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Are You Carrying the Right Credit Card for Your Financial Goals?

(StatePoint) If you’ve ever been confused by how to find the right credit card, you’re not alone. A recent national survey found that consumers are overwhelmed by the many credit card offers they receive, and find the process of selecting the right card difficult to navigate.

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

Friday 09/22/2017
Be safe while getting social to avoid social media scams
Updated: September 23, 2017 - 3:33 am

(BPT) - For many people, social media has become a part of our daily lives. We follow friends on Facebook, share our opinions on Twitter and highlight our latest creative projects on Instagram or Pinterest. According to Statista, 78 percent of all Americans have a social media profile, and that adoption rate continues to grow. Yet while this number has created a vibrant social media world, it’s also made the medium an attractive target for scammers, making it important for all of us to think safety when we get social.

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Thursday 09/14/2017
An Empty Nest Is the Time to Grow Your Nest Egg [Infographic]
Posted: September 14, 2017

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How to save on healthcare costs in 2018
Updated: September 15, 2017 - 3:37 am

(BPT) - (BPT) - Your cable bill, entertainment expenses, grocery extras — these often top the list when people sit down to discuss where they can save money.

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Wednesday 09/13/2017
Open Enrollment Is Here: Get the Scoop on FSAs and HSAs
Posted: September 13, 2017

(BPT) - Learn more about Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) with Visa.

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Tuesday 09/12/2017
Three Reasons Not To File A Claim For That Fender Bender
Updated: September 13, 2017 - 4:20 am

(NAPSI)—Although you’ll almost certainly want to have your insurance company cover the cost of a car accident involving multiple cars and serious damage, with plenty of other crashes, you may want to simply cover the cost yourself. Here are some conditions and situations when that option can make sense. The more of these that apply, the more you should consider simply paying the damage yourself.

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The Simpler, More Affordable Way To Invest
Updated: September 13, 2017 - 4:20 am

(NAPSI)—Just as innovation is changing how people order food, shop and make travel arrangements, financial services companies have found a way technology can make investing more convenient and affordable.

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Monday 09/11/2017
Five Everyday Reasons You Need To Know Math
Updated: September 12, 2017 - 3:40 am

(NAPSI)—Many people may shy away from the subject of math, but it is important to understand math as it plays an instrumental role in making good financial decisions. A new University of Phoenix® survey found that 28 percent of respondents reported they were not confident that their current math skills are strong enough to succeed in planning for retirement and 24 percent stated they are not confident in their skills to succeed in understanding tuition assistance and save or pay for college. Additionally, 35 percent are not confident that their math skills were solid enough to start a business.

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Wednesday 09/06/2017
Summer's End: The Perfect Time to Get Financially Organized
Updated: September 06, 2017 - 3:44 pm

(NewsUSA) - Couldn't find that birth certificate when you needed it? Or maybe it was your tax records for the last seven years that the IRS refused to believe really did get lost in a move?

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Tuesday 09/05/2017
Shop for health care with these websites and apps
Updated: September 06, 2017 - 3:58 am

(BPT) - As our nation seeks solutions to help improve the health care system, there is at least one goal we can all agree on: the importance of making health care quality and cost information more accessible.

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Keeping up with the digital natives [Video]
Updated: September 06, 2017 - 3:58 am

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Friday 09/01/2017
Don't Leave Your Family With An Unwanted Inheritance
Updated: September 02, 2017 - 7:43 am

(NAPSI)—If you or someone you care about is among America’s estimated 75 million baby boomers, there are a few financial facts and figures you should know.

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Tuesday 08/29/2017
3 steps to help freelancers and gig economy workers avoid a tax blunder
Updated: September 06, 2017 - 3:58 am

(BPT) - More and more people are earning extra cash by freelancing in the sharing economy. That may mean writing on the side, playing music on the weekends, driving for ride-sharing services like Uber or Lyft or selling handmade jewelry on Etsy. No matter how the money flows in, gig economy earners must be aware of the related tax obligations and potential pitfalls.

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Don't Forget An Important Part Of The School Year
Updated: August 31, 2017 - 3:34 am

(NAPSI)—Amid all the busyness and excitement of the school year—classes, friends, sports and other activities—there’s something very important young men should not forget: Within 30 days of their 18th birthday, they must register with the Selective Service.

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Wednesday 08/23/2017
Why More Americans Should be Talking about Retirement
Updated: August 23, 2017 - 3:32 am

(StatePoint) More than half of Gen X-ers and 40 percent of Baby Boomers have never given advice to their children about planning for retirement, according to a new study from North American Company for Life and Health Insurance.

