Archives for January 2013

Using Your Union Membership for Discounts

There are many reasons to join a trade union if you qualify for membership – but one which may not always readily spring to mind is for the potential discounts they bring – particularly via insurance premiums. What’s more, qualifying for discounted insurance via a trade union shouldn't really prick the consciences of those who believe in the trade union movement for purely altruistic, … [Read more...]

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Handling Debt Collectors

It is imperative to understand what debt collectors can and cannot do so that you can find relief from any collectors hounding you about your debts. When you get into a situation where your debts are overruling your life you must take control and seek debt relief to make certain your pain ends. However, it can take a bit of time to decide if debt consolidation, credit counseling, or another form … [Read more...]

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Don’t Let Appraisal Thwart the Sale of your Home

Lately, more than one third of home sales have been held back due to real estate appraisals. This was according to a survey done by the National Association of Realtors; an organization which is composed of residential and commercial real estate broker, immovable property managers, real estate sales people, appraisers and real property counselor. In the survey, about nine percent of the agents … [Read more...]

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Investing with Consumer Confidence, Price and Retail Sales

Most things in our economy are interrelated. You have to know how to invest in stocks using these metrics that tell you how the economy is doing. If you can't adjust your investment strategy based on these relationships, you will not be able to navigate or learn how to play the stock market. Consumers are a huge part of our economy. That is why it is important to understand this interaction. … [Read more...]

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Growing Your Freelance Small Business

When you're in business for yourself as a consultant, independent contractor or freelancer, it's all about you and the client. Whether you're an independent web designer or freelance writer, nurturing that relationship is as important as turning in stellar work when it comes to ensuring your professional and financial future. The U.S. Small Business Administration (SBA) has some ideas about how … [Read more...]

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Making Better Stock Market Investments

There may be more tomes written about successful investing than pretty much any other subject. Much of this advice is conflicting and a lot of it is highly complex, whilst other advice is over simplified. So what’s a potential investor to do in order to get started? Well the first thing you can do is put your faith in someone you completely trust to have your best interest at heart – and … [Read more...]

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How To Avoid Risk When Investing

When considering your investments, you may well be looking for ones that involve no risk. However, there is a slight risk in all investments so it’s about choosing a strategy that minimises your exposure to risk while still leaving yourself with a chance of a decent return. In order to do this, there are a few simple steps you can take, from checking out company house before investing in stock, to … [Read more...]

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The Basics Of Asset Allocation

What Is Asset Allocation? Asset allocation (AA) is an investment strategy that calls for putting your money into a variety of diverse asset classes. The idea behind diversification is to invest in uncorrelated assets that do not move in tandem. In theory, when one investment does poorly or lags behind, other holdings will do better to offset those losses. You never have too much of your … [Read more...]

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Filing Something Better than a Tax Deduction

There is one thing that should get you more excited than deductions during the tax season, credits. Tax credits are substantially better than deductions because they reduce your tax bill dollar for dollar according to your credits. Deductions merely reduce the amount you own by a percentage—meaning they will only give you a percentage of every dollar you claimed as a deduction. For explanations … [Read more...]

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3 Things You Should Know Before You Pick A Financial Planner

If you've ever thought about setting up a retirement account, doing some insurance planning, or even looking for a better way to structure you finances, you may have considered looking into a financial planner. However, did you know that all financial planners are not alike? As someone who has worked in financial services for over four and a half years I can tell you that not all financial … [Read more...]

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Planning for Taxes – Deductions Related to Moving

With tax season just around the corner, a lot of people are looking for ways to reduce their tax burden and walk away with a bigger refund. If you've moved this year because of your job, then you're in luck! The IRS offers special tax breaks for people who have moved and are now working in a different place, different job, or even just choose to be self employed in a new location. While … [Read more...]

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Why Choose an IRA for Your Retirement?

There are plenty of employed individuals who prefer to open an Individual Retirement Account (IRA) as preparation for their retirement. As you may have already known, an IRA is a type of investment vehicle which allows employed individuals who are earning taxable income to save part of their earnings as their retirement funds. Such funds will be invested in various asset classes which the … [Read more...]

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