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October 22, 2014

Business & Finance

  • Money And Finance

    Small businesses: Are you ready for 2014 filing deadlines?

    (BPT) - For small businesses, January’s arrival usually brings one very important task: issuing W-2s and 1099 forms to employees and independent contractors. The good news is this year, due to the typical filing date of Jan. 31 falling on a weekend, businesses have a built-in buffer and a couple extra days to complete these tax reporting documents.

  • Money And Finance

    3 things you need to know before starting a home-based business

    (BPT) - About 16 million Americans work from home – a number that Global Workplace Analytics expects will increase by 63 percent over the next five years. In fact, every 12 seconds someone starts a new home-based business in the United States, according to Business for Home. Access to new technology, increased job flexibility and a higher earning potential are just some of the reasons many entrepreneurs consider a home-based business more rewarding than the typical corporate cubical.

  • Money And Finance

    Saving for Retirement Through Different Stages of Your Career

    (StatePoint)  Most Americans are taking a careful and deliberate approach when it comes to their retirement plans, according to the recent Measuring Optimism, Outlook and Direction (M.O.O.D.) of America Survey conducted by Lincoln Financial Group. Among those who feel prepared, 77 percent believe they have saved enough to cover retirement expenses and 64 percent expect to be debt free during retirement.

Tuesday 10/21/2014
Small businesses: Are you ready for 2014 filing deadlines?
Updated: October 22, 2014 - 3:32 am

(BPT) - For small businesses, January’s arrival usually brings one very important task: issuing W-2s and 1099 forms to employees and independent contractors. The good news is this year, due to the typical filing date of Jan. 31 falling on a weekend, businesses have a built-in buffer and a couple extra days to complete these tax reporting documents.

more »
3 things you need to know before starting a home-based business
Updated: October 22, 2014 - 3:32 am

(BPT) - About 16 million Americans work from home – a number that Global Workplace Analytics expects will increase by 63 percent over the next five years. In fact, every 12 seconds someone starts a new home-based business in the United States, according to Business for Home. Access to new technology, increased job flexibility and a higher earning potential are just some of the reasons many entrepreneurs consider a home-based business more rewarding than the typical corporate cubical.

more »
Monday 10/20/2014
Saving for Retirement Through Different Stages of Your Career
Updated: October 20, 2014 - 3:33 am

(StatePoint)  Most Americans are taking a careful and deliberate approach when it comes to their retirement plans, according to the recent Measuring Optimism, Outlook and Direction (M.O.O.D.) of America Survey conducted by Lincoln Financial Group. Among those who feel prepared, 77 percent believe they have saved enough to cover retirement expenses and 64 percent expect to be debt free during retirement.

more »
Take action today to help better prepare you for retirement [Infographic]
Posted: October 20, 2014

(BPT) - Planning for retirement starts now. During National Save for Retirement Week - Oct. 19-25 - take steps toward a more secure retirement by increasing the contributions you make to your retirement plan. “Upping” the amount you contribute today can help you better prepare for your retirement.

more »
Friday 10/17/2014
Could you use $100,000 in extra Social Security benefits? Where to find it
Updated: October 18, 2014 - 3:32 am

(BPT) - Did you know there are more than 8,000 ways a married couple can file for Social Security benefits?

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Thursday 10/16/2014
Five Tips On Making College Affordable
Updated: October 17, 2014 - 3:33 am

(NAPSI)—When it comes to college, many economists say, you can’t afford not to go. According to the U.S. Census Bureau, over a working life, high school graduates can expect to earn, on average, $1.2 million; those with a bachelor’s degree, $2.1 million; and people with a master’s degree, $2.5 million.

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Live Long And Prosper? Yes, It's Possible
Updated: October 17, 2014 - 3:33 am

(NAPSI)—Life expectancy in the United States is increasing. According to government data, today’s 65-year-old will likely live beyond age 85, and a little more for women, who tend to live longer than men. By 2040, 79 million Americans will be 65 or older, nearly double the size of that age group today.

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Wednesday 10/15/2014
3 empowering reasons why women can be better investors
Updated: October 22, 2014 - 3:32 am

(BPT) - Despite the earning power of today’s women, many still shy away from investing and long-term planning. One of the reasons may be a lack of confidence. A 2014 report by the Transamerica Center for Retirement Studies found that half of women say they are not confident about the ability to retire comfortably.

