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Business And Finance Front

  • Education

    Don't Get Scammed: What to Know Before Hiring a Timeshare Exit Company

    (NewsUSA) - Every year timeshare owners lose millions of dollars by hiring the wrong exit company. A lack of effective regulation has led to the proliferation of timeshare exit companies -- many of which are not able to fulfill the promises made to their customers -- prompting the Better Business Bureau to issue alerts and revoke the accreditation status on over 40 timeshare exit companies.

  • Education

    Resumes and Remote Interviews

    (NewsUSA) - Sponsored Content - Perfecting a resume and nailing the job interview can be daunting in normal times. With many companies conducting business remotely, this often extends to interviews. Here are some tips to help shore up your resume and nail those remote job interviews:

  • Education

    Ticket to Work Program: Helping People Find Their Path

    (NAPSI)—As Americans celebrate the 30th anniversary of the Americans with Disabilities Act (ADA), it’s worth acknowledging the increased support options available to people with disabilities who want to work.   Since 1999, Social Security’s Ticket to Work (Ticket) Program has helped thousands of Social Security disability beneficiaries find their way to financial independence. The Ticket Program can connect you with free, individualized employment services to help you decide if working is right for you, prepare for the workforce, search for a job and stay employed.   If you choose to participate, you can receive services such as career counseling, benefits counseling, job training and job search assistance from State Vocational Rehabilitation (VR) agencies and authorized providers known as Employment Networks (EN). Some ENs offer specific types of support services while others have experience serving certain populations. Adults (ages 18 through 64) who receive Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) due to a disability are eligible to participate.  If you feel ready for work, don’t let the fear of immediately losing your benefits stand in the way. Social Security rules and programs known as Work Incentives may make it possible for you to explore working while maintaining access to some or all of your benefits payments and your Medicare/Medicaid coverage. If your disability interferes, you may be able to return to benefits without a new application.   Because each person’s circumstances are different and there are a variety of Work Incentives, job seekers are encouraged to consult a Benefits Counselor. These specially trained professionals can help you understand how employment will affect your benefits.  This could be the year to find out what’s possible for you, Visit the website to learn from a score of Ticket Program participants who traded their disability payments for a paycheck and improved their self-confidence and financial independence with help from the Ticket Program.   For over 20 years, the Ticket Program has helped thousands of people find their path to a better future. It can help you find yours. To learn more, call the Ticket to Work Help Line at 1-866-968-7842 or 1-866-833-2967 (TTY), Monday through Friday, 8 a.m. to 8 p.m. ET, or visit choosework.ssa.gov.  

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Money and Finance

Friday 12/04/2020
Don't Get Scammed: What to Know Before Hiring a Timeshare Exit Company
Posted: December 04, 2020

(NewsUSA) - Every year timeshare owners lose millions of dollars by hiring the wrong exit company. A lack of effective regulation has led to the proliferation of timeshare exit companies -- many of which are not able to fulfill the promises made to their customers -- prompting the Better Business Bureau to issue alerts and revoke the accreditation status on over 40 timeshare exit companies.

more »
Wednesday 12/02/2020
Ticket to Work Program: Helping People Find Their Path
Posted: December 02, 2020

(NAPSI)—As Americans celebrate the 30th anniversary of the Americans with Disabilities Act (ADA), it’s worth acknowledging the increased support options available to people with disabilities who want to work.   

Since 1999, Social Security’s Ticket to Work (Ticket) Program has helped thousands of Social Security disability beneficiaries find their way to financial independence. The Ticket Program can connect you with free, individualized employment services to help you decide if working is right for you, prepare for the workforce, search for a job and stay employed.   

If you choose to participate, you can receive services such as career counseling, benefits counseling, job training and job search assistance from State Vocational Rehabilitation (VR) agencies and authorized providers known as Employment Networks (EN). Some ENs offer specific types of support services while others have experience serving certain populations. Adults (ages 18 through 64) who receive Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) due to a disability are eligible to participate.  

If you feel ready for work, don’t let the fear of immediately losing your benefits stand in the way. Social Security rules and programs known as Work Incentives may make it possible for you to explore working while maintaining access to some or all of your benefits payments and your Medicare/Medicaid coverage. If your disability interferes, you may be able to return to benefits without a new application.   

Because each person’s circumstances are different and there are a variety of Work Incentives, job seekers are encouraged to consult a Benefits Counselor. These specially trained professionals can help you understand how employment will affect your benefits.  

This could be the year to find out what’s possible for you, Visit the website to learn from a score of Ticket Program participants who traded their disability payments for a paycheck and improved their self-confidence and financial independence with help from the Ticket Program.   

