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11 Sources of Funding Your Small Business

When you’ve got a big new idea that you want to get off the ground or an existing operation that requires an influx of capital to keep charging ahead, you want money fast.And that puts you at risk of paying unnecessarily high interest rates for the first lending option you encounter or wasting time with unnecessarily slow approval processes that may even end in…

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Should You Use Retirement Savings to Fund Your Child's College Education?

Should You Use Retirement Savings to Fund Your Child’s College Education?

Here’s a look at the high costs of using a retirement account to pay for college.

Raiding a retirement account for college costs could result in taxes, penalties and less financial aid.

When faced with looming college expenses, many parents quickly find out that they haven’t saved adequately. If you’re in this situation, it may be tempting to tap into your retirement…

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6 Things That Cost Women More

The gender pay gap often takes the spotlight when it comes to women’s financial issues. But on the spending side of the equation is an equally worrisome problem: Women must pay more for many things, including some big-budget items, throughout their lives. In fact, a recent study by the New York City Department of Consumer Affairscompared the city’s local prices on nearly 800 products from…

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A Hail Mary Retirement Plan for Those With Nothing Saved

You’re rounding the corner toward retirement age with not nearly enough set aside.

We tell young people to start saving for retirement from their first job and not to quit, because even small sums can grow staggeringly large with enough decades of compound returns. But maybe you bumped along from paycheck to paycheck, never saving much. Or maybe you tried to save but got slammed with…

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38 Smart Financial Moves You Can Make in 30 Minutes or Less

Hey, can you spare a few minutes? We know you’re busy, but chances are you can set aside 30 minutes to tackle some of these quickie tasks. Our collection of financial fixes—designed to save you money, get you on track to reach a goal or simplify your life—run the gamut from trimming your cable or phone bill (15 minutes or less) to applying for a more rewarding rewards card (30 minutes).

Make…

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Check Rental Car Coverage Before the Hard Sell

Before visiting a rental car counter this summer, it’s wise to make two telephone calls: one to the insurer that covers your personal car and one to your credit card company.

Many people feel pressured to buy the rental company’s insurancecoverage on the rationale of better safe than sorry, even though it can cost up to $30 a day, said Norma Garcia, a lawyer with…

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11 Ways to Cut the Cost of College Tuition

Here’s some interesting thoughts on ways to cut the cost of college tuition –

There are lots of smart ways to save for college — including tax-advantaged 529 plans and Coverdell accounts. But the best way to pay less for college is also the most obvious solution: Find ways to cut your tuition bills.

Depending on where you’re willing to take classes and how hard you’re willing to work to earn…

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How to Make Your Car Run for 200,000 Miles or More

The average age of cars on the road today is higher than ever — over 11 years old, according to IHS Automotive. And with the average car adding more than 10,000 miles to the odometer each year, it’s practically a given that you’ll hit the once-notable milestone of 100,000 miles. With care (and some luck) you might even triple that without needing a big-dollar repair, such as a new engine or…

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The Two Biases That Keep People From Saving Money

An interesting article about why people have a hard time saving money – hope you find it interesting –

Thinking about the future is hard.

That Americans don’t save enough money is a truism. But why don’t they? The answer is a complex mix of macroeconomics (incomes have stagnated for many workers over the last few decades), culture (Americans are notoriously conspicuous spenders), and…

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Don't Let Election Drama Sway Your Investment Decisions

Don’t Let Election Drama Sway Your Investment Decisions

Make a plan to protect yourself mentally and financially, regardless of who becomes our next president.

Think back to four years ago, when media outlets and economic pundits were doing their best Henny Penny impersonations.

The economic sky was falling. Whether Barack Obama or Mitt Romney was to be elected president, the United States would be unable to pay its bills. The stock market would…

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A Way Out of Payday Loan Debt Traps

The Consumer Financial Protection Bureau proposed long-awaited rulemaking recently to protect consumers from falling into the trap of ever-spiraling debt for taking out a short-term “payday loan.”

The proposed rule generally would cover loans with a term of 45 days or less, but it also would cover loans with a term greater than 45 days, provided they (1) have an all-in annual…

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11 Best Used Cars for the Money

If you’re in the market for a used car, 2016 is shaping up to be a good year to buy. With lots of vehicles coming off lease, prices have been falling and are expected to continue to drop, according to Kelley Blue Book. That price trend forecast is based on an average of all used vehicles, of course: Demand for SUVs both large and small is expected to stay high, and it will be harder to cut a…

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Health Insurance and Divorce

Going through a divorce can be a stressful experience, and some items may be overlooked. Nevertheless, if you are in this situation, you should be sure to pay some attention to future health insurance. Medical bills and health insurance premiums can be extremely expensive; any lapse in coverage might lead to a financial crisis.

The fine points of paying for health insurance after a divorce…

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Help Wanted in America: Skilled Workers

In an ever-more-competitive job market, technology increases the need for skilled workers.

There is a lot of worrying about jobs these days, especially given the slowing trend in hiring since February as amplified by the paltry 38,000 jobs added in May, and the many people who’ve given up looking for work.

Adding to the concerns and overall angst: The relentless march of automation, robots

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IRS to Change How It Reviews Amended Tax Returns and Refund Claims

The Internal Revenue Service plans to change some of its procedures for reviewing amended tax returns after a government report estimated it may have inappropriately allowed approximately $34.4 million in tax refunds and abatements.

The report, from the Treasury Inspector General for Tax Administration, examined whether the IRS’s controls over auditing amended individual tax returns…

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30 Ways to Earn Extra Cash

Coming up with extra cash to pay the bills, cover unexpected expenses, boost savings or perhaps even finance a vacation isn’t as hard as it seems. Plenty of legitimate moneymaking opportunities are out there for you to capitalize on at your convenience, with no long-term commitment.

Updated for 2016, our diverse list is packed with more tactics to earn extra cash than ever — 30 ideas for you to…

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10 States With the Hottest Job Markets

Looking for a job? A vibrant economy in which to launch your new business? A new market for your firm’s next expansion? The Kiplinger Letter’s annual state economic outlooks help job-seekers, entrepreneurs and business executives get ahead of shifts in job creation and GDP in different markets around the country.

The following 10 states are likely to see the fastest employment gains this year,…

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