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home : cannon falls lifestyles : finance November 26, 2015

Financial agility improves with age
(BPT) - When it comes to retirement, practice makes perfect.Retirees become increasingly adept at managing their expenses and income as they age, according to new research. Retirees report becoming better at controlling spending, feeling more financially secure and finding creative ways to cut expe... More >>

7 tips to avoid lottery scams
(BPT) - You think this is the happiest day of your life. Before you is a letter, email or text message informing you that you’ve just won the lottery. You might even receive a check with the letter stating it is part of your winnings. The communication states all you have to do is pay the pr... More >>

4 ways to protect yourself against advanced fee and prepayment scams
(BPT) - When you’re reading through your daily emails, you most likely check the spam folder, deleting the strange and unwanted items from your inbox. But what happens when one slips through the cracks? Perhaps it’s from a phony loan company, with emails, websites and documents that app... More >>

Think you know life insurance? Think again
(BPT) - When you think about life insurance, do you think flexibility, financial goals and retirement income? If not, you may be like many Americans who believe the only purpose for life insurance is to help pay funeral costs and provide an income for survivors. While that may be true for term life... More >>

Making last minute tax adjustments for 2015 could save you money
(BPT) - With 2015 coming to a close, it might be prudent to consider making adjustments to manage your tax liability.Compare your income now with what you anticipated when you set up your 2015 tax withholding or estimated tax payments. Is the income what you expected? More? Less? If more, do you ne... More >>

The one security improvement businesses must make by October
(BPT) - Follow the news and it’s easy to see that payment fraud has become the largest theft-related threat facing business and consumers in the United States, as well as around the world. The cost of payment card fraud grew by 19 percent globally in 2013, hitting $14 billion, according to re... More >>

5 ways to maintain a long distance relationship without going broke
(BPT) - There is no other way to put it: Long distance relationships are no joke! Keeping the flames burning when your bae lives 2,000 miles away in Mexico can be a challenge for your emotions and your pocket. So, here are a few tips on how you can make your long distance relationship a little easi... More >>

How to score Black Friday-worthy deals every day
(BPT) - Black Friday: the unofficial holiday when retail promotions peak, and the winter holiday shopping season kicks off. Americans across the country scour the Web or wake up before dawn to beat the crowds and score bargains on their most wanted products. But deals don’t only have to happe... More >>

Picking next year's work benefits? Check to see if these 4 innovative offerings are on the table
(BPT) - The last months of the year don’t just usher in the holidays, they also herald the arrival of open enrollment for employee benefits at many American companies. While you’re rushing to fulfill your holiday gift list, it pays to take a few moments to consider what benefits you&rsq... More >>

How to pay with your credit or debit EMV chip card [Infographic]
(BPT) - To continue to fight fraudulent activities, the U.S. is shifting to chip-enabled credit and debit cards that will be used at new chip card readers in stores and at ATMS.To view and download the animated infographic, click here.... More >>

What you need to know about that embedded microchip on your new credit and debit card
(BPT) - Did your bank recently send you a new card with an embedded microchip on it? If you don’t already have one, you will soon. Consumers and businesses suffer from increased fraud, which costs the industry billions of dollars each year, and the transition to chip technology is intended to... More >>

Planning for the cost of college without breaking the bank
(BPT) - College costs in the U.S. are on the rise.According to the latest College Board survey, the average price tag for an in-state public college for the 2014–2015 academic year averaged $23,410, and a private college averaged $46,272. This is a 3 percent increase from the year before.Anot... More >>

4 ways to spread cheer and save your wallet this holiday season
(BPT) - The holiday season is often dubbed “the most wonderful time of the year,” but for many Americans, it can be an incredibly stressful time financially. The National Retail Federation predicts a 4.1 percent increase in sales this year, with the average American set to spend an esti... More >>

Take the stress out of money issues by talking about them
(BPT) - Money is a taboo topic — we’re taught not to talk about it from the time we’re kids. But research shows it’s also a source of stress, anxiety and tension for most Americans.In fact, 64 percent of adults experience stress about money, ranking it a higher source of str... More >>

Taking a cue from the rich and famous
(BPT) - Where can you find more Olympic gold medals and Oscar awards than anywhere else? Here’s a hint: It’s the same place where more precious jewelry, gold, moon rocks, Super Bowl rings, lottery tickets and priceless art are located than any other place in the world.The answer is less... More >>

Save time and money with an FSA [Infographic]
(BPT) - The variety of options available during the annual health care open enrollment period may seem confusing. Because of this, you may have never considered a flexible spending account, or FSA. This handy tool will help you make informed choices and understand the benefits of an FSA account, wh... More >>

4 ways to focus on what's important this holiday season
(BPT) - In the midst of the busyness and bustle of the holiday season, it’s easy to lose sight of the important things in life, like spending time with those you love and making a difference in the lives of others. This year, take a step back and consider these four suggestions from Thrivent ... More >>

Looking to buy a home? 5 mortgage steps you need to know
(BPT) - The home loan process can seem intimidating, especially for a first-time homebuyer. It is not a simple process, but it doesn’t have to be too complicated. There are many resources available to help you prepare for your home buying journey, and your mortgage lender can answer the quest... More >>

Health insurance hurdles? 4 times to ask for help
(BPT) - Millions of people each year find themselves in transition with their health care coverage. They may be leaving an employer and considering COBRA coverage, or may be nearing retirement and planning to enroll in Medicare. They may be able to use Medicaid for their children’s health car... More >>

Protect your investment money from being 'claimed' by the government
(BPT) - Imagine logging into your investment account to check on your mutual fund, only to discover the money you invested for your child’s college and your retirement was suddenly gone. You immediately call your financial adviser or fund company and, to your surprise, learn the state where y... More >>

