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November 21, 2014

Money & Finance

Top Story

How to Plan for Your Child’s College Education

(StatePoint) Planning for life’s major financial hurdles is critical and when it comes to college, a plan can have a dramatic influence on how families are able to finance a degree.  

  • icon Updated: November 18

Recent Headlines

Monday 11/17/2014
Quick and simple at-home beauty treatments to try
Updated: November 20, 2014 - 3:33 am

(BPT) - Pampering yourself with skin and beauty treatments is important, but going to the salon or buying expensive products are not always the most convenient – or wallet-friendly – options.

Thursday 11/13/2014
Three Simple Ways to Trim Monthly Expenses
Updated: November 13, 2014 - 3:35 am

(StatePoint) Everyone seems to be looking for ways to save more money, especially as the cost of living is on the rise. By trimming expenses on the things you need, you can devote more toward the things you want, as well as save more for the future.

Wednesday 11/12/2014
6 surprisingly common student money misconceptions
Updated: November 19, 2014 - 3:34 am

(BPT) - From sports teams and extracurricular clubs to first jobs and first cars, high school students learn new lessons every day, many away from the classroom. But when it comes to balancing their obligations, many students learn some tough lessons for the first time as they dip their feet into adult life, particularly with their finances.

Thursday 11/06/2014
Students And The Selective Service
Updated: November 07, 2014 - 3:34 am

(NAPSI)—There’s good news for young men in high school who will turn 18 this school year. They can register with the Selective Service without ever leaving the school grounds.

Helping Veterans Cope With Financial Issues
Updated: November 07, 2014 - 3:34 am

(NAPSI)—If you are a servicemember or veteran facing financial struggles, you’re not alone—and help is available.

How To Spot A Phishing Scam And Avoid Getting Hooked
Updated: November 07, 2014 - 3:34 am

(NAPSI)—It could happen to you: You open your e-mail and see a message that seems to come from your bank asking you to reconfirm your online banking profile because of “some unusual activity on your account.” Reading it, you notice a couple of things, however. The e-mail begins with a simple “Hello,” not a personal greeting. A couple of words are misspelled and the grammar is a little off. Next, you roll your mouse over the link you’re asked to connect to and you notice it’s clearly not from your bank, because the link misspells the bank’s name.

Your Retirement Plan, Post-Great Recession
Updated: November 07, 2014 - 3:34 am

(NAPSI)—Everyone from the baby boomer to the fresh-out-of-college millennial should think about retirement. More important, they should plan for retirement. Recent polls have shown that outliving retirement savings is one of the prime concerns for retirees.

How To Attract Top Talent—And Keep Them
Updated: November 07, 2014 - 3:34 am

(NAPSI)—While many businesses are decrying the mainframe skills shortage, there are steps you can take to keep your company out of their company.

Facing financial pressures: 5 tips for the sandwich generation
Updated: November 13, 2014 - 3:35 am

(BPT) - Would you sacrifice your retirement and savings to simultaneously support your elderly parents and adult children? It’s not something many people envision, but millions are doing just that. These individuals are part of the sandwich generation—middle-aged adults caring for two different generations of family at the same time while planning for their own retirement goals.

Wednesday 11/05/2014
6 simple ways to make your bank account work for you
Updated: November 12, 2014 - 3:35 am

(BPT) - Are you making your bank account work for you? These days, checking accounts come with a variety of features, such as mobile alerts, that can help you take control of your finances and better manage your spending and saving. Are you taking advantage of them?

Thursday 10/30/2014
What To Do With An Old 401(k)
Updated: October 31, 2014 - 3:33 am

(NAPSI)—When you change jobs or retire, one thing to think about is what happens to your 401(k) account.

Morocco Urges New Approach To Development As Key To Security Strategy
Updated: October 31, 2014 - 3:33 am

(NAPSI)—At the United Nations General Assembly, one of America’s staunchest allies recently called for a new approach to helping developing countries achieve secure, sustainable economic and political stability.

