(NewsUSA) - Demand for apartments is at a record high, with renters signing new leases and renewing their existing stays in droves. Residents’ expectations have also increased as they want their renting experience to be as seamless as the rest of their online life. That means integrated technology, financial wellness tools and rewards for their loyalty.

RealPage, the leading provider of AI-enabled software platforms to the real estate industry, is addressing the needs of modern residents through an innovative technology called LOFT. RealPage created this new mobile app as a one-stop solution for a fulfilling apartment lifestyle from leasing to living, with easy move-in guidance, a financial wellness platform and a loyalty program to earn rewards when residents pay rent on time. Residents can pay their way, through their digital wallet, by snapping a picture of a check or splitting it into smaller chunks. Since launching in early 2025, RealPage’s LOFT is already being offered by more than 500 apartment properties across America, giving more than three million residents access to LOFT, with many more to come.

“Residents, and especially digital natives, demand digital experiences as part their apartment living lifestyles,” said Isabelle Meyer Stapf, RealPage Senior Vice President and General Manager, Payments. “Through LOFT, RealPage is prioritizing financial wellness for renters, bringing them solutions to earn rewards, make flexible rent payments and build their credit.”

LOFT also simplifies the renter’s journey from leasing to living. LOFT Leasing is a first-of-its-kind leasing experience that guides residents through application, approval and signing – with AI capabilities to streamline the back and forth. LOFT Moving enables a simplified moving experience for residents with a configurable moving checklist and integrations with local providers to order utilities, internet and moving services. And LOFT Loyalty allows residents to earn points for paying rent online and on time with any payment method. Residents can then redeem those points for rewards from airline and hotel travel to local restaurants and movie theatres.

Property managers find value in LOFT, as their residents have one app for all of their essential tasks. Jess Molasky, Chief Operating Officer of Ovation, a RealPage customer who owns and manages apartments throughout the country added, “If I can reward my residents to show up, if I can reward my residents to make payments on time, and again, if I can have that stronger relationship because their moving experience was a good one, we become their ally.”

Visit loftliving.com to learn more.

Photo caption: New LOFT app by RealPage allows residents to earn rewards for paying rent on time and the ability to make flexible rent payments, all while building credit

(NewsUSA) - As the new year approaches, many people will be setting financial resolutions with hopes of improving their financial health – whether it's saving more, paying down debt, or investing wisely. However, despite the best of intensions, new research by financial services firm Edward Jones reveals that a variety of factors often prevent these resolutions from sticking.

According to the research, more than half of Americans (56%) who made a financial resolution in 2024 abandoned it because of price increases caused by inflation. While those surveyed expressed optimism about keeping their financial resolutions in 2025, more than half (55%) said inflation was their main challenge to financial accountability in 2024, and nearly the same (56%) expressed concern that inflation could derail their financial goals in 2025.

"Sticking to your financial resolutions can be incredibly challenging, especially when inflation puts added pressure on everyday expenses," says Bryan Piccirillo, Financial Advisor at Edward Jones. "In a climate where costs are rising faster than wages, it's more important than ever to set realistic financial goals, even when the odds seem stacked against you."

Across generations surveyed (from Gen Zers to Baby Boomers), Americans said they are confident (81%) in their ability to keep their financial resolutions next year and  they say they will prioritize building up emergency savings and paying down debt in 2025. Although saving for retirement is less of a priority, 21% of Gen Xers said they expect to plan for it during the coming year, according to the survey.

Additionally, approximately one-third of survey respondents (33%) said they planned to spend the same amount on investments in 2025 as in 2024, while 22% said they plan to increase investment spending.

A financial advisor can help develop strategies to turn your financial resolutions into realities, by building a plan to help reduce debt through consolidation, tools for building an emergency fund, and boosting contributions to retirement accounts.

In the Edward Jones survey, approximately half of respondents (50%) believe that working with a financial advisor would help them stay on track. No matter how you are balancing your budget, a financial advisor can help you weather periods of inflation without sacrificing your short-term and long-term goals.

