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River Luce is doing well at something he loves. He placed first and third at the recent United States Tumbling and Trampoline Association event in West Virginia. This is his third year in gymn…

Farm Credit Illinois recently hired Lynette Moyer, of Watseka, as a sales and service specialist in the Watseka regional office. The Watseka office serves farm families and rural landowners in Iroquois and northern Ford counties, according to a news release.

Kentland Bank’s President Kirby D. Drey announced that Christopher J. Both has joined Kentland Bank as vice president and loan officer.

SPRINGFIELD — While marijuana consumption and possession will become legal for Illinois residents over 21 years of age starting Jan. 1, 2020, consumption in public places will still be prohibited and local governments will maintain control as to whether the industry can conduct business within their jurisdictions.

I have the good luck to spend part of the winter in Arizona, specifically Cave Creek, a small town located ten miles north of Phoenix. There’s only one major thoroughfare, the four-lane Cave Creek Highway, which is essentially Main Street. It runs into Carefree, a city of similar size, but i…

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By Laurence Jankelow, cofounder at Avail

Whether you've owned your two-flat duplex for years or you're trying to decide whether real estate is the right addition to your portfolio, it's important to think of rental property as an investment. Like any investment, your goal should be to maximize returns.

You don't need to predict which neighborhood in town is about to see skyrocketing home values. Instead you should buy a property that has a lot to offer tenants – over time, sustained revenue from rentals is a savvy way to earn money.

Once you have the property, you'll need to know how to manage it successfully, from repairs to tax payments. In this post, I'll outline four strategies to help you maximize your ROI.

1. Take the Time to Invest Wisely

When looking for an investment property, it's important to consider its location, amenities, and construction quality. You should also look for a property that's already fully rented. I...

Using LLCs for Real Estate Investing

Is An LLC Right For You?

Real Estate Investment Trusts 101

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Even though retiring is the furthest thing from the minds of most twenty-somethings, you need to invest sooner, rather than later for one reason – you have an advantage over everyone else: time. Time to let your money grow exponentially. There is a reason Albert Einstein is credited with calling compound interest "the 8th wonder of the world." It can work either for you or against you. Those who understand it, earn it. Those who don't, pay it. Let me elaborate.

To understand truly how time affects money, let's look at Einstein's Rule of 72. This rule shows how long it will take to double your money, based on an anticipated interest rate. It's really easy to figure out and super-important to understand. In my opinion, it's one of the most important things to learn and apply throughout your life. For example, if you were to earn a 4% return on your money, it would take 18 years to d...

Why Your Children Need Their Own Roth IRA Now

Retirement Savings Better Than Ever

Baby Boomers Not Ready For Retirement

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Congratulations! You've made it through college and are looking forward to using your new skills in the real world. Here's our gift to help you start your journey – a copy of your credit report.

If you aren't familiar with your credit report and how it works, now's the time to check it out.

Your credit report is a collection of all of your borrowing activities. Whenever you borrow money and make payments (or miss them), your creditors report that information to the three major credit reporting agencies (TransUnion, Experian, and Equifax). If you have part of America's nearly $1.5 trillion in student loans, your repayment record will show up here. Your future credit cards and loans will show up here, too.

The credit reporting agencies use your credit report information to calculate your credit score – a single number between 300 and 850 that tells creditors how risky it i...

5 Credit Tips For New College Grads

Five Fun Financial Facts: College Graduation - #1

Student Loan Refinance Can Save You Thousands

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Congratulations! You've just finished paying off your mortgage – probably the largest debt you'll ever have in your life. Should you expect your credit score to increase as a result? Not necessarily.

Your credit score is calculated from your credit report, a history of all of your borrowing and payment activity. While your mortgage was probably a huge part of that history, it's just one part. Credit reports also consider other installment loans, your credit card payments, and any payments for non-borrowing related charges (like cable or utility bills) that have gone into collections. Every account matters and contributes to your credit score.

