Sentinel-Tribune: Money & Finance

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What Money Tips Would You Tell Your Younger Self?

(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? 

  • icon Posted: August 16

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Recent Headlines

Thursday 08/15/2019
Ticket To Work Helps People Regain Independence
Updated: August 20, 2019 - 2:42 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.

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 - 2:42 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.

Wednesday 08/07/2019
Put Your Home To Work This Winter
Updated: August 15, 2019 - 2:48 am

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

Wednesday 07/31/2019
How investment in public transportation boosts the economy
Updated: August 20, 2019 - 2:42 am

How to discuss money with your date
Posted: July 31, 2019

Smart Ways To Save For Your Future
Updated: August 02, 2019 - 3:38 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:

Wednesday 07/24/2019
Unscrupulous financial advisors undermine public trust
Updated: August 20, 2019 - 2:42 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.

Tuesday 07/23/2019
Students Learn to Steer Their Farm Through Ups And Downs This Fair Season
Posted: July 23, 2019

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

Bringing a message of the importance of financial education to youth and community leaders
Updated: August 20, 2019 - 2:42 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.

Monday 07/22/2019
A Better Way to Buy and Own A Home
Posted: July 22, 2019

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

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.

Thursday 07/18/2019
Eighty-Eight Percent of Teachers Seek Book Discounts and More
Posted: July 18, 2019

(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.

Wednesday 07/17/2019
ICO Offers Investors a Chance to Cash in on Green Energy Plan
Posted: July 17, 2019

(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 to raise funds for the Renewable Energy Network Based on Decentralized Organization (RENBDO) project.

5 creative ways to help pay for rising school costs
Updated: August 20, 2019 - 2:42 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.

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.

Friday 07/12/2019
Tips to Build Good Credit During and After College
Posted: July 12, 2019

(StatePoint) There’s a lot of learning that takes place during and after college, including many lessons outside of the classroom. When it comes to personal finance, however, young people don’t need to learn their lessons the hard way.

Tuesday 07/09/2019
What To Do If You Lose Your Health Insurance
Updated: July 13, 2019 - 2:44 am

Transamerica Center for Health Studies

A Ticket To Work: Designed Just For You
Updated: July 13, 2019 - 2:44 am

(NAPSI)—As you may have discovered, looking for work is not a one-size-fits-all journey. That’s why the Ticket to Work (Ticket) program, Social Security’s national employment-related program, uses a customized approach to help people with disabilities find meaningful work that leads to financial independence.

Friday 07/05/2019
Find Resources For Social Security Disability Beneficiaries Who Want To Work
Updated: July 07, 2019 - 2:47 am

(NAPSI)—When Laura set a goal of becoming a certified orthotist and prosthetist to help people who, like her, experienced limb loss, she was concerned that earning the income she would need to afford the necessary training and education would affect her Supplemental Security Income (SSI) from Social Security. But working with Social Security’s Ticket to Work (Ticket) program and using other Social Security Work Incentives helped her create a path to success.

Uniformed Services Members: Protect Your Family With The Federal Long Term Care Insurance Program
Updated: July 07, 2019 - 2:47 am

(NAPSI)—The prospect of needing long term care may be far from your mind today, but be aware, circumstances can change. A long term care event can happen at any age, and the potential financial and emotional strain that comes with it can affect you and your loved ones.

Tuesday 07/02/2019
Helping Veterans Fight The Battle Of The Budget
Updated: July 07, 2019 - 2:47 am

(NAPSI)—Being a warrior can be stressful enough, but for 62 percent of active-duty service members, veterans and military families, there’s added stress due to their financial situation, according to a 2018 survey by Blue Star Families—but help may be available.

Monday 07/01/2019
Safeguard Your Jewelry on Summer Vacation
Posted: July 01, 2019

(NewsUSA) - Julie Embling and her fiancé were traveling from Milwaukee, WI to Bridal Veil, Oregon to mail their wedding invitations. It was a quick 36-hour trip that was supposed to be filled with bliss but turned horrifying when Embling noticed her engagement ring was gone.

