You can pay NHIF through M-Pesa using a mobile phone money transfer. All you need is the NHIF paybill number to make your NHIF payment via M-Pesa.
How to remove medical debt collections from your credit and improve your credit score. How to deal with debt collection agencies.
Receipts a mess? Organize them in 4 simple steps so you find what you need and are ready at tax time.
Are you interested in earning money online but have issues with PayPal or Payoneer? Maybe you've considered accepting bitcoin? If so, there's a world of possibilities open to you.
For those who are not familiar with options trading advisory services, also called options pickers, this article may serve as a guide to what services are available out there. It will also give the reader an insight to what options trading systems the pickers specialize in.
Don't sell stocks short in a declining stock or market. There is a better, more profitable, cheaper, safer method by buying put options instead! The potential for large profits is still present but without the potential for unlimited losses as in the case of short selling stocks.
A peek into what life is like for people after they leave the world of work that can help readers prepare for their own retirement.
This article is all about APR. What APR is, why we use APR, some limitations of APR, and an example on how to calculate the APR.
Robert Kiyosaki, the financial writer best known for "Rich Dad Poor Dad", is more of a philosopher and motivator than a financial adviser. Learn why his books should not be taken literally.
I used TurboTax over 18 years for my business and personal taxes, so I can help you find the version you need. Updated for taxes due April 2019. It helps with filing late taxes too.
Being poor can sometimes be more advantageous to you on your road to financial success. Learn about the advantages of being poor, the disadvantages, and how you can leverage your financial history to becoming financially successful, maybe even become a millionaire.
What is the best way to use an unexpected sum of money? Windfalls are hard to come by, and once you've got your hands on a lump sum, you should plan carefully how to use it, taking care of the most important expenses first.
Learn why and how it's important to have a personal budget and set and achieve your short, medium and long-term financial goals. Following a budget will benefit your life in remarkable ways, putting you in control of your income and expenses.
The amount of time it takes to transfer money after selling stock may depend on what type of brokerage account you have. Figure out how long your money will likely take in this article.
Flat tax success stories are fairly easy to find. A number of countries have seen impressive economic growth after adopting the flat tax idea. This is especially true since the fall of the Soviet Union. As countries formerly under Soviet communist...
If everyone wants financial success, then why isn't everyone wealthy? The answer isn't simple. Here are the destructive behaviors, mistakes, and ideas that keep people from achieving success.
The American Silver Eagle one-Troy-ounce silver coin is a very popular coin with silver collectors and investors. Tables list quantities minted by year and likely eBay prices.
Should you pay off student loans faster or save for a mortgage? Get some guidance on how to save for a house down payment while paying student loans.
Social Security statements delivered online or by mail sometimes have missing earnings for years you know you worked. Do you know how to fix your statement?
Robert Lichello's Automatic Investment Management system for timing the stock market is explained with buy/sell examples. Additionally, the system is tested using over 10-years of price history of the S & P Depository Receipt ETF (ticker SPY) and compared to buy and hold strategy.
Whether the annual income for an American family is $20,000 or $200,000, they are likely to spend most, all, or more of what they earn.
These are the advantages and disadvantages of getting a car when you turn 16. Talk to almost any 15-year-old kid, and they will tell you that they want a car for their sixteenth birthday.
With the rocketing bitcoin prices mining the cryptocurrency seems very appealing. Don't! There is simply no way you will make any money.
Don't have a credit card but still want to buy products online? Here are ten (often safer) alternatives for you to try!
A look at what to do if you can't pay your Provident loan back. If you miss your payments, will you incur extra interest charges? What happens if you can't pay your Provident loan back?
Financial child abuse describes the abuse of a child’s identity, credit report or financial resources. What leads to financial child abuse? What are the signs of financial child abuse?
Is a 15-year mortgage ever a good idea? This article explains how this financial move can help you build equity faster and pay off your home early.
TD Ameritrade offers great educational tools when you have an account with them. Some offer a certificate upon completion as well with which you can upgrade your account. Read on if you are having difficulty understanding the material.
I'm a consumer, not a life insurance agent. I tell you what I've learned about looking for affordable life insurance.
Learn about laws that already have been passed in 30 states that require adult children to pay the bills for aging parents who can't pay their bills themselves.
