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6 types of businesses you can start with almost no cash
Entrepreneur
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Trump's vow to repeal health law revives talk of high-risk pools
The New York Times
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Surface plans for businesses for as low as $53.25/month
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How Trump's proposals may affect every income tax bracket
CNBC
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In debt and afraid: Dealing with debt collectors
Associated Press
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A nonprofit pub that's good for what ales you
CBS News
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America's love of gas guzzlers hampers fuel economy progress
MarketWatch
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![Dennis Carr, rejected by insurers because of his asthma and a sinus condition, was directed to California’s high-risk pool. The premiums were too high, said Mr. Carr, who now lives in Arizona.]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm7pG0.img?h=64&w=80&m=6&q=60&u=t&o=t&l=f&f=jpg&x=750&y=1072"} "Dennis Carr, rejected by insurers because of his asthma and a sinus condition, was directed to Calif... - Caitlin O'Hara for The New York Times")
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![Six out of 10 new vehicles sold in the U.S. are pickup trucks, a reason why fuel economy gains have grown at a snail’s pace]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm3YLm.img?h=64&w=80&m=6&q=60&u=t&o=t&l=f&f=jpg&x=292&y=231"} "Six out of 10 new vehicles sold in the U.S. are pickup trucks, a reason why fuel economy gains have ... - Provided by Dow Jones & Company, Inc.")
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A nonprofit pub that's good for what ales you
CBS News
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Bogus bongs or bogus lawsuits? Pipe maker sues over fakes
Associated Press
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Taiwan's Foxconn chief confirms mulling $7B US investment
AFP
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Ford takes a $2 billion accounting charge
USA TODAY
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Sabic buys out Shell in Saudi Petrochemical for $820 Million
Bloomberg
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Ex-banker named boat 'Overdraft.' Now bank is in hot water over fees
The Washington Post
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Apple sues Qualcomm over patent royalties in antitrust case
Bloomberg
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Rite Aid stock dives amid doubts about Walgreens deal
The Street
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US bankruptcy court judge OKs $425 million for Avaya loan
Reuters
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How Trump could shake up US auto manufacturing
CBS News
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Las Vegas Sands paying $7M in corrupt practices probe
Associated Press
![ ]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm7r3P.img?h=240&w=624&m=6&q=60&u=t&o=t&l=f&f=jpg&x=960&y=857","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm7r3P.img?h=164&w=624&m=6&q=60&u=t&o=t&l=f&f=jpg&x=960&y=857","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm7r3P.img?h=164&w=624&m=6&q=60&u=t&o=t&l=f&f=jpg&x=960&y=857","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm7r3P.img?h=164&w=624&m=6&q=60&u=t&o=t&l=f&f=jpg&x=960&y=857"} " - CBS News")
![Jay Work talks to a reporter at his Grateful J's smoke shop, Thursday, Jan. 12, 2017, in Margate, Fla. High-end German glass water pipe maker Roor and its American licensee are filing lawsuits against smoke shops and mom-and-pop convenience stores in Florida, California and New York alleging that they are selling Roor counterfeits, violating its trademark. (AP Photo/Alan Diaz)]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm78zE.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=856&y=793","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm78zE.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=856&y=793","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm78zE.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=856&y=793","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm78zE.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=856&y=793"} "Jay Work talks to a reporter at his Grateful J's smoke shop, Thursday, Jan. 12, 2017, in Margate, Fl... - The Associated Press")
![Journalists (in foreground) watch a large video screen showing Terry Gou, founder of Foxconn parent Hon Hai group, during a shareholders conference at the company's headquarters in Tucheng in New Taipei City on June 22, 2016]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm78uc.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=602&y=213","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm78uc.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=602&y=213","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm78uc.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=602&y=213","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm78uc.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=602&y=213"} "Journalists (in foreground) watch a large video screen showing Terry Gou, founder of Foxconn parent ... - Provided by AFP")
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The Washington Post
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Reuters
![FILE - This June 17, 2014 file photo shows the Sands Expo and Convention Center and The Palazzo in Las Vegas. The properties are owned and operated by Las Vegas Sands Corp. U.S. authorities said Thursday, Jan. 19, 2017, that billionaire Sheldon Adelson's casino company is paying almost $7 million to settle a foreign corrupt practices investigation of the company's former relationship with a consultant in Macao and China. (AP Photo/John Locher, File)]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm32zk.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=978&y=1079","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm32zk.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=978&y=1079","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm32zk.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=978&y=1079","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm32zk.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=978&y=1079"} "FILE - This June 17, 2014 file photo shows the Sands Expo and Convention Center and The Palazzo in L... - The Associated Press")
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Procter & Gamble reports $7.9B profit, raises sales outlook
USA TODAY
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Zuckerberg sues hundreds of Hawaiians to force property sales
CNBC
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General Electric profit soars 36 percent despite slow sales
Reuters
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Heineken in talks to buy Kirin's Brazilian beer operations
CNBC
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FedEx, UPS say inauguration will affect services
USA TODAY
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A totally free EpiPen alternative will soon hit the market
Money
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Burger King employee becomes millionaire by selling cars
CNBC
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Uber to pay $20 million to settle U.S. claims it misled drivers
Reuters
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Starbucks latest to expand parental leave benefits
Associated Press
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Lilly to lay off about 500 after drug fail
USA TODAY
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JPMorgan raises CEO Dimon's pay 3.7 percent to $28 million
Reuters
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IBM's Q4 just isn’t enough
InvestorPlace
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Wells Fargo merging international business with wholesale banking
Reuters
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American Express earnings not as good as guidance
24/7 Wall St.
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Telecommunications company Avaya files for bankruptcy
Reuters
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Hyundai plans $3.1B investment in U.S.
