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  • 1. Your "Get Out of Debt" Step-by-Step Roadmap Views: 808
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    Terms of Use: Your Get out of Debt Step-by-Step Roadmap You've heard the old saying, live within your means. Easier said than done for some. The important thing is that you've reached a point where you realize your life would be a lot less stressful if you didn't have bills to worry about. Short of winning the lottery, what can you do? Here's help. Four rules to live by: 1. Be realistic! If you are spending $500 a month now on food, don't expect to cut your grocery bill t  More...
  • 2. The Money Express article series introduction Views: 239
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    Putting You in Control of Your Financial Life Click on me to replay. AC_VHost_Embed_1190(119,133,'FFFFFF',1,1,39726,0,0,0,'b1db03cc14e1ba20b0255c167fb51899',6); Managing money is a critical life skill that many of us have never really mastered. Good money management skills help you get ahead financially and help prevent others from taking advantage of you. That's where The Money Express comes in. It's Connection's way to provide useful financial information in understandable terms  More...
  • 3. Should I close my credit card if I'm not using it? Views: 122
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    Terms of Use: With annual fees and interest rates on credit cards, you may be wondering whether to close out an account you're not using. Some are also concerned about identity theft as well as the need to simply control the amount of debt. Whatever your reason for considering closing a credit card account, here are some things to consider: If you close out a credit card that has an unpaid balance on it, your available credit (or credit limit) on that card goes to zero. Your credit score look  More...
  • 4. 7 Success Principles for raising money-smart kids. Views: 109
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    Terms of Use Every day, consumers are learning new ways to get more value for their money. From different ways to pay-such as credit, debit or smart cards-to home banking and shopping over the Internet, people are realizing that they have more control over their money and more ways to use it. Parents and caregivers are uniquely positioned to teach kids the life skills, values and understanding they need to become smart consumers. The goal of this series of articles is to help parents and careg  More...
  • 5. How can I determine my tolerance to risk when deciding what to invest in? Views: 107
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    Terms of Use Determine Your Risk Tolerance This knowledge article is part of a series of knowledge articles aimed to help you define your roadmap to savings and investing. To review the previous knowledge article in this series, click here . To review the table of contents for the articles, click here . You are approaching the half-way point in your journey to saving and investing. This is a good point to make sure that you understand some key concepts: Savings Your savings are usually put i  More...
  • 6. Basics about Payday Loans and other check cashing services Views: 99
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    Terms of Use: Friendly looking people proclaiming the benefits. Smiling representatives, extending a hand. The ads for payday loans and check cashing services are appealing and perhaps you've been tempted to check them out. What is a payday loan? Payday loans are usually small, short-term, high-rate loans intended to get you cash before payday. The idea is that once you receive your paycheck, you'll pay off the loan. These loans may also be called cash advance loans, check advance loans or p  More...
  • 7. When can an insurance company consider my vehicle to be totaled and how is the market value determined? Views: 97
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    Terms of Use Your car will be considered to be totaled by the insurance company any time, usually when the costs to repair the vehicle exceeds the costs to replace it. If your vehicle is considered to be totaled, you can expect to receive the vehicle's market value. There are several standard guidelines for determining the market value of your car for insurance purposes. You and your insurer can refer to the Blue Book, which lists the depreciated value of all new and used cars. One Blue Bo  More...
  • 8. How can I teach my kids what interest is all about? Views: 95
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    Terms of Use This article is from a series of articles about giving your children the life-skills necessary to effectively manage their money. To go to the table of contents, click here . Understanding Interest Understanding interest is another important part of your family's financial education. Both the interest you earn on savings and investments and the interest you pay on your outstanding debt are good lessons for all children. When your child has learned to multiply, it's time fo  More...
  • 9. How can I protect myself from identity theft? Views: 91
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    Terms of Use: All that a thief needs to steal an identity is your name, address, social security number, and date of birth . This information is easily obtained from driver's licenses and/or checking accounts. To protect your identity, follow these tips: Minimize information in phone books: A great deal of personal information is listed in telephone or organization directories. Consider an unlisted phone number. If you list, give only your name and phone number. Do not list your addre  More...
  • 10. What are the rules regarding withdrawals from my 401(k)? Views: 90
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    Terms of Use Withdrawals are allowed from your 401(k) plan if they are considered to be a hardship withdrawal and they are allowed by the employer. Employers are not required to provide for hardship withdrawals. The IRS code that governs 401(k) plans provides for hardship withdrawals only if: (1) the withdrawal is due to an immediate and heavy financial need; (2) the withdrawal must be necessary to satisfy that need (i.e. you have no other funds or way to meet the need); (3) the withdrawal mus  More...
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