Finance articles
Showing page 38 of 44 - There are 1319 Finance articles
-
- 2007-11-13 22:16:19 - Structured settlement ? guaranteed income for those with disabilities
- Up until twenty years ago, anyone who won a lawsuit as a result of a claim involving worker's compensation, wrongful death or accident had to accept a lump sum payment as their compensation. The payment would be intended to be invested, with the beneficiary living off of the proceeds for as long as their recovery was expected to take. In many cases, this type of settlement works fine, but in other...
-
- 2007-11-13 22:16:19 - The cost of not having money
- The self-esteem factor of not having enough money is underestimated. You know what I mean don't you? The agony of financially struggling and the ecstasy of financial abundance are dramatically different moments in a person's life. And I for one would choose the abundance over the struggling any day.A particular emotional challenge structured settlement and annuity recipients face is the dil...
-
- 2007-11-13 22:16:19 - When should you not cash out your annuity?
- You should not cash out your annuity when it's not in your best interest. Here are 3 reasons it might not be in your best interest; it's too soon, you don't have a good enough reason, it will cost you too much. Every day someone cashes out their annuity or settlement when it might not have been in their best interest. It's an easy mistake to make when the call of money and burden of financial stre...
-
- 2007-11-13 22:16:19 - A revolutionary fundraising opportunity -- life settlements
- Amid fundraisers' growing concerns about the current charitable giving climate, dampened by the erratic stock market and shaky economy, a new fundraising opportunity has emerged ? Life Settlements.What is a Life Settlement? A Life Settlement is the sale of an existing life insurance policy for a lump sum of cash that is more than the cash surrender value. A life insurance policy is property...
-
- 2007-11-13 22:16:19 - Consider a structured settlement?
- Structured settlements have been around for a long time however their popularity has steadily increased over the past 6 years. In 1999 only 7% of insurance settlements that were under $7,000 were completed as structured settlements. While we don't have hard data for the current year, the number is much higher now.Because of the fast increase in popularity of using a structured settlement as...
-
- 2007-11-13 22:16:19 - Offshore asset protection trusts for us citizens
- When it comes to discussing offshore anything and US citizens - from offshore trusts to investments, from offshore banking to company incorporation - it's important to note the following facts: -- US citizens are taxed on their worldwide income. This includes income from interest, dividends and gains whether onshore or offshore.- The US government allows money and assets to be moved ...
-
- 2007-11-13 22:16:19 - Structured settlement as an investment vehicle
- You always hear people talking about the latest investment vehicle they're using. It's water cooler talk, dinner table talk, phone talk, it's everywhere talk. People are always looking for a way to invest their money that might be a little 'different' from what others are doing. Buying a structured settlement is one of those options.A structured settlement is where one party is awarded an a...
-
- 2007-11-13 22:16:19 - How to form a uk limited company
- When starting a business, a large number of people go down the route of forming a limited company or, to give it its full title, a limited liability company.The alternative for someone starting up in business on their own is to trade as a sole-trader. There is less formal paperwork involved in going into business as a sole-trader, but a limited company can offer a number of advantages. Thes...
-
- 2007-11-13 22:16:19 - The cash now question
- If you have ever been in a bind for cash you know the stress, the weight of not being able to pay your bills. In these desperate times, desperate measures are often taken. Expensive loans, overused credit cards, and a snowball of events quickly complicate your financial position. Once the collectors begin their relentless pursuit of your sanity, the road to financial prosperity seems a million mil...
-
- 2007-11-13 22:16:19 - A structured lawsuit settlement seemed like a good idea at one time
- You are receiving payments spread out over months, years, even a lifetime. It's great when the money arrives but the payments are often too small or too spread out to really satisfy your needs. Careful research could yield more of your cash faster. There are some half dozen financial institutions with the knowledge and resources to effectively advance your future lawsuit payments.While the...
