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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Global Thinking for Small Business
In 2010 we gave you five financial tips for starting a small business and we certainly hope those tips helped you start your business and got you on the path to growth and financial stability. Now is a good time to take those five tips and apply them to the global economy. In a recent [...]
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Cross-border banking made easy
Canadians are always looking for easier ways to pay U.S. bills. RBC and TD Canada Trust — now have good options.
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?Nandos Diet!? says Rita Ora as she shows off her enviably toned stomach
Don?t you just hate it when some skinny person with an amazing body says: ?oh god I?m so fat at the moment. Oh god I?m disgusting look at this? *pulls up shirt, attempts to squeeze non-existent flab* ?gross, right??
Yeah, we hate that too ? so we know you too are going to feel angered by the picture above of Rita Ora, essentially doing exactly that.
She posted a snap of her impressive, toned tummy on Instagram and alongside it said:
?Nandos diet and 6 second abs booom lol?
If by Nandos she means ?no carbs for a month? and by 6 seconds she means ?daily gym session? then we might just believe her.
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Your Take: WSJ?s Image of the American Taxpayer
So the Wall Street Journal ran an article earlier in the year, just after the fiscal cliff was “averted” and the American Taxpayer Relief Act was passed, in which they talked about how much your taxes will go up. I don’t read the WSJ all that often but I was a little surprised how out [...]
Your Take: WSJ’s Image of the American Taxpayer from personal finance blog Bargaineering.com.
The post Your Take: WSJ’s Image of the American Taxpayer appeared first on Bargaineering.
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Transferring Condo to Parents (Tax Implications? - what's the best way?)
Just trying to get an idea as to what would be the best way to transfer over a condo that is currently in my name, over to my parents' name, while minimizing the tax implications.
Obviously when I go through with this, I'll be dealing with an accountant/lawyer, but just to get an initial sense of the different ways I could go about doing this, thought I would reach out here and get a few opinions on RFD.
- condo is in my name
- mortgage is under my name, but co-signed by my dad (I was still early in my career at that time)
- I just bought a new house with my wife, so we want to sell the condo (which we currently live in and will be moving out to new house) it to capitalize on the principal residence exemption
- parents want to keep the condo, so we were thinking of transferring the condo over to my parents
Is there a tax efficient way to transfer the condo ownership over to my parents? Can we simply add them to the ownership and take my name off, while staying on the mortgage? There's probably some tax implications right there for gifting.
Like I said before, probably best to get full out professional advice, but thought I would get an initial feel about the different ways I could go about doing this.
Thanks!!!
Obviously when I go through with this, I'll be dealing with an accountant/lawyer, but just to get an initial sense of the different ways I could go about doing this, thought I would reach out here and get a few opinions on RFD.
- condo is in my name
- mortgage is under my name, but co-signed by my dad (I was still early in my career at that time)
- I just bought a new house with my wife, so we want to sell the condo (which we currently live in and will be moving out to new house) it to capitalize on the principal residence exemption
- parents want to keep the condo, so we were thinking of transferring the condo over to my parents
Is there a tax efficient way to transfer the condo ownership over to my parents? Can we simply add them to the ownership and take my name off, while staying on the mortgage? There's probably some tax implications right there for gifting.
Like I said before, probably best to get full out professional advice, but thought I would get an initial feel about the different ways I could go about doing this.
Thanks!!!
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Monday, January 28, 2013
Hundreds of Sure Start centres have closed since election, says Labour
Funding for children's centres in England has been cut by a third over two years, according to opposition figures
More than 400 Sure Start children's centres have closed during the first two years of coalition government, with over half of those still open no longer providing any onsite childcare, according to Labour.
Despite claims by the prime minister, David Cameron, before the last general election that he "backed" Sure Start, Labour says �430m was cut from English local authority Sure Start budgets between 2010-11 and 2012-13.
