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The ABCs Of Refinancing

(category: Financial, Word count: 556)
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Since the advent of information technology, more and more people are enticed to engage in some activities that will make their lives easier and better. This is especially true whenever people get into trouble such as debts.

What they know is that they should find some ways on how to alleviate their problems, even if it means changing from one aspect to another with the risk of getting into another trouble.

Take for example the concept of refinancing. Some people instantly opt for refinancing thinking that this is the best way to eliminate those debts. What they do not know is that refinancing could be a better alternative. However, in reality, changes may take place if the process is employed with the wrong directions.

The Concept

Refinancing, basically, refers to the way people are given the chance to request for a "secured loan" with the purpose of paying off the existing primary loan.

The main reason why many people are opting to refinance their debts is base on the fact that these people can no longer afford to pay more interests. They want to lessen, if not eliminate, the amount of interest charges.

In most cases, the most widely known kinds of refinancing are those that involve home mortgages. This is because home mortgages are usually the ones that are hard to pay off. Hence, what happens is that they continue to accumulate debts because of the growing interest charges.

So for those who have some problems on their debts and wish to reduce or eradicate interest charges, it is best to use refinancing. But you should be aware of the pitfalls behind it so as to avoid further trouble.

Here is a list of some tips that will help you construct good refinancing plans.

1. Be wary of the money involve

There are instances wherein the people are not fully aware of the amount and the classification of finances involved in refinancing.

It is extremely important to take note of this because if not, the refinancing of some amount is limited to what they can afford.

2. Do your homework

There are no better ways in learning than to learn through experience. Hence, in order to foretell the future, it would be best to conduct some researches or information regarding the interest rates to be given by the company to the people.

3. Compare charges

Before deciding on a particular refinancing scheme, it is best to analyze the situation first. And the best way to do this is to shop around and compare their features and offers.

The point here is that through comparison, the consumer can tell the edge of refinancing plan over the other.

4. Clear things out before walking out of the room.

If there is one thing that is not clear to you, try not to dismiss the fact by asking questions instantly. This is the primary step in breaking the ice and solving the problems.

5. Require pertinent documents

These documents are generally used to provide enough proof for the mortgage maker whenever they are trying to close a deal with a client. These documents are your key to success, without it, you can never access any endeavors for that matter.

The best thing about having these is that people may have the chance to live a life out of debts. As long as the proper measures are made, refinancing may be a good solution to life'sfinancial problems.

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Economic Data And Its Influence On The Financial Markets

(category: Financial, Word count: 620)
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The things which contribute to price levels and action in the financial markets are numerous and diverse, and their influences can vary through time, and across different markets. This article identifies the different types of Economic Data influences and the role they play.

There are two ways economic information can influence prices. The first is in the macro sense. Macroeconomic inputs include:

Interest Rates

Economic Growth (GDP)

Government Budget Surpluses/Deficits

Trade Balances

Commodity Prices

Relative Currency Exchanges Rates

Inflation

Corporate Earnings (both for individual companies and the broad collection)

These elements will generally all have long-term inputs in to the pricing of any given market. They do not tend to move in sharp, dramatic fashion, so their influences also tend to be seen over longer periods of time.

That said, the release of economic data related to the above can be seen to have serious impact in the short-term activity in the markets. This comes primarily in the form of data releases. Some of the most important are:

Employment Data

Trade Data

GDP growth figures

Consumer & Producer Inflation rates

Retail and Wholesale Sales

Confidence & Sentiment Readings (U. Michigan survey, etc.)

Income & Spending

Production

Interest Rate policy decisions

Earnings releases

The markets can react in very, very dramatic fashion to these releases when they are out of line with expectations. The foreign exchange market, namely the EUR/USD exchange rate, provides a striking example.

On one Friday morning at 8:30 Eastern the monthly Non-Farm Payrolls report hit the wires. This report (released on the first Friday of each month) probably provides the most short-term volatility across all market sectors of any regular economic release. When the data comes in well off of market expectations, fireworks can ensue, as was the case in the example. Over the course of about 2-3 minutes EUR/USD fell more than 20 pips, turned around and rose about 60 pips, then fell back down to near where it had been before the data was announced (a pip being 1/10,000 of a Dollar). It then proceeded to run nearly 100 pips higher in fairly steady fashion over the course of the next hour.

