After teaching kids money basics, it’s time for teenagers to put into practice the values they’ve learned.

Bombarded by ads and susceptible to peer pressure, teenagers may not always make the best decisions about money. Yet it’s important to put money in their hands now to prepare them for their financial life later. By handling money – and occasionally mishandling it – teens will start to grasp an important point about money and wealth: While it can’t grow on trees, it can grow.

When it comes to retirement savings, Latinos are failing.

That’s what a new survey rolled out about a week ago by ING Retirement Research Institute reveals. In many ways, it echoes what has been laid out in previous minority retirement studies.

Bear with me now while I bury you with a lot of statistics. There is a method to my madness. I think these reports paint an ominous picture about cultural barriers to saving for retirement and will have far-reaching repercussions down the road. If you think we have a “retirement” crisis now, hold on to your hats.

Learn how the ACA might affect you, including the new tax on investment income. President Obama’s signature health care legislation, the Patient Protection and Affordable Care Act (ACA), has received plenty of attention for its political contentiousness and awkward rollout. That’s made it easy to overlook another critical angle of the ACA: how the law may impact you. 

By Ayo Mseka

ATLANTA, Ga.- - For 10 years Gloria Frías has had a full time job, but she receives no compensation for her work.