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Money: Personal Finance, Business, Small Business news features - wave3.com-Louisville News, Weather & Sports
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November saw an unexpected jump in job creation, with 215,000 new jobs throughout the month.
As usual, our Inc. 5000 folks are upbeat. But only, they say, if Washington cleans up its circus act.
Welcome to the new entrepreneurial status quo -- business owners who crave independence, not dominance.
Advertising for an open position can lead to an avalanche of resumes. Here's how to cope.
This may be the most wonderful time of the year. But the holiday season also can be one of the costliest.
This is a week for giving thanks, something we usually think of in the context of our home and a gathering of family and friends. But have you thought about how you might thank your employees this holiday season?
Employers should have the good sense to know when people need and deserve a break. Employees are human beings, not profit centers.
When contemplating an investment, few questions are as important as "What is your time horizon?" The answer can help you decide what type of investment vehicle you should consider, which investments to avoid and how long to hold your investment before selling.
Welcome to a slow economy and low-single digit seasonal growth. Say hello to 365/24/7 online competitors.
With a shorter shopping season and weak economic forecasts, small businesses need to go the extra mile to attract customers.
It may be better to give than receive--but not with these gifts. Sales expert Tom Searcy shares the five types of gifts you should avoid giving this holiday season.
Jupiterimages / Creatas / ThinkstockAt one time, annuities may have looked like an ideal retirement vehicle. However, annuities have somewhat lost their glow.
Returning to school requires an upfront financial commitment. But college can be affordable when you put these tasks on your personal syllabus.
Kanishk Parashar is a software developer who's created a little piece of hardware he thinks will replace credit cards. And maybe your ID card, too.
When it comes to retirement planning, the 4% rule has stood as a tried-and true method of drawing retirement income from an investment portfolio without depleting the principal of the portfolio prematurely. This rule states that a retiree can usually withdraw about 4% of the value of his or her portfolio each year, provided that the portfolio is allocated at least 40% in equities.
The new Health Insurance Marketplace is off to a shaky start since its Oct. 1 launch, despite its intention to provide a simple, easily accessible comparison of healthcare plans and purchase coverage.
Marketing dollars are a terrible thing to waste. Here are three powerful tips for getting the most from what you spend.
While IRAs are well-known among adult investors, they also make excellent savings vehicles for children who, because of their age, are poised to take full advantage of time – and the power of compounding.
Most investors are aware that the market undergoes times of strong trends and times of lateral ranging. Many investors employ a different trading system for each environment. But what happens in a period of extreme volatility?
Trust means everything in relationships, whether we're focusing on those in romance, family or finances. Make that, especially in financial matters, which can be as emotionally draining, destructive and costly as anything else that we experience in our lives.
The national debt level has been a significant subject of U.S. domestic policy controversy.
What is myth and what is real when it comes to gender and finance?
The three major credit bureaus have used the FICO scoring model for decades, but the differences in how each agency computes its scores has led to numerous discrepancies that are often problematic for both lenders and consumers. The VantageScore model is designed to provide a much more standardized grading system than the one used by Fair Isaac and Company.
President Obama signed into law the Affordable Care Act, designed to expand access to healthcare coverage to millions of Americans. While the rate you pay for health insurance typically goes up each year due to rising medical costs, rates are expected to increase even more because of changes under the healthcare reform.
The deeper Americans go into debt, the greater the need for debt relief assistance. If you find yourself in very serious debt, here is what you need to know about getting help.
Car sharing, the newest way to rent a car, is catching on in the U.S., Canada and Europe. But both renters and the car owners they rent from may be taking on risks they don't fully understand.
Twitter doesn't have a valuation problem. Rather, it faces a revenue conundrum. Here's why.
Many of those who have suddenly find themselves without incomes are facing tough times. These steps can help see you through this lean time.
Democrats and Republicans are united in the belief that fiscal drama in Congress that's transfixed both Wall Street and Main Street over the past few days is crazy. We are talking Charley Sheen in all his "tiger's blood and Adonis DNA" glory.
It's difficult to turn on the television these days without seeing a slew of commercials for reverse mortgages. What they don't tell you is that reverse mortgages can be dangerous and can put your biggest asset - your home - at risk.
