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Business And Finance Front

  • Money And Finance

    What to Know About Today’s Life Insurance Options

    (StatePoint) Amid the COVID-19 pandemic, many Americans are looking into new life insurance coverage or taking a closer look at their existing coverage to make potential updates, according to a new survey.

  • Money And Finance

    Your PR Ps and Qs

    (NAPSI)—Every year, the U.S. Chamber of Commerce reports, approximately 400,000 new small businesses open. If yours is among them—or you’d like it to be—this year, you’re probably facing unprecedented issues. Fortunately, there’s a well-established means to help your new or existing business to grow and flourish and that is public relations. Public relations builds visibility for your brand by creating mutually beneficial relationships between your organization and media, influencers and other relevant audiences. To get facts about your business to potential customers, it’s wise to get information out through this publication and other media. Here are hints on how to do so: •Get to know the media and see what perspective you can offer them. Read this and other publications; watch and listen to the TV and radio news and talk shows to get to know what they like to cover and how your firm can fit in. Gather e-mail addresses for your target media. •Draft clear and personal e-mails to media that cover topics relevant to you and your business. Introduce yourself and tie the introduction to what the person covers. Explain what captured your attention about them. Explain why you’re reaching out and how you can help them to do their job. Then, follow up; stay connected. •Let the media know you’re available to share opinions and have a unique perspective. Perhaps you can talk about the unique ways the pandemic has affected your business and how you’re working to overcome them. Are you adding new services? Are you hiring new people? Are you making changes to your physical location?  •Promote your company by applying for industry, local and regional awards. •Is your business having any special sales or is there anything special that you have done for someone that has affected their lives? Let this publication and other relevant media know what you did or plan to do. Get Help If all that sounds like a lot of work, while you’re trying to start or revive your business, well, that’s good. The good news is that you don’t have to do it all yourself. You can get a professional public relations person to manage the process, keep you on schedule and gain attention for your business while you focus on running your company. A public relation expert such as Nicole Rodrigues, founder and CEO of NRPR Group, a highly-recognized, award-winning and exclusive boutique public relations agency, can keep your company in the spotlight so existing and potential customers know who you are and why they want to do business with you. Learn More For further facts on what a PR firm can do for you, visit www.nrprgroup.com.  

  • Money And Finance

    COVID-19 Fallout: Americans Changing Their Higher Ed Plans

    (NewsUSA) - The move to online classes at colleges and universities to deal with COVID-19 isn't making the grade with many Americans.

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Monday 09/14/2020
What to Know About Today’s Life Insurance Options
Updated: September 21, 2020 - 2:33 am

(StatePoint) Amid the COVID-19 pandemic, many Americans are looking into new life insurance coverage or taking a closer look at their existing coverage to make potential updates, according to a new survey.

more »
Thursday 09/10/2020
Your PR Ps and Qs
Updated: September 17, 2020 - 2:30 am

(NAPSI)—Every year, the U.S. Chamber of Commerce reports, approximately 400,000 new small businesses open. If yours is among them—or you’d like it to be—this year, you’re probably facing unprecedented issues. Fortunately, there’s a well-established means to help your new or existing business to grow and flourish and that is public relations. Public relations builds visibility for your brand by creating mutually beneficial relationships between your organization and media, influencers and other relevant audiences. To get facts about your business to potential customers, it’s wise to get information out through this publication and other media. 

Here are hints on how to do so: 

•Get to know the media and see what perspective you can offer them. Read this and other publications; watch and listen to the TV and radio news and talk shows to get to know what they like to cover and how your firm can fit in. Gather e-mail addresses for your target media. 

•Draft clear and personal e-mails to media that cover topics relevant to you and your business. Introduce yourself and tie the introduction to what the person covers. Explain what captured your attention about them. Explain why you’re reaching out and how you can help them to do their job. Then, follow up; stay connected. 

•Let the media know you’re available to share opinions and have a unique perspective. Perhaps you can talk about the unique ways the pandemic has affected your business and how you’re working to overcome them. Are you adding new services? Are you hiring new people? Are you making changes to your physical location?  

•Promote your company by applying for industry, local and regional awards. 

•Is your business having any special sales or is there anything special that you have done for someone that has affected their lives? Let this publication and other relevant media know what you did or plan to do. 

Get Help 

If all that sounds like a lot of work, while you’re trying to start or revive your business, well, that’s good. The good news is that you don’t have to do it all yourself. You can get a professional public relations person to manage the process, keep you on schedule and gain attention for your business while you focus on running your company. A public relation expert such as Nicole Rodrigues, founder and CEO of NRPR Group, a highly-recognized, award-winning and exclusive boutique public relations agency, can keep your company in the spotlight so existing and potential customers know who you are and why they want to do business with you. 

