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What you need to know about your employee stock purchase plan

What you need to know about your employee stock purchase plan

Finance
The company you work for may let you purchase company stock at a discounted price. The formal name for this is an "employee stock purchase plan," or ESPP. And if used correctly, these stock purchases can boost your bottom line, according to Sophia Bera, founder of Gen Y Planning. Here's how it works. Your company lets you buy its stock at a discount, which can range from 10 percent to 15 percent, for example. More from Straight Talk:...
Everything you need to know about the McDonald's salad parasite outbreak

Everything you need to know about the McDonald's salad parasite outbreak

Health
As of July 26, the Centers for Disease Control and Prevention (CDC) reports a total of 286 people in 15 states have been infected with a parasite called Cyclospora, an increase of 120 people in the last week alone. So far, there have been 11 hospitalizations but no deaths associated with this outbreak. The parasite has been linked to salads from McDonald’s. So what is this parasite, and why are the numbers still increasing? What is Cyclospora? Cyclospora is a parasite found in contaminated food or water -- which in the U.S. can mean fresh produce -- and causes a short-term illness known as Cyclosporiasis. The parasite isn’t typically transmitted from one person to another, but rather, makes people sick after it is ingested. What are the signs of an infection? Once someo...
Here's how to save for your child who may need life-long care

Here's how to save for your child who may need life-long care

Finance
If you have a family member with a significant disability, you may be wondering how to care for her or him. Special needs trusts are an option but they often require substantial amounts of money — as much as $ 100,000 up front — and the services of a lawyer. A less expensive way of establishing a trust for a family member with special needs is the pooled trust, available to people with modest assets. Whether or not you have one of these special needs trusts, the ABLE account is another way to set money aside. Not only is it less expensive, it’s much easier. ABLE accounts are tax-advantaged savings accounts f...
Everything you need to know about target-date funds

Everything you need to know about target-date funds

Finance
When considering target-date funds, it's important to be aware of the benefits and drawbacks — as well as whether you are the kind of person who should be investing in them. While some people love these so-called set-it-and-forget-it funds, others dislike them because of the completely hands-off approach to investing they offer. A variety of factors contribute to determining if you should invest in target-date funds, but it is most important to first understand what a target-date fund is and how it works. Target-date funds are also known as life-cycle funds. They're often mutual funds that hold a mi...
Breast cancer: Test means fewer women will need chemotherapy

Breast cancer: Test means fewer women will need chemotherapy

Health
About 70% of women with the most common form of early stage breast cancer can be spared the "agony of chemotherapy", researchers say.It follows trials of a genetic test that analyses the danger of a tumour. Cancer doctors said the findings would change practice in UK clinics on Monday, and meant women in this group could be treated safely with just surgery and hormone therapy.Charities said the news, affecting 3,000 UK women a year, was "wonderful".Chemotherapy is often used after surgery to reduce the chance of breast cancer spreading or coming back. It saves lives, but side-effects of the toxic drugs range from vomiting, fatigue and infertility to permanent nerve pain. In rare cases it can lead to heart failure and leukaemia. T...