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    Investment Matters: Income Benefits

    Investment Matters: Income Benefits
    The worth of dividends never seems to be appreciated quite as much as when markets are falling but in periods of rapid growth, they are quickly discounted. After the recent strong run in growth stocks, a reminder of the attributes of equity income is sometimes useful for investors. By and large, the UK investor is swayed by the press and the ...
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    Price of Putting Off Pension Can Be Well Worth It

    Price of Putting Off Pension Can Be Well Worth It
    Q. I have a pension that is available to me and I wonder about beginning the pension now or waiting. If I take the pension now I will get about $1,183 per month. By waiting, it increases approximately 7.5 percent each year to a maximum of $2,071 per month at age 65. I am not in need of the pension at ...
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    Personal Finance: Sound Too Good? Hide Your Wallet

    Personal Finance: Sound Too Good? Hide Your Wallet
    Nothing like a Wall Street rally to pump up investors. Eager to recoup losses from last year's market plunge, many recession-battered consumers could be eyeing the Dow's recent recovery as a chance to dive back in. But don't take the leap with your eyes closed. Investment fraud is always out there, and every year plenty of otherwise-smart people get suckered into ...
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    Outside Health Insurance Policies May Leave You Hurting

    Outside Health Insurance Policies May Leave You Hurting
    The price of health insurance at work is shocking people in open enrollment this year and prompting some to look elsewhere for less-expensive coverage. Insurance professionals sometimes suggest the strategy, especially for people seeking family coverage. Some even suggest individuals might be able to save money by insuring themselves at work and buying outside insurance for the rest of the family. ...
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    Inertia: It's the Law

    Inertia: It's the Law
    While there are thousands of financial decisions to make over the year and thousands more strategies and actions to consider when it comes time to decide, there is one enemy that keeps most people from making those decisions _ inertia. Sir Isaac Newton's First Law of Motion explains it all: "an object at rest remains at rest, and an object in ...
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    Lenders' Mortgage Help Varies Greatly

    Lenders' Mortgage Help Varies Greatly
    David Waxer, financial counselor for GreenPath Debt Solutions in Southfield, Mich., said his office has seen all extremes when it comes to how lenders handle troubled homeowners. One small mortgage company, he said, didn't want to budge and wouldn't lower the 12 percent mortgage rate held by one of its delinquent customers. The lender would only add the past-due amount to ...
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    Over-Limit Fees Ending for 2 Cards

    Over-Limit Fees Ending for 2 Cards
    Discover Financial and American Express plan to stop charging fees when consumers spend past their credit card limits. The move, reported by American Banker Monday, comes six months before a new law clamps down on such fees. The law doesn't require issuers to eliminate over-limit fees, but it will prohibit them from imposing these charges unless consumers say they want the ...
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    Desperate Savers Lock in Annuities at a Bad Time

    Desperate Savers Lock in Annuities at a Bad Time
    Low savings rates and a rotten stock market sent record numbers of savers to lock in current rates with fixed annuities - precisely when rates were near rock-bottom. Fixed annuity sales jumped 74%, to $35.6 billion, the highest ever, for the three months ended March 31, the most recent data available from insurance consulting firm Limra. Fixed annuities are a contract ...
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    The SBA's ARC Loan Program for Small Businesses

    The SBA's ARC Loan Program for Small Businesses
    The Small Business Administration recently released "lender guidelines" for America's Recovery Capital (ARC) Loan Program. While the program was announced back in May, thousands of small-business owners have been pouring into banks seeking information about the $35,000 interest-free, deferred-payment loans, only to be turned away empty-handed. "We are on target to issue the guidance and begin training, and have been reaching ...
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    The Job Search & Social Networking: 7 Tips

    Choose Your Flavor Don't jump at every offer to join a social networking service. Some focus on dating, while others are devoted to professional interests. Many mix business and pleasure: One moment you may marvel at a newfound friend's taste in tunes; the next you realize she works at the company of your dreams. But you probably don't want to devote ...
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    Tap Your Network to Ace the Interview