Learn More 

For further facts on what a PR firm can do for you, visit www.nrprgroup.com

 

more »
Wednesday 09/09/2020
COVID-19 Fallout: Americans Changing Their Higher Ed Plans
Updated: September 16, 2020 - 2:32 am

(NewsUSA) - The move to online classes at colleges and universities to deal with COVID-19 isn't making the grade with many Americans.

more »
Tuesday 09/08/2020
Creating working environments for families to thrive
Updated: September 22, 2020 - 2:34 am

(BPT) - No one has escaped the effects of the pandemic, but working parents are struggling. Staring down a lack of childcare, new work-from-home situations, and insufficient support from employers or public resources, these individuals are nearing the end of their rope emotionally, and for many, financially. The start of the school year further complicates matters as parents grapple with difficult decisions and limited options due to school policies or their own financial and employment constraints. While parents navigate this fraught period for their families and bank accounts, the country must understand three things: Where parents stand now, what they need from their employers in the future, and what can be done in the meantime to find relative peace and security.

more »
Use these 5 annual insurance benefits before the end of 2020
Updated: September 22, 2020 - 2:34 am

(BPT) - Are you one of the 48% of adults who says they or someone in their household has postponed or skipped medical care due to the COVID-19 pandemic?1 If so, you may not have yet taken full advantage of your insurance benefits this year.

more »
Be prepared: 5 steps to build your emergency fund
Updated: September 22, 2020 - 2:34 am

(BPT) - Many of life’s interruptions can’t be predicted. Not having funds set aside for unexpected problems can leave you racking up high credit card debt or putting yourself in other difficult financial straits.

more »
Friday 09/04/2020
Five ways to help protect yourself from unemployment insurance fraud
Updated: September 22, 2020 - 2:34 am

(BPT) - Many people around the U.S. are relying on unemployment insurance assistance as the country battles the pandemic and associated economic effects. As unemployment has risen, fraudsters have been targeting consumers to steal unemployment insurance benefits. They do this by taking personally identifiable information (PII) that cybercriminals have posted on the dark web, stolen from unsuspecting consumers or gained from past data breaches.

more »
Wednesday 09/02/2020
Don't Let COVID-19 Impact Your Credit Score
Updated: September 10, 2020 - 2:31 am

(NewsUSA) - Since March, the COVID-19 pandemic has turned millions of Americans' financial situations upside down.

more »
Tips to Ease the Financial Recovery Process After a Disaster
Updated: September 04, 2020 - 2:34 am

(StatePoint) While the COVID-19 crisis continues to be top of mind for many Americans, it’s important to remember that other disasters can still occur with little or no warning, making it vital to prepare.

more »
Friday 08/28/2020
Need To Find Your Own Health Insurance—You Have Options To Get Covered
Updated: September 11, 2020 - 2:33 am

(NAPSI)—“We need to find health insurance. Where do we start?” This question will occur to millions of Americans who have lost their employer-provided health coverage—or want to be prepared in the event they do. Some reports suggest that some individuals may not enroll in health insurance at all, and the health and financial impact of going without could have long-lasting consequences.

“Choosing the right health coverage may seem daunting since many Americans have never shopped for coverage before or worry that they cannot get affordable health insurance,” said Mark Smith, president of HealthMarkets, one of the largest independent health insurance agencies in the United States. “People should know that there is a wide range of coverage options available to meet their unique care needs and financial situations, some of which are free or subsidized.”

Health Care Coverage Guidance and Enrollment Support

Individuals can find support through health care marketplaces, insurance carriers, insurance brokers and other licensed insurance agents to determine what plan is best for them.

For example, GetCovered is a free service offered through HealthMarkets that provides guidance for people who need health coverage. Call (877) 270-0029 or visit www.getcovered.com to get started. Working with licensed insurance agents, individuals can learn what they are eligible for, including Medicare/Medicaid options or find commercial health plans that best meet their individual needs. Agents can also help them enroll in these plans, where they are able.

Questions to Ask

To find the right coverage, it’s important to know what’s available, what to ask and what information you need to enroll. To narrow your options, be prepared to discuss:

•When does your employer-sponsored coverage end?

•Does your company offer COBRA (Consolidated Omnibus Budget Reconciliation Act)? Under COBRA, individuals maintain their current plan benefits by paying the total cost of the insurance including their premiums and the amount contributed by their employers.

•Does your spouse’s/domestic partner’s employer provide coverage with a “special enrollment” allowance under certain circumstances?

•What benefits does your family need or want?

