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Credit Card Home - Financial-Shopper-Network.com - Dec 11, 2006 - 8:28:32 PM Find a Credit Card Online at Financial-Shopper-Network.Com!
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Understanding the Long Term Care Waiver of Premium - Dec 12, 2009 - 7:45:25 AM Depending on your long term care insurance policy, it may contain the waiver of premium provision. When a policyholder qualifies for waiver benefits, he or she is usually not required to pay premiums as long as certain policy requirements are met.
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Do Not Drop Your Life Insurance Because of the Economy? - Nov 23, 2009 - 7:53:58 PM At present, many people are trying to save more money. However, after they reduce their grocery bills and their expensive Friday nights on the town, what else can they eliminate from their budgets?
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Know Your Bills to Control Your Finances - Oct 30, 2009 - 3:56:47 PM No one likes to pay bills. This explains why some people avoid their bills until the end of the month, unless these bills are automatically deducted from their bank or credit accounts. However, we all financial obligations whether it is a car payment or a house note. Unfortunately, not everyone has a clear understanding of how to deal with their financial obligations.
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Understanding the Value of Long-Term Care Insurance - May 6, 2009 - 8:40:06 PM In American, some people do not understand the importance of long term care insurance. Yet, long term care is among the highest health care cost in our country. As the human life expectancy continues to rise, we can expect more individuals to require long term care.
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The New Insurance Agent of the Millennium! - May 5, 2009 - 3:46:04 AM Twenty years ago, it was not uncommon for an insurance agent to sell only insurance. Today, many insurance agents are more than insurance salespeople. Therefore, do not be surprised to find an insurance agent that discusses banking, investments, and insurance with you. Times have changed!
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Is it Time to Call Your Financial Planner? - May 2, 2009 - 4:34:53 PM Today, you must have the courage to open those statements, if they are contained in your stack of unopened mail. After reviewing your investment statements, you will need to make a phone call to your financial planner. During your conversation with your planner, schedule an annual review to measure the success of your financial plan.
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Do You Use Coupons Now? - Apr 28, 2009 - 3:38:46 PM When the economy was doing well, many of us chose not to use store coupons. Hopefully, most attitudes have changed in the last year because of our gloomy economy. If not, individuals are failing to maximize their ability to save money, which may be used to start an emergency fund or investment program.
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Why We Might Need Another Economic Stimulus? - Apr 24, 2009 - 4:10:42 PM While people are still debating the merits of the 2009 Tax Stimulus Package, we might need an emergency stimulus within the next six months if the economy does not show major signs of improvement.
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How to Survive This Economy? - Apr 23, 2009 - 7:28:03 PM In 2009, many Americans are experiencing financial woes. Fewer people are saving money, and banks are getting rich from non-sufficient fund charges. No one knows when this economy will start improving, but you can learn some helpful tips to survive this economy.
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Why We Need Insurance Education in High School? - Apr 21, 2009 - 4:48:01 PM When human tragedies occur, people often rely on insurance companies to pay claims. Unfortunately, there is a lack of insurance literacy among many Americans, and some insurance agents would be included in this group.
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Unreasonable Excuses for not Buying Life Insurance - Apr 4, 2009 - 3:28:03 AM In the event of their untimely demise, some individuals possess enough money to support their families without buying life insurance. Unfortunately, many people cannot afford not to buy life insurance if they desire to replace their loss of income because of an early demise. However, some people avoid buying life insurance, even if they need additional life insurance to protect their families.
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Why Insurance is not Gambling? - Mar 26, 2009 - 8:31:18 PM Unfortunately, some of these individuals may also believe that buying insurance is the equivalent of gambling. For those who own insurance products, are we really gambling when we purchase insurance?
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Insurance: Understanding the Basics of Insurable Interest - Mar 23, 2009 - 6:25:58 PM In order to have a valid insurance contract, the owner of the insurance policy must have an insurable interest in the life of the insured. By definition, you automatically have an insurable interest in your own life because you are financially responsible for you.
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Who is to Blame for This Economic Mess? - Mar 7, 2009 - 8:50:09 AM Unfortunately, there are no simple solutions to solve this economic crisis. While the Obama Administration is trying to jumpstart the struggling U.S. economy, we might not see any significant improvements in the economy until 2011. However, who should we blame for this economic turmoil?
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Why You Need to Continue to Contribute to Your 401(k)? - Feb 7, 2009 - 12:54:27 PM Your bills may be piling up. You are unhappy with your most recent 401(k) statement. Some of your best friends have lost their jobs. What does this mean to you? Unfortunately, some people use these reasons as excuses for not contributing to their 401(k). However, you are not going to follow their example, right?
