Valley Bargain Book: Money And Finance

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5 Tips for Managing Your Student Loan Debt

(StatePoint) Student loan debt is a fact of life for many college graduates and their parents, with borrowers owing approximately $1.6 trillion in federal and private student loans in 2019. While some graduates easily repay their loans, others struggle to manage their debt.

  • icon Posted: July 15

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Recent Headlines

Friday 07/12/2019
Tips to Build Good Credit During and After College
Posted: July 12, 2019

(StatePoint) There’s a lot of learning that takes place during and after college, including many lessons outside of the classroom. When it comes to personal finance, however, young people don’t need to learn their lessons the hard way.

Tuesday 07/09/2019
What To Do If You Lose Your Health Insurance
Updated: July 13, 2019 - 2:33 am

Transamerica Center for Health Studies

A Ticket To Work: Designed Just For You
Updated: July 13, 2019 - 2:33 am

(NAPSI)—As you may have discovered, looking for work is not a one-size-fits-all journey. That’s why the Ticket to Work (Ticket) program, Social Security’s national employment-related program, uses a customized approach to help people with disabilities find meaningful work that leads to financial independence.

Friday 07/05/2019
Find Resources For Social Security Disability Beneficiaries Who Want To Work
Updated: July 07, 2019 - 2:37 am

(NAPSI)—When Laura set a goal of becoming a certified orthotist and prosthetist to help people who, like her, experienced limb loss, she was concerned that earning the income she would need to afford the necessary training and education would affect her Supplemental Security Income (SSI) from Social Security. But working with Social Security’s Ticket to Work (Ticket) program and using other Social Security Work Incentives helped her create a path to success.

Uniformed Services Members: Protect Your Family With The Federal Long Term Care Insurance Program
Updated: July 07, 2019 - 2:37 am

(NAPSI)—The prospect of needing long term care may be far from your mind today, but be aware, circumstances can change. A long term care event can happen at any age, and the potential financial and emotional strain that comes with it can affect you and your loved ones.

Tuesday 07/02/2019
Helping Veterans Fight The Battle Of The Budget
Updated: July 07, 2019 - 2:37 am

(NAPSI)—Being a warrior can be stressful enough, but for 62 percent of active-duty service members, veterans and military families, there’s added stress due to their financial situation, according to a 2018 survey by Blue Star Families—but help may be available.

Monday 07/01/2019
Safeguard Your Jewelry on Summer Vacation
Posted: July 01, 2019

(NewsUSA) - Julie Embling and her fiancé were traveling from Milwaukee, WI to Bridal Veil, Oregon to mail their wedding invitations. It was a quick 36-hour trip that was supposed to be filled with bliss but turned horrifying when Embling noticed her engagement ring was gone.

Friday 06/28/2019
Raising Financially Successful Children
Updated: July 02, 2019 - 4:38 am

(NAPSI)—Good news for parents: You can help your kids learn to do well. Studies suggest a clear correlation between early education in money and future financial success.

Thursday 06/27/2019
5 Signs it’s Time to Ask for a Raise
Posted: June 27, 2019

(StatePoint) For U.S. workers, living expenses continue to generally outpace pay increases, according to the Bureau of Labor Statistics. In fact, a recent study by Randstad US and Apartment Guide found that 44 percent of employed Americans say their annual residential expenses (rent, mortgage, utilities, household maintenance, etc.) increase more than their salary does each year — and 37 percent of house, room and apartment renters claim the cost of their home is too high when compared to their income. This has resulted in long commutes, as well as a need to supplement expenses by taking on side gigs and seeking out roommates.

Tuesday 06/25/2019
H&R Block volunteers help Kansas City community gardens
Updated: July 17, 2019 - 3:16 am

Wednesday 06/19/2019
Canadian CBD Company Is on Explosive Track for Growth
Posted: June 19, 2019

(NewsUSA) - As the CBD industry continues its growth spurt in the United States, new research suggests that it is poised to take off in Europe as well.

Summer Entertaining Hosted By The California Avocado Commission
Updated: June 28, 2019 - 2:59 am

(NAPSI)—With longer days and warmer nights, entertaining becomes almost inevitable during the summer months. Thanks to the abundance of fresh produce, like California avocados, your backyard barbeques, pool parties and beachside picnics will never have to sacrifice versatility or taste.

Tuesday 06/18/2019
The Rise of Digital Wallets and Mobile Payments
Posted: June 18, 2019

(NewsUSA) - More businesses and countries worldwide are embracing digital payments as a way to make e-commerce more efficient and create a smoother transaction experience for consumers.

New Ways to Save Money in Your Digital Life
Posted: June 18, 2019

(StatePoint) We’ve all heard those time-tested ways to save money -- dine out less, sign up for rewards programs or switch off the lights when you leave the room. But in today’s digital world, there are some great ways to save that you may not have thought about.

Friday 06/14/2019
Millennial Successfully Relocates And Buys Second Home at Age 25
Posted: June 14, 2019

(NewsUSA) - Amy bought her first house in Grand Rapids, Michigan at age 23. Fast forward two years and she has since sold that house and relocated to Pittsburgh, Pennsylvania. Two houses in two years at age 25: Here's one Millennial who isn't sacrificing homeownership for mobility. 

