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When was the World Bank Created?
The purpose of the World Bank is to offer advice and finance to nations for the purposes of economic development and eliminating poverty. The World Bank was created formally on [...]
12Jan2009 | Gaurav Bhola, MSM | 46 comments | Continued
What is a US Savings Bond?
A US savings bond is a government debt instrument offered to the public for purchase which provides a fixed rate of interest over a fixed period of time. The savings bonds are considered as a virtually risk free investment because it is backed by the full faith of the federal government. The only associated risk [...]
9Jan2009 | Gaurav Bhola, MSM | 0 comments | Continued
How Much Does it Cost to Go To College Online?
Online college costs have been going up like all other college tuitions. It has been difficult for many students to arrange for college admissions at public universities due to student admission limits perpetuated by lack of state government funding. Herein, online college degrees are being sought out in an unprecedented manner. Only a few years [...]
8Jan2009 | Gaurav Bhola, MSM | 51 comments | Continued
How to Get Student Health Insurance in College?
Higher education costs have gone up drastically every year, with no signs of abetting. Also, at the same time health insurance costs are showing no signs of leveling off. Excessive healthcare insurance costs have hurt millions without insurance by placing avoidable financial burdens on their shoulders. The untold millions also include college [...]
29Dec2008 | Gaurav Bhola, MSM | 77 comments | Continued
What is a PLUS Loan?
As the cost of college and university education rises, so does the necessity for student loans. School loans are critical for subsidizing higher education for many students. In addition to college students, parents can borrow funds to help their children with college tuition and other educational expenses. The PLUS loan is accessible [...]
28Dec2008 | Gaurav Bhola, MSM | 0 comments | Continued
How Much is My House Worth?
In a fluctuating mortgage and residential real estate environment, it can be difficult to determine the true cost of your home. Unless you have vast real estate experience, seeking avenues of assessing the true value of your most precious investment can be confusing. Hence, here are important tips for getting your true home [...]
28Dec2008 | Gaurav Bhola, MSM | 0 comments | Continued
Who Determines Interest Rates?
Most nations have central banks; interest rates are determined by the central banks.
Central Bank Monetary Policy
The proper economic policies have to be pursued by government to set the stage for stable prices and liquidity for the country. The central bank, in this case the Federal Reserve ensures it helps the government maintaining a proper balance [...]
How are Mortgage Rates Determined?
What determines mortgage rates? Consumers need to understand what causes mortgage interest rates to rise and fall. The common belief is that banks, the Federal Reserve, mortgage lenders, Fannie Mae and/or Freddie Mac decide the interest rates of mortgage home loans. There are several factors that guide mortgage rates.
Let’s start with the process at a [...]
What is a SBA Loan?
SBA loans are issued by the U.S. Small Business Administration (SBA), a federal government agency. The main purpose of the SBA business loan is to administer loan guaranty programs and provide support services to promote growth and development of small businesses across the nation. Since its inception on July 30, 1953, the Small Business Administration [...]
12Dec2008 | Gaurav Bhola, MSM | 0 comments | Continued
What is the Bureau of Consumer Protection?
Consumer protection acts are the consumer protection laws and the Federal Trade Commission (FTC) is the Bureau of Consumer Protection, an enforcement agency. Herein, if you receive a free credit report, place your name on the National Do Not Call Registry, or refer to product warranties’, stickers on home appliances showing the energy costs, or [...]
11Dec2008 | Gaurav Bhola, MSM | 0 comments | Continued
Overcome Home Equity Line of Credit Freeze during the Credit Crunch
In the real estate boom times, home equity lines of credit (HELOC) were as accessible as air. It seemed as if every homeowner had a equity line. It was not uncommon for consumers to open lines of credits with their banks in order to make home renovations, make purchases or pay for college education. [...]
5Dec2008 | Gaurav Bhola, MSM | 0 comments | Continued
Five Tips on Combating Increasing Credit Card Interest Rates
In the recent past, Congress has been delving into unfair credit practices of credit card companies. These efforts are part of a larger effort by Congress to rein in the abusive practices of card issuers. While Congressional lawmakers debate the issues, there are things you can do to find solace from rising interest rates.
Credit [...]
What is a Credit Score?
A credit score is the terminal product of a complicated formula that is used by credit reporting agencies to forecast risk for loan lenders and creditors. The credit score is ascertained by using information in your credit report, applications and/or account history.
The primary purpose of the credit evaluation is to determine the timely payment [...]
Top Five Homeowners Insurance Credits
Home insurance has always provided needed protection to homeowners. However, home insurance is not seen by most homeowners as a critical component of their overall financial picture, unless a claim is filed.
As a homeowner, you should evaluate your coverage one to two times annually to see if there are opportunities to save on home [...]
Home Based Business Insurance for Dummies
A home based business reflects the business owner’s time, persistence, and dedication. After nurturing your home based business, you need to protect your investment. It is important to protect what you have toiled over and nurtured with proper business insurance coverage.
Generally, home insurance policies protect up to $2,500 for business equipment. However, these are [...]
How Does Debt Consolidation Work?
Debt consolidation is the process of taking out a singular loan to pay off many other debts. Consolidation is a component of debt management or debt counseling; performed to secure a lower interest rate.
Ultimately, the purpose of performing a debt consolidation is to acquire a fixed interest rate or for the ease of servicing [...]
How Immediate Annuities Work
Single Premium Immediate Annuities (SPIAs) are purchased by an annuitant with a one-time single payment. Once the annuity is annuitized, payments are made once a month to you. The annuity payment starts 30 days from the date of deposit; but payments may be deferred to a subsequent date.
It is crucial to understand what happens when [...]
Well put together. 
Thank you Allison and Pete.
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