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What is Fannie Mae

2020/01/13

A government sponsored mortgage company to help all your home mortgage issues is in fact a blessing in disguise for many existing home loan users & investors. One such enterprise is the Fannie Mae. In this article we will discuss more about Fannie Mae:.Fannie Mae stands for

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What Is Bank Inactivity Fee

2020/01/12

To keep our funds safely we open a bank account. We can even hold multiple bank accounts. Moreover we also get interest on deposits made to these accounts. We frequently use our bank account to make payments and perform withdrawals as and when we need funds..There are various kinds of charges which a bank levies on the services

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Vanguard Exchange Traded Funds

2020/01/05

One of the biggest name in exchange traded funds is the Vanguard ETF’s. Here in this article we will explain its constituents, the process associated and the reasons why they are considered one of the most popular ETF’s. Just like any ETF’s, Vanguard ETF’s are very economical and have most of the tax advantages..Vanguard ETF’s are part

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Uses for Personal Finance Loans & Why Need Personal Loans

2020/01/03

Getting loans on easy terms and interest rates is quite easy these days. Access to our dream home or car, is made easy by personal finance loans today. Even if somebody wants to study abroad can get assistance from personal finance loans by the bank, which is very easy to pay off. The Interest rates are very negligible on such loans. Reforms in Public

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Uses for Personal Finance Loans & Why Need Personal Loans personal-finance

Investment Guide for Investors

2019/12/26

Have you heard about investing guides? Do you know what these are and if they are of any use to you?.Investing guides are quite similar to resource materials which are available online as well as offline, which basically focus and lay stress on different aspects of investing. Investing guides are guidelines which help you determine how

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Investment Guide for Investors personal-finance

Types of Derivatives in the Market

2019/12/25

Derivatives are traded in four different types – Forwards, futures, options & swaps. Futures and forwards contracts can be explained together. Both these types of contract oblige the parties concerned to enter into a financial transaction on a future date or before the future date at a fixed price. Now what makes futures and forwards different is the basis of

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How to Reduce Expenses

2019/12/14

Small expenses can become a big expenditure in totality if we do not control them within time. Here are some small tips that can help to make savings and reduce expenses which we often ignore..Start using reusable things in your home as well as in your kitchen. You can also start making investments in all kinds of reusable items such as rechargeable

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How to Reduce Expenses personal-finance

The Concept Of Economic Adaptation

2019/11/26

Economic adaptation, as the name suggests, is about adapting with the economic changes. For illustration consider the case when business was on track and there were no disruptions on any sorts, in the pre 9/11 times. Most of us were living comfortably, spending reasonably and enjoying a decent lifestyle..However post the terrorist attacks

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How to Teach Your Children the Value of Money

2019/11/22

Things come more easily in today’s world. Earlier, you had to have the money ready with you or you could just not buy it. In the age of credit cards and loans, you do not need money ready to buy something. Just the intent to pay for it..The downside of this easy money availability is that you often do not realise how much you have actually spent. It

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How To Spend and Save Your Tax Refund

2019/11/20

If you’d like to save or use your tax refund checks, make sure you utilize the options provided by the Internal Revenue Service (IRS). The IRS is allowing you to deposit your tax refund checks in maximum four accounts. This article provides you with the options for saving or using your tax refund money and explains how you should inform the IRS about

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How To Spend and Save Your Tax Refund personal-finance

Some Crucial Tips On Getting Bills Organized

2019/11/02

Considering the very fact that timely bill payments play a crucial role in increasing your credit score, it is very important for you to learn how to organize bills..When it comes to getting your bills organized so that the late payments could be avoided, a key point is to not just to automate the bill payment system but also to save

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Short Term Investment Options

2019/10/28

Who does not like to make money quickly? Are there any shortcuts to making potfuls of money fast and that too  legally? Most of us think that money can come only by observing financial discipline over many years, when your investments reach decent volumes. Except for making money through lottery or winning  a jackpot, short term gains are considered out of

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How To Choose Between Traditional And Roth 401k

2019/10/15

Roth IRA and Roth 401(k) differences are notable though they appear to be similar. Contributions to both are made after taxes and the earnings can be taken out tax free after 5 years or after attaining age of 59½..High contribution limit is the most remarkable characteristic of 401(k)s, be it traditional or Roth. An employee can deposit

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Retirement Planning

2019/10/14

Retirement plans by the Federal government are controlled by the Labor Department and monitored by the IRS. Most of the retirement pension plans are covered by the Employee Retirement Income Security Act (ERISA). The EBSA – Employee Benefits Security Administration of the Department of Labor is responsible for enforcing the provisions of ERISA..The retirement plans mentioned

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How To Plan A Loan Repayment Schedule

