Monthly Archives: July 2010

Save Money and Time: Why Being Single Isn’t So Bad for your Checkbook

26/07/2010
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This is a guest post by Jane Tiluda. Jane Tiluda is a blogger and personal finance expert from Atlanta, GA, currently happily living the single life.  Stay tuned for installments in Jane’s ongoing series about finance tips for dating and living the single life. I recently graduated college and most of my friends are already married or in the process of engagement. One particularly impatient friend has a baby on the way. And, being the selfish single lady that I am, I’ve noticed that their exclusive partnerships are causing problems for me. Most annoyingly, I’m struggling to find a roommate because all of my friends have relocated or have moved in with their significant others, which has left me...

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Save Money on your Mortgage in 2010

23/07/2010
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your-mortgage

The temptation to race into the home buying process is stronger than ever this year. And why not? Mortgage and interest rates are at an all time low. Asking prices are somewhat cheaper. However, even with such perks in the real estate market, people could still make costly mistakes. “With great rates comes great responsibility.” Okay, maybe that’s another quote. However, when costs are too good to be true, it’s better to play. Buying a home is a popular endeavor right now. Lenders and applicants are more apt to fill out forms incorrectly due to the rush and demand. Real estate agents are inundated with happy go lucky consumers just receiving their $8,000 tax credits from the government. Scammers...

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Budgeting for the Divorce Process – Don’t Become a Statistic

13/07/2010
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Divorce Process

If you are thinking about getting a divorce then now is the time to make a budget for you and your family to get through the process and deal with the added financial pressure. One of the biggest mistakes people make when they get divorced is not getting ready financially for the process itself. Divorce costs money. There are legal fees which can be simply low cost divorce agreements or huge amounts if a battle ensues. Then there are the costs that most people do not think about, two households, divided costs that are not usual. An average divorce takes three years from separation to settlement. It is this time that often sees a couple who may have separated...

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7 Reasons Your Budget Isn’t Working

10/07/2010
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personal-budgeting

These days stretching, a buck has become something akin to a magic act. However it simply must be done in order to make ends meet. To accomplish this a personal or household budget is a must. The unfortunate thing is that sometimes your carefully designed budget doesn’t do what it’s supposed to. Here are seven reasons your budget isn’t working. 1. Patience If you’ve been in a bit of a financial mess for awhile, it’s unrealistic to think that a couple of weeks worth of sticking to you budget will suddenly turn things around. It doesn’t work that way. If you’ve constructed a sound plan, it may take a little time before you see dramatic results. Have a little...

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Professional Indemnity Insurance – Claims made basis of cover explained

07/07/2010
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insurance

When looking for a professional indemnity insurance quote, you may be confused by the different levels of, and types of cover provided. Unlike material property, ie a house, car or building, you cannot insurer for how much it would cost to replace. You need to arrange insurance for the potential loss that you could face. Professional indemnity, is a form of liability insurance. Through your actions, advice or services (whether you charge a fee or not) you could be faced with a potential claim. Similar to public liability insurance, you will usually only see a professional indemnity claim when things have gone really bad. Usually, before it gets to the stage of insurers having to deal with a claim,...

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