Money: Personal Finance, Business, Small Business news features - Quincy Herald-Whig | Illinois & Missouri News, Sports

Are U.S. colleges still a good investment?

For decades, there's been an unwritten rule that if you want a good job, you need a diploma from a four-year college.  More>>

Top-ranked personal finance software

As we approach a new year, it's a great time to find good personal finance software to get control over your finances as part of your New Year's resolutions.
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Holiday guide 2014: Unusual and creative gifts for your staff

These unusual gifts for each personality type in the office will be big hits this holiday season.

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Dumb Starbucks, not-so-smartphone, and other business fails of 2014

Here are the 10 biggest corporate missteps and outright disasters that gave business a bad name during the past 12 months.

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Work steals valuable sleep time, study finds

Chronic sleep loss is rampant in America, and work commitment is a big reason why, new research suggests. More>>

Top resume strategies for new grads in finance

With insight from experts and employers in the world of finance, we've developed some tips to help your resume stand out from all the others. More>>

10 ways to change your spending habits to save big

Planning to save money can bring future peace of mind. More>>

Hosting a holiday party? 5 tips to keep your workplace off the naughty list

Here's how you and your employees can minimize the number of problems while maximizing merriness.

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How do hotel night auctions work?

Web-based services companies offer consumers coupons, discounts and price comparisons to allow individuals to pay the lowest price for hotels.

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8 federal laws that protect employees

A push for employee rights gained momentum in the 20th Century, resulting in a series of important laws that millions of Americans rely on to this day
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The best credit cards for holiday shopping

Now that you're starting your holiday shopping, you may be wondering which credit cards will give you the best advantages.  More>>

Women can outperform men in financial negotiations

Although people often think of men as better negotiators, new research suggests that women are more effective than men in certain types of financial negotiations. More>>

9 smart tax moves to make before the new year

A little prep now can minimize the pain of paying income taxes. More>>

Top credit cards for airline miles travel

Free travel, free upgrades, free checked bags. Some travel benefits may be had just by holding an airline's co-branded credit card.  More>>

How to create the kind of life you want

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Your mother was right: You can't have everything. But that doesn't mean you can't have the kind of life you want, especially if what you want is both a fulfilling career and a rewarding personal life. More>>

Alternatives to balance transfers

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If you're trying to get rid of high-interest credit card debt, transferring your balance to a lower-interest credit card, or even a card with a promotional 0% APR, isn't your only option. More>>

Tips for finding affordable health insurance

   

There is some good news for those on a budget, however. The ACA provides more insurance options than before. More>>

Best to be honest about your relationship with your boss

Your job performance will be better if you and your boss have the same opinion about your relationship, even if it's a bad one, a new study finds. More>>

10 tips for cutting winter costs

Preparing for cold weather can help keep winter expenses manageable.

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Say thanks with grace: 17 quotes to inspire

This is the time when short speeches, toasts, and gracious words are in demand. Be inspired by these words on thanks, joy, and gratefulness.

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How retirement communities work

Choosing a retirement community is a big decision. Your choice will affect your – or your loved one's – finances, quality of life, and in many cases, health and longevity. More>>

Small businesses staying closed on Black Friday...and being fined

What is family worth to you? How about the happiness of your employees--can you put a price on that?

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Plan to save this holiday season

Avoid holiday debt and New Year regret by planning ahead.

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Tips on the health insurance marketplace/exchange

Whatever your political views of the Affordable Care Act of March 2010 (ACA) – better known as Obamacare – there's good news if you need to buy health insurance for yourself or your family for 2015. More>>

Could your job help preserve your aging brain?

Jobs requiring intellectually challenging tasks may help preserve thinking skills and memory as workers age, a new study suggests. More>>

Real-estate rents can fund your retirememt

Stocks, IRAs and employer-sponsored plans are fundamental aspects of many retirement plans, but they are by no means the only options. More>>

8 alternatives to a credit card cash advance

Before choosing to take a cash advance,be sure you fully understand its cost and limitations – and have investigated alternatives. More>>

Fixes for 5 common financial mistakes

Keep slip-ups from damaging your credit.

