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Financial News from US News & World Report

  • In our digital, tech-savvy times, it seems there are new apps being created and launched every hour. Combing through them all can be quite an undertaking, and if you have a few tried-and-true apps you have used for some time, you might be tempted to skip scouting out new ones. I did the research for you, and compiled a …

  • Taking risks

    Over the past five years, employers have reduced a variety of benefits, educational assistance and perks, according to a Society for Human Resource Management member survey of 510 human resources professionals. Less than a quarter (24 percent) of the employers SHRM surveyed continue to provide a traditional pension plan …

  • Remove the objective from your résumé . Yes, you may have learned years ago that every résumé should start with an objective, but that advice has long been outdated. Objectives now make your résumé look out-of-touch with modern conventions. What's more, objectives are about what you want, rather than about what the …

  • Creating a living environment in a dorm room that feels like home and reflects the personalities of the occupants takes smarts more than cash. Check out these tips to help you create the perfect dorm room on a dime. Discovering your student needs a bunch of things after move-in day is the quickest way to drain your bank …

  • Pinterest, like all social media platforms, can be a huge time sink. After all, it only takes a few failed Pinterest projects to funnel money into things you'll never use. But there is a flip side to Pinterest. Troll your favorite personal finance websites for ideas on saving money on groceries, buying a home or saving …

  • 12 habits of phenomenally frugal families US News - Fri, Jul 25, 2014 5:12 PM EDT
    Family

    Surviving the lean years.

  • It's become somewhat of a stereotype: Young adults are living in their parents' basements, unable to secure gainful employment and unwilling to grow up. "Twenty years ago, if an adult child was staying at home, people assumed something was terribly wrong," says Tina B. Tessina, a California psychotherapist and author of …

  • 6 Things Renters Should Do Before Signing a Lease US News - Fri, Jul 25, 2014 10:45 AM EDT

    Maggie Graham, a marketing manager for Promet Source, a Web application development company in Chicago, came to this conclusion after a lot of trial and error. Graham, who is just over 6 feet tall, realized too late: "I couldn't fit in the place."

  • 10 Questions to Ask Before Investing in a Sector US News - Fri, Jul 25, 2014 9:58 AM EDT

    Maybe you believe technology is a good bet, but don't want to invest in only one technology stock, such as Intel, Apple, Microsoft or Facebook.

  • How to Date Like an Entrepreneur US News - Fri, Jul 25, 2014 9:20 AM EDT

    As Neely Steinberg, a dating coach, started building up her dating business, The Love TREP, she quickly realized that many of the lessons she was learning as an entrepreneur could also help her clients find love. Having a vision, creating a board of advisors, embracing failure, tapping into networks and getting customer …

  • 6 Ways to Beat the Heat Without Making Your Wallet Sweat US News - Fri, Jul 25, 2014 8:52 AM EDT

    You might also consider making an investment and swap out your old hunk-of-junk thermostat for a new, smart one like the Nest Learning Thermostat. Excess humidity is more than uncomfortable -- it can also be expensive, since air conditioners use extra energy to process the moisture.

  • How to Save Time When You're Saving Money US News - Fri, Jul 25, 2014 8:43 AM EDT

    We've all heard the recognizable Geico slogan: "15 minutes can save you 15 percent or more on car insurance." It's one of the most recognizable slogans out there, along with "I'm loving it," and, "Just do it." By promising a significant discount in minimal time, Geico advertises the idea that savings are simple. All it …

  • How to Avoid Retirement Burnout US News - Fri, Jul 25, 2014 8:35 AM EDT

    Without a reasonable amount of variety, challenge and newness, retirement could turn out to be far less enjoyable than you hoped for. After working so hard to get there, it is important to stay active and engaged in retirement. Just because you may be less physically nimble does not mean you have to spend your retirement …

  • 5 obstacles to early retirement US News - Thu, Jul 24, 2014 11:15 AM EDT

    Early retirement is a dream for many employees toiling away at dissatisfactory jobs. The 2014 Retirement Confidence Survey by the Employee Benefit Research Institute found that half of all workers have less than $10,000 saved for retirement.

