401.||If I have more than one employer can I have more than one 401k limit of $14 000? by Paul Smith|
One of the questions we get asked a lot is, I know the limit that the IRS
puts on my 401k contributions for the year is $14000 (for a person under 50)
(2005) but is this ...
[Added: 31 Jan 2006 Hits: 318 Words: 494]
402.||APR, AER and EAR are terms used in financial advertising. What do they mean? by Michael Challiner|
Have you ever scanned the acres of financial advertising and wondered what APR, AER and EAR really mean? You'll invariably find one or another of these terms in every advertisement for a lending or savings ...
[Added: 31 Jan 2006 Hits: 378 Words: 754]
403.||ReMortgaging - can it still be worthwhile? by Michael Challiner|
Mortgage lenders have a somewhat insulting name for people who switch lenders to for lower interest rates – they call them "Rate Tarts". The author has a much more fitting description – Astute Shoppers! After ...
[Added: 31 Jan 2006 Hits: 329 Words: 462]
404.||Cash Out 401K to Pay Bills or Pay off Debt by Steven Chang|
If you were to ask me if I would cash out my 401K to pay bills or pay off debt, I would not, unless it is my absolute very last resort. There are many ways you can pay off your ...
[Added: 30 Jan 2006 Hits: 440 Words: 1002]
405.||Why We Hear So Much About Multiple Streams of Income by Terry Sparing|
Let's face facts; nothing in this world is set in stone, except for death and taxes.
Businesses come and go. It is a fact that 80% of businesses will fail within 5 years of ...
[Added: 27 Jan 2006 Hits: 385 Words: 1290]
406.||Mr. Monopoly Got It Wrong: Cooperation Makes More Money Than Competition by Kalinda Rose Stevenson|
Monopoly is a zero sum game based on competition. Since the money supply cannot increase, the players can win only by taking money from other players. The fundamental belief behind Monopoly is lack of money. This means that the only way to get more money is to take ...
[Added: 27 Jan 2006 Hits: 288 Words: 726]
407.||Establish Credit and Join a Health Club by Charles Essmeier|
Everyone knows how difficult it can be to establish credit. It's the old "chicken and egg" situation – you need credit in order to get credit. The fact that you have nothing in your history to suggest that you will not repay a loan will ...
[Added: 27 Jan 2006 Hits: 374 Words: 371]
408.||Treat Yourself to a $1,000 Shopping Spree! by Tracy Piercy, CFP|
You're in the mall with your husband or friend and are each given $1,000 to spend. The only restriction... it must be gone within one hour. You can do whatever you like with it!! Ready - set - spend!!!
[Added: 26 Jan 2006 Hits: 306 Words: 952]
409.||5 Common Credit Score Myths by Jack Black|
Your credit score is an integral part of your financial
life. It is important that you understand what it's all
about. Lenders, landlords, insurers, utility companies and
even employers look at your credit score. It is derived from
what's in your credit reports, ...
[Added: 26 Jan 2006 Hits: 306 Words: 1062]
410.||Make Big Money With Autosurf In 5 Minutes a Day by Larry Johnson|
Autosurf programs are the new big online moneymakers. For people who have always wanted to earn money online with very little effort autosurfing is the new king.
What is autosurf and how can you make money ...
[Added: 24 Jan 2006 Hits: 303 Words: 690]
411.||The Long Financial Winter - Protect your home by Michael Hanna|
This time of year is always financially hard for families who may have over spent between Christmas and the New Year. Last year house repossessions in the 1st half of the year were 33% higher than at the end of the ...
[Added: 21 Jan 2006 Hits: 361 Words: 654]
412.||How to Retire When You Want, With the Money You Want by Tracy Piercy|
Is the start early; save as much as you can; get a good return on your money working for you? Savings rates are at an all time low and personal debt levels are staggering. What's the solution? Work longer? Reduce your lifestyle expectations? The answer ...
[Added: 20 Jan 2006 Hits: 309 Words: 800]
413.||Adverse Credit - When is a credit history labelled as being "adverse"? by Michael Challiner|
If you are a borrower with a history of unsatisfactory credit transactions, the lenders will describe your credit history as "adverse". The expressions "poor credit", "bad credit" and "sub-prime" all describe exactly the same situation. This leads to a number of questions; what ...