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Savings needed to retire abroad

Living abroad is an increasingly popular option for retirees interested in a change of scenery, new cultural experiences, access to affordable healthcare and a lower cost of living.
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The 4 worst reasons for a cash advance

A cash advance is a very expensive way to get money, and the risk of falling into revolving debt cannot be ignored. More>>

Save money on holiday meals

10 tips to host a delicious dinner without going into debt.

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Steps to buy a home

Whether buying a home for the first time, buying a second home or considering investment property, you should take steps to protect your investment and financial health.
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How does a reverse mortgage work?

When people are younger and think of cashing in on their home equity, they imagine renting or selling their house. If you're at least 62 years old, you have a third option: a financial product called a reverse mortgage. 
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End-of-year car buying tips

Score a new set of wheels with less hassle. More>>

Transferring credit card balances to a new card

Here are the steps you'll want to take before you actually transfer a balance from an old credit card to a new one and the steps for completing the transfer.
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The top reasons behind the U.S. national debt

In essence, the national debt is the net summation of the budget deficits – a debt that the government owes as an indirect debt to the taxpayers. More>>

The pros and cons of debt settlement

Four years after FTC changes, consumers still need to be cautious.

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Where unemployment hits hardest

Whatever led to your current jobless state, unemployment hurts.
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Flight insurance can take the worry out of flying

Booking a flight can take a sizable bite out of your wallet, especially when you're venturing to a distant part of the globe. Often, the last thing passengers want to do is fork over even more money to take out flight insurance.

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Are you a target for identity thieves?

Identity fraud happens when criminals use someone's stolen identity (identity theft) to commit a crime, such as purchasing items with your credit card. It's not going away anytime soon.
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Six things bad financial advisors do

A good financial adviser can add tons of value to your financial well-being and can enhance your quality of life.
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Top 5 strategies to pay for elder care

Maybe the federal health insurance program primarily for men and women 65 and over, pays doctor and hospital bills for many older Americans. But it doesn't cover everything.
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Coping with financial stress

5 ways to handle money worries.

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Build your credit score

Getting your first credit card can be a challenge.  More>>

Traveler's checks vs. ATM cash: Tips for tourists

There was once a time when traveler's checks were almost as important to overseas travel as a valid passport. That started to change once branded credit and debit cards began to explode in the 1990s.
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Which home updates tend to make back their money?

Do you want to revitalize your kitchen and bathroom this year? If you're planning to sell your home, these rooms will be major points of interest and need to shine.
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Answers to kids' tough money questions

Smart ways to have the money talk. More>>

What is happening to Atlantic City's gambling industry?

It is ironic that Atlantic City, once a bustling seaside resort, home to the Miss America Pageant and the inspiration for the iconic “Monopoly” game, finds itself in the economic doldrums today. 
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Scare up Halloween savings

Halloween has quickly become one of the top consumer-spending holidays. The National Retail Federation estimates that Americans spent close to $7 billion last year on costumes, candy, decorations, pumpkins and more.  More>>

The best jobs for retirees

One of the pleasures of working in retirement is the chance to try something you may have previously been scared to do. More>>

Retirement strategies for low income seniors

The financial crisis, now called the Great Recession, is fading from the minds of Americans, but many households are still feeling its effects. 
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What type of person needs a financial adviser?

Over the past few years much has been written about whether financial advisers really add value to their clients or whether investors are better off handling their own financial needs.  More>>

Avoid these 5 costly money-saving mistakes

Tips for maximizing your savings potential More>>

Typical retirement expenses

Once people reach retirement age, their spending habits often change.  More>>

What drives summer blockbuster movie profits?

Domestic box offices had a terrific summer. IBut what makes the summer months, and the blockbusters the studios release during those months, profitable?

