• Welcome!
    Logout|My Dashboard

Independent-Messenger: Money & Finance

Money & Finance

Top Story

What You Need to Know This Medicare Enrollment Season

(NewsUSA) - It's that time of year when people with Medicare review their health insurance choices and enroll in a Medicare Advantage or Prescription Drug plan for the coming year.

  • icon Updated: 4:24 am

Pet Central


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



Our fitness articles will help teach you how to work out with gym- and home-based exercises. More >>



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

Wednesday 10/10/2018
How to get more from your savings
Updated: October 22, 2018 - 4:29 am

(BPT) - Many options exist when it comes to investing, and the variety of choices can be overwhelming. Whether it’s stocks, capital investments or the latest investment tool, each seems to come with its own set of rules and specialized terms. But one tool stands out as simple, safe and accessible to the average consumer without a lot of bells and whistles: the Certificate of Deposit.

Tuesday 10/09/2018
Additional Financial Protection for Your Family: What to Know
Updated: October 22, 2018 - 4:29 am

(StatePoint) It is hard to think about death, but organizing your financial paperwork, having a will, making sure you have an appropriate amount of life insurance coverage and even writing out funeral plans, can help ensure that loved ones left behind have a little less to worry about during a difficult time.

Monday 10/08/2018
Could Saving With An Online Bank Help Your Money Grow Faster?
Updated: October 22, 2018 - 4:30 am

(StatePoint) While there’s no doubt that putting money aside with each paycheck is an essential component to a healthy financial future, it’s important to keep in mind that not all savings accounts are going to give you the same pay back or benefits.

Sunday 10/07/2018
5 financial tips for millennials in the Southeast
Updated: October 22, 2018 - 4:30 am

(BPT) - Your financial health impacts your life, not only in the way you live today and in the future, but in the legacy you leave behind to those you love the most. Whether you’re paying off student loans, buying spin classes or caring for an aging loved one, the way you live today and in the future is shaped by your financial health.

Thursday 10/04/2018
Establishing A Competitive Edge: SMB Spending Trends That Create A Competitive Advantage
Updated: October 22, 2018 - 4:29 am

by Anthony Bradley

Four Ideas For Health Care Planning In Retirement
Updated: October 22, 2018 - 4:29 am

(NAPSI)—The Employee Benefit Research Institute estimates that a typical 65-year-old couple will spend a total of $265,000 in health care costs over the remainder of their lives. This staggering amount of money has the potential to derail even the best-laid retirement plans.

Wednesday 10/03/2018
Smart Millennial Uses Down Payment Assistance for New Home
Updated: October 22, 2018 - 4:24 am

(NewsUSA) - Until this summer, Matt Berna had an unusual tradition: Every year, he moved to a new apartment. After doing this for 9 years, the 27-year-old inside sales professional decided enough was enough.

Tuesday 10/02/2018
From Chores to Student Loans: Teaching Kids Money Basics
Updated: October 22, 2018 - 4:30 am

(StatePoint) For kids, October is a big month because it includes the one night where costumes are encouraged and begging for candy is expected. But it’s also National Financial Awareness Month, and amazingly, many teenagers will graduate high school this year with little knowledge about how finances work, flying blind into a hurricane-sized storm of potential debt, bad loans, bankruptcy, and no savings or retirement.

Monday 10/01/2018
Tips for Taking Control Over Your Financial Destiny
Updated: October 22, 2018 - 4:30 am

(StatePoint) Whether you’re a novice or experienced investor, there are steps you can take in order to take control of your financial destiny, and you don’t necessarily need a professional financial planner to do so, say some experts.

Monday 09/24/2018
How to Get the Most Out of Your Credit Card
Updated: October 22, 2018 - 4:30 am

(StatePoint) When it comes to purchases, Americans overwhelmingly prefer credit cards to cash or debit cards, yet few review the rewards and benefits that come with their card. This means millions of Americans may be missing out on experiences, cash back or other benefits that credit cards offer.

Friday 09/21/2018
Four Tips For Protecting Your Family's Financial Future
Updated: October 22, 2018 - 4:29 am

(NAPSI)—While no one really likes to talk about the scenarios in which life insurance becomes necessary, having these conversations and taking the required steps to insure your legacy is the best way to protect loved ones’ financial futures—and is especially important as you near retirement.