For over 20 years, the Ticket Program has helped thousands of people find their path to a better future. It can help you find yours. To learn more, call the Ticket to Work Help Line at 1-866-968-7842 or 1-866-833-2967 (TTY), Monday through Friday, 8 a.m. to 8 p.m. ET, or visit choosework.ssa.gov.  

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Think Outside the (Gift) Box, Contribute to a 529 Plan
Updated: December 04, 2020 - 2:31 am

(NewsUSA) - The holiday season looks different in many ways this year, and chances are finding the perfect gift for your loved one is even more challenging. Shoppers are looking to minimize the amount of time they spend in crowded stores during the ongoing Covid-19 pandemic, and online shopping has its perils, too, with concerns about timely delivery or wondering whether what you see online is what you get.

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'Fantasy Commodities' to Take Daily Fantasy Sports Higher
Posted: December 02, 2020

(NewsUSA) -The 'father' of fantasy sports league management has teamed up with the renowned American economist and "The End of Money" author to create what could become the hottest and largest addition of the multi-billion dollar Daily Fantasy Sports industry.

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Monday 11/30/2020
Six Ways To Protect Your Mail And Packages
Updated: December 04, 2020 - 2:31 am

(NAPSI)—Every day, the U.S. Postal Inspection Service works to protect your mail, USPS employees and USPS facilities. It’s just as important to it as it is to you that these items reach their destinations safely, and the Post Office could use your help to keep your mail and packages safe. 

Here are a few tips to consider this holiday season: 

1.Don’t leave your delivered mail and packages unattended. You wouldn’t leave important items sitting on the front seat of your unlocked car overnight. So don’t leave your mail and packages sitting in mailboxes or on front porches for any length of time.

2.Going out of town? Hold your mail at the Post Office. You can sign up for Hold Mail service on usps.com if you plan on being away from home for a few days. Your letters and packages will be held securely at your Post Office until you pick them up or request they be delivered to your home.

3.Plan ahead. Ship using Hold for Pickup. If you are sending packages, you can choose the Hold for Pickup option on usps.com. The packages will be safely held at the recipient’s local Post Office until they can pick it up. If you are expecting a package, you can redirect it to your Post Office by selecting Hold for Pickup using Intercept a Package under Track & Manage on usps.com.

4.Customize the delivery. If you are expecting something you know will not fit in your mailbox and you won’t be home to receive it, you can authorize the carrier to leave it in a specified location. Visit usps.com, enter the tracking number in Track a Package, and select Delivery Instructions.

5.Secure the shipment using USPS Special Services. Signature Confirmation helps ensure the package ends up in the right hands by requiring a first initial and last name at the time of delivery. For your most valuable packages, you can opt for Registered Mail service. Registered Mail receives special handling from the time it’s mailed until the time it’s delivered.

6.Monitor your front door. If you have a home security camera system, and you catch any mail thieves in the act, save the video and alert the Postal Inspectors. 

For more great tips you can use not just during the holidays, but all year long, visit: uspis.gov. 

 
 "Every day, the U.S. Postal Inspection Service works to protect your mail. To help, don’t leave your delivered mail and packages unattended for long.https://bit.ly/33vl3SI"

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Wednesday 11/25/2020
Gifts That Do A World Of Good
Updated: December 01, 2020 - 2:31 am

(NAPSI)—This holiday season, you don’t have to look far to find items that deliver great features and functionality but use less energy. Products that earn the U.S. Environmental Protection Agency’s ENERGY STAR label save money on energy bills and help protect the environment, making them gifts that do a world of good. 

With a wide range of things to wrap up—from smart thermostats, laptops, tablets and other electronics, appliances and even lighting—you can put a bow on a gift that has been independently certified to meet strict standards for energy efficiency. 

A typical household spends about $2,000 a year on energy bills. A home outfitted with products that have earned the ENERGY STAR label can save 30% or about $575 a year on household energy bills. Over their lifetime these products save about $8,750 on utility bills and reduce greenhouse gas emissions by 77,000 pounds of carbon dioxide.

The ENERGY STAR Holiday Gift Guide at www.energystar.gov/holiday features energy-saving products popular this time of year, along with special deals from manufacturers, retailers, and utilities that participate in the ENERGY STAR Program. Looking for the ENERGY STAR label on products specially priced for the holidays means you save on the initial price, plus keep saving through the holidays and beyond. 

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Monday 11/23/2020
Simple Packing Tips To Ship Holiday Gifts
Updated: November 25, 2020 - 2:31 am

(NAPSI)—Packing and shipping gifts across town, across the country or around the world for the holidays is easy, provided you follow simple tips from the United States Postal Service.

