2015 ~ Komsan365

Over 20% of Americans Think They'll Never be Debt Free

A new CreditCards.com survey released Wednesday found that 21 percent of Americans believe they will never be able to pay off their debt. That's up slightly from 18 percent the previous year and comes even as the job market shows signs of improving. The Labor Department said Friday the U.S. economy added 211,000 jobs last month and the overall unemployment rate remained unchanged at 5 percent. Still, people are weary about their job security, said Matt Schulz, senior analyst at CreditCards.com. "This shows there is a real debt problem in America and it's not improving very much." The survey also found that the number of people who are debt free increased to 22 percent this year from 14 percent the year earlier. In fact, Schulz said that, surprisingly, individuals making up to $30,000 a year are the most likely to say they are free of debt.

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Do These 8 Things to Profit From the Improving Economy

After several years of sluggish growth, it appears that the economy is getting better. Unemployment has dropped. The stock market has been setting record highs. But are you poised to take full advantage of the rebound? (See also: 8 Ways Rising Interest Rates Can Help Your Wallet) Here are eight ways to position yourself for the best result once the economy kicks into high gear. 1. Pay Off Debt If the economy is getting better and you find yourself earning more, getting rid of debt should be your first priority. The last thing you want is to miss out on an economic boom because you're handcuffed by loans and credit card bills, so pay that stuff off. And do it fast, because a good economy often comes with higher interest rates. So if you have debt, it's best to rid yourself of it before it gets pricier to pay down later.

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US Aerospace Sector Poised for 2015 Record Trade Surplus: Group

The U.S. aerospace industry is expected to post a record trade surplus in 2015, buoyed by strong demand for U.S. commercial airplanes and weapons, the Aerospace Industries Association (AIA) said on Tuesday. But the AIA, the sector's largest trade group, warned there were signs of an early slowdown in orders and monthly backlog. New orders for aerospace products have fallen 32 percent to $210.3 billion in the nine months ended September 2015 from a year earlier. AIA Chief Executive Officer David Melcher told reporters the U.S. aerospace trade balance grew by $19 billion over the past five years to reach a record $62 billion in 2014, and was on track to top the record this year. AIA said the sector exported $92 billion worth of manufactured goods in the first nine months of 2015, an increase of 5.8 percent from the same period of 2014. The total included $81.3 billion in civil aircraft, engines, parts and space systems, and $10.7 billion in military aerospace systems.

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Tight Inventories, Rising Prices Hurt Home Sales

Home resales fell in October as a persistent shortage of properties limited choice for potential buyers and pushed up prices, suggesting some softening in the pace of the housing market recovery after strong gains early this year. Still, housing remains on solid footing, with sales for the full year on track to be the best in eight years. That should see housing take up some of the slack from a chronically weak manufacturing sector. The housing market is in decent shape but could be a lot better if people decided they were ready to move and listed their homes. "The housing market is in decent shape but could be a lot better if people decided they were ready to move and listed their homes," said Joel Naroff, chief economist at Naroff Economic Advisors in Holland, Pennsylvania.

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Those who don't want another machine taking up space on their countertop might want to wait a few years; Keurig says it's working on a machine that could make both hot and cold drinks.

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Still, Keurig thinks its Kold machine could eventually be bigger than its coffee brewers, which it says are in about 17 percent of U.S. households. In addition to going on sale on its website Tuesday, the company says the Kold will be available starting in October at select retailers in Atlanta, Boston, Chicago, Dallas, Los Angeles and New York.

Thanksgiving: The Cost of Cooking vs. Takeout vs. Dining Out

Thanksgiving is a time for friends and families to share a festive meal and reflect on their blessings. Along with that comes the expectation of a full-on turkey dinner, not to mention the stress associated with planning, spending, and cooking. But hosts have options besides preparing a meal from scratch: carry out from a commercial eatery or grocery store, organize a potluck or dine at a restaurant. Believe it or not, the alternatives are easier on the wallet. In a comparative price check, Cheapism.com found that a home-cooked meal for eight rang up at $13.20 a person compared with $10 for restaurant takeout, $11.25 for grocery store takeout, and $11.99 for an adult restaurant meal.

