Financial News from US News & World Report

  • 10 Ways to Repair Your Retirement Finances US News - 5 hours ago

    If you're approaching the year you want to retire but don't have enough money in the bank to live the lifestyle you want, it's not too late to improve your retirement prospects. Here's how you can fix your retirement finances at the last minute. There's no need to live near your job or in a good school district in retirement.

  • 6 Practical Gifts for the Travel Pro US News - 7 hours ago

    For minimalist packers who like to keep their carry-on compact and pared down to the absolute essentials, this 3-in-1 tool contains a charger, battery pack and a surge protector, making it easy to ensure your electronic devices are powered up wherever you are. Johnny Jet, editor-in-chief of the popular Johnny Jet site and an avid traveler, recommends this tool for added comfort, especially when traveling abroad or taking a cruise. The duel-outlet charger allows you to easily charge your phone, computer and camera seamlessly and simultaneously while on the go and is built with 615 joules of surge protection.

  • How to Buy a Retirement Home With a Reverse Mortgage US News - 8 hours ago

    This can be helpful to people who want to relocate and can't afford mortgage payments in retirement or are unable to qualify for a conventional mortgage. It may also be a useful financial tool for delaying Social Security or conserving cash. "Very few people actually use the reverse to buy a home, but it's a great tool," says Sylvia Gutierrez, a mortgage professional in Miami and the author of "Mortgage Matters: Demystifying the Loan Approval Maze." "They're not tied to that monthly payment.

  • The Best Energy Stocks to Buy for 2016 US News - 9 hours ago

    Many energy stocks were pummeled this year as plunging crude oil prices ate up profit margins across the sector. Crude oil prices have tumbled to near $40 per barrel, down from $98 a year ago, pressured by a global oil glut and weak demand. The supply/demand balance may finally be nearing a tipping point, and better crude oil prices could lie ahead, bullish analysts say.

  • Is an HSA Missing From Your Retirement Savings Strategy? US News - 9 hours ago

    Ryan Tiernan is something of a health savings account evangelist. The founder and owner of Access Point HSA, a health savings account administrator, says many people overlook the potential of an HSA to pad their retirement nest egg. "The H is for health but don't be fooled," he says.

  • 5 Salary Negotiation Mistakes That Cost You Money US News - 9 hours ago

    Salary negotiations are one of the most nerve-wracking parts of job-hunting. Here are five salary negotiation mistakes to avoid in order to maximize how much money ends up in your paycheck. Not negotiating at all is probably the biggest salary negotiation mistake people make, often because they feel awkward asking for more money or they're worried that the employer will be outraged and pull the offer.

  • How to Shop Cyber Monday Like a Pro US News - 10 hours ago

    Cyber Monday comes only days after Black Friday, but the younger shopping holiday sets itself apart from its predecessor in several important ways. While Black Friday is traditionally a brick-and-mortar ...

  • How El Nino Will Impact Food Prices and Food Stocks US News - 10 hours ago

    The El Nino weather phenomenon is in full force and will likely last until the second quarter of 2016, and it will also likely have a major impact on food prices and commodities. The typical weather patterns are on display: California is finally seeing some rains and snows (in higher elevations) after a severe drought, while Southeast Asia is seeing drier weather. The U.S. National Weather Service says one of El Nino's key indicators -- sea surface temperatures in the eastern Pacific Ocean -- surpassed readings from 1997 levels, which was the strongest El Nino to date.

  • 5 Tips for Running an Awesome Meeting US News - 10 hours ago

    Preparing well is critical to a successful meeting and tells your employees that you take the meeting seriously and want everyone to get the most out of it. Having a meeting when you don't really need one is the No. 1 way to frustrate your employees. As you plan your meeting, ask yourself if all the talking points are really meeting material or if they could be handled with a few emails or phone calls -- or even a short conference call.

  • Is the Force With the New Star Wars Credit Card? US News - 10 hours ago

    As fans all over the world eagerly await the December release of "Star Wars: The Force Awakens," we are continuously reminded that the global Star Wars phenomenon isn't just about movies. There are novels, comic books, video games, lunchboxes, clothing of all shapes and sizes, breakfast cereals, action figures, bobbleheads, and even a Darth Vader refrigerator -- all of which you can buy with a Star Wars Visa credit card. The card is part of Chase's Disney Visa card program and is available in three different Star Wars-themed designs: one featuring Darth Vader, another with Yoda and another with R2-D2 and C-3PO.

  • Surprise: Chiropractors Can Treat These 5 Conditions US News - 12 hours ago

    You might think chiropractors are only able to help with back aches, stiff necks, slipped discs and whiplash injuries. Chiropractic care -- which is based on the understanding that, given the opportunity, the mind and body can heal itself -- can treat many issues that might surprise you. Research shows that spinal manipulation -- the primary form of care provided by chiropractic doctors -- is an effective way to treat tension headaches and headaches that begin in the neck.

