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Identity Theft Statistics
2008-06-09 01:00:00
(http://www.money-zine.com/Category/Debt- Consolidation/)If you don't think identity theft is something you need to worry about, consider this - recently published statistics on identity theft indicate that nearly 4% of the American adult population claimed to be a victim of identity theft in 2005. Furthermore, one study indicates that the average amount of money obtained by the thief was nearly $1,700.
More About: Debt Consolidation , Identity Theft , Statistics , Theft , Identity

Proxy Contest
2008-06-02 01:00:00
(http://www.money-zine.com/Category/Inves ting/)In May of 2008, Carl Icahn launched a proxy contest in an attempt to replace Yahoo Inc.'s board of directors. If you own shares of stock in a company that's involved with a proxy context, then it's important to understand how that contest can affect the price of that stock.
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High Paying Careers
2008-06-01 01:00:00
(http://www.money-zine.com/Category/Findi ng-a-Job/)Let's face it, if given the opportunity most of us would choose the highest paying career possible. We live in a world where money is exchanged for goods and services and that means a higher paying job allows us to buy more of the things we need or want.
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Variable Annuities
2008-05-26 01:00:00
(http://www.money-zine.com/Category/Retir ement/)A variable annuity is a contract with an insurance company in which the insurer promises to make a series of payments to the contract holder. And unlike a fixed annuity that guarantees a series of fixed dollar payments, the value of a variable annuity will depend on the performance of the investments chosen.
More About: Retirement , Annuities

Identity Theft Regulations
2008-05-19 01:00:00
(http://www.money-zine.com/Category/Debt- Consolidation/)A number of identity theft regulations were signed into law as part of the Fair and Accurate Credit Transactions Act (FACT Act). In particular, FACT Act requires financial institutions and creditors to develop and implement written identity theft programs by November 1, 2008.
More About: Debt Consolidation , Identity Theft , Regulations , Theft , Identity

Fixed Annuities
2008-05-12 01:00:00
(http://www.money-zine.com/Category/Retir ement/)A fixed annuity is an insurance contract in which the issuing company promises to make fixed dollar payments to the contract holder, the annuitant, for a pre-determined length of time. In return for payment of the contract premium, the issuing company also guarantees both the earnings on the account and the principal balance.
More About: Retirement , Fixed , Annuities

New Credit Scores
2008-05-05 01:00:00
(http://www.money-zine.com/Category/Debt- Consolidation/)In an attempt to better service the creditworthiness assessment market, several of the credit bureaus have announced what are termed thin-file credit scores for individuals with thin credit histories. By doing so, these credit bureaus allow lenders and creditors to reach an under-served market of Americans with little or no traditional debt payment records.
More About: Debt Consolidation , Credit , Scores

401k Losses
2008-04-28 01:00:00
(http://www.money-zine.com/Category/Retir ement/)On February 20, 2008, the U.S. Supreme Court ruled that individuals have a right to recover 401k losses based on what were considered fiduciary breaches. This landmark decision means that the 50 million Americans participating in a 401k plan now have a right to recover their loss if plan administrators don't fulfill what's considered their obligation to participants to manage their plans wisely.
More About: Retirement , Losses

Mortgage Brokers
2008-04-21 01:00:00
(http://www.money-zine.com/Category/Buyin g-a-Home/)If you're thinking about buying a new home, then you may have considered working with a mortgage broker. Many borrowers believe mortgage brokers can lend a helping hand when it comes to finding the best deal on a mortgage. But as we'll see, a mortgage broker may not always have the borrower's best interests in mind.
More About: Brokers , Mortgage , Mortgage Brokers

Short Selling Stocks
2008-04-14 01:00:00
(http://www.money-zine.com/Category/Stock s/)The term short-selling stock refers to the practice of selling securities that you do not own. Investors will short-stocks when they believe a stock's market price is going to decline. The process of short selling involves borrowing stock from a brokerage house to sell in the stock market. At a future date, you repurchase the borrowed stock and that step in the process is called a short cover.
More About: Selling , Stocks , Short Selling , Short

