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The Warren Record: Money & Finance

Money & Finance

Top Story

When It Comes To Investing, Are You A Bull Or A Bear? Or Are You More Of A Narwhal, Or A Mason Bee?

(NAPSI)—Investing experts typically refer to two iconic animal mascots when talking about investor sentiment, the Bull and the Bear. If you’re “bullish,” you think stocks are going up and you invest aggressively. If you’re “bearish,” you expect stocks to go down and you look for more conservative investments to wait out the storm. Either way, you know what you want and you invest accordingly.

  • icon Updated: February 15

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Having a pet is a lot of responsibility, and we’ll help by giving you lots of tips and tricks! More >>



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Enjoy the crosswords challenge in our free daily puzzles, from the harder Sunday crossword to the quicker daily. More >>



Every Sudoku has a unique solution that can be reached logically. Enter numbers into the blank spaces so that each row, column and 3x3 box contains the numbers 1 to 9. More >>

Recent Headlines

Tuesday 02/13/2018
America's Retirement Score Hits All-Time High
Updated: February 13, 2018 - 4:30 pm

(NewsUSA) - American savers are more financially prepared for retirement than they've been since the dawn of YouTube. And Millennials deserve an extra special shout-out for how much money they've been socking away.

Sunday 02/11/2018
Small-business & self-employed surprises at tax time [Video]
Posted: February 11, 2018

Friday 02/09/2018
Survey: Biggest concerns if tax refund is delayed [Video]
Posted: February 09, 2018

How retailers can build trust and relevance in their communities
Updated: February 17, 2018 - 4:34 am

(BPT) - Over the past decade, technology has reshaped the retail industry in profound ways. Ninety-six percent of Americans are now shopping online, according to a recent study from CPC Strategy. Which means today’s business leaders face increasing pressure to keep retail spaces relevant and engaging for customers.

Get The Fair, Accurate And Substantiated Credit Report You Deserve
Updated: February 10, 2018 - 4:33 am

(NAPS)—Every year, millions of Americans are denied loans for homes and cars due to errors on their credit reports. While a late payment or derogatory mark from a creditor may seem harmless, it can have long-standing consequences on your credit, most notably your credit score.

Tuesday 01/30/2018
Know The Basics About Virtual Currencies
Updated: January 31, 2018 - 4:34 am

(NAPSI)—The recent run-up in price for Bitcoin and other virtual currencies has piqued investors' interest. However, the U.S. Commodity Futures Trading Commission (CFTC) advises investors to understand the risks that go with virtual currencies before adding them to their portfolios.

Three Steps Toward A Better Retirement In 2018
Updated: January 31, 2018 - 4:34 am

(NAPSI)—For seniors who have already entered retirement, there are some important things that can be done in 2018 to make it better and more fulfilling:

Friday 01/26/2018
Is A Self-Paced, Competency-Based Education Right For You? Here Are The Six Questions You Should Ask Yourself.
Updated: January 27, 2018 - 4:33 am

by Laurie Dodge

Tuesday 01/23/2018
How you can improve your FICO Score
Updated: January 30, 2018 - 4:34 am

(BPT) - Anyone who has tried to borrow money to purchase a car, buy a home or open a revolving line of credit may be familiar with the term FICO Score. Most lenders use this scoring model, which essentially determines a person’s creditworthiness.

Five Tips To Save Time & Money This Tax Season
Updated: January 24, 2018 - 4:35 am

(NAPSI)—Taxes are inevitable, but there are many smart ways to save time and money throughout the process. Marsha Barnes, a certified financial social worker, financial educator and certified credit report reviewer, helps identify five important tips to consider:

Friday 01/19/2018
University Students Compete for Top Prize in Global Trading Competition
Updated: January 19, 2018 - 4:31 pm

(NewsUSA) - CME Group's 15th Annual Trading Challenge is kicking off, and university students from all over the world will put their trading skills to the test. The stakes are high as teams are competing for a cash prize and a trip to Chicago for a day of education and networking.

Thursday 01/11/2018
5 tax tips for the self-employed
Posted: January 11, 2018

(BPT) - Self-employment offers the perks and benefits of not working for someone else, but often means taking on risks and becoming responsible for providing a valuable product or service, generating income and having a steady customer base. With all of this considered, along with the newly enacted tax law, filing your taxes should be the last of your worries, so consider these five tax tips to breeze through the tax process.

Get Help Tapping Talent
Updated: January 12, 2018 - 4:35 am

(NAPSI)—Employers looking for qualified and highly skilled workers may be missing out on an untapped talent pool-people with disabilities. Individuals with disabilities can offer employers a competitive edge, helping diversify and strengthen their workplaces through creativity, innovation and proven problem solving. They are also dedicated—studies show that employees with disabilities stay at jobs longer—thus reducing the time and cost involved in retraining and replacing personnel.

Monday 01/08/2018
Tips To Help You Buy A Home Despite Student Debt
Updated: January 10, 2018 - 4:35 am

(NAPSI)—There's good news for young people hoping to buy their first home. A recent National Association of Realtors® (NAR) survey found that buying a house while carrying student debt is not impossible. In fact, 41 percent of recent first-time buyers had student debt, with a typical balance of $29,000.

