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The Right Brand Loyalty Programs Can Save You Money

(StatePoint) Loyalty programs can help consumers save money, cash in on rewards and feel like a VIP -- so it’s no wonder that the average consumer is currently enrolled in more than 10 loyalty programs.

  • icon Updated: May 01

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Thursday 04/23/2015
Are you overpaying to be underinsured?
Updated: April 30, 2015 - 4:33 am

(BPT) - If you own a home, vacation property, boat, art or other valuables, you likely understand the importance of insurance. What you might not know is there’s a good chance you’re overpaying for that insurance, and furthermore, it’s likely not providing the coverage you really need.

Monday 04/20/2015
Americans Should Boost Financial Literacy, Say Experts
Updated: April 20, 2015 - 4:34 am

(StatePoint) Americans are confident when it comes to their finances, yet unprepared for the future, according to the 2015 Financial Literacy Survey.

Thursday 04/16/2015
Three Steps to Improve Your Credit
Updated: April 16, 2015 - 4:33 am

(StatePoint) Good credit is a key ingredient in succeeding financially; yet building a strong foundation takes time. If you are new to credit or are working to improve it, there are many steps you can take to put you on a path to stronger credit.

Use less water, save more money by focusing on 3 areas of your home
Updated: April 23, 2015 - 4:33 am

(BPT) - Severe drought and water restrictions in California may be making headlines and history, but the Golden State is far from the only region in the U.S. facing a drier summer. With the Environmental Protection Agency reporting that 40 out of 50 state water managers predict shortages in their states within the next 10 years, conserving water is no longer just the fashionable thing for homeowners to do – it’s essential.

Tuesday 04/14/2015
3 Steps to Build a Better Nest Egg
Updated: April 15, 2015 - 4:33 am

(NewsUSA) - (NewsUSA) - It's one of the biggest challenges facing today's workforce -- can I save for retirement? It is made even more difficult with an unpredictable economy and low levels of trust in financial institutions.

Monday 04/13/2015
An Essential Step For College Loans And Grants
Updated: April 14, 2015 - 4:33 am

(NAPSI)—Young men seeking funds for college may be surprised to learn that in addition to loan and grant applications there is another form they must complete—their Selective Service registration.

5 critical questions small-business owners must ask before retirement
Updated: April 20, 2015 - 4:34 am

(BPT) - Small businesses are the backbone of the American economy. In fact, the number of small businesses in the United States has increased 49 percent since 1982, according to the U.S. Small Business Administration, and the 23 million small businesses in America today account for 54 percent of all U.S. sales.

Wednesday 04/08/2015
Financial management tips for adult learners going back to college
Updated: April 15, 2015 - 4:33 am

(BPT) - The ever-rising price tag of college education has been in the news for years, with the average cost hovering just less than $20,000 a year, according to the National Center for Education Statistics. That number, however, speaks to first-timers enrolled full-time in a four-year or two-year college. What about adult learners - professionals either looking to continue their education and earn another degree, or those who are returning to school to finish an incomplete degree?

Tuesday 04/07/2015
Eight Mistakes To Avoid On Your Tax Return
Updated: April 08, 2015 - 4:34 am

(NAPSI)—Making mistakes on your taxes can cost you both money and time but, fortunately, many of the most common errors can be easily avoided. These eight tips can help:

How Hispanics are preparing for a bright financial future
Updated: April 08, 2015 - 4:34 am

(BPT) - Anticipating the future can be difficult, particularly when it comes to your finances. But with the improving economy, more people are taking a proactive approach to planning for tomorrow and beyond. This is particularly true of Hispanics, who overall are feeling more positive about their financial situation than in the past.

Monday 04/06/2015
The Ever More Popular Pastime Of Vaping
Updated: April 07, 2015 - 4:34 am

(NAPSI)—More than 4 million Americans these days add more flavor and fun to their lives by lighting up electronic cigarettes.

Tuesday 03/31/2015
Tips On Selecting A Retirement Community
Updated: April 01, 2015 - 4:33 am

(NAPSI)—Today’s boomers are retiring in record numbers and many are challenging a number of popular stereotypes about retirement and aging.