[Added: 19 Jan 2006 Hits: 369 Words: 865]
414.||Buying a second hand car? 19 Tips to avoid getting your fingers burnt. by Michael Challiner|
Do your homework. Read up about the model of car you're thinking about. Will it perform as you will want? Be aware of any known mechanical problems with that particular model and remember to check them out when you take it for a test drive (see tip ...
[Added: 19 Jan 2006 Hits: 366 Words: 1014]
415.||How Doing These Three (Only 3!) Simple Things Can Turn Your Retirement Into A Dream Instead Of A Nig by Kim Kirmmse Toth|
As baby boomers, we do have a reputation for doing things our own way. It appears it's been that way since the day we were born. Not that there is anything wrong with that! I call it being CREATIVE.
[Added: 19 Jan 2006 Hits: 330 Words: 708]
416.||Credit Bureau Basics by Mansi gupta|
Credibility counts. And no one knows it better then the credit bureaus. These are the places where you can get a rating to certify your creditworthiness. And of course they charge you for it. The approach is simple enough. ...
[Added: 19 Jan 2006 Hits: 342 Words: 553]
417.||Latest money saving tips for the over 50s by Jo Godden|
MORE TIPS AND THINGS . . . . . .
Christmas is over and as is usual at this time of the year we are left with an expanded waistline and a diminished bank balance. (Wouldn't it be ...
[Added: 18 Jan 2006 Hits: 367 Words: 1565]
418.||Non profit credit counseling agency can help by Bill A Smith|
Debt levels are at their worst in America. Consumers who own more than 3 credit cards often find themselves robbing Peter to pay Paul. Non profit credit counseling agencies are a good place to begin. A consumer counseling agency will provide you with ...
[Added: 18 Jan 2006 Hits: 304 Words: 328]
419.||Refinance questions you should ask yourself by Mike Rad|
Before you even consider a refinance, ask yourself this fundamental question: "Why do I need it?"
"Many times, people take out a new, larger loan to pay off credit cards, automobiles or even to purchase another home," says Norm Bour, ...
[Added: 14 Jan 2006 Hits: 323 Words: 462]
420.||Working Capital is Paramount to a Businesses Livelihood by Dave Nighswander|
All of the planning in the world is an exercise in futility without the working capital to successfully carry out the plan. If a business sells to customers on terms, then working capital availability is dependent on cash flow timing. In most instances a business will incur a cash flow ...
[Added: 13 Jan 2006 Hits: 313 Words: 579]
421.||The Se*cret To Owning Your Dream Home by Tracy Piercy|
Step one: Imagine your dream home.
Step two: Write it down as a goal with a date when you'd like to be living there.
Step three: Look at it; think about it; talk about it ...
[Added: 12 Jan 2006 Hits: 349 Words: 1093]
422.||The Theory of Money and the Theory of Value by Nestler|
The most important point to emerge from Marx's theory of money is the idea that money is a form of value. The difficulty with this idea is that we are more familiar with money itself than with value in other forms. But value does appear in forms other ...
[Added: 11 Jan 2006 Hits: 366 Words: 498]
423.||Government Grants to start or expand your business by Nestler|
Anyone thinking about going into business for themselves , or wanting to expand an existing business should rush for the world's largest "one-stop-money-shop" where FREE MONEY to start or expand a business is being held for you by the Federal Government. It sounds absolutely incredible that people ...
[Added: 11 Jan 2006 Hits: 382 Words: 465]
424.||Digital Cash and how it affects you by Nestler|
What are the economic consequences of digital cash? What are its implications from the view of economics? In recent years, several proposals for electronic cash have appeared in cyberspace. In several cases, forms of digital cash are already in use. The economic consequences of these transactions have not ...
[Added: 11 Jan 2006 Hits: 381 Words: 512]
425.||One Solution to Bad Credit - how to beat the Credit Bureaus at their own game. by Nestler|
There's only one sure way of freeing yourself from the shackles of bad credit . Create a new credit file within the credit bureau's computer system!
The credit bureau has many identities entering their system for the first time or leaving permanently because of the ...
[Added: 11 Jan 2006 Hits: 642 Words: 497]
426.||Top 10 Secrets For Achieving Your Dream Retirement by Kim Kirmmse Toth|
#1: RETIRE TO SOMETHING:
* Leaving your retirement to chance is talking a big risk. Do not expect everything to just fall into place. Be ready for one of the biggest changes in your ...
