Laredo's Bargain Book: Money And Finance

Friday, October 18, 2019

Money And Finance

Top Story

6 Tips to Celebrate Within Your Means This Holiday Season

(StatePoint) For many families, the holiday season is the most expensive time of year. Americans spent over $707 billion dollars during the 2018 holidays, according to the National Retail Federation, and it would be no surprise for spending to increase in 2019.

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

Wednesday 10/16/2019
Explore Work With Confidence
Posted: October 16, 2019

(NAPSI)—With unemployment at a 50-year low, companies are eager to draw talent from a diverse pool of job seekers, and organizations have recognized the inherent value in a diverse workforce that includes qualified employees with disabilities.

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Tuesday 10/15/2019
Study Shows Gift Cards Can Give A Boost To Small Businesses
Updated: October 17, 2019 - 2:44 am

(NAPSI)—If you own or run any of America’s nearly 31 million small businesses, recent research reveals gift cards can be a real gift to your bottom line. According to a 2019 Small Business Gift Card Study commissioned by First Data, now Fiserv, gift card programs help small business owners bring in more sales, attract new customers, and build relationships with their customers.

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Saturday 10/12/2019
Are Millennials Paying Enough Attention to Their Credit Scores?
Posted: October 12, 2019

(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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Friday 10/11/2019
Investing tips for smart and steady growth for Texas residents
Updated: October 12, 2019 - 3:14 am

(BPT) - From mobile deposits to apps that transfer money in the blink of an eye, financial technology (or fintech) is disrupting the financial marketplace in new ways. The latest example is an innovation in the annuity marketplace that expands online access to a conventional retirement product, offering a smart tool for savers, even those years out from retirement.

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Wednesday 10/09/2019
Feeling Ready For Work? This Could Be Your Year
Updated: October 11, 2019 - 3:13 am

(NAPSI)—Whether you’re looking for a job for the first time or trying to return to the workforce, you don’t have to do it alone.

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As The Cost Of Long-Term Care Increases, It Pays To Know Your Options
Updated: October 12, 2019 - 3:14 am

(NAPSI)—According to AARP, there are 10,000 people turning 65 every day—a figure that is expected to be consistent until 2030. As these Americans continue to prepare for and enjoy their retirement years, more and more are factoring the cost of aging into their financial plans. For good reason: The Administration for Community Living, a part of the Department of Health and Human Services, estimates about seven in 10 people turning 65 will need some type of long-term care services either at home, in their community, or in a facility.

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Credit Application Denied? Here’s What to Do Next
Posted: October 09, 2019

(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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Monday 10/07/2019
5 vehicle upgrades worth the investment
Updated: October 18, 2019 - 2:51 am

Buying a car, truck or SUV is a big investment. To protect that investment, most people make sure they keep up with the necessary maintenance and safety recalls, as well as getting sufficient insurance coverage.

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Wednesday 10/02/2019
Key Questions to Help You Choose a Medicare Plan
Posted: October 02, 2019

(NewsUSA) - If you're one of 56 million Americans eligible for Medicare, it's important to understand coverage options when selecting your health plan for 2020.

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Tuesday 10/01/2019
Free yourself from living paycheck to paycheck
Updated: October 02, 2019 - 3:37 am

(BPT) - About 80% of Americans live paycheck to paycheck, often struggling between paydays. If this is a challenge for you, here are three easy ways that can help you get from one paycheck to the next with ease, avoid financial pitfalls, and even come out ahead.

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Do You Need Flood Insurance? The Answer Is A Resounding “Yes”
Updated: October 03, 2019 - 2:47 am

(NAPSI)—Floods are the most common and costly natural disasters occurring in the United States today. They can impact anyone, anywhere, at any time. Yet only 15 percent of Americans choose flood insurance, leaving countless properties uninsured. Just one inch of water can cause thousands of dollars in damage.

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Do You Need Flood Insurance? The Answer Is A Resounding “Yes”
Updated: October 06, 2019 - 3:17 am

(NAPSI)—Floods are the most common and costly natural disasters occurring in the United States today. They can impact anyone, anywhere, at any time. Yet only 15 percent of Americans choose flood insurance, leaving countless properties uninsured. Just one inch of water can cause thousands of dollars in damage.

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Monday 09/30/2019
H&R Block can offer solutions to taxpayers who have or will receive an IRS letter or notice
Updated: October 18, 2019 - 2:51 am

(BPT) - In addition to its typical cadence of taxpayer correspondence, the IRS has also begun sending roughly 10,000 letters to taxpayers with virtual currency transactions that may have been unreported or misreported, as well as another tranche starting in late September to taxpayers with estimated tax obligations. This is in addition to the 720,000 IRS letter audits, 2 million math-error notices, 3 million underreported income letters, and 13.2 million letters on delinquent accounts and liens and levies that the IRS sends annually. While the cryptocurrency and estimated tax notices may garner extra attention, H&R Block (NYSE: HRB) cautions taxpayers that the volume of IRS letters and notices show that the possibility of needing to interact with the IRS after the April tax filing deadline is much more common than taxpayers realize.

