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The Union Star: Money & Finance

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Savvy Tips for Your Holiday Spending

(StatePoint) We are in the midst of the holiday season, and if you are like many people, you’ve probably already spent more than you anticipated.

  • icon Posted: December 08

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Recent Headlines

Friday 12/07/2018
Why It’s Wise To Hire Veterans With Disabilities
Posted: December 07, 2018

(NAPSI)—“Today, nearly 4 million Americans have a service-connected disability. At a time when many employers are struggling to fill positions, hiring veterans with disabilities can boost diversity and inclusion efforts,” explained Jeff Hall, national employment director for DAV (Disabled American Veterans).

Wednesday 12/05/2018
Don’t Get Snowed Under This Christmas: Tips to Spend Wisely
Posted: December 05, 2018

(StatePoint) Even after setting a holiday budget, the most wonderful time of year is often the most expensive. Experts say that this Christmas, there are new ways to make your dollar go further.

Tuesday 12/04/2018
How to Succeed in Selling Your Business
Posted: December 04, 2018

(NewsUSA) - As a larger proportion of the American population reaches retirement age, the issues of wealth transfer and asset management become even more prominent.

Monday 12/03/2018
Ultimate Life Hack for Managing Your Money after the Wedding Day
Posted: December 03, 2018

(NewsUSA) - While your love may know no bounds for your spouse, things can get a little more tricky when talking about finances.

Happiness And How Couples Spend
Updated: December 06, 2018 - 2:44 am

(NAPSI)—Quicken, maker of the best-selling personal finance software in the U.S., recently surveyed over 1,000 married adults to get a picture of their spending habits over the holidays—and to find out if spending impacts their relationship happiness.

Saturday 12/01/2018
How Much Will This Season Cost Holiday Shoppers?
Posted: December 01, 2018

(StatePoint) According to one quirky and fun annual economic indicator, the cost of holiday shopping is on the rise this year, at least according to the song “The 12 Days of Christmas.”

Thursday 11/29/2018
The Risks And Rewards Of Multilevel Marketing
Updated: December 01, 2018 - 3:09 am

(NAPSI)—Many retirees and others looking for extra income consider what’s known as multilevel marketing (MLM) or network marketing. It’s a type of direct selling where products are purchased from a company and sold through independent contractors. These contractors make commissions from what they sell, and from sales made by people they recruit.

How To Stay Comfortable During A Cold
Updated: December 01, 2018 - 3:09 am

Sponsored Advertising Content

Take Steps To Improve Your Retirement Confidence
Updated: December 01, 2018 - 3:09 am

(NAPSI)—A recent study by the Insured Retirement Institute found that only 25 percent of baby boomers believe they will have enough money in retirement and just 28 percent believe they did a good job financially preparing for their retirement years.

Five Tips For Safety
Updated: December 01, 2018 - 3:09 am

(NAPSI)—For many of us, this season is a time to celebrate the holidays with family and friends. Unfortunately, thieves take advantage of the holidays to steal packages containing gifts for loved ones or supplies needed for holiday celebrations.

Tuesday 11/27/2018
Why your business credit score matters
Updated: December 11, 2018 - 2:46 am

New exchange program introduces young adults to corporate agriculture
Updated: December 11, 2018 - 2:45 am

(BPT) - For years, the International Farm Youth Exchange Association (IFYE) has offered young adults an opportunity to travel and learn about agriculture in a different country. Now, global agribusiness Syngenta is taking the program a step further by introducing a corporate component to the experience. This one-of-a-kind approach to agricultural education gives young adults the opportunity to job shadow in corporate settings as well as on farms — a practice that gives participants valuable industry insight as they prepare to enter into the workforce themselves.

Wednesday 11/21/2018
How To Give The Most Requested Gift This Holiday Season
Updated: November 27, 2018 - 2:54 am

(NAPSI)—According to InComm’s 2018 Holiday Index, over 211 million U.S. consumers will be shopping for holiday gifts this year, and gift cards are this season’s most requested gift. If you’ll be among those giving a gift card, these three wrapping ideas can make them even more special to your recipient.

