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The Galveston County Daily News: Money & Finance

September 29, 2016

Money & Finance

Top Story

Tips to Prepare a Holiday Budget

(StatePoint) It’s the holiday season and you know all that it entails, so don’t let the expenses catch you off-guard -- from traveling to see family to throwing your massive annual party to simply completing your holiday shopping.

  • icon Updated: 2:31 am

Pet Central

pets

Having a pet is a lot of responsibility, and we’ll help by giving you lots of tips and tricks! More >>

Fitness

Fitness

Our fitness articles will help teach you how to work out with gym- and home-based exercises. More >>

Crosswords

Crosswords

Enjoy the crosswords challenge in our free daily puzzles, from the harder Sunday crossword to the quicker daily. More >>

Sudoku

Sudoku

Every Sudoku has a unique solution that can be reached logically. Enter numbers into the blank spaces so that each row, column and 3x3 box contains the numbers 1 to 9. More >>




Recent Headlines

Thursday 09/22/2016
Can Healthy Habits Contribute to Financial Security?
Updated: September 22, 2016 - 2:31 am

(StatePoint) When it comes to feelings about finances, working Americans are practically split down the middle, according to a recent study.

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Wednesday 09/21/2016
Changes in your household? Tips for updating your insurance
Updated: September 29, 2016 - 2:31 am

(BPT) - The American household is changing. The typical single-family home has evolved in the 21st century.

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Save Time and Money With a Mail-Order Pharmacy
Updated: September 21, 2016 - 2:30 pm

(NewsUSA) - Sponsored News -

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Millennials and Health Care
Updated: September 21, 2016 - 2:30 pm

(NewsUSA) - Sponsored News - Growing up in the digital age, most millennials (adults ages 18 to 36) have grown dependent on using technology to educate themselves about everything from current fashion trends to the latest rankings for their favorite football team. However, one important aspect of life that can't be as easily explained by a smartphone is health care. Since having comprehensive benefits is a major workplace perk, it's important that millennials understand key insurance terms so they can make the best health care decisions. Learn more at aflac.com.

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10 smart ideas to heat your home for less
Updated: September 29, 2016 - 2:31 am

(BPT) - As cooler temperatures begin to sweep the nation, homeowners are turning on their heat for the first time in months. With every degree increase on the thermostat, utility bills follow suit.

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Tuesday 09/20/2016
Don't 'Overborrow'
Updated: September 21, 2016 - 2:31 am

(NAPSI)—According to the U.S. Department of Education, Americans owe more than $1.3 trillion in student loan debt. That’s nearly the gross domestic product of all of Australia. The average U.S. college graduate has nearly $38,000 in student loan debt.

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October is Financial Planning Month: Easy Tips to Stick to a Budget
Updated: September 20, 2016 - 2:31 am

(StatePoint) It can be easy to let your finances fall by the wayside when juggling work, family, school and other priorities.

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Monday 09/19/2016
5 Ways to Raise Capital and Start a Business
Posted: September 19, 2016

(NewsUSA) - Sponsored News - Raising capital to start a new business is not as easy as setting up a lemonade stand or selling Girl Scout cookies. A primary reason for the failure of start-ups is a lack of funding. There are plenty of great products and ideas that have never come close to making it to the public.

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Thursday 09/15/2016
If you become disabled or laid off, how can you pay your bills?
Updated: September 22, 2016 - 2:31 am

(BPT) - The transmission on your car fails resulting in a trip to the repair garage. Your appendix bursts requiring an overnight hospitalization. A windstorm damages your roof causing a leak. 

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Tips for Getting the Most out of Your Credit Card Rewards
Updated: September 15, 2016 - 2:31 am

(StatePoint) With so many options to choose from, it would seem that finding a credit card that is right for you should be easy. Often overlooked, however, is the importance of finding one with a rewards program suited to your spending habits.

