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Money and Finance

Friday 05/07/2021
As Americans venture out post-pandemic, they’re stepping into a digital savvy world
Updated: May 09, 2021 - 2:32 am

(BPT) - More than a year after the pandemic began, Americans are realizing that almost every facet of life has changed. Suddenly their linear, analog world with a digital dabble has become a full-blown digital whirlwind. And that’s especially true when it comes to how they handle money.

more »
Thursday 05/06/2021
You're Never Too Young to Plan for Retirement
Updated: May 08, 2021 - 2:33 am

(NewsUSA) - As a young adult, you may find yourself working your first job, and enjoying your first apartment and first car.

more »
Wednesday 05/05/2021
3 money tips to help single moms build wealth
Updated: May 09, 2021 - 2:32 am

(BPT) - Four years ago, Dr. Lakisha L. Simmons was newly divorced, parenting two young kids and living beyond her means.

more »
Tuesday 05/04/2021
Keeping Your Kids Covered—Finding Health Insurance Post-Graduation
Posted: May 04, 2021

(NAPSI)—Does your college graduate need health insurance? Perhaps this is the last thing you are asking yourself but may be among the most significant. About one in five people in their 20s do not have health insurance, according to recent studies. However, one unexpected illness or accident could have long-lasting health and financial consequences. 

“Choosing the right health coverage may seem difficult as many people have never shopped for their own health insurance or worry that they cannot afford it,” said Mark Smith, president of HealthMarkets Insurance Agency, one of the largest independent health insurance agencies in the United States. “There is a wide range of coverage options available to meet your child’s unique care needs and financial situation post-graduation.”

And now is the time to start. Many colleges and universities require under-graduate and graduate students to purchase health care coverage while enrolled. While some may have coverage under your health insurance, others choose health insurance offered through the school, in collaboration with health insurers. Students have until their plan expiration dates, which vary by plans, to enroll in new ones. So “Step One,” know when that is.

Health Care Coverage Guidance and Enrollment Support

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

For example, GetCovered, powered by HealthMarkets, is a free service 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 is needed to enroll. To narrow the options, know:

•When does your child’s current coverage end? 

•Is coverage under my plan an option? —Under the Affordable Care Act’s “Age 26” rule, you may maintain or add your children to your plan until their 26th birthday or another date that year, as long as you are enrolled, and additional premiums are paid. Go to https://www.hhs.gov/healthcare/about-the-aca/young-adult-coverage for more details. Also be sure to check your state regulations as some have extended eligibility beyond age 26.

•What benefits does my child need or want? 

•What can we afford?—Think about what portion of his or her monthly budget can be used for health coverage or other insurance. Young adults may be eligible for additional options based on their specific financial situation.

Health Coverage Options

If coverage under the “Age 26” rule is not an option, here are others to consider:

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

•Individual exchange/marketplace plans—These ACA plans are available through federal or state enrollment sites. Based on your income, you may be eligible for plan subsidies making one of these plans more affordable. Graduation 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 if your family chooses to do their own research and enrollment or engage outside services, determining what your graduate may need and can afford will help you find good health coverage that ensures your child has access to care now.”

 

more »
Monday 05/03/2021
Reduce your credit carb intake with these tips
Posted: May 03, 2021

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Thursday 04/29/2021
Another Lesson Learned during COVID: Expertise Accessed Differently
Updated: May 09, 2021 - 2:32 am

(BPT) - The COVID-19 pandemic has forced people to embrace flexibility in navigating daily life. Over the last year, consumers have adjusted their habits to follow safety precautions. People adopted or established a new reliance on apps and digital services for restaurant and grocery deliveries, fitness tracking, and connecting with friends and family. And they learned to lean on professionals with online mental health and healthcare appointments.

more »
Seven Small Business Tax Questions from Female Entrepreneurs
Updated: May 09, 2021 - 2:32 am

(BPT) - Like many small business owners, you may view spending time on financial tasks — like doing your taxes — as a time-consuming chore that’ll take your focus away from your core business. Or perhaps you have so many questions, you just don’t know where to start. If so, you’re not alone.

more »
Upgrade A Summer Road Trip with An RV Rental
Updated: May 05, 2021 - 2:33 am

(NewsUSA) - An annual road trip is a staple for many American families.

more »
Monday 04/26/2021
4 expert tips to save money while feeding your family
Updated: May 09, 2021 - 2:32 am

(BPT) - While becoming a new mom brings a variety of joyful new experiences, it can also be a challenging adjustment. Paired with an ongoing pandemic, balancing parenthood on top of work and other responsibilities has left many women feeling overwhelmed.

more »
Thursday 04/22/2021
Don’t Go Uncovered—Finding Your Own Health Insurance Post-Graduation
Updated: May 05, 2021 - 2:33 am

(NAPSI)—“I may need health insurance after graduation.” Perhaps this is the last thing you are asking yourself but may be among the most significant. About one in five people in their 20s do not have health insurance, according to recent studies. However, one unexpected illness or accident could have long-lasting health and financial consequences. 