    1. Get Started “Before reaching out to your network, define the industry, the company or perhaps individuals you would like information about,” suggests Luna Zuniga, a senior technical recruiter with Bluware, an IT consulting company in Houston. Then think carefully about what you need to know about corporate culture, the job’s expectations, the boss, tidbits about the interviewer, etc. Are you ...
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    Leaving Your Job? Roll 401(K) into an IRA

    Leaving Your Job? Roll 401(K) into an IRA
    Most employees leave their jobs with a box full of keepsakes: company awards, coffee mugs, maybe a photo of the boss wearing a lampshade on his head. But here's something many departing employees leave behind: their 401(k) plans. More than 40% of assets in 401(k) plans owned by workers who left their jobs in the first quarter of 2008 were still ...
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    The ABCs of Budgeting

    The ABCs of Budgeting
    Budgeting isn't always easy - but it doesn't have to be impossible. And it's worth it. You'll live with less worry now, and endure less headache later on. Luckily, the Geezeo blog has come up with some basic money management strategies that are as simple as ABC. Follow their guidelines to squash your debt, start saving, and stop wasting money. A ...
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    The ABCs of Managing Money

    Always Keep Track You should always keep track of all of your accounts, and running balances of those accounts - specifically, the ones that you use on a daily basis. This will help prevent late payments or being overdrawn on your checking accounts, or going over your limit on your credit accounts. B is for ... [page] Build Credit Carefully ...
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    Hitting the Personal Financial Reset Button

    Hitting the Personal Financial Reset Button
    A BW senior correspondent details his quest to repair his retirement portfolio and get his family's finances in order It could have been worse. At the end of February—a year and change since my wife and I had shifted our money to professional wealth management advisers—our equity holdings were down 48% for the 16 months they had managed it. But our ...
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    Beware of Higher Tax Bill Before Dropping 401(k)

    Beware of Higher Tax Bill Before Dropping 401(k)
    DES MOINES (AP) — With economic pressures mounting, you may think reducing your 401(k) contribution is an easy way to add money to your paycheck. But before you do, consider how it will increase your tax bill. Many people have become so focused on the recent losses of 30% or more in their account balances that they've forgotten a primary benefit ...
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    Make Your Taxes Less Taxing: Tips and Tricks

    Make Your Taxes Less Taxing: Tips and Tricks
    Taxes are overwhelming and complicated. There is form after form and it gets tough to keep them all straight. The most painful part, however, is seeing the toll it takes on you wallet. TurboTax, Military.com and SalesHQ have brought you expert financial advice to make your taxes as painless as possible and hopefully save a lot of money in the process. ...
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    Bailout Bill Extends Tax Breaks for Individuals

    Bailout Bill Extends Tax Breaks for Individuals
    In 2008, legislation was passed to help rescue US markets and the economy. But did you know that these bailout bills also included a bundle of income tax breaks? The biggest ones are known as "extenders" - popular tax breaks that might seem permanent to most taxpayers, but actually must be renewed every year or two. Stuffed inside the *Emergency Economic ...
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    5 Ways to Understand Your Credit Card's Fine Print

    5 Ways to Understand Your Credit Card's Fine Print
    If you're like a lot of folks, you may have just received a "Dear Valued Customer" letter in the mail from your credit card company. No, you aren't being fired, but it might feel like it. If you have an affiliate card issued through one of the big banks, it starts like this: "This challenging business climate has led Citibank, the ...
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    Top 10 Salesforces: Computer & Office Equipment

    Every year, Selling Power magazine’s research team ranks companies according to the estimated number of salespeople they employ - the 500 top largest sales forces. Click here to order the full directory. It includes the contact information for all 500 companies including the names of the CEO's and some of the top sales leaders in these companies. Get this one-of-a-kind directory ...