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How to cut home heating costs this winter |
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Some savvy homeowners are having their cake and eating it too when it comes to energy-efficient home heating. Imagine cutting your heating bills, while boosting your home's comfort. Sound too good to be true? Not for the thousands of homeowners who are using radiant floor heating, one of the oldest and most efficient means of heating a home. |
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Back to school means insurance-review homework for parents |
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The ring of the school bell signals a lot of things for your children, but it should also be a good reminder to you that you may need to review your insurance policies. One reason is that your family dynamics probably change during the school year - older children leaving the house for college, younger children starting school or your teenager getting her driver's license, for instance. |
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Simple fixes that will make your kitchen feel brand new |
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When it comes to your kitchen, details make all the difference. It's often the most used and best-loved room in the house, so having a room that meets your needs and expresses your personality is key. If your kitchen's design has been frustrating you by creating clutter and giving your home an out-of-date feel, it's time to make some changes. |
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Easy ways to find more time in a day |
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You love your free moments, and having more of them in a day is vital to enjoying life. So here are a couple of time-saving tips you can adopt to give you a bit more of that precious free time. |
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Four smart home and auto insurance tips for seniors |
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Saving money is important, especial for senior citizens. And seniors may be going through some life changes. There are four simple insurance tips that can help ensure you're adequately covered and getting all eligible discounts. |
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Parents seek ways to protect their investment in a college education |
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Soon, millions of parents will send their children off to college for the first time. As the car pulls out of the driveway, they will reflect with nostalgia as their children embark on the next adventure in their lives - while they are acutely aware of how much of an investment they are making in their education. But what if, mid-semester, your son or daughter becomes ill and has to leave school? |
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Helping Asian Americans reach their retirement goals |
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The financial downturn has affected most Americans in some way, and Asian Americans are no exception, a new survey reveals. In fact, eight out of 10 Asian Americans polled by Prudential Financial, say their savings and investments have been negatively impacted in recent years. |
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Low water flow leads to high satisfaction and savings |
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In the United States, Americans consume 3.7 billion gallons of water every year that are not replaced, leaving a huge water deficit - a result of growing demand on finite water supplies. In fact, at least 36 states are anticipating local, regional or statewide water shortages within the next five years. Everyone has the power to change the water equation in the United States and put more money in their own pockets, while helping hydrate the planet. |
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A few things that may make your auto premiums go up |
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The next time you get an auto insurance (http://www.allstate.com/auto-insurance.aspx) bill in the mail, pay close attention to the premium you are charged. Has it gone up significantly since the last time you received a bill? If so, you may be able to do something about it. |
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Tips to help you become a savvy health care shopper |
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The weather has warmed up. The flowers are blooming. The vacation plans are made. Summer is here. And even though it is almost time for you to choose health benefits for the coming year, there is still plenty of time to make the most of the plan you have now and maximize its value to you and your family. |
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Savvy investors lead 21st century gold rush |
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The term "don't put your eggs all in one basket" makes perfect sense when talking about financial investments, and after the recent stock market plummet, many families are realizing why they need financial portfolio diversification. |
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Smart and convenient solutions for busy consumers |
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Today's shoppers are more active than ever, and when you're on the go, you probably attempt to keep your schedule as simple and concise as possible. Because time is invaluable these days, keeping errand-running narrowed down to the minimal amount of time and energy needed allows for more time on your business, with your family or enjoying a bit of "me-time." |
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Women's finances: Embrace the power of the purse |
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Every woman should have a healthy relationship with money, but the reality is that many women still heavily rely on men to handle their finances. Now is the time for women to break out of the traditional role and take action to gain financial independence. |
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Back-to-school shopping: Save money, earn rewards and go a little 'green' |
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This back-to-school season promises to be costlier than ever for many American families. Not only will they spend more for personal supplies for their children, families are also being asked to help school districts battle budget shortfalls by supplying basics like toilet paper and trash bags. |
