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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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How to Get Emergency Financial Help

2019/02/25

If you are surrounded by debts and need financial support then it is not wrong to ask others for help. It is better to clear your debts as soon as possible than allowing it to keep piling up. We land ourselves in financial trouble when we do not manage our money well. People who keep spending their money without knowing their limitations are the first to get into trouble.

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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 Fannie Mae personal-finance

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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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Vanguard Exchange Traded Funds personal-finance

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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

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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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Types of Derivatives in the Market personal-finance

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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 batteries

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How to Reduce Expenses personal-finance

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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 is

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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

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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 be

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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 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 start

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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 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 current

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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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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

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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

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