Lifestyle
Planning for a Positive Economic Future: Financial literacy tips for teens
Last Updated on May 8, 2025 by Daily News Staff
(Family Features) Financial literacy is a critical skill that helps set the foundation for a stable and prosperous future. By understanding the basics of money management, teens can make informed decisions and avoid common financial pitfalls. According to the annual Teens and Personal Finance survey, a study of teens ages 13-18 conducted by Wakefield Research on behalf of Junior Achievement and MissionSquare Retirement’s Foundation, 45% of high schoolers took a personal finance or financial literacy class at school. This is up from 31% in 2024, indicating the nation’s youth are interested in building a strong financial foundation. What’s more, of the students who took their school’s curriculum, 64% found it extremely or very helpful, yet despite this increase, data reveals knowledge gaps remain. In fact, 42% of teens surveyed are terrified they won’t have enough money to cover their future needs and goals. “There is so much for teens to absorb when learning about finances and planning for their future, they often struggle to envision what lies ahead,” said Andre Robinson, president and CEO of MissionSquare Retirement. “Offering engaging programs that can boost financial knowledge and decision-making skills can only help to inspire young individuals to build a strong foundation of lifelong financial resilience.” Consider discussing these economic topics with your teen to help make a positive impact on students’ financial readiness and get them ready for financial decisions they’ll face in adulthood. Mastering Saving and Budgeting A good starting point for teens is to create a simple budget that tracks income and expenses. Because only 36% of teens surveyed save a part for their futures when they receive money, this can help them understand where money is going and identify areas they may be able to save for the future. This is particularly important considering 68% of teens agree that saving for retirement is something they can think about later in life. Understanding Credit Credit is a powerful tool but can also be a source of financial trouble if not managed properly. It’s essential to understand how financial behaviors, like paying bills on time and keeping credit card balances low, impact their credit scores. A higher FICO score, which 80% of teens surveyed had never heard of or did not fully understand, can lead to better interest rates and more favorable loan terms. Managing Common Debt Pitfalls According to the survey, 43% of teens believe an interest rate of 18% on debt is manageable and can be paid off over time. However, it’s important to understand the true cost of debt and how interest rates can accumulate over time and lead to significant financial strain. Establishing good debt management habits early, such as avoiding high-interest debt and paying off balances quickly, can lead to a healthier financial future. Investing and Planning Ahead According to the survey, teenagers’ most appealing investing strategies are savings accounts, side hustles and keeping cash at home, and only 13% invest a portion of their money. Encouraging teens to learn about different types of investments, such as stocks, bonds and mutual funds, can help them make informed decisions and begin to build long-term wealth. For more information on how to help teens improve their financial knowledge, visit ja.org. Photo courtesy of Shutterstock Discover more from Daily News
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health and wellness
Fact Check: Test What You Know About Heart Health
High cholesterol and age are two significant risk factors for heart disease, which is the leading cause of death in the United States. Test your heart health knowledge and learn more about managing your risk factors, including high cholesterol, with this quick quiz.
Fact Check: Test What You Know About Heart Health
(Family Features) As you age, your doctor’s interest in your cholesterol level is likely to increase. That’s no coincidence. High cholesterol and age are two significant risk factors for heart disease, which is the leading cause of death in the United States. You may not be able to slow the hands of time, but elevated low-density lipoprotein (LDL) cholesterol, also known as “bad” cholesterol, is one of the most significant addressable risk factors for the development of cardiovascular disease. Uncontrolled high LDL-C can lead to death, heart attack, stroke or the need for a coronary revascularization. While statins are considered first-line treatment for people with high LDL cholesterol, an estimated 29% of patients stop taking their statin within the first year, based on findings published in the “American Journal of Cardiology.” Up to 30% of people have some degree of statin intolerance, according to research published in the “Journal of Clinical Lipidology.” Test your heart health knowledge and learn more about managing your risk factors, including high cholesterol, with this quick quiz:1. Do cardiovascular diseases, including heart disease and stroke, claim more lives in the U.S. than all forms of cancer and accidental deaths (the Nos. 2 and 3 causes of death, respectively) combined?
Yes. Cardiovascular disease is the No. 1 killer of men and women in America and worldwide, killing more people than both cancer and accidents each year.
2. According to the American Heart Association, which of the following are true?
- Men are more likely to have heart attacks at a younger age than women.
- Women experience different symptoms indicating potential heart disease.
- Women have a higher risk of fatality because their symptoms are frequently misunderstood or misdiagnosed, leading to delayed treatment.
