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home : life : finance July 28, 2015

5 money tips for safe international travel
(BPT) - When you picture your dream vacation, where do you go? Do you lay on the beach in Mexico? Climb the Alps in Switzerland, go fishing in Canada or explore the amazing wildlife of Australia? Do you see the Great Wall in China or travel on safari in Africa? Any of these exciting adventures coul... More >>

5 smart, super-easy ways to manage your money on-the-go
(BPT) - Work commitments, family obligations, workout time and – if you’re lucky – playtime mean few minutes left over for something as mundane as money management. Yet staying on top of your finances is important, no matter how busy you are, which could be why a third of all Amer... More >>

See solar power in a new light this summer
(BPT) - With sunny summer months right around the corner and energy bills continuing to rise, more and more Americans are making the switch to solar powering their homes. In 2014, the U.S. added more than 186,000 individual residential solar installations, according to GTM Research. As a result, mo... More >>

How men and women experience retirement differently
(BPT) - What’s retirement like? The answer may depend upon whether you’re a man or a woman.Women report more positive experiences in retirement than men, yet also say they are more likely to experience negative emotions, especially stress, according to a study conducted by MassMutual. T... More >>

America's smartphone obsession extends to mobile banking
(BPT) - There’s no denying it — smartphones have become essential to daily life. From the smallest to the most complex of tasks, we’ve adopted a mobile-first mindset. For an increasing number of adults, this means their smartphone is never too far out of reach.In fact, if you&rsqu... More >>

Stepping up the fight against identity theft and data hacking
(BPT) - Fueled by the recent epidemic of data breaches, identity theft has become a major concern for millions of Americans. Major companies like Target, Home Depot, eBay, Anthem Blue Cross/Blue Shield and dozens of others have experienced data breaches affecting millions of consumers over the past... More >>

Are You Prepared to Take a 30-Year Vacation?
(BPT) - Summer is vacation season. However, before the week or two of fun begins comes the hard part – planning and packing. There are so many things to consider depending on the type of experience a person wants to have and what they need to bring along.Now picture preparing for a 30-year va... More >>

7 reasons tablets are good for your customers and your restaurant as well
(BPT) - In today’s digital age, more people are enjoying more experiences via mobile screens than ever before. Modern technology is changing every aspect of life and the restaurant industry is no different. Digital offerings, such as tablets, play a vital role in the future of the industry, b... More >>

9 practical tips to avoid payment scams
(BPT) - Payments fraud is serious business but with a few simple steps consumers can make themselves less vulnerable to potential scammers.One way consumers can protect themselves is through prepaid cards, a safe and secure financial tool, that accesses a set limit of funds and isn’t tied to ... More >>

Does your garage door squeak and groan? Listen to what it's saying
(BPT) - Your garage door – just like Oz’s Tin Man – needs regular lubrication in order to move freely.While the Tin Man could ask Dorothy for the oil can, your garage door can only squeak and groan and hope you’re paying attention. But now, your garage door can send you an e... More >>

Identifying hidden savings opportunities in your monthly budget
(BPT) - Advancements in modern technology have put control of many things all into the palm of your hand. Your home is no different, because mistakes or forgotten chores that once required a trip home to set things right now can simply be handled by your smartphone. If you’re not asking your ... More >>

What has the restaurant industry talking tech?
(BPT) - The restaurant industry is constantly evolving; new taste sensations are created, new restaurants open, and established businesses franchise. And while these shifts highlight the industry’s progress, they tell only part of the story. Like the rest of business world, the restaurant ind... More >>

Big brother is watching: It's good for you and bad for the bad guys
(BPT) - It’s Monday morning and you awake to the sound of your alarm blaring. If you’re like a hundred million other Americans, it means it’s time to get ready for work.Some people get up, get dressed, then wrestle the kids into their clothes and the car to drop them off at school... More >>

Are you overpaying to be underinsured?
(BPT) - If you own a home, vacation property, boat, art or other valuables, you likely understand the importance of insurance. What you might not know is there’s a good chance you’re overpaying for that insurance, and furthermore, it’s likely not providing the coverage you really ... More >>

The demands of tomorrow are facing today's accountants
(BPT) - Technology is rapidly changing all industries, including the accounting profession. An accountant from 30 years ago would barely recognize the field as it exists today, as mobile devices and cloud computing have begun to automate many of the day-to-day responsibilities of accountants. The i... More >>

What's the Makers Movement about? Reinventing the world one child at a time
(BPT) - Can kids playing with Legos make the world a better place? Will children who build their own rocket ships or dollhouses go on to be the adult innovators of tomorrow, who take on the world’s challenges with technology and creativity? If 13-year-old Shubham Banerjee is an example of you... More >>