Friday 11/16/2018
Pepperlane Gives Moms Tools, Network To Build Their Own Business
Updated: November 20, 2018 - 2:31 am

(NAPSI)—Mothers want to do it all, but between work, children’s schedules and home life, you can be left scrambling to keep all the balls in the air. For most, there are just two options: work full-time or stay at home to care for your children. A new company, Pepperlane, is working to give mothers another option—so you don’t have to choose between professional passions and being home for your families.

Are You Taking Full Advantage of Your Workplace Benefits?
Posted: November 16, 2018

(StatePoint) Millennials are a generation with unique financial challenges. Seven in 10 possess student loan debt, according to the Institute for College Access and Success’ “12th Annual Report, Student Debt and the Class of 2016.” Combined with car loans, housing expenses and entry level salaries, it’s no surprise to learn that many young workers lack the savings necessary to cover unexpected medical costs.

Wednesday 11/14/2018
3 Ways Military Families and Veterans Can Stretch Their Budget
Posted: November 14, 2018

(StatePoint) “How can we make our money go further?” The eternal question being asked by families everywhere, every day. While military families are no strangers to the same budgeting dilemmas as everyone else, the good news is that there are plenty of ways that our servicemen and women, veterans and their families, can stretch their dollar and live more affordably.

Tuesday 11/13/2018
Medicare Plans Offer More Health And Wellness Benefits for 2019
Posted: November 13, 2018

(NewsUSA) - Beginning next year, Medicare Advantage plans will be allowed to cover a broader array of health-related services that may help people with Medicare improve their health.

Seasonal Work Can Bring The Gift Of A Great Career
Updated: November 17, 2018 - 2:34 am

(NAPSI)—With historically low unemployment and a strong economy, retailers are expecting a huge shopping season this year, with the National Retail Federation forecasting holiday retail sales in November and December—excluding automobiles, gasoline and restaurants—to increase between 4.3 and 4.8 percent over 2017. That compares with an average annual increase of 3.9 percent over the past five years.

Monday 11/12/2018
Digital Cash Can Aid Marital Money Management
Posted: November 12, 2018

(NewsUSA) - You may be happy with your honey, but the happiest of couples can argue over money.

Avoid the Naughty List: Don’t Let the Holidays Ruin Your Credit
Posted: November 12, 2018

(StatePoint) Looking for the “perfect gifts,” paired with enticing retail discounts and deals, can pressure holiday shoppers to spend more than they can afford. As a result, consumers may max out credit card limits or miss payments, negatively affecting credit scores. In addition, store credit cards may offer instant discounts that are tempting at the register -- but that new application could decrease your credit score.

Monday 11/05/2018
Postal Service Tips For A Less-Stressed Holiday
Updated: November 09, 2018 - 2:35 am

(NAPSI)—The U.S. Postal Service plans all year for the holiday season. With more than 240 years of experience delivering the holidays, the Postal Service and local postal elves are ready to make this year the best one yet. Here are some tips designed to help postal customers have a happier, less-stressed holiday by getting those greeting cards and packages delivered on time and intact.

Friday 11/02/2018
Bring Home Some Wild Beauty
Updated: November 14, 2018 - 2:33 am

(NAPSI)—The days of formal, buttoned up and by the book, it seems, are over. The new trend is for easy breezy, free-spirited, casual. An attitude of latitude! From lifestyle to fashion to flowers, today’s beauty is in the looser details. You might say it’s perfection in imperfections.

Making Sense Of Cryptocurrencies
Updated: November 14, 2018 - 2:34 am

(NAPSI)—Social and traditional media have been abuzz with articles and information about the rising phenomenon of digital currencies. But what does it all mean and should you buy in?

Thursday 11/01/2018
Tax franchise owners give back to Nashville [Video]
Updated: December 11, 2018 - 2:46 am

Veterans and Medicare: Myths Debunked
Updated: November 08, 2018 - 5:43 pm

(NewsUSA) - For military veterans with Medicare and their caregivers, the Annual Election Period (AEP) for Medicare Advantage and Prescription Drug Plans is a critical time. You'll want to assess that your health care coverage to ensure you select the best possible health plan to cover your doctor visits, medical equipment, medications and other needs, within your budget in the coming year. To help you with this process, which runs from Oct. 15 to Dec. 7, let's set the record straight on four common misperceptions about veterans and Medicare.

Six Steps To Help Students Get Into, And Pay For, College
Updated: November 08, 2018 - 5:03 am

(NAPSI)—Getting into college can seem complicated, even overwhelming—but help is available.