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Overdraft fee changes are on the way |
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There are new regulations going into effect this summer that could change the way your bank charges overdraft fees for debit card purchases. Are you ready? Officials hope the changes will help consumers avoid unexpected fees, but even after the new government rules go into effect on July 1, many banks will continue to charge a fee if you opt in to their overdraft service. It's important to know how these changes might affect you and your money. |
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Plan smart for your family's financial future |
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Few things in life trigger a sense of personal responsibility like having children. Part of that responsibility is ensuring both your own and your children's financial futures. However, a recent survey released by TD Ameritrade shows that many parents cite the expense of raising children as one of the top reasons why they have fallen behind in retirement planning. A good first step in getting back on track for retirement is determining what you need to do to secure your future, as well as your children's. |
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Five things small businesses can do to make marketing pay off |
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In shaky economies, companies that invest in their marketing often come out on top. But for small business, making these investments often feels risky. Not only are time and resources tight, many small business owners feel they lack the knowledge to make the marketing choices that provide a return. In fact, figuring out "what works" is the top marketing concern for nearly 80 percent of small business owners. |
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Americans wising up about credit cards, studies show |
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Americans seem to be learning their lesson when it comes to using credit cards wisely, two new studies indicate. The average American has fewer credit cards, is relying on them less, and is trying to pay down their debt - which, in many metropolitan areas, still exceeds the national average. |
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A new roof can put money back in homeowners' pockets |
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A 2010 survey by American Express indicates that homeowners will spend more than $6,000 on average on home improvements this year. For one lucky homeowner this money may come back not only in the form of enhancements to their home, but also thousands of dollars right back in their pocket. For others, installing a new roof could mean getting a little money back in their bank account. It's as simple as installing a roof and sharing the picture for all to admire. |
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Disney Star Demi Lovato offers her tips for teens to channel their inner rock star |
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Teen fashion trends come and go, but one look that's always in style is wearing your personality on your sleeve . . . or pant leg, or shoes. According to Demi Lovato, Disney Channel star and number one selling Hollywood Records artist, a true rock star look begins with wearing whatever showcases your unique personality and allows you to feel confident from head to toe. |
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How closing credit cards affects your credit score |
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If there are old merchant cards and other credit cards taking up space in your wallet, you may be tempted to close those accounts, since you don't use them anymore. However, that would be a bad move for your credit score. Even though you're not using them, those old credit cards are helping your credit score in a number of ways. |
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Easy ways to take advantage of solar energy at home |
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While installing a complete residential solar energy system can be cost-prohibitive for many homeowners, recent technology that integrates solar power with individual household appliances is making it easier for homeowners to harness the power of the sun without breaking the bank. |
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A sustainable bathroom saves water and money |
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With so many products claiming to be green these days, it's hard to know which ones are the real deal. A great indicator for certified sustainability in the bathroom is the WaterSense label, which is granted by the Environmental Protection Agency (EPA). By learning how (and which) products meet the criteria, you can easily incorporate the best - and most eco-friendly - products into your bath. |
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Protect your ride for best resale value |
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This summer doesn't have to be a scorcher - for your health or your car's resale value. It's hard enough keeping the sand and dogs off your leather seats, let alone remembering to wear sunscreen during those afternoon cruises. And while Mother Nature might not praise you for all of that hard work, it's important to keep maintaining your car's appearance - and protecting your health - top of mind during the peak car buying and selling season. |
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Smart ways to save money on summer home improvement projects |
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With summer in the air, you're just itching to get that home improvement project going. It's a great time to install a rain garden, improve storm-water runoff in your yard, redo your windows or siding, or even change the look of one of the rooms inside your house with new paint and furniture. |
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Cut college costs with 2010 tax breaks |
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Financing a college education in the 21st century is no small feat. According to the College Board, the average cost of tuition and fees at a four-year private college for the 2009-2010 academic year was $26,273 and $7,020 for a four-year public university. Add several thousands more for room, board, books and supplies. Fortunately, students, parents and graduates can get some of that money back on their 2010 federal tax return. |