  • 5 Steps to Plan Your Retirement US News - 12 hours ago

    Only one in three Americans in their 50s has ever tried to plan for retirement, according to a National Bureau of Economic Research study. The result: Barely 20 percent of pre-retirees have a useful plan for retirement. Here are five items to include in your retirement outline.

  • Are Retailers Destroying Black Friday? US News - Sat, Nov 28, 2015 1:00 AM AEDT

    If Black Friday starts on a Wednesday, can it really be called Black Friday? It's a question worth asking, since Black Friday, by some accounts, began last week, on Nov. 20, when the online retail giant started offering Black Friday sales a full week before the actual Black Friday. Some car manufacturers are running Black Friday sales that last an entire month, and you may recall that for the past couple of summers, some retailers have offered Black Friday in July sales.

  • 7 Ways to Save Time, Money and Stress This Holiday Season US News - Sat, Nov 28, 2015 1:00 AM AEDT

    The flurry of the holiday shopping season kicks off in earnest Friday, with the National Retail Federation anticipating 135.8 million Americans planning to shop online and off during Black Friday, Small Business Saturday and Sunday, and Cyber Monday. Also check the price adjustment policies of your intended outlets. Macy's, for instance, allows a price adjustment within 14 days if the original item is purchased without a coupon.

  • 5 Holiday Store Return Policies You Need to Know US News - Sat, Nov 28, 2015 12:00 AM AEDT

    Here are some Black Friday return policy dates and details you should know before bargain hunting at some of the biggest stores. At Best Buy, purchases made between Nov. 1 and Dec. 31 have an extended return period that lasts through Jan. 15. Best Buy purchases can be returned in-store (regardless of whether you purchased them online or in-store).

  • 6 Smart Financial Things to Do On Black Friday US News - Fri, Nov 27, 2015 12:00 AM AEDT

    If you've already taken a sneak peek at Black Friday sales and are wondering whether this will be the year you get up at the crack of dawn to stand in line for those deals, consider some other ways you could be saving. Making some smart spending decisions this holiday season and backing away from Black Friday madness could be just what you need to keep your finances on track. Here are six smart financial things to do on Black Friday instead of shopping.

  • Know the Risks of Year-End Mutual Fund Purchases US News - Thu, Nov 26, 2015 2:06 AM AEDT

    Except that you might tweak your timing a little -- just a little -- at the end of the year, or you may get hit with a tax bill on year-end capital gains distributions that you don't deserve. "Many mutual funds are expected to make sizable capital gains distributions this year," says Mike Piershale, president of Piershale Financial Group in Crystal Lake, Illinois. "This has triggered capital gains in a year where the stock market has not done that well," he says.

  • Why I Won't Shop on Thanksgiving Weekend US News - Thu, Nov 26, 2015 1:55 AM AEDT

    Americans are planning to spend big on the holidays this year, and they'll be doing much of that spending over the long Thanksgiving holiday. In fact, the NRF projects that 138 million of us -- nearly 60 percent of holiday shoppers -- will do at least some of our shopping over the four-day Thanksgiving weekend.

  • These Stocks Will Be Winners This Holiday Season US News - Thu, Nov 26, 2015 1:40 AM AEDT

    The holiday season could be good for investors this year as consumers seem to have found their spending mojo. "The improving condition of the U.S. consumer implies a fairly brisk holiday shopping season ahead," says Joe Brusuelas, chief economist at professional services firm RSM.

  • How You Can Support Small Business Saturday US News - Thu, Nov 26, 2015 1:35 AM AEDT

    Instead of pitching tents, elbowing people in the face and yanking a toy out of another shopper's hands on Black Friday, those on the hunt for holiday gifts this week might have a more serene shopping experience on Small Business Saturday. Small Business Saturday falls on the first Saturday after Thanksgiving -- or as some know it -- the recovery day after Black Friday. American Express launched Small Business Saturday in November 2010 to help bring attention to smaller stores in communities and encourage shoppers to support local business instead of just megastores on Black Friday and Cyber Monday.

  • How to Put Your Money to Good Use US News - Thu, Nov 26, 2015 1:12 AM AEDT

    As we approach Thanksgiving, lots of people start to think about ways to give back. One great strategy is to research any charities you're considering donating to on Charity Navigator. Charity Navigator combines information on thousands of charities, including about their financial state to what they pay their CEO.

  • How to Spot a Pest Problem When You Tour a House or Apartment US News - Thu, Nov 26, 2015 1:00 AM AEDT

    Cockroaches, mice, bedbugs and ants are among the most common pest problems in America, according to pest control experts, and there's a good chance you will find yourself battling one in your home at some point. Brian Schoonmaker, vice president of Capitol Pest Control in Bethesda, Maryland, says having insects, spiders or small mammals in your home is unavoidable, but there are ways to keep them from invading your space. If you go into a home you will find an insect or rodent dropping," Schoonmaker says.

  • 5 Ways Professionals Can Boost Their Online Reputations US News - Thu, Nov 26, 2015 1:00 AM AEDT

    If your reputation is good, all you need to do is to reiterate and reinforce these words and concepts in your status updates, LinkedIn profile, resume and online conversations. Don't ignore your online reputation or dismiss social media altogether. In fact, 51 percent of hiring managers use search engines to research candidates, according to a CareerBuilder survey.