For more information and to find a financial advisor near you, visit: www.edwardjones.com.

(Lindsey Johnson, Consumer Bankers Association President and CEO) - The end of the year is the perfect time to review your full financial picture and consider any changes. With over 4,000 banks in the U.S. competing for your business, you have more options than ever to take control of your finances—whether it’s budgeting, improving your credit, or saving in challenging times.

Managing life's big expenses 

If you're struggling with debt as the year ends, you're not alone—life is expensive! Fortunately, there are many different resources available to you to help you get back on track.

For credit card debt, the Consumer Financial Protection Bureau (CFPB) recommends that you first contact your credit card company directly. They can often provide a similar, less expensive solution than debt settlement companies, offer tips for budgeting, and provide hardship programs that can include lower monthly payments. Another good option is to work with a nonprofit credit counselor, who can help negotiate with your creditors on your behalf and help you manage multiple debts.

It’s also important to know the risks associated with for-profit debt settlement companies that use aggressive advertising and sales tactics and may leave you deeper in debt than you were when you started. Learn more at https://www.aboutdebtrelief.com/.

Overdraft services help customers in a pinch

Another tool banks offer is overdraft services, which cover transactions that exceed account balances. For many consumers—especially the one in five Americans without access to credit—overdraft is a lifeline for essential expenses like rent and utilities when faced with an unexpected expense shock.

Many banks have made big changes to improve overdraft policies, introducing innovative tools designed to reduce fees and give you more visibility into your finances, including:

• Fee elimination: Decreased or eliminated overdraft fees entirely in some cases for consumer accounts.
• Grace periods to give you time to bring your account balance back to positive before a fee is applied.
• Overdraft cushions or “buffers” that let you avoid fees for smaller transactions.
• Daily limits on the number of overdraft fees charged to prevent unexpected financial strain.

As you think about your New Year’s resolutions and evaluate your financial situation, the innovations offered by America's banks can be useful tools to reduce stress and help you stay on top of your finances.

(NewsUSA) - A majority of American women view themselves as the “Chief Financial Officer” of their family, but less than half report taking an active role in investment decisions, based on a survey from financial services firm Edward Jones in partnership with Morning Consult and NEXT360 Partners.

The survey included nearly 6,000 people between the ages of 25 and 71 years. This group is often referred to as the “sandwich generation,” to reflect many who are caring not only for children, but also caring for elderly parents or other relatives. Approximately half (48%) of the survey respondents said that they feel financial strain.

The goal of the survey was to examine women’s roles in their families and their finances, and the challenges that come from balancing both, according to a press release announcing the survey findings.

Nearly two-thirds (64%) of the respondents said that caregiving duties have negatively impacted their ability to save for their financial goals, and 57% reported taking on fewer professional responsibilities due to caregiving, resulting in a loss of potential income.

“While many women want the choice and ability to have careers, be caregivers and be the CFO of their families, balancing the responsibilities of health, family, purpose, and finances have significant trade-offs,” said Vanessa Okwuraiwe, Principal at Edward Jones, in the press release.

Many of the women surveyed are the sole caregivers their households; 46% reported being the sole caregiver for their children, and 54% said they were the sole caregiver for parents or relatives. Additionally, 56% reported feeling that they do not have enough money to support their children and/or older relatives. A majority put a priority on saving for long-term expenses, notably caregiving (75%), child education (72%) and healthcare (81%). However, only 42% reported having sole responsibility for investment decisions, and 26% reported sharing this role with another member of the household.

Two-thirds of the respondents (65%) said that more time and fewer caregiving responsibilities would boost their confidence in planning for their financial future, and 51% said that a financial advisor would be helpful.

"Women want a financial professional who gets them, guides them, and can make things easier,” said Mona Mahajan, Principal and Senior Investment Strategist at Edward Jones.