Friday 03/27/2015
How Smart Couples Can Finish Rich
Updated: March 28, 2015 - 4:33 am

(NAPSI)—Every day, some 10,000 Americans retire. If you hope to be among them someday, a few suggestions could help you see more gold in your golden years.

Optimize your home's performance this spring
Updated: April 03, 2015 - 4:34 am

(BPT) - Did you know building experts suggest that spring is the ideal time to prioritize home improvements that add value and comfort? Most homeowners fail to notice the red flags indicating their home is not performing optimally. The inability to efficiently and effectively heat and cool your home and create a positive living space can have a negative impact on your well-being and your wallet.

Thursday 03/26/2015
Avoid Car-Selling Scams
Updated: March 27, 2015 - 4:33 am

(NAPSI)—The Internet makes it easy to shop for the best bargain on a used car—just remember, an offer that seems "too good to be true" probably is.

Wednesday 03/25/2015
7 common tax return blunders to avoid
Updated: April 01, 2015 - 4:33 am

(BPT) - Although tax laws change every year, you can count on certain things to be timeless. That includes the same common mistakes taxpayers with simple and complex returns make every year. Knowing what those common errors are will help keep you in the clear.

Tuesday 03/24/2015
Retirement Security In Five Strategic Steps
Updated: March 25, 2015 - 4:33 am

(NAPSI)—While the process of planning for your retirement may seem daunting, National Retirement Planning Week® 2015—taking place from April 13–17—may be the opportunity you need to get back on track. Experts from the National Retirement Planning Coalition, which organizes the week, are urging Americans to use this time to develop, review and/or revise their retirement plans. By doing so, they say that Americans can still achieve their retirement goals. If you are not sure where to get started, below are five steps you can take to help you on your path toward a financially secure retirement.

Be Careful Whom You Trust With Your Money
Updated: March 25, 2015 - 4:33 am

(NAPSI)—Your money may be more secure if you learn from one woman’s experience.

10 tips to safely sell a car online
Updated: March 31, 2015 - 4:33 am

(BPT) - Looking for a new set of wheels? Need to raise some cash for a home improvement project? Heading back to college?

Monday 03/23/2015
Hoping to retire in 10, 20 or 40 years? Here's what you need to know now
Updated: March 30, 2015 - 4:34 am

(BPT) - American workers, ages 32 to 64, are $6.6 trillion short of the amount they need in order to retire comfortably, according to Retirement USA. When it comes to planning ahead and saving money early, time is of the essence. However, 63 percent of American workers have less than $1,000 saved for retirement, and only 44 percent of workers have even tried to calculate a retirement plan, according to the Employee Benefit Research Institute. This means that fewer than half of working Americans have a set plan for how they’ll get by financially after leaving the workplace.

Tuesday 03/17/2015
What Does It Mean to File a Tax Extension?
Updated: March 18, 2015 - 4:34 am

(NewsUSA) - Can't file your tax return by the April 15 deadline? Taxpayers can request an automatic six-month extension of time to file the tax return. But, taxpayers beware, there is a catch. An extension is just an extension on the time to file the return -- it is not an extension on the time to pay.

Monday 03/16/2015
Tax time tips: How to combat tax identity theft fraud
Updated: March 23, 2015 - 4:34 am

(BPT) - April 15 is quickly approaching, and while receiving a tax refund may be the first thing on your mind, there’s one important issue to think about: tax fraud. Tax-related identity theft occurs when your personal information is stolen and used to file a tax return claiming a fraudulent refund. In 2013, more than $5 billion in tax refunds was sent to fraudsters, affecting more than 1.6 million tax filers, according to the Internal Revenue Service.

5 money traps to avoid each month
Updated: March 23, 2015 - 4:34 am

(BPT) - Are you always on the prowl for a better deal? Looking for ways to save money – but without having to cut back on quality?

Friday 03/13/2015
Four Tax Filing Tips For Investors
Updated: March 14, 2015 - 4:33 am

(NAPSI)—Having investments means reporting some additional information on your tax return, but it doesn’t mean you need a CPA. The step-by-step, easy guidance in digital tax filing solutions makes it easy for investors to prepare and file their own taxes with confidence.

Tuesday 03/10/2015
Using Tax-Deferred Investments to Promote Long-Term Wealth Building
Updated: March 11, 2015 - 4:39 am

(NewsUSA) - Tax season is in full swing, and many people are being reminded of the tax burden their investment returns carry.

