(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.
(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.
(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.
(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).
(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.
(NAPSI)—Investing a little time and effort to cultivate a healthier relationship with your money can pay dividends in more ways than one.
(NAPSI)—Whether you are a committed clipper or you have a more laid-back relationship with coupons, there’s good news.
(StatePoint) Whether you’re a homeowner or a renter, savvy approaches to running your home can save you money according to house smart experts.
(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.
(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.
(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.
(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.
(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.
(NAPSI)—All your hard work to become financially stable can unravel if you become a victim of identity theft.
(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.
(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.
(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.
(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.
(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.
(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.
(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"?
(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.
(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.
(NAPSI)—Paying it forward can pay off on your next tax return, if you keep track of your donations.
(BPT) - If you’ve just finished high school and you’re headed to college, or if you’re an adult student looking to go back to school, chances are you’ve thought about student debt. You’re not alone.
(NewsUSA) - Have you forgotten something in figuring where you're going to retire to?
(NewsUSA) - Talk about annoying.
(BPT) - You answer calls to support your alma mater, the local animal shelter and the American Red Cross with gifts of money and volunteer time. And after cleaning out the closets, dressers, kitchen cabinets and garage, you take a trunk load of donations to the thrift store.
(NAPSI)—Flexibility, predictability and a manageable tax liability—these are among the features those planning for retirement often look for.
(NAPSI)—A moderate version of Islam is proving to be a key element of a successful approach to keeping religious extremism in check.
(NewsUSA) - As the weather heats up, more people imagine themselves in a new destination taking a much-needed break from their daily routines. But research shows that many Americans never take that all-important next step: actually planning a vacation.
(BPT) - With summer bringing the celebration of our country’s freedom and a bit more flexibility in our hectic schedules, it’s also a time to reflect on the American dream: life, liberty and the pursuit of happiness. For many Americans, that means seeking success and prosperity by building their own business.
(NewsUSA) - It's a thorny subject, no matter whom you talk to or whether it's in the U.S. or abroad. The debate over legalizing marijuana -- be it medical or recreational -- has raged for decades, and has only just started to see the seeds of fruition stateside.
(BPT) - This is a special time of year. Across the nation, graduates are on the horizon of new careers and building their own lives.
(StatePoint) Most Americans understand the importance of saving for retirement but unfortunately, not everyone’s concerns translate to action.
(BPT) - Recent graduates have a lot on their minds: moving, finding a job and the looming repayment of school loans. Retirement is typically low on the list of priorities, but ignoring the issue entirely can literally cost young professionals hundreds of thousands of dollars.
(BPT) - One in two American workers are projected to be self-employed by 2020, according to MBO Partners. While the shifting economy has surely pushed some people into independent work, many have chosen it. Career goals for contemporary professionals are changing and given how quickly this trend is taking hold in the United States, today’s employees who aspire to be tomorrow’s contract workers need to prepare now to navigate this changing landscape.
To help professionals effectively transition to contract work, the Career Advisory Board, established by DeVry University, worked with MBO Partners, Inc., a provider of back office services for self-employed professionals, to conduct a new study, The Future of Work: Preparing for Independence, which examined the attributes and skills of those who are gainfully self-employed to help aspiring contractors get and stay ahead in this ever-changing work environment.
According to the study, professionals are choosing self-employment in order to control the type of work assignments they pursue (67 percent), to have a greater sense of flexibility and work-life balance (64 percent), and to follow a passion (59 percent).
“While they are young, millennials should be proactive in taking advantage of intrapreneurship and training opportunities, as well as acquiring transferable skills like project management, budgeting, sales, and marketing, in an established organization,” says Alexandra Levit, Career Advisory Board member. “This will be the foundation of a viable contract career in the future.”
Based on the research findings, the Career Advisory Board recommends the following strategies to help professionals excel in independent employment:
Take off the blinders: Being your own boss may sound enticing, but it also comes with its own set of challenges. Survey respondents said that in addition to having solid expertise in a particular field, successful contract workers must be self-starters who have the ability to cope with uncertainty, including an unpredictable income stream. Many contactors work remotely, have multiple clients to report to, and have to juggle multiple projects at once. Assess your strengths and weakness before jumping into contract work, make sure you have an organized action plan to help you start off on the right foot, and always keep an open mind and be able to adapt quickly.
In-person networking still trumps social media: The survey pool reported that while social media is important for contractors’ branding and reputation, it often does not generate income. In fact, just 6 percent said social media outreach led to paid project work. Therefore, create strong profiles on sites like LinkedIn and Google+, but refrain from spending too much time on these networks and make sure you still build in face time. Seek in-person meetings, attend events and workshops, and be visible to your future clients beyond your social media accounts.
