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Business & Finance

  • New Survey: Small-Business Improvement; Employees Concerned About Benefits

    (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.

  • Noncitizens And Selective Service

    (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.

  • Going back to school? Tips to choose the right degree

    (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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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: July 31, 2014 - 3:33 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 01, 2014 - 3:33 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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Money-saving tips so you can earn your degree without going into debt
Updated: July 10, 2014 - 3:32 am

(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.

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Tuesday 07/01/2014
Getting the Best Price for Your House to Help Finance Your Retirement
Updated: July 02, 2014 - 3:33 am

(NewsUSA) - Have you forgotten something in figuring where you're going to retire to?

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Comparison-Shopping for Life Insurance Made Easy
Updated: July 02, 2014 - 3:33 am

(NewsUSA) - Talk about annoying.

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Monday 06/30/2014
How to maximize your tax benefits from charitable gifts
Updated: July 26, 2014 - 3:32 am

(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.

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Thursday 06/26/2014
Longevity Annuity Alleviates Worry Of Outliving Your Money
Updated: June 27, 2014 - 3:32 am

(NAPSI)—Flexibility, predictability and a manageable tax liability—these are among the features those planning for retirement often look for.

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Religious Moderates Are Keeping Extremism At Bay
Updated: June 27, 2014 - 3:32 am

(NAPSI)—A moderate version of Islam is proving to be a key element of a successful approach to keeping religious extremism in check.

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Wednesday 06/25/2014
Take Ownership of Your Vacation Time
Updated: June 26, 2014 - 3:32 am

(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.

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When freedom rings: top tips to help launch your own business
Updated: July 02, 2014 - 3:33 am

(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.

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Tuesday 06/24/2014
Canada Opens Floodgates for Marijuana Investments in the U.S.
Updated: June 25, 2014 - 3:32 am

(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.

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Student loan aftermath: educating graduates on the importance of credit scores
Updated: July 03, 2014 - 3:32 am

(BPT) - This is a special time of year. Across the nation, graduates are on the horizon of new careers and building their own lives.

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Monday 06/23/2014
Don’t Put Saving for Retirement on the Back Burner
Updated: June 23, 2014 - 3:35 am

(StatePoint) Most Americans understand the importance of saving for retirement but unfortunately, not everyone’s concerns translate to action.

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The real cost of delaying retirement savings will shock you
Updated: June 30, 2014 - 3:32 am

(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.

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The self-employment surge and how professionals can best prepare
Updated: June 30, 2014 - 3:33 am

(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.

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Don't go back to college broke
Updated: June 30, 2014 - 3:33 am

(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.

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Thursday 06/19/2014
Tips For Finding Work With The Government
Updated: June 20, 2014 - 3:36 am

(NAPSI)—Jobs with the federal government offer many benefits, everything from good pay to pensions.

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Thursday 06/12/2014
Overlooking insurance during your job search could cost you
Updated: June 19, 2014 - 3:40 am

(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.

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Thursday 06/05/2014
Shopping for Life Insurance Now as Easy as Booking a Hotel Room
Updated: June 06, 2014 - 3:37 am

(NewsUSA) - Talk about annoying.

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Issues Motivate Tea Party Members
Updated: June 06, 2014 - 3:37 am

(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.

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Teach your kids the value of money
Updated: July 31, 2014 - 3:33 am

(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.

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Wednesday 06/04/2014
Thinking About Retirement and Social Security? It Pays to Wait
Updated: June 05, 2014 - 3:39 am

(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).

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Tuesday 06/03/2014
Home renovation starts with good planning and good insurance
Updated: June 10, 2014 - 3:38 am

(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.

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Monday 06/02/2014
Be your own health advocate to live well and save money with Medicare
Updated: August 01, 2014 - 3:33 am

(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.

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Thursday 05/29/2014
Five Dos And Don'ts For Financial Security
Updated: May 29, 2014 - 7:51 pm

(NAPSI)—Many Americans trying to get their financial lives back on track could benefit from five tips for building a brighter financial future.

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Five Tips To Help You Land A Home You'll Love
Updated: May 29, 2014 - 7:51 pm

(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.

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Easy Ways To Protect Yourself Against Phone Scams
Updated: May 30, 2014 - 3:35 am

(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.”

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Millions Are Already Doing It...Are You?
Updated: May 30, 2014 - 3:35 am

(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.

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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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Wednesday 05/28/2014
American CurrentSee: A New Publication That Empowers the People
Updated: May 29, 2014 - 3:35 am

(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.

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Saturday 05/10/2014
This Small Business Week: Don’t Neglect Your Online Presence
Updated: May 10, 2014 - 3:32 am

(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.

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Thursday 05/08/2014
Giving back to the everyday heroes who inspire you
Updated: May 13, 2014 - 3:40 am

(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.

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Saturday 05/03/2014
Four Tips for Growing Your Small Business
Updated: May 03, 2014 - 3:32 am

(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.

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