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Protect yourself against identity theft

More than 13 million Americans were victims of identity-theft fraud last year. The number of victims has increased by half a million people since 2012.  More>>

Borrowing from your retirement plan

While most of us would rather not take money from our retirement plans until after we retire, we are sometimes left with no alternative. 
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Unlocking the secrets to a financially happy relationship

Fall is now second only to summer as the most popular time to tie the knot. However, before a couple says, “I do,” it is important to first have a truthful heart-to-heart talk about finances. More>>

Get a handle on medical expenses

Fast action can keep debt under control

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Should you refinance your mortgage?

Weigh the pros and cons before deciding. More>>

HP recalls 6 million laptop power cords

HP issued a voluntary recall, explaining that a recently discovered overheating issue made the cords a “fire and burn hazard.”
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The importance of an emergency fund

4 reasons you need to start saving now.

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Co-workers take dim view of women who seek flex time

Women seeking a better work-life balance are less likely than men to be viewed positively by their colleagues, a new study finds. More>>

Should you change banks?

Nearly 20 percent of consumers have considered switching their checking accounts to a different financial institution, a 2012 Consumer Reports survey found.  More>>

Employees benefit from natural light

Natural light during the work day may benefit employees by improving their sleep and quality of life, according to a new study. More>>

Job search do’s and don’ts

7 tips for landing a new job.

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Six financial steps to take when you move

How to avoid letting relocation damage your credit profile More>>

Wider face may give you an edge in negotiations

Successful negotiations may depend on more than diplomacy. When it comes to negotiating, men with wider faces may have an advantage, according to a new study. More>>

Wipe out debt for good

4 keys to free yourself of credit card debt. More>>

Minnesota family ordered off Southwest flight after dad posts critical tweet

Ever tweeted about poor service from a company? Course you have. Ever had any troublesome comeback from it? Probably not. More>>

Five valuable credit report lessons

What you can learn from checking your credit profile.

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Affordable family fun

© Jupiterimages / BananaStock / Thinstock © Jupiterimages / BananaStock / Thinstock

7 inexpensive summertime activities.

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Rebound from financial pitfalls

4 steps to getting your money affairs back in order.

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Avoid vacation debt by staying home this summer – and still have fun

  Make the most of a staycation with 10 local (and affordable) activities. More>>

Save on moving expenses to stay out of debt

Seven strategies to cut relocation costs.

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Make time for a mid-year money checkup

Now is the time to get finances back on track and dig out of debt. More>>

How to automate job searches and find work faster

 Now that summer is fast approaching and many of you readers out there might soon be looking for employment, we wanted to share one of our favorite tech tricks with you — automated job searching.
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Plan an affordable vacation without going into debt

Stay within your means and still have fun.
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Plan a dream wedding on a dime

Say “I do” without breaking the bank.
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Say good riddance to debt

When you factor in mortgages, car loans, student loans and credit cards, the average American is more than $225,000 in debt. More>>

Tips for repaying student loans

Be smart about paying off education debt.
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4 places to provide money lessons for youngsters

Schools spend a lot of time teaching children reading, writing and arithmetic. Unfortunately, math lessons rarely include a course on how to manage finances.
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5 signs you are ready for home ownership

Owning a home is still many people’s idea of the American dream. Yet purchasing a home still requires a major financial investment and a long-term commitment.
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Test your money smarts

Take this quiz to gauge your financial IQ.
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Reduce your taxes for next year

5 ways to lower your 2014 tax bill. More>>

Make the most of your tax refund

6 ways to use Uncle Sam's check. More>>

Investing 101

Market investment tips for beginners. More>>

Secrets of debt collection agencies

It can be unsettling when a debt collector tracks you down and inquires about repayment. But owing money to a creditor does not place you completely at its mercy. More>>

Cash in on spring cleaning

6 ways clutter-busting can save you money. More>>

6 ways to cut child care costs

Ensure quality care at an affordable price More>>

Tax Tip: Beware of fake IRS emails and phone calls

Tax scams that use email and phone calls that appear to come from the IRS are common these days. These scams often use the IRS name and logo or fake websites that look real. More>>

