Business & Finance

  • Money And Finance

    Housing Counseling Can Help You Turn the American Dream into a Reality

    (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.

  • Money And Finance

    Small Businesses Think Regulations Hinder Growth

    (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.

  • Money And Finance

    Smartphone to Become Wallet -- Are Customers, Businesses Ready?

    (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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Friday 09/19/2014
Housing Counseling Can Help You Turn the American Dream into a Reality
Updated: September 19, 2014 - 3:32 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 - 3:32 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 - 3:31 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 - 3:32 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 - 3:32 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 - 3:32 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 - 3:32 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 - 3:32 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 - 3:32 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 - 3:32 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 - 3:32 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: August 29, 2014 - 3:34 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: August 29, 2014 - 3:34 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: August 29, 2014 - 3:34 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 - 3:32 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 - 3:32 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 - 3:32 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 - 3:32 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 - 3:31 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 - 3:33 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 - 3:33 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 - 3:31 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 - 3:32 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 - 3:33 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 - 3:33 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).

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Thursday 07/31/2014
New Survey: Small-Business Improvement; Employees Concerned About Benefits
Updated: August 01, 2014 - 3:33 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 - 3:33 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 - 3:32 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 - 3:32 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 - 3:33 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
Practical Steps To Better Money Management
Updated: July 25, 2014 - 3:33 am

(NAPSI)—Investing a little time and effort to cultivate a healthier relationship with your money can pay dividends in more ways than one.

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Know Before You Go—Tips On Getting The Most From Your Coupons
Updated: July 25, 2014 - 3:33 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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Ten Tips to Save Money Inside Your Home
Updated: July 25, 2014 - 3:33 am

(StatePoint) Whether you’re a homeowner or a renter, savvy approaches to running your home can save you money according to house smart experts.

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Tuesday 07/22/2014
Getting hitched at home? Things you should think about first
Updated: July 29, 2014 - 3:33 am

(BPT) - Deciding to get married is one of the biggest and most important decisions many people will ever make. According to The Knot and WeddingChannel.com, the average wedding costing more than $28,000 - the cost of a new car or a down payment on a home, so your next biggest decision may be figuring out how to pay for it. With that in mind, many couples are opting to tie the knot at home. Although hosting your special day in your own backyard can cut costs and give you more flexibility, you must address some critical details before you walk down the aisle.

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Saturday 07/19/2014
Four Ways to Save on College Dorm Room Essentials
Updated: July 19, 2014 - 3:32 am

(StatePoint) College tuition may be costly, but outfitting your collegiate student with dorm décor, apparel and everything to support a great academic year doesn’t have to be. With care, college students and their parents can make back to school preparations a wallet-friendly experience.

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Friday 07/18/2014
Establishing a 401(k) at your small business is easier than you think - and helps employees save for the long-term
Updated: July 25, 2014 - 3:33 am

(BPT) - Over the next 16 years, 10,000 people will turn 65 every day. Social Security alone may not be enough to provide an adequate retirement. Every day you hear about the lack of retirement savings and how ill-prepared many Americans are to meet their spending needs during retirement. Many remedies are suggested to help Americans save for the long-term. While there is much discussion around new ideas on how to close the savings gap (state administered plans, myRA savings plan, etc.) one answer to help Americans save more for retirement is available today.

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Thursday 07/17/2014
Making The Right Choices When Incorporating A New Venture
Updated: July 18, 2014 - 3:33 am

(NAPSI)—If you’re passionate about starting a new business, you may have the urge to jump right in without considering several key factors. One of the most critical is selecting a type of business structure and the tax implications that result from that choice.

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Friday 07/11/2014
Tips to Save for College
Updated: July 11, 2014 - 3:32 am

(StatePoint) As thousands of high school graduates prepare for college, more than a few households are coping with “sticker shock” when it comes to higher education costs. And many students are leaving universities not only with a degree, but a mountain of debt.

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Thursday 07/10/2014
Identity Thieves Can Steal Your Financial Stability
Updated: July 11, 2014 - 3:32 am

(NAPSI)—All your hard work to become financially stable can unravel if you become a victim of identity theft.

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Employee engagement is the secret for small businesses to stay productive and make money
Updated: July 17, 2014 - 3:33 am

(BPT) - One of the biggest worries for a small business owner is training and investing in quality employees and then losing them to a larger company – potentially a competitor – that might be able to offer larger salaries or better benefits.

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Wednesday 07/09/2014
5 vital questions to ask your financial professional
Updated: July 16, 2014 - 3:33 am

(BPT) - When was the last time you met with a financial professional? Would you be more likely to keep those appointments if you knew some specific questions to ask? These meetings provide an important opportunity for you to ensure your strategy is still on track and ensure your family and finances are protected. You can get the most out of your meeting by asking the right questions.

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How to find $500 in energy savings in 5 rooms
Updated: July 16, 2014 - 3:33 am

(BPT) - With the demand for electricity and natural gas rising, right along with energy costs, American homeowners can easily spend hundreds of dollars a month on utility bills.

