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Tips on Saving Energy Dollars in your Home
by Silvester Thompson.By evaluating facilities and equipment, World Energy Solutions (symbol: WEGY) helps businesses lower their utility consumption and maintenance costs and extend the life of their equipment."Many of the energy-saving strategies we use for our commercia...
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3 Myths About Saving
by Dennis Harting.We are a nation of debtors. All the statistics over the past decade point to this. The savings rate is at an all-time low. At no point in our nation's history have we saved less money. At the same time, we also have used credit to supplement our ...
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Saving on Gasoline is Easier Than you Think
by Jim DeSantis.It may seem to be a losing fight but we found a simple solution to not only save 5% per gas purchase but also how to save up to 20% on most of the other stuff you buy already. And, not only saving on gas but on your auto maintenance too thanks to cre...
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Saving Social Security & Save Social Security
by G. White.Social security and its future are one of the most controversial issues discussed in politics today, with many different views and outlooks taking center stage. The law that was designed by Franklin D. Roosevelt to protect the elderly and provide ser...
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Gas Suppliers - Saving Tips
by Liam G.Natural gas has been the fuel of choice for the UKs energy requirements for over 27 years now; this is reflected in the fact that we are the world's third largest consumer of natural gas. With both usage and prices on the increase it's vital that eve...
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Save the World by Saving Energy
by Nick Cox.All of us are probably guilty of wasting energy. We all seem to be experts when it comes to using it, but many of us fail miserably when we're told to save it.The government and media are constantly threatening us with impending doom unless we rethin...
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Do You Have Any Saving Graces?
by Knight Pierce Hirst.Think savings - think bank. I remember being given lollipops at the bank when I was a little girl. That's when banks gave toasters for opening new accounts and gave calendars for Christmas. Banks have changed. Now some give free checking accounts, so...
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Saving on Gas With the BP Visa
by Tom Tessin.Gas prices may be at an all time high here in the United States but that doesn't mean we have to walk around with heads looking at the ground, this is no way to live our lives! Instead, we should be looking at other alternatives to find ways to save ...
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Monthly Payment Table Information
by Elathrop.In the world of finance, having all expenses accounted for means everything. Hidden expenses are constantly sneaking up behind the investor, businessperson and homeowner and biting him in the backside. Knowing where every cent goes and having every...
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Avoiding The Bi-Weekly Payment Scam
by Dave Czach.Avoiding The Bi-Weekly Payment ScambyDave CzachOn the surface, the Bi-Weekly Mortgage Reduction Plan seems great. You divide your mortgage payment in half and pay it every two weeks into a large escrow account. The escrow service company then pays yo...
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Dodging Leasings Grim Reaper: Navigating a Payment Default
by George A. Parker.In her third Harry Potter novel, ‘The Prisoner of Azkaban’, J.K. Rowling introduces a silent mysterious clan of spiny, cloaked creatures capable of siphoning off happiness and all good thoughts from anyone in their presence. Extended exposure to ...

Structured Settlements Offer Advantages over Lump-Sum Payments
by Charles Essmeier.Depending on the specific circumstances of the case, structured settlements can have numerous advantages over a lump-sum payment: They are tax free. Thanks to a 1982 change in the Federal tax code, payments on a structured settlement are free of stat...
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Devising newer ways of repayment
by Andrew Baker.The borrower has to cut his monthly expenses to provide for the repayment. The amount to be repaid includes the principal amount of the loan and the interest calculated based on the rate of interest prevailing in the market. This is the traditional m...
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Structured Settlement or a One-Time Lump Sum Payment?
by Greg Smith.A structured settlement involves a financial or insurance arrangement which includes a periodic stream of payments, that a claimant or plaintiff accepts in order to resolve a personal injury claim or other legal case. They were first utilized in Cana...
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What is a payment system?
by Stanley Epstein.What is a payment system? I am reminded of lengthy debates around the office on just this question - and the heated and, at times, passionate discussion that ensued. My antagonist, who is also my partner, took one view and I took the other. The thrus...
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Business Continuity and Payment Systems
by Stanley Epstein.The Bank for International Settlements definition of a payment system states; “A payment system consists of a set of instruments, banking procedures and, typically, interbank funds transfer systems that ensure the circulation of money” (From “A...
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Types Of Annuity Payments
by Ross Bainbridge.When an employee retires after several years of work, the employer offers monetary retirement benefits such as a cash balance plan or pension. Let us consider Nancy, who has retired from work. She likes to invest her retirement package in something...
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Annuity Payments
by Alison Cole.Annuities are a series of payments made by an institution like an insurance company to the annuitant at regular intervals of time over a fixed time period. The payments are fixed and may be on a yearly, semi annual, quarterly or monthly basis. Genera...
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Down Payments Getting Easier
by Duane Devalle.Buying a home is easier these days, largely because of relaxed requirements by lenders. Putting down 20% of the purchase price is no longer the standard. Requirements where down payment money comes from has also broadened. Be prepared to provide prop...
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Option Arm Minimum Payment vs. 30 year Fixed Payment
by Andrew Poletto.Have you ever asked yourself this question about a Pay Option Arm:Why would someone want a low payment rate of 1.95% (or throw in a number) when they can get a 30 year fixed rate at (interest rate)%?Before I answer this question, you have to figure o...
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Finance Repayment Terms Are Getting Longer
by Abbi Rouse.One commentator has stated that; although overall borrowing in Britain is increasing, people are getting better at managing their loans and other credit.Loans firm Picture Financial has suggested that credit levels are on the increase but states that...
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Refinance FHA and Lower Your Payments
by Connie Sanders.FHA mortgages have always been very good loans for the homebuyer. In today's market the FHA refinance programs offer maximum benefits to the homeowner that wants to lower payments or get out of an adjustable rate mortgage. FHA offers three types of...
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The Down Payment what you can expect
by Scottie Watts.The Down PaymentA down payment is money that the buyer must pay up front to buy a home. When a person takes out a mortgage the lender or bank in almost all cases will require that the person borrowing the money make a down payment. A down payment is ...
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Removing Late Payments
by Chane Steiner.Most peopleknow that if they pay their bills late, their credit scores will suffer.? However, most people don’t know this:According to Credit.com, a single 90-day late payment is as damaging as a bankruptcyfiling, a tax lien, a collection, a judgme...
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How Much Are Disability Payments
by Nicole Anderson.Whatwill you do if you are disabled and can’t work at all? The questionis very absurd and nobody is sure what to answer. According tostudies, all workers above the age of 20 have a chance of gettingdisabled, well before their retirement age in, the...
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