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What Is a Deductible?

A deductible is something that is most associated with insurance policies. It is important for anyone who is choosing many types of insurance to understand what a deductible is and how it affects them. If an insurance policy does come with this type of clause then it could mean that if you have a need to make a claim you might not be entitled to anything back.

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What Is FICA?

The Federal Insurance Contribution Act (FICA) mandates that money needs to be collected from employers and employees and held in a special Social Security Trust Fund. It is necessary for every employee to pay a certain percentage of their wages (usually 12.5%) to go to this fund and that same amount of money is also required from the employer. This scheme has been in operation in the United States since 1935 when it was introduced by President Franklin D. Roosevelt as part of the Social Securities Act.

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What is Fraud?

What is fraud? You might think the answer to this is obvious, but the fact that some people seem to be able to get away with what others might consider fraud shows that it isn’t so straightforward. If we hope to be able to deal with fraud effectively it is important that we have a good definition of what this actually is.

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What is a Capital Expenditure?

Within business the term ‘capital expenditure’ is often used; you might also see it written as CAPEX, or investment expenditure. When we talk about capital expenditure we are referring to those investments that will produce rewards at some time in the future. This investment could occur in any number of ways such as buying new equipment for a factory or developing current resources. It is usual to view capital expenditure as those investments that will provide a return for longer than just one year.

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What is an Annuity and How to Choose One

If you want to be sure of an income for the rest of your life then one option is an annuity. This is a financial product sold by an insurance agent, and it has become a popular way for people to prepare for their future following retirement. There are many options when it comes to this type of investment so it makes sense to find out as much as you can before committing yourself to anything.

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How to Choose Between Credit Card and Debit Card? What’s the Difference?

If you are faced with the dilemma of choosing a credit card or debit card there are a few things you will want to consider. Both of these pieces of plastic provide a different service and each has pros and cons associated with them. When you understand what each card has to offer you will be more likely to choose the one that is going to be most suitable for your needs. Read the rest of this entry »

What is Debt Consolidation and is it a Good Solution for Everyone?

At the moment there seems to be a lot of people struggling with debt. Some people can feel really trapped in this situation and will be willing to consider almost any option. There are many businesses these days offering debt consolidation services and this can seem like a good solution to this type of problem. While it is certainly something worth considering it is also important to understand that this might not be the best choice for everyone. It is also true to say that not all debt consolidations businesses offer a quality service.

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How to Avoid Forex Scams?

During the last few years you may have heard mention of the Forex scam in the media. Many people have already been hurt by this type of scam and there seems to be no decrease in the number of people being caught by it. One reason why so many people seem susceptible to a Forex scam is due to a lack of knowledge about how it works.

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