Business & Finance

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(NewsUSA) - Saving money is hard. In fact, it has proven so difficult that a June 2011 Bankrate.com poll revealed that only 24 percent of Americans have a six-month emergency savings cushion.

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(NewsUSA) - Whether traveling for business or pleasure, most people will take at least one road trip this year, and when they do, they'll be looking for value.

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Heading to the grocery store might mean you need a little more change in your pockets these days. With severe drought affecting much of the Midwest, economists predict grain, produce and meat prices will increase dramatically.

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(ARA) – Sending a student to college is a proud time for families. But with tuition costs rising and families continuing to face financial challenges, many are taking another look at how to pay for college.

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(NAPSI)—Millions of Americans nationwide prefer the anywhere, anytime convenience of a prepaid card for money transactions versus a traditional bank checking account. Payroll deposits, tax refunds, Social Security and other government benefits, as well as cash, can be received on a prepaid card.

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(NAPSI)—The American dream can come in many forms.

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(NewsUSA) - Communication is a necessary foundation for any good relationship, even the one you have with your financial professional. Regular meetings and connecting through conversation, not just email, create the basis for trust that will sustain your relationship and, ultimately, enable a promising financial future.

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(NAPSI)When it comes to saving money on school supplies and clothes, parents may benefit from doing a little homework.

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(NAPSI)—When it comes to travel, the open road is still king. That’s a key finding from the latest spending data in the Chase Freedom Lifestyle Index.

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(ARA) - Since the onset of the recession when many investment portfolios took a hit, there has been a lot of talk about the value of investing in gold as one way for investors to protect against market volatility and preserve wealth. Now, as policy makers both here and in Europe take steps to stimulate economic growth, there is a group of investors quietly adding gold to their own portfolios: the world's central banks.

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(NAPSI)—According to the National Weather Service, the possibility of an El Niño weather pattern this year means the likelihood of a significant hurricane is lower than average. That means homeowners have more time to prepare.

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(NewsUSA) - Communication is a necessary foundation for any good relationship, even the one you have with your financial professional. Regular meetings and connecting through conversation, not just email, create the basis for trust that will sustain your relationship and ultimately enable a promising financial future.

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(ARA) - Health care today is expensive, but there are ways that you can give your wallet a break. One of the best ways to make health care more affordable is to avoid the need for medical care in the first place.

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(NAPSI)—There can be real benefits to using artificial turf on athletic fields.

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(NAPSI)—The Supreme Court recently reaffirmed that those men who fail to register with the Selective Service System can legally be denied a federal job. In addition, many states and municipalities now link their jobs to Selective Service registration. Even some government contractors are now requiring proof of registration for employment.

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(ARA) - Life insurance might not be as common as you think. Did you know that 30 percent of American households have no form of life insurance whatsoever, leaving millions to struggle to cover day-to-day expenses if a main breadwinner were to pass away? That's according to a study by LIMRA, a worldwide association of insurance and financial services companies.

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(ARA) - Starting a business is a huge endeavor for entrepreneurs, especially when larger expense items are on the required equipment list. During a business's first few years of operation, renting equipment, rather than purchasing it outright, can allow the company to save money and invest toward becoming established.

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(ARA) - It's no secret small businesses are essential to the economy. The latest U.S. Census Bureau's Survey of Business Owners reported women owned 7.8 million businesses and accounted for 28.7 percent of all businesses nationwide. These small business firms generated $1.2 trillion in receipts. Given the challenges facing small businesses overall in this current economic climate, now more than ever women are navigating work-life demands, business management and talent retention issues.

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(ARA) - We keep hearing the words "bad economy," and while views differ on the strength of the recovery, the reality is that most people are still feeling the aftermath of the recent recession. The good news is that you have control over your own personal economy. More than ever before it's easy to save money and manage your finances. With the abundance of online tools and free apps, consumers can find the best prices and keep track of their spending in mere seconds - they just have to make a concerted effort.

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(ARA) - The warm weather and long days of summer can give us a free and easy feeling - that is, until it's time to pay the utility bill. Utility costs can add up fast with increased use of the air conditioner, appliances and other household items during peak times. Yet it's easy to cut energy bills if you take simple steps to adjust your daily routine. Here are some tips for staying cool while reducing energy costs this summer.

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(NewsUSA) - The 99 percent has watched gas prices follow a perpetual climb that has left consumers wallowing at the pump. By the beginning of April, the national average was $3.92. Though it's since fallen about 18 cents for most regions, the west coast is still

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(ARA) - As the end of summer nears, the flashing red lights of yellow school buses will caution drivers to stop as students board. College students will pull out of driveways with cars filled to the brim with dorm room supplies. And the school bells will echo across the playground, signaling the start and end of classroom learning.

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(ARA) - It is time to make history by changing history. For more than 40 years - and through eight presidents - the United States has been dependent on foreign oil to power the nation. Today, energy independence is a realistic goal, one founded on American innovation, technology and hard work.

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(ARA) - The Great Recession will probably be a subject of discussion and debate for decades to come, but one certain ideology has emerged from it: small businesses have had to reassess how they manage cash flow.

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(ARA) - Network connection speed is always increasing, and small business owners should think about how they can stay abreast of improvements and use new technology to their advantage.

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(NAPSI)—As you are well aware, a great deal of the energy and attention in this country is focused on creating jobs. As the Secretary of Labor, this challenge is foremost on my mind. But creating jobs is only part of the puzzle.

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(NAPSI)—Did you know that the average American worker holds between seven and 10 jobs in their lifetime? Because of our rebounding economy, the U.S. is seeing a skills gap—a mismatch of open jobs with skilled workers.

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Employees are the heart of any business, so recognizing their value and helping them work efficiently is vital to an organization's success. To make sure their workforces are operating at optimal levels and to promote growth, many companies hire individuals trained in industrial organizational psychology, an area of behavioral science devoted to the study of how people work.