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Everyone Loves Same-Day Delivery, Until They Have to Pay

That's the problem merchants face as the busy holiday shopping season approaches. They want to offer customers the near-instant gratification that usually only comes with shopping in stores or via apps like Uber and Seamless (GRUB). But the logistics and costs of same-day delivery -- the fuel, labor, infrastructure and other costs -- have been difficult challenges to surmount. This year, Amazon (AMZN) has been making an aggressive push to offer same-day delivery to people who've paid its $99 fee for Prime loyalty club membership. That service is now available in 23 metro areas. And where Amazon goes, other retailers must follow. "Over the past 18 to 24 months Amazon has been pushing the bar" for fast and cheap delivery, said Daphne Carmeli, CEO of Deliv, a startup that works with retailers to provide same-day delivery. "If you're in retail, you have to step up to the new bar."

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Wall Street Closes Higher as Crude Steadies

U.S. stocks recovered from early losses on Monday to close higher, helped by firmer oil prices, as investors awaited an expected Federal Reserve interest rate hike later in the week. The S&P 500 benchmark index rallied in the afternoon after falling earlier in the session in a volatile trading day. Concerns about high-yield bonds, oil price swings and the Fed made for a skittish market, said Peter Costa, president of Empire Executions Inc. "It's a lot of uncertainty," he said. While investors widely expect the Fed to announce its first rate hike in nearly a decade on Wednesday, they are also waiting for commentary from policymakers about what will happen next. Traders see an 83-percent chance that the Fed will lift rates by 25 basis points, according to the CME Group's FedWatch program.

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Holiday Gifts That Cost Next to Nothing

First, try bringing some joy to old photos with cookie cutter frames. Simply place a cookie cutter on top of your photo. Then, trace the outer edge of the cookie cutter. Carefully cut your photograph along the traced edge, and finally pop your photo into the back of your cookie cutter. For an added festive feel, get some ribbon and turn your cookie cutter frames into Christmas tree ornaments. Next, try mixing things up with your own hot chocolate mix. Just layer unsweetened cocoa powder, powdered milk, sugar, salt, chocolate chips and mini marshmallows in a jar. This gift also has great decorative possibilities. Try decorating the jar with labels, ribbons, and other crafty things. Finally, rejuvenate your gift budget with a homemade Sugar Cookie Foot Scrub that calls for ingredients you might already have in your pantry. Just mix brown sugar, white sugar, olive oil and vanilla extract. Then, pour the mix into a jar that you've spruced up with some personal decorations. Adding your personal touch to these gifts will make the holidays especially joyful. These are just a few of the many great gifts you can make without paying too much. By getting creative with these tips, you can overcome the naughtiness of overspending and be nice to your savings.

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The Best Credit Cards for Customer Satisfaction

Lindsay bought a memory foam mattress from a store that guaranteed no interest financing for two years. Fourteen months after the purchase, interest charges surfaced on her bill. A credit card David did not open showed up on his credit report as delinquent. The debt, which he discovered because he kept getting denied new credit, will remain on his credit history for seven years. Joyce's son purchased a wedding band on her credit card without her approval. When she contacted the jeweler, the store refused to do anything about it. Though their names have been changed for this article, these are all real complaints consumers have filed with the Consumer Financial Protection Bureau. U.S. News & World Report's Best Credit Card rankings take into account consumer stories like these to evaluate credit cards on the market. One factor of the methodology, customer experience, uses CFPB complaints to determine how satisfied customers are with their credit cards.

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Still, it's not yet clear who will buy the Keurig Kold, which is the size of a very large crockpot. Keurig says the suggested retail price for the machine is $369.99, but that prices could be as low as $299 depending on promotions. Each pod will cost between $1.12 and $1.25 and make an 8-ounce serving. That means it's not really a way to save money, since people can buy 2-liter bottles and 6-pack cans of soda for less, on a per-serving basis.