If your home is one of the 60 percent of U.S. households that have a pet, here are some things that you can do to ensure the well-being of your beloved furry family member without breaking the bank.
The culture of boom and bust is very much a part of Western civilization, with the U.S. economy particularly vulnerable to periods of sudden growth and sharp decline.
While electronic trading technology is now used to facilitate the majority of trading in a high-speed and high-volume operation, human traders still play a significant role, and the way opening closing prices are set continues to be based on supply and demand in a modern-day auction style format.
When Obamacare, otherwise known as the U.S. Health Care Reform Act, goes into effect January 1 next year, Americans will be faced with yet another way to find and buy health insurance.
You can say "I do" without going into extra debt by being prepared for these last-minute monetary surprises.
A German behavioral finance specialist often warns people not to "fall in love with shares." The love analogy is an appealing one, but more is going on here than the cliché would suggest.
The world of business has always been a harsh, survival-of-the-fittest environment. So it is not surprising to see so many military terms creeping into the vocabulary of everyday investors or TV analysts.
The stock market has no shortage of names, products or categories that try to classify stocks to give them greater exposure. Whether that exposure is good or bad is up to the individual investor or money manager to decide.
Hemera Technologies / Ablestock.com / Getty images / ThinkstockStockbroker or trader? Each career involves trading securities, but the nature of each varies greatly. We'll look at these differences as well as the preparation required to pursue either career.
Retirement can sound almost too good to be true. Unfortunately, fewer than half know how much to save in order to maintain something close their current lifestyle.
There are a number of valid reasons why you need to keep watch of the people you add and keep on Facebook. More lending outlets are turning to checking social connections online to evaluate people's loan eligibility.
If you are saying "I do" (or recently did), it's time to get serious not only about your relationship, but about your future financial outlook as a couple.
Many assume that passionate employees accept less money because they love their jobs, but a new study indicates that they end up earning more.
Just do a simple "buy Twitter followers" Google search and you'll see an overwhelming number of options for purchasing your way to bigger numbers.
What federal tax deductions can you take for a mortgage and other home ownership expenses?
To create a good work-life balance, you might have to learn to say no to your bosses.
Your children may help you qualify for valuable tax benefits, such as certain credits and deductions.
A condominium offers many of the advantages of home ownership with fewer of the hassles. That is, unless you're talking about getting a mortgage for one.
Wondering if you can qualify for a home equity loan? Recent indications suggest that second mortgages are on the rebound, but that doesn't necessarily mean they're easier to get.
The IRS has six important facts about dependents and exemptions that will help you file your 2012 tax return.
The IRS Volunteer Income Tax Assistance and Tax Counseling for the Elderly programs provide free tax help in communities across the country.
Mortgage rates have been on the rise. Is this your last, best chance to refinance and save money with a super low rate?
If you received income during 2012, you may need to file a tax return in 2013.
You don't hear much about adjustable-rate mortgages these days, but for the right kind of borrower, they're still an attractive option.
With housing prices and mortgage rates as low as they are, many are tempted to take the plunge and become first-time homeowners. But how do you know if you're truly ready?
The IRS will begin processing most individual income tax returns on Jan. 30 after updating forms and completing programming and testing of its processing systems.
The CFPB has rolled out long-awaited new rules for residential mortgages. So what will be the impact on mortgage borrowers?
Long-awaited "qualified mortgage" rules have been issued by the CFPB, setting forth guidelines to protect borrowers from predatory lending.
Some 3.8 million homeowners will share in an $8.5 billion settlement over improper foreclosure and mortgage servicing practices.
Following the tax law changes made under the American Taxpayer Relief Act, the IRSit plans to open the 2013 filing season and begin processing individual income tax returns on Jan. 30.
The home appraisal is very important when refinancing a mortgage. So how can you make sure you get the highest appraisal possible?
The House of Representatives settled on an 11th-hour agreement that averted widespread tax increases and spending cuts that were set to kick in Jan. 1.
The way mortgage rates have been falling the past three years, a lot of homeowners are not only refinancing their mortgages, they're doing it for a second or even a third time.
What does Steven Sinofsky's abrupt departure from Microsoft mean for Windows … and the way the company will compete with Apple and Google?
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