Overview Recycling in your home is one thing. You make sure all your soda cans and beer bottles go into the proper bin, and the newspaper goes in the recycle pile every Sunday. But can you carry this “green” mentality…
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Overview As children transition into adulthood, they begin thinking about non-platonic relationships. The process of exploring such relationships may begin as hanging out with members of both sexes at events like boy-girl parties, but soon enough parents are bombarded with…
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Overview When it comes to financial institutions, you may choose to keep your money in a bank, savings and loan or a member-owned credit union. While credit unions typically operate on a smaller scale than most banks, they offer unique…
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Overview Mortgage rates tell you how much it will cost you to borrow money to buy or refinance a home. That cost comes in the form of interest. The higher the rate, the more interest you will pay over the…
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A preferred stock is a hybrid security issued by a company that shares characteristics with both bonds and stocks. Like bonds, a preferred stock is primarily an income security, paying investors a specified rate which is typically much higher than…
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Overview Commercial banks and savings and loan associations share similarities, but also have differences. Both types of institutions accept deposits and make loans, but savings and loan associations are mandated by the Office of Thrift Supervision to provide residential loans….
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Overview A savings account is just one way to save your hard-earned cash in a safe and secure place. You can open a savings account locally with a bank, credit union, savings and loan association or online, and they offer…
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Sinus pressure and stuffy noses, whether from common cold or seasonal allergies, combine to heighten discomfort for days or even weeks. When symptoms of this nasal congestion begin, try turning to some home remedies from the kitchen and health markets…
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Overview Your credit history is a compilation of your current and past debts, accounts, personal information and public records. The credit bureaus use your credit history to generate both your credit report and credit score. Thus, your debt management skills…
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Solar power is an important energy option. Every day, the sun hits the earth with 35,000 times more energy than humans could ever use, according to Rik DeGunther, author of “Solar Power for Your Home.” Installing solar panels at your…
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Water pours from the faucet on demand, making the average person wonder why water conservation is important. High levels of consumption make it difficult for nature to keep up with the demand for fresh water. Plants and animals stand to…
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Overview “Monkey see, monkey do.” You have probably heard this statement before, and it most likely applies to your toddler. According to Geraldine Butler and Bernice Walmsley, authors of “Teach Yourself Successful Potty Training,” a love for imitating, especially peers,…
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Travel system strollers for babies are perhaps the most practical purchase that new parents can make. Certain models of many stroller brands include both a full-sized stroller that will hold a child as old as 4 or 5 in addition…
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Overview According to the National Vital Statics Report, the divorce rate in the United States is 3.5 per 1,000 people. So chances are you or someone you know has been involved in a divorce. Filing for divorce often results in…
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Overview Divorce proceedings are legally complex and emotionally challenging. Consequently, divorce courts across the United States express a preference for settlement of marriage dissolution proceedings through negotiations between the parties or their attorneys whenever possible, according to the American Bar…
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Overview Before 2006, people trying to convert a 401k to a Roth IRA faced a two-step process. Individuals had to first roll 401k funds into a traditional IRA, then make the conversion to a Roth IRA. The Pension Protection Act…
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Overview Providing your 10-month-old infant with proper nutrition will help him grow and develop at an appropriate pace. Each infant will develop differently, so type and texture of foods you offer may vary. According to the University of Kentucky College…
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Overview If you have ever been in a serious relationship, you know that relationship is difficult to maintain. Even healthy relationships require a great deal of hard work and attention from each involved party. Love, while important, isn’t always enough…
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Overview Savings and loan associations and commercial banks both provide basic banking services to customers, including check writing, debit cards, and loans and deposits. However, commercial banks typically service larger customers than savings and loan associations, and they tend to…
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Cheating in a marriage isn’t uncommon. According to the American Association for Marriage and Family Therapy (AAMFT), approximately 50 percent of couples who seek treatment are trying to work past an extramarital affair, and 25 percent of husbands in a…
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Overview Commercial banks and savings and loan institutions are structurally similar, but they primarily conduct business in different areas. Commercial banks tend to be larger than savings and loan associations, but they both must comply with federal regulations regarding banking…
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After investing months or years of love, support and friendship in a relationship, it may prove difficult to simply get on with your life when the union ends. Rather than ignoring the pain or trying to overcome unhappiness with a…
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If you want to meet new women, you need to go to the places where women go. You might meet your future wife at a bar, but the chances of making a solid connection decrease when drunkenness and grinding on…
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Overview Reverse mortgages are available in Anchorage, Alaska through private lenders, credit unions and the state Housing Financing Agency. The requirements for these mortgages are standard throughout the United States, and the loans provide one way for homeowners aged 62…
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Dehydration in children can be a very serious side effect of numerous illnesses, including diarrhea and vomiting. This side effect occurs when fluids are lost from the body and are not replenished. Severe dehydration is a life-threatening emergency. At the…
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Overview A credit report is a record of a person’s financial responsibility, detailing the amounts owed by that person, his history of repayment and any delinquencies in his servicing of personal debt. If you are thinking about lending someone money,…
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Overview If you convert your Roth IRA back to a Traditional IRA, the process is known as “recharacterization.” You must normally pay ordinary income tax on any transfers from a Traditional IRA to a Roth IRA. The recharacterization essentially undoes…
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Overview While most Individual Retirement Account conversions are from Traditional IRAs to Roth IRAs, you can convert your Roth back to a Traditional IRA in a process known as “recharacterization.” Recharacterizations can be more difficult to accomplish than other account…
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Overview Payday lenders serve as a source of quick funds for short-term financial needs. These companies provide cash-advance loans based on your agreement to repay the loan along with a fee on your next pay date. Payday loan companies are…
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Before you sign your name to a credit card application, make sure that you haven’t intentionally included any misleading information. Credit applications require your signature as a way to confirm that the information you have given is accurate to the…
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