USA TODAY
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Why Amazon is both a boon and a threat to startups
Fortune
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U.S. health agency tells Grassley there is no EpiPen settlement yet
Reuters
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J.C. Penney's turnaround grinds to a halt
The Motley Fool
![Procter & Gamble Co. headquarters building in Cincinnati. Al Behrman/AP]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBg6Y68.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1047&y=767","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBg6Y68.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1047&y=767","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBg6Y68.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1047&y=767","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBg6Y68.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1047&y=767"} "Procter & Gamble Co. headquarters building in Cincinnati. - Al Behrman/AP")
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![FILE - In this Jan. 14, 2011, file photo, a General Electric light bulb glows as it is turned off in Buffalo, N.Y. General Electric Co. reports quarterly financial results, Friday, Jan. 22, 2016.]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBoCWgT.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1198&y=885"} "FILE - In this Jan. 14, 2011, file photo, a General Electric light bulb glows as it is turned off in... - AP Photo/David Duprey, File")
![]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm2KIi.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1433&y=726"} "Provided by CNBC")
![]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm3eCI.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=342&y=291"} "c - FedEx")
![In the wake of last summer's protests over EpiPen price gouging, low-priced competitors have emerged in early 2017.]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm2cbH.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1334&y=935","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm2cbH.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1334&y=935","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm2cbH.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1334&y=935","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm2cbH.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1334&y=935"} "In the wake of last summer's protests over EpiPen price gouging, low-priced competitors have emerged... - Drew Angerer—Getty Images")
![Money Logo]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BB5LlM8.img?h=16&w=16&m=6&q=60&u=t&o=t&l=f&f=png"})
![]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1wSN.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1489&y=154","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1wSN.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1489&y=154","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1wSN.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1489&y=154","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1wSN.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1489&y=154"} "Provided by CNBC")
![A photo illustration shows the Uber app logo displayed on a mobile telephone, as it is held up for a posed photograph in central London]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm26SI.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=387&y=253"} "A photo illustration shows the Uber app logo displayed on a mobile telephone, as it is held up for a... - REUTERS/Toby Melville/Illustration")
![ ]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAizsWI.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=399&y=243"} " - REUTERS/Leonhard Foeger")
![Jamie Dimon answers a question at the U.S. Senate Banking, Housing and Urban Affairs Committee hearing in Washington]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm2cvx.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=224&y=158","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm2cvx.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=224&y=158","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm2cvx.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=224&y=158","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm2cvx.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=224&y=158"} "Jamie Dimon answers a question at the U.S. Senate Banking, Housing and Urban Affairs Committee heari... - REUTERS/Larry Downing/File Photo")
![ibmmsn]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlZqxk.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=364&y=195","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlZqxk.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=364&y=195","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlZqxk.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=364&y=195","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlZqxk.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=364&y=195"} "ibmmsn - Provided by InvestorPlace")
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![A Wells Fargo logo is seen in New York City]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1ZIL.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=457&y=220"} "A Wells Fargo logo is seen in New York City - REUTERS/Stephanie Keith")
![American Express logo]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlX6m1.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=482&y=544"} "American Express logo - Wikimedia Commons")
![The sign at Avaya Inc. offices and lab in Westminster, Colorado is seen]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBvjc9t.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=408&y=186"} "The sign at Avaya Inc. offices and lab in Westminster, Colorado is seen - REUTERS/Rick Wilking")
![A worker installs parts on a door of a sedan at the Hyundai Motor Manufacturing of Alabama plant in this 2012 file photo]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1Iln.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1164&y=644","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1Iln.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1164&y=644","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1Iln.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1164&y=644","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1Iln.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1164&y=644"} "A worker installs parts on a door of a sedan at the Hyundai Motor Manufacturing of Alabama plant in ... - MONTGOMERY ADVERTISER, AP")
![Jeff Bezos, president and chief executive officer of Amazon.com Inc., listens during a meeting with U.S. President-elect Donald Trump and technology leaders at Trump Tower in New York, U.S., on Wednesday, Dec. 14, 2016.]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1Z7c.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1433&y=634","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1Z7c.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1433&y=634","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1Z7c.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1433&y=634","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1Z7c.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1433&y=634"} "Jeff Bezos, president and chief executive officer of Amazon.com Inc., listens during a meeting with ... - Albin Lohr-Jones- Bloomberg via Getty Images")
![Fortune Logo]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAjjR5O.img?h=16&w=16&m=6&q=60&u=t&o=t&l=f&f=png"})
![A file photo showing the EpiPen auto-injection epinephrine pens manufactured by Mylan NV pharmaceutical company are seen in Washington]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm26fP.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=537&y=376"} "A file photo showing the EpiPen auto-injection epinephrine pens manufactured by Mylan NV pharmaceuti... - REUTERS/Jim Bourg/File Photo")
![The Motley Fool Logo]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AA4YRaD.img?h=16&w=16&m=6&q=60&u=t&o=t&l=f&f=png"})
Market Movers
Key Quotes
Across the market
Quotes across security and market types that are moving the markets today
Data not available
Data not available
Bonds
1-Month T-Bill
0.4600
-0.0100
-2.13%
3-Month T-Bill
0.5000
-0.0200
-3.85%
6-Month T-Bill
0.6200
0.0000
0.00%
1-Year T-Bill
0.8200
-0.0100
-1.20%
2-Year T-Note
1.20
-0.05
-4.00%
3-Year T-Note
1.50
-0.03
-1.96%
5-Year T-Note
1.95
-0.02
-1.02%
10-Year T-Note
2.48
+0.01
+0.40%
20-Year T-Note
2.79
+0.02
+0.72%
Markets
Skyworks Solutions Inc
SWKS
▲
88.70
+10.26
+13.08%
Gol Intelligent Airlines Inc
GOL
▲
17.87
+1.40
+8.50%
Forward Pharma AS
FWP
▲
30.78
+2.03
+7.06%
1st Source Corp
SRCE
▲
46.72
+2.99
+6.84%
Rite Aid Corp
RAD
▼
7.48
-1.13
-13.08%
Bristol-Myers Squibb Co
BMY
▼
49.23
-6.26
-11.28%
TransDigm Group Inc
TDG
▼
227.01
-24.70
-9.81%
-
Trump's vow to repeal health law revives talk of high-risk pools
The New York Times
-
How Trumponomics will trickle down to the consumer
CNBC
-
US gas prices drop a cent over 2 weeks to $2.36 a gallon
Associated Press
-
American infrastructure needs $808 billion upgrade
24/7 Wall St.