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Do Not Drop Your Life Insurance Because of the Economy! - Feb 5, 2009 - 4:30:48 PM People are not going to eliminate soap and deodorant from their budget, for individuals use soap and deodorant on a daily basis. However, they will drop their life insurance policies.
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Stop The Company Match 401(K): A Financial Dilemma - Feb 2, 2009 - 8:37:59 PM In 2009, most American workers will be forced to give up company perks, such as raises or overtime. While these cost cutting measures may anger workers, nothing may hurt employees more than working for a company that ends its 401(k) match.
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Why the Fixed Annuity is Popular in a Bad Economy? - Jan 24, 2009 - 10:11:56 PM During periods of economic decline, people are often inclined to seek safer investments. A fixed annuity is still considered to be a conservative investment; therefore, many older investors are now choosing this investment vehicle, instead of mutual funds or variable annuities.
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Why Buy Term Insurance Now? - Jan 22, 2009 - 7:28:58 PM People make excuses for not purchasing life insurance. And yes, maybe your finances do not allow you to afford a $250,000 universal life insurance policy, even if you are 30 years old. However, a term life insurance policy probably will fit into your budget.
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Free Online Insurance Quotes: What does it Mean? - Jan 21, 2009 - 3:24:25 PM People enjoy looking for cheaper insurance, especially when it comes to term life insurance or property and casualty insurance, which includes auto and home insurance. Millions of people each month look up various search terms that involve the following words: free insurance quotes, insurance quotes, online insurance quotes, etc.
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Break These Ten Spending Habits in 2009! - Jan 19, 2009 - 9:44:36 PM Most of us have some bad spending habits. Some of these bad habits may be obvious, but others may not be so apparent. These bad habits, however, may be limiting our ability to get out of debt. And in this shaky economy, we all need to strive to do better.
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Why Having an Emergency Fund is a Survival Tactic? - Jan 17, 2009 - 4:43:41 AM Instead of starting an emergency fund beforehand, many people only create an emergency fund after an unforeseen expenditure requires their immediate attention, such as a broken window or tax lien, which may drain their entire savings.
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Why Buy Term Insurance and Invest the Difference May Work in this Economy? - Jan 15, 2009 - 10:26:25 PM Under most circumstances, I do not believe in the buy term and invest the difference approach to financial planning. However, the economy is in a major slump and your wallet may be in the same condition.
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Who is a Financial Shopper? - Jan 14, 2009 - 3:38:54 AM When this website was created in 2003, I did not explain the meaning of financial shopper. However, I did not intend to keep this secret for nearly six years. Today, my definition of financial shopper will finally be revealed; it is much more than a person who shops for financial products.
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Why You Should Plan Your Funeral? - Jan 1, 2009 - 11:25:46 AM One day, each person on earth will die. It is a sad truth that none of us can avoid. Fortunately, while we are still alive and well, we have the ability to make funeral arrangements and to create a will, at minimum.
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How Do Common Stocks and Bonds Differ? - Dec 25, 2008 - 9:54:17 AM Most individuals have mutual funds in their retirements, whether it is a 401K or IRA account. Within these retirement accounts, the portfolio manager for the mutual fund has probably bought a few hundred common stocks and bonds if it is a balanced mutual fund (balance of stocks and bond with a mutual fund).
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401K Contribution Limits for 2009 - Dec 24, 2008 - 4:08:12 AM The year 2008 is almost gone. It is time to review your 401K and to decide if you will increase your contribution level in 2009.
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Apply Online for a Discover Credit Card - Financial-Shopper-Network.com - Dec 23, 2008 - 7:56:32 PM Apply Online for a Discover Credit Card!
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Apply Online for an American Express Credit Cards - Financial-Shopper-Network.com - Dec 23, 2008 - 6:50:26 PM Apply online for American Express Credit Card!
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Why You Should Date People With Similar Spending And Savings Habits? - Dec 23, 2008 - 6:39:00 PM Quite often, individuals have differences in a dating relationship, especially when it comes to money. Some people are spenders, while others are savers. What should you do if you discover you and your partner are not compatible, in regards to your spending and savings habits?
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Why Are So Many Insurance Agents Becoming Financial Planners? - Dec 21, 2008 - 7:21:39 AM Over the last seven years, many insurance agents have changed their insurance practice. They are now financial planners to compete with the planners from the likes of Morgan Stanley and Edward Jones.
