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Financial News from US News & World Report

  • Before the big day, couples are often consumed with wedding planning and might not be thinking too deeply about the details surrounding the honeymoon, which should include contingency planning. Dan Sondhelm, a partner and senior vice president at a marketing and public relations firm in Alexandria, Va., spent his honeymoon …

  • Former U.S. congressman John Hostettler once said, "The Internal Revenue Code and regulations add up to 1 million words and is nearly seven times the length of the Bible." According to a 2008 Vanguard publication, "Tax-Efficient Equity Investing: Solutions for Maximizing After-Tax Returns," taxes have the potential to …

  • Homebuying has earned a bad rap in recent years: The subprime mortgage crisis and ensuing economic meltdown left many homeowners underwater, unable to pay their mortgage and even facing foreclosure. Homeownership rates fell throughout the recession and got down to about 65 percent, compared with almost 70 percent before …

  • The Retirement Reality Gap US News - 19 hours ago

    The new post-Great Recession economy has taken its toll on retirees, as well as those of us looking forward to retirement in the near future. Unfortunately, there's something of a reality gap between what today's workers think about retirement and what actually happens in retirement. According to a 2013 survey by the …

  • How to Lease a Car for Less US News - 20 hours ago

    If you're in the market to lease a brand new car, you're probably dreading the day-long negotiations, the feeling of uncertainty and dealing with smooth-talking salespeople. For the last month, my husband ...

  • How to Save Money Around the House US News - 20 hours ago

    Having recently moved, a big topic of conversation has been our household expenses. Saving a few dollars on each of your household expenses may seem minute now, but it will add up in the long run.

  • The recipe for finding financial success is an easy one. If you do that over and over, you will see financial success.

  • Arianna Huffington has a message for you: There's more to life than work. Huffington shared insights on how to do this at San Francisco's Yerba Buena Center for the Arts on March 27, in conjunction with the release of her book "Thrive: The Third Metric to Redefining Success and Creating a Life of Well-Being, Wisdom, and …

  • Which of these words have you used to describe yourself on your LinkedIn profile or résumé? A recent LinkedIn study identified these as 13 of the most overused buzzwords worldwide in members' profiles for 2012 and 2013. When used correctly, they can add substance to your claim of being an effective communicator.

  • How to Plant a Garden On a Budget US News - 21 hours ago

    A seedling might cost you just a dollar or two but yield vegetables and fruit throughout the season that would otherwise cost you many dollars a pound. If you don't have a lot of room, or time, to build a raised bed, begin with a few pots and try container gardening. If you're going to work with a container garden, don't …

  • 5 Mistakes Renters Make US News - 21 hours ago

    Here's a look at how new and seasoned tenants can navigate the sometimes confusing rental process. "A lot of times pictures look great, and you get there and see everything that's wrong with [the unit]," says Mia Melle, president of the Southern California-based property management firm Renttoday.us. "Check out the unit …

  • The Best Ways to Invest $5,000 US News - Mon, Apr 14, 2014 2:00 PM EDT
    Some Canadian currency.

    But is it best to put it in a mutual fund, certificate of deposit, index fund or exchange-traded fund? Well, it depends," says Greg McBride, chief financial analyst of Bankrate. Before you get to specifics, such as how much risk you can stomach or what to choose off the menu of investments, start with the basics. "The …

  • 6 signs you are not ready to retire US News - Mon, Apr 14, 2014 10:32 AM EDT
    retirement

    Hitting a certain age neither guarantees nor necessitates retirement. Your retirement should begin when you determine you are ready and able to do so, regardless of how long you have lived. If you have done an analysis of your expected inflow and outflow of retirement funds and are running in the red, retiring now is …

  • Pros and Cons of Filing a Tax Extension US News - Mon, Apr 14, 2014 10:21 AM EDT

    Most people think the reason to file a tax extension is because you are really pressed for time or have a colossal problem that forces you to postpone doing your taxes. Filing a tax extension may be looked upon as a character weakness because you can't get your taxes in on time. Actually, filing a tax extension has its …