New flexible spending account options will help you stretch your money
(BPT) - As we head into the 2016 annual health care enrollment period, the benefits of different plan options may seem hard to decipher. Like many employees, you may have never considered a flexible spending account, or FSA. In fact, only about 30 percent of workers who have an FSA available to the... More >>

Make the most of your employee benefits with these 5 tips
(BPT) - Most American workers say they understand the importance of their employee benefits and personal finances, yet two out of five admit they know little or nothing about them, new research finds.As employee benefits season begins, most people seemingly have their financial house in order, sayi... More >>

4 easy hacks to save time and money this holiday season
(BPT) - Dashing around online,On a holiday shopping spree,Over the budget we go,With no time left for me.The holidays can be the most wonderful time of the year — as well as the most overwhelming. From finding the perfect gift for that special person, to attending various parties or celebrati... More >>

3 steps to prepare your credit for homeownership
(BPT) - Homeownership is a dream for many Americans, and maybe it’s one of yours as well. Making this dream a reality requires hard work, dedication and the proper preparation. You must figure out where you want to live, what type of home you desire, what you can afford and also how your cred... More >>

Beat the heat of your bank account: Five tips for hot savings
(BPT) - You may be enjoying the fun and sun of summer activities, but your bank account may think otherwise. It’s difficult to save money this time of year, but with smart budgeting you can still enjoy everything the warm weather has to offer. Instead of forgoing the fun, consider cutting the... More >>

5 ways to put social media on your restaurant's menu
(BPT) - Is social media marketing on your restaurant’s menu? It should be. These days a social media campaign is an essential component of any marketing plan and this is especially true for restaurants. Unlike many other industries, restaurants have the unique opportunity to meet their custom... More >>

Is financial fear making it difficult for you to give?
(BPT) - What do you do to give back? Do you volunteer your time, your skills or your knowledge? Do you pride yourself on being a generous person?Generosity has always been seen as a positive virtue, and new research from Thrivent Financial shows Americans are placing more emphasis on being generous... More >>

Tax tips for newly married couples
(BPT) - In most parts of the country, the months of June, August, September and October are the most popular for weddings. Whether recently married or anxiously counting the days until you tie the knot, there are some important tax implications that you and your spouse can’t afford to overloo... More >>

5 ways to increase your workplace safety immediately
(BPT) - For millions of people like yourself, the daily grind is all part of the regular routine. Today, across the nation, there are more than 122 million people who work full time just like you. And research shows that full-time employees work an average of 47 hours a week— sometimes it fee... More >>

Young families: The cost vs. protection challenge
(BPT) - Being young and starting a family is one of the most exciting times in many people’s lives as there are lots of opportunities ahead and so many memories to make together. Unfortunately, young families are often the most vulnerable to life’s uncertainties. They’re the ones ... More >>

Millennials 'chronically' stressed but optimistic about financial future
(BPT) - Millennials —those between 18 and 34 years old — are now the largest generation in American history, constituting 25 percent of the population, according to the U.S. Census Bureau. They’ve surpassed baby boomers in number and are poised to exceed that generation’s fi... More >>

4 tips for protecting your identify and finances with prepaid cards
(BPT) - Many Americans use prepaid cards because they are a convenient, safe and secure way to manage their finances. In today’s digital world, prepaid cards can also help protect your privacy and money when making online transactions.Here are four tips for using prepaid cards as efficient id... More >>

Tips to turn kids into money masters at any age
(BPT) - Most kids start learning about money earlier than a lot of people think—and it's usually from watching their parents. Three out of five young adults say their parents’ advice or example had the greatest influence over how they handle their finances today, according to findings f... More >>

Create your own personal pension? It's possible
(BPT) - Retirement planning has certainly changed a lot over the years, hasn’t it? First came pensions, or defined benefit plans, with their guaranteed income for life. After that it was 401(k)s. These plans focused on growing wealth from the stock and bond markets. Your pension and 401(k) we... More >>

Investors are more pessimistic, but identifying opportunities [Infographic]
New StreetWise survey gauges sentiment of experienced investors.(BPT) - ... More >>

Think you're too young for retirement planning? Think again
(BPT) - More than half of Americans are at risk of being unable to maintain their pre-retirement standard of living in retirement, with younger households in worse shape than those approaching their retirement years.The younger generation has already seen a reduction in their future Social Security... More >>

Sell your home this winter, reduce competition, stress
(BPT) - Stop waiting — go ahead and put your home on the market. Even now, with temperatures dropping, airports bustling and retailers prepping Black Friday deals, it’s a good time to sell.In fact, Greg Jaeger, vice president at USAA Bank and former real estate agent, says waiting could... More >>

Watch your back: Payment scams common in online buying and selling
(BPT) - Shopping on the Internet can be fun, convenient and a great way to find bargains or unusual merchandise. Similarly, selling unwanted items through online commerce sites can be a win-win for all involved. But not everyone is honest, and if you’re not aware of potential scams, online bu... More >>

The truth about consumer awareness of chip-enabled credit cards
(BPT) - A giant change to the daily shopping experience is taking place in the United States in the battle to fight fraud. And research shows Americans know little about it.The shift to chip-enabled credit and debit cards and a new point-of-sale process, where customers insert or “dip” ... More >>

5 tips for businesses to cut energy, save money
(BPT) - Companies across the nation are looking for ways to become more energy efficient, and small and medium-sized businesses (SMBs) are no exception. Reducing energy consumption is one of the top areas where SMB leaders need more guidance — up 14 percent from the previous year, according t... More >>

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