-
1 month ago | 
schwab.com | Cindy Scott
Financial literacy means understanding the basics of money management to help you make better financial choices. Key aspects of financial literacy include goal-setting, budgeting, saving, credit management, and investing. A former client once told me, "I earn money, and I spend it." That was the extent of her financial knowledge. She knew she should be doing more with her money, but what?
-
Jan 22, 2025 | 
schwab.com | Cindy Scott
If you're on TikTok—or even if you're not—you may have heard of the no-spend challenge. The idea has gone viral especially among Millennials and Gen Z. It's basically a commitment to pay for essentials only during a certain time period—two weeks, a month, a year—whatever works for you. If you're into challenges, the idea may be intriguing. On the other hand, it could sound a little intimidating.
-
Dec 4, 2024 | 
schwab.com | Cindy Scott
Recently I bought a rug online. When I was paying, up pops an offer for Buy Now, Pay Later, or BNPL, as it's commonly known. BNPL lets you pay off your purchase in several installments—generally interest free—and still get delivery right away. While I've seen this type of offer many times, this time it made me stop and think. This was a $1,200 purchase, and it might be tempting if I was in a cash crunch to spread my payments out over a few months. But what if it was a small purchase?
-
Oct 30, 2024 | 
schwab.com | Cindy Scott
TikTok may be great for fashion tips, but financial advice? I say slow down. We can go down a lot of rabbit holes with social media, and when it comes to your money, you don't want to be sucked in. Don't get me wrong. The internet can be a great resource, and I applaud people for searching out information. Having financial information readily available is one of the top reasons Americans are highly confident in their investment strategies, according to the Schwab Modern Wealth Survey.
-
Sep 14, 2024 | 
healthnews.com | Cindy Scott |Sandra Vigelienė
Is there sugar in my toothpaste? This is a question many of us have never thought to ask. But in a world where sugar is added to practically everything, it may just be the right question. While toothpaste definitely has a sweet flavor, it is not the traditional table sugar you are tasting. Almost all toothpastes commercially available today are technically sugar-free. The American Dental Association in its traditional form because sugar increases the riskof cavities.
-
Aug 20, 2024 | 
healthnews.com | Cindy Scott |Sandra Vigelienė
If you purchase via links on our site, we may receive. However, our experts carefully research and evaluate each product or service, ensuring it meets our quality standards. Probiotics have become a popular topic for overall health and wellness. And as the science continues to grow, new products become available to help with various conditions. Among these products are dental probiotics.
-
Aug 7, 2024 | 
schwab.com | Cindy Scott
I have six siblings and 30 cousins. So, believe me, I've been asked for a loan—many times. Since we're a two-income family with no kids, not even a pet, we're often able to help. And we want to. We have a heart for helping and giving, and not just through charitable donations, but also by helping individuals. For example, when some families in Arkansas lost their homes in a big storm, we were there for them. When my in-laws needed a loan to start a new business, we could invest in their goal.
-
Jul 31, 2024 | 
schwab.com | Cindy Scott
If you're in the market for a home, you're probably also in the market for a mortgage loan. And the type of loan you get is super important. There are five basic types of mortgage loans to consider:FixedAdjustable ConventionalJumboGovernment-backedThat may seem like a lot, but there's good reason to take the time to get all the facts. For most families, buying a home is the single largest expenditure they'll have. It's not like buying an iPad or a cell phone you can turn over in a couple of years.
-
Jul 23, 2024 | 
healthnews.com | Cindy Scott
A healthy smile can help make a great first impression. But keeping your teeth and gums healthy for a beautiful smile takes work. Red light therapy has been growing in popularity for use in dermatology and other parts of the human body. While the evidence is extremely limited, some studies are now suggesting potential therapeutic applications in dentistry, including managing conditions that affect the gums. Let's find out what you should know about red light therapy for gum health.
-
Jul 5, 2024 | 
healthnews.com | Cindy Scott
Home whitening products have been around since the late 1980s. Promising a whiter and brighter smile, they quickly grew in popularity. Let's take a closer look at the world of whitening with whitening strips. These tiny, flexible strips promise a big punch in the at-home whitening game. Their convenient design makes them easy to use. But before you do, it’s crucial to understand how whitening strips work, their effectiveness, and just how safe they are.