Here is another example, this time of T-Bond futures.

When those payroll figures were released at 8:30 the market dropped more than two full points. One point on the T-Bond futures contract is worth $1000, so each contract fell more than $2000 in about two minutes. Consider that the margin on a contract at the time was probably around $2500. That means a trader could have lost more than 80% on the trade in the blink of an eye.

It is also important to understand that in the futures pits such data events often result in fast market conditions. This means that the action is so hectic that there may literally be trading going on at several different prices in different parts of the pit. This is a risk of having open positions at the time of a major news release. The market may snap back fairly quickly, as in the chart above, but in the meantime the trader's positions may have been liquidated on a stop order at a substantial loss.

Fortunately, all major economic releases are well documented. They are done on a pre-announced calendar which is readily available on any number of web sites, and of course in the business news media. In the vast majority of cases, one can also find out ahead of time from any number of sources what the expectations are for the release.

Foreknowledge of pending data events may not prevent losses which may result from unexpected figures. It will, however, allow the trader to recognize and understand when risks are increased. Make sure, especially if you are a short-term trader, to know what data is coming out. It can make a difference in your performance.

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The Perils Of Buying And Financing A Used Car

(category: Financial, Word count: 487)
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Whenever a person buys or leases a car, he seeks ways to finance this move. Most auto financing involves a car loan, which entails a detailed check on his credit history and a tough interview about car finance. When he undergoes all these to buy a used car, it is only fair that he also performs his own investigations about the car he is going to buy. In fact, he should never consider buying a used car, which history has not been checked. If he does, he may just end up paying for a piece of junk.

A used car must be checked for its title, registration, odometer, and the problems that it had weathered before it reached your eyes. A "title check" will determine if the car is salvaged, flooded or rebuilt. For example, many cars were destroyed during the 9 -11 World Trade tragedy. Many cars, too, were damaged during the hurricanes and floods. These cars were salvaged by enterprising people. The cars will be rebuilt and sold again at car auctions. A title check will also discover if the used car has lemon history.

A "registration check" will determine if the used car has been used as a fleet car, or as a taxi, or even as a police car. If the used car has been utilized in any of these, then it is safe to say that within a given period of time, this particular used car has covered more miles than the average privately used car. A registration check will also reveal if the used car was ever rented or leased.

The car's odometer is an instrument used to measure the distance traveled by a vehicle. An "odometer check" will show if the odometer has been broken or fraud. It will also show if it has been rolled back or rolled over. If the odometer has been tampered, this does not bode well for the next owner of the used car. The car may be older than what the dealer is telling you. Or it may have mileage problems.

A "problem check" will determine if the used car has sustained fire damage or an explosion. It will also show if it has been involved in a major accident. The fire or accident may have inflicted a still undetected damage on the used car. It is also quite creepy to use a car that has cradled dead bodies before. A problem check will reveal if the car has been stolen. A car that has been stolen may no longer have all its original parts.

A used car may give you more problems than you can manage. But not all used cars are damaged, leased or stolen. This is why there are still many people who take out car loans to buy a used car. To be safe, the potential buyer must order a vehicle history report.

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Financial Mistakes To Learn From

(category: Financial, Word count: 721)
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In this day and age, there really shouldn't be any reason to make certain financial mistakes. Do a search of the internet and you will find that there are thousands of articles out there that warn you of the pitfalls of certain choices. Advice for living a financially stable life is everywhere. What are you waiting for?

Here are the most common mistakes that I've seen people make. I've even made a few of them myself. These are the financial mistakes that you can learn from. You've probably made a few of them yourself, they are very common.

Mistake #1: Using that little plastic card to get what you want.

We'll just start off with the number one mistake out there. This is probably the most common mistake in the country. Almost every person in the US today has a credit card. It is almost like a right of passage when you turn eighteen. There are even people out there that aren't eighteen yet that have them.