  • 7 Beliefs About Your Job Search That Are All Wrong US News - Mon, Apr 14, 2014 9:35 AM EDT

    If you're like most job seekers, you approach your job search with a set of beliefs about how the hiring process works, what responses from employers are good signs and what responses are bad. Here are seven of the most common things job seekers often get wrong about their searches. But employers often have numerous perfectly …

  • How to Cut Your Energy Costs This Summer US News - Mon, Apr 14, 2014 9:28 AM EDT

    Amid all the fun, though, lurks the summer surcharge -- higher electricity bills to keep you cool in the blazing heat. To save more on electricity in the long run, invest some cash in a few choice preventive measures. You should treat your home's HVAC system just like a car -- routine maintenance will keep it in tip top …

  • How to Pay Lower Fees on Your Retirement Investments US News - Mon, Apr 14, 2014 9:15 AM EDT

    Here's how to minimize the cost of your retirement investments: In some cases, 401(k) fees are so high that they can cancel the tax benefit of investing in a 401(k) plan for long-term investors, according to a recent study by a pair of Yale University and University of Virginia professors. The study of 3,000 401(k) plans …

  • During meetings with a financial advisor, it's common for the advisor to ask most of the questions: "Has anything changed since we last met? The typical financial advisor served 156 households last year, according to a December 2013 report by PriceMetrix, which provides software and services for wealth management firms. …

  • How to Avoid Being Confined to the Intern Pool Forever US News - Mon, Apr 14, 2014 9:00 AM EDT

    It could be the notion that any job is better than no job, the slow economic recovery, the hundreds of thousands of dollars you owe in student loans or the need to step out on your own that led you to this internship. Follow this advice to use your temporary experience as a stepping stone to permanent placement. If you …

  • 4 Air Conditioning Terms That Could Save You Thousands US News - Sun, Apr 13, 2014 9:00 AM EDT

    If you're like most Americans, you probably just ignore your air conditioner -- at least, until it breaks. But taking the time to understand certain air conditioning terms before you fix your air conditioner can make all the difference in your long-term electricity bills. SEER is a measure of a system's efficiency. According …

  • The ABCs of Résumés US News - Fri, Apr 11, 2014 4:26 PM EDT
    10 coisas que deixam os homens completamente loucos na vida de casado

    Your résumé is the Master key that leads to a new job; It's OK to ace one of the go-to résumé formats.

  • 10 Keys to Home Staging on a Budget US News - Fri, Apr 11, 2014 12:05 PM EDT

    "Updating isn't as expensive as it used to be," says Lori Matzke, author of "Home Staging: Creating Buyer-Friendly Rooms to Sell Your House" and a home staging expert in Minneapolis who teaches workshops nationwide. "I've seen houses that look really frumpy on the outside and great on the inside," Matzke says, "but you …

  • Options for the Unbanked US News - Fri, Apr 11, 2014 10:19 AM EDT

    Almost 10 million U.S. households don't have a bank account. That's one of out of 12 homes in the nation, according to a 2011 survey by the Federal Deposit Insurance Corporation. Many people don't want a bank account. According to research conducted over the past few years by the Federal Reserve and released in its 2014 …

  • How to Maintain Your Nest Egg in Retirement US News - Fri, Apr 11, 2014 9:34 AM EDT

    It would be easy to assume that, once you enter retirement, your work as a retirement investor is done.

  • Tips for Toasting Newlyweds Without Toasting Your Wallet US News - Fri, Apr 11, 2014 9:23 AM EDT

    The costs associated with attending a wedding -- from gifts to fancy apparel to travel -- can be budget busters, especially if you have numerous weddings over the course of these two busy seasons. Guests need not buy expensive items from the couple's long wedding registry or write a big check. Sure they'll likely have …

  • 10 Ways to Save on Gowns, Tuxes and Designer Formal Wear US News - Fri, Apr 11, 2014 8:45 AM EDT

    With spring wedding season kicking off and prom just around the corner, formal wear is back! If, after rummaging through the depths of your closet, you find yourself with nothing to wear, keep these tips in mind while searching for a fabulous, formal and affordable find. Remember, your formal wear will be some of the least …

