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The Galveston County Daily News: Money & Finance

January 20, 2017

Money & Finance

Top Story

Food, Fuel, and Finance ... The 3Fs of Economics

(NewsUSA) - Nearly half of U.S. high school students say they do not know how to establish good credit and more than one-fourth believe they will be unprepared to manage their finances upon graduation. This is according to recent research that reveals a lack of financial literacy among American youth.

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Recent Headlines

Thursday 01/19/2017
4 reasons you should review your beneficiary designations
Posted: January 19, 2017

(BPT) - Baby boomers have been planning and saving for retirement for decades. They are also planning their legacy — creating wills, trusts and other sophisticated estate planning strategies to transfer their wealth to the next generation.

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Wednesday 01/18/2017
Registering With The Selective Service Is A 'No-Brainer'
Updated: January 19, 2017 - 2:32 am

(NAPSI)—Once young men know the opportunities that registration with the Selective Service System can bring, and the high personal cost of not registering, they can see that registration is a “No-Brainer.”

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How To Handle Your Own Retirement
Updated: January 19, 2017 - 2:32 am

(NAPSI)—Retirement is evolving. And if you’re part of the baby boomer generation—an estimated 76 million Americans born between 1946 and 1964—you’re seeing this evolution first-hand. Call it the “new retirement,” where it’s increasingly likely your employer no longer provides you with a pension. This means it’s up to you to take care of your golden years. Are you ready? If you are, you’re ahead of many of your peers.

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Tech Goals to Save Money and Make Life Easier
Updated: January 18, 2017 - 2:31 am

(StatePoint) These days, the average consumer needs to budget for a variety of tech-related expenses -- from data plans to cable bills. These monthly expenses quickly add up.

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Thursday 01/12/2017
Paying for college: Options reduce need for student loans
Updated: January 20, 2017 - 2:31 am

(BPT) - While only a fortunate few students can expect a free college education by winning full academic or athletic scholarships, everyone can take advantage of a combination of academic aid, grants, fellowships, work-study and student loans to pay for a four-year degree, says Peter Gayle, a vice president for Prudential Advisors. Unfortunately, many prospective students and their families often don’t know where to look.

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Wellness Program Rewards Healthy New Year's Goals
Updated: January 12, 2017 - 2:31 pm

(NewsUSA) - As we start the New Year, we have thoughts and make plans about resolutions. Many people with health-focused resolutions will head to the gym for a workout, turn to a weight-loss program or swap soda for water.

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Monday 01/09/2017
4 life changes that affect your taxes and how to tackle them
Updated: January 10, 2017 - 2:31 am

(BPT) - Life changes often mean tax changes. Whether it’s getting married, buying or selling a home, moving abroad or having a baby, misunderstanding the tax and financial implications of these life changes can lead to taxpayers making mistakes or leaving money on the table.

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One New Year's Resolution You Don't Have to Keep to Be a Winner
Updated: January 09, 2017 - 2:31 pm

(NewsUSA) - Looking for a resolution that can literally pay off even if you wind up not keeping it? Think your finances.

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Friday 01/06/2017
Top 5 tips for doing your own taxes
Updated: January 10, 2017 - 2:31 am

(BPT) - With the 2017 tax season a few short weeks away, now is the time to start thinking about your taxes, especially if you are doing your return by yourself. Whether you are a seasoned filer or a first timer, keeping a few tips in mind could help you increase the size of your refund (or minimize the amount you owe) and win the season like never before! Here are five tips to keep in mind while you prepare:

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Reverse Mortgage Can Help With Retirement Planning
Updated: January 06, 2017 - 2:31 pm

(NewsUSA) - This article is a paid advertisement. The content was provided by One Reverse Mortgage.

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Thursday 01/05/2017
Two out of Three middle-income Americans lack a financial plan. Do you?
Updated: January 06, 2017 - 2:31 am

(BPT) - As the holidays (and all the extra spending that goes with them) wind down and the new year ramps up, many people turn their attention to their finances. While New Year’s resolutions to spend less and save more come with the best intentions, when it comes to your financial future, you need more than a resolution. You need a plan.

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Tuesday 01/03/2017
Don't Be A Victim Of Tax Fraud
Updated: January 04, 2017 - 2:31 am

(NAPSI)—If you get a call from the “IRS” threatening you with lawsuits or jail unless you pay up immediately, don’t worry. It’s a scam.

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Sunday 01/01/2017
No will? Haven't documented financial information? Now's the time to do something about it
Updated: January 02, 2017 - 2:31 am

(BPT) - Do you want to be remembered for being a great mom, dad, daughter or son? Do you believe you’re taking the necessary steps to leave this legacy?