To ensure items arrive safely, leave space for extra cushioning inside the package. Stuff glass and fragile, hollow items, like vases, with newspaper or packing material to avoid damage. Mailing a framed photo? Remove the glass and wrap it separately. Items powered by dry-cell batteries may turn on during handling and make noises or emit light. Make sure the device is turned off or package the batteries separately, preferably in the original manufacturer’s packaging. For rules on shipping Hazardous, Restricted and Perishable Mail, please see Publication 52.

Once the box is packed, make sure the address is printed clearly on the outside. Include all address elements, such as apartment numbers, directional information (ex: 123 S Main St. Apt. 2B), and the ZIP Code. Don’t forget to include a return address. Also, place a card inside the package that contains the delivery and return addresses. This ensures the package can be delivered or returned should the mailing label become damaged or fall off.

For information on sending packages internationally, visit the USPS International Shipping page.

Also, check for restrictions on what can and can’t be mailed. The Postal Service has a website that provides information on hazardous, restricted and perishable mail.

It’s advised to not reuse boxes because they can weaken in shipping. Instead, you can get free Priority Mail and Priority Mail Express boxes at your local Post Office. If customers choose to reuse boxes, it’s important to note that logos and all extraneous markings or labels must be covered or removed.

If you can’t get to the Post Office to mail your packages, the Click-N-Ship feature and other online services allow customers to order free Priority Mail boxes, print shipping labels, purchase postage and even request free next-day Package Pickup. Priority Mail includes delivery between one to three days, Priority Mail Express includes delivery between overnight up to two days. Tracking is also included. For more information and restrictions visit usps.com.

The Postal Service also offers shipping tips in a variety of online “how to” guides. Each video is less than three minutes long and shows how to address packages, ship packages and pack a box so items arrive safely.

more »
Financial Planning Tips to Maximize Your Giving
Updated: December 03, 2020 - 2:32 am

(NewsUSA) - Everyone believes in a good cause. Especially now, when individuals and organizations are struggling in the wake of the ongoing coronavirus pandemic. People want to support causes they care about, whether through volunteering, donating goods or services, or making a financial contribution.

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Friday 11/20/2020
Use, Don't Lose Flexible Spending Account Funds
Updated: December 03, 2020 - 2:32 am

(NewsUSA) - The end of the year is a scramble, and it's particularly stressful this year for the millions of Americans enrolled in flexible spending accounts (FSAs) who need to spend down account funds by December 31 or risk forfeiting those dollars back to their employers.

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Thursday 11/19/2020
Long-Term Care Planning Made Easy: Find A Plan That’s Right For You
Updated: November 24, 2020 - 2:32 am

(NAPSI)—You may already be aware of what long-term care is, whether it’s through personal experience caregiving for a loved one who needs daily assistance, or knowing a family member or friend who requires more support as they age. As you learn more about long term care, consider the possibility that you may need this type of care in the future and start planning for it today.

Did you know that 70% percent1 of Americans older than age 65 will need long term care at some point in their lives? This means personal care and other related services provided on an extended basis to people who need help with everyday activities or supervision due to a severe cognitive impairment, such as Alzheimer’s disease. Because long term care is not typically covered by health or other types of traditional insurance, it’s most often provided at home by adult children, other family members, and friends. Caregiving can be stressful, and often takes a toll on a caregiver’s health and well-being. 

For this reason, you may want to research standalone long term care insurance like the coverage that is offered under the Federal Long Term Care Insurance Program (FLTCIP). Designed specifically for the federal family, the FLTCIP provides insurance coverage that reimburses for long term care in places like a nursing home, an assisted living facility, or at home. Purchasing coverage under the FLTCIP may help to protect your savings and assets as well as remain independent in the event you ever need long term care. 

Build a FLTCIP plan

There’s no one-size-fits-all when it comes to long term care insurance, and it’s no secret that planning for your future care can be overwhelming. The FLTCIP’s new Guided Planner was designed to simplify the process of building a FLTCIP plan that’s right for you. When choosing a plan, consider the role your family may play in providing your care, the cost of care where you live or plan to retire, and how your coverage may contribute to your broader financial goals. The Guided Planner will guide you through these key considerations:

•Cost of care: Compare the national average cost of long term care with other locations in the United States. You can choose where you live, or plan to retire.

•Care options: Learn more about different care options, such as home care, assisted living facilities, and nursing homes, as well as the associated costs. 