London (126) and the south-east (62) are the regions that have seen most closures, according to Labour's figures, which were obtained through parliamentary questions. At local authority level, the three councils that have closed most children's centres are Conservative-run: Lincolnshire, Hampshire and Cornwall.
Using freedom of information responses received from 151 of England's 152 top-tier councils, Labour estimates that Sure Start funding has been cut by one third over the past two years ? a real terms reduction of �431,844,582. Within this figure, day-to-day running costs were cut by 19%, while capital funds were reduced by 96%.
Ministers have said that of the 401 closures, only 25 were what it termed "outright closures". The other 376 centres were reduced by reorganisations, including the merger of two or more centres. A Department for Education spokesperson said of the Labour figures: "This is nonsense. There are over 3,000 Sure Start centres in England and as this PQ [parliamentary question] states just 25 have actually closed, less than 1%. They are open to all and targeted at the poorest children.
"Less than 4% of full daycare is offered by Sure Start centres. We will give poorer two-year-olds 15 hours of free childcare every week and we are reforming funding arrangements to make sure more money goes to the frontline.
"We are also increasing funding to �2.4bn in 2013-14 and to �2.5bn in 2014-15. Councils continue to have the freedom to spend this where it's needed most, including Sure Start centres."
Labour cites a census of 500 Sure Start children's centres published by the 4Children charity last July, which showed that 55% had abandoned onsite childcare, and a fifth were charging for services that were formerly free. A fifth had reduced the number of qualified teachers and a further 20% reported they would have to reduce childcare staff.
That report concluded that despite heavy cuts, many local authorities had tried to protect Sure Start funding, and children's centres were "a picture of resilience and creativity". But 4Children warned that this "impressive fortitude" may not be sustainable in the long run.
The charity said it had not revisited the issue since its survey was published last year.
Sharon Hodgson MP, Labour's shadow children's minister, said Cameron had broken his promise to be the most family-friendly government. She said: "Before the election, David Cameron said he would protect Sure Start. But on his watch we have seen over 400 children's centres shut down, and the services they provide cut as well."
The survey is published just days after it emerged that �150m topsliced by the education secretary, Michael Gove, from English local authority funds earmarked for early intervention projects such as Sure Start and family support will be spent on the government's adoption strategy.
Local authorities see this as a further drain on their early years resources. Last autumn the government signalled that �1.5bn currently given to councils to spend as they see fit on early years projects will be spent instead on funding the government's commitment to provide free nursery education for two-year-olds.
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Where Can I Get IRS Tax Forms (or Where Can I File Free)?
Remember when you used to get a package of small booklets in the mail at the beginning of the year? �They had those real thin pages, like newspaper and there would be official computer forms included. Well those packets, your IRS 1040 tax forms for the previous year, haven’t been mailed out since 2011. According [...]
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Where Can I Get IRS Tax Forms (or Where Can I File Free)?
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Kristen Stewart Shops for Engagement Rings
After four years and four blockbuster films, Robert Pattinson and Kristen Stewart are ready to take their relationship to the next level.
In Touch has learned that Kristen went shopping at Neil Lane in West Hollywood with a friend in early June and stunned eyewitnesses when she headed straight for the engagement rings!
?She was trying on gold rings with various colored diamonds ? nothing traditional,? one excited onlooker tells In Touch of the 22-year-old Twilight actress.
Kristen used to be in favor of taking ?baby steps,? but a friend of the couple tells In Touch, ?She loves Rob, and she?s finally ready ? an engagement is a logical next step.?
They?ve been building toward it, adds the friend: ?In the past year, they?ve really heated up ? moving in together, traveling together, introducing each other to friends.?
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Overcoming the Expiration of the Payroll Tax Cut
Over the past couple of years, you’ve been spoiled. You’ve had an extra 2% in your paychecks thanks to the payroll tax holiday. Normally, you pay 6.2% in Social Security taxes. But during the past two years, you’ve paid just 4.2%. This was never intended to be a permanent tax break — in fact, it wasn’t [...]
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