Start small and look local: Although technological advances allow many self-employed professionals to offer their services globally, the majority of the respondents still obtain most of their work assignments from within their immediate metropolitan area. While it’s a good long-term goal to think about how you might leverage a larger and more diverse pool of potential clients, aspiring contractors should first embark on being visible in their local communities. It is also a good rule of thumb to start small with only one or two clients until you master the craft of contract work.
“As independence is becoming more desired in today’s economy, professionals need to stand out by building strong networks in their communities and being visible to local employers that use contract work,” says Gene Zaino, president and CEO, MBO Partners. “Use your time wisely – stay focused on your core, billable expertise and find ways to outsource other non-essential functions.”
For additional career advice and to view The Future of Work: Preparing for Independence executive summary, visit: www.careeradvisoryboard.org.
(BPT) - Roughly half of all college students find summer employment, according to the Bureau of Labor Statistics. While there are no statistics for how much money those in the lucky half were able to successfully save, it’s safe to say that for a good portion of millennials, spending and summer fun, go hand in hand.
(NAPSI)—Jobs with the federal government offer many benefits, everything from good pay to pensions.
(BPT) - An improving economy has many people entering the job market and looking for new employment opportunities. But if job seekers are not insurance-smart in their search, they may end up in worse financial shape than they were in their previous role.
(NewsUSA) - Talk about annoying.
(NAPSI)—By February 2009, Ken Campbell had had enough. The Lincoln, California horse rancher caught the now famous economic “rant” by CNBC correspondent Rick Santelli, who said on national TV, “We’re thinking of having a Chicago tea party in July. All you capitalists that want to show up at Lake Michigan, I’m gonna start organizing.” Santelli didn’t start organizing a local tea party but Campbell did.
(BPT) - Teaching your kids to be financially savvy could help them to be financially confident and successful in the future. As credit card debt and low retirement savings continue to frustrate many Americans, you can help your kids steer clear of these and other financial pitfalls by talking to them early on about the value of money. In fact people who have had financial education participate more often in retirement programs, make larger contributions to the programs and have a much higher savings rate than others, according to research from the U.S. Department of the Treasury.
(NewsUSA) - Waiting to take Social Security retirement benefits can increase your monthly benefit as much as 76 percent, according to a new toolkit, "When to Take Social Security: It Pays to Wait," released by the nonpartisan National Academy of Social Insurance (NASI).
(BPT) - The United States is a country of renovators and remodelers, judging from the steady growth of home improvement projects across the nation in recent years.
(BPT) - When you think about health care, doctors and hospitals often come to mind, but it’s important to remember that the person staring back at you in the mirror may be your greatest health advocate. After all, no one knows your body or mind like you do. This is particularly important for the more than 52 million Americans enrolled in Medicare. Being an advocate for your health can help keep you well, and could save you money on your Medicare coverage, too.
(NAPSI)—Many Americans trying to get their financial lives back on track could benefit from five tips for building a brighter financial future.
(NAPSI)—With mortgage rates still low, now could be a great time to buy a new home. Before diving into the market headfirst, however, it’s important to do your homework so that you’re prepared to tackle each hurdle in the homebuying process. With this in mind, the “What I Wish I Knew About the Homebuying Process” survey gauges the preparedness of recent homebuyers. As a result, these five tips can help you make the right homebuying decision.
(NAPSI)—As children, we were taught not to open the door to strangers or let an unidentified caller know our parents weren’t home. Today, as adults, we’ve been warned not to believe an email claiming a loved one is stranded in London without money, and not to sign the back of our credit cards with anything other than “See Photo ID.”
(NAPSI)—Whether retirement seems like it’s just around the corner or years away, it’s good to know that Social Security is working for you now—even if you’re not receiving benefits yet. How? By providing you with the information you need to plan ahead for the retirement you want.
(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.
(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.
(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.
(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.
(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.
(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.
(NewsUSA) - America used to be considered a superpower -- a place where dreams were made. While, globally, it is still considered a great nation, there is no arguing that its image has become tarnished as of late, and it's citizens a little more tired.
(StatePoint) If you own a small business, you know that online visibility is one of the keys to success. And these days, harnessing the Web is crucial to any marketing plan.
(BPT) - When you think of public servants or people who do heroic jobs, do you picture police officers, firefighters and soldiers? While all those people selflessly serve the public, they’re not the only everyday heroes whose jobs contribute to the greater good. The field of public service is broad, encompassing teachers, health care workers, law enforcement professionals and social workers.
(StatePoint) Despite the time commitment and financial investment that come with the territory, more than 25 million people nationwide have opted to start a microbusiness – a company with five or fewer employees.