Today's generation, best known to everyone as the Millennials, lives in a world that looks far different than that of previous generations. Along with the many social and cultural changes that have taken place within the past decade, the use of technology for virtually everything personally and professionally has become a way of life. Smartphones, tablets, laptops and more let people handle almost any task from anywhere at anytime. However, with this convenience has also come the new problem of identity theft.

Regulators are continuously searching for safer methods to protect consumers. Whether decisions are made to provide additional disclosures or to enforce certain rules for negligent credit practices, consumers are the ultimate beneficiaries of enhanced oversight. New credit reporting changes that are due to take effect should provide greater opportunities for consumers to address various credit-base discrepancies. Many of the new credit sharing procedures involve the collection and the reporting of a consumer’s account information.

Just as with personal credit, business credit helps suppliers, lenders, and other creditors quickly determine whether a business pays its bills on-time. As a business owner, you will want to put your company in a position to where it can secure whatever financing it may need. This means you will have to establish, build, and maintain your company's credit profile.

Saving for retirement is one of the most important financial goals. In the old days, people would work for one company for thirty or forty years and then would be able to retire comfortably with a pension and social security. However, times have now changed both in retirement planning and how long people stay at their jobs throughout a career. There are many priorities that pop up during life, such as a child's college, that get in the way of retirement savings.