  • 5 Reasons You Desperately Need a Budget US News - Fri, Apr 11, 2014 8:45 AM EDT
    Carl Richards: Carefree spending

    If you do prepare a household budget, a recent Gallup poll showed you're in the minority. According to a recent report from the Federal Reserve Bank of New York, non-housing household debt rose 3.3 percent to $2.94 trillion in the last quarter of 2013, with $11 billion of the surge attributed to credit card balances alone. …

  • In Retirement, When Do You Turn Over Your Accounts? US News - Thu, Apr 10, 2014 1:51 PM EDT

    These forms include the "Do not resuscitate," and even the "Do not send to hospital," release forms that you may want to decide on in advance, rather than leave to the sole discretion of a medical professional.

  • 10 Numbers Everyone Should Know About Social Security US News - Thu, Apr 10, 2014 1:29 PM EDT

    Pay attention to these important components of Social Security. Workers pay 6.2 percent of their earnings into the Social Security system, and employers pay a matching 6.2 percent. This is the income cap for Social Security taxes in 2014. Workers do not pay Social Security taxes on earnings that exceed $117,000 and will …

  • How to Budget For Health Care Expenses in Retirement US News - Thu, Apr 10, 2014 11:55 AM EDT

    New research indicates that entering retirement in good health can result in a major cost savings: Those who retire in good health may need 19 percent less money over the course of retirement than people with chronic conditions and bad habits, according to a 2013 Fidelity Investments Retirement Savings Assessment survey …

  • Hiring Right: How to Attract Productive Talent for Your Team US News - Thu, Apr 10, 2014 10:50 AM EDT

    Typical job descriptions frequently sound like a dating ad where the user asks for every "nice to have" credential instead of what is actually required to be successful. Either way, neither of you is set up for long-term success.

  • 5 Simple Things to Prepare Now for Your Estate US News - Thu, Apr 10, 2014 10:44 AM EDT

    You should also include a statement of any accounts with significant assets -- your retirement accounts, investment accounts, savings accounts and so on.

  • So you've been searching for months for a new job and you're itching to get out of your current job. You get an offer and feel instant relief; now you can quit the job you dread going to in the morning ...

  • 5 Ways to Save on Lawn Care US News - Thu, Apr 10, 2014 9:00 AM EDT

    As the weather warms up and flowers begin to blossom, Americans with grassy yards will soon be thinking about mowing and lawn care. Lawn and garden costs can vary depending on factors like the size of your yard and how much rain it receives. But as Mark Clement, host of the MyFixitUpLife radio show and blog of the same …

  • Do These 3 Things to Improve Your Credit Health US News - Thu, Apr 10, 2014 9:00 AM EDT

    So you made some financial missteps in the past, and now you're paying for it with your low credit score. Ask for a higher credit limit. Your credit card utilization rate is one of the most significant factors of your credit score. You can calculate yours by dividing your total credit card balances by your total credit …

  • 6 Ways to Pay Off $600 or $6,000 in Credit Card Debt US News - Thu, Apr 10, 2014 9:00 AM EDT
    A consumer holds her credit cards in Washington

    Debt reduction is an important step toward achieving a stable financial future. There can be fees associated with a transfer, so make sure the lower interest rate offsets the cost.

  • 10 Easy Ways to Pay Off Debt US News - Wed, Apr 9, 2014 5:15 PM EDT

    In fact, the average U.S. household has more than $15,000 in credit card debt, according to a 2014 NerdWallet analysis. "The first step to solving your debt problem is to establish a budget," writes Money Crashers contributor David Bakke. Sort your credit card interest rates from highest to lowest, then tackle the card …

  • 5 Alternatives to the 30-Year Mortgage US News - Wed, Apr 9, 2014 2:45 PM EDT

    If you're buying a house, chances are you'll take out a 30-year fixed-rate mortgage. In the last couple of years, those who took out home loans overwhelmingly chose the 30-year fixed-rate mortgage: It accounted for 85 percent of the home-purchase loan market in 2012, according to Freddie Mac, and 90 percent in the first …

  • For the better part of a year, investors have been reading about a "crisis" in emerging markets. Although there is always some element of truth in these fear-inducing headlines, the question for investors is, "What should I do about them?" For most investors, doing nothing should be the default option, as any response …

  • Use Social to Stay Visible and Stay Current US News - Wed, Apr 9, 2014 10:55 AM EDT

    Social media platforms change a lot. New tools and social networks pop up every day. Instead of waiting for a moment of crisis, begin exploring new social media channels now. It's wise to proactively set aside some time experimenting with new social networks and social media tools.