“Choosing the right health coverage may seem difficult as many people have never shopped for their own health insurance or worry that they cannot afford it,” said Mark Smith, president of HealthMarkets Insurance Agency, one of the largest independent health insurance agencies in the United States. “There is a wide range of coverage options available to meet your unique care needs and financial situation post-graduation.”

And now is the time to start. Many colleges and universities require under-graduate and graduate students to purchase health care coverage while enrolled. While some may be on parents’ or guardians’ plans, others opt to purchase health insurance offered through the school, in collaboration with health insurers. Students have until their plan expiration dates, which vary by plan, to enroll in new ones. So “Step One,” know when that is.

Health Care Coverage Guidance and Enrollment Support

Graduates can find support through their parents or guardians, health care marketplaces, insurance carriers, insurance brokers and other licensed insurance agents to help determine what plan is best for them.

For example, GetCovered, powered by HealthMarkets, is a free service 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, know:

•When does your current coverage end? 

•Is coverage under your parent’s or guardian’s plan an option?—Under the Affordable Care Act’s “Age 26” rule, you may maintain or be added to a parent’s or guardian’s plan until your 26th birthday or another date that year, as long as you are enrolled, and additional premiums are paid. Go to https://www.hhs.gov/healthcare/about-the-aca/young-adult-coverage for more details. Also be sure to check your state regulations as some have extended eligibility beyond age 26.

•What benefits do you need or want? 

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

Health Coverage Options

If coverage under the “Age 26” rule is not an option, here are others to consider:

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

•Individual exchange/marketplace plans—These ACA plans are available through federal or state enrollment sites. Based on your income, you may be eligible for plan subsidies making one of these plans more affordable. Graduation 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 if you choose to do your own research and enrollment or engage outside services, determining what you need and can afford will help you find good health coverage that ensures you have access to care now.”

 

more »
More Money And Finance

Business and Careers

Thursday 04/29/2021
How to Build the Business of Your Dreams
Updated: May 01, 2021 - 2:33 am

(BPT) - Sponsored by Office Depot

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Monday 04/19/2021
Optimize Your Outdoor Space with Custom Shading
Updated: April 22, 2021 - 2:30 am

(NewsUSA) - Spring is here at last, and a pandemic-weary world is eager to get outside. Now more than ever, businesses and individuals want to make the most of outdoor spaces.

more »
Airport Parking Service Tames Travel Stress
Updated: April 22, 2021 - 2:30 am

(NewsUSA) - As travel restrictions ease and vaccination rates rise, many people are eager to resume travel and enjoy a much-needed change of scene. However, one thing hasn't changed, and that is the potential stress of trying to find a parking place at the airport, where wasted time cruising the parking lot could lead to a missed flight. Sky Harbor Airport Parking, has the answer.

more »
Wednesday 04/14/2021
6 tips for hitting the road again
Updated: May 09, 2021 - 2:32 am

(BPT) - Not surprisingly, Americans sharply reduced the overall number of trips they took in 2020, according to the U.S. Bureau of Transportation Statistics. While a certain level of travel has been necessary throughout the pandemic, many travel vendors are seeing increased reservations going into the spring and summer and are expecting business to continue to rise in the second half of 2021 as the COVID-19 vaccine becomes widely administered.

more »
How to Make a Hybrid Workforce Successful
Updated: April 15, 2021 - 2:32 am

(StatePoint) With metrics for COVID-19 improving, many companies are starting to consider returning to work in person. But most employees and employers agree it won’t look like it did before.

more »
Thursday 04/08/2021
Your Cheat Sheet to Small Business Tax Breaks
Updated: May 09, 2021 - 2:32 am

(BPT) - After an extremely trying year, small business owners have a reason to rejoice — there are many tax breaks available due to the pandemic. The catch is knowing how to unearth these golden nuggets of tax savings. But you don’t have to become a tax expert overnight. You just need to know where to go for help.

more »
Friday 03/26/2021
Lessons Learned From Women Business Owners Beating the Odds
Updated: April 01, 2021 - 2:30 am

(StatePoint) Women-owned small businesses are an economic driving force. Today, nearly 13 million women-owned businesses nationwide employ 9.4 million workers and earn $1.9 trillion in revenue.

more »
New Tools Can Help Small Businesses Thrive While Working Remotely
Updated: April 01, 2021 - 2:30 am

(StatePoint) It’s been a challenging year for businesses of all sizes, with many companies having to quickly transition from centralized to decentralized work environments. Business leaders say that without the right tools, the new normal can put a strain on communication, collaboration and teamwork, significantly reducing productivity.

more »
Wednesday 03/24/2021
Tax Prep Tips You Need Now from Financial Pros
Updated: April 20, 2021 - 2:32 am

(NewsUSA) --Tax time is just around the corner, and although many people still face various degrees of financial upheaval in the wake of the ongoing Coronavirus pandemic, the IRS now says that taxes are due a bit later this year -- on May 17, 2021. If you haven't started organizing your tax materials, the time is now.

more »
Tuesday 03/23/2021
Gold and Silver makes Digital Debut, Public Exchange Listing in Blockchain Era
Updated: April 16, 2021 - 2:34 am

(NewsUSA) - Silver and gold, long-time staples in the global economy, are entering the age of digital finance.

more »
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Wednesday, March 10, 2021

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