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Monday 10/13/2014
Small businesses: Check tax forms for errors to avoid fines for 2014
Updated: October 20, 2014 - 3:33 am

(BPT) - For many small businesses, tax form filing season can be one of the most dreaded times of the year. But with the winter months quickly approaching, there is one simple step that can save you and your business headache, heartache (and money): double-check all reporting documents and deadlines.

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Thursday 10/09/2014
Take Time To Understand Your Benefits Choices
Updated: October 10, 2014 - 3:33 am

(NAPSI)—Choosing the right health insurance plan is one of the most important decisions that Americans make every year, but most spend more time planning a vacation or shopping for a computer.

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Cheap Office Supplies May Be Draining Your Wallet
Updated: October 10, 2014 - 3:33 am

(NAPSI)—Anyone who thinks of a printer’s toner cartridge as a mere vessel might be surprised to learn that it’s actually a critical component of the device itself.

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Tuesday 10/07/2014
Are Your Investments Doomed by Overfunded Public Markets?
Updated: October 08, 2014 - 3:34 am

(NewsUSA) - A recent 15-year research report comparing the Public Dow Index companies' revenues to their stock price by the Private Company Index (PCI) seems to show how there is too much money chasing too few stocks, leading to unparalleled public market stock price increases.

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Friday 10/03/2014
Home improvements that give you the most bang for your buck
Updated: October 10, 2014 - 3:33 am

(BPT) - Prioritizing a home-improvement wish list is never easy. Do you put design and aesthetics ahead of functionality? Or do you choose comfort and convenience over energy efficiency and cost savings?

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Tuesday 09/30/2014
Is It Time to Sell Your Structured Settlement for Cash?
Updated: October 02, 2014 - 4:34 pm

(NewsUSA) - It seemed like a good idea at the time.

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5 rules to negotiate a better salary
Updated: October 09, 2014 - 3:33 am

(BPT) - Between networking, polishing your resume, applying and interviewing, finding a job is time consuming. Once the offer comes in, all your hard work is done, right? Not necessarily. Now is the time for negotiating – a process few people are comfortable with. Skipping it, however, can mean that you miss out on better benefits or a higher salary. 

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Thursday 09/25/2014
The "Utility Knife" Of Financial Solutions
Updated: September 26, 2014 - 3:54 am

(NAPSI)—Many are surprised to learn that permanent life insurance can provide more than standard financial protection for their family. That may explain why, despite being one of the most flexible financial solutions available, it tends to be underused. In fact, according to Northwestern Mutual’s 2014 Planning & Progress Study, just slightly less than a quarter of Americans currently hold a permanent life insurance policy.

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Business Tips to Save Money During the Holidays and Beyond
Updated: September 26, 2014 - 3:54 am

(NAPSI)—Last holiday season, customers spent $46.5 billion in online shopping, according to analysts at comScore. To make the most of this season, business owners need to maximize their shipping operations. Here are a few tips on how to do that:

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Monday 09/22/2014
Parents: School is back in session, time to teach kids vital financial lessons
Updated: September 29, 2014 - 3:57 am

(BPT) - The first months of the school year are full of new lessons and experiences for children. While subjects like history, science and math aim to prepare kids for college and careers, there’s one vitally important educational goal that falls to parents to fulfill – financial education.

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Friday 09/19/2014
Housing Counseling Can Help You Turn the American Dream into a Reality
Updated: September 19, 2014 - 3:42 am

(StatePoint) Despite its many benefits, homeownership is not without its financial risks. Whether you’re a current homeowner needing assistance, or you’re looking to purchase a home in the future, realistic goals, sound advice, careful planning, and a clear understanding of the costs involved are critical.

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Thursday 09/18/2014
Small Businesses Think Regulations Hinder Growth
Updated: September 19, 2014 - 3:42 am

(NAPSI)—Small businesses have a number of concerns when it comes to the effect that government regulations are having on their business. That’s a key finding of TriNet’s Small Business Confidence Survey, which explores the opinions of U.S. small business owners about issues such as their outlook on the state of their companies and on federal and state legislation.

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Wednesday 09/17/2014
Smartphone to Become Wallet -- Are Customers, Businesses Ready?
Updated: September 18, 2014 - 3:39 am

(NewsUSA) - Much is being made of Apple's announcement of the iPhone 6 and the Apple Watch. Overshadowed by this, however, was the introduction of Apple Pay -- a technology touting an easier way to pay for goods and services using mobile devices. But is this too much too soon -- even for Apple?

