CullmanTimes.com - Cullman, Alabama

Business

January 1, 2013

7 resolutions for saving money in 2013

(Continued)

— Clip coupons for everything

We've talked about smartphone saving and the benefits of cutting coupons for everything. Whether you're receiving print coupons or downloading them from coupon sites such as couponsherpa.com, the savings add up if you're using them for your everyday shopping.

— Save more than you want to for retirement

Some of our most important saving tips deal with retirement, and the news is grim: Most people do not have enough money saved for retirement. Twenty-somethings, start saving now! Our favorite retirement statistic comes from Ameriprise Financial: If you invest $5,000 every year beginning at age 30 instead of 31, you will have $109,000 more in savings when you retire, assuming an 8 percent compounded annual interest rate. So get started in 2013.

— Play the points game to win

We interviewed Brian Kelly, The Points Guy, and learned that savvy spenders should not pay with cash. If you don't carry interest on your credit cards, you should be getting free flights and hotels a few times a year. Sign up for rewards credit cards that fit your lifestyle, and check out our interview with The Points Guy for all the must-do tricks to rack up points quickly.

— Keep your receipts

We were blown away when we read an investigation from Consumer Reports' advocacy division that found that eight out of 10 hospital bills contain pricing mistakes. The auto-pay world makes it easy to overlook mistakes and forget what you're spending. Check your receipts to eliminate errors and keep yourself on track.

— Auto-save and earmark expenditures

While automatic bill pay can hurt your budget, automatic savings are the pathway to success. Personal finance experts recommend setting aside a fixed amount for entertainment each month and dividing savings into different bank accounts. They also recommend automatically transferring a fixed amount from checking to savings at the beginning of each month. Have the bank do it for you, and you won't know what you're missing.

Text Only
Business
  • Facebook tests button to let people shop from its website

    Members on desktop computers or mobile devices can click a "buy" button to make purchases through advertisements or other posts on the world's largest social network, the Menlo Park, California-based company said Thursday in a blog post.

    July 18, 2014

  • WSCC HILL.jpg Hill hits the ground running at Wallace State

    Marcie Hill of Double Springs likes taking on new challenges. As an 18-year veteran of the education system, Hill has taught first grade, sixth grade and served as a reading coach to students and teachers in Kindergarten through sixth grade.

    July 16, 2014 1 Photo

  • VIDEO: A boom in firework sales

    This year could be quite the boom for fireworks sales across the U.S. According to the American Pyrotechnics Association, or the APA, sales are already off to a good start.

    July 3, 2014

  • Edward Jones Recognized as 2014 Most Valuable Employer for Military by CivilianJobs.com

    Local financial services firm Edward Jones in the Cullman-area was named a 2014 Most Valuable Employer (MVE) for Military by CivilianJobs.com, recognizing the firm's deep committment to recruiting, training and retaining military veterans as financial advisors.
     

    June 23, 2014

  • CRMC welcomes Harrison.jpg CRMC Welcomes Adam Harrison, DO to the Medical Staff

    Cullman Regional Medical Center (CRMC) is pleased to welcome Adam Harrison, DO to the Medical Staff. Dr. Harrison is originally from Cullman and graduated from Cullman High School in 2002. He obtained his bachelor of biomedical science degree from Auburn University in 2006, and attended Wallace State Community College prior to Auburn. He received his degree in osteopathic medicine in 2010 from Philadelphia College of Osteopathic Medicine Georgia Campus in Suwanee, Ga. He successfully completed an internship through Columbus Regional Medical Center in Columbus, Ga., in 2011. He will complete his residency through UAB Family Medicine in Huntsville, Ala.
     

    June 16, 2014 1 Photo

  • Deadly guardrails spearing drivers is whistleblower's crusade

    Harman is suing Trinity Highway and its Dallas-based owner, Trinity Industries Inc., alleging that it made quiet design changes that transformed guardrail systems across the U.S. into potentially deadly hazards.

    June 12, 2014

  • google-seo-search-results-screenshot.jpg Your new boss is going to Google you, so make sure she likes what she sees

    This is what a professional online reputation management "campaign" looks like: four people — one patched in via video — around a conference room table, jotting notes on laptops, carefully examining every trace of a client's digital existence and plotting a strategy to improve it.

    June 11, 2014 1 Photo

  • Merchants Bank promotes 1.jpg Merchants Bank promotes four officers

    The Board of Directors of Merchants Bank of Alabama, a community bank since 1907, recently announced the promotions of four key officers.
    Kerry Hanvey was promoted from vice president of retail banking to senior vice president of operations. Kerry joined the bank in 1992 and has served in various positions over this 22- year period. Kerry is responsible for bank wide operations for the five bank offices.
     

    June 11, 2014 4 Photos

  • Chamber's June Small Biz of Month.jpg Chamber's June Small Business of the Month winner

    The Cullman Area Chamber of Commerce recently awarded their Small Business of the Month award to Quick Tire Sales of Cullman. The award is given monthly to a local small business that meets nomination requirements. Victor Quick of Quick Tires Sales was thrilled for their business to be selected for this honor.
     

    June 11, 2014 1 Photo

  • $15 minimum wage puts Seattle in uncharted waters

    Depending on which pundit is nattering away, this means Seattle is either going to fall off the map and become a "Mad Max"-style economic wasteland or transform into an egalitarian utopia that inspires sweeping pro-labor activism nationwide.

    June 9, 2014