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Insurance mistakes to avoid – Consumer Report

Posted by on Jan 30, 2014 in Your Money | 0 comments

You spend a lot of money on insurance to protect your home and vehicles. Don’t get caught short because you misunderstood how these insurance policies work. Here are four big gotchas to avoid. Car: You buy only the minimum Coverage Home: You fail to add coverage Renters: You assume you don’t need it Personal Liability: You don’t think your are a target.   Cover yourself from common key risk. For a  rundown of the most critical elements of car, homeowners, renters and personal liability insurance  Click Here. These tips will save you money and give you the piece of mind that you have the right insurance coverage to protect you and your love ones.    ...

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10 Tax Traps and Snares to Avoid in 2014

Posted by on Jan 10, 2014 in Featured, Your Money | 0 comments

Taxpayers can ring in 2014 knowing that they don’t have to wait on Congress to finalize tax laws affecting their 2013 returns. The American Taxpayer Relief Act of 2012 that was finally enacted on Jan. 2, 2013, made many tax laws permanent and extended other provisions through 2013. But the tax-related celebrations are likely to be short-lived. Here are 10 tax traps you need to watch out for in 2014. 1. Get ready to wait early in the year. The federal government shut down for 16 days last October, but taxpayers are still paying for it. The IRS says Jan. 31, 2014, is the earliest it will be ready to process individual tax returns. That date might even be pushed back to Feb. 4 in order for the agency to complete system updates and tests, which were interrupted by...

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Investing in Start-Ups Is Risky Business - Kiplinger

Posted by on Dec 13, 2013 in Your Money | 0 comments

Imagine touring dozens of online marketplaces that feature hundreds of investment prospects in start-up businesses. You choose ten or so companies, investing perhaps $1,000 each—and dream of getting in on the ground floor of the next Facebook or Twitter. Welcome to “crowdfunding,” a new asset class that offers big opportunities for small investors—and perhaps even bigger hazards. Under a new federal law, fledgling businesses will be able to raise small sums online from a lot of investors. “This provides entrepreneurs with a fresh way to raise capital,” says Ryan Feit, a founder of the crowdfunding Web site SeedInvest. For small investors, he says, sites such as his “make investing in start-ups as easy as buying a share of Microsoft.”   Read More...

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10 Best Public College Values, 2014 – Kiplinger

Posted by on Dec 12, 2013 in Your Money | 0 comments

We rank Kiplinger’s top 100 public colleges and universities based on measures of academic quality and affordability — among them, low student-faculty ratios, high graduation rates, reasonable price tags and rich financial aid, including need-based aid (grants, not loans) for students who qualify. These ten schools are the cream of the crop of that already-elite list. In 2014, tuition increases are slowing for in-state students at public colleges, but faltering financial aid means that the net price — what students actually pay Read more...

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Holy wow, you can actually swim like Scrooge McDuck in this bank vault

Posted by on Dec 12, 2013 in Your Money | 0 comments

People of Earth, dreamers of the universe and possible alien organisms of the beyond: you can swim like Scrooge McDuck in a Swiss bank vault in real life. Like, literally swim in money. This is incredible. A bank safe swimming pool filled with 8 million Swiss coins is being auctioned off to the highest bidder who wants to fulfill every person’s childhood (and adult) dream of swimming in money. …   …read...

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3 Things You Need to Do Now to Buy a Home Next Year | Credit.com

Posted by on Dec 11, 2013 in Your Money | 0 comments

With big changes coming to the mortgage industry at the beginning of next year, many consumers will want to evaluate their home-buying plans. Regulations drafted by the Consumer Financial Protection Bureau will change the definition of a qualified mortgage for any loan applications received on and after Jan. 10, and many consumers may find themselves unable to meet the new requirements. Qualified mortgages are loans that meet certain standards designed to ensure that borrowers are highly likely to be able to pay back the amount in question. Facing this challenge, it’s up to the hopeful homeowner to improve their chances of mortgage approval by doing the necessary research, improving their credit profiles and meeting the qualified mortgage standards well in advance of filling out loan applications. It’s important to meet qualified mortgage standards because government-sponsored enterprises (GSEs) like Fannie Mae and Freddie...

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