  • Is There Such a Thing as Too Much Indexing? US News - Thu, Jul 24, 2014 9:59 AM EDT

    Cheap, productive and a breeze to understand: It's easy to see why index funds are so popular. Financial advisors say index funds are like protein: They're the building blocks of your portfolio, but it's important to indulge your appetite for other flavors of investments, too. The most important thing to understand is …

  • 4 Reasons Why 'Smart Beta' is Dumb Active Management US News - Thu, Jul 24, 2014 9:39 AM EDT

    Passive investing has become wildly popular ever since Vanguard founder, John Bogle, launched the first index strategy in 1975. Today, low-cost indexing using exchange-traded funds is so mainstream that even Warren Buffett recommends the approach for individuals who don't have the time or discipline to pick individual …

  • Use Online Tools to Save Money on Groceries US News - Thu, Jul 24, 2014 9:26 AM EDT

    When you imagine saving money on groceries, do you automatically picture hours spent clipping coupons from the newspaper and painstakingly writing out your shopping list? If you're looking for an easier way to cut costs at the grocery store, there are many helpful new tools and online resources (for free or little cost) …

  • 6 Types of Interviews and How to Nail Them US News - Thu, Jul 24, 2014 9:16 AM EDT

    The interviewers may focus on one style or engage you in a combination of several interview types. The best thing you can do to prepare is to understand each kind and its intention from the interviewer's perspective. The interviewer may also ask you to tell him or her about yourself.

  • The Difference Between Hard and Soft Credit Inquiries US News - Thu, Jul 24, 2014 8:40 AM EDT

    Did you know there could be errors on your credit report that are damaging your score? Lenders may also use soft inquiries to preapprove you for a credit card or loan.

  • Why a Movie About Money Stress Went Viral US News - Wed, Jul 23, 2014 12:25 PM EDT

    Melissa and Alex Kimmell, parents with two boys, turn to a payday loan when Alex's health forces him to stop working. Those stories and others are what drew over 9 million viewers (and counting) to watch the 40-minute film for free on YouTube since it was released by American Express in June. Yes, that's right -- it was …

  • 4 Ways to Better Organize Your Bills US News - Wed, Jul 23, 2014 11:28 AM EDT

    You may also find that a few of your regular expenses can't be paid with credit cards, such as babysitting or your child's piano lessons. If you drop to a dangerously low bank balance or a bill is coming due, it'll let you know.

  • How Giving Up Cable TV Could Save Your Retirement US News - Wed, Jul 23, 2014 11:23 AM EDT

    An inflated lifestyle also requires a bigger retirement stash if you want to continue to fund those higher expenses in retirement. Those who cut the cord won't need to save nearly as much for retirement to live comfortably.

  • Avoid Turning Into a Scary Student Loan Stat US News - Wed, Jul 23, 2014 9:30 AM EDT

    The numbers look downright frightening when it comes to student loan debt. Here are five student loan statistics that may scare you into making the right decisions about paying for school. American borrowers have racked up about $1.2 trillion in outstanding federal student debt, according to the Consumer Financial Protection …

  • How to Coupon in Just One Hour a Week US News - Wed, Jul 23, 2014 9:12 AM EDT

    At least that's what couponing is like for Cindy Livesey, website owner at LivingRichWithCoupons.com. Livesey started couponing back in 2009, when she was forced to cut back as a result of unemployment. It was a difficult time but couponing saved her and her family $11,000 the very first year and enabled her family to …

  • 11 Ways to Save Money at the Bar US News - Wed, Jul 23, 2014 8:52 AM EDT

    Go to happy hour -- even if it's late. Most of us know going to a bar during happy hour -- when drinks are discounted -- can save money.