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Tuesday 12/27/2016
6 common tax filing mistakes to avoid
Updated: December 28, 2016 - 2:32 am

(BPT) - It’s probably safe to say handing cash to Uncle Sam does not top the list of your favorite things. When it comes to filing taxes, making a small mistake can mean paying more taxes than you need to or forking over cash to cover penalties.

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Monday 12/26/2016
5 steps toward improving financial well-being in the new year
Updated: December 27, 2016 - 2:31 am

(BPT) - With the start of a new year comes New Year’s resolutions. Many will focus on physical wellness, some on organization. Now is a perfect time to take stock of your financial house and work on financial wellness, which will take off a level of stress that can immediately have an effect on your physical well-being.

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Thursday 12/22/2016
Last-Minute Savings For Tax Year 2016
Updated: December 23, 2016 - 2:31 am

(NAPSI)—Attention, last-minute savers: There’s still time to reduce your tax burden.

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Tuesday 12/20/2016
K-12 Education Savings Accounts And How They're Changing Kids' Lives
Updated: December 21, 2016 - 2:33 am

(NAPSI)—If you’re like many American parents, you may not be aware of a way to give your children a better education at little or no cost to you.

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Top Tips For Financial Security
Updated: December 21, 2016 - 2:33 am

(NAPSI)—If you’re like many Americans, you’d like to spend less and save more. According to a Nielsen survey, that was the third most popular New Year’s resolution. Fortunately, it may be simpler than you realize.

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Tips to Save and Spend Wisely in 2017
Updated: December 20, 2016 - 2:31 am

(StatePoint) Did you get carried away with the holiday spirit this past season? On the heels of hefty spending, the New Year is the best time to take stock of personal finance habits and make beneficial changes for the year ahead.

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Monday 12/19/2016
Small Businesses Hold the Key to Employee Happiness
Updated: December 19, 2016 - 2:31 pm

(NewsUSA) - Sponsored News - As the calendar flips to another year, many employees will consider starting the new year on the hunt for a new job. In today's changing workforce, it is more important than ever for companies to realize that a salary alone is no longer enough to recruit or retain strong employees. According to a recent survey by https://www.aflac.com/smallbusiness">Aflac, small businesses deserve a round of applause for their ability to keep employees happy. The report found that 85 percent of small-business employees are happy in their current job and more than half (51 percent) agree that most of or all of their happiness in their current job is because is a result of working for a small business.

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Thursday 12/15/2016
Now's the Time to Start Saving for Her Future
Updated: December 16, 2016 - 2:31 am

(NAPSI)—Whether your children or grandchildren are infants or in high school, it’s not too late or too soon to put money aside to help them achieve a great private college education. The holiday gift-giving season is a great time to start. It is also a good idea to make college education savings one of your 2017 financial resolutions.

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Wednesday 12/14/2016
Top Tips for Understanding and Paying Back Your Student Loans
Updated: December 14, 2016 - 2:31 am

(StatePoint) With an estimated $1.3 trillion in student loans outstanding, it’s safe to say student loan debt is a reality for millions of Americans. While this figure may sound daunting, experts say that greater financial literacy can help students and graduates better understand their loans and pay them back.

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Tuesday 12/13/2016
Be Smart About Security At Tax Time
Updated: December 14, 2016 - 2:31 am

(NAPSI)—Although the Internal Revenue Service (IRS) reports a 400 percent surge in phishing and malware incidents during the 2016 tax season, there are simple steps you can take to help protect yourself.

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Monday 12/12/2016
Rebel against rogue investing and the dark side of market forces with these 7 tips
Updated: December 13, 2016 - 2:31 am

(BPT) - There is great unrest in the financial universe. The next disturbance in The Force is anyone’s guess. Like the rebels in the forthcoming Star Wars film Rogue One, you seek a new hope. Fear not and reach for a promising investment future.

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Research That Can Improve The Performance Of Organizations, Communities And Schools
Updated: December 13, 2016 - 2:31 am

(NAPSI)—A big part of the holiday season includes giving back—giving back to loved ones, communities and organizations. There are all sorts of different ways to give back, but one less obvious step to giving back may include higher education.

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Friday 12/09/2016
Chiropractic Care Now Covered By Most Insurance Plans
Updated: December 09, 2016 - 2:31 pm

(NewsUSA) - It's being called "a game-changer" - and for good reason. Tens of millions of Americans seeking chiropractic care are now routinely covered by major medical plans, Medicare, workers' compensation, and even some Medicaid plans.