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Keurig Green Mountain (GMCR) says it will start selling a machine Tuesday that makes single servings of cold beverages including Coke, Sprite, Dr. Pepper and flavored seltzer waters. The machine is similar in concept to Keurig's brewers, which let people make cups of coffee and tea by inserting a pod into the machine and pressing a button.

Economic Good Tidings for Which We Are Grateful

As Thanksgiving approaches, we think about all of the people and things in our lives that we are thankful for -- but how often do we think about being thankful for our economic good fortune? The 24-hour news cycle can make it seem like we are in a constant state of economic crisis. However, with some holiday perspective, we can see some of the more positive aspects of the US economy. Do you need some help getting into the optimistic mode? We are here to help. Consider the following bits of good economic news to put you in a thankful frame of mind.

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DraftKings, FanDuel Granted Stay, Can Resume NY Business During Appeal

A New York Appeals Court granted an emergency stay on an injunction against daily fantasy sports operators FanDuel and DraftKings on Friday, hours after New York Supreme Court Justice Manuel Mendez ordered the companies to cease business in the state. DraftKings will continue operating in New York while the Attorney General’s actions against daily fantasy sports operators are under appeal, a company spokesperson confirmed to FOXBusiness.com. A FanDuel spokesperson did not immediately respond to a request for comment on whether it would resume operating in New York during the stay on the injunction.

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7 Ways Make Extra Money From Home

Sometime working at home can be a career goal, and sometimes it's a way to put a little extra cash in your pocket. If your goal is simply to make some extra money, moonlighting from the comfort of your home is definitely appealing but you have to be careful! While there definitely are legitimate ways to make extra money quickly, it is important to keep in mind that you won't get rich quick. And anything that promises that you will is almost certainly a work-at-home scam. These 7 money-making ideas require little, if any, monetary investment. And the level of your investment of time can vary. And with most of them, if you gradually expand your time commitment, you'll see your monetary reward expand as well.

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5 Strategic Steps to Help You Double Your Revenue Next Year

My consulting business has grown close to 400 percent over the past four years. It wasn’t an accident, and it wasn’t a fluke. It was a carefully crafted plan combined with a fierce dedication to execution. But first it required a shift in my thinking. Here are the steps I take each year, in concert with my entire team, to plan for huge growth: 1. Start early. Many small companies determine their growth plans for the upcoming year some time in December. Bad idea. That is far too late to accomplish anything substantial. If you want to double your revenue in one year, then the revenue machine must get cranked up to start running on Jan. 1.

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Seattle boss raises entire company's minimum wage to $70,000

After hearing about a study that claimed income-- to a certain level-- directly affects one's emotional well-being, the founder of a Seattle-based credit card processing company announced Monday that he will take a large salary cut so he can increase the pay for each employee to at least $70,000 a year. The New York Times reported that Dan Price, the head of Gravity Payments, told his 120-person staff about the plan after talking to friends about the difficulties of making $40,000 a year.

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Food is also a huge part of the holidays, and the NRF found out that restaurant gift cards are the most popular type of gift card overall. But instead of buying a card for a single restaurant, buy one that works at many. Restaurant reservation company OpenTable and digital marketing website Restaurant.com both sell gift cards that can be used to foot the bill at diners, bistros and other eateries across the U.S. The people who receive your gift cards can redeem them online for a certificate from the restaurant of their choice.

4 Gift Cards to Give Instead of a Starbucks Card

A gift card is an easy choice if you want to treat friends and co-workers this holiday season --but your card may be third or fourth one that someone receives if you choose a crowd-pleaser like Starbucks cards. A gift card is an easy choice if you want to treat friends and co-workers this holiday season --but your card may be third or fourth one that someone receives if you choose a crowd-pleaser like Starbucks cards. If you want your present to stand out and be remembered, consider giving the gift of choice. Here are some cards that will allow the people on your list to choose something they really want from among hundreds or millions of items.

