Digital Cash Can Aid Marital Money Management

(NewsUSA) – You may be happy with your honey, but the happiest of couples can argue over money.Financial issues are one of the most cited causes of conflicts in a marriage, and financial problems, including debt and disagreement about money management, are among the top issues in divorce as well.Merging your life, including your financial life, with someone else’s can be challenging, but setting up a solid financial plan early in marriage can help preserve harmony and nip money conflicts in the bud. Data from Ameriprise Financial show that at least one-third of couples disagree about money at least once a month on topics including savings and discretionary spending.Fortunately, today’s technology offers new options to help couples navigate shared and individual finances. More American couples now maintain separate bank accounts instead of, or in addition to, joint accounts, and the latest banking apps offer flexibility, security, and ease of use. MovoCash is one example of a digital payment card platform that offers consumers with a variety of financial life hacks as alternatives to traditional banking services. Anyone in the U.S. can open an FDIC-insured MOVO card account that is easy to use and doesn’t require gold-plated credit.MOVO’s easy design offers a simple financial strategy for couples: each partner can open a separate account for immediate spending needs and personal discretionary purchases, and the couple also can maintain a joint account for major expenses such as savings, bills, and home expenses. Purchases and payments can be made quickly and directly from a phone.In addition, funds can be transferred instantly between MOVO accounts, and the system allows for direct deposits to manage incoming paychecks and outgoing payments. The MOVO card can be used anywhere Visa is accepted, so that cuts down on the use of credit cards and the potential debt of credit-card bills. The app helps users track transactions and monitor balances, making it easier to avoid overspending and stick to financial goals while leaving room for each partner’s pleasure purchases.For more information about MOVO’s mobile banking options, visit you married with MOVO? Contact and tell us how you use it, and you have a chance to be featured in a future article.

Low-Cost Internet Program Helps Connect Families, Veterans

(NewsUSA) – Most of us can’t imagine life without Internet service at home. We use it every day for news and entertainment, as well as to research healthcare options for our families; to connect with friends and family; to search and apply for jobs, scholarships, or schools; or to shop and save time.Unfortunately, many low-income households in this country aren’t connected and they’re missing out on the life-changing resources the Internet has to offer.According to the U.S. Census American Community Survey, 81 percent of U.S. households have broadband Internet access, but only 63 percent of those with annual incomes of less than $35,000 do.For the past seven years, Comcast has been on a mission to do something about this so-called "digital divide" through its acclaimed Internet Essentials program, which has become the largest broadband adoption program for low-income families across the U.S.The program has had an enormous impact on families and their children and, since its inception, more than six million low-income Americans have been connected.To put that in perspective, six million people is larger than the populations of each city in America except New York City. While the numbers can be numbing, the individuals who have benefitted all have their own stories to tell."Low-income people face problems when it comes to accessing technology and a lot of people are left behind," says Pam Ogglesby, an Internet Essentials customer."I signed up for the program and I now see what I was missing. I feel connected now and it’s all because of Internet Essentials. I think this is going to change my life drastically. I intend to use the Internet to learn new things."In the beginning, Internet Essentials was offered to low-income families with children eligible to participate in the National School Lunch Program. Eligibility has also been extended to low-income seniors in more than a dozen markets, as well as to those households receiving HUD-housing assistance, which includes HUD’s Public Housing, Housing Choice Voucher, and Multifamily programs.This year, the company is expanding eligibility again to low-income veterans living within the Comcast service area. About a third of the veterans in the U.S. do not have Internet access at home, and only about 60 percent even own a computer, according to the U.S. Census American Community Survey, creating a need for better options for the veteran community. As a result, more than one million veterans across Comcast’s footprint are estimated to be eligible.Comcast’s Internet Essentials program works with community partners to break down the main barriers to Internet access – lack of affordable service; lack of a computer or other device; and lack of digital training by providing high-speed Internet service for $9.95 a month plus tax, the option to purchase an Internet-ready computer for less than $150, and free digital literacy training in print, in person, and online.To apply, visit, or call 1-855-846-8376. For Spanish-only speakers: call 1-855-765-6995. 