Monday 03/09/2015
Car buying and selling simplified: Insider secrets to avoiding hassles and saving money
Updated: March 16, 2015 - 4:34 am

(BPT) - Having a car is a necessity for most people, but buying and selling one shouldn’t cause headaches and waste time. Industry insiders know there are steps that can help both buyers and sellers maximize their investment while minimizing stress.

Thursday 03/05/2015
Tax hints every investor should know
Updated: March 12, 2015 - 4:40 am

(BPT) - Contrary to popular belief, having investments doesn’t mean only an accounting genius can prepare your tax return. Investors can easily do their own taxes while maximizing tax savings by following a few simple tips.

Wednesday 03/04/2015
Is a line of credit right for your business?
Updated: March 11, 2015 - 4:39 am

(BPT) - From time to time, your small business may face revenue swings, prompting you to borrow money to meet your short-term cash and working capital needs. One option is to secure a business line of credit.

Monday 03/02/2015
This Year, Make a Goal to Contribute More to Your 401(k)
Updated: March 03, 2015 - 4:39 am

(NewsUSA) - Are you participating in an employer-sponsored retirement plan? If your company has one, consider yourself fortunate. But if you've been ignoring whatever your company is offering, it's time to get the facts.

Friday 02/27/2015
Don't Miss These Government Deadlines
Updated: February 28, 2015 - 4:39 am

(NAPSI)—When it comes to the federal government, getting what you need and meeting your obligations, some dates and times can be particularly important. Here’s a look at a few you should know.

Thursday 02/26/2015
Creative college savings: Unique scholarships to help offset rising costs
Updated: March 05, 2015 - 4:40 am

(BPT) - Does the cost of higher education scare you? If so, you’re not alone. College tuition prices have skyrocketed. Over the past 30 years average tuition and fees at public four-year institutions rose by 225 percent, according to The College Board. Factor in room and board, books and living expenses, and it’s becoming increasingly difficult to afford the hefty price tag of higher education.

Wednesday 02/25/2015
Stretched State Budgets Require More School Choice
Updated: February 26, 2015 - 4:31 am

(NAPSI)—The population of the U.S. is aging in a way that may present some challenges for public education in the near future.

Friday 02/20/2015
How to maximize your tax refund and cut monthly expenses
Updated: February 27, 2015 - 4:39 am

(BPT) - Tax season is in full swing and everyone is hoping for a refund from Uncle Sam. What will you do with yours? Whether it’s several hundred or several thousand, if you use your refund smartly, it can provide the jumpstart to boosting your budget and living financially well this year and beyond.

Thursday 02/12/2015
Virtually Everywhere -- Your Cash May Be a Thing of the Past
Updated: February 13, 2015 - 4:31 am

(NewsUSA) - Coins jangling in a pocket is likely to be a thing of the past if companies that promote virtual currency (VC) have anything to say about it. The attraction of using VC stems from massive credit card hacks to retailers, such as Home Depot and Target -- all of which have raised questions among consumers about how safe their personal information is.

How Will Individual Shared Responsibility Affect Your Tax Return?
Updated: February 13, 2015 - 4:31 am

(NewsUSA) - Unless you've been way out of touch, you probably know that a key part of the Affordable Care Act (ACA) requires that taxpayers have qualifying health care coverage. Those without will need to qualify for an exemption, or pay a penalty. This "Individual Shared Responsibility" provision applies to both individuals and families. So, while preparing your tax return this year, here are some things you ought to know.

Nourishing The World
Updated: February 13, 2015 - 4:31 am

(NAPSI)—The next time you enjoy a nutritious snack, turn on the lights or see a farmer feed his or her animals, you’ll be enjoying the fruits of one family’s 150-year-old company and its efforts to provide food, agricultural, financial and industrial products and services to the world.

