Money & Finance

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(NAPSI)—Just as it’s never too early to start planning your retirement, it’s never too late either, according to Hans Scheil, CFP^®, president of Cardinal Retirement Planning, Inc. Many people underprepare for retirement and overlook the critical area of long-term care as part of their retirement plan. 70 percent of people age 65 can expect to use some form of long-term care in their lives, according to the U.S. Department of Health & Human Services. The sooner you address this, the less likely it is that you will have to make important decisions in the midst of a health care crisis.

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(StatePoint) While it is never too early or too late to prepare for retirement, today is always the right day to take action.

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(NAPSI)—The more than 3 million public high school teachers and coaches in the U.S. do a lot for their young charges. They help prepare their students for life after graduation. They teach academic lessons and various skills that students will need to attend college and to enter the job market. They help them stay safe and healthy on and off the field. But there’s something more they can provide that most people haven’t really thought about.

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(BPT) - Millennials are frequently criticized for needing instant gratification, but recent reports point out that they actually have more patience than previous generations. Both the U.S. Census Bureau and Centers for Disease Control and Prevention (CDC) say millennials are delaying getting married and starting a family by almost a decade.

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(NAPSI)—Some 50 million children attend school in America, taught by a little over 3 million full-time teachers, according to the National Center for Education Statistics. Additionally, nearly 620,000 individuals work as substitute teachers and provide continuity in the classroom when the regular teacher is out for personal or professional reasons. In fact, it’s estimated that students will spend one full year of their academic career with a substitute teacher by the time they graduate from high school. But you don’t need to be a math professor to know that quality educators are in high demand.

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(BPT) - The cost of a critical illness — a heart attack, cancer or stroke — can hit thousands of dollars. It can push families to the financial brink, as more than half say they have little or no savings.

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(StatePoint) If you’re like many Americans, you may spend substantial time and energy on general financial planning while overlooking the various ways life insurance may fit into that plan. Life insurance has wide-ranging benefits for people of all ages that you should consider, say experts.

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(NewsUSA) - Sponsored News - Even though they're young, members of Generation Z have experienced the effects of a recession, so it's no surprise they are prone to saving money for a rainy day. Yet one illness or injury that leads to an emergency room visit or inpatient care can result in medical bills that even a savings-conscious person didn't anticipate. To help protect a starter salary or the money that Gen Zers have worked so hard to save for the future, young people should be educated about why voluntary health care coverage isn't just for older generations. It's lifestyle protection for everyone. Learn more at aflac.com.

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(NAPSI)—There is no shortage of reasons why investing in residential real estate can be a good idea: home prices declined during the recent financial crisis, the number of renters has skyrocketed, it’s often considered a stable alternative to the stock market and the list goes on and on.

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(NewsUSA) - Sponsored News - Historically, specialty businesses had limited ability to expand beyond their immediate geographic region. However, current technology allows such businesses to promote themselves to a larger audience. Touch Up Teak is one example of how successful online investment partnerships can grow a business.

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(NewsUSA) - Sponsored News - Like many people, you may have dreamed of winning the lottery and being financially secure for life. However, you don't need to win the lottery to obtain financial security. In fact, that security might just be available through the benefits offered at your job.

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(StatePoint) Renters may be free of some of the concerns and responsibilities of homeownership, but there are a few considerations they should make for financial security and greater peace of mind.

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(NewsUSA) - That contractors routinely overbill governments at the expense of taxpayers may come as no surprise. That these overbillings likely total hundreds of billions of dollars should shock and infuriate us all.

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(NewsUSA) - Sponsored News - Technology continues to change the way businesses operate, and that includes how they find resources to get started, fund growth and find a buyer. DPOUSA is one example of the latest paradigm in funding business opportunities. DPOUSA is an online financial platform connecting companies with capital sources, buyers with sellers, and people seeking business opportunities. DPO stands for "direct public offering," and DPOUSA.com is designed to allow individuals to present their businesses directly to potential investors. The ventures can range from startups to large enterprises, and the online platform has sections for each stage of the business life cycle. The site reflects the new business paradigm: It is accessible 24 hours a day, seven days a week, 365 days a year for users interested in acquiring, funding or investing in new ventures.

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(NewsUSA) - Sponsored News - New research shows that small-business employees are among the happiest people in the workplace. One major reason for their happiness stems from the way many small-business owners show workers how much they appreciate, respect and value them on a professional and personal level. Opportunities offered by small businesses, such as a family atmosphere, flexible work schedules and a greater understanding of how current goals fit into long-term plans for the company, may be harder to come by in larger companies. Small businesses can play to their strengths by frequently communicating and taking action in areas where their employees see opportunities for improvement. Learn more at aflac.com/smallbusiness.

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(BPT) - Last year, college campuses across the country had 2.1 million recent high school graduates walk through their doors — a number that will likely be matched in 2016. But a freshly printed campus ID isn’t the only plastic eager students will carry this fall. A recent survey commissioned by USAA found that as parents send their children to college, most make sure their kids pack at least one credit card in their wallets.

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(NAPSI)—According to the Bureau of Labor Statistics, health care jobs are projected to grow to 2.3 million from 2014 to 2024. That would suggest that now may be a good time to start preparing for those positions.

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(NewsUSA) - Sponsored News - She's not just "daddy's little girl" anymore. And this Father's Day, it turns out that both millennial daughters and their Boomer dads could profit by sharing financial advice with each other.

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(NewsUSA) - Sponsored News - Do your kids have your back? Apparently more so than many of you think.

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(NAPSI)—Changes in the way small and midsized companies are regulated by the Affordable Care Act (ACA) could make a substantial difference to some 60 million workers and their families—and both they and their employers could benefit.

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(BPT) - Selling a car for cash should be simple, safe and able to navigate without roadblocks; however, there is no shortage of sneaky techniques that are employed to scam car sellers. Through hiding supplementary fees in the fine print, car buying businesses can leave car sellers spending anywhere from $10 to $300 in unexpected fees — a disappointing loss in an anticipated profit. With the numerous car buying companies competing for business in a niche industry, it is difficult for a car seller to discern which company is the correct choice; however, there are many things that a seller can be aware of to ensure that they are making the best decision.

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(NewsUSA) - Sponsored News - Have you ever been prescribed medication by your healthcare provider, only to arrive home and find that you're unsure about the possible side effects? Or the correct dose? Or the risk of taking the new medication together with other medicines you already use? Have you ever felt too embarrassed -- or too rushed -- to clarify medication information or instructions with your provider?

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(NewsUSA) - Sponsored News - As the health care needs of consumers continue to evolve, it's important to look for insurance offerings that provide more holistic support outside the usual health, dental and vision policies. Consumers should be aware that there are plans available today that will aid in their overall well-being, which includes physical and financial health. Value-added services, such as fraud protection, telemedicine and benefits management support, provide solutions that make life easier - not just when the unexpected happens, but every day. For more information, visit www.aflac.com/aflac-business-solutions.

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(NAPSI)—The nation’s youth can go hog wild and bring a pig to market—all in a quick visit to their local fairgrounds. For the fourth consecutive year, CME Group and National 4-H Council are sponsoring the interactive Commodity Carnival booth at 150 county and state fairs to teach youth about the risks of raising and bringing a farm animal to market. This year, that animal is a hog.