Microsoft Destaca La Innovacion Y La Transformacion Cultural

(NewsUSA) – Microsoft se unirá a Hispanicize LA por segundo año consecutivo. El evento, diseñado para creadores de tendencias y creadores de noticias latinos, tendrá lugar en Los ?ngeles del 11 al 13 de octubre, y dos ejecutivos de Microsoft abordarán algunas de las últimas innovaciones e ilustrarán la transformación cultural en Microsoft.Los temas y oradores son: Conocimientos técnicos Ir de empleo de ensueño a empleo de ensueño Diego Rejtman, director general de Microsoft Global University Recruiting, en esta sesión inspiradora, expresará cómo utilizar la empresa para la que trabaje o para la que trabajará en el futuro, como una plataforma para alcanzar sus sueños. Diego también debatirá acerca de cómo combinar todas nuestras pasiones en el trabajo puede mejorar nuestra satisfacción en el trabajo y nuestra productividad, así como compartir algunas de las habilidades que se buscan activamente al reclutar jóvenes talentos latinos, y qué es lo que más lo más interesante del talento en Los ?ngeles.Cuándo: viernes 12 de octubre de 2018, 10:40 a. m. PTDónde: Grand Ballroom, InterContinental Los Angeles Century City – 2151 Avenue of the Stars Los ?ngeles, CA 90067 CNET en Español, Comida de los cinco años + Asamblea tecnológica Dioselin Gonzalez, director sénior de ingeniería fue invitado por CNET en Español, para unirse a la discusión durante la sesión "The Next Big Things in Tech".La conversación la moderará Gabriel Sama, editora jefa de CNET en Español, y se centrará en inteligencia artificial, realidad mixta y tendencias tecnológicas.Cuándo: viernes 12 de octubre de 2018, 12:45 p. m. PTDónde: Grand Ballroom, InterContinental Los Angeles Century City – 2151 Avenue of the Stars Los ?ngeles, CA 90067Para aprender más sobre los temas que Microsoft explorará durante el evento de Hispanicize, visite Microsoft Latinx ( conversación de Microsoft Latinx continúa en línea en Facebook y Twitter. Siga a @MicrosoftLatinx utilizando #MicrosoftLatinx. 

Five Secrets You Should Know Before Becoming A Teacher

(NewsUSA) – A career in teaching is one of the most demanding and challenging jobs that exist today. For those considering this path, the decision may be fraught with questions, and some not easily answered.That said, if becoming a teacher is the direction you want to take, there are some things you need to know, especially if you are considering online schools:* It’s doable. It may seem overwhelming, but online schooling has become better with each passing year. You can keep your job while taking classes online. And if you already work in the field or have taken classes before, take placement tests and move on to new classes and information.* It’s affordable. Cost is a big setback for many students today. Online schools help people take part in higher education without many of the costs associated with a traditional college experience.For example, Western Governors University (WGU) is a nonprofit school that has a record of high placement with more graduates employed five years after they earn their degrees compared to the national average, according to’s competency-based learning model makes it possible for students to fit studying into their busy lives. Students complete courses as soon as they demonstrate that they have mastered the subject matter, enabling them to move quickly through material they already know and spend more time focusing on what they still need to learn.* It’s gratifying. As everyone knows, teachers make a difference. Every time you feel stressed about classes, focus on why you want to become a teacher — to see the smiles on students’ faces, to be a role model for students, and to do what you love.* It’s financially beneficial with a master’s. A benefit of online schooling is that you can continue your education while educating others. In addition to furthering your abilities in the teaching field, a master’s degree will help you earn more money.Teachers from elementary to high school make about $7,000 more per year with a master’s degree, according to"By earning a master’s degree, you also have the option to take on more advanced roles in the field of education, and these positions typically come attached with higher salaries," Masters in Teaching says.* It’s possible to achieve balance. Another advantage of online classes is that you can balance your life at work, home and school. Of course, adding to your schedule will keep you busy, but you can attend classes while sitting at home or on your lunch break. With a few tweaks to your schedule, you can manage your time to fit it all in."Choosing to become a teacher may be one of the more noble decisions one can make in life," says."Teachers have the ability to shape the lives of children and young adults of varying ages and in a variety of learning stages." 