  • 2 Minutes to Glory: Land a Job Using a Video Cover Letter US News - Wed, Apr 9, 2014 10:50 AM EDT

    You may be surprised the next time you apply for a job to have the opportunity to include a video in your application, or to be invited to send in a video after you apply. Many employers, seeking an efficient and effective way to evaluate applicants, are investigating ways to incorporate video technology into their hiring …

  • 5 Dangers in Working For a Bad Boss US News - Wed, Apr 9, 2014 10:45 AM EDT

    Bad managers come in all shapes and sizes -- some are jerks, some are passive pushovers, some can't delegate or give feedback or set clear expectations and some are simply incompetent. For instance, if you work for a manager who always shoots the messenger and punishes dissent, you might get used to keeping your head down, …

  • How Good is a Tax-Deferred Retirement Account? US News - Wed, Apr 9, 2014 10:31 AM EDT

    But I worry that all the coverage of how bad many 401(k) fund choices are will simply drive even more people away from saving for retirement using these tax-deferred accounts. Our 401(k) system is far from perfect, but contributing money to these accounts is still one of the best moves you can make for your retirement. …

  • Top 9 Online Outlet Stores US News - Wed, Apr 9, 2014 9:26 AM EDT

    It used to be that you had to go to an actual outlet mall to shop at an outlet store, but these days you can shop online outlet stores from the comfort of your own couch. Not all online outlet stores are created equal, however. Here are nine of the best online outlet stores that offer not only a great array of products, …

  • 9 Ways to Earn Extra Money Outdoors US News - Wed, Apr 9, 2014 9:20 AM EDT

    Look on Craigslist to see what people need in your area, or go door-to-door in your neighborhood offering lawn mowing, raking, house painting or other services.

  • How to Afford Your Next Midlife Crisis US News - Wed, Apr 9, 2014 9:20 AM EDT

    A midlife crisis might most famously involve a new sports car or an affair. But for many people between ages 35 and 45, it can also encompass a more general feeling of unease and the accompanying desire ...

  • 3 Ways to Save on New Clothes for Baby US News - Wed, Apr 9, 2014 9:16 AM EDT

    This fast growth translates into a lot of baby clothes, as your little one quickly graduates from newborn and 3- to 6-month sizes all the way up to sizes 12-, 18- and 24-months. As I wrote last week, when you're on a budget and have a baby, outfitting your little one in gently-used clothes is probably the most frugal option …

  • Alternatives to putting 20 percent down on a home US News - Tue, Apr 8, 2014 3:42 PM EDT
    home

    "It's a myth that all homebuyers must have a 20 percent down payment to buy a home," says Nancy Herrera-Siples, a Riverside, Calif., branch manager at Primary Residential Mortgage. "Putting less than 20 percent is OK with most banks," agrees Christopher Pepe, president of Pepe Real Estate in Brooklyn, N.Y. So why do you …

  • 5 ways to boost your Social Security payments US News - Tue, Apr 8, 2014 3:38 PM EDT
    Social Security

    One of the most important retirement decisions you will make is when to sign up for Social Security. Here are five great ways to make the most of your Social Security benefit: Social Security payments are calculated using the 35 years of your career when you earned the most. "If you are still working, the way to increase …

  • 4 Essential IRA Planning Tips US News - Tue, Apr 8, 2014 3:36 PM EDT

    The April 15 deadline to make your 2013 individual retirement account contributions is fast approaching, and competition for your IRA dollars is intense. An IRA can be a very effective retirement planning tool. These might include trading fees for buying and selling stocks, exchange-traded funds, or other exchange-traded …

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