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Articles about free financial (0-50 of 29336)

  • Single Moms - Are You Looking For Free Financial Aid For College?
    By: Michael Kohler | - Single moms all over this nation are currently looking for ways to increase their financial stability within this marketplace. Jobs are becoming less available and the thought of losing their job means the thought of their families suffering because they have nowhere to provide. Here are a few ways that a single mom can access financial aid options for college.

    Finding financial aid to go back to school can be a tricky task. Often times, single moms are overwhelmed by the thought ...

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  • Success Follows Your Passion- Earn Your Way
    By: Ranju Kumar | - You know you must challenge the way you think to achieve success as an entrepreneur, so let us examine the second challenge you must accept. This is to find your own personal challenge, based on your own vision of business success.

    This may sound a bit esoteric at first, but let me bring it into practical terms. Finding your personal challenge is the main challenge you have to meet. It is the source of the motivation and drive you will need, if you want to claim your success. Reme ...

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  • Success: Character Building And Beyond
    By: Ranju Kumar | - To build success, In addition to building your character you must develop yourself physically, mentally, spiritually, financially and socially. These five areas speak directly about who you are and your character. When any of these five areas becomes out of balance, your character becomes out of balance.

    For example, maybe you love to exercise but, as you get busy, you let exercise slide and you begin to feel worn down. This gets you out of balance physically.

    If yo ...

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  • Get Out Of Debt - How To Pay Off Your Home Loan In Less Than 10 Years
    By: Suzie Crawford | - As long as you need to buy goods and services to survive, you need money. As long as you have used other people's money to buy goods and services, you need money to repay that debt. As long as you desire to buy more goods or services, or enjoy the finer things in life, you need money. As long as you plan for a good retirement, you need money.

    Imagine though, if you could be in a position that you did not need money. Imagine that you had enough money to not only buy all the goo ...

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  • Advantages Of Spread Betting
    By: Thomas Bainbridge | - In the aftermath of the credit crunch, investors are learning from past mistakes and deciding to take greater control of their finances.

    Opportunities in fluctuating markets, tax efficiency and planning investments for the future are all motivating forces.

    Yes it takes time but the majority of readers would probably benefit from more financial planning, more research or even just taking at little time to think about their investment aims and objectives.

    Hav ...

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  • Trading After The Credit Crunch
    By: Robert Thomas | - As the major economies start to stabilise and the risk of a depression thankfully recedes, many people are reflecting on a few important issues. Firstly, how did it happen? Secondly, how can you better protect yourself in the future?

    Few would argue against the importance of fiscal planning and research. Opportunities in fluctuating markets, tax efficiency and planning investments for the future are all motivating forces.

    It looks like many people are turning away from ...

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  • Financial Spread Betting
    By: Robert Thomas | - Financial Spread Betting is a rapidly growing area of investment that does not require the parties involved to exchange, or even own, the assets they are speculating on.

    Spread betting is generally easiest to think of as a bet on the value of an asset, such as stocks and shares, to either increase or decrease at some specified point in the future.

    A bet on the value to increase is usually called a Buy bet or a Long position, whereas a bet on the value to dec ...

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  • 10 Quick Tips That Will Help To Save Money
    By: Daniel Major | - Everyone would like to save money if they can and wherever they can and it becomes ever more important when finances are tight so to get you started there are ten tips listed below that are simple to easy to implement and are sure to save you money.

    1. When looking at making a large purchase, consider whether or not you actually need it! Sounds like a strange way to save money but if you are anything like me your garage, attic and kitchen cupboards are probably full of stuff that ...

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  • Need Free Help For Financial Recovery
    By: iamverybroke | - The current economy is affecting your or someone you know. The worldwide economic downturn has millions of people looking for work and trying to pay their mounting debts. These people sometimes feel alone while they experience desperation. During these times they cannot afford professional help but now they have a resource where they can get free financial help.
    When people get trapped in a financial bind, it starts a debilitating effect that not only money can solve. Loneliness, combi ...

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  • Success Meet The Challenge Of Change
    By: Ranju Kumar | - Once you have changed the way you think and have found your business challenge, you are ready to face the third and final challenge. The final challenge is to accept that becoming an entrepreneur can change your life forever.

    You have to make a choice between your old life and your new life as an entrepreneur. At this point, you have two choices. You can continue working at your old job or operating an existing business or you can accept this new challenge and begin a new life of ...

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  • The 3 Ds Of Entrepreneurial Success
    By: Ranju Kumar | - We dream about what we would like to accomplish and achieve, but we never get beyond our dreams. We never bring them into reality. Most of us never move from curious to serious we just stay curious our whole life and let success pass us by.

