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Four Steps In Checking PF Balance

2019/02/25

Every salaried employee in India generally has “Contribution to Employee Provident Fund” as one of the components of his/her cost to the company. Employee provident fund is calculated on the basic salary of the employee. Some organizations contribute an equal amount for the benefit of the employee. For Instance, an employee

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Four Methods Of Checking Bank Account Balance

2019/02/25

Bank account balances should be checked at frequent intervals. It is important for every individual to monitor his/her bank transactions in order to ensure that there is no discrepancy in the nature and number of transactions.Ideally, verification of bank balance should be done after each deposit or withdrawal is made by the account holder

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Four Important Differences between Cash And Debit Card

2019/02/25

Cash represents the amount of money that is available with an individual at his/her home or in a bank account. Any amount of cash deposited in a bank account increases the balance in the account.Money in bank account can be used directly for making payments through

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How to Save Money on Groceries and Food

2019/02/25

When it comes to trimming the fat off the food bills, you can easily save up to $300 or even more by just being a little careful with your grocery shopping strategies. In order to save money on groceries, you do not have to eat less. Instead, you just have to take care of a few things to avoid impulse purchases.Whatever food products you buy, you must

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Five Steps To Easily Calculating A 20% Tip

2019/02/25

It is quite common for us to leave a tip after having a breakfast, lunch or dinner at a restaurant. Tip is any amount that is paid in excess of the bill amount.Generally there is a confusion as to what amount should be left as tip. Some individuals may prefer to leave a fix amount while others may prefer to leave a certain percentage of the bill amount

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Five Steps In Using HDFC Internet Banking Facility

2019/02/25

HDFC is one of the largest banks in India. It offers various services such as bank accounts, loans, mutual fund investments, online trading account to its customers and so on. Like every other bank HDFC bank also provides internet banking facility to its account

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Easy Tips To Get Gold Loan

2019/02/25

Gold Loan is the latest and the fast catching way to get money for investments. Today many banks and financial institutions have started this facility where you can keep your gold ornaments with them and in return get money on loan. Gold is becoming the most precious metal day by day and the soaring prices of gold

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Definition Of Deposits In A Bank Account

2019/02/25

Bank account is used to receive and transfer money from one account to another. Bank statements provide information on all the deposits and withdrawals made by account holder. Information on various transactions can also be checked by using the online banking facility provided by many

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Definition Of Debits In Bank Accounts

2019/02/25

A bank account can be used for performing various transactions. An individual can deposit and withdraw money from his/her bank account.  Bank account can also be used to make payments to third parties.A bank offers different facilities like check and ATM card to its account holders which can be used to conduct various account related transactions.

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Cardinal Theory Of Consumer Behavior

2019/02/25

Cardinal theory of consumer behavior is an economic concept which analysis consumer choices, based upon satisfaction gained from consumption. It is a utility based theory which works on the assumption that satisfaction can perhaps be measured and based

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How To Save Money And Secure Your Future

2019/02/25

Married life can be a happy married life if both the partners take all the decisions mutually, but if it is question of financial planning then only husband is made responsible for the financial planning. This is not right even the wives should take active part in financial planning.Mutual consent of both the husband and wife in any

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Benefits Of Tax Free Savings Account

2019/02/25

The Tax Free Savings Account or TFSA is a new form of saving account introduced by the government that allows the citizens freedom from taxes for any earnings in the account like interest, dividends and capital gains. You will be satisfied to know that even withdrawals are non-taxable.The average American

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Benefits Of Same As Cash For Customers

2019/02/25

A customer purchases goods for cash or through other means like credit card and debit card. In case of companies payments are generally made through check. Vendors may offer credit period to their customers.Credit period is the period within which payment is required to be made by the customer to

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Benefits Of Household Budgeting Plan

2019/02/25

If you do not have a household budgeting plan, you will never be able to handle your finances in an efficient manner. There will also be chances of making wrong financial decisions. Lack of budgeting will always push you into difficult situations, where you may even have to look out

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How Divorce Can Effect Bankruptcy Proceedings

2019/02/25

A marital discord that leads to separation is bad not only for your emotional health, but it can also cause financial difficulties that might lead to bankruptcy. Going for bankruptcy and divorce at the same time is a complicated issue. If you are simultaneously on the verge of divorce and bankruptcy, it is necessary to consider whether divorce should precede

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How To Avoid Foreclosure

2019/02/25

There are plenty of things you can do to avoid foreclosure. The US laws have provided you certain legal rights in this regard, which you must be well aware of. If you are having difficulty in keeping up with your mortgage payments.This is the time you should either seek help from legitimate foreclosure prevention experts or should take