Tuesday 02/10/2015
The Federal Agency That Keeps America Informed Has A New Name
Updated: February 11, 2015 - 4:31 am

(NAPSI)—An agency whose mission has been producing, publishing and recording our nation’s history has made some history of its own. The bill H.R. 83, signed into law by President Barack Obama, changes the name of the Government Printing Office to the Government Publishing Office (GPO). Publishing reflects the increasingly prominent role that GPO plays in providing free public access to government information in digital formats through the agency’s Federal Digital System (FDsys), Catalog of U.S. Government Publications (CGP), apps, e-books and related technologies. The information needs of Congress, federal agencies and the public have evolved beyond print alone, and GPO has transformed itself to meet its customers’ needs.

Contest Winners Learn How To Save Lives Going Against The Grain
Updated: February 11, 2015 - 4:31 am

(NAPSI)—High crop yields, low temperatures and wet weather can mean farmers, grain elevator operators and other grain handlers dealing with high-moisture corn and beans are at risk for dangerous, even deadly, grain engulfment—but there are ways to save them and you can help.

Uncle Sam Wants You To Save For Retirement
Updated: February 11, 2015 - 4:31 am

(NAPSI)—If you ever feel your finances are too stretched to save for retirement, you’re not alone-and there could be good news for you. The Saver’s Credit-a little-known tax credit made available by the IRS to low- to moderate-income workers-could make saving for retirement more affordable than you think. It may reduce your federal income taxes when you save for retirement through a qualified retirement plan or an Individual Retirement Account (IRA).

Five Tips For A Great Financial Year
Updated: February 11, 2015 - 4:31 am

(NAPSI)—Any time of year can be the right time to resolve to get your finances in order.

Time-saving hacks impatient people use to maximize every minute
Updated: February 17, 2015 - 4:31 am

(BPT) - Do you routinely honk at the car in front of you, pass slow walkers on a sidewalk or press an already illuminated elevator button in hopes of getting to your destination sooner? If so, you’re not alone. The hectic nature of modern life means more people are impatient to squeeze the most out of every minute.

Monday 02/09/2015
6 model behaviors for tax planning season
Updated: February 16, 2015 - 4:32 am

(BPT) - Each tax season, much is written about strategies to minimize the amount you pay to Uncle Sam. Less focus is usually given to behaviors or practices that better position you to navigate tax season.

Friday 02/06/2015
Crime-fighting accountants? New specializations are changing long-held industry perceptions
Updated: February 13, 2015 - 4:31 am

(BPT) - Optimistic job forecasts for trending specializations in accounting are making the field more appealing than ever for recent graduates. Accounting jobs are projected to grow 13 percent between 2012 and 2022, according to the Bureau of Labor Statistics, with select specializations projected to grow even faster.

Tuesday 02/03/2015
Getting The Income Tax Credit You've Earned
Updated: February 04, 2015 - 4:32 am

(NAPSI)—No one likes to miss out on a chance to collect money he or she has earned. However, many people who qualified for the Earned Income Tax Credit (EITC) in 2014 did just that.

Monday 02/02/2015
Warning Signs Your Homeowners Insurance Premium Is About to Increase
Updated: February 03, 2015 - 4:32 am

(NewsUSA) - Worried that you'll soon be paying more for your homeowners insurance? That's a lot more reasonable a concern than, say, Gwyneth Paltrow fretting about the burdens of being famous.

Friday 01/30/2015
What Does $350 Million in IRS Budget Cuts Mean for Taxpayers?
Updated: January 31, 2015 - 4:31 am

(NewsUSA) - Back in December of 2014, Congress passed a spending bill that will fund the government through September of 2015. That's good, right? No government shut-down. However, this spending bill includes yet another funding haircut for the IRS, which is probably going to make your life a little worse this tax season. This "haircut" means roughly $350 million in spending cuts.

Program Provides Free Access To Tax Prep Software
Updated: February 03, 2015 - 4:32 am

(NAPSI)—There’s good news for taxpayers looking for a safe way to save money at tax time.

Wednesday 01/28/2015
Even With A Late Start, There Are Ways To Invest For Retirement
Updated: January 29, 2015 - 4:32 am

(NAPSI)—If you’re worried that you haven’t saved enough for retirement, you are not alone.

When It Comes To Saving And Investing, Make Time Your Friend
Updated: January 29, 2015 - 4:32 am

(NAPSI)—While many find it’s easier to make excuses than to make a commitment to save, it doesn’t have to be that way. The key is to have a plan you can follow and stick with it. To help you get started, here are some tips.

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