(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   SOURCE: Junior Achievement  

BALI, Indonesia, April 4, 2025 /PRNewswire/ — Celebrate Easter and the upcoming school holidays with an unforgettable beachfront getaway at Sheraton Bali Kuta Resort. With a refreshed lobby, a vibrant social lounge at &More by Sheraton, and the newly renovated “PlayHouse” kids club, the resort blends premium comfort with family-friendly fun in the heart of Kuta.

Wake up to the gentle sound of waves and breathtaking ocean views from your private balcony, setting the perfect tone for a memorable family escape. The Suite Experience package offers spacious comfort with a sofa bed, kids’ tent amenities, a one-time minibar, VIP perks, and a special family room setup. Begin your day with a lavish buffet breakfast, fueling adventures for the little ones at PlayHouse, where 20+ activities keep them entertained, while parents unwind by the infinity pool or enjoy curated moments with the Side by Side program. Afternoons invite relaxation and indulgence with the Jewelry Box Afternoon Tea, a delightful treat for the whole family. Families can also enjoy 15% off dining, including the famous Sunday Social Brunch, where kids dine free. As the sun sets, the revitalized lobby offers a warm, inviting space for coffee, pastries, and social gatherings, while &More by Sheraton sets the scene for a perfect evening with live music, handcrafted cocktails, and stunning views of Kuta Beach. Savor authentic Italian cuisine at Bene Italian Kitchen, sip signature drinks at &More by Sheraton, or explore diverse culinary delights at Daily Social, all with panoramic ocean vistas. Just steps from Beachwalk Shopping Center, local markets, and the iconic WXYZ Bar at Aloft Bali Kuta, the resort offers the perfect balance of relaxation and excitement. Whether an Easter egg hunt by the beach or a sunset cocktail, every moment is designed for lasting memories. Ashley Lai, Cluster General Manager of Sheraton Bali Kuta Resort & Aloft Bali Kuta at Beachwalk, shares “It’s more than a place to stay, it’s a destination. With refreshed spaces, family-friendly experiences, and unmatched dining, we create moments that last a lifetime.” Enjoy the Marriott Bonvoy Fast Track program, become a member and register by April 14, 2025, to earn 1,000 bonus points and 1 Elite Night Credit per night. For more information visit Sheraton Bali Kuta Resort.   SOURCE Sheraton Bali Kuta Resort

(Family Features) Throughout history, humans’ ability to rely on one another has been crucial to survival. Despite modern developments that help individuals live with minimal human engagement, the human need to connect remains. However, in many parts of America, a trend toward isolation is emerging. Over the past two decades, people are spending more time alone and less time engaging with others in person, according to data from the Office of the U.S. Surgeon General. One segment of Americans at particular risk of social isolation, loneliness and their negative impacts are select populations who live in rural areas. “There is an urgent need to take action and improve mental health in rural America,” said Jeff Winton, dairy farmer and founder and chairman of Rural Minds, a nonprofit mental health advocacy organization that partnered with Pfizer to raise awareness about the physical and mental risks of social isolation. “Challenges to mental health can be inherent in a rural lifestyle, including a belief in self-reliance as a virtue, fear of judgment and difficulty getting an appointment with a limited number of mental health professionals, among others.” Many Americans are increasingly spending more time alone according to the American Time Use Survey. They are increasingly more likely to take meetings, shop, eat and enjoy entertainment at home, making it easier for them to stay within their own four walls and avoid social interactions. Authentic human connection is a basic but often unacknowledged necessity for health, “as essential to survival as food, water and shelter,” according to the U.S. Surgeon General’s Advisory on the Health Effects of Social Connection and Community. Understanding Social Isolation According to the Centers for Disease Control and Prevention (CDC), about one-third of U.S. adults reported feeling lonely and about one-fourth said they don’t have social and emotional support (the basis of social isolation). The concepts of social isolation and loneliness can go hand-in-hand, but the two are actually quite different. Social isolation is defined by an absence of relationships or contact with others. Someone experiencing loneliness may or may not have social connections, but lacks feelings of closeness, support or belonging. Despite the distinction, both can have a negative impact on a person’s mental and even physical health. Several factors can influence a person’s risk for social isolation and loneliness. “Social connection is a dynamic that changes over time,” said Nikki Shaffer, senior director, occupational health and wellness, Pfizer. “Transient feelings of loneliness or solitude may be beneficial because they can serve as motivation to reconnect. However, chronic loneliness (even if someone is not isolated) and isolation (even if someone is not lonely) can represent significant health concerns.” Isolation in Rural America Compared to people who live in urban areas, many rural Americans experience higher rates of depression and suicide but are less likely to access mental health care services, according to the “Health Disparities in Rural America: Current Challenges and Future Solutions” study published in “Clinical Advisor.” What’s more, CDC data shows suicide rates among people living in rural areas can be 64-68% higher than those in large urban areas. Rural areas have 20% fewer primary care providers compared to urban areas, according to a report in JAMA, and the Health Resources and Services Administration reports more than 25 million rural Americans, more than half of rural residents, live in mental health professional shortage areas. Among rural counties, 65% lack a psychiatrist. Nearly 30% of rural Americans don’t have internet access in their homes, which complicates the option for telehealth. These figures from Rural Minds exemplify the challenges facing rural America. “Some people in rural communities still don’t understand or accept that mental illness is a disease,” said Winton, who grew up on a rural farm. “Rather, a mental illness can often be viewed as a personal weakness or character flaw. A lot of the stigma around mental illness results in unwarranted shame, which adds to the burden for someone already suffering from mental illness.” Health Impacts of Social Isolation Loneliness is far more than just a bad feeling; it harms both individual and societal health. In fact, loneliness and social isolation can increase the risk for premature death by 26% and 29%, respectively. Lacking social connection can increase the risk for premature death as much as smoking up to 15 cigarettes a day or drinking six alcoholic drinks daily. In addition, poor or insufficient social connection is associated with increased risk of disease, including a 29% increased risk of heart disease and a 32% increased risk of stroke. Social isolation is also associated with increased risk for anxiety, depression and dementia. Additionally, a lack of social connection may increase susceptibility to viruses and respiratory illness. Learn more about the impact of social isolation, especially on residents of rural areas, and the steps you can take to reduce isolation and loneliness by visiting ruralminds.org.

Boost Your Social Connections

Take a proactive approach to combatting social isolation and loneliness with these everyday actions that can promote stronger social ties.

• Invest time in nurturing your relationships through consistent, frequent and high-quality engagement with others. Take time each day to reach out to a friend or family member.

• Minimize distractions during conversation to increase the quality of the time you spend with others. For instance, don’t check your phone during meals with friends, important conversations and family time.

• Seek out opportunities to serve and support others, either by helping your family, co-workers, friends or people in your community or by participating in community service.

• Be responsive, supportive and practice gratitude. As you practice these behaviors, others are more likely to reciprocate, strengthening social bonds, improving relationship satisfaction and building social capital.

• Participate in social and community groups such as religious, hobby, fitness, professional and community service organizations to help foster a sense of belonging, meaning and purpose.

• Seek help during times of struggle with loneliness or isolation by reaching out to a family member, friend, counselor, health care provider or the 988 crisis line.

  Photos courtesy of Shutterstock   SOURCE: Rural Minds and Pfizer