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Tuesday 12/06/2016
4 tax changes that could impact your 2016 return
Updated: December 07, 2016 - 2:31 am

(BPT) - With tax filing season upon us, it’s a good idea to educate yourself on what’s changed since last year. While it’s been a relatively quiet year in terms of new tax laws, there are a handful of items for which you’ll want to prepare.

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Home For The Holidays
Updated: December 07, 2016 - 2:31 am

(NAPSI)—With today’s technology, staying in touch with loved ones around the country—and the world—is easier than it’s ever been. We are connected to each other virtually day and night—from cell phones and video calls to social media, texting and e-mail. While we may rely on this technological closeness throughout the year, the holidays offer a unique opportunity to sit and spend time with family members, particularly older family members, whom we don’t see on a regular basis. This face-to-face time provides a chance to connect, catch up, and observe behaviors that may go undetected over the phone or through e-mail. Certain changes in these behaviors from year to year may indicate a need for long-term care.

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Monday 12/05/2016
3 ways to plan ahead for the 2017 tax season
Updated: December 06, 2016 - 2:31 am

(BPT) - With the tax season approaching, now is the time to start thinking about creating a strategy to help maximize tax refunds in the year ahead. From the passage of the Protecting Americans from Tax Hikes (PATH) Act to the increase in health insurance penalties, here are a few items to keep in mind before the IRS begins accepting tax returns.

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Friday 12/02/2016
Maintaining Your Health At Work
Updated: December 03, 2016 - 2:31 am

(NAPSI)—Researchers say that when it comes to keeping healthy, too many Americans are sitting down on the job. That is, the average worker spends 13 hours a day in a seated position. Leading such an inactive lifestyle can increase your risk of diabetes, cardiovascular disease and cancer.

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Wednesday 11/30/2016
New wrinkles in tax strategies could help smooth your year-end planning
Updated: December 02, 2016 - 2:31 am

(BPT) - As 2016 enters its final weeks, it’s a good time for year-end tax planning strategies — including some new wrinkles:

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Many Working Mothers Can't Afford Their Health Insurance Deductibles
Updated: December 01, 2016 - 2:31 pm

(NewsUSA) - Sponsored News - Working mothers have a lot on their plate. In addition to their professional responsibilities, they are often in charge of numerous household decisions, including choosing their family's health care plan. However, nearly half (49 percent) of working mothers would not have enough money to cover their health insurance deductible if they needed to do so today, according to a recent survey from Aflac and Working Mother magazine.

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Tuesday 11/29/2016
5 insights into the Asian-American financial experience
Posted: November 29, 2016

(BPT) - Prudential’s 2016 Asian-American Financial Experience surveyed more than 2,000 self-identified Asian Americans. Prudential’s survey found that this group — one of the fastest growing population segments since 2000 — places a higher priority on family-related financial goals relative to the U.S. general population. While median assets reported by Asian-American respondents are approximately $100,000 higher than the U.S. general population — both groups face the same financial challenges, such as saving for retirement and managing household budgets. Here are five useful insights from the research survey:

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Hispanics at the forefront of digital banking trends
Updated: December 07, 2016 - 2:31 am

(BPT) - With a population of more than 55 million and estimated buying power of over $1.5 trillion, Hispanics in the United States are continuing to shape economic trends; however, as new research finds, they’re shaping digital trends as well.

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Tuesday 11/22/2016
Creating desirable jobs by getting back to the basics
Updated: November 30, 2016 - 2:31 am

(BPT) - When it comes to hiring and retaining employees, companies are always looking at new alternatives to build their staffs. However, new research shows that when it comes to attracting top talent, many professionals prefer a return to the basics, meaning stable employment with competitive base pay with traditional medical and retirement benefits are key.

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Monday 11/21/2016
5 steps for happy holiday spending
Updated: November 22, 2016 - 2:33 am

(BPT) - For many families, holiday shopping may lead to a home full of toys, closets stuffed with today’s trends, and tech-savvy games and devices, some of which will be loved for months, while others will be tossed aside before they've even been paid for. Worse yet, if you use a credit card for the gifts you purchase and you cannot pay it off when the bill comes in, you'll actually be spending a lot more than you may realize.

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Are Soft Skills More Valuable Than Academic Skills In The Workforce?
Updated: November 22, 2016 - 2:33 am

(NAPSI)—From preschool through college, teachers are instructed to build students’ academic skills, like reading, writing and arithmetic. However, students leave the classroom untested for many skills that are directly applicable to one’s career. Soft skills may not be “graded,” but they can make or break your career.

