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Personal Finance

5 Important Financial Decisions: Should You DIY or Hire a Pro?
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(StatePoint) Financial decisions can have a big impact on your future and the future of your loved ones. Good financial decisions you make on your own can save thousands of dollars, but according to experts, there are some decisions that may be better left to the professionals.

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3 Smart Ways to Boost Home Curb Appeal
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(StatePoint) Taking steps to boost curb appeal makes good sense for any homeowner. Not only does it help make a great first impression on guests and neighbors, but certain updates can actually increase your home’s resale value when it comes time to put your property on the market.

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3 Ways to Weather the 2020 Tax Season
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(StatePoint) Over half of U.S. adults say financial stress negatively impacted their personal health and work performance in 2018, according to new research from Lincoln Financial Group. When it comes to tax season, preparation is key to easing anxiety, according to experts.

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What Does a Recession Mean for You? 6 Ways to Protect Your Future
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(StatePoint) Financial experts agree that no one is completely immune from risk when a recession occurs, and that an economic downturn can have a significant impact on your personal and financial situation. However, they also agree that it is important to avoid panicking and to remain focused on your long-term financial plans and strategies.

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How New Tech Could Help You Manage Your Money
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(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.

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6 Tips for Avoiding Emotional Spending
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(StatePoint) Decisions about spending money are often driven by emotions, even if what your heart is telling you goes against logic. Emotional financial choices may provide you with short-term happiness, but they are just as likely to result in long-term regret or debt.

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Anxious About the Economy? New Survey Reveals Your Next Steps
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(StatePoint) Economic analysts increasingly predict that the U.S. will soon experience a recession, and a recent survey by CFP Board/Morning Consult shows many Americans agree: 55 percent of respondents believe a recession will occur in the next year. Roughly three quarters of respondents said an economic downturn would affect their household, with more than a third projecting it would have a major impact.

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7 Traits to Look for in a Financial Planner
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(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.

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3 Tips for Greater Financial Health and Happiness in 2020
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(StatePoint) What tops most New Year’s resolutions lists? You guessed it. Greater health and happiness. But what most Americans don’t consider is that financial health can be equally, if not more important to overall happiness than other resolutions, such as starting a new diet or joining a gym.

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How to Troubleshoot Your Technology Issues
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(StatePoint) If you’re like most people, you’ve spent more time than you’re willing to admit troubleshooting a technology issue with any one of the many devices in your connected home. Did you know that the average person owns at least 10 connected devices from Macs and PCs, smartphones, tablets and printers, to voice assistants, video doorbells and even home automation systems? 

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Starting a Business? Website Trends to Consider
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(StatePoint) Starting a business? One of the first things you’ll need to do is build a website. Today a website is not only your brand, but it also provides the tools you need to operate your business, and is the central point for you to communicate with your customers.

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5 Things to Do to Prepare for a Recession
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(StatePoint) Experts agree that periods of economic downturn, or recessions, are unavoidable and often follow a period of market growth. However, experts also acknowledge that it is difficult to predict exactly when the next recession will begin.

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Tips for a Stress-Free Tax Season
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(StatePoint) Taxes are an unavoidable fact of life. Unfortunately, they can be somewhat overwhelming, which can cause people to put the task off and miss the deadline. Use these tips for a stress-free tax season:

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Looking to Buy a Home? 2020 May Be Your Year
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(StatePoint) If buying a home is on your near-future to-do list, experts say that 2020 may be a good year to make it happen. Mortgage interest rates are near historic lows, providing you with the opportunity to finance a new home purchase at a much lower cost.

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7 Tips for Using Credit Cards Safely
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(StatePoint) Credit cards are a useful tool for managing personal finances and building credit, but they also expose you to a number of risks -- including identity theft and credit card fraud. Thankfully, experts say there are many simple, proactive steps you can take to help protect yourself when using a credit card. Here are seven tips for guarding your credit.

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What to Consider Before Buying a Used Car
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(StatePoint) When it comes to their next set of wheels, the majority of Americans would consider buying used despite harboring concerns about reliability and necessary repairs, suggests a new survey.