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Customer Expectations of Financial Planners Are Too High? - Dec 18, 2008 - 8:50:43 PM Some individuals expect their portfolios to earn at least a 15% return, on a yearly basis, because they have hired a financial planner to manage their investments.
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Why You Should Open Your 401K Statement? - Dec 17, 2008 - 3:37:15 PM It is easy to open your 401K statement when you expect a positive return. However, the opposite can be said if you expect to receive a statement filled with negative results. While 2008 has not been a good year for the stock market, you need to have a little courage and open up that 401K statement.
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Comparing Captive Insurance Agents vs. Independent Insurance Agents - Dec 16, 2008 - 11:24:01 AM Many people have a preference concerning the type of insurance agent they choose. For some, the choice of an independent insurance agent is a must.
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The Relationship between Bond Prices and Interest Rates! - Dec 13, 2008 - 9:31:33 AM Have you ever wondered why news reporters on Bloomberg or CNBC talk about bond prices and interest rates in the same sentence? Believe me; they have a good reason to do so. Bond prices and interest rates are inversely related.
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Why You Might Need a Financial Planner in 2009? - Dec 9, 2008 - 4:22:46 PM In most office conversations, people are talking about losses in their 401K or personal brokerage accounts in 2008. Maybe you said a word or two about your financial malaise in a recent office discussion by the water fountain or coffee maker?
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Can the Consumer Get a Bailout, Too? - Nov 25, 2008 - 3:34:53 PM Almost on a daily basis, we are forced to listen to someone’s rationale concerning the bailout of Wall Street firms and other companies in Corporate America.
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Why Wait to Purchase an Individual Life Insurance Policy? - Nov 22, 2008 - 4:33:01 AM In life, we all have a tendency to put some things on the “backburner.” We believe there are some responsibilities that can be dealt with at a later date, without the thought of consequences.
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Are You Suffering from Holiday Financial Malaise? - Nov 16, 2008 - 6:44:34 AM The holiday shopping season is fast approaching. But unlike recent years, most retailers are not hoping for records sales numbers.
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Finances and Why You Need to Stay Positive at Work? - Oct 28, 2008 - 2:55:25 AM Today’s economy has produced a lot of unhappy folks. Many people are upset about the losses in their 401K and other brokerage accounts.
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Should You Be Afraid of the Stock Market? - Oct 9, 2008 - 5:46:39 AM During the 1990’s, many of us believed that the stock market was relatively safe. But in 2000, we began to see that the market could fall at an alarming rate.
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The Financial Frustration of 2008: An American Story - Oct 7, 2008 - 8:44:22 PM Most Americans people are frustrated with the current economic conditions in this country. Look around you, individuals appear to be unhappy with their finances and the worst might be yet to come.
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Why it is Time to Become a Super Saver? - Oct 2, 2008 - 9:33:17 PM On November 4, 2008, adults throughout the United States of America will go to the polls and vote for the next U.S. President. Some of these individuals are struggling financially, even if they have been on a job for several years.
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Why You Need a Second Income? - Sep 25, 2008 - 9:17:33 PM While there continues to be uncertainties in our financial and credit markets, you are still responsible for paying your bills on time. Therefore, if necessary, you might be forced to work overtime in order to stay afloat, but some individuals do not have this option.
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Learning to Facing Financial Ruin! - Sep 18, 2008 - 5:40:37 AM Life is a hard enough when you are happy and smiling. There will always be bills to pay regardless of whether you have a paid for house or car.
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Who Cares if We are Not in a Recession? - Aug 3, 2008 - 5:36:15 AM Some people rejoiced after the second quarter GDP (Gross Domestic Product) number was released, this past week. For some, the increase of 1.9% in the second quarter signaled that the U.S. economy is getting back on track.
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Stay Committed to Your Financial Budget! - Jul 23, 2008 - 9:21:01 PM However, we should stop ourselves before venturing to the malls and other retail stores to spend more than our monthly budgets allow.
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How to Stay Committed to Your Financial Budget? - Jul 14, 2008 - 3:46:02 AM Freeze! Normally, in our society we associate the word “freeze” with a police officer that is about to make an arrest of a criminal. However, we should stop ourselves before venturing to the malls and other retail stores to spend more than our monthly budgets allow.
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A Basic Understanding of the Annuity - Jun 8, 2008 - 9:47:43 PM Quite often, we see the word “annuity,” but what is it? In simplest terms, an annuity is a savings vehicle that can be used to supply a lifetime income in the future.
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