Credit card debt is the fastest way to ruin your finances. It is easy to acquire and difficult to pay off. The minimum balance doesn't pay off enough of your outstanding balance to help you very much. You will be paying on your balances for decades. Even a $500 balance can take you over a decade to pay off if you simply make the minimum payment.

Add in the interest rate, which rarely goes down. If you miss a payment, you will really be paying the bank. Thirty percent interest is common on a credit card once a payment has been missed. And you only have to miss that payment by a day - which can happen in the mail or processing if you don't plan ahead well enough.

Mistake #2: Buying more home than you can afford.

With the real estate market in the state it is today, many people are regretting their housing decisions. Adjustable rate mortgages are acceptable loan products for some people. But only if they can afford the maximum rate that the loan can hit if interest rates go up. Too many people only consider that introductory rate. They stretch and purchase as much as they can afford. Then, when rates go up and their rate adjusts, they can't afford the payment. Add that to a slowing housing market, and you may have a foreclosure on your hands.

If you are going to buy a home, make sure that you purchase what you can afford. Take out a fixed-rate mortgage so that you know what your payments will be. If rates go drastically down in the next couple of years, you can always refinance. If rates go up, you are protected. Try to aim for a 15-year mortgage over a 30-year. It will save you hundreds of thousands in interest. But if you can't do it, a 30-year fixed-rate mortgage is an acceptable loan choice for the purchase of a home.

Mistake #3: Not controlling your money.

Too many people live paycheck to paycheck. They have no savings. They have no retirement plan. They have nothing to back them up in the case of an emergency. They have no control over their money.

You have to take control of your finances if you want to retire someday. You have to learn how to budget, save, invest and spend. All it takes is a little time. And once you get in the habit, you will notice that your life has more control. You should say where your money goes, not lenders or creditors or anyone else.

Mistake #4: Not saving for retirement.

There are more seniors in the work place now than there were twenty years ago. And even more than there were fifty years ago. If you want to retire with enough money to live comfortably, you have to start putting something back today. Start an IRA. Contribute to your employer's 401(k) plan. Figure out how much you need to invest and find a way to do it. This is your future. You don't want to reach sixty and realize that you can't afford to stop working. There is no guarantee that you will be able to draw social security or other forms of assistance then. What if you become ill and have to retire? What if you get hurt? Prepare for the future. Start saving for retirement today.

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Creative Financing Options

(category: Financial, Word count: 558)
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With today's rising prices it's all most people can do to stay afloat financially. So how does a young couple save enough money to break into the housing market? Sometimes you have to think outside of the box and come up with creative financing options. One such example is Lease-to-Own, or Rent-to-Own house purchases.

Basically, in this scenario, the landlord and the tenant come up with an agreement to purchase the house within a designated period of time (usually 3 years or less), for a specific price. An option fee of 1 to 5% of the price is credited to the purchase price and a premium is added to the rent payment to accumulate a deposit. If the buyer backs out of the purchase agreement they lose both the option fee and the rent premium.

Typical Rent-to-Own Contract Features

The rent and home price are usually established and documented based on market value plus any negotiation between the buyer and seller.

A rent-to-own contract will have an option period where the borrower can build equity while living in the home. Once the option period expires, the borrower is counting on successfully qualifying for a mortgage to purchase the home. It is imperative that the borrower has a good idea of their ability to assume a mortgage; speak to a lender before entering on a rent-to-own agreement to have your financial situation examined. You may only have to improve your credit rating, and this can be accomplished by making timely minimum payments any loans or credit cards each month.

Often a lender will want to see that an amount above the market rent price has been set aside. This ensures that the seller is not providing the borrower with a kickback by artificially inflating the selling price. Usually the bank will also request an appraisal for this reason.

If at the end of the option period, the buyer discovers problems with the home, it may be cheaper to walk away from the deal than purchase a house which may develop into a money pit.

The selling price of the home is agreed upon at the beginning of the option period. This means that after a 3 year option period if houses prices drop the borrower may request a down payment based on the new value. For instance, a 5% down payment on a $225,000 home would be $11,250. If the home drops 3% in value, or to $218,250, the 5% down payment from this would be $10,912 - bringing the maximum loan amount to 207,338. You need $225,000, now you have to make up the difference.