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Tuesday 07/08/2014
Pinching Penny Stocks May Be the Wise Way to Invest
Updated: July 09, 2014 - 3:32 am

(NewsUSA) - With stock market gains moving at a snail's pace over the past decade, some experts have their sights set on the not-so-new darling of the trading world -- penny stocks.

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Latest wrinkle on scams: Crooks pose as member of the military
Updated: July 09, 2014 - 3:32 am

(BPT) - Do you believe members of the military contribute a great deal to society? You’re not alone; a 2013 Pew Research Center opinion poll found that Americans of all ages and walks of life placed military service at the top of the list of 10 professions that do the most good. Unfortunately, scammers are abusing this wide-spread admiration and posing as members of the military in order to trick people into sending them money.

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Bridging the disability insurance gap
Updated: July 15, 2014 - 3:33 am

(BPT) - For most people, the prospect of losing income due to injury or disability is a frightening one, but in reality, few believe it is a challenge they will ever personally face. Only 28 percent of employees feel confident in their ability to replace earnings in the event of a disability, according to findings from the 2014 Prudential report, Disability Insurance: Beyond Paycheck Protection. In addition, just 38 percent think their ability to pay for health care costs - such as wellness and preventative maintenance, chronic conditions, and critical illnesses, is very good.

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Monday 07/07/2014
Growing Investment Opportunities In Green -- and Blue -- Technologies
Updated: July 08, 2014 - 3:32 am

(NewsUSA) - As an investor, you've probably heard companies use the phrase "going green" too many times to count -- but have you heard of "going blue"?

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Thursday 07/03/2014
Researching Your Investment
Updated: July 04, 2014 - 3:32 am

(NAPSI)—Most people have heard of someone who made a bundle from investing in a stock. For every person who made a small fortune, however, there’s probably someone who lost his pants. Simply hearing about a potential winning stock and blindly investing isn’t good enough these days.

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4-H and CME Group to Educate Youth On What "Steers" the Price of Beef
Updated: July 04, 2014 - 3:32 am

(NAPSI)—Fairgoers looking to “beef up” their understanding of the economics of agriculture, including the risks and costs of bringing commodities to the marketplace, will get their chance at 120 state and county fairs this summer. National 4-H Council and CME Group are again bringing their Commodity Carnival, an educational fair experience, to 11 states in year two of their partnership.

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Tips On The Benefits Of Being Charitable
Updated: July 04, 2014 - 3:32 am

(NAPSI)—Paying it forward can pay off on your next tax return, if you keep track of your donations.

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Monday 08/04/2014
Tips to Generate a Second Income
Updated: August 04, 2014 - 3:32 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 - 3:32 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 - 3:33 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 - 3:32 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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Monday 07/14/2014
Commercial ventilation systems 101: What every restaurant kitchen needs
Posted: July 14, 2014

(BPT) - Running a restaurant or food service business is complex. Business owners need the right restaurant equipment to cool, cook and properly store food – but a safe and successful kitchen requires more than that. One of the most important pieces to keep a kitchen functioning smoothly, and the most necessary to obtain proper permits is having the right commercial ventilation system.

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5 things you can't forget when you're catering on the go
Posted: July 14, 2014

(BPT) - Providing warm, delicious food to customers on location is one of the food service industry’s greatest challenges. If you are a restaurateur, caterer, baker or owner of a mobile food stand, you understand how difficult it is to transport and deliver quality food that maintains proper temperatures and the taste your customers deserve.

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Wednesday 07/09/2014
Learn why 3D printing may not be a viable alternative for stamping and machining
Updated: July 09, 2014 - 3:31 am

(BPT) - If your project requires high quality, tight tolerance manufactured specialty washers, shims, seals, gaskets or spacers, you may be interested in exploring your options with 3D printing. This process is the new craze in parts manufacturing and while 3D printing is generating a lot of interest, traditional specialty stamping manufacturers offer customers some very real advantages over 3D printers when it comes to parts that have been traditionally stamped or in some cases machined.

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Tuesday 06/17/2014
How to Network Your Way to a Great New Job
Updated: June 17, 2014 - 3:38 am

(StatePoint) When it comes to getting a job or doing business, social media and other forms of electronic communication are a great networking tool, however, there will never be a substitute for communicating face-to-face.

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Monday 06/16/2014
Fishing for Answers to the Perils of the Open Seas
Updated: June 17, 2014 - 3:38 am

(NewsUSA) - While the movie "Captain Phillips" made for good entertainment, it highlighted a small sampling of the dangers fishing vessels and cargo ships face when traversing the open seas. With the help of advanced technology, the seas are becoming a little safer.

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Wednesday 06/04/2014
FCC Doublespeak: Diversity, African-American Broadcast Ownership Snubbed
Updated: June 05, 2014 - 3:38 am

(NewsUSA) - On March 31, 2014, the FCC voted to slam the door shut on an important gateway to enhancing localism, viewpoint diversity and opportunities in broadcast television ownership. It did so by ruling for the first time that when a TV station provides sales and marketing support for another station in the same market under a Joint Sales Agreement ("JSA"), that station will be deemed the "owner" of the other station for regulatory purposes.

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