Finance articles
Showing page 40 of 44 - There are 1319 Finance articles
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- 2007-11-13 22:16:19 - How to protect yourself against identity theft
- Identity theft is a serious crime that continues to grow. If you become a victim of identity theft, you may spend months, or years, trying to repair the damage. A compromised credit report can ruin your chances of getting a new job, a loan, insurance or even housing. It's true that it is possible that you could be arrested for a crime you didn't commit if someone else has used your identity to bre...
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- 2007-11-13 22:16:19 - What is chexsystems?
- Commonly referred to as the first of the three major "Check Systems" in the U.S., Chex Systems is an association of financial institutions that network together in order to develop a database that maintains the records of mutually unwanted customers. To make sure that only financially responsible individuals open up checking accounts at member institutions, these banks report on customers who demo...
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- 2007-11-13 22:16:19 - Budgeting made easy
- Well, dang! From what I've heard and read, it looks like we've reached an all-time world-class new record in the amount of personal debt on the books. Now it's probably not quite as bad as we've been led to believe, however many of us have managed to tromp further than we should have into the financial swamp. How well we'll be able to find our way back out to dry ground will depend on our knowing ...
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- 2007-11-13 22:16:19 - 10 quick and cheap ways to cut your heating bill
- When you received an energy (heating) bill last winter, were you afraid to open it? Granted that we have a home with a lot of really big windows, but we saw energy bills last winter in the hundreds of dollars. Your bill probably wasn't that bad but I'm guessing that it was a lot higher than you would have liked.The good news is that there are some inexpensive things you can do to cut that c...
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- 2007-11-13 22:16:19 - Bankruptcy laws get tougher - more expensive
- If you've been thinking about filing for bankruptcy, your best bet might be to file now.A new bankruptcy law takes effect in November that will make it harder and more expensive for most families to file for bankruptcy and discharge their debts.The major result of the new law is that fewer people will be able to file for Chapter 7 Bankruptcy and will be forced to file for Chapter 13 ...
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- 2007-11-13 22:16:19 - Family money management: the importance of agreement
- Are you having problems with debt? Are you afraid to answer the phone because it may be an angry creditor calling? Do you have problems getting from one paycheck to the next? The simple answer is that you need to budget. But for that budget to work, both you and your spouse need to be in total agreement.If one of you loves to shop and doesn't worry much about credit card debt while the othe...
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- 2007-11-13 22:16:19 - Adverse debt levels blight uk consumers personal finances
- Debt levels are at an all time high in the UK. The younger generation tend to be feeling the pinch the most, but parents are increasingly being required to bail them out, often at great expense to their own limited mortgage or retirement savings.It has become almost accepted as a fact of life that graduates will begin their careers with a considerable level of personal debt. The Association...
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- 2007-11-13 22:16:19 - Knowing me, knowing you: why id protection plans are flawed for fraud
- ID theft is a major consumer concern, though there is apparently much confusion about proactive protection initiatives and apparently safe and unsafe spending behaviour. For example, many consumers remain reluctant about shopping online, but they may still give out personal details over the phone in a cold call, or they may have redundant or dormant accounts and financial products which are suscep...
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- 2007-11-13 22:16:19 - Car donations and used car donations
- Car donations and used car donations are the way many people choose to recycle their older model cars without having the headache of repairing, advertising, showing, and hopefully then selling them. Being able to get rid of an older car and at the same time gaining the benefits of charitable giving and a tax deduction are all part of the allure of used car donations. Car donations are becoming mor...
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- 2007-11-13 22:16:19 - A quck lesson in saving money
- Did you have a piggy bank when you were a child? I did. Mine sat empty for a long time until my mother convinced me that I should really start putting my pennies and nickels into it in order to save my money for when I was older and wanted to buy something.So, I did. I had about forty cents on me from the sale of some baseball cards to one of my friends (probably a Reggie Jackson Rookie Car...
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- 2007-11-13 22:16:19 - 10 tips to make sure your financial budget will succeed
- You've analyzed your past expenses, put them into spreadsheets, loaded Quicken with all of your data and come up with a budget. Now what? The tough part! You actually have to stick to your budget and put your plans into action. This is easier said than done. In many cases you will have forgotten about your budget and your financial goals 6 months or a year down the road. How do you keep this from ...
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- 2007-11-13 22:16:19 - Personal checks ? extreme benefits
- Millions of people have a checking account and many people have two of three. They have the choice of choosing a variety of check designs to compliment the checking account. The styles range from solid color checks to more intricate designs that reflect the personality.Why would someone decide to spend just a little bit more money when they can buy the cheaper, more basic checks? It has eve...
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- 2007-11-13 22:16:19 - Portfolio planning can lead to irreconcilable differences
- The judge had to ask the question, and we had to answer it in order to get our divorce finalized. It was all supposed to be pro-forma. "Why are you getting divorced?" the judge asked, his head buried in legal file folders."Irreconcilable differences," my wife, Sue, and I answered in unison as our attorneys recommended.To our surprise, he followed up with a second ...
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- 2007-11-13 22:16:19 - Risky business: you may not be as daring as you think
- I thought I was through with exams when I finished college. Then my financial adviser (a.k.a. stockbroker) had me take a test to measure my tolerance for risk. He said, there were no right or wrong answers, but I knew better.Once I had taken a personality test when I was in career transition (a.k.a. unemployed). My counselor had said the same thing, "There is no right or?," but wh...
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- 2007-11-13 22:16:19 - Honor those who serve with checking account supplies
- Our global society has had a wake up call in the last five years regarding our safety. But there are those in our communities that fight to keep us safe from day to day. They are take charge people and we like to honor them as our heroes. What better way than on your checking supplies?Respect for those who serve has always been in the back of our minds, but it is hard to honor them in perso...
