The 10% Rule for Investing

August 21, 2012

Everyone loves the idea of hitting a home run as an investor – buying the next Apple (APPL) when it’s at $10 a share and watching it climb to $100, then $200, then split, then climb to $300, $400, $500, etc.  That $10 investment can quickly become worth hundreds or even thousands of dollars. Unfortunately, for […]

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New Rules for Bank Overdrafts- Did You “Opt-in”?

August 10, 2012

In the past, banks could automatically enroll their customers into overdraft protection plans for checking accounts.  The protection plans typically allowed checks and debit card transactions to go through even if you’ve spent all of the money in your bank account.  If you overdrew your account, you would simply be charged an additional $25 to […]

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Inheritance; Your Financial Options

August 9, 2012

Aside from the obvious grieving period, the aftermath of the passing of a friend or relative can be a stressful period for another reason – namely, the process of dealing with any inheritance and the pressure of what to do with it once it is obtained. However, used wisely an inheritance can make a substantially […]

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Are You Planning a Move Over the Pond?

July 26, 2012

Life changes don’t come much bigger than moving to another country and as such the decision to move overseas is not one made lightly. If you are considering moving over the pond to the UK, whether because of marriage, divorce or because of business, it pays to be aware of the property market over there.  […]

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Jam Jar Accounts: Will They Set the Standard in Smart Banking?

July 23, 2012

Over the last few years, various people have been badly affected by the economic downturn. It has not been kind on many people’s finances, so a lot of people find themselves relying on overdrafts and credit cards to respond to rising living costs. However, a number of banks, as well as the British government, are […]

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Five Things to Look for When Opening a Savings Account

July 20, 2012

Are you considering opening a savings account? These tips can help you find the best savings account for your needs, regardless of whether you are a financial pro, or if you are just starting your path to savings. For beginners The savings account landscape – both in Australia and across the rest of the world […]

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Maximizing Your Savings Returns

July 17, 2012

Remember when you were ten years old and you started a savings account and had your very own pass book? You put your allowance or paper route money into the account and earned seven percent interest. You thought it was so cool that after a year your fifty dollars became $53.50. Of course, at that […]

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Should You Buy Private Mortgage Insurance?

July 6, 2012

Real estate prices are hovering at levels we haven’t seen since around 2006, or right before the real estate bubble. Many people are saying now may be a good time to buy a house, and for may people it is – provided they are prepared for it. The Wall Street Journal has a great resource […]

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Who Needs Life Insurance?

July 6, 2012

Do you need life insurance if you don’t have dependents? This seems like easy questions to  answer, but each situation is actually specific to the person asking it. The first thing we need to do is explain that life insurance exists for the benefit of your survivors. Does that mean you shouldn’t buy life insurance […]

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Ready, steady, BUY! Things to Consider Before Buying a Home

June 18, 2012

Buying a home is a balancing act. In addition to location, school districts, and size, you’ll have to throw the all-important money question into the mix. “How much house can I afford?” But what many homeowners don’t stop to consider is that when you buy can be just as important as how much you buy. […]

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