Financial management tips for adult learners going back to college
(BPT) - The ever-rising price tag of college education has been in the news for years, with the average cost hovering just less than $20,000 a year, according to the National Center for Education Statistics. That number, however, speaks to first-timers enrolled full-time in a four-year or two-year ... More >>

Retired but not tired: the four things every senior-preneur must do
(BPT) - For some Americans, the best part of life starts at retirement. In a perfect world this new stage of life means no more answering to upper management, battling a 40 hour work week or being stuck in rush hour traffic. They can come and go as they please. And while spontaneous trips to the sh... More >>

Cultivating financial confidence: Study finds women have more to learn when it comes to retirement planning
(BPT) - Women today are incredibly competent when it comes to juggling career, family and personal obligations. Despite feeling confident in their ability to multi-task, it appears that managing their long-term finances may be taking a back seat to short-term priorities.Seventy-five percent of wome... More >>

Disability insurance: why what you don't know can hurt you
(BPT) - Few people expect to become disabled and unable to work, even though 2013 Social Security Administration statistics show a 20-year old worker has a 30 percent chance of becoming disabled at some point during his career. The truth is, life can throw unexpected curves your way, and expecting ... More >>

What's the real cost of that auto repair? How to know if you're paying the best price
(BPT) - Do you take your car’s “health” for granted? Only when the check engine light comes on do you realize how important a fully functional vehicle is to your daily life. Feelings of fear, regret and anxiety often rush in: “Will my car break down?” “Should I h... More >>

Save water - and money - in the most budget-draining room in your house
(BPT) - Certain home appliances and features have a reputation for being energy and money wasters; everyone knows the air conditioner draws more electricity and old, leaky windows boost utility bills. But are you aware of the room in your home that uses – and wastes – the most water?Ame... More >>

Use less water, save more money by focusing on 3 areas of your home
(BPT) - Severe drought and water restrictions in California may be making headlines and history, but the Golden State is far from the only region in the U.S. facing a drier summer. With the Environmental Protection Agency reporting that 40 out of 50 state water managers predict shortages in their s... More >>

Business credit cards: 5 benefits to boost your small business
(BPT) - More and more American small businesses are using credit cards for business expenses, indicating a nationwide shift away from cash and checks toward more modern purchasing alternatives. In fact, according to Capital One’s latest Spark Business Barometer, 79 percent of business owners ... More >>

Budgeting tips to keep your golden years golden
(BPT) - You’ve earned your retirement, and while it’s a chance to relax and relish in your deserved time off, it’s still important to keep track of your finances, savings and budget. With that in mind, here are five ways you can maintain a healthy budget and enjoy your dream retir... More >>

The 5 bad behaviors that may be derailing your retirement savings
(BPT) - More than half of Americans are worried about running out of money when they retire, yet a staggering 80 percent don’t have the knowledge they need to successfully build a nest egg and make it last throughout their retirement, according to The American College 2014 Retirement Income S... More >>

Planning a home improvement project? Financing is the first tool you'll need
(BPT) - If you’re planning a home improvement project this year, you’re in good company. The economy and housing market are recovering, home values and equity are rising, and many homeowners are beginning projects they had put off over the past few years. A recent report by the Joint Ce... More >>

How women can plan for their financial futures
(BPT) - Are women more diligent savers than men? A 2014 study conducted by Fidelity Investments seems to suggest so. Fidelity’s research found that women saved more than men in their 401(k) plans, as of the year ending Sept. 30, 2014. This stems from the fact that women joined their employer&... More >>

Corporate privacy becoming a top business concern in 2015
(BPT) - As many as 43 percent of companies experienced a data breach in the past year – a 10 percent increase from last year, according to an annual study conducted by the Ponemon Institute. As companies scramble to keep their names out of the headlines by bolstering up security practices and... More >>

Banking on the go: The future of digital banking [infographic]
(BPT) - Digital banking technology keeps making it much easier for U.S. consumers to manage their finances on the go. So easy, in fact, that a new Chase survey found that a third of them bank on their phone and online more than a year ago -- and many are doing it at work, at the store or even while... More >>

Protection and perception: the role of the chip in your credit and debit card [infographic]
(BPT) - A recent survey showed that 80 percent of consumers are concerned about the security of credit and debit card transactions, yet 65 percent have not heard of EMV chip technology, reinforcing the need for education. To protect customers' financial security, Chase is adding EMV chip technology... More >>

8 things every 20-something should know about insurance
(BPT) - Most 20-somethings can’t wait for the day when they are officially “on their own.” You know you’ve made it when you can make a big decision without having to check with mom and dad about footing the bill, thanks to that first real-world, salaried, benefits-included j... More >>

Plug into these spring tips for a smarter home
(BPT) - The days are finally becoming longer and the weather is getting warmer, which means it’s time for spring cleaning, upgrading and refreshing your home. Consider these tips to get your home ready for a fun, smart and cost-efficient year ahead.* Control your thermostat via smartphone app... More >>