Consider the factors that go into calculating a credit score, starting with payment history – the most influential factor. Mortgages require regular payments for a long time. With those payments removed, that's one less regular payment that proves you...

How To Accelerate Mortgage Payments

Video: When To Accept Mortgage Prepayment Penalties

Understanding Mortgage Prepayment

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Welcome to parenthood! You are a proud new father, simultaneously overjoyed and terrified. Since you are now responsible for another human being, you should know that the estimate of what it will cost to raise your child is approximately a quarter of a million dollars, without accounting for inflation. If you would like to send him or her to college, you will probably need at least that much more.

A 2017 report from the U.S. Department of Agriculture (USDA) estimated the cost of raising a child from birth to age 17 at $233,610 ($284,570 adjusted for inflation). That is for the average middle-income couple; costs ranged from families in the Northeast that will spend around $264,090 to residents in the urban Midwest and rural regions who will spend about $227,400 and $193,020, respectively.

Unfortunately, that figure is not likely to drop, and inflation-adjusted w...

How People Spend Money On Father's Day Gifts

6 Best Buys For Father's Day

Cost of Raising a Child

If you’ve ever been a pet parent you know animals love to explore and taste just about everything in their path. Unfortunately, there are things at home that our furry friends shouldn’t eat. In fact, according to the ASPCA in 2018, the Animal Poison Control Center (APCC) received an average of 1,200 calls daily and assisted 266,554 animals.

According to the Oxford Dictionary, a boundary is defined as “a line that marks the limits of an area.” In more straightforward terms, it’s the line you clearly draw so that others know not to cross it. Boundaries are essential to healthy relationships, whether that’s among friends, within the workplace or in a romantic partnership.

Root canals and comedy clubs. It’s true that one is significantly more pleasant than the other, but they share the same goal: To put a smile on your face. There is another commonality. Both are among the patient services at Brockport Smiles, a dental office with a fresh approach to patient care and oral health.

National Videos

Democrats get go-ahead to probe president's finances in lawsuit WASHINGTON - Donald Trump lost a bid to halt a lawsuit brought by 201 congressional Democrats who want a Washington federal court to require that the president seek approval from lawmakers before he accepts any financial benefits from foreign governments. In a pair of orders issued Tuesday, U.S. District Judge Emmet Sullivan ...

This was bound to happen. That's because there have been reports about the Houston Rockets' interest in 76ers swingman Jimmy Butler for a couple of weeks now. The Western Conference team is interested in acquiring the four-time All-Star after free agency begins at 6 p.m. Sunday. One problem: they don't have enough cap space to offer the Houston native a maximum salary contract. The Rockets ...

WASHINGTON - Stacey Abrams urged members of Congress to bolster federal voting protections on Tuesday, six years to the day after the U.S. Supreme Court nullified key sections of the 1965 Voting Rights Act for being outdated. The Democratic runner-up for Georgia governor said the court's 2013 ruling in Shelby County v. Holder opened the door for states such as hers to institute a plethora of ...

WASHINGTON - Rep. Devin Nunes is demanding through a lawsuit that a Republican political strategist turn over her tax returns and every statement she's made about the California congressman in the past year and a half. Liz Mair, the political strategist, described Nunes' request Tuesday in a series of social media posts. Nunes is suing her in a lawsuit that also targets Twitter and two parody ...

Karen and Erich (Bohlmann) Borgers of Woodworth will celebrate their 50th wedding anniversary with an open house from 2-4 p.m. July 6 at St. Paul’s Lutheran School Multi-Purpose Room. (108 W. Woodworth Road, Milford, IL 60953). They were married July 4, 1969, at St. Paul’s Lutheran Church in…

Five children entered the 2019 Lil’ Mr. & Miss Firecracker contest. This year’s contest consisted of a coloring contest for area children ages 3 through 7, according to a news release from the Watseka Area Chamber of Commerce.