Wednesday 06/12/2019
Understanding Your Choices
Updated: June 19, 2019 - 3:04 am

(NAPSI)—For many families, few things are more important than schooling—and an increasing number are taking it into their own hands.

Tuesday 06/11/2019
Agriculture insight: Major players nurture innovation by supporting startups
Updated: July 17, 2019 - 3:16 am

(BPT) - Environmental pressures like drought confront growers across the globe, and they can exacerbate the many other demands growers face. The challenges are intertwined, coming from every direction, including profitability requirements, food-supply-chain demands and nutrient shortages.

Thursday 06/06/2019
The American Dream All Over The World
Updated: June 11, 2019 - 2:41 am

(NAPSI)—Most people know someone who has dreamed of leaving the rigidity of a 9 to 5 job to pursue the flexibility of entrepreneurship. The majority don’t pursue that avenue, and the reasons vary, including financial obligations, time constraints, or fear of the unknown.

Tuesday 06/04/2019
The Best-Kept Secret: 529 Education Savings Plans
Updated: June 28, 2019 - 2:59 am

(NewsUSA) - What you don't know really can hurt you when it comes to paying for your child's college education.

Wednesday 05/29/2019
One Date Parents Shouldn't Ignore: 529 College Savings Plan Day
Updated: June 28, 2019 - 2:59 am

(NewsUSA) - How much will I need for my kid's college education? And how the heck will I pay for it?

Tuesday 05/28/2019
More than Half of Americans are Unprepared for Natural Disasters: Are You?
Posted: May 28, 2019

(StatePoint) Only 39 percent of respondents in a FEMA survey say they have developed an emergency plan and discussed it with their households.

Wednesday 05/22/2019
Six Steps Toward Higher Education
Updated: May 24, 2019 - 2:35 am

(NAPSI)—School vacations can be an excellent time for high school 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. Fortunately, there is a new tool that serves as a free and simple college planning guide for all students, while giving them a chance to win scholarships for each step they take.

Tuesday 05/21/2019
Smart Strategies to Help Pay Off Debt
Posted: May 21, 2019

(StatePoint) From car loans to student loans, credit card balances and other revolving debt, U.S. consumer debt is higher today than ever before.

Monday 05/20/2019
3 tips to make sure your money and information are safe
Posted: May 20, 2019

(BPT) - As cybercrime continues to skyrocket and every day brings news of yet another data breach, many people worry that fraudsters will hack into their bank or credit card accounts and drain their funds or go on a shopping spree. While criminals do directly attack online accounts, the greater risk actually comes from a less obvious source: the telephone.

Monday 05/13/2019
Study up on student scams
Updated: July 17, 2019 - 3:16 am

(BPT) - If you’re in college or high school, chances are you’re working hard to get good grades and earn a little extra money. And while you’re cutting corners living on ramen and frozen pizza, would you want to risk losing any of your hard-earned money to a scam?

Surety Bonds Protect Infrastructure Investment
Updated: June 22, 2019 - 2:51 am

(NewsUSA) - Almost universal agreement surrounds the need to repair or replace America's aging infrastructure of roads, highways, bridges, dams, drinking and wastewater facilities, ports, airports and other essential facilities that ensure the quality of living that Americans expect.

Friday 05/10/2019
Five Tips For Financial Stability In Retirement Years
Updated: May 14, 2019 - 2:37 am

(NAPSI)—Most people have a vision of their golden years that includes a comfortable retirement in which they can spend their time doing the things they enjoy. That dream doesn’t require a substantial amount of wealth, but it is a lot more attainable if you have some financial stability.

Thursday 05/09/2019
Homeless, Starving And Broke, Biz Magnate Shares How He Turned It Around To Make Billions
Updated: May 11, 2019 - 2:40 am

Welcome to the premiere edition of’s “BookBites,” bringing you great ideas for your next read.

Show Mom You Care: Have A Conversation About Long Term Care Insurance
Updated: May 11, 2019 - 2:40 am

(NAPSI)—This year, as you look back at the many years your mother cared for you, consider the possibility that she may require care herself someday. Long term care insurance can help ensure that your mother will get the care she needs, should there come a time when she requires help managing some of the activities we associate with independent living.

Tuesday 05/07/2019
How small businesses are mastering the art of selling online
Updated: July 17, 2019 - 3:16 am

(BPT) - Consumer buying habits have changed dramatically over the years. With the rise of online shopping, many small and medium-sized businesses find it difficult to reach customers in the vast ocean of the internet. To succeed online, businesses need a partner to help them reach a national — or even global — customer base, and to support them throughout the process of building their business and fulfilling increasing demand for their products or services.

Thursday 05/02/2019
Women Prioritize Family Needs Over Their Own Financial Security
Updated: June 21, 2019 - 2:59 am

(NewsUSA) - What's holding women back from doing even better financially than they are?

Wednesday 05/01/2019
Facts On Fixing The Public Education System
Updated: May 03, 2019 - 2:35 am

by Martin Lueken, Ph.D.