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Monday 09/15/2014
Prevent Your Heating Bills from Going Through the Roof
Updated: September 15, 2014 - 3:39 am

(StatePoint) Heating your home can be a costly endeavor. But you don’t have to make your family suffer in shivering silence to save some money. There are plenty of steps you can take to optimize your heating efforts, as well as prep your home for several months of cool weather.

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Thursday 09/11/2014
College May Cost Less Than Parents Think—And A Degree Pays Off
Updated: September 12, 2014 - 3:39 am

(NAPSI)—Parents who hope to provide their children with a college education may feel overwhelmed by the cost of higher education and reports have stated that only about half those who start college graduate. But rather than giving up, they may want to investigate further, because beneath the headlines lies a more complex reality. What’s more, parents who start saving early—and strategically—can amass a sizable college fund without busting the family budget.

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The Law That Protects Your Benefits
Updated: September 12, 2014 - 3:39 am

(NAPSI)—Over the past 40 years, many workers have taken on what can seem like a second job: the responsibility of planning for their own retirement.

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A Quick Selective Service Quiz
Updated: September 12, 2014 - 3:39 am

(NAPSI)—Many are surprised when they learn they don’t know as much about the Selective Service and the law as they thought they did. To help, here is a quick quiz with some fast facts.

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A Good Friend To America Is A Good Neighbor To Africa
Updated: September 12, 2014 - 3:39 am

(NAPSI)—Government officials and business leaders from nearly 50 African countries gathered in Washington, D.C. on August 4-6 for the first-ever U.S.-Africa Leaders Summit.

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Wednesday 09/10/2014
Childproof your finances: Tips for new parents
Updated: September 17, 2014 - 3:43 am

(BPT) - Whether welcoming a newborn, adopting a child or becoming a stepparent for the first time, bringing a child into your life means big changes - and a big impact on your finances.

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Wednesday 09/03/2014
Your credit scores: What you don't know could cost you
Updated: September 10, 2014 - 3:50 am

(BPT) - Do you know what your credit scores are? If you don’t, you’re not alone. In fact, many people know very little about their credit scores, what they are or how they work. And they certainly don’t understand that having low credit scores can have a big impact on their future.

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Tuesday 09/02/2014
Planning for life's 'what ifs'
Updated: September 09, 2014 - 3:42 am

(BPT) - It’s impossible to anticipate what life will throw your way. But still many families spend countless hours considering life’s many “what ifs.” What if we have kids? What if they are not healthy? What if we build a life that requires two salaries to make ends meet? What if we haven’t saved enough for the future? What if something happens to one of us?

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Thursday 08/28/2014
Compare When You Shop For Financial Products
Updated: September 02, 2014 - 3:41 am

(NAPSI)—You wouldn’t buy laundry detergent without comparing features and prices among brands. Or a smartphone. Or a car.

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Homebuyers, Beware Before Buying
Updated: September 02, 2014 - 3:41 am

(NAPSI)—For many, finding and buying the right home is still a big part of the American dream.

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Prepare For Your Encore Career
Updated: September 02, 2014 - 3:41 am

(NAPSI)—Whether you call it a second act or an encore career, or it’s just your desire to do a complete 180 in your profession, one thing remains the same: The path to reinvention often means taking your current job skills and giving them a new twist.

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Wednesday 08/27/2014
Shopping for a new vehicle? 5 questions to ask yourself before signing on the dotted line
Updated: September 03, 2014 - 3:39 am

(BPT) - It’s that time again - time to buy a new car. Maybe you’re excited because you’ve been dreaming of getting new wheels for a long time now. Or maybe you’re nervous; buying a car is a big financial commitment and you want to make sure you do your homework. If you fall into this second group, don’t worry; these five simple questions can help you find a vehicle that fits your lifestyle.

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Tuesday 08/26/2014
Growing up financially smart: prepaid cards provide college students security, convenience
Updated: August 26, 2014 - 3:35 am

(BPT) - This fall, college students around the country will take their first steps toward financial independence. For many young adults, the college years are the first time they are responsible for managing and budgeting their money. With a combination of funds from jobs, their families and student loans, students need to find a safe and easy way to spend, budget and save.

