Laredo's Bargain Book: Money And Finance

Wednesday, March 20, 2019

Money And Finance

Top Story

Survey Finds Debt Reduction Top Financial Priority

(NAPSI)—A recent survey, conducted by New York Life, found that 72 percent of parents identify debt reduction as a top financial priority. That number is even higher for millennial parents, with 80 percent planning to focus on debt reduction this year.

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Recent Headlines

Friday 03/15/2019
Surety Bond Producers Offer Sound Advice for Construction Firms
Posted: March 15, 2019

(NewsUSA) - Commercial construction is a competitive business, and to succeed, contractors need to find the best support and advice possible.

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Gini's "Blockchain with A Soul" Is Saving Capitalism
Posted: March 15, 2019

(NewsUSA) - "Violent revolutions are inevitable when economic and political conditions become intolerable to the masses," says Ferris Eanfar, CEO of the Gini Foundation. With the rapid rise in wealth inequality and the escalation of economic and social conflicts in recent years, it appears Mr. Eanfar's predictions are coming true.

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8 Questions to Ask About a Financial Advisor's Certifications
Posted: March 15, 2019

(StatePoint) Understanding abbreviations is essential, whether you’re texting “LOL” to a friend or asking guests to “RSVP” to a party. In a professional setting, they can provide useful information about an individual’s services and qualifications.

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Saturday 03/09/2019
Tax Season Tips to Avoid Scammers and Robocalls
Posted: March 09, 2019

(StatePoint) It’s tax season. The time of year when phone scammers get particularly aggressive trying to trick you out of your hard-earned money. And scam calls and robocalls are a growing problem for everyone. Here are a few tricks to help you dodge scammers and give you peace of mind.

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Friday 03/08/2019
Tax refunds and tax prep fees shouldn’t be a surprise [Video]
Posted: March 08, 2019

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Why a Roth IRA May Be Ideally Suited for Millennials
Posted: March 08, 2019

(NewsUSA) - When it comes to saving, a Roth IRA may be a Millennial's best friend.

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Wednesday 03/06/2019
New Report Reveals Gaps in Private School Teachers’ Training
Updated: March 13, 2019 - 2:36 am

(NAPSI)—There are more than 34,000 private schools educating more than 4.9 million K−12 students in America, according to the most recent federal data. And as school choice programs that help families afford to send their children to private schools continue to expand across the U.S., those numbers will only continue to grow.

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Study Shows Link Between Financial Confidence And Money Talk; Why You Should Talk Money With Your Honey
Updated: March 13, 2019 - 2:36 am

(NAPSI)—Here’s something to think about the next time you’re with your significant other: money.

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Tuesday 03/05/2019
Four Ways To Remain Mentally Sharp In Retirement
Updated: March 07, 2019 - 2:30 am

(NAPSI)—Many retirees share a fear of gradually losing their ability to think as clearly as they used to or remember simple information such as other people’s names. And while everyone has the occasional “senior moment,” medical research indicates that aging by itself is generally not a cause of cognitive decline.

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Monday 03/04/2019
Smart Money Tips if You Are Living Paycheck to Paycheck
Posted: March 04, 2019

(StatePoint) Nearly four in five American workers are now living paycheck to paycheck, according to Career Builder. If that describes you, experts say there are steps you can take to live more comfortably and securely.

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Friday 03/01/2019
Protect Your Finances When Caring for Kids and Elderly Relatives
Posted: March 01, 2019

(StatePoint) Despite actively saving and preparing for retirement, members of the sandwich generation have in large numbers been unable to build robust emergency savings and retirement account balances, primarily due to the strain of financially supporting other family members, according to a new survey from The PNC Financial Services Group.

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Wednesday 02/27/2019
Tips To Avoid A Multigenerational Home Energy Crisis
Updated: March 02, 2019 - 2:32 am

(NAPSI)—Is your family suffering from a multigenerational home energy crisis? If so, you’re not alone. Multigenerational households are on the rise, with a record one in five Americans living in homes shared by multiple adult generations, causing various domestic growing pains—including skyrocketing heating and cooling bills.