Football Frenzy: Quick Tips to Spice Up Football Season

(NewsUSA) – It’s the time of year to unpack the crockpots, pull out your team colors, and break out that Sunday football attire because football season is back!As autumn approaches and school is back in session, many families start to gear up for those weekends of tailgating. If you’re looking for some creative ways to wow your tailgate attendees or throw an awesome football party, follow these tips that are sure to be a hit. * Celebrate National Tailgating Day: The first Saturday of September is recognized as National Tailgating Day. From team colors to face paint and a spread of the best finger foods, watching your favorite team dominate and showing team spirit has never been easier. Consider adding a lean protein to any dish to keep those tailgaters energized all day. By using a crock pot for turkey chili or buffalo chicken dip, transporting food is mess- and hassle-free.* Sunday Football Snacks: NFL football season is around the corner and that calls for viewing parties filled with family and friends. Make your family room couch the go-to Sunday headquarters with football party food for everyone. Weather permitting, dust off the grill and pile up the charcoal because no party is complete without meat. Barbecue Chicken, Spicy Buffalo Wings or even Teriyaki Pulled Pork all cook well over a flame.If you’re looking to step away from the grill, consider using Sub Sandwich Kits from Land O’Frost. The Sandwich Sub Kits make 6 to 10 sandwiches and come in five different flavors, including Smoked Ham & Oven-Roasted Turkey, Italian-Style, Honey Ham & Honey Smoked Turkey, Primo Italiano and Black Forest Ham & Turkey.For a savory taste to last the whole game, make your own favorite sub sandwich.* Step Up Your Sweet Side Dishes: Take care of your sweet tooth by filling up bowls with honey-roasted cashews, M&M’s or yogurt-dipped raisins to satisfy all those sugary cravings.To get creative, try baking desserts in football form. Some crowd favorites include cookies and cream football cheese ball, cream-filled chocolate donuts, football-shaped cookies, or football s’mores brownie batter dip.With these go-to tips, your next tailgate is sure to be a success — And may the best team win.For coupons and more information about recipe ideas for the whole family, visit

Volunteer Fire Departments Work to Reach Next Generation

(NewsUSA) – Volunteers make up more than two-thirds of the nation’s fire service and protect their communities from a wide range of emergencies. Yet many fire departments are having difficulty meeting the staffing needs that an all-hazards department requires.Call volumes have skyrocketed in recent years, tripling over the last three decades. At the same time, many fire service veterans are reaching retirement age, while there are fewer new recruits coming into the ranks.Department leaders are looking to recruit the next generation to fill the gap and step up to serve their community in a unique and rewarding way.A survey conducted by the National Volunteer Fire Council (NVFC), the national nonprofit association representing the volunteer fire and emergency services, found that 44 percent of people between the ages of 18 and 34 have an interest in volunteering as an emergency responder. A barrier to people taking action on this is awareness: the same survey found that 79 percent of people do not know if their department needs volunteers."Many people don’t realize that their department is staffed by volunteers or that they need more volunteers," says NVFC chair Kevin D. Quinn. "We are working to get the word out that we need more people, and that anyone wanting to serve their community can be a fire service volunteer."Millennials, as the 18-34 age group is commonly referred to, are one key demographic that volunteer fire and emergency service departments are trying to reach. With more than 80 million people, this demographic will play a crucial role in the success of the volunteer fire service."Millennials make great firefighters and emergency volunteers. They work hard, learn fast, are technologically savvy, and are used to balancing multiple responsibilities," says Quinn. "It is this generation that is really where the future of the fire service lies. They are our leaders of tomorrow."The younger generation is also finding that there are many benefits to being a fire service volunteer. For one, it provides a meaningful way to give back to the community. Volunteers also learn skills that they can use in many aspects of their personal and professional lives. In addition, many volunteers find the sense of community and family that exists in the fire service to be one of its biggest draws.Volunteer firefighters are a diverse group of people who come from all backgrounds, professions, ages, genders, races, and ethnicities. Anyone with the desire to serve can find a volunteer role in the fire service. It is mainly about having the heart and drive to make a difference where it’s needed most.New recruits are trained by the department. Fire departments typically respond to a variety of emergency calls, which may include fires, medical emergencies, search and rescue, natural disasters, hazardous materials incidents, vehicle collisions, terrorist threats, and other public service calls. Many departments also provide community services such as fire prevention education.The NVFC has created the Make Me A Firefighter campaign ( to help departments with recruitment efforts, educate the public about the need for volunteers, and connect potential volunteers with their local fire department."We encourage anyone interested in volunteering to visit," says Quinn.To view the video, click here.

Daughters in the Workplace Need More Support

(NewsUSA) – For the millions of women caring for an aging adult while balancing a full-time job, it can be a struggle to juggle conflicting demands.In fact, a new survey by Home Instead, Inc., franchisor of the Home Instead Senior Care network, found that one in four daughters in the workplace report that her career growth has suffered because of being a caregiver, feels her supervisor is unsympathetic to her caregiving responsibilities, and feels that there is a negative stigma associated with time off for elder care.There is much that can be done to address this problem.Employers can provide support and resources to help daughters and sons feel empowered at their jobs and working caregivers can educate themselves on the policies and resources available to them. Home Instead created Daughters in the Workplace, available at, a free resource for working caregivers and their employers.Here, caregivers can test their knowledge on caregiving benefits with the "Can you take time off work to care for Mom?" interactive quiz.Furthermore, working caregivers can use the following tips to help feel more empowered at work:1. Be realistic. Understand how much you can do.2. Honesty is the best policy. Be honest with yourself and your employer about what you need.3. Think creatively. Think outside the box to offer solutions that work for you and your employer.4. Get plenty of rest. Well-rested, you can get more done and be increasingly confident in handling daily challenges.5. Take one day at a time. Caring for an older adult is an unpredictable job and one that often calls for a measured approach.6. Arrange for help including respite care. Check with your Area Agency on Aging ( for community resources, or contact your local Home Instead Senior Care office ( to learn how professional caregiving could help you.7. Educate your employer. Do what you can to explain the kinds of challenges you are facing.8. Look for ways to give back. If your employer offers flexibility and help, think about ways to pay it forward with your manager and co-workers.9. Be organized. Honing your organizational skills could go a long way toward staying on top of your job and easing your anxiety.10. Find support. Connecting with others going through the same circumstances could be meaningful.To explore additional resources for Daughters in the Workplace and their employers, including the interactive quiz, visit or find a Home Instead office near you by going to