“Working with a financial professional can help women set their short- and long-term financial goals with a clear path to achieve them," she added.

For more information, visit: www.edwardjones.com/womeninvestors.

(NewsUSA) - America’s business owners are facing increasingly complex challenges, not only tracking the nuts and bolts of the daily tasks that come with owning a business, but keeping up with things like technology and managing healthcare costs for employees. However, many business owners have not made plans for the future of their business, based on a survey from financial services firm Edward Jones in partnership with Morning Consult and NEXT360 Partners.

Approximately half of American business owners are currently over the age of 55, and many of them may be considering retirement, but more than a third say they have no succession plan in place, according to the survey, which was conducted in April 2024 and included 400 business owners who responded to online questions and unstructured interviews.

Among business owners with no succession plan, 38% reported their business is not at a point at which succession planning is a priority. Both uncertainty about the future of the business and how to start making a succession plan were the top reasons for not having one (32% for both), according to the survey. 

“For many business owners, short-term priorities associated with running a business might feel more urgent than planning for future succession,” said Katherine Roy, Principal, Retirement Products at Edward Jones, in a press release announcing the survey findings. “However, business owners should consider what will happen once they leave the business, whether by selling, retiring or becoming unable to manage the business due to health or age. A well-conceived succession plan allows the owner to identify what their ideal exit looks like and address tax, business, estate and liquidity considerations that reflect both business goals and family dynamics.”

Business owners said that barriers to making a succession plan are emotional as well as logistical; 26% said they were unable to identify a successor, but 88% believed that their businesses will grow over the next decade.

The survey results showed that four main factors drive the need for a business transition. The first is the legacy of the business and the future of employees and stakeholders. The second consideration is the market, in which the sale or exit of an owner is needed to maintain business operations and part of the proceeds will fund the owner’s retirement. The third factor is a health event or other change in priorities or circumstances for owner and the owner’s family. Lastly, the sale of the business also must align with the owner’s vision and the organization’s commitment to the integrity of the business.

Financial advisors can help business owners build a successful plan to help ensure a smooth transition of the business, but only 37% of those surveyed reported using a financial advisor to help with transition issues and decision-making.

“Even if a business owner already knows the succession plan that they want put in place, a financial advisor can guide them through all of the complexities and challenges owners face when determining and implementing the future of their business,” said Zachary Gildehaus, Business Owner Strategist, Client Needs Research at Edward Jones.

For more information about the survey visit: www.edwardjones.com/NextInLine.

(NewsUSA) - As a significant portion of the U.S. population ages, a significant transfer of wealth to younger generations is occurring. However, many families have not discussed inheritance plans, and many younger generations may find themselves unprepared, according to new research from Edward Jones, a leading financial services firm.

In fact, 35% of Americans surveyed by Edward Jones said they did not plan to discuss transfer of wealth with their families, despite 48% saying that they planned to leave an inheritance.

“We know it can be extremely uncomfortable and nearly impossible to separate emotions from the financial decisions necessary when planning inheritance and wealth transfer, particularly as givers navigate family priorities beyond finances,” said Lena Haas, Head of Wealth Management Advice and Solutions at Edward Jones. “However, the wealth transfer is well underway, so it’s more important than ever to connect as a family, with the experienced guidance of a financial professional to help navigate the emotions and educate on the process.”

The so-called “great wealth transfer” from the Silent Generation and the Baby Boomers will vary, as people live longer and may delay retirement. Edward Jones’ research revealed four scenarios:

Traditional Giving. Older adults transfer wealth through a combination of assets, cash, equities, and real estate.

Giving While Living. Older adults support their families in the moment, paying for family experiences, contributing to education or purchasing homes. However, this strategy may force younger generations to return the favor and support parents in retirement.

Skipping a Generation. Some older adults skip over their adult children and transfer wealth to grandchildren, often in the form of education or future security, but this can lead to hurt feelings and strained relations with adult children who do not directly benefit from this wealth transfer.

