Archive for the ‘Finance’

  • Financial Institutions – They Are Not Lenders, They Are Suckers!>
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    Financial Institutions – They Are Not Lenders, They Are Suckers!
    Financial institutions are not those good Samaritans who help you out of financial crises out of sympathy and empathy like good friends. Well, I’m not saying that they should donate you money out of charity, but just see the kind of financial complications they put you in! Nowadays, when banks and mortgaging companies lend you money, they do so by charging you fees , many of which , turn out to be irrelevant or highly exorbitant. Apart from that, their terms and conditions also may be difficult to comply with. Here are some points that you could consider while going for that credit loan next time you need money. Charging Interest On 0 Percent Balance You might pay off your credited balance by the due date, but even then you might be charged interest on it. For example, you buy a $ 1,200 computer  [...]
    at October 15th, 2009 at 11:10 pm
  • Now, Learn Personal Finance From Video Games!>
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    Now, Learn Personal Finance From Video Games!
    You might be aware that a really hungry stomach desperately searches for food everywhere. This recession has made us all hungry for money and we are searching for ways for managing our personal finances. Financial knowledge is found to be hopelessly low in the youth, children and the common man of this country and the government and private institutions are leaving no stone unturned to teach financial education to people. – zq4h7pgt5f Schools, colleges and the human resources development departments are coming up with money management programs to educate people. Financial literacy programs may be too formal for you. Especially, children might not want to indulge in serious programs. For them, educational interactive financial applications have been developed to make them financially literate.  [...]
    at October 12th, 2009 at 01:10 am
  • Should Soft Drinks Be Taxed To Pay For Health Care Reform?>
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    Should Soft Drinks Be Taxed To Pay For Health Care Reform?
    Chairman Baucus of the Senate Finance Committee is bent on making health care reform mandatory. Obviously there’ll be people amongst us who’ll not find it easy for paying up the premiums of the health insurance. If you don’t, you’ll have to pay a penalty. A middle class citizen might have to pay a penalty of $3,800 for not taking the health care insurance. Of course the government has thought out different ways to help even the common man to avail the insurance like the establishment of lending cooperatives that will help you in paying up your premiums and also in getting medical care and resources at subsidized rates. But these facilities can always be appended with other ways so that availing that mandatory bill is not that pinching on your bank accounts after all. As I was going  [...]
    at September 22nd, 2009 at 01:09 am
  • Killer Tips To Manage Your Business Finances>
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    Killer Tips To Manage Your Business Finances
    You might have got a lot advice about managing your personal finances during recession but managing your business finances is as important as managing your personal finances because both bear a complementary relation to each other. The recession might have been very discouraging for independent businessmen but you should know certain ways in which you can protect your profession and professional finances so that you have your income flowing in. This is how you do it: Get associated with a good credit union. They are the ones that really know your business requirements and will help your business with finances and services whenever required. There are plenty of online resources that’ll help you in locating reliable credit unions. They might ask you to take an affiliate membership. Just go  [...]
    at September 14th, 2009 at 04:09 am
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    What You Should Do In The Case Of an Identity Theft
    Identity thefts seem to be a common thing these days and even the savviest amongst us don’t seem to be immune to this menace. If this could happen to chairman of Federal Reserve Ben Bernanke and to personal finance expert and coach Harraine Freeman, this can happen to anybody. In both cases purses that carried the financial credentials were stolen from their cars. Bernanke’s wife Anna’s purse that carried his credit cards, social security card, checkbook, and IDs was stolen. On similar lines Freeman’s purse that contained her health insurance card, driver’s license, check book, car registration and house keys was stolen. In both cases bank transactions were done by the thieves and money was withdrawn from their accounts. Upon this rapidly growing crime, Bernanke says, “Identity  [...]
    at September 11th, 2009 at 11:09 pm
  • Important Numbers to Manage Your Finances>
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    Important Numbers to Manage Your Finances
    Nowadays personal finance advice abounds the internet and even other media. When I walk by the streets I come across numerous banners saying “Best personal finance consultancy for the last 50 years”. One thing that beats me is that despite such a lot of knowledge available around us, why are quite a number of us inefficient at managing our finances? Even those who have taken professional advice or have tapped the online resources are not better off with their money management skills. Why is it so? Are we not getting that most effective tip that we want, or are we non-learners, or are our circumstances not allowing us to follow what we know to be the most appropriate? Till a few days ago the economy slump wounds were pretty ripe. It’s only now they seem to be healing and all of us are  [...]
    at September 4th, 2009 at 03:09 am
  • Recession Is Fading- Is It Right Time To Ask For A Pay Hike?>
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    Recession Is Fading- Is It Right Time To Ask For A Pay Hike?
    You’ve endured the recession and waited patiently for things to get better before you tried for that personal incentive called promotion from your boss. Now since things have started looking bright don’t you think you should start off with your professional upliftment program? Or do you think it’s too early? For some companies which haven’t been affected much by the recession, the economical improvement signals a new era of growth and prosperity. If you’ve been working well all this time and have been in the good books of your seniors, you can go ahead and ask for a promotion or a pay hike. But if your company was deeply wounded by the recession and is bandaging its wounds, it’s ethical for you to be patient for some more time and then strike upon an opportunity to speak with your  [...]
    at September 3rd, 2009 at 04:09 am
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