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Wednesday 09/14/2016
Power Down the AC on National Ceiling Fan Day
Updated: September 15, 2016 - 2:31 am

(NewsUSA) - Sponsored News - The weather is getting cooler, signaling time to turn off your energy-guzzling AC, but that's no reason to turn off your ceiling fan. You can save money and energy year-round by continuing to run your ceiling fan. That's the message touted by the fourth annual National Ceiling Fan Day (NCFD) this Sept. 18.

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Tuesday 09/13/2016
New Book Tackles Complex Questions About Retirement Planning
Updated: September 14, 2016 - 2:31 am

(NAPSI)—Just as it’s never too early to start planning your retirement, it’s never too late either, according to Hans Scheil, CFP®, president of Cardinal Retirement Planning, Inc. Many people underprepare for retirement and overlook the critical area of long-term care as part of their retirement plan. 70 percent of people age 65 can expect to use some form of long-term care in their lives, according to the U.S. Department of Health & Human Services. The sooner you address this, the less likely it is that you will have to make important decisions in the midst of a health care crisis.

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Fall Is A Good Time For Consumers To Review Their Personal Finances
Updated: September 14, 2016 - 2:31 am

(NAPSI)—The last few months of the year are traditionally one of the busiest when it comes to consumer spending. Back-to-school and college spending peaks during the third quarter of the year followed by consumer spending during the holidays. The Federal Reserve estimates that credit card debt will reach the $1 trillion mark this year, the highest it’s been since 2008 before the housing market tumbled. For these reasons, financial analysts suggest it’s a good time for consumers to review their personal finances.

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Monday 09/12/2016
Small Steps to Take Today to Improve Your Retirement Tomorrow
Updated: September 12, 2016 - 3:00 am

(StatePoint) While it is never too early or too late to prepare for retirement, today is always the right day to take action.

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Friday 09/09/2016
It's Open Enrollment Time: 5 Tips for Selecting the Right Health Benefits
Updated: September 17, 2016 - 2:31 am

(BPT) - Fall signals the start of many annual traditions and favorite pastimes — the start of a new school year, football season and holidays. Fall is also the season for another important annual tradition: open enrollment, when many people have an opportunity to select or change their health benefits for the following year.

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Helping Kids Do Well And Do Right
Updated: September 10, 2016 - 2:32 am

(NAPSI)—The more than 3 million public high school teachers and coaches in the U.S. do a lot for their young charges. They help prepare their students for life after graduation. They teach academic lessons and various skills that students will need to attend college and to enter the job market. They help them stay safe and healthy on and off the field. But there’s something more they can provide that most people haven’t really thought about.

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Thursday 09/08/2016
Fraud-Fighting Facts
Updated: September 09, 2016 - 2:31 am

(NAPSI)—Hundreds of data breaches occur every year in the U.S. If your company, organization or agency has a data breach, you need to know what to do to help people whose personal information may have been exposed.

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Wednesday 09/07/2016
Millennials: 3 financial priorities that shouldn't wait
Updated: September 08, 2016 - 2:31 am

(BPT) - Millennials are frequently criticized for needing instant gratification, but recent reports point out that they actually have more patience than previous generations. Both the U.S. Census Bureau and Centers for Disease Control and Prevention (CDC) say millennials are delaying getting married and starting a family by almost a decade.

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Friday 09/02/2016
Are Millennials Getting a Bum Rap When It Comes to Money?
Updated: September 02, 2016 - 2:31 pm

(NewsUSA) - Sponsored News -

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Why Substitute Teaching Is A Smart Choice
Updated: September 03, 2016 - 2:31 am

(NAPSI)—Some 50 million children attend school in America, taught by a little over 3 million full-time teachers, according to the National Center for Education Statistics. Additionally, nearly 620,000 individuals work as substitute teachers and provide continuity in the classroom when the regular teacher is out for personal or professional reasons. In fact, it’s estimated that students will spend one full year of their academic career with a substitute teacher by the time they graduate from high school. But you don’t need to be a math professor to know that quality educators are in high demand.