-
Oil producers say output cut on track
AFP
-
China clamps down on banks moving currency overseas
The Financial Times
-
5 questions on a US-China trade war
AFP
-
Stocks close higher after Trump is sworn in as president
CNBC
-
Mexican peso strengthens against US dollar after Trump speech
CNBC
-
Housing regulators suspend plans to cut mortgage premiums
Reuters
-
6 tips for avoiding the worst student loan repayment traps
The New York Times
-
Was Obama a good jobs president?
USA TODAY
-
The mortgage market's $1 trillion pocket of worry
The Wall Street Journal.
-
Many Obamacare customers will be paying more for less this year
CNBC
-
Opinion: You won't like these predictions for mutual funds
MarketWatch
-
'The Pax Americana, as of tomorrow, is over'
Business Insider
-
Trump on track for 5th-best post-election market honeymoon
USA TODAY
-
How Peter Thiel's latest investment could shake up airline pricing
Fortune
-
China seen posting steady Q4 GDP growth of 6.7 percent
Reuters
-
Bankers in Davos see Trump making Wall Street great again
Bloomberg
![Dennis Carr, rejected by insurers because of his asthma and a sinus condition, was directed to California’s high-risk pool. The premiums were too high, said Mr. Carr, who now lives in Arizona.]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm7pG0.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=750&y=1072","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm7pG0.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=750&y=1072","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm7pG0.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=750&y=1072","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm7pG0.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=750&y=1072"} "Dennis Carr, rejected by insurers because of his asthma and a sinus condition, was directed to Calif... - Caitlin O'Hara for The New York Times")
![]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm4jRG.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=662&y=427","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm4jRG.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=662&y=427","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm4jRG.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=662&y=427","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm4jRG.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=662&y=427"} "Provided by CNBC")
![bridge construction]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm6Xp6.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=436&y=905"} "bridge construction - Thinkstock")
![Countries within OPEC agreed to implement a previous accord struck among themselves on November 30 to cut production by 1.2 million bpd from January 1]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm75Fb.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=394&y=273"} "Countries within OPEC agreed to implement a previous accord struck among themselves on November 30 t... - Provided by AFP")
![]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm7bG0.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=499&y=196","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm7bG0.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=499&y=196","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm7bG0.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=499&y=196","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm7bG0.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=499&y=196"} "Provided by Financial Times")
![The Financial Times Logo]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AA3bLwz.img?h=16&w=16&m=6&q=60&u=t&o=t&l=f&f=png"})
![ ]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm2LA7.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=524&y=297","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm2LA7.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=524&y=297","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm2LA7.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=524&y=297","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm2LA7.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=524&y=297"} " - Provided by AFP")
![ ]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BB8oRPN.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1129&y=777"} " - Victor J. Blue/Bloomberg/Getty Images")
![]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm4pWh.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1069&y=297"} "Provided by CNBC")
![A customer enters a bank advertising home mortgage services in Manhattan Beach, Calif., on Sept. 10, 2013.]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BB83guI.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1243&y=452"} "A customer enters a bank advertising home mortgage services - Patrick T. Fallon/Bloomberg")
![File photo of a college student at graduation holding a diploma.]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BB5WKHl.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=909&y=700","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BB5WKHl.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=909&y=700","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BB5WKHl.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=909&y=700","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BB5WKHl.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=909&y=700"} "A college student at graduation - Bounce/Getty Images")
![President Barack Obama gets generally high marks for his record in job creation.]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1VLb.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1232&y=804","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1VLb.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1232&y=804","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1VLb.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1232&y=804","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1VLb.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1232&y=804"} "President Barack Obama gets generally high marks for his record in job creation. - Evan Vucci, AP")
![An empty mail box is seen at the front door of a foreclosed house in Miami Gardens, Florida in this September 15, 2009 file photo. There are more than 6,600 home foreclosure filings per day, according to the Center for Responsible Lending, a nonpartisan watchdog group based in Durham, North Carolina. With nearly two million already this year, the flood of foreclosures shows no sign of abating any time soon.]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AA8lWZ4.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1312&y=931"} "File photo of empty mailbox in front of foreclosed house - Carlos Barria/Reuters")
![The Wall Street Journal. Logo]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AA36Tom.img?h=16&w=16&m=6&q=60&u=t&o=t&l=f&f=png"})
![donald trump]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1Igc.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1078&y=898","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1Igc.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1078&y=898","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1Igc.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1078&y=898","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1Igc.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1078&y=898"} "donald trump - Provided by Business Insider")
![Business Insider Logo]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AA3dTgi.img?h=16&w=16&m=6&q=60&u=t&o=t&l=f&f=png"})
![Trump Rally is born: An image of President-elect Donald Trump appears on a TV screen at the New York Stock Exchange on Nov. 9, 2016, the first trading day after his surprise Election Day win. (AP Photo/Richard Drew)]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm2ha8.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1579&y=957","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm2ha8.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1579&y=957","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm2ha8.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1579&y=957","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm2ha8.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1579&y=957"} "Trump Rally is born: An image of President-elect Donald Trump appears on a TV screen at the New York... - Richard Drew, AP")
![]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1F3X.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=789&y=1198"} "Justin Sullivan Getty Images")
![Workers build a wooden scaffolding at a construction site in Beijing]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm2jjV.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=489&y=172"} "Workers build a wooden scaffolding at a construction site in Beijing - REUTERS/Thomas Peter")
![Donald Trump, co-owner of the Miss Universe Organization, speaks during a news conference after the 2013 Miss USA pageant at the Planet Hollywood Resort and Casino in Las Vegas, Nevada June 16, 2013. Trump announced that the 2013 Miss Universe pageant will be held on November 9 at Crocus City Hall in Moscow.]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAcLi2v.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1249&y=741"} "Donald Trump, co-owner of the Miss Universe Organization, speaks during a news conference after the ... - REUTERS/Steve Marcus")
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Treasury nominee failed to disclose $100 million in assets
The New York Times
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Russian business world hopes for relief from Trump
Associated Press
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Bond guru who called last bear market 40 years ago says go long
Bloomberg
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Saudi Arabia says another OPEC cut possible in 2017
Associated Press
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'Dr. Doom' Nouriel Roubini rips Trump's trade policies
CNBC
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Average US 30-year mortgage rate falls to 4.09 percent
Associated Press
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ECB maintains stimulus, tells critics to be patient
Reuters
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Trump's Treasury pick faces criticism over foreclosures
Associated Press
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Home construction jumps, led by more apartment building
Associated Press
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Why would Trump want a weaker dollar?
