Personal Finance

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How to Avoid Market Volatility in an Uncertain Economy

Volatility is a measure of how much a security rises or falls within a short period of time. Low volatility is best because the greater the volatility, the more difficult it is to achieve your goals. [more…]

How to Keep Cool in a Down Market

Seeing the value of your investments go down can often be emotional, but it’s important that you don’t panic, and stay calm and cool. The markets have produced consistent increases in value over very long [more…]

Understanding the Real Risks behind Commodities

Investing is all about managing the risk involved in generating returns. Have a look at some common risks you face when investing in commodities and some small steps you can take to minimize these risks [more…]

Considering Disadvantages to Paying Cash for Your Second Home

When considering paying cash for your second home, you need to think about more than just whether you have the money to cover all the related costs. You also need to keep in mind long-term tax strategies [more…]

Get Your Credit Score

A growing number of creditors, as well as insurance companies, employers, and landlords, use your credit score together with (or rather than) your credit history to make decisions about you. Your credit [more…]

How to Bypass Probate with Joint Tenancy

Joint tenancy means that you share ownership of property. Property held in joint tenancy isn’t part of the probate process; creditors don’t have access to property held as joint tenants. [more…]

How to Save on Style Expenses

If you need to save money, that doesn’t mean you have to let yourself go. You can save on style expenses, keeping yourself looking good without draining your wallet: [more…]

Deciding When to Cash In Your Social Security Retirement Benefits

Social Security taxes cover five categories: retirement, disability, family, survivors, and Medicare. At this time, workers with earnings of less than [more…]

Scheduling a Payment with the Quicken 2007 Calendar

If a payment occurs regularly — the payment might be for a loan or some other regular bill like your cable TV service — you can use Quicken to set it up as a scheduled payment. When you do so, Quicken [more…]

Using Microsoft Money 2005 to Track a Home's Value or Other Asset

Ask most homeowners what their most valuable asset is, and they'll say their house. But ask them how much equity they have in that house, and you usually get a much less definitive answer — if you get [more…]

How to Find Help for Your Credit Problems

A credit-counseling agency serves as an objective party to help you sort through your credit problems, see your credit situation through the eyes of professional, give you some credit education, offer [more…]

The Dangers of Short-Selling in an Uncertain Economy

Before you start short selling your way to untold fortunes, you should know that short selling is a speculative strategy with significant risks and may not be appropriate for most investors. [more…]

How to Protect Your Property from the Estate Recovery Act

The Estate Recovery Act technically isn’t a tax, but it involves the government taking money out of your estate after you die. In fact, the Estate Recovery Act can have a far more devastating impact on [more…]

How to Save Money by Taking Care of Your Car’s Tires

Taking care of your car’s tires can pay off handsomely by increasing your tires’ longevity, handling, and performance, as well as providing you with a more comfortable ride and better gas mileage. [more…]

Who's Who in an Annuity

All annuity contracts share the same basic DNA. The following sections describe the participants who have a hand in all the annuities you'll run across. [more…]

Commercial Real Estate Investing Lingo

Commercial real estate investing is all about numbers. In order to evaluate and analyze a commercial real estate investment, you need to know a few important numbers, what they're called, and how to figure [more…]

Investing in Stocks by Term

Are your goals long term or short term? Answering this question is important because individual stocks can be either great or horrible choices, depending on the term. Generally, the term can be short, [more…]

Making Sense of Your State's Inheritance and Estate Taxes

Some states are repealing or phasing out their inheritance or estate taxes, but other states that currently don’t have estate-related taxes are instituting an inheritance or estate tax. Whereas most state [more…]

The Types of Federal Student Assistance Programs

The U.S. Department of Education gives out a substantial amount of money to help students and their families afford the costs of higher education. Student financial aid from the federal government requires [more…]

The Types of Federal Student Loans

Four major types of federal loans are available to students or their parents: Stafford Loans, PLUS Loans, Perkins Loans, and Consolidation Loans. Each type of loan is aimed at a different set of people [more…]

Setting Up Your First Accounts in Quicken 2003

If you've used a previous version of Quicken, the program asks if you want to convert your data to the new version. Do this. After you've upgraded from the older version, all your accounts should be ready [more…]

I Bond Investments

I bonds are built to buttress inflation. Issued in eight different denominations, from $50 up to $10,000, the I Series bonds offer a fixed rate of return plus an adjustment for rising prices. Every May [more…]

Flipping Strategy: Buying into a Hot Market

When most people think of flipping houses, they immediately envision a process of buying a ramshackle house on the cheap, fixing it up, and then reselling it for more than they've invested in it. That's [more…]

How to Rebuild Your Credit History with Smart Money Management

The credit history rebuilding process is not difficult, but it takes time. Your goal is to add positive information to your credit history by obtaining a small amount of new credit from a reputable creditor [more…]

How to Save on Individual Health Coverage

If you have or want individual health insurance coverage, you can do several things to help lower the costs of that health insurance, saving money while still having the protection of health coverage. [more…]

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