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Thursday 09/01/2016
The Health Perks of Our National Parks
Updated: September 01, 2016 - 2:30 pm

(NewsUSA) - Sponsored News - Most Americans agree that spending time outdoors can enhance their physical and mental health. A recent online survey, conducted by Harris Poll on behalf of Humana among over 2,000 US adults, reveals that Americans believe spending time outdoors can reduce stress (75 percent), benefit mental well-being (74 percent) and lead to living a longer, healthier life (63 percent).

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Monday 08/29/2016
Critical illnesses are expensive - are you prepared?
Updated: September 06, 2016 - 2:30 am

(BPT) - The cost of a critical illness — a heart attack, cancer or stroke — can hit thousands of dollars. It can push families to the financial brink, as more than half say they have little or no savings.

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Friday 08/26/2016
Peace of Mind in Retirement
Updated: August 26, 2016 - 2:31 pm

(NewsUSA) - Sponsored News - Planning for retirement -- and keeping that plan on track -- can be difficult. You have to make sure your money grows so that it lasts as long as you do. There's a product offered by life insurers that helps people with this challenge. It's called a variable annuity.

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3 Things You May Not Know about Life Insurance Today
Updated: August 26, 2016 - 2:31 am

(StatePoint) If you’re like many Americans, you may spend substantial time and energy on general financial planning while overlooking the various ways life insurance may fit into that plan. Life insurance has wide-ranging benefits for people of all ages that you should consider, say experts.

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Wednesday 08/24/2016
How to save money on health care
Updated: September 01, 2016 - 2:31 am

(BPT) - One in two Americans has a chronic condition and 86 percent of health care spending is on chronic care, according to the Centers for Disease Control and Prevention. When it comes to saving money, health care is probably the last place you might look, but there are many ways to build better health and stronger savings.

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Monday 08/22/2016
Meeting the Health Care Needs of Next-Generation Consumers
Updated: August 22, 2016 - 2:30 pm

(NewsUSA) - Sponsored News - Even though they're young, members of Generation Z have experienced the effects of a recession, so it's no surprise they are prone to saving money for a rainy day. Yet one illness or injury that leads to an emergency room visit or inpatient care can result in medical bills that even a savings-conscious person didn't anticipate. To help protect a starter salary or the money that Gen Zers have worked so hard to save for the future, young people should be educated about why voluntary health care coverage isn't just for older generations. It's lifestyle protection for everyone. Learn more at aflac.com.

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Top 3 ways to save money on health care
Updated: August 24, 2016 - 2:31 am

(BPT) - One in two Americans has a chronic condition and 86 percent of health care spending is on chronic care, according to the Centers for Disease Control and Prevention. When it comes to saving money, health care is probably the last place you might look, but there are many ways to build better health and stronger savings.

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Wednesday 08/17/2016
Why Investing In Real Estate Is Easier Than Ever
Updated: August 18, 2016 - 2:31 am

(NAPSI)—There is no shortage of reasons why investing in residential real estate can be a good idea: home prices declined during the recent financial crisis, the number of renters has skyrocketed, it’s often considered a stable alternative to the stock market and the list goes on and on.

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Top Five Reasons Businesses Base Real Life Decisions On Research
Updated: August 18, 2016 - 2:31 am

(NAPSI)—Research isn’t just for the lab anymore. Now more than ever, businesses use research that’s already out there—or conduct research that isn’t—and apply it to real-life business situations. Dr. Hinrich Eylers, Executive Dean, School of Advanced Studies at University of Phoenix, has five reasons businesses should use research for real-life decisions.

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Friday 08/12/2016
Online Platform Promotes Partnerships Between Businesses and Investors
Updated: August 13, 2016 - 2:31 am

(NewsUSA) - Sponsored News - Historically, specialty businesses had limited ability to expand beyond their immediate geographic region. However, current technology allows such businesses to promote themselves to a larger audience. Touch Up Teak is one example of how successful online investment partnerships can grow a business.