How To Get And Keep Smart, Skilled Workers
Updated: May 04, 2019 - 2:54 am

(NAPSI)—If you’re among America’s nearly 28 million business owners—or would like to be someday—here’s some business math it may prove profitable to know: Five will get you 20.

Friday 04/26/2019
What to Think About Before Applying for a Loan
Posted: April 26, 2019

(StatePoint) Whether you’re applying for a new credit card, refinancing a loan or buying a house, lenders consider many factors when making their decision. One of those many factors is your credit score, which helps paint a picture of your credit usage and behaviors over time.

Wednesday 04/24/2019
Beat the Heat and High Energy Bills This Summer [Infographic]
Updated: July 17, 2019 - 3:16 am

(BPT) - When temperatures start going up, so do your energy bills. Follow these tips to save money, while staying cool this summer.

Tuesday 04/23/2019
Let’s Talk Money, Getting the Conversation Started With Kids
Posted: April 23, 2019

(StatePoint) Speaking with your kids about money is not the easiest thing to do, but it can help prevent many problems for them down the line.

Monday 04/15/2019
I Was Told There Would Be No Math: 3 Ways You Use Math Daily
Posted: April 15, 2019

(StatePoint) You may have thought that after graduating from school, you’d never have to think about math again. However, the truth is that math is a central part of everyday life – from baking cakes to drawing up a budget.

Wednesday 04/10/2019
A Growing Urgency: Why Boomers Should Prioritize Retirement Care
Updated: April 12, 2019 - 2:41 am

(NAPSI)—When thinking about retirement, your main focus may center around not being a burden to your loved ones. In fact, 81% of middle-income Boomers have made at least one formal preparation for when they pass away1. However, despite preparing for these expenses, your retirement plan is far from complete.

Tuesday 04/02/2019
Tax reform to present huge changes in 2019, introducing special considerations
Posted: April 02, 2019

(BPT) - Tax reform represents the largest change to the tax code in the last 30 years, impacting virtually everyone, but carrying special considerations for small business owners, the self-employed and employees with unreimbursed business expenses.

Monday 04/01/2019
What taxpayers need to know before the tax filing deadline [Video]
Posted: April 01, 2019

Thursday 03/28/2019
How to Prep Financially When Changing Jobs
Posted: March 28, 2019

(StatePoint) The average American will hold 11.7 jobs between the ages of 18 and 48, according to The Bureau of Labor Statistics. If a job change is on your horizon, remember that a new salary and benefits package bring new financial considerations.

Wednesday 03/20/2019
Nuts, Bolts And Risks Of Data Aggregation
Updated: March 23, 2019 - 2:30 am

(NAPSI)—If putting all your financial information online and in one place sounds like a good idea, there are many companies—often called data aggregators—ready to help you organize your financial life. However, before you share your account information and other sensitive financial details with data aggregators, it pays to know how these services operate and how to protect yourself from potential privacy and security risks.

Monday 03/18/2019
Survey Finds Debt Reduction Top Financial Priority
Updated: March 21, 2019 - 2:34 am

(NAPSI)—A recent survey, conducted by New York Life, found that 72 percent of parents identify debt reduction as a top financial priority. That number is even higher for millennial parents, with 80 percent planning to focus on debt reduction this year.

Friday 03/15/2019
Surety Bond Producers Offer Sound Advice for Construction Firms
Updated: May 14, 2019 - 2:36 am

(NewsUSA) - Commercial construction is a competitive business, and to succeed, contractors need to find the best support and advice possible.

Gini's "Blockchain with A Soul" Is Saving Capitalism
Updated: May 09, 2019 - 2:57 am

(NewsUSA) - "Violent revolutions are inevitable when economic and political conditions become intolerable to the masses," says Ferris Eanfar, CEO of the Gini Foundation. With the rapid rise in wealth inequality and the escalation of economic and social conflicts in recent years, it appears Mr. Eanfar's predictions are coming true.

8 Questions to Ask About a Financial Advisor's Certifications
Posted: March 15, 2019

(StatePoint) Understanding abbreviations is essential, whether you’re texting “LOL” to a friend or asking guests to “RSVP” to a party. In a professional setting, they can provide useful information about an individual’s services and qualifications.

Saturday 03/09/2019
Tax Season Tips to Avoid Scammers and Robocalls
Posted: March 09, 2019

(StatePoint) It’s tax season. The time of year when phone scammers get particularly aggressive trying to trick you out of your hard-earned money. And scam calls and robocalls are a growing problem for everyone. Here are a few tricks to help you dodge scammers and give you peace of mind.

Friday 03/08/2019
Why a Roth IRA May Be Ideally Suited for Millennials
Updated: May 03, 2019 - 2:33 am

(NewsUSA) - When it comes to saving, a Roth IRA may be a Millennial's best friend.

Monday 03/04/2019
Smart Money Tips if You Are Living Paycheck to Paycheck
Posted: March 04, 2019

(StatePoint) Nearly four in five American workers are now living paycheck to paycheck, according to Career Builder. If that describes you, experts say there are steps you can take to live more comfortably and securely.

This Week's South e-Edition

Wednesday July 17

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