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Thursday 09/26/2019
Tips to Get Empowered and Take Control of Your Financial Life
Posted: September 26, 2019

(StatePoint) Consumers face major financial decisions at every stage of life. But experts say a basic understanding of financial concepts can help you make better decisions related to money management and reduce your stress at the same time.

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Friday 09/20/2019
Estate Planning: Most People, Alas, Fail to Make Crucial Decisions
Updated: October 12, 2019 - 3:12 am

(NewsUSA) - How best to put this delicately?

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Thursday 09/19/2019
With tax extensions up, October tax deadline nears
Posted: September 19, 2019

(BPT) - The IRS projected that more people than ever before — 14.6 million — would file an extension. That estimate may have been conservative, given how tax reform influenced people to delay filing as they figured out what tax reform meant for them.

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Would you like the power to own your own home? Here are 4 steps to follow if you want to make your dream a reality
Posted: September 19, 2019

(BPT) - For many people, a monthly mortgage payment may be manageable, but their biggest obstacle is the upfront expense — namely down payment and closing costs — of buying a home. In fact, according to the Bank of America Spring 2019 Homebuyer Insights Report, 69% of prospective homeowners say saving enough money for a down payment and closing costs is the biggest challenge they face.

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7 Traits to Look for in a Financial Planner
Posted: September 19, 2019

(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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Saturday 09/14/2019
How to Protect Yourself From Financial Fraud
Posted: September 14, 2019

(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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How New Tech Could Help You Manage Your Money
Posted: September 14, 2019

(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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Thursday 09/12/2019
Yes, There May Be A Positive to Come Out of the Student Debt Crisis
Posted: September 12, 2019

(NewsUSA) - Are all those stories about crippling student debt having an effect on college campuses? Just ask post-Millennials now trying - albeit not always successfully - to avoid being saddled with the same heavy burden of debt as their predecessors.

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Could You Pay Your Mortgage on One Income? Here’s What to Know
Posted: September 12, 2019

(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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Wednesday 09/11/2019
Meeting The High Cost Of Higher Education
Updated: September 14, 2019 - 2:33 am

(NAPSI)—If you or someone you care about is—or hopes to be—a college student soon, a few facts and stats may prove educational:

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Exciting Changes Coming To The Advanced Placement Program
Updated: September 14, 2019 - 2:35 am

(NAPSI)—The Advanced Placement (AP) Program gives students a chance to experience college-level classes in high school and opens the door to earning college credit before they ever set foot on campus. Students get to dig deeper into subjects they love, while building the skills and confidence they need to succeed in college. There are more statewide and system-wide AP credit policies than ever; over 99 percent of colleges have an AP credit policy in place.

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Adulting: Financial Tips for Gen Z
Posted: September 11, 2019

(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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Friday 09/06/2019
Study Shows College Kids Hide Debt From Parents
Updated: September 10, 2019 - 2:56 am

(NAPSI)—For college freshmen looking to manage their own finances—often for the first time—heading to college can often mean a lot of unexpected expenses and even new debt.

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How to Prepare Young Adults for Financial Independence
Posted: September 06, 2019

(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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Thursday 09/05/2019
For A Purpose-Driven ROI, Partner With Those On The Front Lines
Updated: September 10, 2019 - 2:56 am

by Rick Shadyac

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Tuesday 09/03/2019
A New Way to Benefit From the Competition For Your Money
Updated: October 12, 2019 - 3:12 am

(NewsUSA) - You win.

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Friday 08/16/2019
What Money Tips Would You Tell Your Younger Self?
Posted: August 16, 2019

(StatePoint) As we age, we sometimes regret those life lessons that might have served us better when we were younger. If you could roll back the years, what would you tell your younger self about money? 

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Thursday 08/15/2019
Ticket To Work Helps People Regain Independence
Updated: August 20, 2019 - 2:38 am

(NAPSI)—Millions of Americans get Social Security disability benefits yet want to work. They may be glad to know about a federal program that can help them enter the workforce while maintaining access to benefits. Thanks to Social Security’s Ticket to Work program, free employment support services help people prepare for work, find jobs or progress in their careers.

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Monday 08/12/2019
Worried about saving for college? California is giving money to parents to help jump start their savings plan
Updated: August 20, 2019 - 2:38 am

(BPT) - If you’re like many parents, one concern at the back of your mind is whether you’ll be able to help with your children’s education costs once they graduate from high school.