Find the right loan to realize your financial goals
(BPT) - When it comes to borrowing money, many loans offer benefits beyond simple financing. With that in mind, it’s important to understand how one type of loan may be right for making home improvements, while another may be a better match for financing a wedding. The key is to research the ... More >>

Gaming on the go: Hot trend allows favorite games to break free of the console
(BPT) - More Americans play video games than don’t. In fact, 67 percent of U.S. households play video games, according to the Entertainment Software Rating Board. Many gamers, however, have either been leashed to a console in order to play their favorite games or have had to find new favorite... More >>

The Cs of choosing diamonds and shingles: Knowing more means paying less
(BPT) - Shopping for an engagement ring can be confusing. But knowing the 4 C’s of picking a diamond – Cut, Color, Clarity and Carat – can help consumers get the best gem for their money. Shopping for roof shingles can be confusing, too. But knowing the 3 C’s of buying a new... More >>

Plan now for your big move this summer
(BPT) - The big move – it should be in all-caps and announced with a deep, authoritative voice. THE BIG MOVE. And it's coming to your family soon. It might be from one house to another across town, or it might involve crossing many state lines. No matter the distance, amount of belongings or ... More >>

3 costly mistakes baby boomers make with Medicare
(BPT) - Each day, thousands of people in the U.S. turn 65, and they’re faced with making choices about the Medicare program. Unfortunately, many people’s missteps mean they end up paying too much for healthcare coverage.“A study published by Health Affairs, a peer-reviewed healthc... More >>

Health trumps wealth in importance to retirees' well-being
(BPT) - Whoever said, “If you have your health, you have everything,” must have been retired.That's because retirees feel more financially secure when they're in good health according to new research. And when they feel financially secure, retirees also report they're enjoying retiremen... More >>

Computers and car parts: Finding what you need has never been easier
(BPT) - Not that long ago a typewriter was the best tool for recording data and libraries kept track of books with index cards packed into wooden drawers. Obviously computers have improved productivity by letting people manipulate data faster. But have you ever considered all the physical, hold-in-... More >>

What you think you know about Social Security may be totally wrong
(BPT) - Americans may have faith in the Social Security system, but many still don’t really understand how it works. That’s a key take-away from a recent survey of Americans’ knowledge of Social Security retirement benefits. While 63 percent of respondents said they do believe Soc... More >>

Millennials say they want to save for retirement, but a third aren't doing it
(BPT) - Nearly one in three millennials have no money saved for retirement, and a quarter of millennials – people between the ages of 18 and 34 – report owing more money than they have currently saved, according to a survey released by the Indexed Annuity Leadership Council (IALC).&ldqu... More >>

Six ways to make your business better this summer
(BPT) - Summer’s here so make sure to get out, enjoy the great weather and take a well-deserved break. And if you’re running a small business, this summer offers a great opportunity to take a deep breath before taking action to make your business even better as you head into the second ... More >>

Home trends: High tech kitchens in high demand
(BPT) - The digital craze has affected virtually every aspect of life, but perhaps nowhere is it more useful than in the home. From keeping your property secure to saving water and energy, digital upgrades can give your house a modern edge that adds convenience, cuts costs and improves resale value... More >>

Hands-on learning better prepares students for cyber security careers
(BPT) - Cyberattacks like the hacks on Sony Pictures Entertainment and Target have put serious cybercrime on the radar of the American public and government alike, so it’s no surprise that the Bureau of Labor Statistics (BLS) projects that the cyber security industry will grow 37 percent by 2... More >>

5 automotive mobile devices ideal for teenage drivers
(BPT) - Many parents worry when their teens start to drive. Distracted driving, inexperience and simple carelessness are all reasons for parents to be concerned. The added distraction of a cellphone and all its available functions bring even more reasons to worry.While it would be great if parents ... More >>

How Hispanics are preparing for a bright financial future
(BPT) - Anticipating the future can be difficult, particularly when it comes to your finances. But with the improving economy, more people are taking a proactive approach to planning for tomorrow and beyond. This is particularly true of Hispanics, who overall are feeling more positive about their f... More >>

Five ways to make your home office efficient and productive
(BPT) - Working from home is a growing trend, with 3.3 million people telecommuting at least half the time, according to the 2012 American Community Survey conducted by Global Workplace Analytics. The cost savings for not having to commute, being able to work in the comfort of your own home and hav... More >>

5 critical questions small-business owners must ask before retirement
(BPT) - Small businesses are the backbone of the American economy. In fact, the number of small businesses in the United States has increased 49 percent since 1982, according to the U.S. Small Business Administration, and the 23 million small businesses in America today account for 54 percent of al... More >>

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