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These 13 Numbers Are the Keys to Understanding Your Finances

Understanding a few basic numbers can give you a good picture of your financial health and help you plan your future. You may have seen these terms mentioned in personal finance articles and in the news. Learn what these numbers mean and how to use them to improve your money situation. 1. Net Worth Net worth is the most important measure of your overall financial health. The calculation of net worth is simple — in short, subtract everything you owe from everything you have: Net Worth = Total Assets - Total Liabilities Assets include all property you own (including cars, a home, etc.), savings, investments, and the money in your checking account.

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till, it's not yet clear who will buy the Keurig Kold, which is the size of a very large crockpot. Keurig says the suggested retail price for the machine is $369.99, but that prices could be as low as $299 depending on promotions. Each pod will cost between $1.12 and $1.25 and make an 8-ounce serving. That means it's not really a way to save money, since people can buy 2-liter bottles and 6-pack cans of soda for less, on a per-serving basis.

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Making a glass of Coke at home will soon be possible, if you don't mind paying more than $300 for a machine that sits on your kitchen countertop. Plus an extra dollar or so per drink. Keurig Green Mountain (GMCR) says it will start selling a machine Tuesday that makes single servings of cold beverages including Coke, Sprite, Dr. Pepper and flavored seltzer waters. The machine is similar in concept to Keurig's brewers, which let people make cups of coffee and tea by inserting a pod into the machine and pressing a button.

12 Top Scams Affecting Your Pocketbook

It seems like there's always a new scam making the rounds, and even those who are savvy can fall for them. Here are 12 of the latest scams that you should watch out for -- including phone scams, online scams, investment scams and others -- and how you can protect yourself. 1. Identity Theft Scam Hui-chin Chen, a financial planner at Pavlov Financial Planning in Arlington, Virginia, told a harrowing tale of a colleague's client who had his email account hacked. The hacker contacted the financial planner and requested an emergency withdrawal into a new bank account. Fortunately, since it was a new bank account, the adviser called the client and found out that he never made the request. The advisory firm's internal controls stopped the adviser from transferring the funds to the thief. To protect yourself from this type of identity theft, always make sure you have a secondary verification when a financial adviser or second party has access to your money.

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It's Cash Over Mobile Payments This Holiday Season

According to Bankrate.com, mobile payments just aren't catching on with U.S. consumers of age groups. "Just 14 percent of U.S. adults who use a smartphone or a similar handheld device plan to use services such as Apple Pay or Android Pay even once this holiday shopping season, including 19 percent of millennials," Bankrate states. "Among those who don't plan to make mobile payments, the top reasons were 'not secure enough' (36 percent) and 'other payment methods are more convenient' (31 percent)." About 70 percent of shoppers will use cash or debit cards to pay for holiday purchases. 22 percent will use credit cards, Bankrate reports. What's interesting about consumers and mobile payments is that the most common fear linked to digital payments -- angst over security breaches -- might be overblown. "The most common misconception surrounding mobile payments is that they are not secure," says Mike Cetera, an analyst at Bankrate. "Truth be told, fraud is much more likely to occur on ordinary credit and debit card transactions. And of course cash can be lost or stolen without any consumer protections."

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5 Habits That Will Inevitably Sabotage Your Finances

Money is an important part of our lives. We buy what we need with it, we fund our future with it and we support others with it. Unfortunately, there are a number of bad habits that can sabotage our financial well-being. Some of these habits won't destroy our finances right away, but over time, we may find ourselves in a dire situation with little hope of recovery. Let's take a look at some of these bad habits and how you can avoid or conquer them as quickly as possible. 1. Smoking. According to the CDC, "Tobacco use remains the single largest preventable cause of death and disease in the United States." Talk about bad for your finances and your health. Let's pretend for a moment that the only cost from smoking is what hits your wallet -- not your lungs. OK, how much will you be spending? Let's say that a pack of cigarettes costs you $4.49 -- although the price widely varies from state to state. And, let's say you smoke two packs a day. That's $8.98 a day.

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