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These smart moves can help you save at Kohl's, a destination for frugal shoppers.

By Cheapism.com 15 minutes ago
This post comes from Raechel Conover at partner site Cheapism.com.

Cheapism.com on MSN MoneyWith school starting and the seasons changing, now is the time to start turning over your closet and getting the house ready for fall. This needn't be a costly endeavor, especially if you patronize the regular frugal haunts.

People leave the Kohl's Department store in Waukesha, Wisconsin © Morry Gash/APThe following tips and tricks can help maximize your savings when shopping at Kohl's.

Sign up for a Kohl's credit card. If you can handle a credit card judiciously -- that is, pay it off every month -- the Kohl's Charge Card is a good way to go. Kohl's frequently rewards cardholders by mailing coupons worth discounts of 15, 20, and 30 percent. In fact, the coupons arrive with such frequency that you should not have to shop without one. Even non-cardholders receive mailed coupons, just not as often or for as much of a price cut.
 

Residents of the biggest state carry the biggest debts, according to a new study.

By Credit.com 25 minutes ago

This post comes from Christine Di Gangi at partner site Credit.com.


Credit.com on MSN MoneyAlaskans have consistently carried high credit card balances for the past few years, possibly due to the high cost of living in the state.


According to data from the Experian-Oliver Wyman Market Intelligence Reports, sorted using Experian's IntelliView tool, only Alaska residents have carried an average credit card balance greater than $2,000 in the past three years, making it consistently the state with the most credit card debt.


Credit cards © CorbisAlaska is a bit of an outlier, with its average debt of $2,299 per card in the second quarter of this year -- the rest of the states carry an average balance between $1,366 and $1,817 -- but even with high balances, Alaskans followed d the national trend and reduced that balance over the past few years.


Here's how other states compare:

 

According to a new survey by WisePiggy.com, men use their smartphones much more than women to manage their finances.

By QuinStreet 49 minutes ago

This post comes from Peter Andrew at partner site WisePiggy.com.


Wise Piggy on MSN MoneyDo you find that the strangers sitting next to you on planes, in diners and at sporting events are always using their smartphones to tweet, send texts and emails, update Facebook, or play Angry Birds? Well, it turns out that -- mostly when they don't have a nosy neighbor looking over their shoulders -- they're also using their devices to do something else: Monitor and manage their money.


Portrait of various smartphones © Jeffrey Coolidge/Getty ImagesThe popularity of smartphones as a tool for controlling personal finances was the key outcome of a survey recently commissioned by WisePiggy.com. A sample of 2,000 American homeowners, all of whom were age 25 or older and married with children, participated. Half were men, and the other half -- you'll never guess -- women.

 

Nearly half of family caregivers spend more than $5,000 a year, plus caregiving affects their jobs and retirement plans.

By MSN Money Partner 20 hours ago

This post comes from Krystal Steinmetz at partner site Money Talks News.

 

Money Talks News on MSN MoneyCaring for an aging loved one can take a toll physically and emotionally. But it also has a significant impact on your pocketbook, employment and retirement plans.


Family caregiver helping senior in wheelchair © Terry Vine/Getty ImagesAccording to a new survey from Caring.com, 46 percent of family caregivers (people who take care of a friend or relative for free) spend more than $5,000 a year to care for a loved one, and many people spend much more. Caregiving costs, including medical bills, medications, in-home care and sometimes nursing homes, really add up. Caring.com wrote:

"Caregiving can be a startlingly expensive endeavor that most people aren’t financially prepared for," said Caring.com CEO Andy Cohen. "But yet only 3 in 10 caregivers have spoken to their loved ones about how to pay for care. Having an open and honest conversation about finances is a sensitive, but necessary discussion to have."

Caregiving can also impact current employment and future retirement plans. Because of the amount of time required to take care of their loved one, one-third of those surveyed said they devote at least 30 hours per week to caregiving, and 50 percent of caregivers said they had to change their work schedule, they miss work or they often show up late or leave early. Sixty percent of survey respondents said their caregiving duties have a negative effect on their job.

 

Counterfeit goods are big business, not just in the U.S., but around the world. Here's how to figure out what's authentic and what's not.

By MSN Money Partner 23 hours ago

This post comes from Allison Martin at partner site Money Talks News.


Money Talks News on MSN MoneyYou've searched for the perfect designer purse or electronic gadget for your significant other. It arrives just in time for the special occasion, but you're disappointed by the quality.


The item is a fake, the retailer is nowhere to be found, and you're out hundreds of dollars. What's a consumer to do?

 

A new survey on driver distractions and safety reveals what annoys motorists most.

By QuinStreet 23 hours ago

This post comes from Mark Chalon Smith at partner site CarInsurance.com.

CarInsurance.com on MSN MoneyMen are more bothered than women by other drivers who talk on their phones but lane cutters irk the ladies more than guys, according to a survey by Progressive.


Older driver © Corbis

Progressive surveyed 1,700 people nationwide about their driving habits and also about their pet peeves when it comes to other motorists' unsafe (and often illegal) behavior behind the wheel.


The insurer, which says it conducted the survey to raise awareness about safe driving habits, found these driving behaviors by others bothered men and women as follows:

 

United Airlines is offering workers up to $100,000 to walk away from their jobs. Would you say yes?

By MSN Money Partner 24 hours ago

This post comes from Maryalene LaPonsie at partner site Money Talks News. 


Money Talks News on MSN MoneyUnited Airlines is flashing some cash in the hopes of persuading at least 2,100 of its senior flight attendants to stop flying the friendly skies.


Unemployed man © Rubberball/JupiterimagesThe company's buyout proposal would put up to $100,000 in the hands of attendants who agree to part ways with the company. The airline is just the latest big company to use a buyout proposal to reduce costs and downsize their workforce. GM, for instance, used a buyout to shed 35,000 workers back in 2006.


Buyouts can be a win-win for both the company and workers. Employees get a tidy sum to fatten their bank accounts, while the company can eliminate high-paying senior positions in favor of hiring new workers at entry-level wages. In United's case, it's expected to allow the company to also call back 1,450 furloughed attendants.


Still, taking a buyout is no no-brainer. Here are some of the pros and cons of walking away with the money:

 

The Fed's latest statement confirms that it won't be coming to the rescue of depositors soon, but these institutions are worth following anyway.

By QuinStreet Wed 4:11 PM
This post comes from Robert Beaupre at partner site MoneyRates.com.

MoneyRates.com on MSN MoneySince the Great Recession, the U.S. economy has seemed to change direction as often as the wind. But at least one trend has stood throughout this period, much to the dismay of savers everywhere: historically low deposit rates.


After recent speculation that the Federal Reserve may raise rates – or at least signal new intentions to raise rates soon – the Fed today reiterated its commitment to low rates in the statement from its latest meeting.


For depositors, these words confirmed that the era of abysmally low rates on savings accounts, money market accounts and certificates of deposit will remain for the foreseeable future.


“The Fed’s low-interest-rate policy has been a boon to borrowers, but devastating to people who have seen the interest on their savings wiped out,” says Richard Barrington, CFA, senior financial analyst for MoneyRates.com.


Yet not all hope is lost for savers.

 

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