No Inheritance. Older adults are living longer, and a combination of more active lifestyles for more years after retirement and/or the expenses of long-term health care means that in some families, little wealth will be left to transfer.

The survey, a joint effort between Edward Jones, Morning Consult and NEXT360 Partners, LLC, a global action research and strategy consultancy, was conducted online between December 28-29, 2023, and included a national sample of 2,202 adults.

According to the survey, only 25% of individuals who receive an inheritance feel prepared to manage it.

Working with an experienced advisor can help, and 57% of those surveyed said that working with a financial professional to guide discussions of wealth transfer and inheritance in advance would facilitate planning and family consensus.

Visit www.edwardjones.com/estateplanning for more information about wealth transfer and financial planning.

(NewsUSA) - Today, October 4, marks World Financial Planning Day, a time to recognize the value of financial planning. Did you know that financial planning is not just a valuable resource for consumers? It’s also a great career choice offering competitive salaries and flexibility.

But it's not just the financial rewards and personal freedom that make this profession attractive. In today's job market, people seek more than just a paycheck; they look for an industry committed to diversity and inclusion. That's precisely what you'll find when you become a CERTIFIED FINANCIAL PLANNER^™ professional. You'll be part of a profession dedicated to creating inclusive environments for people from diverse backgrounds, while also offering ample opportunities for professional growth.

The financial planning profession is rapidly expanding. Many financial planners are approaching retirement just as the demand for personalized financial guidance is increasing. The U.S. Labor Department reports that jobs in financial planning are expected to grow faster than average, at a rate of 15% through 2031. Even better, U.S. News & World Report ranked financial advisor as the sixth Best Business Job in 2023.

Recruiting a Diverse Workforce

In response to this projected growth, CFP Board is actively working to strengthen the financial planning talent pipeline, focusing on attracting women and racially and ethnically diverse candidates to pursue CFP^® certification. CFP^® professionals serve an increasingly diverse client base, and they should reflect the broadest spectrum of talent and experience. CFP Board Center for Financial Planning has launched several initiatives to support growth of the talent pipeline and foster diversity and inclusion, including scholarships and the annual Diversity Summit.

These initiatives helped lead to the most diverse class of new CFP^® professionals in history last year, with nearly 30% being women and nearly 15% coming from racially and ethnically diverse backgrounds. In addition, more than half of all new certificants are under 35 years old. These statistics highlight an inclusive profession that welcomes and empowers your success with the necessary resources.

Obtaining your CFP^® certification means joining a profession that actively pursues inclusivity, offering a wide range of career opportunities and financially rewarding positions. Begin your journey toward success today.

(NewsUSA) - Cash flow is the lifeblood of any business, no matter the industry or company size. However, as economic headwinds and supply chain woes challenge the bottom line for both Main Street and Wall Street businesses alike, owners are facing significant financial frictions hindering business growth. Unfortunately, small and mid-sized businesses (SMBs) are especially constrained financially, as many SMBs in America remain underbanked or unbanked while inflationary pressures continue to mount and impede profitability.

In fact, 25% of owners report inflation is their single most important problem in operating their business, according to a study by the National Federation of Independent Business (NFIB). Further challenging SMBs cash flow, the NFIB also notes, in the last six months, 57% of owners reported capital outlays such as purchasing new equipment and vehicles, updating fixtures and furniture, and expanding facilities, among other expenditures. In turn, SMBs are increasingly relying on price hikes to improve company financial performance, with 62% of retail and 54% of wholesale operators reporting higher rates.

Strategic pricing is only a piece of the puzzle, though, when it comes to enhancing profitability, according to Carmit Glik, CEO and founding member of Ship4wd, a leading global digital freight forwarding solution platform. Glik encourages SMBs to consider looking across the supply chain for opportunities to improve cash flow.

