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Will You Have Enough Green For Your Golden Years?

(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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Having a pet is a lot of responsibility, and we’ll help by giving you lots of tips and tricks! More >>



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Enjoy the crosswords challenge in our free daily puzzles, from the harder Sunday crossword to the quicker daily. More >>



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

Thursday 07/20/2017
Seeking a small business loan? What you should know
Updated: July 26, 2017 - 3:32 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 (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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Monday 06/05/2017
7 tips for balancing retirement savings and paying for college
Updated: June 13, 2017 - 3:31 am

(BPT) - Most people want to help their children pay for a quality college education, but it can be difficult to balance personal financial goals and funding your kids' educational aspirations. When retirement savings is sacrificed for college costs, it can be a disservice to the entire family.

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Tuesday 05/30/2017
Financial Tips for Grads Considering Their First Job
Updated: May 30, 2017 - 3:31 pm

(NewsUSA) - Perhaps the best financial advice for newly minted college grads? At least eight factors -- not just salary -- should be considered before deciding which job offer to accept. 

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Take Control of Your Personal Finances with New Express Bill Pay
Updated: May 30, 2017 - 3:31 pm

(NewsUSA) - We all work hard for our money, which in turn is divided up to pay our bills. That's how it works. But with the added stress of managing daily life, managing bill payment can often be overwhelming and sometimes get overlooked. It can be hard to keep track of what's due and when; never mind those bills that have fallen through the cracks and are late.

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Thursday 05/25/2017
3 tips when buying a used car
Updated: June 02, 2017 - 3:32 am

(BPT) - If you’re in the market for a used vehicle, the car-buying process can be both an exciting and daunting experience. Whether you are a first-time buyer or looking for a different model, a car is one of the largest purchases you will ever make. It’s not only important to make sure you have the right car for your lifestyle, but one that makes the most sense for your personal financial situation.

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A Present For A Future
Updated: June 08, 2017 - 3:31 am

(NAPSI)—Take a look at the children you care about. Then picture them far from family and friends, in foster care, and with very little in the way of luxury or even stuff they can call their own.

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Tuesday 05/23/2017
Tips For A 100 Percent Hassle-Free Move
Updated: May 24, 2017 - 3:35 am

(NAPSI)—Moving can be a hassle, stressful and emotional.

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For Many, Small Business Is Close To Home
Updated: May 24, 2017 - 3:35 am

(NAPSI)—If you are like many Americans, you either own or work for a small business. Small businesses are a big part of the country’s economy, employing 56.1 million members of the nation’s private workforce and creating two out of every three new jobs every year.

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Wednesday 05/17/2017
Are You Banking On Social Security For Your Retirement Income?
Updated: May 18, 2017 - 3:32 am

(NAPSI)—If you’re a middle-income baby boomer, chances are you’re still struggling to recover from the financial crash that began in 2007. You’re not alone: According to a new study, only two percent of boomers feel the economy has fully recovered, and 65 percent say they have not felt personal benefit from any recovery.

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Monday 05/15/2017
Using Academic Practices To Improve Your Communications
Updated: May 16, 2017 - 3:31 am

(NAPSI)—In today’s fast-paced world, new content is coming out faster than many people can keep up. According to an article in Science Daily, 90 percent of the world’s data has been generated in just the last few years. People actively develop new content every day, whether in their professional roles or when choosing what to blog about, link to on social media, and actively share in some way. With all this increased access to information that can be used to create content, it’s important to be mindful of the process and how companies can most effectively connect with consumers or any audience in a way that is accurate and authentic.

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Friday 05/12/2017
Keeping Your Business Running Smoothly
Updated: May 13, 2017 - 3:31 am

(NAPSI)—According to the latest statistics from the U.S. Small Business Administration, 80 percent of the 28.8 million U.S. small businesses have no employees, placing a heavy burden on the business owner when it comes to juggling every detail of running a company. From IT issues to customer service and even facilities management, a small-business owner must be a jack-of-all-trades.

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Change Careers: Answer The Calling To The Classroom
Updated: May 13, 2017 - 3:31 am

(NAPSI)—Here’s news many may find educational: According to a recent University of Phoenix College of Education survey,* one in three (34 percent) K−12 teachers nationwide say they changed careers to join the teaching profession, with 36 percent of career changers coming from a business and management background.

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Thursday 05/11/2017
The Benefits of A Flexible Work Schedule
Updated: May 24, 2017 - 3:32 pm

(NewsUSA) - Within the past two decades, job opportunities that offer telecommuting options have quadrupled, and as technology advances, that number will continue to grow.

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Wednesday 05/10/2017
Important And Intriguing Graduation Information
Updated: May 11, 2017 - 3:31 am

(NAPSI)—If you’re among the estimated 3 million young Americans getting a high school diploma this year—Congratulations!

