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Personal Finance

4 Ideas for Becoming a Lifelong Learner
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(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:

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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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4 Ways Medicare Part D is Changing in 2020
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(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.

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How Companies are Supporting Employees’ Financial Goals
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(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.

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Making the Most of the Medicare Annual Election Period
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(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.

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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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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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Tips to Build Good Credit During and After College
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(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.

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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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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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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 Determining Your Medicare Part D Plan
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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, projected to drop for the third year in a row.

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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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How to Keep Your Data Safe in Today’s World
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(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.

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5 Tips for Managing Your Student Loan Debt
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(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.

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3 Ways Families Can Save Time and Money on Household Goods
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(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.

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Tips to Save Money on Tech for Students
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(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.

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5 Basic Things Everyone Should Know About Their Car
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(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.

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Raising a Baby is Expensive: How to Safely Save Money
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(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.

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5 Signs it’s Time to Ask for a Raise
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(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.

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New Ways to Save Money in Your Digital Life
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(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.

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Top Tips for Hurricane and Storm Readiness
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(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.

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Are You at Risk for Hepatitis C? What to Know
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(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.

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What to Think About Before Applying for a Loan
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(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.

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Is an Electric Car Right for You?
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(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.

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