’s in need of repair, being able to cough up the cash to keep it running is critical.
Could You Pay Your Mortgage on One Income? Here’s What to Know
(StatePoint) PMI, APR, LTV…these unfamiliar acronyms don’t need to bewilder or intimidate uninitiated homebuyers.
Adulting: Financial Tips for Gen Z
(StatePoint) For many people, getting married and buying a house is still part of the American Dream. That’s reflected in the numbers. The homeownership rate among married couples in the U.S. is 80 percent, according to recent data reported by Statista. But what if something were to happen to you or your spouse? Would the person left behind still be able to afford the mortgage?
How to Prepare Young Adults for Financial Independence
(StatePoint) As more states nationwide adopt laws requiring high schools to offer personal finance classes, a new survey suggests that generation Z is on board with the trend.
4 Tips to Dress for Success at Work
(StatePoint) As you prepare your young adult for college and beyond, it’s important to talk about the road to financial independence, which includes building healthy credit. This is vital for big life moments like getting a car, apartment, house or job, and your child’s credit report will be the financial resume necessary to help him or her achieve these goals.
How Close Is Too Close When It Comes to Living Near Your Family?
(StatePoint) In today’s workplace, many employers have abandoned strict dress code policies, providing employees with more flexibility to dress casually.
The 3 ‘D’s of Determining Your Medicare Part D Plan
(StatePoint) While you can’t choose your family, you can choose how close you live to them. A new survey suggests some healthy boundaries between parents and in-laws make for a happier family relationship -- something to keep in mind when shopping for a home.
Tackling the Housing Affordability Crisis
(StatePoint) Enrollment in Medicare Part D is on the rise. Having increased 12 percent since 2017, according to the Centers for Medicare & Medicaid Services (CMS), the popularity of this prescription drug benefit may be due to the decline in the cost of basic premiums, projected to drop for the third year in a row.
What to Know About Financial Planning Careers
(StatePoint) As housing prices soar nationwide, a growing number of Americans are unable to find affordable housing. Experts say that the problem has reached a crisis point, and is harming the welfare not only of individuals and families, but of communities and the economy at-large.
Tips for Creating the Perfect Home Office
(StatePoint) Considering a career in financial planning? Those in the industry point out that financial planning provides opportunities to chart one’s own path, maximize growth potential, and maintain work-life balance.
What Money Tips Would You Tell Your Younger Self?
(StatePoint) With more people nationwide opting to create their own businesses or work for their employer remotely, the home office has become one of the most used spaces of the house, with many people spending more than eight hours a day in this room. If you’re one of these people, the kitchen table just won’t cut it if you’re looking to get serious and organized.
5 Cool Ideas for Self-Improvement
(StatePoint) As we age, we sometimes regret those life lessons that might have served us better when we were younger. If you could roll back the years, what would you tell your younger self about money?
Pro Tips for Taking the Perfect Photos of Your Home
(StatePoint) Any time of year makes a fine time to learn a new skill, take up an old hobby or set a goal. Here are five cool ideas to try:
What to Know Before Replacing Home Windows
(StatePoint) Whether you’ve completed an amazing renovation, or you are selling your house, you’ll want to take perfect pictures of your home to share.
How to Bring Comfort and Style to Your Outdoor Space
(StatePoint) As with any home upgrade, a little research can help ensure a top-quality installation with the best materials on the market. Here are the most important factors to consider before purchasing replacement windows:
HVAC Tips for Homeowners
(StatePoint) Whether it’s uncomfortable furniture or utilitarian light fixtures, you’re probably used to making some concessions when it comes to comfort, style and convenience in your home’s outdoor spaces.
More Families Have a Plan to Pay for College
(StatePoint) Having a home cooling system that is working optimally is crucial to keeping your family comfortable.
Readiness Checklist: 5 Steps to Prep for Buying a Home
(StatePoint) College may be getting more expensive, but new research suggests that more families are preparing to meet those costs one way or another.
How to Keep Your Data Safe in Today’s World
(StatePoint) For many Americans, making the jump to buying that first house is a significant achievement that allows them to put their mark on their own space, while creating room for family and pets.
5 Tips for Managing Your Student Loan Debt
(StatePoint) Is your data secure? Whether you’re a typical consumer gearing up with smart home technology or a business owner with dozens of clients, understanding the latest trends in cybercrime can help you protect what matters.
3 Ways Families Can Save Time and Money on Household Goods
(StatePoint) Student loan debt is a fact of life for many college graduates and their parents, with borrowers owing approximately $1.6 trillion in federal and private student loans in 2019. While some graduates easily repay their loans, others struggle to manage their debt.
Tips to Save Money on Tech for Students
(StatePoint) For busy families, it may seem like there isn’t always enough time to comparison shop in order to find the best deals on groceries and the many items kids need to be successful in school. A few tips below will go a long way to helping you navigate store aisles for savvier shopping.
5 Ways to Set Up the Perfect Workstation
(StatePoint) Just a couple of decades ago, when it came to technology, the average student could slide by with just a calculator and perhaps a wristwatch. To make the grade these days, your kids will likely need a full suite of mobile devices.
