Best Job Prospects, Occupations and Professions in the Next Decade – 2010, 2011, 2012 to 2018

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There is no doubt that the nation is going through one its toughest employment periods in a long time. With unemployment rates close to 20% across many regions, it’s tough for current job seekers and new graduates trying to get into the workforce. This is why it is even more important to arm yourself with [...]

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How to Find and Lower the Cost of Your Auto Insurance

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There are two main costs associated with car insurance: The Premium: The amount of money you pay the insurer for insurance cover during the life of the policy. The insurance premium can vary widely among insurance providers, which is why experts strongly recommend getting several quotes before committing to a policy. In fact, even for [...]

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2009 Federal Income Tax Guide Features All The Stimulus Recovery Tax Break Details; Which Can Help People Save When Filing Returns in 2010

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Publication #17 from the IRS, Your Federal Income Tax, is one of the most important tax booklets issued by the IRS each year. It features details on taking advantage of new tax-saving opportunities, such as the making work pay credit for most workers, American opportunity credit for parents and college students, energy credits for homeowners [...]

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A Second 2010 Economic Stimulus in President Obama's New Job Programs Focusing on Small Business, Infrastructure and Home Energy Efficiency

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President Obama has announced three proposals intended to turn around the nation’s ailing job market and spur employment growth, including strengthening investments to small businesses who are finding it hard to get loans in tight credit markets, upgrading infrastructure across the nation and promoting home-energy efficiency projects. “Having finally moved into positive territory when it [...]

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Life Insurance Reality Check – Do you have enough?

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Life insurance should be an important component of your financial planning. If you have a young family, it could actually be the most important element of their security. Surprisingly though a lot of people do not have affordable life insurance. Among those who already have life insurance, a vast majority does not have enough coverage. [...]

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2012 Standard Mileage Rates Tax Deduction Breakdown and Rules

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[Updated for 2012 rates] -The IRS has released 2012 standard mileage rates (effective Jan 1.) for business, charitable, medical or moving. Rates reflect a slight increases over initial 2011 levels, but basically flat from the mid-2011 increase. • 55.5 cents per mile for business miles driven; • 23 cents per mile driven for medical or [...]

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Can You Sue the Credit Rating Agencies – Equifax, Experian, and TransUnion – For Mistakes With Your Credit Report and FICO Score

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Read an interesting article in the NY times, discussing states that are suing the various corporate credit rating agencies like Standard & Poor’s and Fitch, because of the losses they bore from securities they rated as AAA. They argue that these “incorrect” ratings have cost them millions now and into the future, and that these [...]

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Choosing a High Interest Savings Account Over My Low Yield Money Market Account For My Short Term Cash-Emergency Savings

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I have been using my Vanguard money market account as a place to save part of my emergency (short-term) funds, and when checking it recently I saw that the rate had fallen to a miserly 0.13%! This was the lowest I had seen the rate since opening the account a few years ago, and with [...]

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Golden Nations : Which Countries Hold The Most Gold Reserves

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With gold prices soaring, it seems that even central banks around can’t get enough of the yellow metal. Recent figures still show the US atop the list, but other nation’s are rapidly catching up. After all, every central bank (and the International Monetary Fund) with a large holding of American debt is worried about capital [...]

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Should I Buy an Extended Warranty : Worth It or a Waste of Money?

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If you’ve bought an appliance or electronic gadget in the last few years, the sales person has probably tried to sell you an extended warranty or insurance plan. Often they justify it as a relatively small purchase, and isn’t the peace of mind worth? Unfortunately, many of us are sucked in and end up buying [...]

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