» Personal Finance
If you work as a freelancer in the US then the chances are that you are going to need to submit a Form W-9. While this form will be used for tax purposes you don’t actually use it to pay taxes. This only form applies to people who actually work in the States as a freelancer – those outside the US will generally need to send a W-8.
Some of us may not be aware of this but it is possible to use our bank card as a debit card or a credit card in a lot of shops. The decision to choose either of these options will have pros and cons and it is therefore a good idea to consider these fully before deciding on either option. If you are using your bank card as either a credit or debit card the money is still going to be taken from your account.
Choosing to purchase life insurance is a great way to protect your family should anything happen to you. Of course, most of us want to think too much about not being around, but knowing that those we love are going to be taken care of can be reassuring. While getting life insurance is often a wise move there are mistakes that people can make when choosing this type of policy.
A unit trust is a type of collective investment scheme that is popular in countries such as the UK, Australia, and South Africa. In some way it is similar to the mutual funds investment that is popular in the US. It is a quite a unique type of investment in other ways though, and anyone who is planning to choose this option might want to investigate carefully. The unit trust was first introduced in the UK back in 1931, and it has become quite popular since that time.
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.
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 »
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.
Mortgage interest rates change all the time and this can make life difficult for those of us who have to make such payments. These fluctuations can mean that we sometimes have to pay more money each month on interest – or at a later date if we have a fixed rate mortgage. The fact that the mortgage rate is so unpredictable is one worry that people have when they apply for one. Wouldn’t it be great if there was just one mortgage rate and that it never varied? Unfortunately this isn’t really likely to ever happen.
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