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Tips for the Best Financial You
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(StatePoint) Want to save more money, boost your credit score and better manage your finances? To help get you started, Experian Boost ambassador, actor and financial empowerment activist, Hill Harper is providing these money tips:

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Tips to Protect Your Winter Wardrobe
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(StatePoint) If you are like many people, your winter wardrobe requires a bit of extra care. Between fine cashmere sweaters, favorite woolen outerwear and your snazziest cocktail attire, your special care garments should look as crisp at the end of the season as they do today.

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Are You Ready for College Entrance Exams?
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(StatePoint) While a student’s long record of academic achievement is generally the most important measure that colleges take under consideration during the admissions process, getting as prepared for one’s college entrance exams as possible is a great idea.

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How to Help Young Adults Build Credit History
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(StatePoint) As young adults establish their financial independence, they may be overwhelmed with enticing credit card offers. Free airfare, cashback and special introductory rates may be tempting, but choosing the right card is more important than snagging some fun freebies.

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Affordable DIY Projects to Transform Your Home
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(StatePoint) Transformative home renovations don’t need to be complicated, nor do they need to cost an arm and a leg. There are plenty of affordable DIY projects you can do in a weekend to add beauty to your home’s indoor and outdoor spaces. Here are a few to consider:

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Great Ways to Honor Native Veterans
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(StatePoint) Today, American Indians, Alaska Natives and Native Hawaiians (AIAN) serve in the U.S. military at one of the highest rates per capita of all population groups, according to the Smithsonian Institution. In fact, the AIAN veteran cohort served in the Pre-9/11 period of service in a higher percentage than veterans of other races (19.9 percent vs. 13.3 percent, respectively).

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How the Latest Cyber Threats May Affect You
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(StatePoint) New cyber threat intelligence suggests that while the volume of cyberattacks is trending down slightly, the attacks are becoming more targeted and nefarious. This latest data can help individuals and businesses make sense of current cyber threats and take action.

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How to Save Big on Tech Upgrades
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(StatePoint) If you’re in the market for a smartphone, tablet, smart watch or other gadget, you may be preparing to pay through the nose. Experts say that you don’t have to go broke on tech if you shop wisely.

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Great Ways to Make Education More Affordable
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(StatePoint) As most parents know, even a free public school education comes with certain expenses that over the course of a school year can really add up. While many of these expenditures feel unavoidable, there are certain ways that families can save money on the hidden costs of schooling.

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What Veterans Should Know About Caregiver Jobs
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(StatePoint) Today, there are over 18 million U.S. veterans, many of whom are seeking civilian jobs. Experts say that the caregiving industry -- which is expected to grow rapidly in the coming years due to an aging population -- is particularly well-suited to the skills and experience of those who’ve served their country.

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Are Millennials Paying Enough Attention to Their Credit Scores?
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(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.

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Credit Application Denied? Here’s What to Do Next
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(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.

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What to Know Before Replacing Your Roof
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(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.

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What to Know About Your Medicare Advantage Plan
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(StatePoint) Medicare Advantage (MA) plans are increasingly popular, offering robust benefits to supplement Medicare coverage, including vision, health, dental, drug coverage and more for more than 22 million people nationwide.

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How a Career Helping Others Can Make You Happier
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(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.

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How to Protect Yourself From Financial Fraud
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(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.

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How and Why to Keep Up With the Latest Tech Trends
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(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.

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Home Weatherization 101: Tips for a Comfortable Home
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(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.

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Could You Pay Your Mortgage on One Income? Here’s What to Know
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(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?

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Adulting: Financial Tips for Gen Z
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(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.

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How to Prepare Young Adults for Financial Independence
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(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.

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The 3 ‘D’s of Understanding Medicare Part D Plans
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(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, which dropped for the third year in a row in 2020.

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Tackling the Housing Affordability Crisis
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(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.  

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What to Know About Financial Planning Careers
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(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.

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Tips for Creating the Perfect Home Office
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(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.

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