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Tuesday 08/22/2017
Debunking home ownership myths for millennials
Updated: August 23, 2017 - 3:32 am

(BPT) - We’ve all been told, that owning a home is part of the American dream. It’s the biggest and most rewarding investment many people will make in their lives. Instead of paying rent every month and having nothing to show for it, paying a monthly mortgage builds equity and wealth.

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Monday 08/21/2017
5 mistakes millennials make when it comes to credit
Posted: August 21, 2017

(BPT) - If you’re a millennial, you’ve probably heard enough of grumpy Baby Boomers and Gen Xers grumbling about how lazy the kids are these days or how the younger generation doesn’t have a work ethic or has a sense of entitlement.

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Tuesday 08/15/2017
5 simple ways to stay connected as a family on a budget
Updated: August 23, 2017 - 3:32 am

(BPT) - School’s out, summer’s here and the family is ready for some fun-in-the-sun memory making! It’s the perfect time to bond, catch up and enjoy the slower pace of the season. However, with fun on the brain, it’s easy to find yourself dipping into pockets a bit more for ice cream treats and new toys. To help keep summer full of fun but low on cost, here are five simple tips to ensure an unforgettable summer that won’t break the bank:

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Monday 08/14/2017
A Guide For Health Care And Insurance Usage: Four Factors That Inform Americans' Health Care Decisions
Updated: August 15, 2017 - 3:32 am

(NAPSI)—Access to quality health care and reliable insurance coverage is in a constant state of change. Regardless of your health care services and treatments, there are basic terms and concepts that are universal in the health care industry. Below is a guide to help you navigate these terms and effectively use your insurance.

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Thursday 08/10/2017
Ten Years After The Financial Crisis, Boomers Struggle To Define Retirement
Updated: August 11, 2017 - 3:32 am

(NAPSI)—If you or someone you care about is among the nation's estimated 76 million baby boomers entering or preparing for retirement, coping with the fallout from the subprime mortgage crisis that began in 2007 and triggered the Great Recession is probably still an issue.

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Wednesday 08/09/2017
What To Do If You See A Suspicious Credit Card Transaction
Updated: August 10, 2017 - 3:33 am

(NAPSI)—You scan your monthly credit card bill, only to find a suspicious transaction. Don't panic. Fortunately, credit card companies largely shoulder the financial burden of unauthorized credit card charges. By law, you're only on the hook for $50, and it's unlikely you'll even be dinged for that much.

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Monday 08/07/2017
Credit union or bank: What's right for you?
Updated: August 15, 2017 - 3:32 am

(BPT) - The banking and credit union worlds are as much the same as they are different. Both are eager to earn your business and to provide you with loans, mortgages, savings and checking accounts. With that said, there are some significant differences between the two financial institutions. In today’s world, with cutthroat competition for your money, it’s worth understanding the advantages of both, and perhaps making a switch to one or the other to put yourself in a better financial position.

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How to make sure your financial advisor is working in your best interest
Updated: August 08, 2017 - 3:32 am

(BPT) - Let’s face it: finances can be complicated. Whether opening a new investment account, saving for your child’s college fund or rolling over a 401(k), sometimes you need professional financial help.

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Friday 08/04/2017
Crunching dollars and planning weddings: How to financially plan for the big day
Updated: August 12, 2017 - 3:32 am

(BPT) - Attending most weddings, with the exception of your creepy uncle’s third marriage, is great. You eat free food, get to dance to music and leave without having to take part in the cleanup or the costs.

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Plan For Your Retirement
Updated: August 05, 2017 - 3:32 am

(NAPSI)—If you’re like 82 percent of Americans, you may be concerned about retirement, according to the Employment Benefit Research Institute. Fortunately, you may have a brighter future if you heed five hints from Ray LeVitre, CFP, author of “20 Retirement Decisions You Need To Make Right Now” as well as founder and managing partner of Net Worth Advisory Group—a firm specializing in retirement financial planning.

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Thursday 08/03/2017
Good Credit? Bad Debt Management?
Updated: August 03, 2017 - 3:32 pm

(NewsUSA) - It's a widely-held misconception that those with good credit have a better grasp of managing their finances. In a recent consumer survey from Marcus by Goldman Sachs®*, 34 percent of consumers with good credit (FICO 660 and above) are in credit card debt and 41 percent view credit card debt as an area they wished they had more control over. Even those with good or excellent credit -- a score of 660 FICO or above -- can be prone to the cycle of high-interest credit card debt that includes variable interest rates and hidden fees. It's enough to make anyone feel like debt resolution is out of reach.

