Today's Number: 19

        Percentage of Americans who rate the economy as poor in the most recent Gallup Poll.

— The Cincinnati Enquirer

Today's Mover

        Paul A. Barth has been named vice president and manager for Midwest Payment Systems, Fifth Third's electronic payment processing subsidiary. Mr. Barth joined Fifth Third Bank in 1985. He earned a bachelor's degree in business management from Northern Kentucky University.

— Shirley Dees

Today's Money Tip

        You don't have to wait for Social Security's full retirement age — gradually increasing to 72 over decades — to start receiving payments. But early collection may cost you. You'll get smaller payments for life, with each check permanently reduced by as much as 30 percent.

— Amy Higgins

Today's Career Advice

        Saving cash for a business is a sometimes complicated exercise. But it does not have to be, says Juliette Fairley, author of Cash in the City: Affording Manolos, Martinis and Manicures on a Working Girl's Salary. “It can be as simple as setting aside an envelope on your dresser or underneath your pillow,” she says. “Put inside whatever cash you have left over at the end of the day. You'll be surprised at how fast you can accumulate $100. Set aside envelopes for each short-term goal.”

— John Eckberg

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