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Digital Literacy Tips for Older Adults

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Older Adults

(Family Features) If current trends continue, decades of gentle teasing and jokes about older adults’ confusion with technology may be on their way out. Not only do digital tools and technology help this generation stay connected to family and friends, but technology is also making it more practical for these individuals to remain independent and age in place.

Older Adults Digital Literacy

Assistive and health-related technology is also on the rise, according to a “U.S. News & World Report.” Tools like medical or health apps, wearable trackers, hearing devices and some smart home products make it easier and safer for older adults to age in place. 

Whether for social, practical or entertainment purposes, growing your confidence with technology and digital tools can be a slow, steady process that allows you to increase your comfort level while building a solid understanding.

Boost your digital literacy with these tips from the tech experts at Cox Communications:

Find resources that allow you to participate in digital literacy education. Many community groups offer classes geared toward older adults, and you can also find resources from internet providers. If you’re comfortable searching the internet, you can also find support groups and user-friendly guides online. 

Slow down.When it comes to digital literacy, the internet can be fast-moving, which can be overwhelming for older adults who are not used to the environment. The pace can also expose you to the risk of cybercrime. Approaching online activity in small bites may help you take in a manageable amount of information and process it before piling on more information. 

Research options. With so many technology devices and services available, it’s possible, and even advisable, to explore the various options before making a purchase or signing an agreement. Consider the features you need against your budget to make the best choice. For example, options like Cox Communications’ Connect Assist program can help you find fast, reliable and affordable internet plans to fit within your retirement budget.

Take breaks. Digital media can become addictive for older adults; with so much to see and learn, it’s easy to lose literally hours. That’s why it’s a good idea to take a balanced approach and limit the time you dedicate to your smartphones and computers each day. 

Use digital media to improve connections.Social media and online groups can add social connectivity, but this digital interaction shouldn’t replace your personal relationships. Be sure to prioritize live social connections, and don’t use digital media in place of conventional in-person connections that can provide important benefits for your overall physical and mental health.

Stay informed about cybercrime. Because of their limited experience with technology, older adults are major targets of cybercrime. Stay informed about methods and tactics used by these criminals so you can protect yourself, your identity and your assets.

Use strong passwords. If your memory isn’t what it used to be, you may be tempted to repurpose your passwords so you don’t have to remember as many. Unfortunately, that approach may mean that if someone figures out how to access one account, they have access to many more. Create passwords that are a mix of letters, numbers and symbols and write them down in a safe place. Generally, it’s best to avoid using easily guessed information like birthdays and names of children.

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Be cautious about what you read and share online. If something seems questionable, verify it with multiple sources before accepting it as true.

Explore more resources for older adults in this digital age at cox.com/digitalequity.

Photo courtesy of Shutterstock

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SOURCE:
Cox Communications

Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.

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4 Ways to Preserve Veterans’ Stories for Future Generations

Family stories, photographs, letters and memories all have a place in the broader story of humanity, but if they aren’t recorded and preserved, they can fade over time. Consider these ways to help the veterans in your life preserve their stories and leave their mark on history. Preserve Veterans’ Stories for Future Generations

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4 Ways to Preserve Veterans' Stories for Future Generations

4 Ways to Preserve Veterans’ Stories for Future Generations

(Feature Impact) History is built from stories and memories, which is why it’s important to listen to the people who were there as the world changed. Family stories, photographs, letters and memories all have a place in the broader story of humanity, but if they aren’t recorded and preserved, they can fade over time.

Because more than 70 years have passed since the Korean War ended, opportunities to hear firsthand accounts from earlier conflicts grow fewer as time passes. Veterans and their families may be able to help record stories and lessons from “The Forgotten War” that might otherwise be lost.

You don’t need to be a historian to help preserve your loved ones’ memories and experiences. Programs like the Library of Congress Veterans History Project are dedicated to collecting stories from people like Private First Class Robert Lawrence Barber, who wrote regular letters home to his mother while serving in Korea. They paint a harrowing picture of combat, exhaustion, cold, fatigue and the stark realities of war that should never be forgotten. Experiences away from combat can be equally revealing, from daily routines and friendships to unexpected challenges.

Consider these ways to help the veterans in your life preserve their stories and leave their mark on history.

Start the Conversation Now

When it comes to recording memories, time is of the essence, especially for those who served in Korea. Decades may have passed, but each day makes a difference. Sit down with your loved one and gently start the conversation. You don’t have to get the entire backstory at once, but you can begin asking questions about their military experience and give them time to gather their thoughts.

18193 detail embed2Record Their Story

How a story is told can add dimension to the story itself. An audio or video recording preserves your loved one’s voice, expressions and emotions along with their words, giving your family memories to look back on for generations. Choose a quiet, comfortable space and test the equipment before recording.

Consider Preserving the Story Beyond Your Family

Family stories are most meaningful to those who know and love the storyteller, but they also matter to the world. Sharing veterans’ stories – including difficulties and ordinary moments – offers others a firsthand view of military life. Libraries and oral history archives may be able to preserve qualifying material for a wider audience.

