Personal Finance

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Investing for Income

Investing for income means investing in stocks that will provide you with regular money payments (dividends). Income stocks may not offer stellar growth, but they're good for a steady infusion of money [more…]

How to Defer or Discharge Student Loan Debt

Under special circumstances, you can receive a deferment on the repayment of your federal student loans. You may even get your entire student loan debt forgiven [more…]

Taxing Your Income from Day Trading

Income seems like a straightforward concept, but little about taxation is straightforward. To the IRS, the money you make as a day trader falls into different categories, with different tax rates, different [more…]

How to Use Coupons Wisely

The key to effective coupon use is to be organized about the process. Every coupon you need but can’t easily locate is cash slipping through your fingers. [more…]

Dealing with Payroll Taxes in Quicken 2005

Make no mistake. Uncle Sam wants the money you withhold from an employee's payroll check for federal income taxes, Social Security, and Medicare. Uncle Sam also wants the payroll taxes you owe — such as [more…]

Entering a Check into the Quicken 2007 Register

To start working with Quicken, head to the Cash Flow Center, which looks and works (sort of) like a Web page. The Cash Flow Center provides clickable hyperlinks to some of the most popular banking and [more…]

Examining Four Key Types of Investment Ratios

To research possible investments, you read financial reports, prospectuses, and all manner of number- and jargon-filled analyses. Investors use different ratios to boil that information down into usable [more…]

How to Use Leftovers

If you use a little creativity, leftovers can be fun, tasty, inexpensive meal starters. By camouflaging the leftovers from meal to meal, even your pickiest eaters will have trouble recognizing the roasted [more…]

Recording Credit Card Transactions and Payments with Microsoft Money

Besides leaving credit cards at home, one way to keep credit card spending under control is to diligently record charges as you make them. Watching the amount that you owe grow larger and larger in the [more…]

How to Dispute Your Debt with a Debt Collector

You’re contacted by a debt collector. You don’t agree that you owe that much — or anything at all! What to do next to save your credit from crashing?

Send the debt collector a letter disputing it within [more…]

Trading or Investing: Technical Analysis

Technical analysis is the study of how securities prices behave and how to exploit that information to make money while avoiding losses. The technical style of trading is opportunistic. Your immediate [more…]

Profitability Ratios for Investment Analysis

Profitability ratios form a core set of bottom-line ratios crucial to all investment analysis. Profitability ratios are typically based on net earnings, but variations will occasionally use cash flow or [more…]

Computing Simple Interest and Annual Rates of Yields

Calculating interest can seem complex, especially when the terms "rate" and "yield" are involved. Right next to the annual percentage rate (APR) you often find the annual percentage yield [more…]

Ask Debt Collectors for Proof of Your Debt

When a debt collector contacts you about a debt, he must send a written statement of your right to request written verification of the debt and your right to dispute the debt. [more…]

Look Closely at Your Credit Card Finance Charges

Some credit card companies offer lower interest rates if you transfer balances from another credit card to a new account. And if you write a check to borrow cash against your credit card, that amount can [more…]

Requirements for Using Savings Bonds for College Expenses

To save for college tax-free using either Series EE or Series I savings bonds, the owner needs to be at least 24 years old on the first day of the month when the bond is issued. There are no exceptions [more…]

Setting Up a Credit Card Account in Quicken 2006

If you want to track credit card spending and balances with Quicken 2006, you must set up a special credit card account. (In comparison, you use bank accounts to track other things, such as the money that [more…]

Covering Top Ways to Invest in Commodities

Because the commodities markets are so wide and deep, you have a number of investment vehicles to access these markets. A common misconception among investors is that you can only trade commodities by [more…]

How to Track Stocks with Quicken Watch Lists

You can add stocks and other investments to your Quicken Watch List to help you track them. When you set up a Watch List, you can list stocks that you own, stocks that you want to own, stocks that are [more…]

How Microsoft Money Can Help You with Your Finances

Microsoft Money 2005 takes the pain out of managing your personal finances. The popular software serves as a research tool and a means of gazing into the future. With Money 2005, you will know how much [more…]

Treasury Bill Investments Backed by U.S. Government

For short-term investing, Treasury bills (called T-bills) are the nation’s most marketable security. T-bills are issued with 3-, 6- or 12-month maturities. When you purchase a T-bill, you pay less than [more…]

How to Adjust Information on Your Credit Report

If you (and lenders) don’t like the look of your credit report, you may be able to make some changes to that credit report. If you think the credit report doesn’t reflect your true credit history, you [more…]

Asset Productivity Ratios for Investment Analysis

Asset productivity ratios describe how effectively business assets are deployed. These ratios typically look at sales dollars generated per unit of resource. Resources can include accounts receivable, [more…]

How to Throw a Party on a Budget

When you budget for your party, do so before you start shopping. Figure out how much you can spend on your party, overall. List the items you need and estimate what you can afford to spend on each item [more…]

How to Use Quicken’s Loan Calculator

You can enter any type of loan scenario and Quicken tells you how much your payments are going to be, how long it is going to take you to pay off a loan, and how much interest you are going to pay. You [more…]


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Personal Finance