Tax Tip: The child tax credit may cut your tax

If you have a child under age 17, the Child Tax Credit may save you money at tax time. Here are some key facts the IRS wants you to know about the credit. More>>

Form W-2 missing? IRS can help

Most employers give Forms W-2 to their workers by Jan. 31. If you haven't received yours by mid-February, here's what you should do. More>>

Save money with social media

Find discounts and deals on Facebook and more. More>>

Updated IRS smartphone app now available

Are you on the go but need the latest tax information at your fingertips? There's an app for that. More>>

Report name change before you file taxes

Did you change or a dependent change names last year? If the answer to either question is yes, be sure to notify the Social Security Administration before you file your tax return with the IRS. More>>

IRS small business tax center has everything you need

You don't need to be a tax expert to run a business, but knowing the basics about taxes can help you run it better. More>>

5 simple steps to creating a budget

A budget plays a vital role in helping manage your money, getting out of debt and staying that way. It is also a must for ensuring your long-term financial future. More>>

Romance on a budget

6 low-cost ways to show your love this Valentine's Day. More>>

5 things you need to know about the Affordable Care Act

Learn how health care reform may impact your finances. More>>

Businesses urge change to Obamacare's insurance mandate

Beginning in 2015, U.S. businesses with 50 or more workers must provide health insurance to "full-time" employees, meaning workers who log at least 30 hours a week, on average. More>>

Tax Tip: Top 10 tips about free tax preparation

Each year millions of people have their tax returns prepared for free by volunteers. These volunteers are part of the IRS Volunteer Income Tax Assistance and Tax Counseling for the Elderly programs. More>>

5 steps to protect your credit

Recent data breaches remind consumers to secure financial information. More>>

Get ready for tax season

April 15 might seem a long way off, but tax time has a way of sneaking up on people. Do not wait until the last minute to get your financial documents in order. More>>

5 new year's resolutions for financial improvement

As you resolve to make some changes in 2014, do not forget about improving your financial health. More>>

Make 2014 the year to save money

Whether you are recovering from a holiday spending hangover or simply resolving to do better fiscally in the future, the clean slate of a new year is a perfect time to reassess your finances. More>>

4 bad money habits to break in 2014

Make 2014 your fiscally fittest year yet by kicking these bad money habits. More>>

Make the most of charitable giving and tax breaks

Giving now can save money later on taxes.
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Avoid these 6 holiday spending mistakes

This may be the most wonderful time of the year. But the holiday season also can be one of the costliest. More>>

Save money this holiday season

Avoid a spending hangover with these 5 smart tips. More>>

Financial tips for adults returning to college

Returning to school requires an upfront financial commitment. But college can be affordable when you put these tasks on your personal syllabus. More>>

Keep yourself and your bank account healthy

5 steps to managing medical debt.
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Steps to saving for a down payment

Be smart with your money and move into your dream home sooner. More>>

The DOs and DON'Ts of applying for credit

Understand your risks and obligations. More>>

The changing face of debt settlement

The deeper Americans go into debt, the greater the need for debt relief assistance. If you find yourself in very serious debt, here is what you need to know about getting help. More>>

Financial survival tips for furloughed workers

Many of those who have suddenly find themselves without incomes are facing tough times. These steps can help see you through this lean time. More>>

Manage the costs of pet ownership

If your home is one of the 60 percent of U.S. households that have a pet, here are some things that you can do to ensure the well-being of your beloved furry family member without breaking the bank. More>>

Find your financial footing after bankruptcy

Six tips to get you back on track. More>>

6 financial tips for the savvy single

Taking care of business when you take care of yourself. More>>

How to survive a job loss

Here are 8 tips to help you get through lean times.
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Never too early or too late to plan for retirement

Retirement can sound almost too good to be true. Unfortunately, fewer than half know how much to save in order to maintain something close their current lifestyle. More>>

The company you're keeping on Facebook could affect your credit score Video included

There are a number of valid reasons why you need to keep watch of the people you add and keep on Facebook. More lending outlets are turning to checking social connections online to evaluate people's loan eligibility. More>>

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