6 Tips for Refinancing Your Mortgage
5 Ways to Master a Move
(StatePoint) The recent economic downturn has caused many Americans to worry about their money, but there is at least one potential bright spot: lower interest rates. For homeowners, this means that it may be time to consider refinancing your mortgage. Refinancing can give you an opportunity to lower your monthly mortgage payments and save money by paying less interest over the term of the loan.
Can You Save Money Driving an Electric Vehicle?
(StatePoint) While real estate agents report that far fewer people than normal have been moving during the COVID-19 pandemic, that may soon change. A recent Harris Poll found that nearly a third of U.S. adults living in urban areas are considering a move to less densely populated cities in the wake of the pandemic. Others may not be fleeing the pandemic but simply want or need to move, either for a job change or other reason.
4 Steps to Create a Household Budget with Staying Power
(StatePoint) While many motorists are aware of the environmental benefits of going electric, they may not know just how much they stand to save by making the switch.
Small Business Owners Say Continual Tech Investments Are Critical
(StatePoint) These uncertain times are forcing more people to reexamine finances and rewrite their household budgets. According to the Pew Research Center in a survey conducted soon after the COVID-19 crisis began, 33% of Americans either lost their jobs or suffered a pay cut or reduction in work hours. Plus, 49% said the outbreak is a major threat to their personal finances.
Newly Unemployed? Understanding Your Health Insurance Options
(StatePoint) A new survey of small business executives reveals key insights of what it takes to stay competitive today -- and technology and attracting top talent are crucial.
4 Hot Home Renovation Trends This Summer
(StatePoint) With millions of people nationwide filing for unemployment since the start of the COVID-19 pandemic, many individuals and families across the country are suddenly finding themselves without health insurance at a precarious time. Fortunately, new options may be able to help those on tight budgets.
Tips to Shop Smarter and Save on Household Essentials
(StatePoint) Whether building a home from scratch, doing a complete renovation or simply refreshing a room or two, you can take your project to the next level with some design inspiration.
How Families and Communities Can Prepare for Natural Disasters
(StatePoint) When it comes to the essentials that families use and replenish most often, some smart shopping strategies can allow you to stretch your dollar and keep your household budget on track.
How to Extend the Life of Your Used Car
(StatePoint) Natural disasters are increasing in severity and frequency. However, studies show that advance planning can keep individuals healthier and safer and support faster recovery for communities. And one of the most effective ways to prepare is by enforcing up-to-date building codes.
Common Moving Myths - Busted!
(StatePoint) Nearly 70 percent of all car sales are used vehicles, thanks to the rising costs of new cars and the increasing quality of their used counterparts. While buying a previously owned vehicle makes the best financial sense in a lot of cases, experts say there are some things to keep in mind.
Learning at Home: 5 Tips for Teaching Children Financial Literacy
(StatePoint) You’ve finally found the perfect home. Now comes the hard part: moving. But don’t let misconceptions complicate the process. To keep frustrations to a minimum and make your move more manageable, here are five common moving myths, debunked.
Top Tips for Safe HVACR Maintenance
(StatePoint) If you have school-age children, you are probably one of the many parents facing the challenge of educating your kids at home. While there are countless learning options available—from virtual music classes to videos about zoo animals—financial literacy is one important subject that should not be overlooked.
How to Make the CARES Act Part of Your Financial Plan
(StatePoint) There’s a lot of uncertainty about some aspects of life today. However, the importance of proper heating, ventilation, air conditioning and refrigeration (HVACR) installation and maintenance is a constant for homeowners, especially for those who have been spending a lot more time at home lately.
3 Expert Pay Negotiation Tips for Women
(StatePoint) For many Americans, the current state of the economy is creating real financial challenges and concerns. However, the federal government’s recently enacted CARES Act is intended to provide some financial relief to families and business owners who may be struggling to manage their finances, using cash disbursements, expanded unemployment benefits, and different loans and tax credits.
Keeping Personal Information Safe During a Pandemic
(StatePoint) As advocates continue to put gender equity under a microscope and some progress has been made, there’s still a long way to go. The income gap between men and women has yet to be closed, and while employers have a huge role to play in creating a level playing field, many women could advocate for themselves more effectively during salary negotiations.
6 Steps to Get Your CARES Act Funds Fast
(StatePoint) Americans are spending more time at home, which means they’re likely spending more time online. While their attention is focused on staying healthy, they shouldn’t forget to stay vigilant about cybersecurity either.
What You Need to Know About Filing Your 2019 Taxes
(StatePoint) Millions of U.S. residents will receive government stimulus payments (also known as Economic Impact Payments) under the CARES Act. Payments to eligible recipients will arrive by either direct deposit or a paper check.
Unemployed Due to Coronavirus? Find Available Benefits
(StatePoint) Spring is the season of warmer weather and blossoming flowers, but it is also – usually -- the season of taxes. Tax Day is typically April 15, but the Internal Revenue Service (IRS) recently extended the deadline for filing and paying your 2019 federal income taxes to July 15, 2020.