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- 2007-11-13 22:16:19 - Photo checks ? a great alternative in checking
- It's the little things in life that make it interesting. Everyday life can be so boring at times. To make the ordinary extraordinary takes time to explore and to discover. Fortunately, there are some wonderful places online to personalize those ordinary items and make them the pride of you day.We all have checking accounts, many more than one. Most of us buy checks through three different m...
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- 2007-11-13 22:16:19 - Want your savings to earn a higher rate of return? try internet banking
- Doesn't it seem like the only impressive numbers we've seen this summer are the digits on the thermostat and the unaffordable prices of homes? Real estate has been excruciatingly hot for the past few years, but getting in the market now puts you in the high-risk category for a heat stroke if the market decides to cool off this year.So if a real estate induced stroke doesn't appeal to you an...
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- 2007-11-13 22:16:19 - Safely save for your childs university studies using an education ira!
- This investment retirement account (IRA) is useful to you as an investor to understand because it may be a good way for you to save for your kid's education AND save on taxes. These plans are now called Coverdell Education Savings Accounts in honor of the late U.S. Sen. Paul Coverdell. Individuals can make annual contributions of up to $2,000 per child into an account that's exclusively for helpin...
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- 2007-11-13 22:16:19 - What is a traditional ira?
- With a traditional Investment Retirement Account (IRA) you pay taxes when you take the money out at retirement in the future. Make sure that this account is really worth opening in your situation because what you put in the account today may be fully deductible, partially deductible or non deductible, depending upon your income and other retirement coverage. If you contributions are not fully dedu...
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- 2007-11-13 22:16:19 - Budgeting the key to being financially stable
- Single Mother's in need of Financial GuidanceBudgeting is key to being financially stable. A budget is a systematic plan for the expenditure of a usually fixed resource, such as money or time, during a given period. As a single mother you might groan at the thought of putting together a household budget with all your expenses, but its easy to do and will also help you become very financiall...
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- 2007-11-13 22:16:19 - Single mother resources directs you towards success
- As a parent you are bound to face a few challenges but as a single mother you are bound to face challenges almost everyday. Raising a child is not meant to be done alone however today it is occurring more often then traditional value holders would like to see.If you are a single mother trying to successfully raise your children you are among the many. There are a vast number of women that s...
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- 2007-11-13 22:16:19 - Single mother and learning how to save
- Saving may seem easier if you were saving for a new car, or a vacation however when it comes to saving in general it may prove to be more challenging because you may not necessarily feel you are receiving a reward from it. However saving pays off, especially as a single mother. All you need to do is simply spend less than you make each month.You are going to want to establish a budget. Firs...
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- 2007-11-13 22:16:19 - How to attain your dreams on a single income
- If you recently became a single parent and see your dreams being washed away because you feel all alone, you aren't alone. There are single parents that face future endeavors alone like dating again, living on one income, and buying the home they've always imagined. It is possible to do things on your own, be successful, and enjoy every bit of getting to where you want to be in life.Being a...
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- 2007-11-13 22:16:19 - How check 21 affects you
- The Check 21 Law is the new federal law for financial institutions and has taken effect last October 28, 2004.Before the Check 21 law was enacted, your paper check had to be physically transported from where the check was paid out before it could be deposited to the financial institution. Now, even if it has always been prudent for you to keep money in your account to pay for the checks you...
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- 2007-11-13 22:16:19 - Uk graduates looking short-term at their long-term financial responsibilities
- With almost two thirds of university entrants from England and Wales who applied for maintenance grants for this year being unsuccessful, and the average graduate owing £13,501 when they leave, according to Barclays, combined with a survey by High Fliers Research showing that only 21% of students were confident of managing to enter a graduate-level job this year, it is not surpr...
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- 2007-11-13 22:16:19 - Budgeting is essential for a single mothers success
- Today many women are struggling with debt and it's even harder if you are a single mother trying to support your family. According to the Census Bureau single mothers far outweigh single fathers. In 2003 there was a total of 2,260,000 one parent family groups maintained by the father and 10,142,000 one parent family groups maintained by the mother. This is also why many single mothers find themsel...
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- 2007-11-13 22:16:19 - What?s new in checking ? from designs to photos
- Just about everyone has a checking account. Checks present easy ways to make payments and they have simply become a way of life. Most checking accounts are pretty much the same, but there are some ways that you can make the most out of your personal checks.For years, there have been many companies that print personal checking supplies. They've been for sale at the bank, through the mail, an...
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- 2007-11-13 22:16:19 - Retirement income needs---less than you think?
- It is widely written that you need 75% of your present income to maintain your present life-style in retirement. If you make 100 thousand now, figure 75 thousand in retirement.Fifty thousand now, figure 37.5 thousand in retirement. The average retirement income in the US is 27 thousand. See what you think after reading these ideas.Some really significant expenses you won't have in re...
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- 2007-11-13 22:16:19 - Financial security
- 1) HOW TO LOOK FOR A JOBA) The Chronological Curriculum:1. First and foremost you have to be able to write an effective resume or curriculum. Now there are two types of curriculums that you have to consider. One is the Chronological Curriculum while the other is the Functional Curriculum. But since the Chronological Curriculum is the one that is most used, I'm going to start in expla...
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- 2007-11-13 22:16:19 - Do you really need the power of money management software?
- I have been a loyal user of Quicken(R) for more years than I can remember. But a conversation the other day with my youngest son started me wondering whether or not I really need money management software.The difference is what most banks have done with their online banking in the past few years.It used to be that the only way you could keep track of your spending online, pay bills a...