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How to Plan Before You File for Bankruptcy

2019/02/25

If you have realized that you are knee deep into the debt and the phone calls of the creditors are hurting your dignity so often, that filing bankruptcy seems to be the only work around, you need to hold your horses here. Many of us have a perception that filing bankruptcy would liberate from every single penny you owe.This is such a misleading concept that when you will

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About Your Legal Rights On Credit Scores

2019/02/25

You have a right to view your credit reports and to dispute any discrepancies. In fact, federal laws require the credit reporting agencies to provide you with a free credit report once in 12 months. There are more consumer laws to protect you as a consumer. Learn more here.The Most Important

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A Few Tips On Money Management

2019/02/25

How can I manage my money ? This is a million dollar question being sought after by many youngsters who start earning. Learning about basic financial management helps in becoming financially literate and proves handy in managing  one’s income.Money Management Tips

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Tips To Use Secured Credit Card

2019/02/25

To know all the ins and outs on how you will use a secured credit card, you will first have to know what a secured credit card is. A secured credit card is a card that gives you credit only if you have an account with the bank. Now you are thinking why it will

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7 Useful Tips To Improve Your Credit Score

2019/02/25

There are plenty of things you can do to improve your credit score. Credit or FICO score plays a very important role in everybody’s financial life. If you have an impressive credit history with a high score, you can easily qualify for lower rates

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7 Useful Tips To Improve Your Credit Score

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How To Choose Best Consumer Credit Counselor

2019/02/25

If you have lost control of your finances and are unable to handle your debt problems on your own, you probably need credit counseling help. The good news is that debt help is widely available and easily accessible. The bad news is that you may get so overwhelmed with the wide array of choices you have that it may become difficult to choose the best

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6 Tips For Identity Theft Protection

2019/02/25

In this age of Internet, where most financial transactions take place electronically, it is very important for everybody to take preventive measures in order to ensure identity theft protection. Even a seemingly very small mistake, such as clicking a link on an unreliable website or misplacement of the copy of an important document, can turn out to be very risky

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5 Smart And Easy Debt Reduction Tips

2019/02/25

Debt reduction is a process that requires a realistic plan and strong financial discipline. You have to be well committed and consistent with your approach. In fact, you may even have to be ready to practice frugality for a couple of months, especially while you are dealing with mounting, overwhelming debt problems.Once you get some control over your debts and your finances

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How To Get Debt Consolidation Loans

2019/02/25

If you are struggling with your finances and your debts have become overwhelming, debt consolidation can prove to be a good solution. There are various methods to consolidate debts. You can choose the right option depending upon your specific

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5 Factors Used To Determine Your Credit Score

2019/02/25

FICO score or credit score of an individual is calculated based on a mathematical formula. The formula takes into account various factors like your promptness of making monthly payments, total revolving credit available to you, and other factors. The exact formula for calculating the credit is not publicly available

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5 Factors Used To Determine Your Credit Score

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How to Stay Away From Debt

2019/02/25

A life full of debts is the worst thing that can happen to anyone. We should learn to control ourselves and spend within our limits. People usually cannot stop themselves from buying those things of which they are fond of no matter how expensive these things are. They even do not hesitate to borrow money to purchase them.Car, iPod, laptop, electronic gadgets, latest and

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How To Minimize Your Investment Risk

2019/02/25

People place their money in investments to increase their wealth. However, these investments are not without risks. You should be mentally and emotionally strong to face the outcome of your investment. Sometimes you have to bear losses along with profits also.Risk involved in investment cannot be removed but it can certainly be reduced. The best way to minimize the risk

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4 Crucial Tips For Financial Freedom

2019/02/25

Everyone dreams to achieve financial freedom, but not many people know how to accomplish it. A thorough financial SWOT analysis often proves to be very helpful in this regard.While you are doing a thorough review of your current financial situation, you must focus on identifying the risk factors (Threats), opportunities, your weaknesses

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10 Useful Ways To Create Powerful Personal Brand

2019/02/25

When you hear the names like Bill Gates, Steve Jobs, Sachin Tendulkar then next word which will come to your mind are Microsoft, Apple, cricket respectively. These men and other men like them have turned their name into a brand name. They are as popular as their corporations, their game. If you are in sales then creating your brand name is of prime importance

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A Guide To Duties Under NAFTA

2019/01/08

NAFTA or ‘The North American Free Trade Agreement’ is a trade treaty between the countries of Mexico, Canada and United States. NAFTA has been bestowed with huge economic and political powers that make it comparable to the European Union.The treaty was first established on the 1st of January 1994. Since then a number of other changes have been

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