Wednesday 10/31/2018
Remember your savings? Here's why you should make them work for you
Updated: December 11, 2018 - 2:46 am

(BPT) - A generation ago, Americans were savers. When the Greatest Generation and Boomers needed to make a major purchase or wanted to take a trip, they put money aside. And then they saved some more. Putting money aside each week or month was an ingrained habit, perhaps as an outgrowth of people living through the Depression and World War II.

Monday 10/29/2018
The changing face of the American student: The growth of online learning
Updated: December 11, 2018 - 2:46 am

(BPT) - Today’s college students are just as likely to be moms and dads themselves, full-time and part-time employees or members of the U.S. armed forces. Many students juggle work and family, according to the National Center for Education Statistics, which found that 62 percent of students work full- or part-time, and 29 percent have at least one dependent. Needing flexibility and variety in course offerings, more students are turning to online learning to design a path that fits their lifestyle.

Wednesday 10/24/2018
6 tips to protect yourself from an immigration scam
Updated: December 11, 2018 - 2:46 am

(BPT) - Navigating the United States' immigration process is not without its challenges, especially for those who are learning to speak English. From the anxiety of trying to decide whether you qualify for a green card or another visa, to navigating the various information sources and the lingering fear that something was missed, there's always something to consider.

A senior-year checklist to help parents and students feel prepared for college
Updated: December 11, 2018 - 2:46 am

(BPT) - As your child is wrapping up their high school career and making plans for college, there is often a mix of emotions for everyone involved. On one side, you and your student may be feeling a sense of pride and excitement for the ambitious plans ahead. However, as with any transition, graduation may come with some anxiety because of the unknown. One of these worries might be whether your child is getting into the right college program that will help them find a career worth the time, money and effort invested.

Tuesday 10/23/2018
Study Shows School Vouchers Actually Save Money
Updated: November 08, 2018 - 5:02 am

(NAPSI)—There could be good news for taxpayers—especially those who are also parents of school-age kids. Since the creation of the first school voucher program in 1990, 42 analyses have examined the fiscal affect of school choice on taxpayers. While public officials often fear the fiscal effects of these programs on district schools, concerned that because of high fixed costs, school choice programs cause harm, the researchers found school choice programs actually save money or are at least revenue neutral. None have had a negative fiscal impact.

Monday 10/22/2018
The Value of Prescription Drug Benefits for Medicare Enrollees
Updated: November 08, 2018 - 5:43 pm

(NewsUSA) - If you are eligible for Medicare, prescription drug benefits should be an important consideration when it comes to choosing among various Medicare coverage options.

A New Kind Of Higher Education
Updated: November 08, 2018 - 5:03 am

(NAPSI)—Colleges across the country are adapting to a new landscape in which prospective students are more carefully scrutinizing their choices. High schoolers are savvier than ever—more than a third now apply at nine or more colleges, according to the National Association for College Admission Counseling. Applying to 15 or 20 schools is not uncommon, counselors say.

Monday 10/15/2018
What You Need to Know This Medicare Enrollment Season
Updated: November 16, 2018 - 2:32 am

(NewsUSA) - It's that time of year when people with Medicare review their health insurance choices and enroll in a Medicare Advantage or Prescription Drug plan for the coming year.

Wednesday 10/10/2018
How to get more from your savings
Updated: November 08, 2018 - 5:43 pm

(BPT) - Many options exist when it comes to investing, and the variety of choices can be overwhelming. Whether it’s stocks, capital investments or the latest investment tool, each seems to come with its own set of rules and specialized terms. But one tool stands out as simple, safe and accessible to the average consumer without a lot of bells and whistles: the Certificate of Deposit.

Tuesday 10/09/2018
Additional Financial Protection for Your Family: What to Know
Updated: November 08, 2018 - 5:03 am

(StatePoint) It is hard to think about death, but organizing your financial paperwork, having a will, making sure you have an appropriate amount of life insurance coverage and even writing out funeral plans, can help ensure that loved ones left behind have a little less to worry about during a difficult time.

Monday 10/08/2018
Could Saving With An Online Bank Help Your Money Grow Faster?
Updated: November 08, 2018 - 5:03 am

(StatePoint) While there’s no doubt that putting money aside with each paycheck is an essential component to a healthy financial future, it’s important to keep in mind that not all savings accounts are going to give you the same pay back or benefits.

