What happens if you get a 0% or 1% 10 months no interest card, take a cash advance on it, use that to pay off your student debt, and then declare bankruptcy?
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Wednesday, January 30, 2013
What happens if you cash advance credit card to pay student debt?
People say when you declare bankruptcy, your student loans don't go away.
What happens if you get a 0% or 1% 10 months no interest card, take a cash advance on it, use that to pay off your student debt, and then declare bankruptcy?
What happens if you get a 0% or 1% 10 months no interest card, take a cash advance on it, use that to pay off your student debt, and then declare bankruptcy?
The Scoop On Online and Onsite Payday Loans
Payday is a week away and your phone bill is a week past due: if you don't pay the bill, your service will be turned off and you may lose clients, as your job depends on telephone interaction. Clearly, you need to pay the bill-and fast. Could a payday loan be right for you?
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Tax Basics: Consider All Your Options
NEW YORK (TheStreet) -- When preparing your tax return you are often given choices on how to treat certain situations. Here are some examples: File Married Filing Joint, or Married Filing Separate. Claim a personal exemption for a dependent student, or allow the student to claim an education tax credit on his or her own return. Claim an "above-the-line" adjustment to income for tuition and fees; an itemized deduction as an "employee business expense" if applicable; or an education tax credit. Depreciate a new business asset, or claim a Section 179 expensing deduction. Itemize your deductions, or claim the standard deduction. Deduct state and local income tax paid, or state and local sales tax paid. Deduct state and local sales tax paid from the Optional Sales Tax Tables, or claim the total actual sales tax paid.
When faced with choices, do separate tax calculations for each option to see which results in the lowest tax. ...
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Reader Mailbag: Ice Storm
What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question. 1. Finding my 401(k) 2. Giving to church or charity? 3. Mortgage schedule 4. Leftover standby 5. To mortgage or not? 6. Frugal solitaire activities 7. Monthly [...]
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SAG Awards 2013: Justin Timberlake And More Best Dressed!
Jennifer Lawrence and Claire Danes also look modern and chic on the red carpet.
By Maud Deitch
Justin Timberlake arrives at 2013 SAG Awards
Photo: Getty Images
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New Small-Cap MLP Fund Offers Potential for Yield, Growth
NEW YORK TheStreet -- In the last couple of years there has been a flurry of exchange-traded products covering the master limited partnerships, or MLPs, with all of the funds so far having slightly different weightings of the same relatively large MLPs. MLPs often provide infrastructure that allows oil and gas to get from one place (where it is taken out of the ground) to where it can be processed for consumption (like refineries) and collects what amounts to a toll.
The new Global X Junior MLP ETF hopes to separate from the pack by offering small-cap MLP exposure. The Global X literature promoting the fund points to IEA estimates about increased oil and gas production in the U.S. benefitting MLPs in general, and increased production in the Bakken benefitting the small caps in particular, as the catalyst to buy MLPJ because exploration is more likely to involve smaller companies, even for transportation.
The methodology for the underlying index' construction calls for companies with market caps of $2.5 billion or less. The largest holdings in the fund are Suburban Propane Partners 6.77%, Northern Tier Energy 6.61% and Alliance Resource Partners . The fund has 25 holdings in all and charges a 0.75% expense ratio. ...
Click to view a price quote on SPH. Click to research the Utilities industry.
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Tuesday, January 29, 2013
Buying A Car Or Getting A Car Title Loan? There's A Difference
When shopping for a loan, have your loan options in order. Financing any type of loan means doing your homework in advance in an effort to get a better loan. Annual interest rates (APR), payment options, balloon payments and other loan related issues play a large part in the loan process. Arming yourself with the proper information before you make a decision and sign on the dotted line is important to making sure you get the best loan possible.
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Climbing The Credit Score Ladder With A Payday Loan
Lenders who provide auto title loans, cash advances and pay loans do not report to credit bureaus. It is still important to make those payments on time but if you are expecting to see a credit rating hike by borrowing with these creditors, you will be disappointed.
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4 Practical Money Skills You MUST Teach Your Children
In a perfect world, parents and educators (not to mention society itself) would work hard to make sure that our children are financially literate. In that utopian ideal, money skills would be considered just as important as reading, writing, and arithmetic, infants would cut their teeth on money books, and not knowing how to budget [...]
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Childcare changes will cut play and inhibit learning, say carers
Proposed child:staff ratios have caused concern across the sector, with many worried about the implications
Terina Manchand-Simpson, manager of Lithos Pre-school in Swiss Cottage, north London, believes that "free-flow play" ? which involves moving between indoor playrooms and an outdoor playground at will ? is one of the most important facilities that her centre offers. And one that the children she cares for enjoy.
"It's not just about their physical development," she said. "Being able to go outside whenever the children want sparks unexpected learning curves. When it was snowing, they broke ice off the play equipment and we talked about it melting, then put snow into a tray with toy polar bears. In the autumn, they picked up leaves and we did all sorts of projects."
But Manchand-Simpson fears that free-flow play may have to stop, thanks to the increased child-to-staff ratios.
Statutory ratios vary for age and settings but the changes due to come into force in the autumn will increase the number of two-year-olds per adult from four to six. For those aged one and under, the ratio will increase from three children per adult, to four. Nurseries will have a 1:13 staff to child ration that allows more babies, while childminders on their own can have 1:6, again, with more babies.
"When I first heard about the new ratios [for two-year-olds], my immediate thought was: 'How will this impact on the children?' I thought straightaway of our free-flow play.
"We have 15 children here and a child: staff ratio of 3:1. I just don't see how those same adults could safely care for twice as many children," she said, staring out into the playground and trying to picture it. No. I can't see how that would be safe."
There are other implications from the new ratios. Monday was the start of Micah Daycreator's third week at the pre-school ? and the first day he didn't arrive tearful, needing one-to-one attention from Manchand-Simpson.
"Micah is a standard, normal three-year-old. He just took a long time to settle," said Manchand-Simpson. "I could give him the attention he needed but there's no way I could have done that had I had more children to look after."
Natalie, Micah's mother, also pointed out that her son has chronic asthma: "What are the implications for his care if there are more children per staff member?"
Manchand-Simpson's concerns are echoed by many across childcare. Nursery World magazine reports that almost the whole sector is against the new proposals. The National Childminding Association (NCMA) said its members feel so strongly that they have started a petition in protest.
Almost 95% of respondents to a survey by the Pre-School Learning Alliance said they would not be able to maintain quality service with fewer staff. The Day Nurseries Association, which speaks for the private sector, are also opposed, despite half of private nurseries making almost no profit this year.
Others give qualified support. Celine Coldman, an NCMA member in Rochdale, said ratios are something "you just can't generalise about". But, she adds: "To say that a newly qualified childminder could look after four children is simply quite frightening."
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