How to Get Money Interest Free
By Tim McMahon |
The Good, Bad and Ugly of Financial Advice
Financial regulations are usually created with the intention of protecting the consumer and adding transparency to the decision-making processes. However, the final results do not always match the initial vision. Although qualified investment advice may help investors avoid financial pitfalls, many individuals are now distancing themselves from this prepaid and often self-serving arena. The end […]
Read MoreUnderstanding Your Family’s Spending Behaviors
If your family is like most families today, you may be finding it difficult to make ends meet from one paycheck to the next. Or, you may have found yourself trying to find ways to balance your family budget in order to boost your savings. Regardless of what your current situation may be, it’s important to […]
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Should You Invest in a Private Tutor?
A good education can unlock your child’s future. So, if your child is struggling in school, it’s only natural to want to get him or her the best help possible. While many schools have after-school programs that can help, many parents turn to outside sources for additional help. After all, working with experts in the field […]
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Optimizing Your Pension Choices for Approaching Retirement
A recent Gallup poll determined that, 42% of low-income respondents will rely on Social Security and part-time work to help them through their “golden years”. Surviving on Social Security alone is difficult if not impossible but unfortunately many are relying on it. Other countries have similar results, for example in Australia government pensions are still […]
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How to Choose a Financial Advisor
By Dennis Miller Ninety-eight percent of insurance brokers do not know how to use life insurance optimally. That, anyway, is what one reader wrote in to tell me. I chuckled as I thought to myself, “You could substitute any profession for ‘insurance broker’ – lawyer, salesperson, politician, etc. – and that statement would still ring […]
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Banking Online
For anyone under the age of 25, it’s probably hard to imagine how the rest of us got by without the web since it’s become such an important part of our everyday lives. One of the biggest areas that has seen a massive change as a result of the internet, is the way we manage […]
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Rethinking Your Retirement Calculations
Why Are So Many Seniors Still Working? By Dennis Miller Go into any fast food restaurant or retail store and you’ll find a lot of seniors working for minimum wage. Here’s why. When personal computers hit the scene, numerous retirement-planning programs quickly became available. You entered your personal financial information, along with yield and inflation […]
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Why I Love Shopping Online
Everyone is a shopper. We shop for groceries, clothes, cars, and electronics. Before the advent of the Internet, shopping was mostly done by visiting the stores or the malls. Catalog shopping was around but it wasn’t as popular as going to the actual store. And with the internet, online shopping has become big business, even […]
Read MoreWhat are “Life Insurance Settlements”?
Up until recently, I had never heard of a life insurance settlement aka. “Life Settlement”. That is because up until the beginning of the AIDS epidemic, the idea wasn’t really very popular. But at that point, a lot of people knew that their life expectancy was short and needed money for medical treatment but really […]
Read MoreCan I Overpay My IVA?
Recently we’ve been discussing bankruptcy but in the U.K. there is an alternative called an Individual Voluntary Arrangement or “IVA” which is a formal alternative for individuals wishing to avoid bankruptcy. Basically it is a structured repayment plan which may allow partial foregiveness of your debt. How an IVA Works The debtor’s income (A) and […]
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Basic Bankruptcy Facts You Should Know
In the 12 month period ending March 31, 2012– 1,367,006 people filed for bankruptcy. This is down from  1,571,183 people who filed for bankruptcy in 2011 but up considerably from 901,927 in 2008, 1,202,503 in 2009 and 1,531,997 in 2010. If you have ever considered declaring bankruptcy, understanding the gist of bankruptcy laws will help you […]
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Simple Tips to Keep Your Information Safe
Electronic identity theft has become a big problem. According to a report commissioned by the US Secret Service and Verizon, 81% of all data breaches in 2012 involved some form of hacking. In addition, 96% of the data breaches stemmed from external sources. Figures from a report published by LexisNexis show that stolen credit card […]
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