Tax Law Changes You Need To Know To Maximize Your Refund
Updated: October 31, 2014 - 3:33 am

(NAPSI)—Although the U.S. federal tax code has undergone over 4,600 changes since 2001, most changes are unlikely to affect the average taxpayer.

In-Depth Study Reveals How To Identify Actively Managed Funds That Can Add Significant Value To Retirement Savings
Updated: October 31, 2014 - 3:33 am

(NAPSI)—Looking at two key characteristics can help investors identify actively managed mutual funds that have outpaced index-focused investments over the past two decades, according to an in-depth study released by American Funds, whose parent company, Capital Group, manages nearly $1.4 trillion for individuals and institutions.

Alerting Struggling Homeowners To Mortgage Resources
Updated: October 31, 2014 - 3:33 am

(NAPSI)—There’s good news for homeowners who are having a tough time making their mortgage payments. There is a free federal program that just may have the solution, even if you’re not behind on your mortgage.

What You Need To Know About Taxes And Health Insurance
Updated: October 31, 2014 - 3:33 am

(NAPSI)—In the first year that most Americans were required to have health insurance, more than 8 million individuals got insurance through the federal or a state-sponsored marketplace.

Wednesday 10/29/2014
IRS Warns Taxpayers of Latest Phone Fraud Scam
Updated: October 30, 2014 - 3:34 am

(NewsUSA) - Each tax season, identity thieves find new ways to con honest taxpayers. This year is no different as the IRS warns about a sophisticated phone scam targeting taxpayers, including recent immigrants, throughout the country.

Tuesday 10/28/2014
Putting Your Vacation Home to Work for You
Updated: October 29, 2014 - 3:33 am

(NewsUSA) - If your vacation home has started to become more of a financial headache than a refuge, it might be time to consider renting out your property.

Good Cyber Security Habits are Essential During the Holidays
Updated: October 29, 2014 - 3:33 am

(StatePoint) With so many new methods for cyber theft, it’s important to remember to take extra steps to protect your bank accounts and money this season, as criminals look to take advantage of the increased spending activity.

Common new mom question: Are all formulas created equal?
Updated: November 04, 2014 - 3:35 am

(BPT) - New parents have plenty of concerns when it comes to raising a newborn, and pediatricians have heard them all. While some questions are unusual – “When can I feed my baby fast food?” or “Is it OK for my newborn baby to go kite surfing on my back?” – the most common ones are about the most basic of necessities: food.

Changes to know before filing your federal income tax return
Updated: November 04, 2014 - 3:35 am

(BPT) - Most tax law changes don’t affect the average taxpayer. That's fortunate news, considering the U.S. averaged at least one tax law change per day every day between 2000 and 2012.  

Important tax information for everyone with marketplace health insurance
Updated: November 04, 2014 - 3:35 am

(BPT) - Health insurance and income taxes, once an unlikely pair, are now close companions as a result of the Affordable Care Act's insurance mandate that took effect Jan. 1, 2014. 

Filing taxes for the first time? Easily conquer taxes with 3 simple tips
Updated: November 04, 2014 - 3:35 am

(BPT) - Unless you majored in accounting, the thought of filing your own income tax return may evoke feelings similar to your first job interview.

Wednesday 10/22/2014
Millennial Mortgage Myths Debunked: A New Light On Homeownership
Updated: October 23, 2014 - 3:32 am

(NAPSI)—The American Dream may have looked like more of a nightmare to the millions of millennials who entered the workforce in recent years—but there could be good news.

Tuesday 10/21/2014
Small businesses: Are you ready for 2014 filing deadlines?
Updated: October 28, 2014 - 3:33 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.

3 things you need to know before starting a home-based business
Updated: October 28, 2014 - 3:33 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.

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.

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.

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?

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.

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.

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.

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.

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.

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.

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.

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?

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.

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. 

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.

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:

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.

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.

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.

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?

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.

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.

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.

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.

Online poll

HOT BLAST: Will Washington work together? (Take our reader survey.)

With the GOP in control of both the U.S. House and Senate and two years left in President Obama's second term will Democrats and Republicans work together?

Total Votes: 122