Monday 09/17/2018
How one state is fighting food waste
Updated: October 22, 2018 - 4:29 am

(BPT) - Up to 40 percent of food grown, processed and transported in the United States is never eaten, yet one in eight Americans suffers food insecurity. The average four-person family wastes $1,500 a year on food.

Friday 09/14/2018
Life Insurance: What Everyone Needs to Know
Updated: October 22, 2018 - 4:30 am

(StatePoint) No matter if you’re single or married, in your twenties or your forties, a parent or not, life insurance coverage is important in ways you may not realize, and costs less than you’d expect. And experts now stress that employer-sponsored coverage typically isn’t sufficient to cover most people’s needs.

Wednesday 09/12/2018
Teaching kids about money management at any age and every age
Updated: October 22, 2018 - 4:29 am

(BPT) - As a parent you understand the importance of successful money management firsthand. Every bill must be accounted for and budget balanced. It’s the only way you can manage your household and save for those bigger events in life. Your kids, on the other hand? They are not quite so money savvy and you’d like to change that. After all, smart money management will help them throughout their entire lives. So how do you teach these skills to your kids?

Monday 09/10/2018
Finding the support teachers need during the school year
Updated: October 22, 2018 - 4:30 am

(BPT) - The school year has begun, and while the back-to-school expenses of many parents are done for the summer, students will still have ongoing needs throughout the year. But parents are not the only ones who spend their own hard-earned cash to make the school year a success, and they are not the only ones that can expect the costs to continue throughout the year.

Thursday 09/06/2018
Four Tips For Better Managing Your Retirement Budget
Updated: October 22, 2018 - 4:29 am

(NAPSI)—A recent survey by Ameriprise Financial found that 68 percent of retirees with at least $100,000 in assets have not yet taken money out of their savings, beyond what they must withdraw as part of the IRS’ required mini-mum distributions from their retirement accounts.

Tuesday 08/21/2018
Do You Have Enough Savings for Planned and Unplanned Expenses?
Updated: October 22, 2018 - 4:29 am

(StatePoint) Nearly half of consumers have encountered an emergency expense in the past year, but when it comes to financially preparing for the unexpected, many fall short, according to CIT Bank’s new Summer Savings Survey conducted by The Harris Poll. What’s more, the survey also found that many consumers don’t have the savings to afford the planned expense of the vacations they take.

Monday 08/20/2018
5 Life Insurance Myths Busted
Updated: October 22, 2018 - 4:29 am

(StatePoint) Life insurance. It’s something that most people need but a topic that no one wants to discuss, leading to many misconceptions.

Monday 08/13/2018
Tips to pass your credit score with flying colors while in college
Updated: October 22, 2018 - 4:29 am

(BPT) - No one ever said that college was cheap. In fact, many of the largest expenses have nothing to do with tuition — and no, we’re not talking about pizza.

How Much Do Your Kids Know About Money?
Updated: October 22, 2018 - 4:29 am

(StatePoint) With consumer debt on the rise and many failing to adequately save for the future, experts say that financial illiteracy is a major problem for Americans -- and one that communities and parents have a joint responsibility to address, starting in childhood. And right now, most children are coming up short in this area.

Thursday 08/09/2018
The ABCs of Finance Apps
Updated: October 22, 2018 - 4:24 am

(NewsUSA) - As back-to-school time sets in, personal finance becomes more complicated for many families. Some have students away from home for the first time, others have expenses for tuition, and of course the many purchases associated with the start of school: backpacks, lunch bags, clothes, books, dorm room furnishings, not to mention the tech gear - phones, tablets, laptops, and don't forget extra chargers.

Tuesday 08/07/2018
Paying for college: It pays to have a cosigner when applying for student loans
Updated: October 22, 2018 - 4:30 am

(BPT) - Adding a cosigner to your student loan application can be a smart financial move, according to a new analysis from online student loan marketplace Credible.com. The research found that borrowers who added a cosigner to their private student loan applications were more than five times more likely to be approved for a loan. In addition, borrowers applying with a cosigner reduced their interest rate by 2.36 percentage points, on average, opening the door to rates that were 28 percent lower than those available to borrowers applying without a cosigner.