Wednesday 01/03/2018
Growing your business? These 3 financing mistakes can cost you big
Updated: January 11, 2018 - 4:38 am

(BPT) - Starting a business can be tough. Growing one can be even harder.

Tuesday 01/02/2018
Is A Debt-Free Life Possible?
Updated: January 02, 2018 - 4:30 pm

(NewsUSA) - Leslie Balfaqih couldn't believe how much money she and her husband wasted every month. "Our financial life was a mess," Leslie says from her home in Florida.

Wednesday 12/27/2017
Tax Survey: Top 3 Things Americans Would Rather Do [Video]
Updated: January 04, 2018 - 4:33 am

Survey: DIY taxpayers willing to take on stress to save money [Video]
Updated: January 04, 2018 - 4:33 am

Friday 12/22/2017
3 documents you need to create your estate plan
Posted: December 22, 2017

(BPT) - While creating a will and other estate planning documents may not be top of mind, it's a concern you should take seriously. You don’t need celebrity-sized assets to be concerned that a lack of estate planning on your part could cost your beneficiaries dearly. And that’s just one compelling reason to create an estate plan. To get started, you’ll need three core documents: a power of attorney, living will and health care proxy, and a last will and testament.

Thursday 12/21/2017
Solving 5 pain points in the homebuying process
Posted: December 21, 2017

(BPT) - When it comes to buying a home, the beauty of the process is truly in the eye of the beholder. Some people see the opportunity to start a new life, live their dreams and make memories that will, quite literally, last a lifetime. Others get caught up in the problems associated with the home purchasing process, including its myriad pain points, some of which are listed below.

Wednesday 12/20/2017
5 Ways to Improve Your Financial Plan
Updated: December 20, 2017 - 4:34 am

(StatePoint) Spending too much and saving too little? Getting out of your current financial rut can feel daunting without the right habits and tools. Here are five ways to improve your financial plan now.

Tuesday 12/19/2017
You Can Get On Track For Retirement
Updated: December 20, 2017 - 4:34 am

(NAPSI)—There's good news for anyone worried about saving for retirement—you already have what it takes to be a smart saver!

Monday 12/18/2017
How to Age with Optimism
Updated: December 18, 2017 - 4:30 pm

(NewsUSA) - Having a "glass half full" approach to life has long been considered important for overall wellness. But evidence suggests that there may be truth in this folk wisdom.

7 Steps to Get Financially Fit in 2018
Updated: January 24, 2018 - 4:30 pm

(NewsUSA) - As 2017 draws to a close, you may be thinking about next year's resolutions. While many of us vow to get to the gym, you may want to consider getting fit in your personal finances before 2018 even begins.

Friday 12/15/2017
22 million strong: 4 ways to make VA loans work for you
Posted: December 15, 2017

(BPT) - If you’re a veteran, active military member or reservist, you’ve likely heard about all the benefits offered with VA home loans.

New Benefits and Insurance Options You Can Expect in 2018
Updated: December 15, 2017 - 4:36 am

(StatePoint) Ever wondered whether your insurance policy was actually working for you? You may be in luck, as your insurance plan may start to follow the same trends being adopted in other industries: simpler, more convenient and personalized products – all supported by the latest mobile technology.

Thursday 12/14/2017
Are Fewer New Year's Financial Resolutions A Worrisome Sign of Inertia?
Updated: December 15, 2017 - 4:36 am

(NewsUSA) - Blame it on things being too good?

Wednesday 12/13/2017
'Tis the season: Holiday gifting and budgeting strategies [Infographic]
Posted: December 13, 2017

(BPT) - The Coinstar Holiday Survey, conducted among 2,000 U.S. adults, reports that the majority (65 percent) will set a budget this holiday season. The holiday infographic showcases results including budgeting and shopping strategies, creative gift giving, the “Scrooge” effect as well as ways to recover post-holiday if budget limits are exceeded.

Growing need for ag expertise: Not all high-paid careers are on the farm
Updated: December 21, 2017 - 4:39 am

(BPT) - (BPT) – As the farming industry faces growing consolidation in the U.S., one might get the impression fewer jobs are now available in agriculture.

Thursday 12/07/2017
PSAT/NMSQT Gives Students Learning Tools And Opportunities
Updated: December 08, 2017 - 4:33 am

(NAPSI)—Every year, some 4 million students take the PSAT/NMSQT, a valuable part of preparing students for college success. When the results come in, they get so much more than a score—they get an invitation to productive practice and a connection to distinct benefits and opportunities to support their journey to college.

Wednesday 12/06/2017
5 tips for working adults returning to college
Updated: December 15, 2017 - 4:36 am

(BPT) - Most working professionals want to advance their skills, land that promotion and get a raise. However, some 36 million adults face a significant barrier to achieving their goals and aspirations: They still need to complete a significant amount of coursework in order to earn a college degree.

3 Reasons to Consider Refinancing Your Auto Loan
Updated: December 06, 2017 - 4:35 am

(StatePoint) Most people know they can refinance their mortgage, but less than half are aware that they can also refinance their auto loan, according to a study by Harris Poll for Ally Financial. It’s a simple task that could reduce your car payments by about $1,300 a year.