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Friday 07/28/2017
3 Unexpected Things That Can Help Small Businesses Thrive
Updated: July 28, 2017 - 3:36 am

(StatePoint) With most Americans employed by small businesses, the success of these operations is crucial to drive the economy and grow the job market. But there are some obvious and not so obvious factors that can help small business owners and their employees thrive.

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Wednesday 07/26/2017
How the state you live in affects your college savings strategy
Updated: August 03, 2017 - 3:33 am

(BPT) - The cost of a four-year college degree now hovers around the $100,000 mark, according to data from the National Center for Education Statistics. While high college costs seem universal these days, college savings strategies are far from a one-size-fits-all. Many factors influence how you’ll save for college, including your children’s ages when you start saving, what schools they might want to attend, and how old you’ll be when they enter college.

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Monday 07/24/2017
Will You Have Enough Green For Your Golden Years?
Updated: July 25, 2017 - 3:35 am

(NAPSI)—If you or someone you care about is among America's more than 74 million baby boomers, you may be glad to know of a helpful new book. It was written by a go-to resource for crisis financial planning, who frequently receives referrals from nursing homes, assisted-living facilities and home health agencies for clients in need of last-minute financial planning assistance. The easy-to-read book, "The Complete Cardinal Guide to Planning for and Living in Retirement" by Hans E. Scheil, CFP®, can help you avoid a financial planning crisis in the first place.

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Thursday 07/20/2017
Seeking a small business loan? What you should know
Updated: July 28, 2017 - 3:36 am

(BPT) - Small businesses still struggle to obtain credit; nearly half of those who applied for credit in 2016 didn’t get all the funding they sought, and 17 percent of those who didn’t apply for financing skipped it because they didn’t think they could get what they needed, according to the Federal Reserve Banks’ Small Business Credit Survey. However, a growing number of small businesses are turning to alternative sources of financing.

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Wednesday 07/19/2017
Purpose Beats Perks in Workplace Satisfaction
Updated: July 19, 2017 - 3:32 am

(StatePoint) New research shows that happiness abounds for those working at small businesses. Indeed, 75 percent of small-business employees are either very or extremely satisfied working for a small business, according to the study conducted by Aflac.

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Monday 07/17/2017
Finding success in direct sales
Updated: July 25, 2017 - 3:35 am

(BPT) - What’s better than being your own boss, setting your own hours, determining your own salary and having an office wherever you happen to be? It’s a Utopian idea that is reality for tens of thousands of people working independently in direct sales worldwide. But getting there isn’t easy. It takes grit to abandon the familiar grind and build a business — especially in direct sales.

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Check Your Dollars: You Could Have A $1 Bill Worth $10,000
Updated: July 18, 2017 - 3:32 am

(NAPSI)—They get shoved in pockets and run through the laundry. Jammed in and spit out of vending machines. And grasped by many hands as they make their way across the United States.

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Ten Years After The Financial Crisis, Boomers Struggle To Define Retirement
Updated: July 20, 2017 - 3:33 am

(NAPSI)—If you or someone you care about is among the nation's estimated 76 million baby boomers entering or preparing for retirement, coping with the fallout from the subprime mortgage crisis that began in 2007 and triggered the Great Recession is probably still an issue.

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Friday 07/14/2017
Money Matters
Updated: July 15, 2017 - 3:32 am

(NAPSI)—When it comes to personal finance, many people seem to be working tirelessly toward financial freedom and making only small strides—but a fresh mind-set can help.

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Wednesday 07/12/2017
Finding Resources For Older Adults
Updated: July 13, 2017 - 3:33 am

(NAPSI)—If you or someone you care about is an older adult, you should know about the Eldercare Locator. The Eldercare Locator, a public service of the Administration on Aging, an agency of the U.S. Administration for Community Living is a nationwide service that connects older adults and their caregivers with information on aging services.

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Tuesday 07/11/2017
How To Help Your Young Man Succeed
Updated: July 12, 2017 - 3:32 am

(NAPSI)—Research shows that students tend to earn higher grades, have better attendance, are more motivated and less likely to drop out when their families are involved in their education.

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Monday 07/10/2017
Three Simple Steps that Can Help You Achieve Your Financial Goals
Updated: July 10, 2017 - 3:34 am

(StatePoint) Americans have mixed emotions around financial planning, a new study suggests. But setting specific goals can help you achieve the financial outcomes you want. Forty-eight percent of individuals with specific financial goals say they expect to be in a much better place in the next four years, versus only 12 percent of those without goals.