Whether you are new to trading or you have been trading for many years, there are books that every trader must read because it is one of the best ways to become more successful and improve profitability in trading. These are some of the best-selling books on trading that every serious trader should read and own.
This article shows seven months of actual trading in stock options. It illustrates the results in table format for easier viewing. It also includes questions sent in by readers with corresponding answers.
Preference shares (or preferred stock or 'prefs') are shares in a company which have a (usually) guaranteed dividend. They are therefore a hybrid similar to both shares and corporate bonds.
Banking over the internet has made the life easy for users by providing online access to various banking services.
Do you trade in and out of stocks quickly, looking to take profits and moving on? Market gyrations can make losing trades into winners, but it is extremely uncertain that it will be consistent. Here's my analysis.
Having problems making purchases online? Tired of relying on other people to buy things for you? Well now you can do it yourself, with VCpay. This is a guide to setting it all up.
Even though you might have a Social Security number do you still have the physical card? Replacing a lost one, or getting a new one, isn't too difficult; here are some tips to help.
Need a sample of a letter you can send to a collection agency to tell them to stop harassing you, but don’t know what to write? Need a sample letter to help you put it together? Read this article about dealing with collection agencies, and get some sample letter ideas you can use to...
As a bank teller, I am exposed to quite a number of customer errors regarding their checks. These errors can cause all sorts of trouble for everyone involved. Although some tellers take the liberty of correcting certain mistakes, officially they...
Acquiring precious metals can mean picking between gold and platinum. To make the right choice, you may want to read on for more information about their pros and cons.
In less than two years after my bankruptcy, I’ve brought my FICO score up to 730, which is in the ‘good’ range. In this article, I will outline the five simple steps I took to get a good FICO score after bankruptcy.
Thinking of joining the Rich Dad Poor Dad education program? Read this HUB first it will guide you in the pros and cons of the system.
This article shows how to calculate the net present value and net future value of an investment that pays uneven annual payments. An example is provided with a detailed explanation.
Checking the free government website really worked for me! I got $100 in free money from the state treasurer's office by filling out a simple form. Read here on where to look and how to find out if you have money waiting to be claimed.
There is a clearly a market timing method that has proven its worth over time, since it provides accurate signals regarding when to be in the stock market and when to step to the sideline and hold cash.
If you have an amortization problem to solve, it's possible to find all the data that you need with a calculator instead of creating a table. Find out how with an HP 10bII+ calculator in a few steps.
These are the top 13 mutual funds that are running in the Nepali share market. See their latest net asset values, total funds, and other major stock market indicators.
Is there really such a thing as insurance against investment loss? In particular, stock loss? You may not believe it but yes, there is such a thing as insurance against investment loss or losses in your stock portfolio.
Tax Clearance is required if you retire, resign, or leave Malaysia for more than 3 months, and for the deceased. So how to apply for a tax clearance letter (TCL) and get your last month's salary ASAP?
What does cash commutation mean? When can you commute pension into cash? This article explains what cash commutation is and the various times you can turn your retirement pension into cash.
The cost of living on your own is uncharted territory for many young people. Here's a breakdown of 2012 living costs per category including: taxes, rent, auto, food, cable, and debt repayment.
How much is your domain name worth? Don't waste your money on a paid appraisal. Appraise your own domain names for free. Five of the best services online described in detail here.
The cost of a money order at Walmart is $0.70. I have been using Walmart for years to get money orders and I also used a Walmart Money Card for many years when I did not have a checking account.
BDO, BPI and Metrobank are the biggest commercial and universal banks in the Philippines. Each one has its own strengths, so not one of the three, to my mind, can categorically claim that it's the most powerful bank in the country. BPI, Metrobank...
Selling stock options has been likened to operating your own high tech casino on the internet. Stock options buyers are likened to casino gamblers who lose their bets most of the time. Who wins? You, the option seller!
Online banking is an easy way to manage your money. There are a few drawbacks but these are outweighed by the time and money you save. E-banking is a cost effective way for banks to do business and it is convenient for most customers.
Viable solutions for making money quickly and legally. Effective methods, some free, some that don't cost too much. These techniques utilize capital and personal property that you already own.