-
- 2007-11-13 22:16:19 - Options for lawsuit settlement winners receiving periodic payments
- On January 22,2002, President George W. Bush signed into law a bill that protects individuals who must sell their structured settlement payments to meet unplanned financial needs. H.R.2884Victims of Terrorism Tax Relief Act of 2001 (Signed by the President January 22,2002)) Under a structured settlement, a lawsuit plaintiff will not receive compensation in one lump sum but will receives...
-
- 2007-11-13 22:16:19 - How to obtain a non chexsystems bank account without being scammed
- Predatory lending exists in the mortgage industry. It's typically when a mortgage broker add's on unnecessary fee's to a bad credit application, because he or she knows that the applicant is in a desperate situation.Predatory banking can also exist for those who have ended up in the ChexSystems.ChexSystems is a network of financial institutions (mainly banks) that regularly contribut...
-
- 2007-11-13 22:16:19 - Personal finance ? why you should compare, not despair
- Sorting out your personal finances can be a tricky and exasperating time. Whether you are looking to obtain money through a loan, protect your finances with life insurance, medical, travel or car insurance, save some money through an individual savings account (ISA), apply for a credit card or a mortgage, change a telephone or fuel utility supplier, or simply decide what the best current account i...
-
- 2007-11-13 22:16:19 - Simple ways to save money
- Things are so expensive these days. We seem to be hearing, and saying, that a lot lately at the gas pump, in the grocery store and especially when paying bills. But there are simple ways to help save money without making sacrifices in your lifestyle. Small savings can turn into large rewards for little effort.Start with the small things. Eat out less, stay home more often. Invite your frien...
-
- 2007-11-13 22:16:19 - If all things are possible, why cant i balance my checkbook?
- For me, the most terrible time of each month is the day our bank statement comes. We commonly call it BSS (Bank Statement Syndrome). I don't know why it is, but I have trouble getting the parsonage checkbook to balance with the monthly bank statement.That ominous document intimidates me every time it arrives. After all, the bank's business is keeping track of accounts. They have hundreds, m...
-
- 2007-11-13 22:16:19 - Personal finance - have consumers had a belly full of personal debt?
- For months, we were trigger-swipe happy, putting our groceries, clothes, holidays and service charges on our credit cards. We wanted mortgages, we took out loans, we watched Property Ladder and What Not To Wear. Whether you were born middle class, had middle class aspirations, you became middle class through your spending. Debt united people around the UK, we sympathised with each other on what we...
-
- 2007-11-13 22:16:19 - Help with my annuity
- The cries are heard from the distance, "I need help with my annuities." Nothing has changed...just a lonely senior who can't trust anybody with her annuity because every time she asks for advice, someone tries to make her invest in a different annuity...Sound familiar? Well you are not alone.Often times when speaking to a senior about their annuities, I ask them their biggest complaint. Tim...
-
- 2007-11-13 22:16:19 - Save your money, dont give to charity scammers
- **If it's Spam, it's a Scam!- If it sounds too good, if it shows up in your bulk folder or your spam folder - don't touch it, just delete it**Check out the charity- You can find some charity info at the BBB site www.give.org** There is no deadline to give- Take you time. Charities don't have deadlines, but scammers do to stay under the radar. Tell them you will t...
-
- 2007-11-13 22:16:19 - Ways to save energy and slash electricity bills
- 1. Lighting & Light Bulbs Install low energy light bulbs in rooms you use regularly ? they last up to 15 times longer than a normal light bulb and provide the same lighting for a quarter of the running cost. Turn off the lights when you leave a room for a long period and don't use several light bulbs where one will do the job. Teach all family members to turn off lights when leaving a room....
-
- 2007-11-13 22:16:19 - Why we are never satisfied with what we have
- I have to admit, I do it too. I complain. Seek better. Complain again. Ridiculous cycle. It's more of a condition really. A humanity disease, I think we are born with it. It is almost as physical and useful as a regular appendage. Don't get me wrong, being dissatisfied with here, has got us all to a lot of great theres. Otherwise America would still be in dreary old England and we wouldn't have th...