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Friday 11/18/2016
Tax Law Changes Mean Refund Delays Will Affect Millions of Holiday Shoppers
Updated: November 19, 2016 - 2:31 pm

(NewsUSA) - For many gift buyers, the tax refund is that extra paycheck that arrives just in time to pay off holiday bills. However this year, new provisions under the PATH - Protecting Americans from Tax Hikes - Act will impact early tax season refund timing. For tax returns that include the Earned Income Tax Credit (EITC) and/or the Additional Child Tax Credit (ACTC), the IRS will issue your refund no earlier than February 15, 2017. Last year, over 26 million Americans received EITC, meaning this change could surprise many who typically plan to get their refund early in the year.

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The Magic Number for Millennials: $51,000
Updated: December 06, 2016 - 2:31 pm

(NewsUSA) - Sponsored News - What does it take to make a millennial happy? At least $51,000 a year in income, for starters.

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Thursday 11/17/2016
Enrich Your Kids Academically Next Summer
Updated: November 18, 2016 - 2:31 am

(NAPSI)—If you know smart, high-achieving high school students who are looking for a unique, fun and challenging way to spend part of their summer, they may want to consider Yale Young Global Scholars, a program administered by Yale University. The Yale Young Global Scholars (YYGS) program offers an academic enrichment and leadership development experience that enables high school students to explore an interdisciplinary curriculum, meet peers from around the world and get a taste of college life. The highly selective, two-week program is held on Yale’s campus in New Haven, Connecticut. Need-based scholarships are available, and high school sophomores and juniors (or international equivalent) from all financial backgrounds are encouraged to apply. The application deadline is January 31, 2017.

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Top Tips For Medicare Open Enrollment
Updated: November 18, 2016 - 2:31 am

(NAPSI)—It’s that time again—Medicare Open Enrollment season. From now until December 7, anyone over 65, or those turning 65 in 2017, can enroll in Medicare health plans and prescription drug coverage.

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Wednesday 11/16/2016
Millennials' Savings Priorities? Depends on Their Sex.
Updated: November 16, 2016 - 2:31 pm

(NewsUSA) - NewsusaInfographic - One of the biggest differences between millennial men and women when it comes to saving? Vacations.

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Tuesday 11/15/2016
Easy DIY tips to save on your winter energy bills
Updated: November 23, 2016 - 2:32 am

(BPT) - Here’s what Americans have to look forward to this winter: While the south will be drier and warmer, the northern U.S. can expect “wetter, cooler conditions,” predicts the National Oceanic and Atmospheric Administration (NOAA).

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Combat Out-of-Pocket Costs With Cancer Insurance
Updated: November 15, 2016 - 2:31 pm

(NewsUSA) - Sponsored News - Almost everyone knows a friend or family member whose life has been touched by cancer -- it can be an unpredictable and distressing disease that can change your life in an instant.

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Monday 11/14/2016
How Millennials Are Saving More Money Than Past Generations
Updated: November 15, 2016 - 2:31 am

(NewsUSA) - Sponsored News - Millennials may still have a way to go before totally gaining their footing as adults, but many are already better at one thing than past generations: saving money.

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Friday 11/11/2016
Encourage The Entrepreneurial Spirit At Work
Updated: November 12, 2016 - 2:31 am

(NAPSI)—To achieve an entrepreneurial culture, experts advise leaders to empower their employees to act as entrepreneurs within their organization.

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Thursday 11/10/2016
When bad health hits, look to this financial tool
Updated: November 18, 2016 - 2:31 am

(BPT) - Working hard may take a toll on your health. But what are your options when your work pays the price for your bad health?

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Monday 11/07/2016
5 Steps to Selecting the Right Medicare Plan
Updated: November 08, 2016 - 2:31 am

(NewsUSA) - Sponsored News - For people with Medicare, it's time to select a 2017 Medicare plan. The Medicare Advantage and Prescription Drug Plan annual enrollment period runs from Oct. 15 to Dec. 7. It's the time to research your options and select the plan that best fits your health needs and budget.

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Alzheimer's Disease: Planning For An Unknown Future
Updated: November 08, 2016 - 2:31 am

(NAPSI)—There are currently 5.4 million Americans1 who have Alzheimer’s disease, and as the U.S. population ages, many more individuals are likely to be diagnosed. It’s estimated that the number of people age 65 or older with Alzheimer’s disease will increase as much as 40 percent by 2025 and triple by 2050,2 barring any medical breakthroughs to prevent or cure the disease.

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