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Special Report on

Down to Earth Finance

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column, we talked about the ins and outs of participating in your 401(k). But as many readers pointed out, not everyone has the advantage of an employee-sponsored retirement plan, with or without a match. In fact, only 55 percent of Americans working full-time had one in 2006. And part-time workers, freelancers, independent contractors, and those with lower incomes are the least likely to have a 401(k). That means it's vitally important that workers in their 20s and 30s, who are most likely to fall into all of these categories, understand the basics of the Individual Retirement Account (IRA). Just like a 401(k), an IRA ...
Since 2008 they have been playing in the second tier of English football. This marks only the fourth time they have played at this level in their history and is the highest league the team has ever played in. They were elected into the old Second Division in 1901 where they only spent two years before going back into the regional league. They were once again re-elected to the league in 1904, but only lasted a year before failing to be re-elected in 1905. 2 Their third stint at this level of English football was for 8 years from 1951-1958. This is seen as the club's most successful period. The club's colours have ...
REVIEWS AND OPINIONS
7 Steps to Achieving Financial Independence : Ms. Independent Magazine
Women are becoming more and more in control of their money.  As a result of this new financial confidence, there is an overwhelming amount of choices.  So, how do you know where to begin? Use these seven steps as a guideline to get your finances on track, simplify your life, and streamline your financial responsibilities.  1.   Take a financial snapshot.   A common obstacle to taking control of your finances is getting organized. Start by taking a 30-second snapshot: - How much do you owe? Record your mortgage, credit cards, student loans, personal loans and home equity loans.  - How much do you own? Assess all of your ... market research, surveys and trends
Teleclass: How to Gain Financial Sanity
This is a unique opportunity to learn from two experts in the field! Money Makeover Artist Lora Sasiela & Personal Finance Expert Galia Gichon have teamed together to share their expertise that will enrich and empower how you manage your money. This is unlike any other Personal Finance seminar you have attended because we will be discussing both the practical and the emotional aspects for you to achieve financial freedom! You will transform your anxiety around money, allowing you to move forward with confidence! By the end of this content-rich teleclass you will: have clarity on what needs attending to reduce your frustration ... market research, surveys and trends

SURVEY RESULTS FOR
DOWN TO EARTH FINANCE

Women in Love Pursue Wealth-and-Marriage Contracts | Womens eNews
While not yet the norm, nuptial contracts and cohabitation agreements are no longer the tool of wealthy men. Increasingly, women are initiating such contracts to safeguard their wealth and place value on their childrearing years. (WOMENSENEWS)--As couples sit down to celebrate a Valentine's Day dinner tomorrow night, some conversations may be turning to an unromantic topic: the prenup. With more women entering love and marriage with their own incomes and savings, they are increasingly taking precautions to defend their wealth and stay-at-home time from relationships that, in a divorce-prone age, can't be banked on. ... industry trends, business articles and survey research
15 tips to surviving a job loss (Page 1 of 2)
The unemployment rate for December was pegged at 7.6 percent by the Bureau of Labor Statistics, which says 3.6 million jobs have been lost since the start of the recession. And many experts feel the situation will get worse before it gets better. If you've recently lost your job, it's time to get your finances in order. Here are a few tips from the experts to help you address your financial obligations -- and keep your credit score intact -- while you work to get back on your feet. 1. Don't burn bridges It's tempting to take out your frustration on your boss, but he is likely to be a reference for your next ... industry trends, business articles and survey research
RELATED NEWS
DOCTOR WHO 5.11 'The Lodger'
Following the loss (and subsequent erasure) of her finance Rory Williams (Arthur Darvill), Amy Pond (Karen Gillan) and the Doctor (Matt Smith) teamed up with Vincent van Gogh (Tony Curran) against an invisible alien beast. Vincent also sensed Amy's innate sadness over Rory's fate even though she couldn't remember him or understand why she was crying. After dispatching the beast, the Doctor and Amy briefly brought Vincent to the future to see the impact his art would have upon the world. He was overjoyed and returned to the past. However, Amy was extremely disappointed to learn that Vincent still committed suicide ... market trends, news research and surveys resources
Diamonds not a girl's best friend
It totally sucks when geopolitics messes with your fabulousness. Just ask Jennifer Lopez, who faced pesky criticisms this week over her intention to perform at the opening of a $220 million hotel complex in North Cyprus on July 24. North Cyprus became a pariah state in 1974, when the island was invaded by Turkey. The timing of the hotel opening is seen by Greek Cypriot activists as deliberately provocative - it coincides with the anniversary of the bloody invasion. The activists urged J-Lo to unpack her Louis Vuitton bagages and boycott the event, making all sorts of noise about ''human rights abuses''. ... market trends, news research and surveys resources

INFORMATION RESOURCES

Galia Gichon has been helping
Down to Earth Finance, in 2001 to demys- tify personal finance through individual sessions and seminars without selling any investments. ... technology research, surveys study and trend statistics
Untitled Document
� �Where you live is key to your wealth and happiness no matter what stage you are in life.� So says Richard Florida, international best-selling author of the landmark book, The Rise of the Creative Class. Kiplinger�s Personal Finance teamed with Florida and the Creative Class Group to pick 25 cities with a large creative class�a population that fuels cultural and economic vitality�that are suited for people in different life stages. The Kiplinger/Richard Florida 25 Best Cities feature is the cover story of the June 2007 issue of Kiplinger�s Personal Finance (on newsstands May 15) and at www.kiplinger.com/links/bestcities . ... technology research, surveys study and trend statistics
downtown | down to earth | down to business
MBA/MS in Mathematics in Finance,. Courant Institute of Mathematical Sciences. • MBA/MPA, Wagner School of .... exceptionally intelligent and down-to-earth. ...
REAL TIME
DOWN TO EARTH FINANCE
  1. profile image greenexistence Fighting Over Money? | Down to Earth Finance: For example, you say you want to save for retirement but your spouse... http://bit.ly/93Uou1
  2. profile image JonGenet @alexgdowding nothing like student finance to bring you back down to earth!
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QUESTIONS AND ANSWERS
What is the standard to buyout a seller financed note? - Finance ...
The man I purchased my business from wants me to buy him out early. I bought the business is 2008 on a five-year contract at 7 percent. He wants me to pay him all of the principle in 2009. I understand that contracts are usually purchased at a discount. What is the standard operating procedure on this type of buyout? Asked by hcjhicks Posted: Saturday, April 18, 2009  |  Found in Finance & Accounting More answers by Galia Gichon If your contract is for five years, legally, you are not obligated to pay him early. However, if the previous business owner would like his principle early, you should find out the going rate ...
Cash Flow Tips for Small Business and Home Business from Business ...
Most customers follow a four-phase buying pattern when choosing where to make their purchase. Use your knowledge of these patterns to determine the best pricing for your products or services. Grants for Small Business Owners With the downturn in the economy there has been no shortage of rumors of government grants to help struggling businesses. While they do actually exist, grants are not easily obtained. Here's what you need to know about the availability of government grants and where you can go to look for them. Business Disasters Hidden in the Fine Print Whether it's your merchant account agreement, ...