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Tuesday 02/26/2019
Tips to Get Control of Your Spending and Budget Effectively
Posted: February 26, 2019

(StatePoint) Finances can be a significant source of stress in your life, especially if you do not have a clear picture of your income and expenses.

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How to Find the Right Financial Planner to Help Meet Your Goals
Posted: February 26, 2019

(StatePoint) Bringing all the pieces of your financial life together, from budgeting to planning for retirement to saving for education to managing your taxes and insurance coverage, is a challenging and sometimes intimidating task.

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Monday 02/25/2019
One Small House in Boise, One Big Step in Homeownership
Posted: February 25, 2019

(NewsUSA) - There came a point in Meghanne's 29-year-old life when she decided it was time to "be an adult and buy a house." And as a loan officer, she wanted to practice what she preached about investing in homeownership.

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Saturday 02/23/2019
Is a Tax Refund the Boon You Think It Is?
Posted: February 23, 2019

(StatePoint) A tax refund may sound like a boon, but financial experts say that you may be able to make more over the course of the year by checking your withholdings and putting any additional funds into a savings account over the course of the year.

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Friday 02/22/2019
Some of the Biggest Misconceptions About Life Insurance
Posted: February 22, 2019

(NewsUSA) - So much for fancy cars, houses and jewelry.

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Tuesday 02/19/2019
Millennials Most “At Risk” When It Comes To Life Insurance
Updated: February 22, 2019 - 2:58 am

(NAPSI)—The Millennial generation is now the least prepared for unexpected life events due to a lack of adequate life insurance coverage, according to the latest edition of New York Life’s Life Insurance Gap survey. The survey asks Americans to compare how much life insurance they need, based on living expenses and plans for their loved ones, with the amount of life insurance protection they have. Millennials as the most exposed contrasts with 2013 study, which found Gen X under the most pressure.

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Coalition Vows To Reform Dark Underbelly Of Timeshare Industry
Updated: February 26, 2019 - 2:34 am

(NAPSI)—The timeshare industry is infamous for perceived high-pressure sales techniques, for locking millions of people in perpetuity with noncancelable contracts, and for practices that can make it difficult for owners to vacation where and when they want. Dozens of lawsuits have alleged that consumers are subject to fraud, deception, preying on the elderly, and violations of numerous local, state and federal regulations. Now, the Coalition to Reform Timeshare (CRT) has been launched to advocate for the rights of over 9 million timeshare owners in the U.S.

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Saturday 02/16/2019
Tidying Up Your Finances
Posted: February 16, 2019

(StatePoint) The cultural phenomenon sparked by professional organizing consultant Marie Kondo has motivated millions worldwide to declutter. While cleaning out your closet and making a financial plan may be two very different things, tidying up your finances can also “spark joy.”

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Friday 02/15/2019
Answering your questions about tax reform, delayed tax refunds [Video]
Posted: February 15, 2019

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Wednesday 02/13/2019
Talking money: 10 financial tips for relationships
Posted: February 13, 2019

(BPT) - In a recent survey, one in five Americans reported they have never had a serious conversation about money with their significant other, and less than half said they’re comfortable discussing finances with their partner.

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Online Conference Connects Global Startups and Investors
Posted: February 13, 2019

(NewsUSA) - The current startup business environment today is full of opportunities for investors who want to get in on the global economy.

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Tuesday 02/12/2019
Five Tips To Help Kickstart Your Savings
Updated: February 14, 2019 - 2:44 am

(NAPSI)—Make the most of your money this year by following these five suggestions from Erin Lowry, personal finance expert, author, and founder of

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Thursday 02/07/2019
Women Say They're Ready to Put Their Money to Work for Them
Posted: February 07, 2019

(NewsUSA) - More women than ever before are realizing they need to make their money grow for them.