The Atlantic
![Steven Mnuchin testified Thursday before the Senate Finance Committee during his confirmation hearing as Treasury secretary.]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1nEm.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1128&y=379","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1nEm.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1128&y=379","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1nEm.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1128&y=379","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1nEm.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1128&y=379"} "Steven Mnuchin testified Thursday before the Senate Finance Committee during his confirmation hearin... - Al Drago/The New York Times")
![FILE - In this Nov. 9, 2016, file photo, President-elect Donald Trump smiles as he arrives to speak at an election night rally, Wednesday in New York. Donald Trump enters the White House on Jan. 20 just as he entered the race for president: defiant, unfiltered, unbound by tradition and utterly confident in his chosen course. In the 10 weeks since his surprise election as the nation’s 45th president, Trump has violated decades of established diplomatic protocol, sent shockwaves through business boardrooms, tested long-standing ethics rules and continued his combative style of replying to any slight with a personal attack _ on Twitter and in person. (AP Photo/ Evan Vucci, File)]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1M0q.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1117&y=766","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1M0q.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1117&y=766","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1M0q.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1117&y=766","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1M0q.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1117&y=766"} "FILE - In this Nov. 9, 2016, file photo, President-elect Donald Trump smiles as he arrives to speak ... - The Associated Press")
![ ]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1g5J.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1228&y=664"} " - Andrea Wong")
![Khalid Al-Falih, Minister of Energy, Industry and mineral Resources of Saudi Arabia, is pictured during the 47th annual meeting of the World Economic Forum, WEF, in Davos, Switzerland, Thursday, Jan. 19, 2017. (Gian Ehrenzeller/Keystone via AP)]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1vev.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1470&y=571"} "Khalid Al-Falih, Minister of Energy, Industry and mineral Resources of Saudi Arabia, is pictured dur... - The Associated Press")
![]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm0Ujp.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=886&y=472"} "Provided by CNBC")
![This Tuesday, Dec. 6, 2016, photo shows a house for sale in Coral Gables, Fla. On Thursday, Jan. 19, 2016, Freddie Mac reports on the week’s average U.S. mortgage rates. (AP Photo/Alan Diaz)]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1qeL.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1002&y=1010","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1qeL.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1002&y=1010","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1qeL.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1002&y=1010","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm1qeL.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1002&y=1010"} "This Tuesday, Dec. 6, 2016, photo shows a house for sale in Coral Gables, Fla. On Thursday, Jan. 19,... - The Associated Press")
![Steven Mnuchin, Trump's campaign finance chairman, has been named treasury secretary. Mnuchin, 53, is a relatively little-known but successful private equity investor, hedge fund manager and Hollywood financier who spent 17 years at Goldman Sachs before leaving in 2002. He assembled an investor group to buy a failed California mortgage lender in 2009, rebranded it as OneWest Bank and built it into Southern California's largest bank. The bank came under fire for its foreclosure practices as housing advocacy groups accused it of being too quick to foreclose on struggling homeowners. Mnuchin's inclusion in Trump's campaign team was questioned at the time by Stephen Bannon, now Trump's chief White House strategist. In an interview on Breitbart News, Bannon asked Trump whether the then presidential candidate was "selling out to Wall Street". Mnuchin, whose father was also a Goldman Sachs partner, worked at the investment bank for nearly two decades starting in the mid-1980s, a time when Wall Street was developing major financial innovations including new securitization techniques and collateralized debt obligations -- instruments that would later contribute to the financial crisis.]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAltUsH.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1184&y=369"} "Steven Mnuchin, Trump's campaign finance chairman, has been named treasury secretary. Mnuchin, 53, i... - REUTERS/Carlo Allegri")
![A contractor cuts wood while working at the PulteGroup Inc. Sage housing development under construction in San Jose, California, U.S., on Tuesday, July 22, 2014. David Paul Morris/Bloomberg/Getty Images]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BB6EF13.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1240&y=435"} "A contractor cuts wood while working at the PulteGroup Inc. Sage housing development under construct... - David Paul Morris/Bloomberg/Getty Images")
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Top Stocks
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Top Stocks
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5 best economies in the world
24/7 Wall St.