Friday 06/28/2019
Raising Financially Successful Children
Updated: July 02, 2019 - 3:23 am

(NAPSI)—Good news for parents: You can help your kids learn to do well. Studies suggest a clear correlation between early education in money and future financial success.

Thursday 06/27/2019
5 Signs it’s Time to Ask for a Raise
Posted: June 27, 2019

(StatePoint) For U.S. workers, living expenses continue to generally outpace pay increases, according to the Bureau of Labor Statistics. In fact, a recent study by Randstad US and Apartment Guide found that 44 percent of employed Americans say their annual residential expenses (rent, mortgage, utilities, household maintenance, etc.) increase more than their salary does each year — and 37 percent of house, room and apartment renters claim the cost of their home is too high when compared to their income. This has resulted in long commutes, as well as a need to supplement expenses by taking on side gigs and seeking out roommates.

Tuesday 06/25/2019
H&R Block volunteers help Kansas City community gardens
Updated: August 20, 2019 - 2:42 am

Wednesday 06/19/2019
Canadian CBD Company Is on Explosive Track for Growth
Updated: July 31, 2019 - 2:44 am

(NewsUSA) - As the CBD industry continues its growth spurt in the United States, new research suggests that it is poised to take off in Europe as well.

Summer Entertaining Hosted By The California Avocado Commission
Updated: June 28, 2019 - 2:36 am

(NAPSI)—With longer days and warmer nights, entertaining becomes almost inevitable during the summer months. Thanks to the abundance of fresh produce, like California avocados, your backyard barbeques, pool parties and beachside picnics will never have to sacrifice versatility or taste.

Tuesday 06/18/2019
The Rise of Digital Wallets and Mobile Payments
Updated: July 25, 2019 - 2:49 am

(NewsUSA) - More businesses and countries worldwide are embracing digital payments as a way to make e-commerce more efficient and create a smoother transaction experience for consumers.

New Ways to Save Money in Your Digital Life
Posted: June 18, 2019

(StatePoint) We’ve all heard those time-tested ways to save money -- dine out less, sign up for rewards programs or switch off the lights when you leave the room. But in today’s digital world, there are some great ways to save that you may not have thought about.

Friday 06/14/2019
Millennial Successfully Relocates And Buys Second Home at Age 25
Updated: July 20, 2019 - 2:52 am

(NewsUSA) - Amy bought her first house in Grand Rapids, Michigan at age 23. Fast forward two years and she has since sold that house and relocated to Pittsburgh, Pennsylvania. Two houses in two years at age 25: Here's one Millennial who isn't sacrificing homeownership for mobility. 

Wednesday 06/12/2019
Understanding Your Choices
Updated: June 19, 2019 - 2:50 am

(NAPSI)—For many families, few things are more important than schooling—and an increasing number are taking it into their own hands.

Tuesday 06/11/2019
Agriculture insight: Major players nurture innovation by supporting startups
Updated: August 20, 2019 - 2:42 am

(BPT) - Environmental pressures like drought confront growers across the globe, and they can exacerbate the many other demands growers face. The challenges are intertwined, coming from every direction, including profitability requirements, food-supply-chain demands and nutrient shortages.

Thursday 06/06/2019
The American Dream All Over The World
Updated: June 11, 2019 - 2:52 am

(NAPSI)—Most people know someone who has dreamed of leaving the rigidity of a 9 to 5 job to pursue the flexibility of entrepreneurship. The majority don’t pursue that avenue, and the reasons vary, including financial obligations, time constraints, or fear of the unknown.

Tuesday 06/04/2019
The Best-Kept Secret: 529 Education Savings Plans
Updated: June 28, 2019 - 2:36 am

(NewsUSA) - What you don't know really can hurt you when it comes to paying for your child's college education.

Wednesday 05/29/2019
One Date Parents Shouldn't Ignore: 529 College Savings Plan Day
Updated: June 28, 2019 - 2:36 am

(NewsUSA) - How much will I need for my kid's college education? And how the heck will I pay for it?

Tuesday 05/28/2019
More than Half of Americans are Unprepared for Natural Disasters: Are You?
Posted: May 28, 2019

(StatePoint) Only 39 percent of respondents in a FEMA survey say they have developed an emergency plan and discussed it with their households.