-
- 2007-11-13 22:16:19 - If i had a structured settlement, i would use it to pay for gas
- Has anyone been to the gas pumps lately? Soon $3 a gallon will be the asking price and we'll either have to become cyclists or create some additional income. I plan to do both of course because you can balance thrift and greed pretty well as you ride your bike to work.I only live a few miles from my place of employment so riding my bike there is no big deal. I've already made a few practice...
-
- 2007-11-13 22:16:19 - Should you borrow from your 401(k) account?
- If you have a 401(k) account, it can be very tempting to borrow from your account especially when your balance is very high and a loan could easily pay off existing debt, fund a home purchase, or pay for college tuition. Before you make the decision to borrow money, there are several things you must keep in mind to avoid risking your funds.Borrowing from a 401(k) can seem like a risk free l...
-
- 2007-11-13 22:16:19 - Vesting and your 401(k)
- Do you have a 401(k) retirement account? Are you vested yet? Before you move on to your next job, it is critical for you to find out if you are fully vested in your retirement account before you make the move. If you are not, you could lose hundreds if not thousands of dollars in employer contributions.Vesting refers simply to the non-forfeitable percentage of your account's assets. In othe...
-
- 2007-11-13 22:16:19 - What happens if you die without making a will
- If you die without making a Will in the UK, the state will decide who gets what and how much, so those who you would want to benefit may get far less than you hoped.Your estate (your property and all belongings) are frozen and become subject to the law of intestacy. You are said to have died 'intestate', meaning everything you own will be valued, tax paid at 40% if worth more than Ã...
-
- 2007-11-13 22:16:19 - Reduce college debt with scholarships
- Six Scholarship judges were sitting around an oval table. Forms were piled into 50 boxes. Each one had the name of a state. I looked at the boxes and wondered why some of them were overflowing and others had just a few. This was the first round of judging. By the time the contest was over almost 16,000 applications would be examined. Some of the comments were really critical, "Why did this person ...
-
- 2007-11-13 22:16:19 - Live green; save green!
- Have you seen the recent article on a new "green" residential high rise in Battery Park? It's called The Solaire. For a look at the hopeful future of architectural efficiency, check out the myriad of cost saving and environmentally-friendly features of the building:http://www.batteryparkcity.org/concept/greenThe article got me thinking of ways to help you personally benefit...
-
- 2007-11-13 22:16:19 - Do you know what tomorrow will bring?
- I've been sharing the following idea with people for a few years now, and realized recently that I had never written specifically about it. So here it is:"I cannot predict the future."That may seem simple enough, and it's certainly accurate, yet for many advisors, this edict is completely disregarded. How many times have you heard someone say, "I know," when what ...
-
- 2007-11-13 22:16:19 - Is there a retirement crisis?
- When people speak about the increasing age expectancies, they generally do so with positive connotation. This author agrees-there's nothing wrong with living longer, especially if we can sustain our quality of life at each period throughout our lifespan. The problem, then, is not that we are living longer-it's that we are not planning for it.When our social security system first began makin...
-
- 2007-11-13 22:16:19 - Budgeting before buying
- With interest rates being at an all-time low, I can understand the urgency for people wanting to purchase a home. But I caution the first-time home buyer to learn how to budget their money before buying a new home.I happen to live in a state with one of the highest foreclosure rates in the country. I was so shock to learn that many people loose their homes within the first couple of years. ...
-
- 2007-11-13 22:16:19 - How to choose wisely a credit card
- So, you've made the decision to apply for a credit card. It's an important step for any consumer. Whether this is your first application in an effort to establish your credit, an addition to your existing credit card portfolio, or a plan to re-establish unsatisfactory credit, it is critical to research and fully understand the plans associated with various types of credit cards.Before begin...