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The Next Obstacle For Tesla Motors Inc
Benzinga
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The One Investing Lesson You Can Learn From Apple AND RadioShack
InvestorPlace
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Digital sales give 'Destiny' a boost: Activision CEO
CNBC
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GM slams the brakes on Corvette sales
Fortune
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Alibaba’s IPO: Investors could be getting a bargain
Fortune
![Globe resting on paper currency]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BB5aKZb.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg"} "5 best economies in the world - Martin Barraud/Getty Images")
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![US-DETROIT-AUTO-SHOW-CORVETTE]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BB3p11C.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg"} "US-DETROIT-AUTO-SHOW-CORVETTE - Provided by Fortune")
Smart Spending
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Smart Spending
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13 Credit Card Tricks Everyone Should Know Before 40
Credit.com
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10 Ways to Save for Your Retirement in Your 30s
GOBankingRates
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12 Credit Tips Everyone Should Know Before 40
Credit.com
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10 Immediate Steps to Start Planning for Retirement in Your 40s
GOBankingRates
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How Big Should Your Cash Reserve Be?
U.S. News & World Report - Money
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10 Things to Know About Money Before You’re 50
Money
![Most Americans use credit cards (more than 160 million Americans have them), but it's the truly savvy cardholders who know how to best maximize the potential of their plastic.In fact, most credit card users focus primarily on key terms such as the <a href="https://www.credit.com/personal-finance/how-interest-rates-work/?utm_source=MSN&utm_medium=content&utm_content=IB_1&utm_campaign=CC_tricks_40">interest rate</a> and annual fees, and rewards in the form of points, miles and <a href="https://www.credit.com/best-credit-cards/best-cash-rewards-credit-cards/?utm_source=MSN&utm_medium=content&utm_content=IB_2&utm_campaign=CC_tricks_40">cash back</a>. But beyond these important terms, there are a lot of valuable things you should know about how your credit cards work and what's possible for you as a cardholder.Here are 13 credit card tricks you should absolutely know before you turn 40.]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBs1dFV.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1340&y=390"} "Most Americans use credit cards (more than 160 million Americans have them), but it's the truly savv... - Constance Brinkley-Badgett")
![Credit.com Logo]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BB5vdxW.img?h=16&w=16&m=6&q=60&u=t&o=t&l=f&f=png"})
![reitrement in your 30s]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBrGP0r.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=969&y=659"} "reitrement in your 30s - Provided by Gobankingrates")
![GOBankingRates Logo]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAgmogR.img?h=16&w=16&m=6&q=60&u=t&o=t&l=f&f=png"})
![Turning 40 is an exciting milestone. It means crossing the threshold of middle age and hopefully reaching a point where you can take ownership of your choices. Though nearing the big 5-0 may feel terrifying, there's something incredibly freeing about knowing how to deal with whatever life throws your way, especially when it comes to your credit. To that end, here are some skills to master.]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBrw3uR.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg"} "Turning 40 is an exciting milestone. It means crossing the threshold of middle age and hopefully rea... - Jill Krasny")
![Couple using laptop at kitchen table.]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBrv6FQ.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1638&y=1037"} "Couple using laptop at kitchen table - Hero Images/Getty Images")
![Smart places for novice investors to put their money and watch it grow]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBrqLbr.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg"} "Smart places for novice investors to put their money and watch it grow - (iStockPhoto)")
![U.S. News & World Report - Money Logo]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BB8mVM9.img?h=16&w=16&m=6&q=60&u=t&o=t&l=f&f=png"})
![Women typically earn less than men do, and are more likely to take time out from full-time work to care for kids or aging relatives, thus they save less.]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAfw1jG.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1728&y=743"} "Gender matters—a lot. - B. Boissonnet/BSIP/Corbis")
Auto Insurance
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Auto Insurance
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7 Good Reasons to Shop for Car Insurance in 2017
Credit.com
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10 Places With the Highest Rates of Car Theft in the US
U.S. News & World Report - Money
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9 Ways to Drive Down Your Auto Insurance Rates
MoneyTalksNews
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12 ways good drivers lose their licenses
Insurance.com
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Five most expensive states to own a car (and the five cheapest states)
Insurance.com
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10 lies people believe about auto insurance
Insurance.com
![should-you-shop-around-for-car-insurance]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlUOVp.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg"} "should-you-shop-around-for-car-insurance - Credit.com Blog")
!["smashed out car glass, many jagged little pieces. Rear window also smashed in, if you look closely."]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxH40z.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=829&y=739"} "\"smashed out car glass, many jagged little pieces. Rear window also smashed in, if you look closely.... - (Getty Images)")
![Michaeljung / Shutterstock.com]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBx4FRi.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1630&y=289"} "Michaeljung / Shutterstock.com - Michaeljung / Shutterstock.com")
![MoneyTalksNews Logo]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AA3IqoL.img?h=16&w=16&m=6&q=60&u=t&o=t&l=f&f=png"})
![Writing a ticket for parking violation]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAiG9s5.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg"} "Writing a ticket for parking violation - Dennis Macdonald/Photolibrary/Getty Images")
![Insurance.com Logo]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBderIt.img?h=16&w=16&m=6&q=60&u=t&o=t&l=f&f=png"})
![Traffic backs up on the Kennedy Expressway in Chicago, Illinois.]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BB9AmU.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=890&y=758"} "Traffic backs up in Chicago, Illinois. - Scott Olson/Getty Images")
![]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBuwSxe.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1240&y=597"} "Uwe Krejci/Digital Vision/Getty Images")
Careers
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Careers
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The states with the least and most school-related arrests
Graphiq
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The 10 best and worst states to make a living
MoneyRates.com
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Download resume and cover letter templates
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The 10 least stressful jobs in 2017
Forbes
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The worst-paying places for firefighters in America
Graphiq
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The 20 best college towns in America
Business Insider