All are True. While many factors are at play, one major underlying issue is historically, women simply haven’t been well represented in clinical trials of heart-related conditions. However, Harvard Health reports that culture is slowly changing and some of the gaps are starting to close.
3. Does statin intolerance mean statins are not effective?
No. On the contrary, statins are the standard of care to lower LDL cholesterol. However, some people cannot take statins at any dose because of statin intolerance symptoms such as muscle pain, while others may have their LDL cholesterol remain uncontrolled because they are not able to take higher doses.
4. Are women more likely to be statin intolerant than men?
Yes. According to the National Institutes of Health, being female is a risk factor for statin intolerance.
5. If a person is statin intolerant, are there other treatments available to help lower their uncontrolled LDL-C?
Yes. Alternative treatments are available for people with statin intolerance. A health care provider can help explain what options are available if you experience potential statin-associated side effects.
6. Are muscle-related symptoms typically the most common side effect of statins?
Yes. Muscle pains or cramps (myalgias) are the most common symptoms people experience. Your health care provider may run tests or change your medication to address these symptoms.
For more information on statin intolerance, talk with your health care provider or visit statinalternatives.info.How to Lower Bad Cholesterol
LDL cholesterol, commonly referred to as “bad” cholesterol, leads to plaque in your arteries, reducing blood flow and potentially damaging your cardiovascular system. If your bloodwork shows elevated LDL cholesterol levels, you can take steps to reduce it.- Eat a healthy diet low in saturated and trans fats and high in fiber, with an emphasis on fruits, vegetables and whole grains.
- Get at least 30 minutes of exercise daily, and if you carry extra weight, work to lose it.
- Talk to your health care provider about cholesterol-lowering medications, which can help lower bad cholesterol and reduce the risks associated with heart disease.
Culver’s Thank You Farmers® Project Hits $8 Million Donation MilestoneLike: https://stmdailynews.com/culvers-thank-you-farmers-project-hits-8-million-donation-milestone/
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holidays
5 Ways to Make the Holidays Simply Wonderful
Make the Holidays Simply Wonderful: There’s no magic quite like the holidays through the eyes of a child. The season brings countless special moments and opportunities to make lifelong memories, from enjoying tasty holiday treats to exploring traditions with the family. Infuse your festive moments with some extra magic this season with these family-friendly tips.
Last Updated on December 19, 2025 by Daily News Staff
5 Ways to Make the Holidays Simply Wonderful
(Family Features) There’s no magic quite like the holidays through the eyes of a child. The season brings countless special moments and opportunities to make lifelong memories, from enjoying tasty holiday treats to exploring traditions with the family. Infuse your festive moments with some extra magic this season with these family-friendly tips from the experts at Kinder Chocolate, who aim to spark, share and celebrate simply wonderful moments of togetherness between parents and children. Decorate Together Letting your family’s creativity soar is a terrific way to bond and nurture kids’ development. Let them take an active role in bringing festive energy to the household and allow them to make some design decisions, such as stringing lights and choosing the perfect place for ornaments or seasonal decor. You can also create a personalized wreath for each member of the family to display or decorate custom stockings.
Enjoy Magical Treats From candy canes to gingerbread houses and beyond, candy and other edible goodies are integral to the holiday season. This year, make treat time extra special with an option like limited-edition Kinder Chocolate bar x The Elf on the Shelf packs. These special packs feature the beloved Scout Elf character in single, share and mini sizes. Each pack also includes one of eight collectible cards with a special QR code that unlocks “Let’s Story!” – a unique, co-created digital storytelling experience via Ferrero’s free Applaydu app that lets parents and kids build personalized adventures together. Partake in Holiday Traditions ’Tis the season for traditions and creating your own makes celebrating together each year even sweeter. You might make trimming the tree a family affair, encouraging kids to try their hand at decorating or involving everyone to help clean up before a cozy family meal. Many families also make volunteering together an important part of their holiday experience, reinforcing messages about kindness and caring for all ages. Look at Holiday Lights Bringing the family together for special holiday experiences doesn’t have to be grand. In fact, a simple road trip through your hometown to find the most awe-inspiring light displays can bring plenty of fun. You may even find local light shows that synchronize to radio music in your car. Make it an extra exciting family outing by bringing along some hot cocoa and treats like Kinder Chocolate for the car ride. Organize a Family Movie Night Bring the vibrance of the big screen to your living room with an at-home family movie night. For a special touch, consider investing in a low-cost projector that creates a theater-like experience on any wall in your house. Choose a favorite family-friendly holiday movie (or two), some popcorn and treats then settle in for an entertaining evening together. Pick up the limited-edition packs at local retailers, and discover more free, family-friendly ideas to last all season long at elfontheshelf.com/blog. Photo courtesy of Shutterstock (mother and daughter hanging ornaments) 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
STM Daily News is a multifaceted podcast that explores a wide range of topics, from life and consumer issues to the latest in food and beverage trends. Our discussions dive into the realms of science, covering everything from space and Earth to nature, artificial intelligence, and astronomy. We also celebrate the amateur sports scene, highlighting local athletes and events, including our special segment on senior Pickleball, where we report on the latest happenings in this exciting community. With our diverse content, STM Daily News aims to inform, entertain, and engage listeners, providing a comprehensive look at the issues that matter most in our daily lives. https://stories-this-moment.castos.com/
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Stories of Change
The Holiday Spirit Matters But So Does What Happens After
The Holiday Spirit: Holiday generosity is powerful, but community needs don’t end when the decorations come down. Learn practical ways to give back year round—volunteering, donating, sharing skills, and supporting causes you believe in—with help from United Way.