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Monday 07/03/2017
How To Buy A House When You're Only 23
Updated: July 04, 2017 - 3:35 am

(NAPSI)—Amy is a typical millennial: She's 23, she graduated from college two years ago, she pays $321 in student loan debt every month and she rents an apartment in downtown Grand Rapids, Michigan. She's a sales manager for an international food distribution company and volunteers as an English tutor every week. She loves bike riding, playing her guitar, Saturday brunch and beer tastings.

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Wednesday 06/28/2017
Mobile Payment App Gives Apple Pay a Run for Its Money
Updated: June 28, 2017 - 3:32 pm

(NewsUSA) - This fall, like clockwork, Apple, Inc. will launch its iPhone 8, with yet another new operating system. Added to the mix will be the launch of Apple Pay Cash and sending money inside its messenger app, also known as Peer to Peer (P2P).

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Monday 06/26/2017
A Decade Later, Economic Crisis Still Hitting Middle-Income Boomers
Updated: June 26, 2017 - 3:31 pm

(NewsUSA) - Ten years after the U.S. financial crisis of 2007, a survey from the Bankers Life Center for a Secure Retirement found that middle-income boomers feel less than secure about their financial future, with almost 100 percent surveyed saying the economy has not fully recovered, and 65 percent believing they have not personally benefitted at all from any recovery.

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Worried About Outliving Your Retirement Nest Egg?
Updated: June 27, 2017 - 3:38 am

(NAPSI)—On average, boomers—an estimated 74.9 million Americans aged 53 to 71 in 2017—can expect to live to around age 85, according to the Social Security Administration.

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Friday 06/23/2017
3 tips to save money every wedding guest should know
Updated: June 24, 2017 - 3:31 am

(BPT) - Wedding season fills summer weekends with nuptials, and while we enjoy celebrating the bride and groom, all the “something borrowed and something blue” adds up to some serious green. In fact, a new survey from Bankrate.com (April 2017) found that nearly half of those surveyed — 47 percent — will spend $100 or more on a wedding gift for close friends or family.

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Thursday 06/22/2017
Breaking Down The School Staffing Surge
Updated: June 23, 2017 - 3:34 am

(NAPSI)—Most parents believe the more personnel there are in a school, the better the education their kids can get—but this may not be so.

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Tuesday 06/20/2017
Viscount Mining Corp: Company to Watch In 2017
Updated: June 20, 2017 - 3:31 pm

(NewsUSA) - Back in the late 1800s, hordes of miners descended on Colorado's Custer County to seek their fortunes. They staked nearly 100 individual claims, and mined large amounts of top-grade silver and gold from the ground. The area even acquired a revealing name: the Hardscrabble Silver District.

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Monday 06/19/2017
Making Informed Choices About Student Debt
Updated: June 20, 2017 - 3:32 am

(NAPSI)—Millions of students are pursuing a college degree in the hope that it leads to a successful career and a meaningful life. It can seem like the only way to a stable financial future. But is it really? The decision to go to college might seem like an easy choice for some high school graduates; for others it could be challenging, especially if they can’t easily afford it.

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Thursday 06/15/2017
Mobile Banking Offers Greater Ease, Better Deals
Posted: June 15, 2017

(NewsUSA) - It seems that almost anything can be done with a click of a mouse or a downloaded app these days -- including your banking.

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Thursday 06/08/2017
220 Cities, 140 Million Americans To Lose Amtrak Service; Federal Budget Will Kill U.S. Train Network
Updated: June 09, 2017 - 3:32 am

(NAPSI)—This summer travel season may be the last year with train travel as an option for millions of Americans. The Administration’s proposed 2018 budget wipes out funding for almost all Amtrak trains except on the East and West coasts. More than 220 cities and towns will lose train service completely and 140 million people will completely lose an entire transportation mode.

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Wednesday 06/07/2017
5 Investment Strategies That Can Outlast Market Spikes
Updated: June 08, 2017 - 3:31 am

(BPT) - You’re familiar with the saying “If it seems too good to be true, it probably is”?

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Check Your Dollars: You Could Have A $1 Bill Worth $10,000
Updated: June 08, 2017 - 3:31 am

(NAPSI)—They get shoved in pockets and run through the laundry. Jammed in and spit out of vending machines. And grasped by many hands as they make their way across the United States.

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