Monday 08/06/2018
Twice A Victim: Finding A Path Forward After An Accident
Updated: October 22, 2018 - 4:30 am

(NAPSI)—Each year, hundreds of thousands of Americans are injured in serious accidents. Though the causes may be different, one thing is increasingly common: Because there are often long delays in collecting payments for legitimate insurance claims, injured parties can become “twice victims.”

Friday 08/03/2018
Millennial women and money: 5 things that might surprise you
Updated: October 22, 2018 - 4:30 am

(BPT) - Now more than ever, women are speaking out on a variety of issues, from social inequality to inadequate representation to harassment, but there is one thing that’s still taboo: money.

Thursday 08/02/2018
How to Afford a Pricier House in the Neighborhood You Love
Updated: October 22, 2018 - 4:24 am

(NewsUSA) - When Danielle and Jimmy returned to their home state after three years in Germany, they spent the next six months looking for their first home.

Wednesday 08/01/2018
How to Cut Years Off of the Mortgage of Your Home, Sweet, Home
Updated: October 22, 2018 - 4:29 am

(StatePoint) Whether you’ve just moved into your dream home and are experiencing the elation of making it your own or you are a few years into paying off your mortgage, if you are like most homebuyers, chances are you have the standard 30-year mortgage and may feel daunted as you anticipate decades of payments.

Thursday 07/26/2018
Bitcoin Gains Can Become "Tax-Free"
Updated: October 22, 2018 - 4:24 am

(NewsUSA) - The 2017 Reform Act of 2017 is starting to gain traction as former United States Congressman Mark Schauer (MI-07) suggest that the "Opportunity Zones created under the tax bill incentivize capital flow to businesses in low-income neighborhoods all over the nation. Investment of even a portion of unrealized capital gains will have an historic, transformative effect in distressed communities."

Friday 07/20/2018
E-Wallet App Protects Family Debit Card Number
Updated: October 22, 2018 - 4:24 am

(NewsUSA) - Many families have a single debit or credit card shared among several individuals, including teens and college students who may lose track of purchases, buy from unsecured websites, or access money without clearing the amount with parents.

Thursday 07/19/2018
Parents Say They're 'Yoda' About Finances
Updated: October 22, 2018 - 4:30 am

(NAPSI)—Parents identify with Yoda more than other Star Wars characters when it comes to family finances—according to a survey by New York Life. Yoda is patient, uses past experiences to guide future decisions and finds it important to teach the next generation.

Monday 07/16/2018
Youth Learn the Dollars and Cents of Agriculture this Fair Season
Updated: October 22, 2018 - 4:23 am

(NewsUSA) - For students around the country, summer vacation may be in full swing, but for many, that hasn't kept them from learning - especially those interested in a career in agriculture.

Five Tips To Help You Ace Personal Finance 101
Updated: October 22, 2018 - 4:29 am

(NAPSI)—Managing money as a college student can be challenging—with juggling tuition, room and board, books and everyday expenses, costs can quickly add up. Money is often tight and income limited. What's more, for many, college is a time when they may be managing their money for the first time, not to mention with the added financial stress of looming student debt.

Wednesday 07/11/2018
5 tips for reducing back-to-school stress
Updated: October 22, 2018 - 4:30 am

(BPT) - Just as everyone is settling into summer, parents around the country suddenly realize that the start of another school year is right around the corner. The back-to-school season seems to start just as the last school year ends! This year, rather than getting caught off guard, be prepared with some tips to reduce mental and financial stress.

Thursday 06/21/2018
Millennial Men vs. Women: Different Financial Habits
Updated: October 22, 2018 - 4:30 am

(StatePoint) As the saying goes, “men are from Mars, women are from Venus.” But when it comes to how each gender approaches their finances, the two groups might as well be from different universes, according to findings from the recent PNC Investments Millennials & Investing Survey.

Wednesday 06/20/2018
Is Your Retirement Income Protected? 9 Questions to Ask
Updated: October 22, 2018 - 4:29 am

(StatePoint) When it comes to retirement planning, anxiety comes with the territory. Will you be able to maintain your lifestyle in retirement? Will you have enough to cover your monthly bills without depleting your savings? Are you at risk of outliving your money? While such concerns are common among Americans approaching retirement, protecting part of the money that you’ve saved to ensure monthly income for life can make a difference in your confidence about the future, suggests a new study.