  • 5 Things to Look for in a Studio Apartment US News - Wed, Jul 23, 2014 8:35 AM EDT

    Moving into a studio apartment can be a great way to save money on rent without getting a roommate or settling for a less-than-desirable neighborhood. While saving money on rent is appealing to almost any renter, living in a studio apartment can be an adjustment for anyone who hasn't done it before -- but it's possible …

  • 12 Baby Boomer Retirement Trends US News - Tue, Jul 22, 2014 11:05 AM EDT

    It is not news that baby boomers, people born between 1946 and 1964, are starting to turn 65 and beginning to retire in droves. A new Census Bureau report details how quickly the baby boomers are retiring and how they are supporting themselves in retirement. There are just over 40 million Americans age 65 and older, and …

  • 7 Costly Car Rental Mistakes to Avoid US News - Tue, Jul 22, 2014 10:52 AM EDT
    How to save on car rentals

    As Americans hit the road this summer, many will drive rental cars in other parts of the country or the world. While rental cars can be convenient, the associated costs are often confusing. Here's a look at car rental mistakes that could cost you money -- and how to avoid them. If you have your own auto insurance policy, …

  • How to Prepare Financially for Summer Power Outages US News - Tue, Jul 22, 2014 10:18 AM EDT

    With summer storms already causing thousands of power outages across the country from Texas to Philadelphia, now is a good time to review your plans in case the power goes out in your neighborhood. According to the U.S. Health and Human Services Department, any type of thawing meat, poultry or fish should be discarded, …

  • The Best Time to Ace Work-Life Balance? On Vacation US News - Tue, Jul 22, 2014 9:37 AM EDT

    In 2013, the American Psychological Association reported that close to half of American workers check work messages at least once a day while on vacation, when they are supposedly off the grid.

  • My latest portfolio report card is for Mary in Santee, California. She self-manages a 401(k) retirement plan with $353,000 scattered across seven mutual funds and company stock. Before I assign her investment portfolio a final grade, let's examine Mary's portfolio. Still, her retirement plan misses exposure to other …

  • The 5 Things You Must Know About Yourself as an Employee US News - Tue, Jul 22, 2014 9:21 AM EDT

    You might be inclined to relate Gertrude Stein's famous quote, "A rose is a rose is a rose" to the world of employment: A company is a company is a company ... and a job is a job is a job. Companies come in many different flavors, and have widely different employment practices. Beyond the obvious -- big versus small, …

  • Where to Buy Affordable Plus-Size Clothing US News - Tue, Jul 22, 2014 9:17 AM EDT

    Earlier this year, however, Eloquii re-opened its doors (and severed its ties with The Limited), and it is again one of the best places to find stylish plus-size clothing that won't break the bank. Some Sears stores also have Lands' End collections available inside the stores, and I have found that those Lands' End collections …

  • How to Save Money with Price Comparison Tools US News - Tue, Jul 22, 2014 9:16 AM EDT

    In order to save time and ultimately money, I've relied on price comparison search tools to help me get what I want for the lowest price. It's seems that consumers these days want to be able to log onto one trusted search tool, type in what they want and within seconds find what they're looking for and make the purchase. …

  • A Disturbing Look at the New Retirement US News - Tue, Jul 22, 2014 9:04 AM EDT

    For an increasing number of American workers, traditional retirement no longer exists. In the August issue of Harper's magazine, journalist Jessica Bruder delves into the hidden world of these older, struggling American workers, many of whom live in RVs, frequently moving to the location of their next job opportunity. …

  • 8 Resources for Finding Free Things to Do in Your Area US News - Tue, Jul 22, 2014 9:00 AM EDT

    You just have to put in a bit of legwork to find them because those free activities generally don't have a budget for marketing themselves to you. If you scour all of these places, you'll likely find far more free activities and free places to visit than your free time will allow. Your city's parks and recreation department …

  • 3 Ways Consumers Fall Victim to Identity Theft US News - Mon, Jul 21, 2014 11:30 AM EDT

    Of course you don't want to leave credit card statements lying around in public places, and when you discard your financial paperwork, it's smart to run it through a shredder. You hand your credit card to a waiter, who disappears for a while with it. Sarah Dugo, co-founder of College Savings Dolls, a Schaumburg, Illinois-based …

  • Investors who take early withdrawals also miss out on the tax-deferred growth their savings would have accumulated if they had left the money in the 401(k) plan or rolled it over to an individual retirement account. Regular income tax is due on each withdrawal from your traditional 401(k) plan. A worker in the 25 percent …