[Added: 10 Jan 2006 Hits: 395 Words: 1884]
427.||Learn By Hands On Forex Trading: Demo Accounts Vs Mini Accounts by Amber Lowery|
If you are new to Forex, you are likely overwhelmed by the sheer amount of information you are finding about currency trading. Although the concept of trading the currency markets is simple to understand, the actual trading methodologies and understanding of how, why and when trades are executed can be ...
[Added: 10 Jan 2006 Hits: 356 Words: 892]
428.||Post-Christmas financial difficulties by sam lowe|
If you've spent more than your budget can cope with, then maybe you're thinking about credit to help you through January. Many people fear the long, broke month of January. After a lovely Christmas full of joyous smiles January can see a mood swing in the wrong direction. ...
[Added: 09 Jan 2006 Hits: 420 Words: 367]
429.||Merit-Based Financial Aid - a real merit to students by Jakob Jelling|
Merit-based financial aid is one of the main financial aid packages awarded based on their merit or merit plus of students. Merit-based financial aids usually come from state or federal sources or private sources. These types of financial aid packages are intended to assists students to ...
[Added: 08 Jan 2006 Hits: 392 Words: 476]
430.||Forex Trading Software by Amber Lowery|
If you are looking to get started trading the Forex, you will find that there are numerous software programs available (both web based and desktop based) for you to use in your trading. In fact, most brokers offer clients a software package for ...
[Added: 08 Jan 2006 Hits: 324 Words: 612]
431.||Few Facts on Samuel Blankson Books by Ispas Marin|
Samuel Blankson has been born and raised in Ghana, an underdeveloped country in West Africa. He proved himself to be an extremely good entrepreneur. He showed the first signs of being special at a very early age when he started reading, actually devouring ...
[Added: 07 Jan 2006 Hits: 463 Words: 528]
432.||Make Money Scams Don't Work? No...You Don't. by Ian McAllister|
Are Make Money Scams Your Fault?
Make money failure? If you toss a coin 100 times and it comes down heads 99 times, does that prove that it is a two-headed coin?
Match Your Abilities
You have heard that if you invent a better mousetrap the world will beat a path to ...
[Added: 07 Jan 2006 Hits: 613 Words: 992]
433.||Protect Your Identity by Nef Cortez|
Protect Your Identity
One’s FICO score is a very important determinant of the ability to finance the purchase or refinance of a home. The FICO score is determined by a formula developed by Experian and takes into account many ...
[Added: 06 Jan 2006 Hits: 354 Words: 556]
434.||Making Thousands In The New York Stock Exchange - Hidden Ground Breaking Rules - Auto Recovery by David Jenyns|
Once you have decided to begin trading in the New York Stock
Exchange, there is a bewildering variety of information and advice out there
that will guarantee to put you on the way to success. A lot of the New York
Stock Exchange ...
[Added: 02 Jan 2006 Hits: 398 Words: 887]
435.||8 Tried and True Commodity Stock Trading Application Rules That Will Explode Your by David Jenyns|
Some commodity Stock Trading Application rules are made to be broken, but
when you're trading, there are some rules are meant to be followed. Here some of
the Stock Trading Application rules that I consider the most important
[Added: 02 Jan 2006 Hits: 426 Words: 876]
436.||Conditioning Your Financial Muscles for Change by Joan Sotkin|
Everyone wants more money. But if tomorrow you received a substantial raise or inherited $100,000, would you know what to do with the excess?
You may think having more money will make things easier, but that's not necessarily the case. Changing your financial ...
[Added: 30 Dec 2005 Hits: 323 Words: 1383]
437.||Getting it even with a bad credit rating by Rudy Hadisentosa|
Yes, you can get a credit card even if you have a bad credit rating. So if you have been refraining from applying for a credit card because you have a bad credit rating, you can take a sigh of relief. ...
[Added: 30 Dec 2005 Hits: 343 Words: 602]
438.||Does it matter whether you have Good or Bad Credit by Rudy Hadisentosa|
This is a very hot topic of discussion in the world of credit cards. It starts with what leads to a good or a bad credit and goes on to talk about the importance of good/bad credit.
Have you been defaulting on your credit card payments thinking that ...