![<p>Among society's universal truths is that kids will get into trouble. Whether that's staying out past curfew or more serious offenses like experimenting with <a href="http://recreational-drugs.healthgrove.com/stories/27504/where-are-kids-doing-illicit-drugs">illicit drug use</a>, adults spend a great effort trying to keep their community’s youth in line. Try as they might, there are limitations to how much supervision there can be over adolescents.</p><p>Inevitably, immature mischief crosses a line into illegal territory, leading into brushes with law enforcement for teenage (or sometimes younger) offenders. <a href="http://www.startclass.com/">StartClass</a>, an education data site by <a href="https://www.graphiq.com/">Graphiq</a>, used the most recent <a href="https://ed.gov/about/offices/list/ocr/data.html?src=rt">Civil Rights Data Collection</a> information from the Department of Education to rank the states (plus Washington, D.C.) based on the rate of school-related arrests among students enrolled in public schools.</p><p>Per the CRDC, a school-related arrest refers to an arrest of a student for any activity conducted on school grounds, during off-campus school activities (including while taking school transportation) or due to a referral by any school official. Students from all grade levels (K-12) were included, and states are ranked by the number of students arrested per 10,000 students enrolled.</p><p>The data reflects arrests made during the 2013-14 school year (the most recent available). Nine states reported more than 25 school-related arrests per 10,000 enrolled students that year, including one state that averaged over 70 arrests per 10,000 students.</p><p>Note: Figures from each school are averaged to come up with an overall state-wide rate. In the event of ties, the state with the higher number of students arrested across all school types ranked higher.</p>]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAm2sYr.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg"} "Among society's universal truths is that kids will get into trouble. Whether that's staying out past... - David McNew/Getty Images")
![Graphiq Logo]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAepU1o.img?h=16&w=16&m=6&q=60&u=t&o=t&l=f&f=png"})
![MoneyRates.com Logo]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBdfweH.img?h=16&w=16&m=6&q=60&u=t&o=t&l=f&f=png"})
![Stock photo of mock resume on blue]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBkAx58.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1704&y=1186"} "Resumes - Mark Stahl/Getty Images")
![<p>Stress score: 9.02</p><p>Median pay: $78,630</p>]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlZajb.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=378&y=88"} "Stress score: 9.02Median pay: $78,630 - Shutterstock")
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![<p>Boulder, Colorado, is the top-ranked college town in the US, <a href="https://www.aier.org/cdi-2017/boulder-colo">according to a new list from American Institute for Economic Research (AIER).</a></p><p> The city of roughly 200,000 people earned the top spot thanks to its ease of accessibility - with more than 20% of commuters taking public transportation or cycling around Boulder Creek Corridor - and diverse and educated population. Boulder also has an active bar and restaurant scene, with plenty of coffee shops and microbreweries.</p><p>AIER calculated its list using nine economic, demographic, and quality-of-life factors. It defines small towns as having less than 250,000 residents.</p><p>Aside from the overall ranking, we included cities' individual scores for noteworthy metrics including rent, earnings, and bars and restaurants. Of the nine metrics cities were rated based upon, we chose the one for which they scored highest.</p><p> Scroll through to find out the 20 best college towns.</p>]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlSk3I.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg"} "Boulder, Colorado, is the top-ranked college town in the US, according to a new list from American I... - Shutterstock/Tang Yan Song")
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Fears of trade war under Trump
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Republicans have one major problem on Obamacare
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How did Costco become the hottest name in golf?
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Netflix subscribers surge on global growth
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Globalization under attack. Can it survive?
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Henry Kissinger: National debt is a major problem
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Trump calls NBC jobs story 'fake news'
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Govt. sues largest US student loan company for 'failing' borrowers
Newsy
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Lockheed Martin and Pentagon may seal $9 billion F-35 deal
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Asian investors look for bright spots in Trump's America
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Mark Zuckerberg talks Facebook's acquisition strategy
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How to save hundreds on eyeglasses
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Old Jewish quarters draw modern home buyers
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People can soon use food stamps to get groceries from Amazon
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![Every American is affected by who serves as president, but experts expect <a href="http://www.cheapism.com/blog/trump-presidency-financial-implications-14872/">Donald Trump's presidency</a> to have an especially big impact on older citizens. More than 46 million Americans are 65 or older. That's 14.5 percent of the U.S. population, or one in seven people, according to the Census Bureau. Based on campaign promises and other public statements, here’s how seniors’ lives could change with Trump in the White House.]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlYRPa.img?h=240&w=300&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlYRPa.img?h=152&w=300&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlYRPa.img?h=152&w=300&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlYRPa.img?h=152&w=300&m=6&q=60&u=t&o=t&l=f&f=jpg"} "Every American is affected by who serves as president, but experts expect Donald Trump's presidency ... - Monkey Business Images/shutterstock")
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Cheapism
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![When you no longer need to live near your job, a world of possibilities opens up. Relocating can sometimes save you money if you can <a href="http://money.usnews.com/money/retirement/slideshows/10-ways-to-reduce-your-housing-costs-in-retirement">find more affordable housing</a> and lower your tax bill. Residing near friends and your children and grandchildren can also play a role in your retirement happiness. And you are finally free to move to <a href="http://money.usnews.com/money/retirement/slideshows/10-retirement-spots-with-year-round-nice-weather">a place with better weather</a> and the amenities that suit you best. Here are some characteristics of a great place to retire.]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlWSI5.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlWSI5.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlWSI5.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlWSI5.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg"} "When you no longer need to live near your job, a world of possibilities opens up. Relocating can som... - (Getty Images)")
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![<p>In a recent GOBankingRates.com survey, 69 percent of respondents said they have less than $1,000 in savings. Even worse, 34 percent said they have no savings at all. Such abysmal savings rates suggest many Americans, if not most, live paycheck to paycheck.</p><p>However, even if you can't increase your pay, you could potentially improve your situation if you <a href="https://www.gobankingrates.com/personal-finance/best-worst-states-money-2017/">find a state where your money goes further</a> because the cost of living is low compared to your income. In this GOBankingRates study, we identified the U.S. states in which you're most and least likely to live paycheck to paycheck based on the following factors for each state:</p>Median household incomeCost of housing, food, transportation, utilities and healthcare per paycheckLeftover income after cost of living expenses<p>This study reiterates one of the most important personal finance lessons: Geography can have a huge impact on your money, especially your paycheck. Click through to see the best and worst states if you want to <a href="https://www.gobankingrates.com/personal-finance/ways-make-weeks-paycheck-further/">stretch your paycheck</a>.</p>]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlUmzy.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlUmzy.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlUmzy.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlUmzy.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg"} "In a recent GOBankingRates.com survey, 69 percent of respondents said they have less than $1,000 in ... - iStock.com / RyanJLane")