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Five steps to ensure a health crisis doesn't mean financial ruin |
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A serious long-term illness or disability can have a devastating, often irreversible, affect on a family's financial well-being. In fact, health care expenses are among the most common cause of bankruptcies, according to findings published in the "American Journal of Medicine" last year. |
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Effortless ways to conserve water in the home |
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The summer months are right around the corner, and water conservation will undoubtedly be brought to the forefront for those who are impacted by seasonal droughts and water usage restrictions in their towns. It seems to be abundant, but water is a relatively scarce resource. Less than 1 percent of the world's fresh water is readily accessible for direct human use. Here are a few tips that you can follow to reduce your water consumption in the bath. |
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Layaway: It's back and easier than ever to use |
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In decades gone by, layaway was a staple for budget-conscious customers in retail stores across the country, but its popularity waned as credit cards became more available and consumers sought alternate finance methods to buy clothing and necessities. With household budgets tighter than ever due to the recent recession, layaway is once again emerging as a viable shopping tool. |
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Auto insurance coverage you may not know you have |
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You know that you have auto insurance, but do you know how you might be covered if you got in an accident or something happened to your vehicle? Because of the variety of options available when insuring your vehicle, you may not be aware of exactly what your policy really covers. |
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Simple steps to calm the financial jitters |
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Got a case of the financial jitters? You're not alone. A recent survey of 1,000 American adults by Thrivent Financial for Lutherans and "Kiplinger's Personal Finance" magazine found that most Americans are still struggling with or worried about their finances. |
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Personal branding: A new focus in job searching |
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Career development professionals are creating new strategies to help clients increase the chances of getting noticed among the throngs of job applicants vying for positions. Personal branding is the process of distinguishing the essence of an individual's relevant career attributes and communicating them consistently throughout the resume and interview. |
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Protect your family's home, even after you are gone |
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Caring for your family is something you do every day of your life. But there might come a time when you won't be available. Mortgage life insurance is a life insurance product designed to help your survivors pay your mortgage after you pass away. |
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Simple steps to get 'gorgeously green' on a budget |
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Going "green" is great at any time of the year. No matter the season, there are always "green" steps that can be introduced into everyday family routines that can lessen our negative effects on the environment and our health while helping us to save money at the same time. |
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Five ways to save money on your next road trip |
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Are you among the millions of Americans planning a summer road trip? If so, you may be traveling to your destination by car instead of airplane to save money. But road trips can become stressful if you are on a tight budget. |
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Five tips college students need to be credit card smart |
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Going to college is, for most students, the first time they'll feel really independent. And, accordingly, the rest of the world starts treating them like adults too, from the expectations of college professors to the credit card offers that will start flooding in. And just as it's important to study hard for a major, it's essential to learn what are the real benefits and repercussions of having a credit card. |
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How CDs can benefit your financial planning |
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The economy might be doing a little better, but many families are taking a conservative approach to investing money. And planning for the future - retirement, educational expenses, a new car or house or maybe a long-anticipated vacation - requires careful strategy to make sure you have the money you need, when you need it. |
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Build up your savings account for the future |
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As the manager of your household's money, you're always trying to find the best ways to save for your family's future - maybe for retirement, college tuition, home remodeling, medical expenses or just a few fun trips you'd like to take. |
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Ways to keep insurance rates lower for young drivers |
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If you have a teenager approaching driving age in the house, hold on to your wallet. The cost of adding a teenage driver to your policy will run you anywhere from an extra $500 to $3,000 per year, according to Lease.com. |
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Simple tips to keep your vehicle running its best |
