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

Belichick and Carroll prove there's more than one way to lead

The Super Bowl exemplifies the importance of embracing an authentic leadership style to produce a winning team.

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How to travel smartly during a blizzard

If you need to be on the move during Winter Storm Juno, here's what you can do to make sure you're prepared.

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Revive these 6 New Year’s resolutions to perk up your tax prep process

There is still time to resolve to make tax day easier this year.

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How bad is my credit score?

If you have really bad credit or really good credit, you probably already know it. But there's that vast middle area where your score is too low to get the best offers. More>>

6 great-sounding phrases to remove from your resumé

Imagine you are a HR Director and it's time to cull the resumés. Make sure your resumé rises to the top by avoiding these mistakes


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How Obama would build a middle class economy

President Obama addressed the joint houses of Congress Tuesday night in a State of the Union speech filled with plans to strengthen business.

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A beginner’s guide to applying for financial aid

10 things to know when seeking financial assistance for college More>>

Student loan debt: Who is helping us get out of it?

Millions of young people are trapped under a mountain of student loan debt right now. Here are the companies and organizations trying to save them.

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The economic impact of better US-Cuba relations

The República de Cuba is not quite at the point where it is ready to become a full-fledged member state of the free and developed world, but it is a lot closer now than it has been in several decades.  More>>

15 of the most unbelievable things job interviewees did

From sitting in a yoga pose to bringing a dog in a duffel bag, people have odd ideas of how to land a job.

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Why poor presentations are like bad reality shows

Don't do this! Instead, use these 5 ways to create a compelling presentation

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How to get the best mortgage rates

You want to purchase a home. For most people that means getting a mortgage. This is not the time to let somebody else do the shopping for you. More>>

Buried in holiday debt? Pay it off fast

8 steps to eliminate credit card debt and work toward financial freedom in 2015.

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8 smart ways to stop people from checking their smartphones during meetings

Ninety-four percent of bosses say it's wrong to use smartphones during meetings. But everyone still does it.

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Do you know how to beat your broker?

As retail investors, we sometimes forget that our trading capital is our working capital.  More>>

Should you tap into savings to pay off debt?

Many workers are tempted to withdraw money from their retirement accounts when holding debt they want to pay down.  More>>

Apple Pay vs Google Wallet: How they work

Apple Pay and Google Wallet are mostly identical offerings. Apple may be to be easier to use, but Google has a more features. More>>

Get fit while keeping your wallet in shape

If you resolved to get healthier in the New Year, try these eight tips to do it affordably

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4 big trends to watch for at CES 2015

Check out this list of tech one expert predicts will be all over the place at this year's Consumer Electronics Show.
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3 tips for better New Year's resolutions

The author of a book on the best way to change your habits offers advice to set resolutions you'll actually keep.

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8 ways to make 2015 better financially than 2014

New Year's resolutions to save money can come true this year

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Smartphones may charge up your thumbs

Regular use of touch screens on smartphones changes the way your fingers and brain work together, a new study reveals. More>>

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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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>>

Constant email checks can leave you stressed

Looking for a way to help reduce your stress? Try checking your emails less often, researchers suggest. More>>

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>>

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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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>>

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 pros and cons of debt settlement

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

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Coping with financial stress

5 ways to handle money worries.

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Answers to kids' tough money questions

Smart ways to have the money talk. More>>

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>>

Avoid these 5 costly money-saving mistakes

Tips for maximizing your savings potential More>>

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>>

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>>

Save money with social media

Find discounts and deals on Facebook and more. 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>>

Best ways to save on travel using airline miles

Airlines and their credit card company partners are experts at promoting their programs, but how likely are you to ever cash in?  More>>

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