2019/10/03

The schedule of loan repayment, usually called amortization schedule, displays the detailed record of payments made periodically against a loan or mortgage..It shows the complete history of payments made – date of payment, serial number of installment, amount paid with breakup of money paid towards principal and interest, balance to

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Tips On How To Manage Your Money

2019/09/26

You may have more than what you usually need, but one thing that usually leads a person to total bankruptcy is through mismanagement..Personal financial management is quite complicated so to speak; however, if you don’t want to end up dead broke you

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Personal Finance Budgeting

2019/09/24

Planning on raising your credit score? Then why not consider having a personal finance budgeting system to augment your rating? If you ever tend to fall for the catchy ads that most companies are promoting saying that they can augment your score without any effort or lesser effort on your part, it’s a lot of “BULL”.

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Choosing Between Annuity And Lump Sum

2019/09/23

Many employees face a dilemma while selecting between a lump sum payment and monthly annuity while approaching retirement. Employees opting for single life annuity would get a monthly payment for rest of their retired life..However, after death of an employee his wife would not receive any payment. For joint and survivor annuity, monthly payment is less

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Things to Consider Before Getting a Home Mortgage

2019/09/11

Buying a home is a dream we all wish to live at least once in our life time, but for most of us it’s practically impossible to live this dream without getting into debt by means of getting a Mortgage Loan. The loan is specifically used for the purchase of a home or property or both. Of course the ability of the borrower to obtain a mortgage will likely determine

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Missouri Advisor 529 Plan

2019/09/06

Missouri’s 529 is a savings plan that helps individuals and families to save for college expenses of their children, grandchildren and so on..It is a tax based investment solution sponsored by State of Missouri administered by Upromise Investments, Inc., and Upromise Investment Advisors, LLC..Eligibility

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Liquid Plus Schemes No Longer An Attractive Option For Indian Inc, Banks

2019/08/27

Liquid plus schemes have been an ideal avenue for banks and India Inc to park their surplus funds until now. Continuity of the above however seems to be short lasted after the capital market regulator ordered the MF’s to value the money market and debt securities above 91 days on mark to market basis. Unlike liquid funds which constitute of the securities with a very short maturity

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Ladder a Certificate of Deposit

2019/08/22

Laddering is the process of buying the deposit certificates at different stages of maturity. With this, the funds invested by the investor does not become due at one time and have different maturity timings. You would be able to understand this with an example..Suppose you have decided to deposit $10,000 in the deposit certificates with

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Investment Management

2019/08/11

The management of assets such as securities, real estates, bonds and debt instruments by professionally trained personnel is known as investment management. Their services are sought by investors and companies to take charge of their investment vehicle and help them attain their perceived financial goals..

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How to Increase the Market Value of your House or Property

2019/07/23

Do wish to sell your house but haven’t been able to secure a potential buyer? The answer perhaps lies in the condition of your house. Nobody is searching for a place in ruins even if they are on a tight budget. So if you wish to really sell your house, its time you did something to improve the overall functionality of the place and get it into shape. By doing

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Important Provisions Of Oregon Home Rental Law

2019/07/21

In order to simplify the process of rental services offered by various individuals, different states may specify different laws and regulations. Such laws and regulations are established in order to secure the rights of tenants and to provide security to the landlords..Important Provisions Of Oregon Home Rental Law

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Types of Derivatives in the Market and Ways To Save Money

2019/07/18

One of the main reasons for our sudden financial crisis is our inability to save everyday. If you wish to save money, you have to do it everyday. There is no magical formula to save money, but it is a slow and steady, step by step process..Your first step in saving money is by making an estimation of your different sources of income.

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How To Setup Your Own Boutique

2019/07/15

Starting a business of your own, of any size, in any sector is no child’s play. It requires serious planning, a lot of effort, time, dedication, discipline and a whole lot of hard word. If you love fashion and the latest trends in the industry, then opening a boutique is the best bet for you..You are full of questions about how much

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How To Negotiate A Car Lease

2019/07/08

You should educate yourself about the things which you need to know before going to the car dealer to lease a car. If you do your preparation well then your chances of grabbing a good deal will increase..How To Negotiate A Car LeaseStart Searching OnlineYou should first do some research concerning

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How To Make Money Online

2019/07/04

Everyone loves to make money! Sometimes people look for ways of earning money that shall supplement their regular income. To some others it is the way of earning their living and meeting the everyday expenses of life. Here are some ways to make money which might give you an idea of how to increase your earnings.Income from capital gains is a

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How to Save Money and Money Saving Tips For Singles

2019/06/23

Creating your own personal budget can always be very beneficial. Creating a personal budget means planning all expenses and incomes of a period in a way which helps to balance your financial planning..If you wish to make a good personal budget, you need to gather every financial statement you can. You have to gather all your utility