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All motorists want their vehicle to last on the road and perform at its best. As the summer finally begins to wind down, it's important to make sure your car is properly prepared for cooler weather and weekend road trips. Since a car is typically the second largest investment Americans make, and families are now keeping their vehicles longer than ever, protecting and maintaining this investment is key to keeping cars running smoothly and efficiently. |
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Choosing a bank that's right for you |
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The banking landscape has changed dramatically over the past year and a half. And whether you've been a banking customer for 30 years or are just looking to open your first account, you may find that choosing a bank - or knowing if you're with the right bank - is more difficult than ever. |
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Are you throwing money out the (energy inefficient) window? |
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They frame your favorite view and are key to making your home comfortable in summer and winter, yet most people don't think about them until they stop working properly. But, if your windows aren't performing as well as they should, now is a great time to consider replacing them. |
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Tips to stretch your back-to-school dollars this fall |
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Going back to school usually means new books, supplies and computer software as well as meals, coffee and tuition - all of which can really add up. Here are some money-saving tips to make sure you can live within your budget this school year. |
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'Social savings' - Shoppers unite to find great deals |
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While the negative effects of the economic downturn continue to dominate the headlines, a silver lining has appeared in the midst of monetary misery - lower taxes, a decrease in personal spending and a slight increase in individual savings. And, because misery does indeed love company, we've witnessed the rise of a relatively new phenomenon - the era of "social savings." |
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Identity theft prevention tips for college kids heading back to campus |
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Getting their dorm room organized, reconnecting with friends they met last year, making new friends, setting up a class schedule ... college students have a lot to look forward to as they head back to campus. Identity thieves eagerly anticipate back-to-school time too, because it often means more opportunity for them to purloin someone's private, personal information for their financial gain. |
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Rising gold prices make protecting your gold essential |
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Has your jewelry box become a treasure chest? No matter why you possess these metals, your passion (or investment) has recently reached a peak in value. But if something were to happen to that collection, would insurance cover the current value? |
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Nonprofits leaning on individuals and corporations in tough times |
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A new study released by the Corporation for National and Community Services reported that the number of volunteers in America rose 1.6 million in the past year. The dramatic increase ultimately demonstrates that people are contributing to their communities at an increasing rate, even during financially challenging times. |
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How safe is your debit card? |
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Many people choose to use a debit card over a credit card or cash because it's more convenient, but did you know it can also protect you from theft and help you better manage your money? Knowing more about your debit card's features will help you get the most out of your banking relationship. |
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Smart online shopping tips to save Moms time and money |
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The average American mother spends nearly an hour a day purchasing products and services and more than two hours a day on household activities like housework, according to the Bureau of Labor Statistics. Clearly, streamlining tasks like shopping can help mothers save money and make their lives easier. |
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Savings heat up with solar-powered water heaters |
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Thanks to the federal tax credit program, you can recoup 30 percent of the total installed cost of a solar water heating system. It's a great time to switch to solar power for your water heating needs. But before you buy a solar water heater, do your homework, learn about the technologies available and review just how solar-friendly your home can be. |
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Need money for college? Follow these tips |
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Even though the economy has slowed down, college applications are up. Many people are enrolling in undergraduate programs or going back to school for an advanced degree. There is money out there to help you pay for tuition and room and board -- you just have to find it. Here are some tips. |
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Cut heating costs with simple home decor changes and home improvements |
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With a scorching summer drawing to a close and last winter's deep freeze looming in their minds, many Americans are already looking for ways to curtail energy costs this winter. Fortunately, a few simple home improvements - and even some decor changes - can help reduce your home's heating costs this winter. |
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Ways to help, hurt and establish your credit |
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Credit is an important tool used to measure how responsible an individual is. Banking and lending institutions use your credit score to determine the level of risk associated with making funds available to you. There are several ways any individual can help, hurt and establish credit. Keep these things in mind when you attempt to improve your credit. |
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Before you begin a remodel, know how to score the best financing |