Wednesday 05/22/2019
Six Steps Toward Higher Education
Updated: May 24, 2019 - 2:34 am

(NAPSI)—School vacations can be an excellent time for high school seniors and their parents to get a head start on the college application process—you can focus on finding the right college without balancing the responsibilities of schoolwork and extracurriculars. Fortunately, there is a new tool that serves as a free and simple college planning guide for all students, while giving them a chance to win scholarships for each step they take.

Tuesday 05/21/2019
Smart Strategies to Help Pay Off Debt
Posted: May 21, 2019

(StatePoint) From car loans to student loans, credit card balances and other revolving debt, U.S. consumer debt is higher today than ever before.

Monday 05/20/2019
3 tips to make sure your money and information are safe
Posted: May 20, 2019

(BPT) - As cybercrime continues to skyrocket and every day brings news of yet another data breach, many people worry that fraudsters will hack into their bank or credit card accounts and drain their funds or go on a shopping spree. While criminals do directly attack online accounts, the greater risk actually comes from a less obvious source: the telephone.

Monday 05/13/2019
Study up on student scams
Updated: August 20, 2019 - 2:42 am

(BPT) - If you’re in college or high school, chances are you’re working hard to get good grades and earn a little extra money. And while you’re cutting corners living on ramen and frozen pizza, would you want to risk losing any of your hard-earned money to a scam?

Surety Bonds Protect Infrastructure Investment
Updated: June 22, 2019 - 2:42 am

(NewsUSA) - Almost universal agreement surrounds the need to repair or replace America's aging infrastructure of roads, highways, bridges, dams, drinking and wastewater facilities, ports, airports and other essential facilities that ensure the quality of living that Americans expect.

Friday 05/10/2019
Five Tips For Financial Stability In Retirement Years
Updated: May 14, 2019 - 2:37 am

(NAPSI)—Most people have a vision of their golden years that includes a comfortable retirement in which they can spend their time doing the things they enjoy. That dream doesn’t require a substantial amount of wealth, but it is a lot more attainable if you have some financial stability.

Thursday 05/09/2019
Homeless, Starving And Broke, Biz Magnate Shares How He Turned It Around To Make Billions
Updated: May 11, 2019 - 2:30 am

Welcome to the premiere edition of’s “BookBites,” bringing you great ideas for your next read.

Show Mom You Care: Have A Conversation About Long Term Care Insurance
Updated: May 11, 2019 - 2:30 am

(NAPSI)—This year, as you look back at the many years your mother cared for you, consider the possibility that she may require care herself someday. Long term care insurance can help ensure that your mother will get the care she needs, should there come a time when she requires help managing some of the activities we associate with independent living.

Tuesday 05/07/2019
How small businesses are mastering the art of selling online
Updated: August 20, 2019 - 2:42 am

(BPT) - Consumer buying habits have changed dramatically over the years. With the rise of online shopping, many small and medium-sized businesses find it difficult to reach customers in the vast ocean of the internet. To succeed online, businesses need a partner to help them reach a national — or even global — customer base, and to support them throughout the process of building their business and fulfilling increasing demand for their products or services.

Thursday 05/02/2019
Women Prioritize Family Needs Over Their Own Financial Security
Updated: June 21, 2019 - 2:30 am

(NewsUSA) - What's holding women back from doing even better financially than they are?

Wednesday 05/01/2019
Facts On Fixing The Public Education System
Updated: May 03, 2019 - 2:48 am

by Martin Lueken, Ph.D.

How To Get And Keep Smart, Skilled Workers
Updated: May 04, 2019 - 2:34 am

(NAPSI)—If you’re among America’s nearly 28 million business owners—or would like to be someday—here’s some business math it may prove profitable to know: Five will get you 20.

Friday 04/26/2019
What to Think About Before Applying for a Loan
Posted: April 26, 2019

(StatePoint) Whether you’re applying for a new credit card, refinancing a loan or buying a house, lenders consider many factors when making their decision. One of those many factors is your credit score, which helps paint a picture of your credit usage and behaviors over time.