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Covering college costs

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High school seniors and returning college students should complete their federal student loan applications and begin applying for scholarships as soon as possible, according to recommendations from local student advisers.

Ideally, students should begin filling out the FAFSA (Free Application for Federal Student Aid) by mid-January, said Kristina Klemens, a financial aid counselor at the University of Wisconsin-Parkside.

“We recommend doing it as early as possible, because some schools, especially private institutions, may have limited funds available to give out.”


Scared of outliving your savings?

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NEW YORK — When faced with the prospect of outliving their money, most people might toss and turn at night or obsess about where to slash their budgets.

Others have a more extreme reaction: wishing for early death.

Top ways to save more in 2015

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You’re always looking for new ways to save. That’s why ShopSmart, the shopping magazine from the publisher of Consumer Reports, is always on the hunt for great bargain-snagging strategies.

ShopSmart offers these tips:

Six home organization tips

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You don’t have to be a hoarder to feel overwhelmed by the prospect of an organized home. For most of us, an environment where every paper is in its place is nothing more than an elusive fantasy.

Here are some simple tips on how to get organized in 2015:

Wall Street’s new year

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NEW YORK — Can the U.S. hold everyone else above water? That is the question investors are asking as Wall Street heads into 2015.

A strong U.S. economy helped propel the stock market higher in 2014, continuing a bull market that is on pace to celebrate its sixth birthday in March. On more than one occasion, investors dumped stocks following geopolitical flare-ups and concerns about the global economy, only to jump back in when an economic report or results from a big company suggested the U.S. economy was still resilient.

Holiday tipping: Who gets paid and how much

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Tipping a service person is illogical if you stop to think about it. Why would rational people voluntarily pay more for a service than they must?

Tipping is not as rampant in other countries as it is in the United States. And besides, who carries cash anymore?

4 things to consider when choosing a new cellphone

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NEW YORK (AP) — Now is a good time to get a smartphone. The latest devices hit shelves in time for the holiday shopping season, and there’s likely to be a lull in new releases until next spring. So why wait?

Here are some things to consider before hitting stores. If you’re upgrading from an older model, you can skip the first part aimed at first-time smartphone buyers.

5 Spot: Should you buy snow tires?

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When it’s wintertime, and the driving isn’t easy, are you better off with snow tires?

Winter tires are not suited for non-winter conditions, as they wear more quickly than all-season tires and don’t perform as well on dry or wet pavement as all-season or summer tires. Therefore, if you have cold winters but generally drive on dry or plowed streets, you may be better off with all-season tires.

Holiday wish list: Local service agencies seek donations

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The holidays are a time for giving. As we have done in previous years, the Kenosha News has requested “wish lists” from local agencies that support our community so our readers will have an opportunity to extend their gift-giving to include these fine organizations. So if you have the means, open your heart and your wallet to make their holidays a little brighter. If you intend to drop off your donations, call first for hours.

9 things for shoppers to watch this holiday season

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Halloween? That’s done. Now the holiday shopping season kicks into high gear. So, what’s hot this year? And what changes should shoppers expect during the busiest time of the year? Here are nine things to watch:

Will shopping on Thanksgiving creep into late afternoon this year? Most retailers held off until 6 p.m. or later last year, but with Macy’s opening at 6 p.m. on Thanksgiving Day, two hours earlier than last year, some others may edge up to 5 p.m. or even 4 p.m.




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