“While some issues continue to linger, global supply chains have experienced a significant shift toward the positive, particularly for businesses who proactively deploy measures to capitalize on the current climate,” said Glik. “The combination of stabilized freight rates, emerging technologies, new financing solutions, diversified supplier options, and investments by companies working collaboratively to create a more resilient and sustainable supply chain, creates a robust opportunity for small and mid-sized businesses to strengthen their cash flow management—a challenge often considered the glass ceiling for growth to many SMBs.”

Glik shares three practical tips SMBs can implement to improve cash flow, take advantage of supply chains, and empower them to scale in today’s marketplace.

Leverage Technology and Explore New Financing Avenues
SMBs should proactively explore technology and various financing options to meet their capital needs. Credit lines, bank loans, or digital payments can be complemented with digitized services and alternative financing methods such as crowdfunding. Leveraging financial technology solutions can provide faster access to capital and streamline the financing process. Evaluating the costs, terms, and suitability of different financing options can help SMBs make informed decisions that align with their business objectives.

Control Inventory and Manage Supplier Relationships
Optimizing inventory management is essential for improving cash flow. SMBs should analyze demand patterns, implement just-in-time inventory practices, and negotiate favorable terms with suppliers, such as extended payment periods or bulk purchase discounts. Strengthening supplier relationships can lead to more flexible payment arrangements, ensuring a steady supply of goods without compromising cash flow. Adopting inventory management systems can enhance visibility, reduce carrying costs, and prevent overstocking or stockouts, further improving financial efficiency and efficacy.

Diversify Revenue StreamsandBuild Strong Customer Relationships
Diversifying shipping partners and revenue streams by exploring new markets, expanding product or service offerings, or partnering with complementary businesses can mitigate the risk of over-reliance on a single income source. Diversification creates opportunities for increased sales and revenue, improving cash flow stability and resilience. Fostering strong customer relationships is key to enhancing cash flow. SMBs can focus on providing exceptional customer service, personalized experiences, and loyalty programs to cultivate customer loyalty and encourage repeat business.

To help small and mid-sized businesses improve cash flow, Ship4wd launched a first-of-its-kind offering including instant $10,000 credit lines (subject to eligibility) that afford SMBs greater opportunity to compete and thrive; ‘Buy Now, Pay Later’ 90-day post-delivery payment terms that turn the tide on an antiquated prepayment model; and fully digitized online payment options for its customers to access the majority of banks across the U.S. and Canada and leverage all major credit cards to complete their transactions.

“We recognized the industry and our customers needed a change as SMBs continue to navigate financial burdens that can limit their long-term sustainability and growth,” said Glik. “Ship4wd’s mission is to ease the burden of global shipping so business owners can focus on growing their businesses. Our new financing solutions enable them to do just that, and whether financial or operationally, the tide is turning in favor of business owners when it comes to international shipping.”

The effective management of cash flow and financing is crucial for the success of SMBs. SMBs can optimize their financial operations, ensuring a healthy cash flow and access to necessary capital that will secure a solid foundation for success.

(NewsUSA) - Climbing to the top as a financial advisor can be a challenge. Your ticket to long-term peak performance begins with earning the prestigious CERTIFIED FINANCIAL PLANNER^™ certification, the standard for competent and ethical financial planning.

More and more consumers understand the importance of working with a financial planner they can trust. Earning CFP^® certification sets you apart, providing a sure-footed path to enhanced visibility and leading to increased income and greater market share.

If you’re already in the financial planning profession, earning CERTIFIED FINANCIAL PLANNER^™ certification is a proven investment in your future, offering new opportunities. For example, do you want to:

• Widen your client base?
• Evolve with your existing client base?
• Broaden your menu of services?
• Deepen your commitment to financial planning?
• Build on your other qualifications?

Whatever your objective, earning CFP^® certification sets you up for a rewarding payoff on your investment. And since you’re already a financial services professional, you may qualify for the accelerated path to CFP^® certification, bypassing most of the required education coursework, saving you both time and money.