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Kiplinger
![taxes_233644165_maxsattana]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlUNQY.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlUNQY.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlUNQY.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlUNQY.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg"} "taxes_233644165_maxsattana - maxsattana / Shutterstock.com")
![filing-your-taxes-early]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlPxpk.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlPxpk.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlPxpk.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlPxpk.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg"} "filing-your-taxes-early - Credit.com Blog")
![<p> Quora user Angela Recruiter <a href="https://www.quora.com/What-are-some-lifestyle-changes-that-save-money-2/answer/Angela-Recruiter"> writes</a>:</p><p> "When you are shopping and your heart leaps at the sight of xyz product, and you think it's love at first sight...WAIT. Save it, bookmark it. Come back to it hours later, then a day later, then days later and gauge, each time, how or whether your level of "pumpity-pump" interests stays the same, declines, etc. Never buy on impulse. Sleep on it. Ask yourself: Do you think it'll make you happy a month from its purchase? A few months? A year? Years?"</p>]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBy17AD.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=491&y=128"} "Quora user Angela Recruiter writes: \"When you are shopping and your heart leaps at the sight of xyz ... - Don Arnold / Stringer / Getty Images")
![shutterstock_553857748]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlPh9C.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg"} "shutterstock_553857748 - Tiko Aramyan / Shutterstock.com")
![Mortgage Interest Deduction]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlOHzj.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=931&y=770"} "Mortgage Interest Deduction - kroach/iStockphoto/Getty Images")
![]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlMNmv.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=737&y=251","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlMNmv.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=737&y=251","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlMNmv.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=737&y=251","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlMNmv.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=737&y=251"} "Provided by Gobankingrates")
![Home budgeting]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlMki7.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=988&y=745","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlMki7.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=988&y=745","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlMki7.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=988&y=745","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAlMki7.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=988&y=745"} "Home budgeting - shapecharge/E+/Getty Images")
![]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBy3ORE.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1089&y=285"} "Catherine Lall / Shutterstock.com")
![]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBy9htE.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg"} "PointImages / Shutterstock.com")
![Rawpixel.com / Shutterstock.com]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBya8Zg.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=511&y=1268"} "Rawpixel.com / Shutterstock.com - Rawpixel.com / Shutterstock.com")
![Happy businesswoman using laptop]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAdjgGg.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=931&y=1045","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAdjgGg.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=931&y=1045","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAdjgGg.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=931&y=1045","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AAdjgGg.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=931&y=1045"} "Woman smiling in office - Hero Images/Getty Images")
![man using towel to check oil levels in car]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxIgHm.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1165&y=502","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxIgHm.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1165&y=502","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxIgHm.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1165&y=502","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxIgHm.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1165&y=502"} "man using towel to check oil levels in car - SpeedKingz / Shutterstock.com")
![From Lattes to Manicures Why You Shouldnt Give Up Little Luxuries]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxZi6o.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg"} "From Lattes to Manicures Why You Shouldnt Give Up Little Luxuries - BlueSkyImage / Shutterstock.com")
![<p>There's no way around it: Raising kids - even just one! - is expensive. </p><p>The average American family pays over<a href="http://www.cnpp.usda.gov/tools/CRC_Calculator/default.aspx">$11,000 just in the first year</a>of a child's life, and nearly<a href="http://blogs.wsj.com/economics/2016/06/22/how-much-does-it-cost-to-raise-a-child/"> $250,000 by the time they're 18</a>. And while most of the incurred expenses prove worthwhile, not every toy, class, or experience warrants its price tag. </p><p>Business Insider asked parents with children of all ages to weigh in on the financial side of having kids. While they concluded that several expenses are <a href="http://www.businessinsider.com/kid-parents-worth-the-money-2016-12?utm_source=msn.com&utm_medium=referral&utm_content=msn-slideshow&utm_campaign=bodyurl"> well worth the money</a>, myriad others proved unworthy of the cost, from trendy gadgets to designer clothing.</p><p> Not every parent went into their reasoning, but every family is different, and it makes sense that every expense would be valued differently, too.</p><p> Below, we've anonymously included 13 things they say aren't worth spending on: </p>]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxZl3y.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=984&y=648"} "There's no way around it: Raising kids - even just one! - is expensive. The average American family ... - Cole Bennetts/Getty Images")
![<p>Retirement </p>]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AA7OyDJ.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1019&y=669"} "Retirement - Peathegee Inc/Getty Images")
![]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBy06sM.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBy06sM.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBy06sM.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBy06sM.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg"} "Branislav Nenin / Shutterstock.com")
![Global business and communications]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBy5bGf.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1812&y=948","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBy5bGf.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1812&y=948","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBy5bGf.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1812&y=948","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBy5bGf.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1812&y=948"} "Global business and communications - BrianAJackson/iStockphoto/Getty Images")
![]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxXSVo.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=651&y=263"} "George Rudy / Shutterstock.com")