However, the price may indeed go up 3% in price and the seller is out the amount of the increase. It is for this reason that some contracts are drawn up with no final price quoted, just specifying the house will be sold at fair market value at the end of the option period.

There are shady sellers out there who will create a contract with an easy escape clause, such as the right to evict a tenant with only 3 days notice. It is in the buyer's best interests to have their contract reviewed by a lawyer before entering into a binding agreement. Also, pay your rent on time and do not give the seller any opportunity to renege on the agreement.

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How to Have Financial Peace

(category: Financial, Word count: 1262)
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Copyright 2006 Emma Snow

One of the biggest contributors toward personal peace is financial peace. Sometimes it is assumed that financial peace is only for those with endless amounts of money. In actuality, you can be financially secure at almost any income level. Avoiding common financial mistakes is the first step. This article discusses some mistakes that many of us make and how to avoid them.

I'm Too Young to Settle Down

Not investing in a home or buying one too late in life is a mistake that more and more people are making. The reason it is a financial mistake is illustrated in the following example. Let's say Brittany makes $60,000 a year, is single and rents a home for $2000 dollars a month. When tax time comes, she has little or nothing in the way of deductions. In 2005 she would have had to pay $11,665 in federal taxes alone. If she had put that same rent payment toward a mortgage payment instead and purchased a $315,000 home with a 30 year fixed rate of 6.5%, her mortgage interest deduction would have been $20,236, saving her $5,059 in taxes in 2005.

Tax savings isn't the only reason to buy a home. Another reason is the investment it represents. Let's say Brittany did buy a $315,000 home in January of 2005 and its value increased 5% in one year. The 5% increase in value would give her $15,750 in equity by 2006 and she would have paid $3,657 toward principle as well. Let's add it up. Rent money saved, $24,000 + taxes saved, $5,059 + equity earned, $15,750 + principle purchased, $3,657 - interest paid, $20,236 = $28,230, or $2,352 per month saved by purchasing a home. Even if she put $1,000 into that home each month in the way of maintenance, she still would have saved over $1,300 per month in 2005 by buying a home.

But It Was On Sale!

Accumulating debt instead of savings is the next financial error to avoid. Unless debt can almost guarantee you a future return, such as investing in a business, education or your home, it is best to avoid altogether. Even purchasing automobiles with cash is better financially in the long run. As an example, let's look at a household that has a credit card balance of $10,000. Assuming a 15% interest rate, if they pay $150.00 per month on the card and don't put anything else on it, their total interest and principle paid to that card is $21,635 before it gets paid off. It will take them over 12 years to pay it off at this rate. They are paying $80 in interest a month for the "privilege" of having credit card debt.

There is even more to the debt picture, however. Debt is not just one sided, there are opportunity costs associated with debt. If they weren't putting $150 a month toward their credit card, they could instead be putting it into a savings account. Putting $150 a month into a savings account with a 4% rate of return compounded monthly for 12 years would grow to almost $28,000, which is $21,600 in principle and $6,400 in interest earned. So now the real cost of a credit card is the interest paid, $11,635 + the foregone interest from the savings account, $6,400 = $18,035 in 12 years or $125 per month of lost money.

Do You Accept VISA for my Mortgage Payment?

Not having any liquid savings is another area that can end up hurting you financially. The minimum amount to be saved is 3-6 months of living expenses. This will help to cover loss of income or medical emergencies that may arise. This money should only be tapped for major emergencies and not for things like vacations or weddings, which should be saved for in other accounts once the liquid savings has been established. When no short-term savings is available, the risk of bankruptcy increases. With the new bankruptcy laws it is becoming increasingly difficult to erase debt.

Liquid savings is especially important when you have a large income that is not standard across the industry, or when there is not a high demand for the type of work you do. In these situations, finding a new job with the same income may be difficult. This can leave you vulnerable to rushed decisions that can damage you financially for years to come. As an example, I have a friend who had made good money at a software company for 20 years. His income was quite high because he had been with the company for a long time. The company was eventually purchased and he was laid off. He and his family had just finished building and furnishing their dream home when it happened. While they didn't have massive amounts of debt, they didn't have any liquid savings either. In order to get out from under their house payment, they sold their home for much less than it was worth, they also emptied their 401(k) and both had to take low paying jobs just to make ends meet. Now, eight years later, they are just starting to crawl o

Natural Disaster...Here?