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Wednesday 08/07/2019
Put Your Home To Work This Winter
Updated: August 15, 2019 - 2:44 am

(NAPSI)—Here’s an idea many homeowners may warm to: Rent out your place as a vacation home.

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Wednesday 07/31/2019
How investment in public transportation boosts the economy
Updated: October 18, 2019 - 2:51 am

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How to discuss money with your date
Updated: September 19, 2019 - 2:49 am

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Smart Ways To Save For Your Future
Updated: August 02, 2019 - 3:39 am

(NAPSI)—According to the Federal Reserve Board, four in 10 adults, if faced with an unexpected expense of $400, would either not be able to cover it or would cover it by selling something or borrowing money. If you’re ever among them, or the 78 percent of American workers who live paycheck to paycheck, you can assist yourself. It can pay to consider these six hints that can help you save:

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Wednesday 07/24/2019
Unscrupulous financial advisors undermine public trust
Updated: August 20, 2019 - 2:38 am

(BPT) - Financial advisors are supposed to help you achieve your financial goals by providing expert guidance and strategic recommendations. Most truly want to see their clients succeed and work hard in your interest. But what about when they put their interests ahead of your own? Unfortunately, unscrupulous behavior from financial advisors and brokers is more common than you might think. This results in not only financial hardship for victims, but it can undermine confidence in those entrusted to protect our most important assets.

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Tuesday 07/23/2019
Students Learn to Steer Their Farm Through Ups And Downs This Fair Season
Updated: August 23, 2019 - 2:39 am

(NewsUSA) - Although school may still be out for summer vacation, learning opportunities are all around us - even at county and state fairs.

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Students Learn to Steer Their Farm Through Ups And Downs This Fair Season
Updated: September 10, 2019 - 2:55 am

(NewsUSA) - Although school may still be out for summer vacation, learning opportunities are all around us - even at county and state fairs.

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Bringing a message of the importance of financial education to youth and community leaders
Updated: October 18, 2019 - 2:51 am

(BPT) - How do you identify future leaders? Is it GPA? Test scores? Another metric? There are all kinds of formulas to predict who among the nation’s youth will become our country's leaders. But trying to decipher them can leave you lost in a sea of analytics.

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Monday 07/22/2019
A Better Way to Buy and Own A Home
Updated: August 23, 2019 - 2:39 am

(NewsUSA) - Whether it's your first house or your fourth, buying a home is exciting - but also stressful.

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A Better Way to Buy and Own A Home
Updated: September 07, 2019 - 2:53 am

(NewsUSA) - Whether it's your first house or your fourth, buying a home is exciting - but also stressful.

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How Companies are Supporting Employees’ Financial Goals
Posted: July 22, 2019

(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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Thursday 07/18/2019
Eighty-Eight Percent of Teachers Seek Book Discounts and More
Updated: August 23, 2019 - 2:39 am

(NewsUSA) - It's undeniable that teachers are considered to be some of the most significant and respected people in our lives. In fact, about 80 percent of Americans feel strongly so, according to the Global Teacher Status Index.

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Eighty-Eight Percent of Teachers Seek Book Discounts and More
Updated: September 04, 2019 - 3:04 am

(NewsUSA) - It's undeniable that teachers are considered to be some of the most significant and respected people in our lives. In fact, about 80 percent of Americans feel strongly so, according to the Global Teacher Status Index.

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Wednesday 07/17/2019
ICO Offers Investors a Chance to Cash in on Green Energy Plan
Updated: August 23, 2019 - 2:39 am

(NewsUSA) - Interest in alternative, environmentally-friendly energy sources continues to grow, and one company, Eco Smart Energies, offers investors a unique opportunity to get in on the ground floor of green energy with a pre-sale Initial Coin Offering (ICO) at renbdo.io to raise funds for the Renewable Energy Network Based on Decentralized Organization (RENBDO) project.

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ICO Offers Investors a Chance to Cash in on Green Energy Plan
Updated: September 04, 2019 - 3:04 am

(NewsUSA) - Interest in alternative, environmentally-friendly energy sources continues to grow, and one company, Eco Smart Energies, offers investors a unique opportunity to get in on the ground floor of green energy with a pre-sale Initial Coin Offering (ICO) at renbdo.io to raise funds for the Renewable Energy Network Based on Decentralized Organization (RENBDO) project.

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5 creative ways to help pay for rising school costs
Updated: October 18, 2019 - 2:51 am

(BPT) - It’s that time of year again — back-to-school sales are starting up, and parents everywhere are preparing to send kids back to the classroom. In a recent Coinstar back-to-school survey conducted among 1,004 U.S. parents, three in five said that they felt stressed about managing school-related costs, from new clothes to all the school supplies their kids will need.

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Monday 07/15/2019
5 Tips for Managing Your Student Loan Debt
Posted: July 15, 2019

(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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