5 Basic Things Everyone Should Know About Their Car
(StatePoint) Is your workstation helping you achieve your goals or hindering your progress?
Raising a Baby is Expensive: How to Safely Save Money
(StatePoint) Driving can be expensive if you lack basic car-care knowledge or proper insurance. Regular maintenance can prevent costly breakdowns and extend your car’s life, and the right coverage can protect your wallet in the event of an accident.
5 Signs it’s Time to Ask for a Raise
(StatePoint) Raising a child in the U.S. is an expensive proposition, particularly when using name-brand products. For most growing families, finding ways to make life more affordable is a top priority. Unfortunately, when it comes to feeding babies, many unknowingly make unsafe choices in an attempt to stretch their budgets for things like baby formula.
New Ways to Save Money in Your Digital Life
(StatePoint) For U.S. workers, living expenses continue to generally outpace pay increases, according to the Bureau of Labor Statistics. In fact, a recent study by Randstad US and Apartment Guide found that 44 percent of employed Americans say their annual residential expenses (rent, mortgage, utilities, household maintenance, etc.) increase more than their salary does each year — and 37 percent of house, room and apartment renters claim the cost of their home is too high when compared to their income. This has resulted in long commutes, as well as a need to supplement expenses by taking on side gigs and seeking out roommates.
More Women and Minorities Needed for Financial Planning Jobs
(StatePoint) We’ve all heard those time-tested ways to save money -- dine out less, sign up for rewards programs or switch off the lights when you leave the room. But in today’s digital world, there are some great ways to save that you may not have thought about.
Top Tips for Hurricane and Storm Readiness
(StatePoint) Americans’ need for competent and ethical financial advice continues to grow, but the population of professionals who can provide such advice is shrinking.
How to Prepare for and Tackle Unexpected College Costs
(StatePoint) June to November is known in many parts of the country as hurricane season. As a growing area of the U.S. becomes susceptible to the effects of tropical storms, tornadoes and hurricanes, it’s important to have a plan for your home and family.
Expert Tips for Lighting Your Home’s Outdoor Spaces
(StatePoint) Smart financial decisions can help your family make good college investment decisions. Unfortunately, unexpected costs throw many families for a loop. To plan realistically, consider the following:
High-Speed Internet Access Critical for Students and Job Seekers
(StatePoint) Many homeowners spend time and money perfecting curb appeal, but forget to make it shine at night. Experts say a well-lit home exterior and surrounding landscape is both beautiful and functional.
More than Half of Americans are Unprepared for Natural Disasters: Are You?
(StatePoint) The job market is rapidly changing, thanks to new and emerging technologies. As a result, job training has become highly specialized, even at the high school level.
Smart Strategies to Help Pay Off Debt
(StatePoint) Only 39 percent of respondents in a FEMA survey say they have developed an emergency plan and discussed it with their households.
How to Look Polished on Any Budget
(StatePoint) From car loans to student loans, credit card balances and other revolving debt, U.S. consumer debt is higher today than ever before.
On-Trend Ideas for Updating Your Home Exterior
(StatePoint) You don’t need to spend a fortune to look like you own a fortune.
Not Your Grandfather’s Home Loan: What to Know About Today’s Process
(StatePoint) If it’s time to upgrade your home exterior, you may need some guidance, particularly if you want to make on-trend choices that will instantly boost your curb appeal.
Are You at Risk for Hepatitis C? What to Know
(StatePoint) In today’s world where moving fast is the norm, you may think that finding the time to apply for a home loan is about as likely as finding the time to remove your jam-packed storage room of all the objects that don’t bring you joy.
10 Tips for Teaching Your Children About Saving
(StatePoint) Approximately 2.5 million people in the U.S. are living with chronic hepatitis C virus (HCV), according to the Centers for Disease Control and Prevention (CDC), and as many as 75 percent of people with the disease don’t know they’re infected. Untreated, HCV can lead to liver damage, cirrhosis and liver cancer. While these numbers may sound startling, there’s good news, too.
5 Reasons Why Financial Planning is a Great Career for Women
(StatePoint) Kids often view money as having one function only: to buy stuff, right now. Give a young child $5 and he’ll likely spend it all, often looking for things that cost $5.
What to Think About Before Applying for a Loan
(StatePoint) As Americans have increasingly realized they need competent, professional advice about how to manage their money, financial planning has grown significantly as a profession over the past several decades.
Let’s Talk Money, Getting the Conversation Started With Kids
(StatePoint) Whether you’re applying for a new credit card, refinancing a loan or buying a house, lenders consider many factors when making their decision. One of those many factors is your credit score, which helps paint a picture of your credit usage and behaviors over time.
Is an Electric Car Right for You?
(StatePoint) Speaking with your kids about money is not the easiest thing to do, but it can help prevent many problems for them down the line.
(StatePoint) As the popularity and availability of electric vehicles (EV) continues to grow in the U.S., a new survey suggests that many consumers still have a lot to learn about the technology.