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When Free Trade Agreements Are Not So Free
Updated: May 11, 2017 - 3:31 am

(NAPSI)—As a successful businessman and negotiator, President Trump ran much of his campaign on promises of updating established international trade agreements to benefit American businesses and their workforces. Needless to say, he has taken on a challenge that many of his predecessors, with their focus on diplomatic relations, were unable to achieve. Time will show whether this 45th president will be able to fulfill this challenge, but many American businesses are relying on him to not only improve their freedom to trade internationally but to protect their assets from loopholes that continue to hurt their business.

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Sunday 05/07/2017
Non-Profit Venture Fund Seeks to Support The American Dream
Updated: May 11, 2017 - 3:31 pm

(NewsUSA) - An innovative venture fund is creating opportunities to support the American Dream by providing capital and resources to small businesses. ProgressWorks is a non-profit 501(c)(3) U.S. job-creation venture fund with a mission to facilitate job creation and retention in the United States. Its vision is to impact the growth of employment through targeted investment, strategic partnering, and resources that reduce the challenges small businesses face when seeking capital.

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Thursday 05/04/2017
The Time To See A Tax Pro Is Now
Updated: May 05, 2017 - 3:31 am

(NAPSI)—Many taxpayers may be surprised to discover that a good time to get tax advice is after their taxes are done and filed.

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Wednesday 05/03/2017
Precious Metals Investing 2017: Keep an Eye on Silver
Updated: May 03, 2017 - 3:31 pm

(NewsUSA) - When it comes to investing in precious metals, gold usually gets most of the attention. But silver -- and silver mining -- may now be the better bet.

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Monday 05/01/2017
Ready to start saving? Sometimes the best rates can be found across state lines
Updated: May 02, 2017 - 3:31 am

(BPT) - With interest rates on the rise, now is a great time to start saving. Whether you want to put away money for a large purchase — such as a down payment on a new home or to purchase a vehicle — or you need a secure way to generate a return on money you’ve already set aside, certificates of deposit (CDs) or high-interest checking accounts can be a solid option.

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A Retirement Paycheck Better Than A Pot Of Gold
Updated: May 02, 2017 - 3:31 am

(NAPSI)—Retiring from the workforce will mean a lot of changes in your life—and some big decisions about what to do with the money from your pension or 401(k). Taking all the money as a lump sum—or “pot of gold”—may be tempting, particularly since this may be the most money you’ve ever had at one time. However, there can be significant drawbacks with a lump sum, according to a recently released study by MetLife.

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Tuesday 04/18/2017
5 tips to help teens master their money
Updated: April 26, 2017 - 3:31 am

(BPT) - For most teens, high school is an exciting time, one that offers the opportunity to set their own path and make some of their own decisions. However, with this added independence comes additional responsibility, especially regarding money.

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Spring cleaning to make money: Don't toss these 5 hidden sources of extra cash
Updated: April 19, 2017 - 3:31 am

(BPT) - Before we soak up the summer sun, we need to think about spring cleaning. As you clear out your closets and drawers, be on the lookout for these five often overlooked sources of money:

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Monday 04/17/2017
Reverse Mortgages Benefit Younger Seniors
Updated: April 21, 2017 - 3:31 pm

(NewsUSA) - This article is a paid advertisement. The content was provided by One Reverse Mortgage.

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Get extra money all year: Tips to adjust your tax withholdings
Updated: April 19, 2017 - 3:31 am

(BPT) - Every year, nearly eight out of 10 taxpayers receive a federal tax refund. Many of them are more than happy to see that “extra” money drop into their bank accounts. In fact, according to a recent TaxAct survey, 61 percent of tax filers said they’d rather receive a big refund than a larger paycheck throughout the year.

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Protect Your Money: There’s an App for That
Updated: April 17, 2017 - 3:32 am

(StatePoint) Since the credit card made its debut as an alternative to cash over 50 years ago, more Americans are using debit or credit cards as a primary payment method than ever before. In addition to the convenience and simplicity of using a card, another reason they have become increasingly popular is because they offer certain protections for consumers.

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Thursday 04/13/2017
No Better Time To Prepare For Your Own Funeral Than Tax Time
Updated: April 14, 2017 - 3:31 am

(NAPSI)—As Benjamin Franklin famously wrote, "In this world, nothing can be said to be certain, except death and taxes." If you, like most Americans, are beginning to work on your yearly taxes, why not start preparing for that other inevitability of life—your death.

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Monday 04/10/2017
What Millennials Ought To Know
Updated: April 11, 2017 - 3:31 am

(NAPSI)—If you are—or care about—a millennial, someone between the ages of 18 and 35, here’s something you may care to consider:

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Tuesday 04/04/2017
6 tips for decoding college financial aid award letters
Updated: April 12, 2017 - 3:31 am

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Monday 04/03/2017
Balance is the key to help build financial confidence [Infographic]
Posted: April 03, 2017

(BPT) - Taking small financial steps today can help prepare you for a more confident tomorrow. Learn how to get started with these tips for tackling your biggest financial concerns.

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