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Stop loan scammers and bogus bill collectors with these tips
Updated: August 27, 2014 - 3:41 am

(BPT) - In the United States, federal and state consumer collection laws forbid debt collectors from using unfair, deceptive, and abusive means to collect debt. Unfortunately, that fact doesn’t stop scammers from using threats of arrest and jail time to coerce victims into paying bogus bills they don’t owe.

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Thursday 08/21/2014
New coaching program helps people living with multiple sclerosis improve financial wellness
Updated: August 28, 2014 - 3:36 am

(BPT) - Suzanne is a Las Vegas resident who spent nearly three decades fundraising for museums and universities until a multiple sclerosis (MS) diagnosis in July of 2012 changed her life. Now MS keeps her from working full-time.

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Wednesday 08/20/2014
Don't Get Blindsided by the Sticker Shock of College
Updated: August 21, 2014 - 3:37 am

(NewsUSA) - When it comes to paying for college education, careful planning and budgeting are musts.

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Thursday 08/14/2014
Job Corps Works
Updated: August 15, 2014 - 3:42 am

(NAPSI)—For many young people, traditional paths to successful careers do not always take a straight, well-marked line.

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Tips On Avoiding Financial Exploitation
Updated: August 15, 2014 - 3:42 am

(NAPSI)—There’s good news for older Americans. While financial abuse and scams are believed to cost seniors an estimated $3 billion annually, you can help prevent them and protect yourself.

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Wednesday 08/13/2014
Young adults are getting serious about money sooner than you think
Updated: September 13, 2014 - 3:38 am

(BPT) - More evidence has emerged that parents are doing a better job teaching kids about money, and young adults are getting better at managing it.

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Friday 08/08/2014
Last-minute shopping tips for back-to-school season that won't break the bank
Posted: August 08, 2014

(BPT) - If you enjoyed every minute of your summer vacation or you were completely booked with fun activities, you might have some last-minute back-to-school shopping left to do before the bell rings this fall. If you are a little behind in checking all of your kids’ school supplies off the shopping list, you can still find some good deals online.

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Monday 08/04/2014
Tips for Saving for Retirement in Your 20s
Updated: August 04, 2014 - 3:40 am

(StatePoint) In your 20s, you may think you have all the time in the world to save for retirement.  It can be tempting to spend your entire paycheck, particularly if you’re entering the workforce and have debt or other spending priorities. This is the time to create the savings behaviors that could boost your retirement readiness in the future.

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It's never too early to start teens on a budget
Updated: August 14, 2014 - 3:45 am

(BPT) - At some point, everyone will have to learn how to live on a budget, whether it’s at home, at work or with a nonprofit organization. For teenagers with a limited income and plenty of interests that cost money, learning to manage a budget can never come too early.

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Friday 08/01/2014
¿Pensando en la jubilación y el Seguro Social? Vale la pena esperar.
Updated: August 13, 2014 - 3:43 am

(NewsUSA) - El esperar para empezar los beneficios de jubilación del Seguro Social puede aumentar los beneficios hasta en 76 por ciento, según el nuevo kit de herramientas "Cuándo tomar el Seguro Social: Vale la pena esperar", publicado por la no partidista National Academy of Social Insurance (NASI).

more »
Thursday 07/31/2014
New Survey: Small-Business Improvement; Employees Concerned About Benefits
Updated: August 01, 2014 - 3:49 am

(NAPSI)—Small-business owners have something to be optimistic about, according to a recent study, which found that 84 percent of small-business leaders say they’re either maintaining or growing sales in 2014.

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Noncitizens And Selective Service
Updated: August 01, 2014 - 3:49 am

(NAPSI)—Many people in other parts of the world still see the U.S. as a place where they can enjoy the opportunity for greater freedom and prosperity. Both these benefits of living in the U.S., however, come with certain obligations.

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Wednesday 07/30/2014
Going back to school? Tips to choose the right degree
Updated: August 09, 2014 - 3:40 am

(BPT) - For many, earning a college degree opened the door to the working world; it may have even been instrumental in landing your current job. But are you applying what you learned in college to your current career field? A recent survey suggests this might not be the case.

