Archive for August, 2007

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How Much Home is Too Much Home?

I know a young couple who recently have the privilege of finding their first home. They saved up a down payment and then went to visit a real estate agent. The agent showed them all sorts of beautiful homes, but none of them were good enough for them. So they kept looking and found the [...]

August 31st, 2007 | admin | Comments | Continued
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Trip Cancellation Insurance: Does it Make Sense?

Imagine that you and your spouse are all set to go on the trip of your dreams. You’re taking a 7 day cruise to the Bahamas and visiting some of the most beautiful ports of call on this side of the equator, no work, no cell phones, no interruptions, just pure relaxation. You take the [...]

August 31st, 2007 | admin | Comments | Continued
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9 Ways to Save Big on Prescription Drugs

This post was written by Brian of Financial Dominance. Be sure to check out his website at http://www.financialdominance.com/
How many of you flinch when the pharmacist tells you the cost of your medication? I know I do. Prescription costs seem to be rising exponentially year after year. But, by thinking and planning ahead, you can [...]

August 30th, 2007 | admin | Comments | Continued
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Camping Frugally: Spending Less in the Wilderness

The following post was written by Steve from BripBlap.com, a blog about business, personal growth, and personal finance. Consider reading another one of his great articles: “7 things to consider before you buy stuff.“

With the hottest part of the summer finally behind us, camping (or at least spending the day out and about in national [...]

August 29th, 2007 | admin | Comments | Continued
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Financial Documents That You Need to Keep

Whenever I travel back to my folks place, I try to throw away a few things here and there from my childhood that I no longer have absolutely any use for. I was going through my dresser and one of the drawers contained a folder with a whole bunch of documents, some relating to bank [...]

August 29th, 2007 | admin | Comments | Continued
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Your Investments: A Comparison of Top Discount Brokerages

Everyone should be putting away some money here and there for retirement. Social Security probably won’t be around when many of us get to retirement, so we’re left to fend for ourselves. In order to get started investing, you’re going to need a brokerage account, preferably inside an IRA or Roth IRA if the money [...]

August 28th, 2007 | admin | Comments | Continued
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How to Find Your Unclaimed Assets that the Government Might Have

You might think that people have a pretty good handle on their money and know where all of their assets are at, but this is not the case. It’s very common for consumers to have account balance or other unpaid receipts from businesses and state governments and they’ll just never collect it. This happens very [...]

August 27th, 2007 | admin | Comments | Continued
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How to File Your Taxes Online (Often For Free)

For whatever reason, many Americans are terrible procrastinators when it comes to filing their taxes. They wait until the last possible moment to begin doing them, and then rush to the post office to get there before the doors close at 5:00 PM on April 1th to send in their tax return. Filing one’s taxes [...]

August 27th, 2007 | admin | Comments | Continued
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MagicJack: Unlimited VoIP Phone calls for $40 a year.

Technology has this amazing tendency to get a lot better and a lot cheaper over time, thanks for free market competition and our great minds thinking of new and innovative ways to make things happen. For example, computers used to take up entire floors of buildings and cost hundreds of thousands of dollars, and now [...]

August 27th, 2007 | admin | Comments | Continued
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Donate Your Old Computer: Help Others, and Save the Environment

The typical personal computer contains a lot of stuff that you simply would not want in a landfill. They almost always contain quite a bit of plastic which will never biodegrade, steel, and a number of heavy metals which definitely do not belong in the landfill, or more importantly the water supply. So when you [...]

August 26th, 2007 | admin | Comments | Continued
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How to Donate Your Vehicle to Charity

A lot of us have older vehicles that are sitting around not doing much good to anyone. They’re probably sitting on the street or in the garage doing nothing more than collecting dust. It’s not really worth selling them because you wouldn’t make a ton of money off them anyway, so you just leave it [...]

August 26th, 2007 | admin | Comments | Continued
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Banking Reviews: Savings Square’s No-Minimum Online Savings Account

Every few months another one of the United States’ thousands of banks will open an online division and offer a savings account with a decent interest rate, giving the consumers more choice than ever before. Recently Kirkpatrick Bank decided to open an online division called SavnigsSquare.com which is offering no minimum savings accounts at an [...]

August 26th, 2007 | admin | Comments | Continued
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Mortgage Refinancing: When It Makes Sense, When It Doesn’t.

Home mortgage interest rates certainly aren’t as low as the hay-days of 4% and 5% home mortgages, but when doing home mortgage refinancing homeowners with good credit can still qualify for historically low-interest rates. 6.2% doesn’t seem so bad when you consider at periods in the 70’s, some people were paying a 19% interest rate [...]

August 26th, 2007 | admin | Comments | Continued
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How to Never Receive another Unwanted Credit Card Offer Again

I used to have a room-mate that never threw away his mail. He would just let pile up, and it wasn’t uncommon for him to have 50 pieces of mail on the table at a time. My room-mate also had quite a few different debts, and he always paid them on time, so his credit [...]

