November 2010

No Federal Pay Raise in 2011 or 2012 as Obama Freezes Federal Employee Pay Rates

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In an effort to address growing budget deficit concerns and political pressure, President Obama announced a proposal to freeze federal pay increases. This freeze would affect over two million federal government employees, and with inflation set to rise over the next few years the pay freeze essentially amounts to a pay cut for the next two years [...]

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History Of The US Housing Market From Boom To Bust To Reform

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Below is a nice graphical summary of the rise and fall of the US housing market and the macro level responses to the ensuing real estate foreclosure crisis. Scary to see the obvious missteps when looking back at some of the decisions made. That’s why hindsight is 20/20 (and our politicians unfortunately have 0/20 foresight!) [...]

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6 Car Insurance Discounts You Should Be Getting

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Not everyone is eligible for the long list of discounts that insurance companies offer. But there are some discounts that almost every driver can get. Here are six car insurance discounts you should already have or be trying to get. Multi-Vehicle Discount If you have multiple cars or share a household with multiple drivers, it [...]

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How to Shop Smart This Holiday Season – 5 Tips to Stretch Those Dollars Even Further

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It’s hard to believe than another holiday season is upon us. With all good intentions, most of us will make a promise to ourselves that we will shop early and shop smart. But unfortunately, in most cases, life’s routines and little emergencies usually force us to shop at the last minute. This can make your [...]

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Hope For the Best Prepare for the Worst – Smart Money Moves

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Have you heard of a double dip recession or a Black Swan? If either of these takes place, which is not out of the realm of possibly given current economic conditions, your financial future may be at serious risk. In order to avoid the effects of these two events, you must have your finances protected [...]

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2011 Medicare Premiums, Deductibles and Coinsurance Rates For Part B (Medical Insurance) and Part A (Hospital Insurance)

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Medicare, the federal health-insurance program for people 65 and older and their caregivers,  is going to see some changes in 2011 thanks to the implementation of new health care laws and there are some changes participants should be aware of during annual enrollment (to Dec 31st) and into next year. The following is a listing [...]

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How to Keep Your Identity – and Your Credit – Safe While Shopping

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Each year more people are becoming victims of identity theft. When this happens, it could take years for the person to regain their rightful identity and their good credit standing. And the bad news is that identity thieves are getting much more sophisticated about identity theft and will stop at almost nothing to steal your [...]

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Rollover 401(k)s to an IRA – Why and How

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Things are different now. Decades ago when you took a job, you stayed with that company for a long time, often for life. Today, studies show that the average American holds over eight jobs between the ages of 18 and 45. Because of that, many are asking the question during job transitions, “what do I do [...]

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Paying Too Much For Your Auto Insurance? Get a Better Rate For Free and Save on Your Renewal

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AARP recently released it’s auto insurance premium review which provides a good benchmark for checking whether the auto insurance you are paying is consistent with national and state averages. If it is not, then you should be looking to for a better rate with your current provider or find a new one elsewhere (or move [...]

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Do I Need Disability Insurance Policy To Protect My Income

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Ask yourself this question. What is your most important and valuable asset? Think about it for a minute. Is it your house? Your savings or your 401(k) retirement plan? Your sports car or rare memorabilia? While all of these things are both important and valuable, none of them truly represent your MOST valuable asset – [...]

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