Don’t get frustrated with all the information on stock market charts and tables. Learn the basics so you safely and profitably buy and sell stocks.
Read this complete review of FreeTaxUSA before you start your taxes. How do they match up against TurboTax, H&R Block, and other providers? Can they handle your complex tax return. Read more...
Don't get duped when it comes to buying and selling silver bullion. Do it the right way—just like the pros do.
There are many ways to repair your credit score. Fingerhut was our first credit repair attempt and it worked!
If you're just starting out on a path to financial independence, it can seem scary! This guide will help you plan a realistic budget, and stick to it.
It doesn't take a lot of money to open an investment account. Start making your money work for you today.
Charlie and Pete talk about investing or gambling in stocks or options. One says it's gambling, the other says it's investing. Read their arguments.
Most of us have been there at least once in our lives; a check deposited or written to someone was returned by the bank. It may be stamped with things like NSF, UCF, UTL, etc. What does that mean? Did I do something wrong? These strange and...
Did you know that your clothing donations can lead to a tax deduction? Here's how to get rid of un-used clothing *and* save some money.
The average American household has over $155,000 of debt. Liabilities include mortgages, car and student loans, credit card balances, medical bills, signature loans, back taxes, and overdraft charges.
Lost my house, my business, my car, my bank account is empty, now what? Yes.. this really happened to me - and more.. I had a bad year in 2009 - to say the least - the week that they towed my car away, I received the official foreclosure notice in the mail, along with a...
The Greeks—delta, gamma, theta, vega and rho—are five variables that help identify the risks of an option position.
In today’s low-interest environment for investments, there is an alternative to the low rates, that is, high quality high yield dividend paying stocks.
Real Estate Investment Trusts (REIT) and Masters Limited Partnerships (MLP) are investment vehicles that typically return a higher than average dividend.
One area we often hate giving to the Lord is our finances, yet the Lord speaks about it frequently in the Bible because he knew we would struggle. Here are some great biblical principles to follow.
Anybody can start producing their own bitcoins, the experimental digital currency. But this legal "printing" of money is more complicated than it first appears. Can bitcoin mining be profitable?
This is a non-biased explanation of how blockchain and cryptocurrency relates to the marketplace of the future.
When we trade on emotion, we tend to do the wrong thing for the wrong reason. The only way to avoid emotions is to enter and exit every stock trade based on a strict plan, no matter what else may affect your decision.
Here you will learn what a bitcoin faucet is and how to use the top 5 faucets for 2018. Buy products online with your earned bitcoins or exchange them for currency like USD.
The case for and against investing in gold. It can be a store of value but it doesn't earn an income itself. Is it good insurance against inflation? Will it carry on going up forever?
Learn how to generate extra income by using your computer to mine for Monero. Monero is a popular cryptocurrency that offers many unique advantages over its competitors.
Saving money for a major purchase like a car is perfectly possible. There are many ways in which you can save money on a daily basis to reach your goal.
In order to be a master, you must begin with the basics. This article will discuss one of the most basic things to learn when investing or trading in stocks - candlestick patterns.
An examination of the popular methods for getting out of debt by experts such as Suze Orman, Gail Vaz-Oxlade, Dave Ramsey and more. Discover which method will work best for you
Credit cards are promoted for their convenience. There are downsides to using them, however. Here is a list of reasons why credit cards can be a bad thing.
Receipts are easy to get at a brick and mortar retail store, but with Amazon, you'll have to follow these step by step instructions for printing your proof of purchase.
Do you want to take advantage of financial benefits (lower taxes, business tax credits, in-state college tuition, etc.) by establishing residency in another US state? Here's what to do.
Need an idea for which savings account to open for a child or a teen? Metrobank has an exclusive account just for them. A review regarding Metrobank's Fun Savers Club Savings account can help you get started.
Elon Musk, a modern entrepreneur, has created several companies and products that are technological cutting-edge and ambitious to say the least. But does that mean Tesla has a solid future?
A comprehensive analysis focused on how to use the AIM system to manage a small portfolio of multiple exchange traded funds. Includes 15+ years of data to perform a detailed empirical analysis.
This complete PayPal and RCBC Guide includes the easiest way to withdraw Paypal funds to an RCBC MyWallet VISA card and use the same card to link and verify the Paypal account.
