Personal Money Management

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The Advantages & Disadvantages of Using Cash Vs. Credit

ere's no one right answer to whether cash or credit is better for making purchases. Depending on where you're shopping and your spending habits, either one could have the advantage. However, by looking at several factors, you can make a decision about which is best for you -- ...

The Advantages of Leaving an Early Inheritance

is not uncommon to leave an inheritance to family members after you die. You may leave a lump sum to your children, grandchildren, nieces, nephews and other loved ones. Inheritances aren't limited to money; you can also leave real estate and other personal property. While many ...

Why Americans Buy Foreign Goods

our global economy, the goods we purchase can come from anywhere, including local manufacturers and foreign countries. Americans buy a diverse mix of domestic and foreign goods. Each type of purchase has its own set of economic implications. There are several reasons Americans ...

Amortized Vs. Unamortized Debt

ortized and unamortized debt can both used for home, vehicle and commercial loans. Both types of debt are secured by the underlying asset. If the borrower stops making payments, the lender has the right to foreclose and take it back. With amortized debt, the borrower makes ...

How Are Annuities Calculated?

nuities can be an effective way to manage your income options in retirement. Although you don't know how long you'll live, annuities can guarantee an income for a specified period (a term certain annuity) or for your entire lifetime (a life annuity). Annuities are issued by ...

How Do Annuities Protect Assets?

though annuities have long been seen as tools for protecting assets from lawsuits and creditors in the U.S., the term “asset protection” today nearly always refers to the sheltering of family assets from the spend-down requirements of Medicaid, most often with ...

Annuities Vs. Certificates of Deposit

nuities and certificates of deposit are types of investments used frequently in retirement planning and funds. They have some similarities in that each can offer regular rates of return, but they have some major differences. Annuities are issued by insurance companies; ...

What Does Appreciation of the US Dollar Mean?

e U.S. dollar doesn't have a consistent value in relation to the world's other currencies -- euros, Japanese yen, British pounds, and so on. Its value rises and falls in response to economic conditions, government policies, import-export imbalances and other factors. ...

How to Assign a Car Title to a Teen

r most teens, reaching the legal driving age is a huge milestone in their lives. Probably long before your teen actually passes the driving test, he's dreamed of the car he wants to get. If you give a vehicle to your teen to use, you can assign the car title over to him. Title ...

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