Sunday 10/07/2018
5 financial tips for millennials in the Southeast
Updated: November 08, 2018 - 5:43 pm

(BPT) - Your financial health impacts your life, not only in the way you live today and in the future, but in the legacy you leave behind to those you love the most. Whether you’re paying off student loans, buying spin classes or caring for an aging loved one, the way you live today and in the future is shaped by your financial health.

Thursday 10/04/2018
Four Ideas For Health Care Planning In Retirement
Updated: November 08, 2018 - 5:02 am

(NAPSI)—The Employee Benefit Research Institute estimates that a typical 65-year-old couple will spend a total of $265,000 in health care costs over the remainder of their lives. This staggering amount of money has the potential to derail even the best-laid retirement plans.

Establishing A Competitive Edge: SMB Spending Trends That Create A Competitive Advantage
Updated: November 08, 2018 - 5:02 am

by Anthony Bradley

Wednesday 10/03/2018
Smart Millennial Uses Down Payment Assistance for New Home
Updated: November 13, 2018 - 2:30 am

(NewsUSA) - Until this summer, Matt Berna had an unusual tradition: Every year, he moved to a new apartment. After doing this for 9 years, the 27-year-old inside sales professional decided enough was enough.

Tuesday 10/02/2018
From Chores to Student Loans: Teaching Kids Money Basics
Updated: November 08, 2018 - 5:03 am

(StatePoint) For kids, October is a big month because it includes the one night where costumes are encouraged and begging for candy is expected. But it’s also National Financial Awareness Month, and amazingly, many teenagers will graduate high school this year with little knowledge about how finances work, flying blind into a hurricane-sized storm of potential debt, bad loans, bankruptcy, and no savings or retirement.

Monday 10/01/2018
Tips for Taking Control Over Your Financial Destiny
Updated: November 08, 2018 - 5:03 am

(StatePoint) Whether you’re a novice or experienced investor, there are steps you can take in order to take control of your financial destiny, and you don’t necessarily need a professional financial planner to do so, say some experts.

Monday 09/24/2018
How to Get the Most Out of Your Credit Card
Updated: November 08, 2018 - 5:03 am

(StatePoint) When it comes to purchases, Americans overwhelmingly prefer credit cards to cash or debit cards, yet few review the rewards and benefits that come with their card. This means millions of Americans may be missing out on experiences, cash back or other benefits that credit cards offer.

Friday 09/21/2018
Four Tips For Protecting Your Family's Financial Future
Updated: November 08, 2018 - 5:02 am

(NAPSI)—While no one really likes to talk about the scenarios in which life insurance becomes necessary, having these conversations and taking the required steps to insure your legacy is the best way to protect loved ones’ financial futures—and is especially important as you near retirement.

Monday 09/17/2018
How one state is fighting food waste
Updated: November 08, 2018 - 5:02 am

(BPT) - Up to 40 percent of food grown, processed and transported in the United States is never eaten, yet one in eight Americans suffers food insecurity. The average four-person family wastes $1,500 a year on food.

Friday 09/14/2018
Life Insurance: What Everyone Needs to Know
Updated: November 08, 2018 - 5:03 am

(StatePoint) No matter if you’re single or married, in your twenties or your forties, a parent or not, life insurance coverage is important in ways you may not realize, and costs less than you’d expect. And experts now stress that employer-sponsored coverage typically isn’t sufficient to cover most people’s needs.

Wednesday 09/12/2018
Teaching kids about money management at any age and every age
Updated: November 08, 2018 - 5:03 am

(BPT) - As a parent you understand the importance of successful money management firsthand. Every bill must be accounted for and budget balanced. It’s the only way you can manage your household and save for those bigger events in life. Your kids, on the other hand? They are not quite so money savvy and you’d like to change that. After all, smart money management will help them throughout their entire lives. So how do you teach these skills to your kids?

Monday 09/10/2018
Finding the support teachers need during the school year
Updated: November 18, 2018 - 2:38 am

(BPT) - The school year has begun, and while the back-to-school expenses of many parents are done for the summer, students will still have ongoing needs throughout the year. But parents are not the only ones who spend their own hard-earned cash to make the school year a success, and they are not the only ones that can expect the costs to continue throughout the year.