Successful Stock Investing
2008-04-07 01:00:00
(http://www.money-zine.com/Category/Stock s/)Investing in the stock market is both a rewarding and a risky proposition. Many investors are quite comfortable knowing their mutual funds are professionally managed, and the diversification of those portfolios has kept risk to a minimum. But for other investors, selecting individual stocks provides both a sense of control and satisfaction.
More About: Stocks , Stock Investing

Future Value Annuity Calculator
2008-03-31 01:00:00
(http://www.money-zine.com/Category/Retir ement-Calculator s/)This calculator can help you figure out the future value of a retirement account, as well as three possible annuities that could be funded using this money. Specifically, this calculator takes into consideration a fund's current balance, the size, and the duration over which payments will be placed into this fund. The resulting future value of this fund is then converted into three annuity terms: 20, 25, and 30 years.
More About: Future , Annuity

Credit Default Swaps
2008-03-24 00:00:00
(http://www.money-zine.com/Investing /Inve sting/)One of the more interesting developments in the world of credit derivatives is the credit default swap, or CDS. First used by bond investors as protection against default by the issuer of a bond; today these instruments are used by investors to fine tune their overall exposure to corporate credit, as well as for speculation.
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Present Value Annuity Calculator
2008-03-17 00:00:00
(http://www.money-zine.com/Category/Retir ement-Calculator s/)This present value of an annuity calculator can help you figure out the worth of a stream of payments extending into the future. By taking the annual payment, number of payment periods, and the interest rate (or discount rate) of the annuity, this tool can calculate the value of that annuity stated in terms of today's dollars.
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Owning a Home
2008-03-10 00:00:00
(http://www.money-zine.com/Category/Buyin g-a-Home /)Everyone realizes that home ownership is a very big financial step. And if you need to borrow money to buy a home, you should also understand the serious financial commitment you've made to your mortgage company. But to really appreciate the total cost of owning a home you need to look beyond your mortgage.

Immediate Annuity Calculator
2008-03-03 00:00:00
(http://www.money-zine.com/Category/Retir ement-Calculator s/)This immediate annuity calculator can help you figure out the fixed payments you'll receive from this type of retirement investment over time. An immediate annuity is a retirement income investment option typically offered by insurance companies. With this type of annuity, a large sum of money, or premium, is paid in exchange for a stream of income that continues for as long as you live. This calculator provides the user with monthly, quarterly, as well as annual payments.
More About: Annuity

Final 403b Regulations
2008-02-25 00:00:00
(http://www.money-zine.com/Category/Retir ement/)Only July 26, 2007, the Treasury Department in conjunction with the IRS released a finalized set of 403b regulations. With a history dating back to the 1950's this rulemaking effort was nearly 50 years in the making, and provides 403b participants with some long-awaited guidance.
More About: Retirement , Final , Regulations

Annuity Payment Calculator
2008-02-18 00:00:00
(http://www.money-zine.com/Category/Retir ement-Calculator s/)This annuity calculator can help you figure out the fixed payments you'll receive from this type of retirement investment over time. The calculator uses the starting principal balance, the interest rate received on the annuity, and the payment period to calculate annual annuity payments. The calculator also displays the declining balance of the investment over time.
More About: Payment , Annuity

Treasury Inflation Protected Securities
2008-02-11 00:00:00
(http://www.money-zine.com/Investing /Inve sting/)First authorized in 1997, Treasury -Inflation Protected Securities , or TIPS, are securities issued by the U.S. Treasury whose principal is linked to the Consumer Price Index. TIPS offer investors the opportunity to buy bonds (http://www.money-zine.com/Investing/Inve sting/Investing-in-Bonds-and-Bond-Funds/) , while at the same time protect themselves against inflation.