August 25th, 2007 | admin | Comments | Continued
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Freeze Your Credit Report to Prevent Identity Theft

Identity theft is an increasingly prevalent problem in the United States. Almost 10 million people will fall victim to identity theft each and every year. The typical victim of identity theft will have to spend at least 60 hours resolving the issues brought on by ID theft, often causing them to miss time at work. [...]

August 25th, 2007 | admin | Comments | Continued
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Why The Next Collect Call You Receive Might be a Scam

Scams and rip-offs usually come and go in a bell curve manner. First they start small with a few people using the idea, then because it’s new and it actually works, a lot of scam artist start using the same con. After it becomes prevalent, people eventually figure out it’s a scam and quit falling [...]

August 25th, 2007 | admin | Comments | Continued
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How to Get Credits to Stop Harassing You

Many debt collection agencies use emotionally draining, disingenuous and generally unfair practices in their attempts to collect unpaid debt. Some scavenger collectors will now try to collect debt that’s well past the statute of limitations, use harassing techniques, and even try to collect debt from the debtor’s relatives, or people who might not even be [...]

August 25th, 2007 | admin | Comments | Continued
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Long Term Care Insurance: When It Makes Sense, When It Doesn’t.

If a senior has an extended stay in a nursing home, it can financially devastate them and suck up all of their assets. Living in a nursing home costs tens of thousands of dollars a year, and it’s not getting any cheaper. Fortunately you can hedge against this cost by purchasing some quality long term [...]

August 24th, 2007 | admin | Comments | Continued
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Cheap Phone Calls: A Comparison of Inexpensive Long Distance Plans

Many younger Americans don’t even consider getting a land line these days, because their cell phone and internet connection provides all of the phone service that they need. There are some people who still enjoy the comfort and security of knowing that the land line is there if you need it. If you decide to [...]

August 24th, 2007 | admin | Comments | Continued
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How to Choose a Natural Gas Company

In the last few years the price of home heating oil and natural gas as increased quite dramatically because of the increased demand on the world’s oil supply. That means it’s important as ever to make sure you’re with the right company. Here’s how to make sure you’re getting the best deal and with the [...]

August 24th, 2007 | admin | Comments | Continued
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Have a Will and a Living Will? You’re Not Done Yet.

Planning for one’s own death can be a bit of a morbid experience, but it should be considered as an act of love to your friends and family. You’re facing your own mortality in order to ease the burden on your family if the unfortunate were to happen. Everyone should have a will to handle [...]

August 24th, 2007 | admin | Comments | Continued
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How to Get a Living Will

A living will is a legal document that allows you to state your wishes ahead of time about what type of medical treatments you do and do not want, as well as whether or not you want life-prolonging procedures performed on you. This document will go into effect if you can’t communicate your wishes in [...]

August 23rd, 2007 | admin | Comments | Continued
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How to Donate Wisely and Avoid Getting Defrauded by Phony Charities

Let’s face it, some people are just jerks. There are actually people in this world that would like to steal the money that you designate to charities! These people will eventually get what’s coming to them, but until that happens make sure your charity money goes where it belongs by taking these precautions.
Don’t Give Cash [...]

August 23rd, 2007 | admin | Comments | Continued
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How to Save Money and Make Your Clothes Last Longer When Doing Laundry

For some people, doing laundry is second nature. Their parents taught them at a young age to use the washer and dryer and not let clothes pile up. For a lot of other people, Laundry is just an unwanted chore that needs to get done. If laundry is a major chore to you, chances are [...]

August 23rd, 2007 | admin | Comments | Continued
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How to Use Your Cell Phone When Traveling Overseas

Two-hundred years ago traveling across the world was a journey that very few individuals would ever take. The intrepid explorers who made the journey had to travel across the ocean in slow wooden frigates and other ships. There were no rest stops and safe havens, just nature’s brutality. Things have changes substantially since then. Now [...]

August 23rd, 2007 | admin | Comments | Continued
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7 Ways to Avoid a Foreclosure

During the housing boom that happened the last few years, the amount adjustable rate mortgages increase dramatically. Analysts predicted there would be a wave of foreclosures when rates adjusted upwards, and they were right! Foreclosures rates are hitting record levels. If you have found yourself in a mess, burying your head in the sand is [...]

August 22nd, 2007 | admin | Comments | Continued
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How to Transfer Your Existing Phone Number to a New Provider

There are some wireless providers that just offer sub-par service compared to what some of the other companies in the market are providing, and if you’re unhappy with your service, it might pay to look around and see if there’s another wireless provider that can provide you better quality cell-phone service. Sometimes you might even [...]

August 22nd, 2007 | admin | Comments | Continued