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4 Ways to Cut Your Energy Bills (5 If You're Up to It)
Updated: August 13, 2016 - 2:31 am

(NewsUSA) - Sponsored by GAF - Pity we don't all have the stamina of the greenest of greenies.

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Thursday 08/11/2016
Winning the Financial Security Lottery
Updated: August 12, 2016 - 2:31 am

(NewsUSA) - Sponsored News - Like many people, you may have dreamed of winning the lottery and being financially secure for life. However, you don't need to win the lottery to obtain financial security. In fact, that security might just be available through the benefits offered at your job.

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Making The Grade: Getting High School Seniors Ready For College
Updated: August 12, 2016 - 2:31 am

(NAPSI)—Nearly 17 million high school seniors graduate each year, the U.S. Department of Education estimates, and many plan to attend college. But are they all really college-ready?

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Top Things Every Renter Should Know
Updated: August 11, 2016 - 2:31 am

(StatePoint) Renters may be free of some of the concerns and responsibilities of homeownership, but there are a few considerations they should make for financial security and greater peace of mind.

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Wednesday 08/10/2016
How to Earn a Hundred Million Dollars or More
Updated: August 10, 2016 - 2:30 pm

(NewsUSA) - The deal, which was later reported by major news media around the world, did not portend much initially. It was struck in 2005 between a high school dropout with a history of petty thefts and a little-known startup with no revenues. The latter wanted the former to spray paint graffiti on their office walls. The former brazenly asked for sixty thousand dollars -- an astronomical fee in graffiti business; the cash-strapped startup countered by offering him its shares, which had no market value.

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Wednesday 08/03/2016
Curbing Bad Behavior: App Seeks to Harness Overbilling by Contractors
Updated: August 03, 2016 - 2:31 pm

(NewsUSA) - That contractors routinely overbill governments at the expense of taxpayers may come as no surprise. That these overbillings likely total hundreds of billions of dollars should shock and infuriate us all.

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Tuesday 08/02/2016
5 signs your financial institution cares about you
Updated: August 03, 2016 - 2:33 am

(BPT) - When choosing a financial institution, it’s important to think beyond credit cards and home loans. You want your bank or credit union to be there for you when you need them, wherever you need them, because that’s what peace of mind is all about. So seek out a trusted organization that really cares about you, and if you’re being taken care of, you can rest easy knowing that your bottom line — not just theirs — is also being taken care of. 

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New Online Platform Creates Access to the American Dream
Updated: August 02, 2016 - 2:31 pm

(NewsUSA) - Sponsored News - Technology continues to change the way businesses operate, and that includes how they find resources to get started, fund growth and find a buyer. DPOUSA is one example of the latest paradigm in funding business opportunities. DPOUSA is an online financial platform connecting companies with capital sources, buyers with sellers, and people seeking business opportunities. DPO stands for "direct public offering," and DPOUSA.com is designed to allow individuals to present their businesses directly to potential investors. The ventures can range from startups to large enterprises, and the online platform has sections for each stage of the business life cycle. The site reflects the new business paradigm: It is accessible 24 hours a day, seven days a week, 365 days a year for users interested in acquiring, funding or investing in new ventures.

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Many Boomers Surprised By Debt In Retirement
Updated: August 03, 2016 - 2:33 am

(NAPSI)—If you’re like most people, retirement means more time to travel, play with grandkids and experience greater personal satisfaction in everyday life. But as Baby Boomers begin to retire, many will experience a different reality—one marked by debt. Fortunately, there are ways to avoid being among them.

