If you are one of those who’ve recently graduated, and are drowning in student debts, you’ve most likely heard of student loan forgiveness options. As you delve deeper into getting your student loan forgiven, keep in mind that not everything you read or hear is true. Here are some of the most common myths; experts have shared with us, about student loan forgiveness.… [Read more]
Here we present discussions of private or public funds, their management, and the financial system that serves them. And, as with mostother topics, we want to know the impact of politics across state and global markets.
Amid new fears that China’s financial problems will bring the global economy plummeting again, more and more companies are looking for ways to save money in order to protect their bottom line. From cutting back on energy to seeking cheaper materials, small businesses around the globe are trying to trim expenditures to the bare minimum. There are actually some ways your Human Resources (HR) department can help you cut back on payroll going forward.… [Read more]
Small business generates some of the world’s brightest and most talented minds. These entrepreneurs have proven they are people to watch, and have what it takes to create entire empires off their own sweat. These industry leaders continue to transform the business world of the future.
Michelle got her start as an online vlogger and taught viewers how to apply cosmetics and transform their looks from ordinary to glamorous.… [Read more]
Business taxes are an unfortunate part of doing business. They come under many names, such as corporation taxes, but the reality is this is the government attempting to claim their slice of your pie. Do everything you can to reduce your business taxes and you can save thousands every year.
Let’s take a look at this complex issue.… [Read more]
One out of four businesses that are hit with a natural disaster never opens again. Natural disasters are becoming more common. In 1975, approximately 100 natural disasters were reported, according to the International Disaster Database. By 2010, there were nearly 500 disasters reported. Simply put, if a company wants to stay in business after a disaster, it needs to have safeguards in place to mitigate the risk.… [Read more]
Given the lingering effects of the Great Recession, many people consider the benefits of a fall-back plan to safeguard their hard-earned money. One way to diversify is investing in real estate. If you’re a first-time landlord in the current housing market, it’s more important than ever to know the responsibilities and expectations you’ll face and take the proper measures to ensure your property is protected no matter what may occur.… [Read more]
Going paperless in a business can save on a variety of expenses. As humanity continues through the 21st century, there are many technologies that improve efficiency while reducing the operational costs of an organization. While some of the costs can be quite obvious, there are some that are not often considered.Paper and Ink
The most obvious savings to any business through a digital system is that of paper and ink.… [Read more]
Experts will tell you that medical malpractice occurs when medical personnel or health care providers do not follow the recognized professional standards of the practice in the delivery of their service. It is true that different situations arise in medical emergencies which are not covered by the accepted standards or regulations. However, negligence or malpractice is recorded when a medical practitioner does not follow the same or similar protocol in which a reasonable and prudent professional colleague would have followed being in the same or similar situation, according to the Frank Jenkins Law Office.… [Read more]
They are the words that no tax-paying American wants to hear: “You’re being audited.” Paying taxes and preparing your tax return every year can be frustrating enough. However, if the IRS chooses to audit you, it can be a dreadful experience.
Even if you feel confident that you covered every detail and all of your deductions are accurate and legitimate, it’s still very easy to second guess yourself and worry about what an audit might uncover.… [Read more]
American students have been found to be way too behind in the financial literacy arena. According to a recently conducted study, U.S. students’ financial literacy scores were below average. Although this study was for high school students, the findings among students beyond high school was the same. While students are pushed to towards higher education, in spite of them being unable to afford it, they make some very basic mistakes due to their lack of understanding regarding finances – and this ends up costing them even later on in life.… [Read more]
Since the Affordable Care Act took effect in 2010, the number of uninsured Americans has dropped from 18 percent to 13.4 percent at the end of the 2014 enrollment period, according to a Gallup poll. The law has had its ups-and-downs, but appears to be working the way Congress and President Barack Obama envisioned it.
Each year more provisions of the law go into effect.… [Read more]
Money is often said to be the root of all evil, and from cartoon villains, to real life businesses, scandals involving big bank accounts and lawsuit settlements with advances, can devastate the economy and many different businesses. There was no shortage of scandals involving large amounts of money in 2014. Let’s look at a few of the most outrageous.… [Read more]
Financial woes are burdening the majority of Americans, which is why it’s more important than ever for people to get their budgets on track.
If you’re a victim of today’s sluggish economy, then it’s time to turn things around by making your personal budget your top priority.
With money management in mind, here are just a few tips that will help you steady your budget and make your money last longer:
Personal Budgets and the Economy
If you’re still feeling the fallout from the financial crisis of late 2007 and 2008, you’re not alone.… [Read more]
This article looks at how Americans can get better returns on their banking investments. Are more people using credit unions? If your bank offers low interest returns on savings accounts etc. is it time to move to another one? Many banks collected an enormous amount of fees from customers yearly. How can consumers cut down on these?… [Read more]
Do you know what your credit score is? Do you at least have a ballpark figure? We all have far too many numbers to memorize in life to keep all of them around for instant recall, but your credit score is probably among the more important ones to know.
I’m not here to tell you how a credit score is calculated; frankly, there’s a lot that goes into it, and even financial experts are occasionally in disagreement about which factors actually influence your score.… [Read more]
Hearing the words “Obamacare” and “Affordable Care Act” strikes confusion into the minds of many Americans as the quest for the best health insurance plan continues for many.
People hear these terms and how health care and health insurance will be affected, but often times the outlook and options are misunderstood. The public wonders if health insurance will ever be perfect and what their coverage will look like in a few years.… [Read more]
Looking to buy a home? Believe it or not, it might be easier than it’s been during the last two decades to secure a mortgage from financial institutions.
According to a survey of senior loan officers commissioned by the Federal Reserve, at negative 18.3 percent, the net percentage for prime mortgages was the lowest it’s been since the central bank started tracking it in 2007.… [Read more]
A retirement crisis is looming, and it is making millions of baby boomers – as well as social and economic policymakers – pretty nervous. As boomers approach retirement age, many are worried about adequate income to fund their golden years. And retirement woes are not just a problem in the U.S.; they’re a global concern as well, according to a December 2013 Associated Press piece by David McHugh, Elaine Kurtenbach, and Paul Wiseman. … [Read more]
A leaky roof, a damaged septic system, a child getting ready to go to college—if you are facing any of these expensive propositions, you may be thinking about taking money out of your 401(k). Before you call your HR rep, check out the true cost of tapping your retirement account and these valuable alternatives.You’ll Pay Penalties
If you are under the age of 59.5, you can withdraw money from your 401(k) for hardship distributions.… [Read more]