Mortgage Relief and COVID-19 Scams: What You Need to Know
(StatePoint) Self-quarantines and stay-at-home orders as a result of the COVID-19 pandemic are having an impact on employment right now, and that may continue for some time. During this period of uncertainty, finding ways to pay bills or keep medical benefits are top concerns for many. Here are some tips from Janine Nowatzky, managing director of Inside Rx.
Protecting Your Financial Health in These Uncertain Times
(StatePoint) Unfortunately, during times of hardship, families are often targeted by fraud artists attempting to take advantage of those needing assistance. The COVID-19 crisis is no exception, with many scammers pretending to extend a critical lifeline to struggling homeowners through so-called “foreclosure rescue fraud.”
Fund Helps Breast Cancer Patients Impacted by COVID-19 Crisis
(StatePoint) With expected delays in bill payments, unprecedented layoffs, hiring freezes and related hardships, many Americans are facing new financial challenges.
Top Ways to Lighten Up Your Home Workspace
(StatePoint) Rising unemployment, mandatory stay-at-home orders, and an overburdened health care system are causing a perfect storm for breast cancer patients who have concerns or need care, according to the experts at Susan G. Komen.
5 Financial Planning Tips for Women
(StatePoint) Many people have found themselves working from home. Whether setting up shop at the kitchen table or creating a complete home office, here are simple hacks to make your new work environment comfortable and productive.
3 Things to Know About 401(k)s in 2020
(StatePoint) The demographics of women have rapidly evolved over the last half-century. Now a prominent component of corporate America and the global business landscape, women are increasingly assuming stewardship of family and business finances.
Home Interior Updates You Can Make to Create a Wow Factor
(StatePoint) Workplace retirement plans, including 401(k)s, 403(b)s and 457 plans, provide an important long-term savings tool for many Americans. About 55 percent of U.S. workers across public and private sectors participated in workplace retirement plans in 2018, according to the Bureau of Labor Statistics.
What to Know About Financial Advising Career Paths
(StatePoint) Whether you want to customize and enhance your living spaces for your own enjoyment or you need to prepare to stand out in a buyer’s market, creating that wow factor is easy to achieve, if you know where to focus your attention. You’re likely already familiar with the importance of exterior curb appeal. According to experienced realtors, it’s just as important to continue that concept after walking through the front door.
5 Important Financial Decisions: Should You DIY or Hire a Pro?
(StatePoint) If you’ve decided to pursue a career in financial advising, there are a few things you should know about the many opportunities within this fast-growing field.
Building a Home? What to Ask Your Builder About Lighting
(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.
Taking a Top Down Approach to Home Exterior Updates
(StatePoint) While lighting is an essential piece of new home design; it’s often selected and installed at the end of the building process. What’s more, statement-making decorative lighting is often not part of the initial design at all.
3 Smart Ways to Boost Home Curb Appeal
(StatePoint) Whether you want to boost the beauty of your home for your own enjoyment or you’re looking to sell in the near future, experts recommend taking a top-down approach to evaluate the outside of your home.
How to Improve Your Financial Health
(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.
How to Talk to Your Children About Tough Money Matters
(StatePoint) Every so often, it’s important to take stock of your financial health and focus on a plan to achieve your goals. Here are some tips to help you get started:
What Does a Recession Mean for You? 6 Ways to Protect Your Future
(StatePoint) Has your family discussed money concerns?
6 Tips for Avoiding Emotional Spending
(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.
Anxious About the Economy? New Survey Reveals Your Next Steps
(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.
3 Tips for Greater Financial Health and Happiness
(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.
3 Financial Planning Trends to Look for in 2020
(StatePoint) When people consider adopting healthy habits, they often forget to take their financial health into consideration. But your financial health can be equally, if not more important to overall happiness than other goals, such as starting a new diet or joining a gym.
How to Troubleshoot Your Technology Issues
(StatePoint) The latest financial planning trends anticipated by industry experts will have important implications for consumers.
Middle Market Companies Upgrading Technology to Drive Growth
(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?
Myths vs. Facts of Landing a Skilled Trade Job
(StatePoint) Technology and talent are key drivers of future growth, middle market executives say in a new survey.
Prioritizing Your Family's Plan to Pay for College
(StatePoint) With the demand for skilled trade workers growing nationwide, you may be looking to launch your career, change professional paths, or hone current skills in order to advance in your industry.
Starting a Business? Website Trends to Consider
(StatePoint) When it comes to financial goals, a new survey suggests that creating a plan to pay for college should be top of mind for more families.
5 Things to Do to Prepare for a Recession
(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.
Looking to Buy a Home? 2020 May Be Your Year
(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.
7 Tips for Using Credit Cards Safely
(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.
What to Consider Before Buying a Used Car
(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.
(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.