•What can your family afford? Think about what portion of your monthly budget can be used for health coverage or other insurance. Your family may be eligible for additional options based on your specific financial situation.

Health Coverage Options

If COBRA and spousal coverage are not available or too cost-prohibitive, here are other options to consider:

•Medicaid/Medicare—While Medicare coverage is primarily available to individuals over age 65, Medicaid eligibility is primarily based on income, disability, family size and other circumstances.

•Individual exchange/marketplace plans-These Affordable Care Act (ACA) plans are available through federal or state enrollment sites. Based on your family’s income, you may be eligible for plan subsidies making one of these plans more affordable. Recent job loss often would be a “qualifying life event” to enroll in an ACA plan outside of the annual Open Enrollment Period.

•Short-term plans—Short-term limited duration insurance coverage provides temporary coverage to bridge the gap between longer-term insurance coverage. These plans have a fixed duration of a few months to even several years and generally will offer less robust coverage than ACA plans.

“Health coverage decisions can be made simpler—and there are resources to help,” Smith said. “Regardless of whether you choose to do your own research and enrollment or engage outside services, determining what you and your family need and can afford will help you find good health coverage that ensures you have access to care now.”

 

more »
More Money And Finance
Monday 08/17/2020
Honing Your Small Business Toolkit in Uncertain Times
Posted: August 17, 2020

(StatePoint) It’s been a challenging year for small businesses, with local shutdowns requiring many operations to close their doors, some temporarily, all while weathering the ripple effects of a global economic downturn.

more »
Monday 08/10/2020
Creating connections in a high-tech world: 3 tips to improve customer service
Updated: September 22, 2020 - 2:34 am

(BPT) - In customer service, as in many other areas of life, as technology becomes more sophisticated, relationships get more complex. While technology makes it easier for customers to interact with businesses, an action as simple as finding an auto repair shop can quickly overwhelm consumers with multiple channels, opinions, advertisers and behind-the-scenes engagement systems.

more »
Friday 08/07/2020
7 simple tips to stay organized for back-to-school 2020
Updated: September 22, 2020 - 2:34 am

(BPT) - Whether it's the first day of middle school or the first day away at college, students of all ages are preparing for a new school year. Students might be learning at home, in the classroom or a combination of both, so now is the time to get organized and prepared to help you tackle the year ahead. Here are some useful tips and tricks to help you succeed this school year.

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Expert Series: A Post-Pandemic Playbook: Lessons for Small Businesses from Financial Advisors
Posted: August 07, 2020

(BPT) - By Richard Whitworth, Cetera Financial Group

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Wednesday 08/05/2020
How to make sure your vehicle is ready to get back on the road
Updated: September 06, 2020 - 2:30 am

(BPT) - During a season that’s usually devoted to adventure, many have been forced to stick a little closer to home. When it’s finally time to return to your globetrotting ways, it’s vital to make sure your vehicle is ready.

more »
Monday 08/03/2020
8 ways your family can cure cabin fever
Updated: September 07, 2020 - 2:32 am

(BPT) - It’s not always easy to be at home with kids day after day, but with a little creativity, you can beat cabin fever. Whether you're in your own backyard or venturing out, there are plenty of things you can do to have fun together. Make sure to choose activities that are age-appropriate and that follow your current local guidelines for social distancing.

more »
Wednesday 07/29/2020
How do you prepare for the future when life is so uncertain now?
Updated: September 22, 2020 - 2:34 am

(BPT) - As the ongoing coronavirus pandemic continues to present health and economic challenges, it is difficult to focus on anything other than the present. It’s important, though, not to lose sight of the years ahead and to take steps that can put you in a better position when we emerge on the other side.

more »
Tuesday 07/28/2020
10 Fascinating Facts About the World Famous Zippo Windproof Lighter
Posted: July 28, 2020

(BPT) - From its sleek shape and unmistakable click, to the windproof design and cultural impact across film, music and beyond, the Zippo lighter is truly an American icon. With a rich history that spans over 85 years, the company has influenced how people live, work and explore the world.

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Wednesday 07/22/2020
Offshore Wind Power Prepares to Set Sail
Updated: September 02, 2020 - 2:35 am

(NewsUSA) - Wind power can be a breath of fresh air for many communities in the form of creating jobs and lowering energy costs.

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Wednesday 07/15/2020
Now’s the time to redeem your gift cards
Updated: September 22, 2020 - 2:34 am

(BPT) - This year has had its fair share of challenges, and you may find yourself adjusting to a tighter budget or needing a pick-me-up. While it might feel counterintuitive, a little retail therapy might be just the ticket to giving you a mood boost.

more »
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