    To move into that prosperous 5% of the people who are building their dreams, you must get serious and claim your success. In other words, you must make a commitment to claim success.

    Another way of looking at this is what I call ...

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  • Understand The Causes Of Foreclosure
    By: Ranju Kumar | - Foreclosure is the process by which a lien holder takes back ownership of property because the homeowner has failed to repay the money taken. A homeowner is typically foreclosed when they fail to pay 3 or more payments. The amount of time it actually takes for your lender to auction off your property varies greatly.

    The basic causes of foreclosure are:

    Number 1: Divorce" Make sure you know who is on the warranty deed and whose signatures will be needed if you do a ...

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  • What You Should Know About Short Sale
    By: Ranju Kumar | - When an owner can longer afford to keep mortgage payments current, there are alternatives to bankruptcy or foreclosure. One of those options is called a short sale.

    Short sale is usually the last step taken by the bank to recover losses from a defaulted mortgagor. When lenders agree to a short sale, it means the lender agrees to accept less than the total amount due. They are willing to forgive a certain amount of debt or deficiency. However, not all lenders will accept a short sa ...

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  • Free Social Network A Resource For The Unemployed And Financially Troubled
    By: iamverybroke | - It is well documented that unemployment and times of financial distress precede an increase of abuse and suicides. According to University of Buffalo sociologist, Sampson Blair, the potential is 2-3 times higher than for those who are not going through the stress of being jobless. A sense of isolation and helplessness leave people feeling as though they have nowhere and no one to turn to. Thankfully, that is changing. There is now a free social network that is designed specifically for the u ...
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  • Tax Investments And Retirement Plans
    By: Ranju Kumar | - The type of investments you can make with your IRA dollars depends on the custodian, but you generally have many more investment options with an IRA than you do with any of the employer sponsored investment plans.

    The Keough plan is available to individuals who work for an unincorporated business or are selfemployed. You can contribute up to 25% of your earned income up to a maximum of $30,000. All contributions are tax deductible and your earnings accrue tax deferred. You can co ...

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  • Different Layers Of Business All Around The World
    By: Ranju Kumar | - In the United States, we have two types of partnerships, several types of trusts, and two types of corporations.

    There are basically two types of partnerships:
    General partnerships unlimited liability
    Limited partnerships limited liability

    The members of a general partnership are 100% liable. Limited Partnerships, on the other hand, limit the degree of exposure. If you put $100,000 into a Limited Partnership, thats the total risk. You are only riski ...

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  • Invest Money To Change Your Lifestyle
    By: Ranju Kumar | - What comes in to your mind when you mention the word investing? Do you think of putting your money in insurance, mutual funds, the stock market or even highyield investments? Does it make you think you need to learn how to invest in stocks or real estate?

    The word invest is defined by Webster as 1 : to commit (money) in order to earn a financial return 2 : to make use of (anything) for future benefits or advantages.

    Some people think about financial investing only w ...

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  • The Best Way I Know To Improve Your Financial Situation
    By: Ranju Kumar | - How about EQ or Emotional quotient? Do working hard, having a great attitude and a positive mindset solve our financial situation? These are important when running a business, but let me illustrate:

    If you are driving from Miami to New York using the wrong road map, you wont get to your destination no matter how fast you drive your car (working hard)! You can work harder, but you would only get to the wrong destination faster! You may have the best attitude in the world or the mos ...

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  • Debt Advisor Who Can Help You Come To Terms With Your Debt Problems
    By: debtadvicetrust | - The Debt Advice Trust is a non-profit debt helpline manned by trained debt advisors; when you call, you will be able to speak confidentially to a debt advisor who can help you come to terms with your debt problems and offer a range of solutions to help you become debt free as quickly as possible.

    There are many different types of debt assistance available to those in debt and identifying the most suitable for you can help enormously on your way to debt freedom. Of course, when you ...

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  • Attaining Financial Independence Through Network Marketing
    By: Lynda Mekalick | - Is it truly possible to become financially independent using the network marketing platform? I believe that it is. But there are several important components which need to be in place in order for this to happen.

    I am passionate in my belief that an excellent network marketing company will offer a funded proposal system. In my opinion, this is an absolute must, no exceptions.

    The absolute ideal is a company which actually offers themselves; their training platform, ...

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  • How To Become Debt-free And Own Your Own Paycheck Again
    By: Nickolove Lovemore | - Becoming debt-free is something which may aspire to but few achieve. If anything many people seem to slide further and further into debt despite their good intentions.