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If you're interested in increasing the value and livability of your home, remodeling might make sense for you. But before you begin hiring contractors, you need to do some basic prep work first. If a home improvement loan is in your future, your first step should be to check your credit score and report. |
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Ten tips on how to be a good neighbor - and avoid lawsuits |
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Treating your neighbor as you would like to be treated is wisdom that is thousands of years old. And it may be more important than ever in today's litigious society where a growing number of Americans - nearly 80 percent - live side-by-side in urban and suburban areas, in many cases separated only by a wall. |
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What every senior should know about identity theft |
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The very qualities that make some seniors feel safe - a tendency to not use credit much, operating on a cash basis and avoiding technology - make identity thieves view seniors as very appealing targets, credit experts warn. Here are some steps seniors can take to protect themselves. |
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The perfect energy-saving DIY home improvement project for fall |
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When it comes to do-it-yourself projects that will save money on energy costs, there are many new products on the market that make it possible to save hundreds of dollars over time, with just a few hours of easy installation. Few of these products come close to the long-term benefits of installing a radiant barrier in your attic. |
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Five tips for cutting your kids' hair at home |
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Cutting your kid's hair at home is convenient and saves money. In fact, a majority of people say they are confident using a hair clipper in three haircuts or less, the same amount of time it takes for the clipper to pay for itself. Also, a family of four can easily save $500 annually when three or more family members cut their hair at home. Here are five simple tips from WAHL to use with your kids. |
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The environmental benefits of soft water |
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When you think of soft water, the first thing that probably comes to mind is lustrous, easy-to-manage hair. Another benefit is washing clothes in the water leaves them softer and saves a significant amount of detergent. Best of all, when cleaning, you don't get that ugly bathtub ring. By eliminating hard water minerals, you can see health and cosmetic benefits as well as reduce the maintenance costs associated with scale buildup in home plumbing. |
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Why you should consider a professionally designed logo for your business |
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While creating a logo might seem to some like a simple art project, it should be taken much more seriously. A good logo fosters the connection consumers have with your business and increases the visibility of your products and services. Therefore, you can run into a number of problems if you choose a logo design method that is less than professional. |
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Which mechanic works best for you: independent or dealership? |
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If you just moved, are a new driver, or are in need of a new mechanic, you have plenty of options. You have the independent mechanics with their smaller shops, and the large dealerships that handle a lot of cars every day. So which one makes sense for you and your vehicle? |
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Smart household savings start in the laundry room |
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For many families, household budgets are still tight in the wake of the recession. But whether times are tough or not, it makes sense to save money wherever you can. There are plenty of small ways to start cutting costs. One of the best places in your home to start saving is the laundry room. |
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Why your credit history matters to insurance companies |
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Do you have bad credit? If so, it's unlikely to get around the fact that it's going to impact more than just your ability to get credit cards. Your credit history offers potential employers, banks and even auto insurance companies a snapshot of how safe or risky you are to employ, rent to or insure. |
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Five bank fees you should stop paying |
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Irritation with unnecessary banking fees is the No. 1 reason consumers switch banks, according to a recent survey. If you're paying these five fees, it's time to look for a bank that doesn't charge them. |
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Overwhelmed by debt? Know your options |
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If you find yourself in a financial hole you can't get out of, it's important to know you have options. Being in debt can cause people to continue to make payments that they can't afford or can barely afford without much hope of ever eliminating the debt. If you find yourself in this position, there are a few routes you can pursue to free yourself from overwhelming debt. |
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Need a tax deduction for 2010? Consider car donations |
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As the calendar winds down for 2010, it's time for you to consider any donations you want to make that can affect your 2010 taxes. Taxable donations are very important, because they can change what your final tax payment - or rebate - is come April 15, 2011. |
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Escape from winter's chill in your warm house |
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When the deep winter chill hits, the last thing you want to do is shiver inside your own house. But that frequently happens when drafty attics, fireplaces, leaky windows and open vents allow cold air to enter your house and have you hiding under blankets and heavier clothing. And not only are you shivering, you're probably spending a lot of money attempting to keep the temperature at a comfortable level. |