  • The Powerful Psychology Undermining Your Returns US News - Mon, Jul 21, 2014 10:17 AM EDT
    A woman scratching her head looks at an electronic board showing the graph of the recent fluctuations of Japan's Nikkei average outside a brokerage in Tokyo

    My colleague at the BAM Alliance, Carl Richards, used Morningstar data to note this disturbing fact: The average U.S. stock mutual fund had a 10-year average return of 8.18 percent at the end of 2013. Although it's sad the average investor can't achieve returns equal to the returns of the average mutual fund, the reality …

  • Date Night Ideas That Don't Break the Bank US News - Mon, Jul 21, 2014 9:00 AM EDT

    Check out the loyalty programs at all your favorite spots. If you decide to have a date during the week, happy hours can cut your bill in half. Happy hours can include discounted drinks, appetizers and even meals. Reverse happy hours are becoming more and more popular.

  • 5 Lesser-Known Email Etiquette Rules You Might Be Breaking US News - Mon, Jul 21, 2014 8:37 AM EDT
    Good Business Email Etiquette

    But there are finer points of email etiquette that aren't as universally acknowledged but can make you a far more effective emailer. Here are five lesser-known email etiquette breaches that you might still make.

  • Will Debit Card Rewards Become a Perk of the Past? US News - Mon, Jul 21, 2014 8:33 AM EDT

    The Durbin amendment, passed with the Dodd-Frank Act, that took effect in 2011 has drastically lowered "swipe fees" -- the revenue banks collect on purchases made with plastic. Consumers are paying more for banking and seeing the elimination of free checking accounts and debit card rewards programs, says Sam Fabens, spokesman …

  • 3 Financial Aid Questions to Ask Before Applying to College US News - Mon, Jul 21, 2014 8:30 AM EDT

    Student loan debt is a top concern for parents of aspiring college students. But that concern often doesn't translate into planning, a recent survey finds. In fact, while 85 percent of parents are worried ...

  • 5 Ways to Save on Meal Delivery Services US News - Sun, Jul 20, 2014 9:20 AM EDT

    In recent years, however, a slew of meal delivery services have cropped up nationwide to fill this very niche. With names like Munchery, Blue Apron, Plated, HelloFresh and Home Chef and taglines like "Reinventing Weeknight Dinners," the relatively new food delivery services specialize in delivering healthy, well-balanced …

  • Air conditioning units of the hotel that Reuters photographers are staying in are pictured in Salvador

    Install a programmable thermostat. The warmer you let your home get, the less work your air conditioner needs to put in. Instead, install a programmable thermostat. Only use ceiling fans when you're under them.

  • 7 habits of highly successful retirement savers US News - Fri, Jul 18, 2014 3:44 PM EDT
    saving

    Some people seem to manage their finances with ease and build up a sizeable nest egg for retirement.

  • Top 7 retirement milestones you need to know US News - Fri, Jul 18, 2014 3:16 PM EDT
    Retirement

    Retirement planning is a process that actually continues throughout your retirement years, with tweaks and changes to ensure that you stay on track. In order to help illustrate these points, we'll use the example a fictional 49 year old named Claire, who was born in 1965. Claire is still putting in hours at the office, …

  • Sizing Up Your 401(k) Match US News - Fri, Jul 18, 2014 2:02 PM EDT

    It's obviously best for employees to get company contributions as soon as possible so that the money can start accumulating in their account.

  • 5 Ways to Stay Active as You Age US News - Fri, Jul 18, 2014 12:54 PM EDT

    While earlier generations may have dragged themselves across the finish line into retirement, burnt out and tired after years of strenuous activity, the baby boomer generation is different. Since we were forced to get up earlier than we wanted to commence our work day, it is natural to want to spend some additional time …

  • 13 Ways to Save on Your Bathroom Renovation US News - Fri, Jul 18, 2014 11:03 AM EDT
    The 15 Point Checklist Before Starting a Bathroom Renovation remodeling

    "One little thing creates that luxury instead of worrying about everything else," says Laura Redd, an interior designer in Greensboro, North Carolina. The easiest way to cut costs on a bathroom renovation is to keep the old bathroom footprint. You should also avoid adding a $100,000 bathroom to a $200,000 house, Redd …

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