![<p>Although President-elect Donald Trump has pledged to cut federal taxes, <strong>state taxes are rising across the U.S. as financially strapped states search for funds</strong> to repair deteriorating infrastructure and close widening budget shortfalls. In their search for revenue, states have targeted everything from e-cigarettes to lottery winnings.</p><p>Even Alaska, long a low-tax haven and one of our <a href="http://portal.kiplinger.com/slideshow/taxes/T054-S003-most-tax-friendly-states-in-us/index.html">10 most tax-friendly states</a>, is feeling the heat. Alaska currently has no income or state sales tax. But to offset a sharp decline in oil revenues, Gov. Bill Walker has proposed a 3% statewide sales tax, which he says is needed to close the state’s $3.2 billion budget deficit.</p><p><strong>Raising existing state taxes or imposing new ones could backfire if they lead to fewer taxpayers.</strong> Technology has made it easier for individuals and businesses to move to states—or countries—with lower tax rates, says Joe Henchman, vice president of legal and state projects for the Tax Foundation, a policy research organization based in Washington, D.C. “Everybody is under the gun to be more competitive, whether it’s government or the private sector,” he says.</p><p>Here are five states—including three already on <a href="http://portal.kiplinger.com/slideshow/taxes/T054-S003-least-tax-friendly-states-in-us/index.html">our list of the 10 Least Tax-Friendly States in the U.S.</a>—where residents will pay higher taxes in 2017. <strong>Take a look.</strong></p>]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxW8ci.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg"} "Although President-elect Donald Trump has pledged to cut federal taxes, state taxes are rising acros... - iStockphoto")
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8 Easy Ways to Organize Your Financial Life
U.S. News & World Report - Money
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30 Ways to Dig Yourself Out of Debt
GOBankingRates
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35 Secrets to Saving More Money in 2017
GOBankingRates
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7 ways to get organized for the tax season so you can get an early start on tax filing
Bankrate
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A brief history of the 401k, which changed how Americans retire
CNBC
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10 Places With the Highest Rates of Car Theft in the US
U.S. News & World Report - Money
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The 10 Best Places to Retire Overseas in 2017
U.S. News & World Report - Money
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11 Things to Do Now to Lower Next Year's Tax Bill
Cheapism
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7 Tools for Building a Better Retirement
U.S. News & World Report - Money
![With a new year comes a desire to get organized once and for all. This is especially important in one’s financial life, as you don’t want to miss bill payments, nor do you want to them pay twice. Plus, keeping your financial information neat and tidy makes <a href="http://money.usnews.com/money/personal-finance/taxes/articles/2017-01-05/5-signs-you-need-professional-tax-help">tax time much less painful</a> and can help you meet your savings goals.<br><br>Here are eight easy ways to organize your <a href="http://money.usnews.com/money/personal-finance/slideshows/10-financial-new-years-resolutions">financial life this year</a>.]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxWmDo.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxWmDo.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxWmDo.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxWmDo.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg"} "With a new year comes a desire to get organized once and for all. This is especially important in on... - (Getty Images)")
![<p>Many people fall into debt, ranging from mortgage debt to credit card debt. In fact, among those who have credit card debt, the median amount is about $2,000 while the median mortgage debt is $59,500, according to a recent <a href="https://www.gobankingrates.com/personal-finance/survey-debt-americans/">GOBankingRates survey</a>. </p><p>It's not difficult to find yourself in debt -- even if you stick faithfully to your budget and don't use credit cards for anything frivolous. Unforeseen life circumstances such as losing a job or unpaid time off due to illness can force you to use a credit card to pay for utilities and other necessities. And then there are the unexpected expenses: car repairs, healthcare costs or a new water heater.</p><p>If you're in debt -- especially if you're getting calls from creditors -- take action. Click through to see how you can <a href="https://www.gobankingrates.com/personal-finance/smart-strategies-out-debt/">get yourself out of debt</a>. </p>]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxV73q.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxV73q.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxV73q.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxV73q.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg"} "Many people fall into debt, ranging from mortgage debt to credit card debt. In fact, among those who... - Zivica Kerkez / Shutterstock.com")
![If you noticed a drop in your savings account balance this past year, you might be thinking about making a New Year's resolution to spend less in the coming year. After all, the most popular resolution for 2017 is to "spend less, save more," found GOBankingRates.com.Fortunately, there are ways to nip bad money habits in the bud. Click through to find out how to keep your New Year's resolution and <a href="https://www.gobankingrates.com/personal-finance/5-tips-build-emergency-fund-this-year/">save money throughout the year</a>. <br>]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxSIXH.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=617&y=107"} "If you noticed a drop in your savings account balance this past year, you might be thinking about ma... - Ollyy / Shutterstock.com")
![Man sitting on floor in living room and calculating bills]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/AA7VxuX.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1132&y=413"} "“It’s never too early to begin saving for retirement, whether you’re 21 or a thirty-something,” says... - Tetra Images/Getty Images")
![]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxTY0q.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg"} "Provided by CNBC")
!["smashed out car glass, many jagged little pieces. Rear window also smashed in, if you look closely."]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxH40z.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=829&y=739","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxH40z.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=829&y=739","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxH40z.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=829&y=739","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxH40z.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=829&y=739"} "\"smashed out car glass, many jagged little pieces. Rear window also smashed in, if you look closely.... - (Getty Images)")
![Moving to a new city can add adventure and inspiration to your retirement years.]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxTu3g.img?h=100&w=138&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1144&y=858","size1rowsize2column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxTu3g.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1144&y=858","size1rowsize3column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxTu3g.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1144&y=858","size1rowsize4column":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxTu3g.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg&x=1144&y=858"} "Moving to a new city can add adventure and inspiration to your retirement years. - Getty Images/Flickr RF")
![For most taxpayers, the immediate focus in the new year is probably on getting 2016 materials together ahead of the April rush. But it also makes sense to start preparing now for the 2017 tax year. These tips can help individuals and small-business owners lower their tax burden next year, avoid audits, and feel a little better about the whole process.<br><br><strong>Related:</strong><a href="http://www.cheapism.com/blog/strange-tax-rules-and-regulations-4135/">Strange But True Tax Laws From All 50 States</a>]({"default":"//img-s-msn-com.akamaized.net/tenant/amp/entityid/BBxTyZ9.img?h=64&w=85&m=6&q=60&u=t&o=t&l=f&f=jpg"} "For most taxpayers, the immediate focus in the new year is probably on getting 2016 materials togeth... - Alexey Kamenskiy/shutterstock")