The Holiday Spirit Matters — Why Giving Back Should Last All Year
(Family Features) During the holiday season, many people feel a renewed sense of generosity. It’s a time when communities come alive with food drives, toy collections, volunteer events and donation campaigns – all fueled by the spirit of giving. While this seasonal energy can be powerful, the need it responds to doesn’t fade when the decorations come down. Giving back is not only essential during the holidays; it’s also the foundation of stronger, more resilient communities year round. People in nearly every community face challenges – whether it’s affording holiday presents or meeting basic needs like food, rent and utilities. For many families, current economic strains are forcing them to make tough decisions like sacrificing necessities or depleting savings to create moments of holiday joy.
This is a time to rally support and help neighbors in need. Right now, many community members who didn’t previously need help are seeking support. Acts of generosity large and small help close gaps and strengthen communities. When individuals and businesses give their time, resources and talent, they can help ensure everyone has a fair chance to not only survive but thrive. Communities rely on nonprofit organizations like United Way – one of the oldest and largest organizations committed to tackling local challenges and mobilizing communities to improve lives. With a presence in nearly 99% of communities across the U.S., the organization recognizes the power of giving and relies on seasonal and year-round generosity to deliver food and housing assistance, youth programs, mental health support, disaster recovery and more. This holiday season and beyond, to assist your community consider taking actions such as: Volunteering Offering your time is one way to make a real change in your community while helping build a more resilient future for all. What’s more, research shows the personal benefits of volunteering, such as reduced feelings of isolation, loneliness and risk of depression. Whether it’s a community event, ongoing support or in-person activities, making a difference for others feels good. Donating Sharing your financial resources can play a vital role in helping communities thrive. Your donation can help put food on the table for families in need, support kids who are struggling or provide mental health services to the most vulnerable individuals. Remember, your gift of any size combines with the gifts of others and builds stronger, more resilient communities. Sharing Expertise or Talent Generosity can take many forms. Making a difference isn’t just about time and money; it can also mean sharing skills or knowledge, and even social networks to bolster charitable efforts. Giving back builds a shared sense of responsibility. It reminds people that strong communities don’t happen by accident – they’re created through connection, compassion and collective action. Supporting Causes You Believe In Every community faces their own unique, pressing challenges and almost everyone has a cause that’s close to their hearts. Identify organizations working to advance those causes and make a plan to support them. Find opportunities to support your community this holiday season and make generosity a year-round tradition at unitedway.org/local. Nourishing Our Heroes: Eight Years of Impact at Phoenix VA’s Veggies for VeteransLink: https://stmdailynews.com/nourishing-our-heroes-eight-years-of-impact-at-phoenix-vas-veggies-for-veterans/
Stories of Change: People Making a Difference
Discover inspiring stories of changemakers making a positive impact. Explore videos and articles of people tackling today’s biggest challenges with action and hope. Visit: https://stmdailynews.com/stories-of-change/
STM Daily News is a multifaceted podcast that explores a wide range of topics, from life and consumer issues to the latest in food and beverage trends. Our discussions dive into the realms of science, covering everything from space and Earth to nature, artificial intelligence, and astronomy. We also celebrate the amateur sports scene, highlighting local athletes and events, including our special segment on senior Pickleball, where we report on the latest happenings in this exciting community. With our diverse content, STM Daily News aims to inform, entertain, and engage listeners, providing a comprehensive look at the issues that matter most in our daily lives. https://stories-this-moment.castos.com/
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