Liquid Assets: Water Testing for Household Well Owners A Snap

Easy Well TestingTesting one’s drinking water can be intimidating to a household well owner, but it can be easy if you know a few basic steps, says the National Ground Water Association (NGWA).

If you are concerned about your well water, these three steps can help get owners the appropriate tests for contaminants that might present a health risk — or create taste, odor, or appearance problems:

1. Determine what you should test for in your water.

2. Obtain a reliable water test.

3. Get an interpretation of your test results so you can take any appropriate action.
An excellent place to start learning more about these three steps is the NGWA website,

5 Steps to Selecting the Right Medicare Plan

Five words or less(NewsUSA) – Sponsored News – For people with Medicare, it’s time to select a 2017 Medicare plan. The Medicare Advantage and Prescription Drug Plan annual enrollment period runs from Oct. 15 to Dec. 7. It’s the time to research your options and select the plan that best fits your health needs and budget.
Here are five simple steps to help you make the best decision:
1. Review your current Medicare health plan. Analyze how much you’ve spent on health care during the past year, including hospital expenses, prescriptions and doctor bills. This helps you benchmark your 2017 health-care expenses and determine if your current Medicare plan still meets your needs.
2. Select the type of Medicare plan that best fits your needs. Options include:
* Original Medicare, which provides basic coverage for medical expenses without coverage for most prescriptions, and includes cost-sharing in the form of deductibles and coinsurance. This is Medicare Parts A and B.
* Medicare Advantage, which includes all of the coverage offered under Original Medicare through a private insurer, and may include extra benefits, such as dental, hearing and vision coverage, a nurse advice line and fitness program, as well as prescription drug coverage. Medicare Advantage plans are steadily gaining popularity, with the number of enrollees more than tripling since 2004 to 17.7 million or nearly a third of Medicare beneficiaries, according to the Kaiser Family Foundation. This is Medicare Part C.
* Medicare Prescription Drug Plans, which offer coverage for prescription medications, and can be added to Original Medicare, a Medicare Supplement (Medigap) plan or a Medicare Advantage Plan that does not include prescription drug coverage. This is Medicare Part D.
* Medicare Supplement Plans, which pay some costs not paid by Original Medicare, such as deductibles and coinsurance. Enrollment in a Medicare Supplement plan is not limited to the Medicare Annual Enrollment Period and these plans do not have a set provider network.
3. Comparison Shop. Once you choose the type of Medicare plan that best fits your needs, research the costs, benefits and network of doctors and hospitals associated with each plan. Check to see if your hospital and doctors are included.
4. Consider the “extras” included. Some Medicare Advantage plans include extra benefits, such as a fitness program and exercise classes specifically designed for people with Medicare. Others include dental, vision and hearing benefits. Determine how important these extra benefits are to your lifestyle and wellness needs.
5. Seek help. Shopping for a Medicare plan can be daunting, but there are resources available to assist you. You can call 1-800-MEDICARE (1-800-633-4227) or TTY: 1-877-486-2048 24 hours a day, seven days a week for 2017 Medicare plan information. And websites like and can help you research plans available in your area before the Dec. 7 Medicare Advantage and Prescription Drug Plan annual enrollment deadline.
Humana is a Medicare Advantage HMO, PPO and PFFS organization and a stand-alone prescription drug plan with a Medicare contract. Enrollment in any Humana plan depends on contract renewal. This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply. Benefits may change on January 1 of each year.

Millennials and Health Care

Five words or less(NewsUSA) – Sponsored News – Growing up in the digital age, most millennials (adults ages 18 to 36) have grown dependent on using technology to educate themselves about everything from current fashion trends to the latest rankings for their favorite football team. However, one important aspect of life that can’t be as easily explained by a smartphone is health care. Since having comprehensive benefits is a major workplace perk, it’s important that millennials understand key insurance terms so they can make the best health care decisions. Learn more at

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