Little or no insurance is a mistake that many people make hoping they won't be hit by a natural disaster. Insurance is your best defense against financial ruin in such a situation. Sitting down and talking with an insurance agent is the first step. Make sure that the policy covers those things you are worried about. Set aside the money needed for the deductible on the policy if a disaster does occur. Other things to prepare for in a disaster is the possibility of being out of work for several weeks or months, high medical bills or being left without an automobile if it is also destroyed in the disaster. Liquid savings is the answer to these problems. Remember, just because the home or vehicle no longer exist doesn't mean that their payments have gone away.

I Have Plenty of Time to Save

Not saving for retirement is a mistake that is made all too often. If you do save, there is a good possibility it is not enough to retire on. The findings of the 2006 Retirement Confidence Survey put out by the Employee Benefit Research Institute suggested that many American workers are not prepared for retirement and will have to work far longer than they expect. As an example let's look at Jane who is 55 years old and currently makes $60,000. She hopes to retire at age 65 and has already put away $250,000. By the time she retires, her home will be paid for and she assumes she can live off 70% of her current income or $42,000. If she lives to 90, she will need to have income for 25 years. Let's assume her $250,000 grows at a rate of 7% until retirement and 6% once she starts taking the money out. We need to also account for inflation which averages about 3% per year. In order to have $42,000 per year for 25 years she will need $1,151,243 in her retirement account by age 65. That means she will have to start

This is a start on the road to financial peace, steering clear of financial mistakes. Learning more about the different ways investment mistakes can hurt you in the long run is the first step in avoiding future problems. Next is to not make or stop making those mistakes. It may take some time to change your habits and actions, but it will pay well in the long run if you do.

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Merit-Based Financial Aid - a real merit to students

(category: Financial, Word count: 473)
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Merit-based financial aid is one of the main financial aid packages awarded based on their merit or merit plus of students. Merit-based financial aids usually come from state or federal sources or private sources. These types of financial aid packages are intended to assists students to help their college expenses. Merit-based financial aid need not have to be repaid. The rules and regulations of financial aid packages are based on the federal financial aid rules.

Merit-based financial aids can be obtained based on your performance or talents in a variety of areas such as academic achievement, extracurricular involvement, athletic, leadership, volunteer work, or artistic talent (art, music, or theater). You can also obtain merit-based financial aid if you have any other personal qualities which distinguish you in the applicant pool.

Merit-based financial aid will not consider you or your family's financial situation. Though most scholarships are a combination of financial need and merit, but still there are several scholarships which are purely based on merit. Recipients of these scholarships are selected without regard to income information. The amount of scholarship varies according to the state you reside and also in which scheme you are awarded by a scholarship.

Now let us check how to search for a merit-based financial aid. First of all you have to contact your State Department of Higher Education. Almost every state will have a scholarship program for its residents. But remember that these scholarship programs will mostly be limited to its students who join the college. That is, for example the scholarship program offered by the State of Alabama will be provided for qualified students of Alabama who decide to attend in Alabama state colleges and universities. Also, the student applying for a merit-based financial aid package need to be enrolled, or accepted for enrollment, or must be attending at least half-time in an approved postsecondary educational institution.

Also don't forget to research institutional scholarships. Check the various types of scholarship programs offered by the colleges. You can check the college websites, catalogs, and financial aid offices to know the details of institutional scholarships offered by them. Institutional awards are usually offered within a particular college or on a university-wide basis. Hence check what types of institutional scholarships are offered by your college or the college you are going to join. After checking a list of scholarships that interest you, apply for the one with relevant documents which support your achievements.

To receive merit-based financial aids you need to fill up the Free Application for Federal Student Aid (FAFSA), no matter how many colleges you are considering. The FAFSA features a section for students to record the colleges to which you need your information to be sent. Remember to check with each college to verify if there are any additional forms required.