Get Certified, Go Further

As part of their certification, CFP^® professionals demonstrate their expertise and commit to high standards to earn the respect of their colleagues and the trust of their clients. Here are some of the advantages of earning your CFP^® certification:

• Competitive Edge: 83% of CFP^® professionals say they have a competitive edge over other financial advisors.
• Trust: 90% of consumers are more confident working with an advisor who has a financial planning designation.
• Success: 86% of CFP^® professionals say that certification has had a positive impact on their career satisfaction.
• High Pay: Earning a CFP^® certification can increase your income by 12%, with experienced advisors earning on average $192,000 a year.

Fiduciary Duty

Not all financial planners act as a fiduciary, but CFP^® professionals do. When providing financial advice, CFP^® professionals commit to always acting in their client’s best interests. With CFP^® certification, your clients will know that you are practicing loyalty and care in your work, and placing their interests above your own.

The Marketing Edge

CFP^® certification is an important branding signal for consumers. One survey found “consumers had higher brand awareness of the CFP^® mark” than the ChFC, CFA, CLU and PFS designations. That can lead to lower marketing costs and increased revenue growth for CFP^® professionals. Adding the CFP^® mark to your other credentials can grow your business prospects while enhancing your career opportunities.

CFP^® certification helps you build trusted relationships with clients and helps your firm grow by providing the knowledge and marketing edge needed for peak performance and sustained success. It’s the competitive edge you’ve been looking for. Get started today!

(NewsUSA) - Choosing a CERTIFIED FINANCIAL PLANNER^™ professional who aligns with your specific needs and goals is important. If you’re part of the LGBTQ+ community, you may want to seek out an LGBTQ+ CFP^® professional. Here are five ways an LGBTQ+ CFP^® professional could help you.  

Understanding Your Unique Financial Needs

As a member of the LGBTQ+ community, you often face specific financial hurdles related to legal issues and healthcare. An LGBTQ+ CFP^® professional, whose life experience may mirror yours, may have a better grasp of these unique needs and can tailor advice to effectively address them. Take family planning, for example, where you may face higher expenses or even discriminatory practices when pursuing adoption or fertility treatments.

Sensitivity and Cultural Competence

As an LGBTQ+ individual, you should feel comfortable sharing sensitive personal information that is vital to reaching your financial goals. An LGBTQ+ CFP^® professional offers just such a safe and supportive environment. That’s critical for many LGBTQ+ issues, such as the financial challenges facing people needing gender-affirming healthcare, as treatments may not be covered by health insurance. For this and other challenges facing LGBTQ+ people, you can look to your LGBTQ+ CFP^® professional for guidance.

Knowledge of Specific LGBTQ+ Resources

LGBTQ+ financial planners are more likely to be familiar with resources, organizations and programs that cater specifically to the LGBTQ+ community. That ranges from choosing the best insurance option to retirement planning and elder care.

Advocacy and Support

The emotional support and financial expertise of LGBTQ+ CFP^® professionals help guide clients during life’s major milestones such as marriage, a new job or transitioning. In addition, many LGBTQ+ CFP^® professionals advocate for clients and the greater LGBTQ+ community, helping address discrimination or bias they may encounter in the financial services industry.

Community Connection

By working with an LGBTQ+ financial planner, you contribute to strengthening the LGBTQ+ community. Choosing professionals who identify as LGBTQ+, or are allies/advocates, creates a sense of solidarity while promoting diversity, inclusion and belonging.

Of course, the challenges LGBTQ+ people face may vary depending on factors such as location and legal protections. Efforts are underway to address these financial disparities through policy changes, increased awareness and advocacy for LGBTQ+ rights.

You may find that there are many benefits to working with a CFP^® professional who is LGBTQ+ or LGBTQ+-supportive. Your decision will depend on your personal preferences and individual circumstances. No matter what type of CFP^® professional you’re looking for, you can find them today at LetsMakeAPlan.org.