[Added: 30 Dec 2005 Hits: 351 Words: 537]
439.||Seven Steps to Total Debt Elimination by Rudy Hadisentosa|
Debt seems to have become the buzz word in today's world. We can't blame it on people. After all it's human to fall for it. However, it surely isn't good for you. If you have ...
[Added: 30 Dec 2005 Hits: 304 Words: 527]
440.||Protect yourselves against fraud by Rudy Hadisentosa|
As with every financial instrument, there are credit card related frauds too. There are thieves who scan through trash to gain access to credit account related information and then use it for their benefit. Once in a while there could be a treacherous person at the till of a store ...
[Added: 30 Dec 2005 Hits: 342 Words: 526]
441.||Why You Must Plan Your Financial Future, No Matter How Happily Married You Are Right Now by Cathi Adams|
Life is filled with surprises, and some of these surprises are usually nasty ones. This is the reason why it makes plenty of sense to prepare for any eventualities, especially of the nasty kind. One of ...
[Added: 28 Dec 2005 Hits: 319 Words: 328]
442.||Is It ReFi Time? by Ron King|
Millions of people are taking advantage of the current opportunity to refinance the mortgage on their homes. Rising home prices combined with falling interest rates have motivated people to convert their accumulated home equity into expendable funds. This frequently works to their ...
[Added: 28 Dec 2005 Hits: 441 Words: 739]
443.||Debt Counseling - Presents A Systematic Method Of Clearing Debt Load by Alex Jonnes|
It was my wife who first introduced me to debt counseling and I thought it would be just another agony uncle whom I would have to deal with. However, it was not late that I was proved wrong. It was through debt counseling that ...
[Added: 28 Dec 2005 Hits: 368 Words: 798]
444.||Planning Your Financial Future by Jay Moncliff|
We are all guilty of putting off making time to plan our financial future. It's hard, that's why, particularly finding the discipline to do it in today's consumer culture. However, you can't underestimate the importance of financial planning. Everyone retires eventually, and there's also retrenchment, redundancy, ...
[Added: 24 Dec 2005 Hits: 492 Words: 375]
445.||What to Look for in a Financial Advisor by Jay Moncliff|
Competent financial advisors don't have a particular look about them, even if they claim to have proof of their ability. To protect yourself, it is important to ask the kind of questions that will indicate whether the potential advisor has the ...
[Added: 24 Dec 2005 Hits: 463 Words: 313]
446.||Cash In On The Booming Demand For Futures Trading - Understanding Good Habits by David Jenyns|
Socrates said that we are what we repeatedly do. Excellence, then, is a
habit. Without realizing it, most people fall into patterns of behaviour that
quickly turns into habits. Everyone knows how hard it is to break a bad habit,
so it's worth you while to learn good commodity and ...
[Added: 24 Dec 2005 Hits: 455 Words: 579]
447.||Day Trading, Forex or Currencies Back Testing - A Way to Improve Your Trading Score by David Jenyns|
You can draw some useful parallels between running a business and Day
Trading, Forex or Currencies trading. For instance, most successful businesses
keep statistics on everything from their conversion rate, to their average
dollar sale, to the number of people that come in the door. Businesses do this
to keep ...
[Added: 24 Dec 2005 Hits: 453 Words: 1050]
448.||Can You Pass This Options Online Trading Cost Test - Most People Fail by David Jenyns|
There are two types of stops that you will use constantly as a trader,
protective stops and trailing stops. When looking at your options online trading
cost, generally, positions start out with protective stops to guard your
investment, and move to trailing stops when the trade becomes ...
[Added: 24 Dec 2005 Hits: 420 Words: 884]
449.||How to Avoid the Post-Holiday Financial Blues by Joan Peterkin|
Are you financially prepared for the Holiday Shopping Season?
Will you be making your purchases with cash or credit?
Do you have a planned amount of money you will be spending on gifts?
If you owe $5,000 of more ...
[Added: 22 Dec 2005 Hits: 329 Words: 747]
450.||Tips to Lower Your Debt Levels by Jay Moncliff|
With the levels of debt in America today many Americans should take a compulsory course in credit and debt management. Unfortunately, this ignorance in relation to positive credit management means many Americans are doing untold damage to their credit record. ...
[Added: 22 Dec 2005 Hits: 487 Words: 396]