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Category:Personal Finance

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Category:Personal Finance

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In the last 7 days

 
  • How much should I put into my 401(k)?
    answered December 20 by View user pageCastrator
    Answer
    most "advisors" say at least 10% of your pay more if you are older. you should only put what you can afford.
  • How do I transfer RMB to US?
    answered December 20 by View user pageCastrator
    Answer
    type " currency conversion calculator" in your search box
  • Where can I get a payday loan?
    answered August 7 by View user pageFzyBot
    Answer
    * ZipPayDay.com
    • Paydaymax.com
    • myPaydayLoanCash.com
  • What bonds are tax free?
    answered August 7 by View user pageFzyBot
    Answer
    *State municipal bonds in the US
    • Swiss Corporate Theft Bonds.
  • What are steps that helps in buying a new home insurance policy?
    answered August 7 by View user pageFzyBot
    Answer
    * Know how much your house is worth.
    • Know what level of coverage you need.
      • For instance, you need to decide whether the coverage should be enough to completely replace the home and its contents. Or, would you rather have a lower premium with a higher deductible that would come out of your saving, if anything happens.
      • What kinds of insurance do you need? Fire? Theft? Earthquake? Flooding? Tornado or wind damage?
    • Get quotes from different insurance companies.
    • Consider the trade-offs between the different quotes.
      • Price.
      • Company reputation.

    As you check with different companies for insurance, they should ask about key factors, and it is helpful to be ready to answer questions such as

    • the location, size and value of the home,
    • insurance for contents,
    • distance from a fire department,
    • type or construction of the home (e.g., wood or brick?),

    There may also be risks that are higher in your region or neighborhood. For instance, in some regions of the U.S. radon gas can be an issue. You may be asked if you've done anything to alleviate the risk, such as testing for radon.

    Some things that may lower your insurance rates:

    • a close fire hydrant
    • smoke or fire detectors
    • a safe neighborhood
    • no or few recent insurance claims
    • other insurance policies through the same company -- you can often get a discount if you have automobile, life or health insurance through the same company
    • sometimes you can same some money by paying for a longer term
    Related
    Check out insurance on the Home Wikia.
  • How do I combat identity theft?
    answered August 6 by View user pageFzyBot
    Answer
    To prevent identity theft there are a variety of things you can do.

    [edit] Definition

    First, identity theft is usually when others pretend to be you, so they can use your identity, usually for illegal purposes. Some of these purposes are using your identification information to use your credit record as their own, for instance to get credit cards or make purchases. Another use is for crossing borders. For instance, terrorists or drug runners may pretend to be someone else when going between countries.

    [edit] Protecting key information

    Most "identity theft" begins with the thief collecting the information that he or she will need to fill in an application or request form. So, you can protect yourself by restricting the people who have access to that information.

    • Don't throw out documents containing personal information. Instead, destroy them.
    • When using the internet, make sure you only go to sites that you trust, as they could steal your information.
    • To fend off higher-tech thieves, consider purchasing an RFID-blocking wallet.
    • Don't share personally identifying information in public places unnecessarily.
      For instance, don't post your birthday and place of birth, your name and current address all in one place. (Many people do that without thinking much about it on places like Facebook.) Although much of this information is available from public places already, make the thief work harder, and he or she will probably use the ID of someone else who made it easy.
  • How can I improve my credit score in a month or less?
    answered January 23, 2009 by a curious user
    Answer

    File blanket validation-challenges for everything negative in your report.

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