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Making Financial Choices

(category: Financial, Word count: 515)
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It can be hard to make choices in regards to your finances. But you have to get used to it. It is part of managing your money wisely and being an adult. Choices have to be made.

So what can you do?

First, don't spend time worrying about the decision. Worry does nothing. No one has ever had a bill paid by worry. No one has gotten out of debt by worrying or made a million dollars by worrying. Worrying gets you nowhere.

Actually, too much worry can get you into trouble. People make rash decisions when they are desperate. And worrying can make you desperate for the first solution that comes along.

Instead, you need to set a certain amount of time aside during the day to think about your decision. When that time is up, you walk away and leave your thoughts there. I know this is hard to do, but if you are truly working towards making a decision during your time, you should be able to leave it there for a while.

The choices you have to make shouldn't consume your entire life. That is no way to live.

Start by writing things down. This can be an effective tool for organizing your thoughts, comparing choices and getting a sense of the true situation. For some reason, when you see things on paper, they often look much differently. You are often able to leave things alone for a while and clear your mind if your thoughts are safely on paper.

For example, if you are deciding whether or not to sell your home, you could make a few lists. Start with your selling of the home page. List what you gave for the home, including closing costs and an major improvements. Then write down how much you owe. How much do you expect to get for your home? Write down a few realistic numbers. Now you can see what your profits might be.

Then look at your options for after you sell your home. Are you looking at moving up? Calculate what your mortgage payment would be if you moved into a larger home. Then look at moving down. I know that idea may not make sense to you, but consider what having even less of a mortgage might mean to your finances. If you are in a financial pickle right now, a smaller mortgage might be helpful.

Put things down on paper. When you are in debt, this is one of the best ways to start looking at how you will deal with your debt.

Most importantly, decisions must be made. We make small ones every day. Large ones seem so much more important and take more time. But you can't second guess your every decision. Once you make your choice, it is made. And you will deal with the consequences. Take your time, review the facts and use your calculator. Don't just rush into things based on emotion. Remember, plans don't always work out and you have to reassess the situation. But if you plan wisely and take your time, things will work out in the long run.

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Plan Your Retirement In As Easy As 1 - 2 - 3 Using Financial Planning Software

(category: Financial, Word count: 462)
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Rather than spend your hard earned money hiring a financial planner or consulting with one, there are actually countless software programs that would help you in managing your finances. These programs are efficient tools for planning and making all those important retirement calculations.

One software program is MFC, My Financial Coordinator. It literally serves this purpose. It merges all your income streams into a coherent report therefore making managing your assets so much easier to understand and manage.

This software also helps to determine which of your assets you should sell or hold based on performance. It also details all the financial activities you did for the year and helps you estimate your quarterly tax calculations. Doing so prevents you from incurring those annoying penalties from the IRS.

Other benefits the software program includes are the following:

Monitoring of stop/loss

This software helps in your decision-making on a specific asset prior to it losing its significant value because the stop/loss monitoring function works off the highest value recorded.

Quarterly Federal, State and Local Tax Estimates

The MFC software provides an easy one stop source for determining liability information and accurately reporting it thus ensuring on-time payment.

Confidentiality assured

MFC keeps you in the know as well as preventing others from knowing all your investment information. Details on your assets as well as your financial transactions are secure with you and never leave your sight. Any data transferred over the internet are mere stock symbols and never reveal any number of shares that you may have or any of your personal information.

Everything is served to you

Since assets come from various resources, the MFC software groups them all together on the system. All bonds, stocks, mutual funds, certificates of deposit, checking accounts, money market accounts, salary, income from social security, pension, annuities, proceeds from gambling, royalties, income from business and others.

Reporting of monthly income

This feature in the software enables you to see the level of your income on a monthly as well as an annual basis. This to assist you in managing all your financial as well as expense needs.

Calculations on your performing assets

Updates on your performing assets is provided to you by the MFC software program. This would help you in determining which are your non performing assets or under performers. Doing so would be of great assistance to you especially when the time comes to select which will go first when fund liquidation is called for.

You have the power and control

Absolute power in terms of your finances provides absolute control as well as flexibility as this software program enables you to indicate the Federal, State as well as any local adjustments or deductions in the computation of your gross income and liability in taxes.

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