    "How to Own Your Own Paycheck Again" written by Leo J Quinn, Jr is not just suitable for someone who is currently struggling with debt. It offers information for anyone seeking education on how to avoid some of the many pitfalls that cause so many people to end up in debt. It also provides lots of advice on how to n ...

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  • Uk Markets And Gold Trading
    By: Robert Thomas | - It seems to me that there is very little actually going on out there on the political front. Nobody seems to be coming up with any wonderful new ideas about getting us out of the current mess and even the opposition seem to be going through the yah boo sucks motions. This is actually rather unnerving as though our lords and masters are waiting for some further piece of disastrous news just hanging over the horizon.

    The last rate cut seemed to be a very strange affai ...

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  • Learn How To Avoid Bankruptcy And Become Debt Free
    By: Devora Witts | - Many events may drive you to bankruptcy. Actually, except in certain situations, bankruptcy is nothing but the result of a buildup of unfortunate financial decision and unexpected events. Nevertheless, there are ways to prevent it and to keep debt at a reasonable level in order to maintain a healthy financial situation.

    Planning Ahead

    Unless you are a fortune-teller, you can not foresee what is going to happen in the future. Therefore, you should start preparing fo ...

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  • The Gold Safe Haven And Spread Betting
    By: Robert Thomas | - On September 11 gold was trading at its lowest level since October 2007. Many thought that the precious metal had finally lost its appeal as a safe haven investment.

    As we know, in 1979 the sharp gold rally to its previous record high of $850 saw a price correction which moved just as quickly as the rise itself. Back then the price of gold fell almost 50% in 2 years.

    Talking to a number of spread betting companies recently I found out that despite gold hitting an ...

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  • Debt Consolidation: Different Alternatives For Becoming Debt-free
    By: Melissa Kellett | - When it comes to debt consolidation, there are many different financial products for every consolidation need. Not all situations can be solved by requesting a debt consolidation loan and sometimes, debt consolidation loans can be more beneficial than debt consolidation programs. Learn when you should use each one.

    Debt Consolidation Loans

    After you have paid all the minimum payments allowed on your credit cards, your bills and everyday expenses you have got almost ...

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  • Four Simple Tips That Guarantee You'll Get Out Of Debt
    By: Melissa Kellett | - If you are having difficulties paying your bills, if you cant meet the minimum payments on your credit cards, if youre receiving threatening calls from debt collectors, it may be time to get yourself committed to eliminating your debt. By following this advice youll be able to become debt free in a short time and stay on the right track to avoid having to suffer all the above annoyances anymore.

    Many people go through the situation youre experiencing now; almost every ...

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  • Get On The Prosperity Train Or Sink On The Debt Boat!
    By: Josh Liteky | - We are facing a critical economic and financial situation in our country today, and unless the majority of us make some serious adjustments to our financial situations, we are going to sink. I am not saying anything that most people don't already know, however, it seems that for many of us, things have to get so bad before we even acknowledge that there is a problem...well, HOUSTON, there is a problem.

    I heard that the Chinese have the same word for "Crisis" and "Opportunity." F ...

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  • Estate: Protect Your Beneficiary's Inheritance
    By: Jeffrey Voudrie | - An inheritance is the precious fruit of years of labor. It is an expression of love. Nowadays, more than ever, an inheritance is something that should be protected. All too often, inheritances are squandered or lost because of a lack of planning by those giving it. Read on to discover how to easily change that.

    There are many dangers that can threaten the inheritance you leave your children or heirs. The number one concern of many of the people that I talk with is that an inherit ...

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  • Estate: Your Questions Answered - Can You Stretch A 401k?
    By: Jeffrey Voudrie | - A reader recently asked if his 401(k) could be rolled over, by his beneficiary, to a 'stretch' IRA after his death. Read on to discover an answer that will protect your beneficiaries from tens of thousands of dollars in unnecessary taxes and keep your gift to them alive for generations to come.

    Whether or not your beneficiary can rollover your 401(k) at your death (and subsequently stretch it) depends on who your beneficiary is and the terms associated with your company plan. Bas ...

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  • Annuities: Rising Interest Rates: Another Reason To Avoid Equity-indexed Annuities
    By: Jeffrey Voudrie | - Rising interest rates are another reason to avoid Equity-Indexed Annuities. If you are retired or near retirement, don't let yourself be talked into purchasing an Equity-Indexed Annuity. If you do, it could easily be a decision you regret for many years to come.

    I've been called 'a lone voice in the wilderness speaking out' about the dangers of equity-indexed annuities. It seems that everywhere you turn there is an advisor or insurance agent telling you an equity-indexed annuity ...