“We want all stories, not just those from the foxhole or the battlefronts, but from all veterans who served the United States in uniform,” said Monica Mohindra, director of the Veterans History Project. “What did they hear? What did they see? What did it mean to them?”

If you have oral history interviews, and/or original photographs, letters or other records, consider contributing them to be archived and made accessible to future generations. Staff members are available to help you curate and select physical materials to contribute to the nation’s library.

Give Old Photos and Letters Context

Brush the dust off those old photo albums, scrapbooks and memory boxes because they may contain tangible pieces of history. A photograph, letter or piece of memorabilia could be what a veteran needs to bring fuzzy memories back into focus – whether it’s seeing the face of an old comrade or reading a letter written home. That gives you the opportunity to hear new stories and fill in context.

Learn more, discover veterans’ histories and find instructions for contributing veterans’ stories at loc.gov/vets.

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Photo courtesy of Shutterstock (man looking at photo album)

Photo courtesy of the Library of Congress (group of soldiers)

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SOURCE:

Library of Congress Veterans History Project

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Beyond the Piggy Bank: How to Build Your Child’s Financial Future

Your Child’s Financial Future: When money is tight, saving for the future can feel out of reach. Rent, groceries and bills come first, but building something for your kids doesn’t have to start with your paycheck. For millions of families, there’s already money waiting.

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Beyond the Piggy Bank: How to Build Your Child's Financial Future

Beyond the Piggy Bank: How to Build Your Child’s Financial Future

(Feature Impact) When money is tight, saving for the future can feel out of reach. Rent, groceries and bills come first, but building something for your kids doesn’t have to start with your paycheck. For millions of families, there’s already money waiting.

Michael and Susan Dell put $250 into the 530A (Trump) Accounts of 25 million children across the United States. Children born between 2016-2024 who live in eligible ZIP codes received the money. Families didn’t have to apply, and they don’t have to pay anything back.

“Every American child now has their own investment account,” said Matt Lira, executive director at Invest America, a nonprofit that helps families understand investing. “It’s in your child’s name, it’s built to grow and it’s theirs from the very start. That’s a real stake in America’s future. Claiming it takes a few minutes, and your child begins life as an owner.”

U.S. children under 18 with valid Social Security numbers already have accounts in their names, and any money in it is invested so it can grow over time. You just need to claim it. Download the official app, available on iOS or Android, or go to the official website then sign in as a parent or guardian to access your child’s account. You can choose to add money if you want, but it’s not required. Claiming the account also lets friends, family, employers and others contribute.

“Parents and grandparents, please claim your child’s account,” said Susan Dell, co-founder of the Michael & Susan Dell Foundation. “These accounts are ready. They’re waiting for you, and they have money in them. Claim your child’s account and start adding money to their account and preparing a wonderful future for them.”

Money Lessons That Don’t Cost a Thing

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Claiming the account is the first step. Helping your child understand it is the next. When kids know they own something that can grow, money lessons stop feeling abstract. These everyday habits can help them make the most of it:

  • Let them see how you make choices. You probably already compare prices, stretch a grocery budget and decide what can wait. Talk through those choices out loud. When kids hear why you picked the store brand or skipped something this week, they can learn how to tell needs from wants.
  • Give them a little to manage. Birthday money, a few dollars for chores or earnings from mowing lawns or babysitting are all chances to practice. Let kids decide how much to spend and how much to save then talk about how it went.
  • Explain saving vs. investing. Saving is putting money aside for something you want soon, like a bike. Investing is letting money grow over many years. For example, 530A (Trump) Accounts are a real-life example of investing that kids can check a few times a month to see how money grows.
  • Talk about what they dream of.Ask your kids what they want someday, like a car, college, a trade, their own business or a home. Knowing they have money saved or invested can help them dream bigger, because those goals start to feel possible instead of out of reach.

Small Amounts Still Count

If you’re ever able to add something to an investment account, even a few dollars now and then, it has years to grow. Relatives can help, too. A small amount on a birthday or holiday adds up over a childhood. However, if adding money isn’t possible right now, that’s OK.

“In America, small beginnings can become extraordinary things,” Michael Dell said. “When we invest in children’s futures, we invest in America’s future. We are so excited to see what they build.”

Claim your child’s account today through the official app or at TrumpAccounts.gov.

Common Questions About 530A (Trump) Accounts

What is a 530A (Trump) Account?

It’s a free investment account for U.S. children under 18 powered by the U.S. Treasury. It’s in your child’s name. The money in the account is invested in hundreds of America’s biggest companies at once, so it has the chance to grow over time without you having to pick anything. The account also has tax benefits. The money can grow for years without being taxed along the way, which helps it grow faster.

Does my child have one?