How to Talk Money With Your College Student on Break
Updated: December 06, 2017 - 4:35 am

(StatePoint) While college students earn their degrees, paving the way for future success in their chosen fields, they should also be paving the way for a healthy financial future.

Tuesday 12/05/2017
5 ways digital natives are giving our lives a mobile makeover
Posted: December 05, 2017

(BPT) - Their heads may be buried in their smartphones, but don’t be fooled; the youngest generation is changing the world as we know it, one emoji at a time.

Monday 12/04/2017
How to Be A Better Medicare Patient
Updated: December 04, 2017 - 4:30 pm

(NewsUSA) - The doctor is in. But are you prepared to make the most of your appointment?

Here's Something Your Life Insurance Company May Be Hiding From You
Updated: December 05, 2017 - 4:34 am

(NAPSI)—American seniors are postponing retirement, primarily for financial reasons. Unfortunately, many experience unexpected health problems and ultimately shorter life spans, according to a recent report from Bloomberg—fortunately, you don’t have to be among them. More seniors are exploring creative options to generate the cash needed to pay off bills, finance vacations or deal with health care expenses.

Thursday 11/30/2017
How Much Will This Holiday Season Cost You?
Updated: November 30, 2017 - 4:34 am

(StatePoint) According to one festive and fun annual economic indicator, the cost of this holiday season for shoppers is not expected to rise a significant amount over last year.

How to Cut Through the Chaos and Stay Organized in the New Year
Updated: November 30, 2017 - 4:34 am

(StatePoint) Want to be better organized this year? From making and keeping appointments, to completing your to-do list, there’s no reason to get overwhelmed. Try these tips and tools for a more organized 2018, no matter how much chaos is thrown at you.

Wednesday 11/29/2017
Beyond the diploma: Helping teens forge their futures
Updated: December 07, 2017 - 4:36 am

(BPT) - What’s the key to optimism? From a career standpoint, it’s having a vision where you see yourself climbing and thriving, and you know there will be a place in the world for your skills and knowledge.

Easing Senior Loneliness - It's More Important Than We Think
Updated: November 29, 2017 - 4:42 pm

(NewsUSA) - Social isolation is a little-thought-of, but growing, factor in the health and well-being of people 65 and older - and it may play a greater role than obesity as a public health hazard, according to research at Brigham Young University.

How Young Men Can Improve Their Futures
Updated: November 30, 2017 - 4:34 am

(NAPSI)—Many high school and college students and their families don’t realize it, but the road to a good education and career can begin with a single, simple step: registering with the Selective Service.

Monday 11/27/2017
Buying life insurance can be complicated. But it doesn't need to be
Updated: December 05, 2017 - 4:34 am

(BPT) - Getting insurance can be famously complex and time-consuming. Whether it’s life, health, automobile or home, it takes time to understand what coverage you need and how to get it. As a result, it’s easy to put off items that don’t feel truly urgent until it’s too late.

Doing The Right Thing Matters
Updated: November 27, 2017 - 4:30 pm

(NewsUSA) - Equal pay for equal work tops the list of concerns expressed by respondents for Aflac's third annual Corporate Social Responsibility (CSR) survey. Consumers and investment professionals were asked what companies can and cannot do while claiming to be socially responsible. 

Wednesday 11/22/2017
Between The Farm And Your Table: The Finance Behind Thanksgiving Dinner
Updated: November 23, 2017 - 4:35 am

(NAPSI)—When you sit down to a Thanksgiving feast this year, you may not be thinking about the global financial markets that helped land the meal on your table. The ingredients in your favorite stuffing, the butter in those mashed potatoes and even the gasoline in the car that got your relatives to your door, all cost something. What goes into determining these prices?

Friday 11/17/2017
Top Tips For Retirement Planning In Your 40s, 50s and 60s
Updated: November 18, 2017 - 4:35 am

(NAPSI)—For some, retirement may still be down the road, but planning for your future should happen at every age.

Wednesday 11/15/2017
4 questions to ask your financial advisor right away
Updated: November 16, 2017 - 4:35 am

(BPT) - Let’s face it: Finances can be complicated. Whether opening a new investment account, saving for your child’s college fund or rolling over a 401(k), sometimes you need professional financial help.

How To Be Prepared In Case The Housewarming Party Isn't The Only Surprise In Your New Home
Updated: November 17, 2017 - 4:34 am

(NAPSI)—No matter how thorough your home inspection, the odds are your new house will reveal a surprise shortly after you move in.

Tuesday 11/14/2017
Choosing Health Care Benefits - a Chore or a Labor of Love?
Updated: November 14, 2017 - 4:31 pm

(NewsUSA) - If you're like most Americans, you probably view benefits open enrollment as somewhat of a chore. After all, 67 percent of employees describe shopping for benefits as complicated, long or stressful according to the 2017 Aflac WorkForces Report.

Voluntary Insurance Can Help Keep Employees
Updated: November 14, 2017 - 4:31 pm

(NewsUSA) - How can employers keep their best workers when increasing salaries isn't necessarily an option?