Tax Friendly States
2008-02-04 00:00:00
(http://www.money-zine.com/Category/Tax-S helter/)In this publication we're going to discuss the topic of tax-friendly states. That point of view will be from both a residential standpoint, as well as a business perspective. When we pay taxes we're providing sources of income to those that are providing the essential services we all enjoy. But there is no doubt that some states are more tax-friendly than others.
More About: Friendly , States

Five Good Stocks to Buy in 2008
2008-01-28 00:00:00
(http://www.money-zine.com/Category/Stock s/)There is no doubt in anyone's mind that the stock market is off to a rough start in 2008 . But even in a down market, it's always possible to find stocks offering a great value to investors. Here we're going to walk you through our approach to finding five good stocks to buy in 2008.
More About: Stocks , Good

Social Security Debit Card
2008-01-21 00:00:00
(http://www.money-zine.com/Category/Buyin g-Insurance/)In January of 2008, the Treasury Department announced plans to offer prepaid debit cards for recipients of Social Security . Coamerica Bank was chosen as the debit card issuer, and the Direct Express card should provide users with safer, and more convenient, access to their Social Security benefits compared to today's paper checks.
More About: Card , Debit Card

Understanding FICO 08
2008-01-14 00:00:00
(http://www.money-zine.com/Category/Debt- Consolidation/)Fair Isaac recently announced plans to change its credit scoring formula to ensure the continued reliability and predictive powers of FICO scores. The new model, named FICO 08 is expected to make its way into the credit scoring process some time in 2008. The model replaces the existing FICO model, which has remained relatively unchanged since the 1980s.
More About: Debt Consolidation , Understanding

Dogs of the Dow 2008
2008-01-07 00:00:00
(http://www.money-zine.com/Category/Stock s/)It's time once again to announce the Dogs of the Dow for the year 2008 . After experiencing a decline in 2005, and a double digit gain in 2006, the Dow had a mediocre year in 2007 gaining only 6.4%. It was also a tough year for the Dogs of the Dow - finishing-up pretty much where they started the year.
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Income Tax Changes 2008
2007-12-31 00:00:00
(http://www.money-zine.com/Category/Tax-S helter/)We're going to start the New Year with our annual review of tax changes that apply to the coming year - 2008 . We'll brief you on changes to IRA contributions, tax exemptions, as well as standard deductions, and mileage reimbursement rates for 2008.
More About: Income , Income Tax

Disaster Insurance
2007-12-24 00:00:00
(http://www.money-zine.com/Category/Buyin g-Insurance /)While many of us don't like the idea of paying our insurance premiums each year, we're always glad we did when we need to file a claim. But how many of us even think about buying insurance against disasters? We might even be lulled into complacency because we're thinking that our existing homeowners policy insures us against natural disasters. But as we'll soon explain, that's not necessarily the case.
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Credit Card Comparison Calculator
2007-12-17 00:00:00
(http://www.money-zine.com/Category/Loan- Calculator s/)This credit card comparison calculator allows you to compare competing offers from two credit card companies. The calculator evaluates your monthly card balance, annual fees, and introductory rates to calculate the cost of each credit card as well as the effective interest rate charged.
More About: Card , Credit , Credit Card , Comparison

Short Term Investment Calculator
2007-12-10 00:00:00
(http://www.money-zine.com/Category/Inves tment-Calculator s/)This short-term investment calculator allows you to figure out how much money you need to set aside today to purchase an asset or pay for an expense in the future. The calculator takes into consideration the following factors: anticipated price increases, years until purchase, the return on the short-term investment, and your marginal income tax rate.
More About: Investment , Short-term , Short , Term

About Job References
2007-12-03 00:00:00
(http://www.money-zine.com/Category/Findi ng-a-Job/)If you're trying to find a job, then at some point in that process you're going to be asked to supply a list of job references. The good news is that employers only ask for references when they're serious about hiring you. That's why it's important to have a list of employment references ready to send to a recruiter, hiring manager, or the employer's human resources department.
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Option ARM Mortgages
2007-11-26 00:00:00
(http://www.money-zine.com/Category/Buyin g-a-Home/)They're called pay option loans, pick a payment, and the somewhat less descriptive term Option ARMs. Whatever the name, these innovative mortgages can save borrowers 30% or more on their monthly payments - but at what cost?
More About: Mortgages , Mort , Ages