Tuesday 06/19/2018
4 Tips for Paying for College While Saving for Retirement
Updated: October 22, 2018 - 4:30 am

(StatePoint) Saving for retirement and college simultaneously is a balancing act that many families face. However, experts say these goals don’t have to be in competition with each other. To manage both priorities, consider the following tips.

Wednesday 06/13/2018
Coupling Finances: What All Newlyweds Should Know
Updated: October 22, 2018 - 4:23 am

(NewsUSA) - Coupling finances.

Monday 06/11/2018
Consumers need to be on guard against common rental scams
Updated: October 22, 2018 - 4:30 am

(BPT) - You know the old saying, that if it's too good to be true, it probably is?

Friday 06/08/2018
Survey Finds That Employers, Employees Disagree On The Importance Of Professional Soft Skills
Updated: October 22, 2018 - 4:29 am

(NAPSI)—With the unemployment rate dropping below 4 percent for the first time since 20001, higher education could help those looking to take advantage of record employment.2

Wednesday 06/06/2018
The Latest Job Benefit Helps Employees Pay Off Student Debt
Updated: October 22, 2018 - 4:23 am

(NewsUSA) - What perk would most entice you to accept one job offer over another?

Tuesday 06/05/2018
After An Accident: Dealing With The 'What Now?'
Updated: October 22, 2018 - 4:29 am

(NAPSI)—According to the National Safety Council, in the United States there are about 10 million accidents of all kinds each year: from parking lot scrapes to multicar pileups. Nearly 1.3 million people die in road crashes, and an additional 20−50 million are injured or disabled.

Friday 06/01/2018
Now's The Time To Get Set For Applying To College
Updated: October 22, 2018 - 4:30 am

(NAPSI)—If you or someone you care about is among the 3.6 million students who will graduate high school next year, here’s a hint: Vacation time is a good time for 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.

Friday 05/25/2018
Wise weddings: Avoid the 5 most common overspending woes
Updated: October 22, 2018 - 4:30 am

(BPT) - Everyone loves a beautifully staged wedding. Few are as enamored with the bills that roll in later.

Friday 05/18/2018
Loan Officer Reveals Secret To A Good Night's Sleep
Updated: October 22, 2018 - 4:30 am

(NAPSI)—John and Jennie were renting a small house in Delray Beach, Florida when the perfect house came on the market: only four blocks from their rental home, 3,400 square feet, with five bedrooms and the biggest yard in the neighborhood. An excellent fit for their family of six.

Study What You Love—Entrepreneurship As The Path To Success And Fulfillment
Updated: October 22, 2018 - 4:29 am

(NAPSI)—The United States has long been considered a leader in entrepreneurial pursuits, with everyone from ambitious self-starters to certified moguls making their way here from around the globe to transform dreams into realities. According to the Global Entrepreneurship Development Institute, the United States provides the best environment for cultivating entrepreneurship, ranking first out of 138 countries.

Top Saving-for-College Trends
Updated: October 22, 2018 - 4:30 am

(StatePoint) Parents are socking away more money for their children’s higher education, and they are doing so in smarter ways, suggests a new report from Sallie Mae.

Monday 05/14/2018
Where Does School Money Go? Not To Teachers, Study Shows
Updated: October 22, 2018 - 4:29 am

(NAPSI)—There are a little over 3 million teachers in America’s public schools and for the majority of them, interacting with children is the best part of the job. That’s just as well, since for too many, salary and working conditions are pretty poor.

Friday 05/11/2018
Visa Returns Zlatan Ibrahimovic to the 2018 FIFA World Cup Russia [Video]
Updated: October 22, 2018 - 4:30 am

MovoCash to Sponsor Paul Walker's Reach Out WorldWide Event
Updated: October 22, 2018 - 4:24 am

(NewsUSA) - Many companies place a higher premium on getting than on giving, but MovoCash (MOVO), a payment platform that empowers people to convert their mobile phone into a digital bank in their pocket, is a company centered on compassion.

Thursday 05/10/2018
Are Millennials in Good Financial Shape?
Updated: October 22, 2018 - 4:29 am

(StatePoint) Now comprising the largest percentage of the workforce, millennials report that their parents did not give them much guidance about investing and many are not confident they are saving enough for the future.

Featured Events