  • The Best Frugal Household Hacks US News - Thu, Nov 26, 2015 1:00 AM AEDT

    Those choices are what will allow the blogging couple to say goodbye to the stress of office and city life in 2017 and retire to their soon-to-be purchased Vermont homestead. Once they make the move, they will quit their day jobs (he works as a software engineer and she works in communications), but their income won't plummet to zero: The couple plans to rent out their Cambridge home for income, and they might continue to take freelance work online or run a Airbnb rental on their property.

  • Compare Life Insurance, 529 Plans for College Savings US News - Thu, Nov 26, 2015 1:00 AM AEDT

    Miguel Palma, an accountant in Dublin, California, set up a cash-value life insurance policy when his daughter was young. In a cash-value life insurance policy, sometimes called permanent life insurance, buyers can overfund their premiums to create a cash value that grows tax-deferred within the policy. Then, the policyholder can borrow from the cash value, tax-free as long as the policy remains in effect, for any purpose, college included.

  • 4 Questions to Answer Before You Retire US News - Wed, Nov 25, 2015 11:45 PM AEDT

    It's an achievement to make it to retirement. Years of hard work pay off once you have saved enough and get to hand over a resignation letter to your boss. You say farewell, and there may be a few tears ...

  • 16 Things Investors Should Know About Crowdfunding US News - Wed, Nov 25, 2015 5:59 AM AEDT

    Sure, it's risky: Statistics show that as many as 90 percent of startups fail. If you're set on sinking your money into a startup, here are 16 things to keep in mind. With that portion of your portfolio, look at 10 or 15 different startups to invest in," says Todd Crosland, CEO of Seed Equity Ventures, which offers investment banking services for startups.

  • Open Enrollment: Deciding Between a PPO, HMO, EPO or POS Plan US News - Wed, Nov 25, 2015 2:36 AM AEDT

    Open enrollment for benefits plans is here, and that includes choosing health insurance coverage. As employers and insurers shift more of the cost to users, the annual choice gets harder, whether you buy insurance through your employer, the Affordable Care Act exchange or one of the state exchanges. No matter what your health status, it's important to study your options every year and do some math to find the best option for your family.

  • How Seasonal Retail Experience Can Boost a Corporate Job Interview US News - Wed, Nov 25, 2015 2:00 AM AEDT

    According to a recent Monster poll, two-thirds of respondents have worked for a retailer, warehouse or corporate headquarters. The skills you learned at a retail gig can be used to ace your next corporate job interview. Interview tip: In order to ace a job interview, your mindset should be similar.

  • Help! I Was Sold a Bad Home. Now What? US News - Wed, Nov 25, 2015 1:57 AM AEDT

    Sometimes all the safeguards the real estate industry has put in place to help prevent buyer's remorse after purchasing a house still don't work. The process takes time for a reason, and you aren't getting ...

  • A Foodie Retirement in Medellin, Colombia US News - Wed, Nov 25, 2015 1:50 AM AEDT

    Medellín, Colombia, is a pretty, tidy city with a near perfect climate. You will also see interactive outdoor museum-parks, an aquarium, an amusement park, botanical gardens, a planetarium, a "barefoot park" with a Zen garden and dozens of small neighborhood parks and treed plazas. Medellín is an economic and financial center for Colombia, as well as a literary and an artistic one.

  • Turning a Saver into a Spender in Retirement US News - Wed, Nov 25, 2015 1:45 AM AEDT

    You spent years developing a savings plan that helped you reach financial independence. Retirement and financial independence is a long-term stage of life. You also need to develop a plan for what retirement and the spending of those assets looks like.

  • Here's Why Everyone Needs a Passion Project at Work US News - Wed, Nov 25, 2015 1:30 AM AEDT

    No matter what you do for a living -- or where you are in your professional journey -- I encourage you to find a passion project at work. What is a passion project? A passion project is something that you feel excited about working on but isn't necessarily spelled out in your job description.

  • How to Make the Most Out of the 5 Major Shopping Holidays US News - Wed, Nov 25, 2015 1:28 AM AEDT
    How to Make the Most Out of the 5 Major Shopping Holidays

    Have you started your holiday shopping yet? According to a survey conducted by, 19 percent of online shoppers will be starting their shopping on Thanksgiving and continuing through Cyber Monday, a trend that is up 45 percent year over year. This year is the first where we've seen several retailers announcing they will not be open on Thanksgiving or Black Friday.

  • How to Save on Personal Care Products US News - Wed, Nov 25, 2015 1:19 AM AEDT

    In addition to traditional coupons, drugstores often offer loyalty programs that come with extra markdowns as well as other types of rewards programs. Walgreens has Balance Rewards, CVS has ExtraCare and RiteAid has Wellness+ with Plenti. Tip: If you don't like carrying around keycards, download a smartphone app that keeps track of all of your rewards programs and account numbers.