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Monday 08/01/2016
Small Businesses Have Happy Workforces
Updated: August 02, 2016 - 2:31 am

(NewsUSA) - Sponsored News - New research shows that small-business employees are among the happiest people in the workplace. One major reason for their happiness stems from the way many small-business owners show workers how much they appreciate, respect and value them on a professional and personal level. Opportunities offered by small businesses, such as a family atmosphere, flexible work schedules and a greater understanding of how current goals fit into long-term plans for the company, may be harder to come by in larger companies. Small businesses can play to their strengths by frequently communicating and taking action in areas where their employees see opportunities for improvement. Learn more at aflac.com/smallbusiness.

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Top tips for successful buyers and sellers in the auto salvage industry
Updated: August 09, 2016 - 2:32 am

(BPT) - The auto salvage industry is more popular than ever. While automotive prices rise, so does the difficulty in finding a good deal on a vehicle, and yet, many are still misinformed about what a salvage car truly is. Automotive consumers have been misled to believe that a salvage car, scrap car, junk car and total loss vehicle are one in the same. As a result, many consumers are not aware of the value that the auto salvage industry has to offer.

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College and credit cards: How parents can play professor
Updated: August 09, 2016 - 2:32 am

(BPT) - Last year, college campuses across the country had 2.1 million recent high school graduates walk through their doors — a number that will likely be matched in 2016. But a freshly printed campus ID isn’t the only plastic eager students will carry this fall. A recent survey commissioned by USAA found that as parents send their children to college, most make sure their kids pack at least one credit card in their wallets.

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Thursday 07/28/2016
Save on Everything for Back-to-School with these Smart Tips and Tricks
Updated: July 28, 2016 - 2:31 am

(StatePoint) Whether your kids are school playground-bound or college-bound, the back-to-school season can be an expensive time of year. Families with children in grades K-12 plan to spend an average $673.57 while college students and families with children in college plan to spend an average of $888.71, according to a National Retail Federation 2016 annual survey.

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Friday 07/22/2016
Six Truths About Having A Health Care Career
Updated: July 23, 2016 - 2:30 am

(NAPSI)—According to the Bureau of Labor Statistics, health care jobs are projected to grow to 2.3 million from 2014 to 2024. That would suggest that now may be a good time to start preparing for those positions.

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Wednesday 07/20/2016
5 gigs that will help you pay for college
Updated: July 28, 2016 - 2:31 am

(BPT) - Let’s face it — college is expensive. Whether you’re still in school trying to pay for textbooks and housing, a professional facing your student loans or a parent saving for your child’s future tuition, the cost of an education can result in debt that looms for decades. More people are finding that full-time jobs are not even beginning to cover the costs. Today’s gig economy and sharing economy offers many different avenues to supplement your budget and ease the burden of education-related expenses, all while providing flexibility and self-determinant hours.

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Tuesday 07/19/2016
Dads and Daughters Can Profit From Each Other on Father's Day
Updated: July 21, 2016 - 2:31 pm

(NewsUSA) - Sponsored News - She's not just "daddy's little girl" anymore. And this Father's Day, it turns out that both millennial daughters and their Boomer dads could profit by sharing financial advice with each other.

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Monday 07/18/2016
The Cadillac Tax and Its Potential Effect on the American Business
Updated: July 21, 2016 - 2:31 pm

(NewsUSA) - Sponsored News - According to the Galen Institute, as of January, more than 70 significant changes have been made to the Affordable Care Act (ACA) since April 2010. These changes range from small clarifications to major shifts. One change that continues to prompt questions from employers and benefits professionals is the pending Cadillac tax, a 40 percent excise tax on high-cost health benefit plans provided by businesses.

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How Far Are Kids Willing to Go to Help Aging Parents?
Updated: July 21, 2016 - 2:31 pm

(NewsUSA) - Sponsored News - Do your kids have your back? Apparently more so than many of you think.

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Friday 07/15/2016
Checklist For Success
Updated: July 16, 2016 - 2:31 am

(NAPSI)—If you’ve been thinking—or even just dreaming—of your own ebusiness, you aren’t alone. Take the time to properly set up your system, however, and you’ll have a leg up on those who don’t.

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