(StatePoint) The smartphone has become the remote control for modern financial life. Americans use it to check balances, pay friends, tap at checkout, manage bills, shop online, store cards, access accounts and increasingly carry digital versions of personal information that once lived in a wallet or filing cabinet.

(StatePoint) Does your bedroom stay hot while the rest of the house feels comfortable? Is your finished basement too cold to enjoy during the winter? Temperature differences like these are common, especially in older homes, additions, and converted spaces that were not designed around the home’s original heating and cooling system. When extending ductwork is too costly or replacing the entire system is unnecessary, homeowners need a way to heat or cool only the space causing the problem.

(StatePoint) Biological drug products (biologics) — which can be made of sugars, proteins, living cells, tissues, or a combination of these — are providing new options for patients with conditions such as diabetes, arthritis, chronic bowel diseases, macular degeneration, and multiple sclerosis, among others. In many cases, these therapies are helping shift treatment from acute care to long-term disease management. Doctors and evidence suggest that certain cancers are increasingly being managed as chronic conditions thanks to innovative biologics. But there is a catch: These drugs can be notoriously expensive, with or without insurance.

(StatePoint) Every parent wants to help their child choose a college that will be worth the investment. The challenge is knowing which schools are most likely to deliver.

(StatePoint) Do you love the timeless look of traditional wood entry doors, but desire something stronger, more secure, durable, weather resistant and energy efficient?

(StatePoint) October is Cybersecurity Awareness Month, a reminder that staying safe online starts with understanding how cybercriminals operate. One of the most common scam tactics is social engineering, which uses manipulation to gain access to information, accounts or money.

(StatePoint) When it comes to home loans, interest rates matter – a lot. Differences as small as one-quarter of a percentage point can save you thousands of dollars over the life of a home loan.

(StatePoint) Most homeowners feel reasonably ready for storms this time of year. In a new national survey, the T-Rex Tape Storm Readiness Report, more than half (63%) confidently rate their home’s preparedness for storms a 7 out of 10 or higher. While Americans are close to storm-ready, the research suggests the real test comes after severe weather strikes.

(StatePoint) Millions of people are concerned that artificial intelligence (AI) and other technological advances will take away the jobs people need to support themselves and their families. But a new study finds that many more afterschool programs are providing STEM (science, technology, engineering and math) education to prepare children and youth for the workforce of the future.

(StatePoint) For many small business owners, contractors, and freelancers, owning a business is a rewarding step toward independence that offers flexibility, control, and opportunity to build towards their dreams. However, their business finances and personal finances can sometimes become closely connected.

(StatePoint) Keeping every room in your home at an ideal temperature can be a frustrating battle. Whether it’s an addition, upstairs office, older home, converted attic, or a room full of windows, these spaces often present unique climate control challenges. The good news? You don’t need an expensive HVAC overhaul to reclaim your space. Simple updates can increase your comfort and potentially decrease your utility bills. From quick DIY upgrades to high-efficiency zone cooling, here are six smart ways to conquer stubborn temperature challenges in your home year-round.

(StatePoint) For businesses, even minutes of internet connectivity downtime can carry a steep price, with losses averaging more than $100,000 per hour across industries, according to the International Data Corporation.

Tiffany and her husband were building a life raising their daughter and special-needs son in Arizona when they called in to “The Ramsey Show,” where Dave Ramsey and his team give personal finance advice. Tiffany’s husband had a generous life insurance policy through his employer, so it seemed like they were covered. But were they? Tiffany began to question that after a family member got cancer and had to quit their job—which meant their life insurance policy disappeared.

(StatePoint) Digital payments are part of everyday life. Fraud experts warn that scammers are increasingly inserting themselves into these routine digital payment transactions, redirecting money in ways that can be difficult to recover.

(StatePoint) Ready to redesign your home? Whether you have only a vague notion of how you want your spaces to look or a very specific vision, relying on the expertise of a professional can help you bring your dream home to life. Before choosing and hiring an interior designer, though, be sure to take the following factors into consideration:

(StatePoint) Healthcare is expensive. Families feel it every time they pay an insurance premium, pick up a prescription, open a medical bill, or put off care because of worries about the cost.