Find out whether the price of the Drawn Blank series of prints by Bob Dylan on the secondary market has gone up - or down - the key factor in whether it is a good investment.
A National Insurance number in the UK is as important as an identity card. Without one you are unable to claim benefits or health care. The significance of each part of your NI number is explained here.
Interested in dabbling in the Nepali stock market? These upcoming IPOs will give you a head start. Find out the top 10 upcoming initial public offerings that are being floated in the Nepali share market in 2018.
How to pay off your credit cards and loans. If you want to get out of debt fast, you have to change your lifestyle of using credit cards and loans. I give advice on money management and paying off your loans. How do you negotiate credit card debt on a low income?
When you donate something that isn't straight cash, you are responsible for recording its value if you want to get a deduction for it when you file taxes for the year. Because much of what we donate is used, we cannot record its original value,...
Banks vary in terms of when they process deposits and make money available to account holders. Find out what time of day your banks makes newly deposited funds available for withdrawal.
What does it mean if you log into your PayPal account and realise that you are unable to send or receive money because your account has been restricted? Why has your account access been limited?
Building your credit score is difficult, especially when you have limited credit. Here are 5 steps to building your credit score quickly from 0 to 700 in 6 months.
This post will discuss the steps on how to withdraw Paypal funds to BPI (Bank of the Philippines Island) complete with step by step pictures - plus other important information
The Price-to-Earnings-to-Growth ratio (PEG ratio) is a reliable stock valuation metric that can be utilized to find undervalued stocks. Learn how to use the PEG ratio to improve investment decisions.
Investing in the stock market can be bewildering. But the basics of how anyone makes money in stock and shares is simple. Keep these simple ideas in mind whenever you are thinking about investing in the stock market.
NADEX is the best choice for U.S. binary options traders. The system is easy to use and has better returns than European style binaries.
Learn all the various advantages and disadvantages of direct taxes. This articles explains all the merits and demerits or advantages and disadvantages of direct taxes.
Procedures while developing a budget including estimations, identifying priorities and financial resources, purpose and benefits of identifying priorities evaluating and justifying costs, income
A bad credit score can impose very restrictive limits on what you are and aren't able to purchase. Use these quick tips to fix a bad credit score.
You'll find important information in Most Important Documents to Keep in a Fireproof Safe. There are other items besides a will, jewelry, and money to protect with a fireproof safe.
A complete guide to submitting/e-filing income tax returns and wealth statements for tax years 2015, 2016, 2017 and 2018 via FBR's IRIS system. How to get NTN before submitting returns.
Fiat systems of paper money currency (like nearly all in the world today) have a flaw that makes them, in our time, more volatile. Since our money cannot be exchanged for gold and silver, panic can set in.
Throughout the world, the American Silver Eagle one-dollar coin is considered the most beautiful. It is the preferred 0.999 silver coin for bullion and for numismatic coin collection.
Donating plasma can provide over $300/month for some donors. This article describes the process of making money by donating plasma and if it's worth it in the end.
Did you know that you can earn money with stock market timings? Yes, you can make easy money while waiting for stocks to drop. If it never drops, so what? You made money while you were waiting.
Learn the 4 most dangerous psychological emotions for short-term traders to improve your trading education while learning how to trade any world stock market.
Investments with higher expected returns come with more risk, and safer investments generally pay less. Understanding this, and how much risk you are willing to take, is important in managing your investments.
The one thing that everyone always wants to make sure to think about first is tax write-offs. This list will ensure you don't miss anything if you're a freelancer or work-from-home employee.
How to file an SSS funeral claim, from all required documents to filing the claim in your local office.
For Filipino taxpayers, filing taxes online is not yet the norm. If you are one of those thinking of enrolling in the EFPS and filing your taxes online, here are some of the things you need to consider before you go through the enrollment.
The differences between buying bonds or shares:what risks you are taking, what return you can expect, and how you will get paid.
This hub will walk you through the process of mining for Bitcoins using a GPU and CGMiner. It also explains the process or joining a mining pool to increase the amount of Bitcoin earned.
A currency swap is the purchase or sale of a forex spot transaction with a simulataneous purchase or sale of a forex forward transaction.