U.S. children under 18 with valid Social Security numbers were signed up automatically, and nearly 70 million children already have accounts. You just need to claim your child’s account to track its value over time and help it grow. You just need to claim your child’s account to track its value over time and help it grow.

How do I claim it?

Download the official app on your smartphone or visit the official website. You’ll confirm some information and claim the account. It only takes a few minutes, and it’s free.

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Do I have to put money in?

No. Adding money is always possible, but claiming an account allows other people to contribute, even if you don’t.

Can other people add money?

Yes. Parents, grandparents, other family members, friends and even employers can add money. The total limit is $5,000 per child per year. Other government or charity programs may add money in the future, too.

How were children chosen for the $250 from Michael and Susan Dell?

Families did not apply, and children were not picked one by one. The foundation started with the lowest-income ZIP codes, based on U.S. Census data, and kept adding ZIP codes until it reached 25 million children. Learn more about eligibility at investamerica.org/dell.

My ZIP code wasn’t included. Does my child still have an account?

All U.S. children with a Social Security number have an account. The ZIP codes only decided who got the extra $250.

When can my child use the money?

At 18, your child can decide what to do with it. They can keep it growing for retirement or use it for things like school or buying a first home. 

Photos courtesy of Shutterstock

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SOURCE:

Invest America

Michael and Susan Dell Foundation

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Navigating the American Dream: How Integrated Financial Tools, Credit and Rewards Can Help Small Businesses Succeed

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Last Updated on November 9, 2026 by Daily News Staff

Navigating the American Dream: How Integrated Financial Tools, Credit and Rewards Can Help Small Businesses Succeed

(Feature Impact) Owning a small business has been a cornerstone of the “American Dream” for generations. It represents the chance to transform a passion into a livelihood and legacy. However, turning dreams into reality is rarely a smooth or easy process and requires more than ambition alone. Today’s business owners need support and access to tools that enable them to overcome challenges and keep growing.

Recent research conducted by the Capital One Insights Center shows 75% of more than 1,000 surveyed small business owners with more than one employee and annual revenues of up to $20 million are confident about the future, and 69% believe their business is actively primed for growth.

While this optimism is promising, 47% of business owners still said their operations either stayed the same or became less efficient over the past year, citing issues like back-office friction and fragmented financial systems that make it difficult to get a clear picture of the health of their businesses.

If you’re a small business owner eager to grow but not sure how to get there, start with this advice from real small business owners and experts at Capital One.

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Identify Sources of Friction

Before you can pour effort into growth, you must understand what barriers are holding you back. Take time to look under the hood of your business to identify where time and energy is being lost.

For example, you may be among the 78% of small business owners who feel stressed and uncertain about expense management – think hours spent hunting for receipts, manually entering numbers into software and reconciling accounts. Operational challenges aren’t just a hassle; they also pull attention away from important priorities like serving your customers and planning for growth.

“We were focused on making as many candles as possible, especially during the busy season,” said Katie Roering, co-owner of Fontana Candle Co. “A lot of the back-office tasks like procurement, raw material purchasing, forecasting – all the really important things – were done at 3 a.m., 8 p.m. or on Saturday and Sunday, and there really just was not enough time in the day to get everything done that we needed to. We just knew as we continued to grow, we needed to streamline our processes, build out our team and keep moving forward.”

18096 B detail embed2Use Integrated Tools to Manage Finances

Instead of balancing 10 different tracking and analysis tools, you can turn to one-stop solutions to improve efficiency. Time gets lost when you’re forced to manually gather and interpret relevant data before you’re able to act. You need a platform that handles the busywork for you.

https://stmdailynews.com/beyond-the-leaf-pile-4-tips-for-autumn-lawn-care/

Integrated, or “all-in-one,” financial tools – like accounting and bookkeeping platforms with automation capabilities or business credit cards featuring built-in analytical tools – allow you to easily stay on top of cash flow and day-to-day operations. For small businesses where every hour and dollar makes a difference, consolidating and automating systems can have an immediate impact. In fact, 51% of survey respondents said integrated tools have already fueled their growth.

Leverage Credit Access and Rewards Wisely

Growth requires capital, so access to credit is a game-changer for many business owners, with 77% describing it as a key factor in achieving business resilience. Having funds accessible when you need them makes your business more capable of weathering storms such as equipment failures and seasonal slowdowns. It also puts the power in your hands to act when an exciting opportunity presents itself, like an inventory flash sale or the chance to advertise in a new market.

Access to credit comes with another advantage: rewards. By using credit cards for your daily business expenses, you can earn cash back, points or travel rewards. Whether you redeem these to cover everyday expenses, book business trips or reinvest in the business, they can act as a bonus source of income. Learn to maximize rewards like the 84% of small business cardholders surveyed so you aren’t leaving money on the table.

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To learn more about how small business owners can identify obstacles, employ integrated financial tools and use credit as a tool for growth, read the full report at capitalone.com/about/insights-center.

Photos courtesy of Shutterstock

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SOURCE:

Capital One

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