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Tips to help reduce debt |
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When you have debt, eventually it starts affecting your life. If you're unable to pay bills, creditors start calling, you're unable to sign up for credit cards or apply for loans because your credit score has dropped - it's time to re-evaluate your finances and see what options are available to you. |
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Tips to dress your tot without breaking the bank |
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Many new parents find the cost of keep their little ones comfortable and stylish can add up as quickly as the cost of diapers and formula. Budget-savvy parents should look for clothing sources that offer both durability and affordability. |
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An affordable child care alternative: Au pairs |
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If you're a working-parent family with school-aged children or younger, you know first-hand the price of child care. Child care costs are not only high, but are rising, according to a report released by the National Association of Child Care Resource and Referral Agencies. |
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Is going green worth it? |
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You've stopped buying bottled water, opting instead for a reusable bottle you carry everywhere you go. When you go shopping, your list leans toward the organic and recycled. But when you get home, going "green" seems a lot more daunting. |
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Tips for travelers to thwart identity thieves |
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You're not the only one looking forward to your vacation or business trip. Identity thieves relish your travel time too, because your vital, personally identifying information may be more exposed when you're traveling than when you're at home or work. Before you head to the airport or start out on your long road trip, take some precautions to safeguard against identity theft - even when you're not at home. |
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When is the right time to switch auto insurance companies? |
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When you start looking over the family finances, that moment rarely coincides with the months your insurance policies, cable or cell phone contracts are set to renew. In fact, you're more likely to make this financial review during times of the year when you need to budget for events - like Christmas, or when school tuition bills come due. |
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Designing with natural light: Good for your health and your wallet |
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Nowhere does the green movement and uplifting design meet and marry better than in the concept of "daylighting" - bringing natural light into a space to both brighten it and reduce dependence on electric lighting. Decorating and designing with natural light is not only energy efficient, but psychologically beneficial as well. |
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Life insurance FYI for 'Generation Y' |
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Those younger than 40 often give little thought to life insurance products early on, as they are more inclined to wait until they reach specific life stages. But buying life insurance can be easier and less costly when you're young. |
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Luxe looks for less |
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When summer's over it means back to spending more time indoors. But don't let the dropping temperatures take you down with them. Instead, spruce up your space with easy projects. With a little time - and even less money - you can transform your home with simple and luxurious looks ... for less. |
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Five ways to ensure your older car costs less to keep running |
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Hanging on to a car - and taking care of it - can definitely save you money versus taking on a new-car payment. The key to maximizing your savings on an old car is actually to spend a little on regular maintenance. Follow these simple steps to ensure good maintenance helps you avoid expensive repairs. |
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Why the recession can be a good thing for those in debt |
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It's been a tough few years for most Americans, facing a constricting national - and world - economy, job losses, pay cuts and a tough employment market. It can certainly be difficult to see the good in those circumstances, but helpful things can come out of these challenging times. You don't need to be a Pollyanna, but taking a practical look at how the recession affects your personal finances can show that there are some positives. |
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Three tips to make your utility meter run backward |
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(ARA) - What would you do with an extra $2,200 per year? That is the annual energy bill for a typical American home, according to the U.S. Dept. of Energy (DOE). Dramatically reducing that cost, or even selling power back to the utility company, could mean having enough money for a vacation, a down payment on a car or a boost to your child's college savings. |
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Six tips for buying life insurance |
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Buying life insurance for the first time can be a daunting task for anyone. Luckily, there are several time and money saving tips that a person can utilize while buying life insurance. |
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Creative fundraising helps to keep schools strong |
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Times are tough, as every parent is keenly aware. But while everyone knows how the economy is affecting household budgets, families with school-age kids are feeling an extra crunch that is being put on their children's schools. |
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