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  • Estate: Your Questions Answered - Health Savings And Power Of Attorney
    By: Jeffrey Voudrie | - Q. Jeff, I want to ask your opinion regarding Health Savings Accounts. On April 1st, the company I work for is changing our current Blue Cross health insurance to Guardian Insurance set up as a HRA. I am single and currently have a $500 deductible. Under the HRA, the deductible will be $2,000.

    Currently, the premium is split 50/50 between employer and employee. I pay $205.00 per month. Under the HRA it will still be split 50/50, but the employer is going to fund each employee's P ...

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  • Investing: It's Your Money Take Control Of It!
    By: Jeffrey Voudrie | - One of the biggest mistakes I frequently see investors make is needlessly losing control of their money. Any time you pay a hefty commission or face surrender penalties in order to get YOUR money you lose control. Losing control severely limits access to YOUR money and limits your flexibility to make changes. This can trap you in an under-performing investment adding years to the time needed to reach your goals.

    Whose money is it? Is it your broker's, banker's or insurance agent' ...

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  • Estate: Beyond The Living Will
    By: Jeffrey Voudrie | - Living wills have received a great deal of attention due to the recent Terry Schiavo situation. Because her end-of-life wishes were in dispute, family members battled each other in the courts over her treatment and care. By having a proper Living Will, you can avoid such confusion. But a Living Will doesn't ensure you have all your bases covered. There are other equally important documents you must have in place.

    A Living Will deals with end-of-life issues. But what if you're inca ...

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  • Annuities: Don't Put Your Ira In A Variable Annuity Part 2
    By: Jeffrey Voudrie | - If you're getting ready to retire with a large IRA rollover, or your current IRA account is nearing the end of any surrender penalties, chances are you'll be pitched this product. So this week I'm going to reveal more secrets about the truth behind the variable annuity sales pitch.

    One of the biggest draws advisors use to get you to take the plunge is the promise of the big bonus. They'll pay you 6%, 8% or even 10% extra, right up front, just for putting your money into their var ...

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  • Investing: Keep Up Your Guard
    By: Jeffrey Voudrie | - Do you like being taken advantage of? I sure don't. In fact, I hate it! Worse, it seems like it is happening more and more. Now, more than ever, it is buyer-beware. Read on for some specific examples and to learn how you can protect yourself.

    Trust is involved when we buy a company's products of services. Companies spend millions of dollars a year in advertising trying to gain our trust. Employees, especially salespeople, are trained in what to say to build our trust in them and t ...

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  • Estate: To Trust Or Not To Trust . . . That Is The Question!
    By: Jeffrey Voudrie | - Living Trusts have become very popular and are being heavily promoted to seniors. Should you Trust or not Trust? That is the question. Read on to learn some simple guidelines that will help you know whether a Living Trust may be right for you and how to go about getting one if needed.

    A Living Trust is considered a separate legal entity much like a corporation. As a result, any assets 'owned' by the Trust at your death avoid Probate and can pass to your heirs simply and easily. I ...

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  • Estate: Afraid Of Losing Your Home To Medicaid?
    By: Jeffrey Voudrie | - Doris from Minnesota is considering transferring her assets to her son so they won't be lost to Medicaid should she need assisted-living or nursing home care. Is that the right move?

    One of the greatest financial risks seniors face is the rising cost of healthcare, including the cost of custodial care in an assisted-living facility or nursing home. And seniors are worried about this. They've worked hard all their lives to build a nest egg and they shudder at the thought of it bei ...

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  • Annuities: Equity-indexed Annuities: Putting Lipstick On A Pig
    By: Jeffrey Voudrie | - I believe that Equity Indexed Annuities and the sales practices used to sell them may well be the Next Big Investment Scandal you will hear about. You need to understand why and to think twice before you purchase one of these products.

    We have seen many scandals the last few years relating to mutual funds, variable annuities and more recently, to insurance companies. The common theme in all of these scandals has been the existence of hidden conflicts of interest.

    ...

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  • Estate: How Do You Like These Odds?
    By: Jeffrey Voudrie | - Are you a gambler? Do you like to play the odds? Here are some real-life odds for you to consider: 90% of people become incompetent before they die! Of course, your spouse might not think you're of sound mind right now, but that's beside the point! If you don't take action, you could needlessly cost your spouse thousands of dollars and countless headaches in order for them to make decisions on your behalf.

    Competence refers to the ability to make rational decisions about your affa ...