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How To Calculate Working Capital

2019/06/20

Working capital highlights the operational efficiency of any company. Working capital is arrived by deducting a company’s current liabilities from its current assets. By using this formula, a company’s ability to meet its short term obligations/debt can be judged..Positive working capital (when current assets exceed

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Best Student Credit Cards and Benefits of a Student Credit Card

2019/06/14

We all are looking for a comfortable life ahead. Whether it is about the demands of today’s students, professionals or even of those who do not believe in venturing out but sit at home and tackle the everyday household challenges with ease, the one thing that matters more than anything else is finance. How do you make sure you use your finances prudently? How

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Best Student Credit Cards and Benefits of a Student Credit Card personal-finance

Housing Market Predictions

2019/06/14

If you’d like to buy a home with mortgage or sell the home you own, you need to take a look at the housing market predictions for 2011. It’ll help you to take the right decision as far as buying or selling your home is concerned. In this write-up, you’ll find some of the predictions for the housing market in the year 2011..Housing  Market  Predictions

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Early Retirement Guidelines

2019/06/06

Often the advertisement related with retirement planning or retirement benefits shows old gentleman and ladies having a relaxed life, vacationing, strolling by seaside or playing golf. Investing is not enough to lead such a relaxed and independent life but investing early is the key of a successful planning. Research has shown that that the earlier you start

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Planning For Retirement

2019/06/03

Schooldays are not any more the ‘golden days’ of life with all those competitions, exams, burning of midnight oil, then comes the professional life which is all about making money and recognition (but nobody seems to have time to enjoy it!). Retired life in true sense can be the golden period if you have planned for it. So what does it take to enjoy your retired life apart

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What is Futures Trading? What are Risks in Futures Trading?

2019/05/29

The good news is that there is huge money in futures contract trading. The bad news is that only a minuscule percentage of investors actually manage to do it successfully and consistently. So what is Futures trading?.It is the trading done by speculating on the direction the price of the commodity that you are trading will take in the future. Unlike trading in share

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Four Important Steps In Filling A Check

2019/05/26

A check is generally issued to make payments to a vendor, to transfer money from one account to another and to deposit and withdraw money from a bank account..A check has various components that are required to be filled before a transaction can take place.  It is important to understand the components of a check in

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Four Different Ways Of Locating An ATM

2019/05/25

ATM has revolutionized the way of performing bank transactions. ATM can be used for various purposes, from simple cash withdrawal to deposit of checks and cash. The need to go to a bank for withdrawing small amount of cash has been completely eliminated with the advent of ATM..Nowadays even a fixed deposit can be opened

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Forex Trading

2019/05/24

Forex trading is the trading of currencies of different countries against each other. The buying of the US dollar against the Euro is an example of forex trading. Such trading is typically done through a broker. You have the liberty to choose any foreign currency which in your opinion has the potential to rise in value over a period of time. Forex literally

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Retirement Investment Plan

2019/05/07

Retirement planning needs some very wise investment planning during the entire working life of an individual. Those who wish to live comfortable after their retirement need to plan for their retirement well in advance. Any such planning takes into account several things which are worth considering.

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Retirement Investment Plan personal-finance

Basics of Exchange Traded Funds

2019/05/05

Commonly,  investors trade in stocks on stock exchanges. There is another equally exciting and beneficial investment option which can be traded just like stocks on the exchanges, these are known as exchange traded funds or ETF. In this article hence we will explain the basic of ETF investment:

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Basics  of Exchange Traded Funds personal-finance

Types of ETFs

2019/05/03

Exchange traded funds were available in US from the beginning of the year 1993. As discussed in our earlier articles, ETF’s are index funds traditionally, but the concept changed in the year 2008 when the SEC gave the go-ahead for it been considered as an ‘actively managed’ ETF..Whatever the classifications

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Types of ETFs personal-finance

Elements Of Dissipation Of Assets In A Divorce

2019/04/30

Going through a divorce is not a pleasant situation for anybody and if the terms with partner are not amicable, going gets tougher. Legal assistance is often needed, especially if partner could be cheating upon you financially and this is when one seeks respite by way of asset dissipation..Asset dissipation or dissipation of

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Technical Analysis Terms

2019/04/23

There are two types of analysis, fundamental as well as technical analysis. Fundamental analysis takes in to consideration the fundamentals of the company, whereas technical analysis tracks the stock prices on the basis of the market movements. All the securities which are traded on the stock market have open price, close price

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Day Trading Overview

2019/04/13

Trading as we all know is the process of buying and selling of financial instruments like stocks, currencies, futures and options. Day trading differs from normal trading in the sense that positions are rarely held overnight or when the market comes to a close..In the earlier days, the facility of day trading was available

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