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.
How to file an SSS funeral claim, from all required documents to filing the claim in your local office.
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.
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.
How do you save money every month? Don't spend, live below your means, and do without. Examples of how I have saved!
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...
Many people don't realize that they are greatly underestimating the amount of money they need for retirement. These three tips will help you see where you really stand.
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.
Is playing within the rules tax evasion and 'not paying your fair share'? Is everyone that lowers their tax bills evading taxes? Is lowering your tax bill illegal or something even the IRS expects? What is the difference between tax avoidance and tax evasion?
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.
Great ways to make extra money or cash with no skills required. Make extra cash, earn additional income and build your wealth now, immediately, fast or quick. Get extra money every week, month, year.
Maven is a content platform for expert journalists. In 2018 they began purchasing well-established publishing companies such as HubPages. This is my analysis of a stock investment in this publicly traded organization.
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.
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.
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.
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.
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.
It's important to have a personal budget and use it as a tool to analyze what happens with your money and to make the best financial and spending decisions.. Following a budget will benefit your life in remarkable ways, putting you in control of your income and expenses.
One of the best indicators that can be used to predict a change in stock market direction is the bull/bear ratio sentiment indicator, which gauges stock market participant's current sentiment about the market.
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.
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.
There's no more need to get your remittance physically. All you need to do is to tap a few buttons, and you're done!
Social Security Disability benefits are cash payments the Social Security Administration sends to thousands of disabled Americans. Here's how to change your address if you move.
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.
To send or receive Bitcoin a person needs a wallet such as Coinbase. Coinbase is very similar to PayPal, but is for cryptocurrency transactions. This is a guide to setting up a Coinbase account.
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.
BDO, BPI, Metrobank and Landbank are the biggest banks in the Philippines, the country's Big 4. Each one has its own strengths and own groups or types of loyal clients, so none of the four, to my mind, can claim that it's the most powerful or most popular bank in the country.
Whether you are selling weekly put options for income or formulating a monthly investment plan, selling options can be a great method to consistently generate monthly premium income. Discussed below is a strategy to generate 12% per annum with minimal volatility.
GCash is one of the country's leading mobile money services and offers a helping hand in many payment and mobile transactions. In this article, I will show you how easy it is to pay your Meralco bill using your GCash App.
This budget process ensures every single dollar you are spending is included, so you can see where money is spent, and where money can be saved. Authored by a Chartered Accountant.
Demand for Bitcoin and its scarcity will continue to drive the cryptocurrency higher. Best to buy and hold, even when the inevitable bubble pops. It'll soar even higher afterwards.
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 a TI BAII+ calculator in a few steps.
If you are regularly making money from HubPages or other online activities you are considered to be a small business owner and required to pay taxes on this income. Here is how to keep your business
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...
What is it like being a volunteer coordinator for the Dave Ramsey Financial Peace University program?
Options roll-out gives the options trader the opportunity to add profits to his options trades or create defensive positions to threatened trades.
This article discusses the steps for withdrawing PayPal funds to BPI (Bank of the Philippine Islands), complete with step-by-step pictures.
Banking over the internet has made the life easy for users by providing online access to various banking services.
A brief explanation of stocks and shares and how they work and what their good and bad points are for investors.
Learn the truth about your spending habits so that you can stop kidding yourself and start doing better financially.
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.
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...
Find daily maximum withdrawal limit from Axis Bank ATMs. With a required amount, you can get financial freedom and hard cash.
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?
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.
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.
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.
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.
If you plan to enter the business of trading shares or stocks for a living, then you are likely to come across Average Directional Movement (ADX). ADX has become a widely-used indicator by traders throughout the world.
Clear and simple tips to finally get your financial records organized, including what to keep and what to shred.
Many banks no longer offer safe-deposit boxes. But you have documents and items you want to keep secure. Here are some guidelines on the options still available to you.
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...
This article discusses 25 prepaid debit card fees and how much you can expect to pay in fees with certain prepaid cards.
Discover different methods of transferring money from PayPal to Skrill. Which strategy is cheap and convenient, and which ones are costly and risky?
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,...
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.
Learn how to figure out the maximum price buyers of scrap gold will pay per gram or ounce when you sell your old jewelry or dental work. Note that its real market value depends on many factors.
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?
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.
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.
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.
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.
A simple, easy-to-implement method of managing bills so as to minimize credit card late fees and bank overdraft fees. For use when life has thrown you under the bus, and you just need to survive.
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.
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.
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.
Looking for a smarter way to do things around the house? Tackle one small project a day and in a year you’'ll add 122 hours of productivity to your life. That’s three weeks worth of full-time work!
Hub that explains the workings of Muslim Banks, Islamic Finance and the financial products. Without charging interest how do these institutions make money?
See how an options trader was challenged to prove that trading options alone can and does produce higher stock market returns than investing purely in stocks.
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.
This article explains the life cycle of financial planning and the five life stages, from teenage years to successful retirement.
What is a hedging strategy? How can binary options be used to for a hedged position? Can binary options be used in a hedging strategy?
Real Estate Investment Trusts (REIT) and Masters Limited Partnerships (MLP) are investment vehicles that typically return a higher than average dividend.
Managing a budget is a critical skill for any businesses that involves monitoring, controlling, recording expenses, minimising costs, and identifying situations for corrective actions.
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.
If you are recently married, or perhaps have been for awhile, there is a good chance at least one of you in the relationship struggles with talking about money. If this is the case, I have some positive advice for you.
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?
If you have an account with State Bank of India (SBI), here are the rules about daily ATM card use including maximum withdrawal limits.