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  • Estate: Don't Rely On Medicaid For Long-term Care
    By: Jeffrey Voudrie | - Millions of retirees expect to rely on Medicaid to cover the cost of their long-term care needs. If you or your parents have that expectation then you must read this article. You shouldn't rely on this program and by doing so you may end up becoming dependent on family and friends for care.

    Medicaid is a government program designed to provide medical care for those who are impoverished. The costs for this program are exploding. Federal Medicaid expenditures now account for the fif ...

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  • Estate: Do You Need A Trust Or Foundation?
    By: Jeffrey Voudrie | - Trusts and private foundations aren't just for the rich and famous like Warren Buffet or Bill Gates. Nowadays, even people of modest means are realizing the great benefits trust and foundations can provide. Read on to see if you can, too.

    There are many different kinds of trusts and foundations, but they all share a common element--control. Using them, you can control what happens to your assets while you are alive, in the event of incapacity and for generations to come.
    ...

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  • Estate: When A Will Isn't The Way
    By: Jeffrey Voudrie | - Many people have the mistaken impression that their Last Will and Testament determines what happens to their possessions when they die. As John, a reader in Maryville, TN learned, that's not necessarily true.

    Time and time again we are told about the importance of having a Last Will and Testament (Will). What's a Will, we ask. It tells who gets what when you die,is the classic response. So we come away thinking that by taking the time to draft our Will that we have put our affair ...

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  • Investing: Master Limited Partnership: Don't Fear A K-1
    By: Jeffrey Voudrie | - It's tax time again! This is the time that we anxiously watch our mailboxes for the arrival of the documents we need to complete our income taxes. For most, their interest income is reported on a 1099. Other investments, such as partnerships, generate a K-1. Many think a K-1 complicates your taxes and should be avoided. I disagree. Read on to find out why.

    There is a whole class of investments that has been avoided by income-oriented investors for many years. They are called Maste ...

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  • Annuities: Are Low-cost Annuities A Good Choice?
    By: Jeffrey Voudrie | - I've disliked variable annuities for many years because of their high fees and onerous surrender penalties. Now, low-cost variable annuities are available that slash fees and do away with the surrender penalties. Does this change my opinion on the use of variable annuities? Read on to find out.

    There is $1.8 trillion dollars invested in annuities and a lot of that money is in variable annuities. To put this in perspective, there are $2.1 trillion in 401(k) assets. That's right. Th ...

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  • Annuities: Why You Shouldn't Annuitize
    By: Jeffrey Voudrie | - As more companies do away with their pension programs, the insurance industry and the media are heavily promoting the use of immediate annuities to provide a dependable income stream during your retirement. But is that in your best interest? Normally, I say it is not. Read on to find out why.

    An immediate annuity is one where you pay an insurance company a lump sum in return for a stream of income. You can decide if the income stream is guaranteed for a certain number of years (pe ...

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  • Annuities: Annuities? Give Me A Break!
    By: Jeffrey Voudrie | - Millions of seniors are sold equity-indexed and variable annuities with promises of guaranteed returns with little or no risk. And hardly a day goes by that I don't hear from some frustrated investor who finds him/herself trapped by one of these investments. Let me paint a very clear picture of the dangers of these products and share some pointers for those who have already bought one.

    Annuities (especially equity-indexed annuities) are the product of choice for insurance agents a ...

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  • Annuities: Equity-indexed Annuities: The Investment From Hell
    By: Jeffrey Voudrie | - If you were nearing the edge of the cliff and didn't know it, would you want someone to warn you before it was too late? Of course you would. That's been the guiding principle of this column, to inform everyday investors of the pitfalls that could cause them and their nest egg irreparable harm.

    I've been hearing from many of these investors lately. Some of them got the message before they stepped off the cliff. For others, the warning came too late.

    Over the past se ...

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  • Want To Live Debt Free? These Tips Will Help
    By: Bruce Hokin | - Do you dream about being debt free some day? This can be a reality if you follow some basic rules and do what it takes. To start down the road to financial freedom you need to do a few things first. Are you ready? Let's go.

    Tip #1. You need to admit there is a problem.

    Is there not enough cash coming in or is it spent too quickly, or both? Is the money being spent on non-essentials? Is the income being spent unwisely on luxury items that you cannot really afford? D ...

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  • Investing: Get Free Answers To Your Financial Questions
    By: Jeffrey Voudrie | - Sometimes it is the little things in life that really make the difference. That's especially true then when it comes to dealing with financial matters. Decisions about who to trust, what to invest in, making gifts or the type of insurance to buy all have long-term consequences--and often unintended results. There are many times that a simple answer from a professional would have made all the difference. And now you can get that answer free of charge.

    I've written over 160 articles ...

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