5 Ways to Ruin Your Retirement Plan

No one intentionally sets out to ruin their retirement. The alarming statistics, however, seem to paint a different picture. Poor investing decisions derail retirement. Two other common patterns emerge: cashing out retirement funds early and saving too late. The bottom line is, people make choices, financial or otherwise, that eventually rob them of good years ahead. Here are five ways to waste … [Read more...]

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5 Benefits Of Making IT Investments

Technology has permeated every sphere of modern day life, from commerce, to communication, to socializing, the influence of modern technology cuts across all aspects of life. Business owners and entrepreneurs who do not invest in technology risk missing out on lucrative and profitable opportunities. For example, the use of cloud computing technologies has become the norm of storing and accessing … [Read more...]

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Insurance Policies that Every Small Business Owner Needs

Insuring your new small business is a necessary evil. Well, it's actually an angel in case something happens that you need coverage for, but when your doling out the incredibly high insurance premiums before your business is even making a profit, it seems quite hard. However, a reliable insurance is unavoidable for a small business owner as the risks of such a business runs pretty high, and … [Read more...]

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Personal Finance – Useful Tips And Hints On How To Achieve Financial Success

Achieving financial success is a long-term plan, and it is certainly not an easy one given the financial crisis that has affected all the market sectors. Nonetheless, with proper financial planning and some minor sacrifices, you can put some money aside for the rainy days and you can raise money to achieve your goals as well. Here are several useful hints that will help you achieve financial … [Read more...]

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Understanding Stock Option Trading

Many traders think that stock options are nothing but stock substitutes with higher leverage and requiring less capital. After all, an option can be used to bet on the direction of the stocks to buy and sell the instrument at a specified strike price and date, just like an ordinary stock. But stock options have different characteristics, and strategies from ordinary stock and we will discuss these … [Read more...]

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What You Need To Know About Personal Finance

Personal finance is basically financial decisions taken by a person or his family in order to know how much money they have and how much they can spend over time. While calculating these things, money for various risks and other unforeseen activities are considered as well. You keep aside a certain amount for the future and you can then see how much is left to spend. Availability Of Cheap … [Read more...]

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3 of the Most Common Tax Scams in 2013

Every year, the IRS releases its annual "Dirty Dozen" list of tax scams. This is a list of the top 12 scams out there that the IRS cringes to hear about every year. They identified the fraudulent acts and wrote up the list as a reference to help Americans tell the difference between liars and the real thing. Take a look at the top three they found and keep an eye out for them in your own … [Read more...]

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Clever Solutions For Dilemmas Faced In Case Of A Fire

Experiencing a fire is very traumatic, both physically and emotionally. The hardest part is knowing you have lost what you held dear and not knowing where to turn or what to do. Firefighters would be pushed to cut through walls or knock down doors to gain entry and contain the fire. Afterwards, you are left with a shell of a once habitable place. Below is a step-by-step guide on how to return back … [Read more...]

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China and India – The two largest BRIC’s

The main difference between the two countries, India and China, is their government types. Both countries have a different government type which is the reason their economies differ. These countries have been competing for a well deserved spot at the top of the global market, and although these two differ in many ways, in the larger picture, both of them grow at an identically fast and efficient … [Read more...]

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When Bankruptcy Is the Only Option

When Bankruptcy is the Only Option Bankruptcy is often viewed as a moral failing. The image of the bankrupt individual is that of a scofflaw who racks up enormous debt, then shirks his financial responsibilities by filing bankruptcy. But that image is far from accurate. After the near total financial collapse of 2008, a lot of people who thought they were financially stable, suddenly found … [Read more...]

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How to Save Money on Food

The cost of food is affected by so many factors, such as the economy or the weather, that the price could go up without a moment's notice. Learning how to save money on food at the grocery store and while eating out can have a huge impact on your savings. Shopping at Discount Stores or Buying in Bulk Bulk stores like Sam's Club and Costco allow you to get bulk items of name brand products at … [Read more...]

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Finding Money Wherever You Can

Whether you are planningĀ a wedding, a family vacation, or you just need to pay off debts, you can find money in unusual places. Take a look around and take stock. What have you been collecting all of these years? What collections have been passed down to you? What is just sitting there collecting dust? When was the last time you really cleared the clutter and downsized? Coming up with extra … [Read more...]

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How a VA Streamline Refinance Works

How does the VA streamline refinance process work? We'll discuss the major steps to expect and what is involved in each of them. 1. The borrower must find a Veteran's Affairs approved lender. Veteran's Affairs has a list of approved lenders who can offer the VA streamline refinance loan. No one else is eligible to offer loans under this program. 2. Determine eligibility of the … [Read more...]

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Injured? Why You Should Consider a Structured Settlement

If the court has awarded you a large sum for an injury as the result of a lawsuit, one thing you should consider is a structured settlement. These arrangements can have major tax advantages, but it is important to consider the pros and cons to decide if it is right for you. A structured settlement is an installment payment plan, which divides your settlement into payments over time instead of a … [Read more...]

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10 Worst Credit Card Mistakes

Using credit cards can be simple for some but first time holders might be confused on how to utilize them for their advantage. There are still some who find it hard to control their finances and are always indebted for some period of time. To guide the users, here is a list of the 10 common credit card pitfalls being encountered by many users: Paying late. This can be the biggest mistake one … [Read more...]

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