Social security benefits are usually tax-free but not always. Interest income, dividends, pensions, IRA distributions, and employment income can all contribute to making your social security benefit taxable. Up to 85% of your social security benefit maybe taxable as income.
Stocks always have a 50/50 chance of going up or down, so you only have a 50% chance of success. I'll describe non-directional trading strategies that improve odds.
How to remove medical debt collections from your credit and improve your credit score. How to deal with debt collection agencies.
Investors often fork over thousands of dollars for capital gains taxes that they could defer indefinitely with 1031 exchanges. Learn the basics about how IRS code Section 1031 can preserve wealth.
Find the maximum withdrawal limit from ICICI ATM per day. Type wise debit card ATM withdrawal limit is given.
A guide on how to set and achieve SMART financial goals and track your progress. What's keeping you from getting rich?
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...
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.
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?
The purpose of this article is to clear up some misinformation in regard to debt validation and to provide facts based upon the Fair Debt Collection Practices Act and court rulings.
Internet 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.
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.
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?
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.
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.
There are fundamental reasons why Bitcoin and other cryptocurrencies are likely to rise in the long run.
Don't get duped when it comes to buying and selling silver bullion. Do it the right way—just like the pros do.
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.
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?
GCash recently launched GSave, another new feature that can help you create your very own in-app savings account. In this article, you will learn how to open a GSave savings account and how you can deposit using your GCash app.
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.
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.
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?
Mistakes made when filing your tax return can lead to delays in receiving your refund. In my tax office I see mistakes that are often avoidable. Some "mistakes" are intentional and are illegal attempts at trying to increase a tax refund.
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.
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?
Stock analysis employs simple mathematical tools leading to better stock selection and investment decisions.
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.
Investing in OTC stocks is risky business as it is, but if you head to iHub for advice, you may take your investment from risky to suicidal.
Step-by-step instructions for conveniently paying your PLDT Home DSL or Fibr bill using your phone and the GCash app.
Going to college is an exciting time in a young adult's life. However, many new college students don't understand the basics of finances. This article will cover all the basics of financial literacy in order to aid the college student in making sound financial decisions for the first time.
Don't have a credit card but still want to buy products online? Here are ten (often safer) alternatives for you to try!
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.
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!
In this article you'll find a step-by-step guide to purchasing Bitcoins using Coinbase. Coinbase is an easy and secure service for buying bitcoins using a bank account.
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.
What are the pros and cons of owning physical gold? This article addresses this question and presents both sides of the issue.
Short selling options, either with stocks or with futures, can put the odds in your favor when you sell option premium. Time decay works in your favor, and there are additional advantages with options on futures.
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.
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
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.
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.
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're ready to pay off debt and you want to know how to stay motivated? Read this for tips on being motivated, what to do when you get weak, and how to eliminate the need to be motivated. It's time to take back your life and money.
Don't let old furniture sit around and collect dust—donate it! You will be surprised to find how easy it is to donate furniture—many organizations pick it up for you, plus you can enjoy a nice tax deduction.
Money invested in stocks is 100% at risk. I learned how to limit risk and improve success rate by using the TastyTrade method that I fully explain in this article.
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.
Remember when Bitcoin cost pennies? Those who bought it are flying around in their personal jets now while those of us who waited are writing for a living. Well, here's your chance to do some mining for XYO, a cryptocurrency you can earn while you are out and about in your car.
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.
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.
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.
Bitcoin is often seen as the face of the Crypto market, but it is at risk of being replaced by coins with far superior technologies. Here are the possible candidates that could replace it.
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.
Withdrawing your winnings from Bovada can seem like a daunting task at first. This article will help guide you through the process.
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...
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.
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 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.
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.
Find out the top 10 upcoming initial public offerings that are being floated in the Nepali share market in 2019. Interested in dabbling in the Nepali stock market? These upcoming IPOs will give you a head start.
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?
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.
This Pay Bills with GCash tutorial will guide the reader on how to use the GCash mobile app to pay for different bills, merchants, and utilities.
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.
Procedures while developing a budget including estimations, identifying priorities and financial resources, purpose and benefits of identifying priorities evaluating and justifying costs, income
Only the upper echelon of business tycoons, high-tech geniuses, entertainment and sports stars, and national lottery winners can lay their hands on $100 million. But if you’re one of them, you’ll appreciate this list of what you can buy for the money.
This information given here will help you to update your KRA PIN to iTax by logging into the iTax portal. All old PINs processed using ITMS are required to be updated to iTax.
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.
Some are confused over the details on how cheques operate in the banking system. Further many are not aware how bank drafts work.
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...
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.
Dismiss the myths you might have been led to believe about claims for damage done by hail to your home and property.
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.
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.
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.
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.
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.
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.
Easy tricks known by pawn shop owners to tell real silver jewelry from fake pieces made of other metals.
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.
SoFi is a private financing company that offers student and personal loans to qualified applicants. Here's my experience getting a loan from them.
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.
Explains the difference between tax planning (legal), tax evasion (illegal) and tax avoidance (somewhere in between) and the risks involved.
There are many ways to repair your credit score. Fingerhut was our first credit repair attempt and it worked!
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.
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).
Authors Elizabeth Dunn and Michael Norton review research on spending money and suggest five principles for getting more happiness from spending your money.
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.
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.
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...
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.
Receipts a mess? Organize them in 4 simple steps so you find what you need and are ready at tax time.
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.
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.
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.
The Philippine Social Security System now accepts loan applications online. No more paperwork! Find out how to apply for a salary loan in five easy steps.
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.
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.
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.
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.