Turning 50 years old and not having enough money saved for your retirement is a scary thing. In this Hub I give some ideas to help you cope with your financial condition and prepare for a comfortable retirement.
This article walks you through how to connect a brokerage account to your Yahoo Finance account on a mobile device, and how to remove a connected brokerage account from your Yahoo Finance account.
The Earned Income Tax Credit (EITC) is a refundable federal tax credit. It is designed to help low and moderate-income individuals and families keep more of what they earn. Claiming a qualifying child can increase your EITC. The 4 criteria that must be passed for a qualifying child include relationship, age, residence, and joint return.
Many banks no longer offer safe-deposit boxes. But you still have documents and items you want to keep secure. Here are some alternatives and the kind of valuables that should be stored in them.
This article explains the life cycle of financial planning and the five life stages, from teenage years to successful retirement.
IRS Form 1099 is used to report income or earnings paid to you. Self-employed receive a 1099-MISC and must report it on a Schedule C. Other common Form 1099s that can be received include 1099-INT, 1099-DIV, 1099-R, 1099-B, and SSA-1099. Form 1099-C is used to report cancellation of debt. Form 1099-K is used to report third party or credit card transactions paid to you.
Money orders are a necessity for some financial transactions. Use the information in this article to weigh your options when you need a money order.
Having a hard time figuring out how to withdraw your Paypal money to your own bank account? This is a comprehensive guide to help you out!
SoFi is a private financing company that offers student and personal loans to qualified applicants. Here's my experience getting a loan from them.
If you cannot open a checking account because of poor credit and a negative ChexSystems report, you might have trouble cashing a payroll, government, or personal check. This article teaches you how to cash a check without a traditional bank account.
If you are wondering whether your federal tax refund will be taken by the IRS as a result of debt, owed child support, or other reasons, here is how you can find out.
Einstein claimed compound interest was the 8th wonder of the world. A firm understanding of this rule regarding compound interest could change your life. This is how millionaires are made.
You can claim your girlfriend or fiancée on your taxes provided she meets certain qualifications. Here's how to do it and how much you can get back from the IRS.
A short overview of how to calculate fees for money transfers by bank or PayPal. Article shows how to calculate which method will be cheaper.
What are the pros and cons of owning physical gold? It is a complex question this hub tries to address this question and present both sides of the issue.
Tax rates for filer and non-filer taxpayers are different in Pakistan; non-filers have to have pay more tax. Here's how to become a filer and appear on the active taxpayers list (ATL).
A guide on how to set and achieve SMART financial goals and track your progress. What's keeping you from getting rich?
Discover different methods of transferring money from PayPal to Skrill. Which strategy is cheap and convenient, and which ones are costly and risky?
This information given here will help you to update your KRA pin to iTax. All old pins processed using ITMS are required to be updated to iTax. You do this by logging in to the iTax portal.
When subject to market conditions, that subjective view can negatively affect decision-making because it’s based on feelings rather than preplanned strategies. Trading decisions are better when remaining objective.
The private student loan system in the US is broken and Sallie Mae/Navient is the worst offender. I aim to educate student loan borrowers & campaign for change for those already in over their heads.
A detailed analysis of the AIM algorithm when varying the check frequency, % initial investment in equity, and high/low/medium beta ETFs. Concept of internal rate of return is used for comparison.
Mobile phone companies charge extra for various reasons. If you carefully check your statements and write a letter regarding the fees, you may be able to get them waived.
Inflation means that even if you get your money back as expected it may not buy as much as you thought. This issue is worse for some investments than for others.
There are tons of articles online about buying a car with cash, but none that answered my real question: how do you physically buy a car with cash?
Over the long haul, the stock market is your best friend. It beats every other investment out there. Here I'll remind you how and where to start investing.
Roth or Traditional IRAs for housewives and stay-at-home moms. Misconceptions about opening a Spousal IRA. Brokerages with low minimum investment IRAs to get you started.
Options roll-out gives the options trader the opportunity to add profits to his options trades or create defensive positions to threatened trades.
Warren Buffett is one of the world's foremost investors, and this book explores some of the principles he follows when deciding where to invest.