•Inflation protection: Understand the impact of inflation on the cost of care over time and see examples of how the FLTCIP’s inflation protection options can help.

The FLTCIP Guided Planner will help you build a plan based on three benefit choices. These, along with your age, will help you determine your coverage and premium: 

•daily benefit amount 

•benefit period 

•inflation protection 

Visit LTCFEDS.com to learn more about the Guided Planner and build a plan that’s right for you. 

The Federal Long Term Care Insurance Program is sponsored by the U.S. Office of Personnel Management, insured by John Hancock Life & Health Insurance Company, under a group long-term care insurance policy, and administered by Long Term Care Partners, LLC.

 

1 U.S. Department of Health and Human Services. “The Basics,” https://longtermcare.acl.gov/the-basics/ (accessed August 2020).

 

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More Money And Finance

Business and Careers

Monday 11/16/2020
Financial Planning Organization Promotes Diversity at Annual Summit
Updated: November 18, 2020 - 2:32 am

(NewsUSA) - The financial planning profession is among many fields that recognize the value of increased diversity and inclusion in its ranks. The CFP Board Center for Financial Planning, a nonprofit organization dedicated to supporting professional standards in personal financial planning, is offering its annual Diversity Summit on November 18-20, 2020, held this year in a virtual format.

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Monday 11/02/2020
Vets, Here's How to Maximize Your 2021 Health Benefits From Home
Updated: December 03, 2020 - 2:32 am

(NewsUSA) - Veterans eligible for Medicare can maximize healthcare coverage in 2021 by choosing a Medicare Advantage plan that can complement Veterans Affairs (VA) benefits. When you start researching plan options between now and the December 7 Medicare Advantage and Prescription Drug Plan Annual Enrollment deadline, be sure to use the variety of resources available, including credible websites, virtual education events and one-on-one virtual meetings with licensed sales agents. Here are two key factors to keep in mind during your search:

more »
Thursday 10/29/2020
Home Office Essentials to Streamline Your Work Week
Updated: October 31, 2020 - 2:35 am

(StatePoint) If you’ve been working remotely for months, you’re likely long overdue for a home office upgrade. Having the right tools can make working from home easier and less stressful. 

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Wednesday 10/28/2020
Diverse Financial Planners Expand Financial Empowerment, Access
Updated: November 24, 2020 - 2:32 am

(NewsUSA) - Research repeatedly shows that a diverse workforce is good for business. Employees' varied backgrounds and perspectives help companies propel innovation, attract new customers, and drive higher profits. But workforce diversity also has an important impact on a business' customers.

more »
Restart Growth Now and Become Crisis-Proof for the Future
Posted: October 28, 2020

(BPT) - Many U.S. businesses have been idling since the first quarter of this year — they’re still running, but due to closings, reduced demand and an atmosphere of uncertainty, they haven’t gained the traction they had originally planned or projected to experience this year.

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Monday 10/26/2020
2020 Reveals the High Cost of Not Investing in Corporate Social Responsibility
Posted: October 26, 2020

(BPT) - When the novel coronavirus outbreak impacted nearly every business across the globe, companies turned straight to their values to steer their response. A company’s mission and promise replaced the next product launch. Involvement in the community mattered more than the next earnings call. And how companies treated their employees superseded any other action.

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Wednesday 10/21/2020
COVID-19 Raises Tough Decisions, Shifting Priorities of Corporate America
Posted: October 21, 2020

(BPT) - During the COVID-19 pandemic, consumers are more willing than business executives to impose short-term economic pain for long-term gain, as trust in the government’s ability to make the world a better place has taken a plunge, as has environmental concerns.

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Wednesday 10/14/2020
CFP Board Financial Planning Job Listings, Career Advice Now
Updated: October 30, 2020 - 2:31 am

(NewsUSA) - Despite the COVID-19 pandemic, or perhaps because of it, now more than ever consumers want to plan for a stable financial future, which means increased demand for qualified financial professionals.

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Thursday 10/08/2020
Pandemic Triggers Benefits Double Take at US Businesses
Posted: October 08, 2020

(BPT) - On Jan. 1, 2020, the world welcomed the beginning of a new year with open arms. Little did we know of the challenges to come and the eagerness to leave 2020 in the dust.

more »
Tuesday 10/06/2020
How COVID-19 Has Changed the Way We Do Business Forever
Updated: October 08, 2020 - 2:30 am

(StatePoint) The COVID-19 pandemic has fundamentally changed how business gets done. And when it comes to midsized and small businesses, the importance of investing in new technology, facilitating remote work and maintaining a tech-savvy workforce has never been so clear, according to a new survey.

more »
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