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Wednesday 02/06/2019
An IRS Incentive To Save For Retirement
Updated: February 09, 2019 - 2:50 am

(NAPSI)—Tips for claiming the Saver’s Credit:

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Friday 01/25/2019
Big Swings in The Market Haven't Dampened People's Optimism
Updated: March 16, 2019 - 2:31 am

(NewsUSA) - Despite the recent wild swings in the stock market, most people predict they'll be better off financially this year.

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It’s Not Too Hard For Parents To Choose
Updated: February 01, 2019 - 2:36 am

by Andrew Campanella

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Thursday 01/24/2019
Surety Bonds: What They Are and Why They Matter
Updated: March 09, 2019 - 2:49 am

(NewsUSA) - A surety bond, as the name suggests, means a sure thing - at least when it comes to the financial security of construction projects. Simply put, surety bonds are similar to loans from a bank, and construction contractors who qualify for them show owners their ability to do the job right. Bonds bring successful outcomes.

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Wednesday 01/23/2019
Pets-Come-First Trend Unleashes Happy Results For Homeowner
Updated: March 08, 2019 - 2:44 am

(NewsUSA) - Some dog lovers show their puppy love with fancy dog food, a special spot on the sofa or toys and outfits.

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Monday 01/07/2019
Join The School Choice Celebration
Updated: January 09, 2019 - 2:39 am

(NAPSI)—Across the country, millions of students, teachers, parents and community leaders are gathering at more than 40,000 events and activities to celebrate National School Choice Week, January 20−26, though the idea of school choice can be something to be celebrated all through the year.

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Saturday 01/05/2019
Tips to Tackle 2019 With Greater Financial Confidence
Updated: January 15, 2019 - 3:17 am

(StatePoint) Many Americans will start the New Year with specific goals or resolutions in mind. While resolutions are often broken where your finances are concerned, they don’t have to be.

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Thursday 12/27/2018
Four Retirement Readiness Fixes For Baby Boomers
Updated: January 04, 2019 - 2:41 am

(NAPSI)—The Stanford Center on Longevity’s 2018 “Sightlines Report” found that baby boomers have accumulated less household wealth and carry more debt in comparison to previous generations of American retirees.

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Monday 12/17/2018
Small Businesses Need To Invest In These Four Technologies
Updated: December 19, 2018 - 2:32 am

by Anthony Bradley, GVP of Research, Capterra

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Tips for a Smooth Tax Season
Posted: December 17, 2018

(StatePoint) Though Tax Day happens every year, it still seems to take many Americans by surprise. This year, don’t miss the deadline or let this crucial to-do loom large over your head.

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Wednesday 12/12/2018
Going Back To School On Your Company’s Dime
Updated: December 18, 2018 - 2:37 am

Corporate Tuition Assistance Programs Are Growing In Popularity.

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Saturday 12/08/2018
Savvy Tips for Your Holiday Spending
Posted: December 08, 2018

(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.

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Friday 12/07/2018
Why It’s Wise To Hire Veterans With Disabilities
Updated: December 12, 2018 - 2:38 am

(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).

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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.

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Tuesday 12/04/2018
How to Succeed in Selling Your Business
Updated: February 05, 2019 - 2:34 am

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

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Monday 12/03/2018
Ultimate Life Hack for Managing Your Money after the Wedding Day
Updated: February 05, 2019 - 2:34 am

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

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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.

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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.”

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Thursday 11/29/2018
The Risks And Rewards Of Multilevel Marketing
Updated: December 01, 2018 - 2:42 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.

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How To Stay Comfortable During A Cold
Updated: December 01, 2018 - 2:42 am

Sponsored Advertising Content

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Take Steps To Improve Your Retirement Confidence
Updated: December 01, 2018 - 2:42 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.

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Five Tips For Safety
Updated: December 01, 2018 - 2:42 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.

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Tuesday 11/27/2018
Why your business credit score matters
Updated: March 20, 2019 - 2:31 am

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New exchange program introduces young adults to corporate agriculture
Updated: March 20, 2019 - 2:31 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.

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