If you are willing to pay extra for an easy, user-friendly tax-experience, just follow TurboTax' s advice on which version fits your needs: Basic, Deluxe, Premier, or Home & Business. But you may be able to pay less and still get your taxes done.
You've been sued for a credit card debt! The purpose of this article is to help consumers determine if a lawsuit has been filed by an original creditor (the credit card bank with which you opened an account) or a debt buyer (a company who purchases defaulted accounts),
The majority of Paypal payments are instant but occasionally the payment will come through as a Paypal eCheck. Paypal eChecks are just like normal paper checks which take 3-4 business days to clear.
Step-by-step instructions on how to calculate the gold price per pennyweight, so you can figure out the value of the gold you want to sell or buy.
This article discusses 25 prepaid debit card fees and how much you can expect to pay in fees with certain prepaid cards.
A brief explanation of stocks and shares and how they work and what their good and bad points are for investors.
Do you know the pros and cons of a car donation? When you donate your car, how much of the car's value goes to charitable causes? Find out the good, bad and ugly side of car donations. Read more...
Combining family finances when you remarry can sometimes be a challenge. Here are a few tips and tricks for how to develop a family budget takes into account your blended family's unique needs.
Overwhelmed with interest and finance charges from payday loan? Fallen into a never-ending cycle of loan after loan? Read on to find out how to get yourself out of debt.
The principles of double entry bookkeeping are not easy. It's simple to say that for every debit there is a credit and but when it comes to actually entering transactions into the accounts, it can become tricky to remember if what you are entering...
Tax time doesn't need to be a stressful event if you maintain records throughout the year. Follow these tips to make filing your taxes a breeze.
Most who buy money orders don't give a second thought to where it was purchased. Ask when you purchase one if the receiver can cash it at the chain of stores it was purchased from.
What is it like being a volunteer coordinator for the Dave Ramsey Financial Peace University program?
Understand the different classes of shares in a company, how they differ and what they are used for.
What is the least expensive way to send money overseas? Is there a way to conduct a free international money transfer? There is. When you finish reading the explanation, you will wonder why you never thought of it yourself.
Foreign Exchange is a necessary tool for trading between countries, but rates of exchange are unfair to less powerful countries. It contributes directly to poverty and enriches banks and traders.
I started buying and trading currencies in 2016. So far, I've made a lot of money and lost a lot of it too. As I learn more about how Forex works, I find I win more than I lose. There's a lot of guides out there, but I thought I would try writing a guide that helps the average person.
Certain red flags that the IRS looks for can put you at risk for a tax audit. Stay out of trouble by reporting all of your income and only taking credits and deductions that your are entitled to and can support with proper documentation or receipts for all expenses.
What are the pros and cons of Chris Hogan's book "Retired Inspired"? And how does it relate to the RIQ tool and Dave Ramsey's books?
An easy introduction for merchants to start accepting payment in Bitcoin online or in-store, and a 10 ten list of the best payment processors for Bitcoin.
Learn how how 10 invisible enemies--denial, fear, complaining, not forgiving others, procrastination, pride, blaming, perfectionism, worry, and self-pity--can keep you from financial success.
Stocks always have a 50/50 chance of going up or down. Therefore, directional trading only has a 50% chance of success. Your odds can be improved by making neutral trades, which is possible with options on both sides.
Joe Dominguez and Vicki Robin help you change your relationship with money so that you can have financial peace.
Wanna open a Fixed Deposit online via Olnine SBI, but don't know how to? Well follow these simple illustrated steps and you should have you Fixed Deposit created in no time.
A step-by-step guide to paying off the debt you can and brining your credit score up 200 points over the course of a year.
Some are confused over the details on how cheques operate in the banking system. Further many are not aware how bank drafts work.
If you are a beginning options investor/trader do not be overwhelmed by the multitude of different options trading strategies. You only need to learn 4 effective simple options strategies for beginners.
If you are looking for job opportunities in Malaysia or already working here as an expatriate, these list of issues & Q&A on tax law in Malaysia LHDN will help you understand your tax exposure better.
Figuring out how to calculate your taxes can be very challenging, even with the help of a tax professional. If your dependent child collects unearned income from government benefits such as Supplemental Security Income (SSI), figuring out what to...