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Tuesday 07/29/2014
Growing your business: Tips for applying for small business loans
Updated: August 05, 2014 - 3:40 am

(BPT) - The outlook for small business is up with many business owners feeling good about the future of the economy, their financial positions and their plans for growth, according to Capital One’s Spark Business Barometer. But for many business owners looking to secure capital to either start or expand their enterprise, the process can be challenging, particularly for those with a limited or negative track record, or poor personal credit. Fortunately, there are a variety of products and programs designed to help address those challenges and enable business growth, one of which is offered through the U.S. Small Business Administration (or SBA).

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Friday 07/25/2014
Three Ways to Save on Monthly Expenses
Updated: July 25, 2014 - 3:54 am

(StatePoint) Regardless of income, everyone is looking for ways to save money. From improving your home’s energy efficiency to savvy shopping, you can cut back on your day-to-day expenses and monthly bills, alike.

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Thursday 07/24/2014
Know Before You Go—Tips On Getting The Most From Your Coupons
Updated: July 25, 2014 - 3:54 am

(NAPSI)—Whether you are a committed clipper or you have a more laid-back relationship with coupons, there’s good news.

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More Money And Finance
Wednesday 10/08/2014
The Big Winners in Politics? Local Host Communities
Updated: October 08, 2014 - 3:34 am

(StatePoint) The political process is all about face-to-face meetings. From casting a vote in Congress to attending a national convention, political leaders know the critical role of in-person interactions.

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Monday 10/06/2014
Tips for Being Your Own Boss
Updated: October 06, 2014 - 3:33 am

(StatePoint) If you’ve ever thought about starting your own business, you may have found the prospect of starting from scratch overwhelming, particularly after reviewing statistics about the success rates of new start-ups. But there are ways to become your own boss while eliminating some of the intrinsic risk that comes with this territory, say experts.

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Tuesday 09/30/2014
Survey highlights importance of technology to small business owners [Infographic]
Posted: September 30, 2014

(BPT) - Small businesses rank the computer as their most important tool and email as the top software for running their business. The infographic below shows the significance of autumn as small business owners gear up for the holiday shopping season with plans to increase promotional marketing, develop social media and manage inventory better.

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Tuesday 09/09/2014
Common-Sense Strategies From a Natural Marketing Guru
Updated: September 10, 2014 - 3:50 am

(NewsUSA) - When it comes to natural marketing expertise, there may be no other like Peter Tabibian.

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Wednesday 08/20/2014
Your Online Reputation: Handle With Care
Updated: August 21, 2014 - 3:37 am

(NewsUSA) - Maintaining a positive reputation online is indispensable in today's digital age. It's time to take a long, honest look at how you manage your online reputation.

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Friday 08/15/2014
Maximize Your Teleconferences With Better Tools
Updated: August 16, 2014 - 3:37 am

(NewsUSA) - As the number of workers who telecommute or work remotely increases, conference calls are even more essential for effective communication. Having access to the latest technology will help ensure that all participants in the call are engaged in the presentation and understand the message, making meetings more productive and efficient.

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Monday 08/04/2014
Tips to Generate a Second Income
Updated: August 04, 2014 - 3:39 am

(StatePoint) In today’s economy, a full-time job is no guarantee that a second income won’t be necessary to live a comfortable lifestyle or save for the future.

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Wednesday 07/23/2014
How workplace flexibility works for your business
Updated: July 24, 2014 - 3:42 am

(BPT) - With technology rapidly changing the world, people need to embrace an evolving workplace. The workforce has become more diverse and mobile - demanding different needs. And while some existing challenges have crossed over into the modern workplace, opportunities for succeeding have never been more viable.

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Tuesday 07/22/2014
Chiropractic Careers Are on the Rise
Updated: August 13, 2014 - 3:43 am

(NewsUSA) - NewsusaInfographic - Despite the tough economy, chiropractic employment growth is projected to rise substantially through 2020. Learn more at www.considerchiropractic.org.

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Thursday 07/17/2014
Meetings are Good for the Economy and Local Businesses
Updated: July 17, 2014 - 3:48 am

(StatePoint) The summer season of conferences, conventions, business meetings, incentive travel, tradeshows and exhibitions is in full swing -- and with it comes the positive impact to local businesses and economies.

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HOT BLAST: Is Speaker Mike Hubbard a victim of a 'witch hunt?' (Take our reader poll)

House Speaker Mike Hubbard, R-Auburn, says his indictment on 23 counts of corruption is a "political witch hunt." Do you agree?

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