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4.99% credit card transfers

While you might assume any mutual fund investor should use Money’s mutual fund record-keeping tools, that isn’t the case.

Because investment 4.99% credit card transfers record keeping, including mutual fund record keeping, requires significant work and involves complexity, you need to make sure the effort is worth it.In general, you keep investment records for any of the following reasons:Reason 1: You want to track interest and dividend income.Reason 2: You want to track realized and unrealized capital gains and losses.Reason 3: You want to measure or grade the profitability of an investment by calculating its annual return or yield.Obviously, all three of the tasks in the preceding list sound worthwhile, but many investors won’t need to use Money’s record-keeping tools to get this sort of information.Tracking Investment IncomeIf your investing is done using tax-deferred accounts, such as individual retirement accounts, 401(k)s, and other similar investment containers, you don’t need to track the investment’s income. The income from tax-deferred investments stored is not currently taxable. The money you contribute to one of these tax-deferred accounts can be counted as a deduction when the money is transferred into the account. Any money you ultimately withdraw from one of these accounts can be counted as income when you move money out of the account and into your regular checking account.For example, if you contribute money to an individual retirement account by writing a check on your regular bank account, you can categorize the check as “IRA contribution” when you write the check. This categorization lets you easily track the IRA contribution deduction you will need to report on your tax return. Similarly, if you withdraw money from an IRA account, all you need to do is categorize the deposit as IRA income. This lets you keep track of the IRA withdrawals you will also need to report on your tax return.Tracking Capital GainsAs mentioned earlier, realized and unrealized capital gains are often the second reason for using Money for investment record keeping. In the case of a regular taxable investment account, any time you buy and then later sell an investment, you experience a capital gain or loss that needs to be reported on your tax return. Because capital gains and losses are important for your tax return, when you keep records of taxable investments you want to track these items. You even want to track potential, or unrealized, capital gains and losses.However, while tracking unrealized and realized capital gains and losses is important for taxable investment accounts, you don’t need to do this for tax-deferred investment accounts like individual retirement accounts and 401(k) accounts. The reason is simple. For tax-deferred investment accounts, gains and losses aren’t taxable. Just as is the case with investment income, inside a tax-deferred investment account, gains and losses have no effect on taxable income. Again, the only tax effect comes from money you move into and out of the account. In general, money you move into the account is a deduction for purposes of calculating your taxable income. Money you move out of your account is an income amount for purposes of calculating your income tax return.The general rule described in the preceding paragraph—that money moved into and out of a tax-deferred investment account is what produces a tax deduction or taxable income amount—is true. However, predictably, some tax-deferred investment accounts don’t work this way.There are, for example, nondeductible IRA accounts. A nondeductible IRA account doesn’t give the taxpayer a deduction merely for moving money into the account. Also, a Roth IRA account doesn’t credit card 4.99% transfers actually produce any taxable income just because you move money out of the account. The primary benefit of a Roth IRA is that you get to withdraw money from the IRA without including the withdrawal on your tax return.However, in spite of the fact that money moved into certain types of IRAs or out of certain types of IRAs doesn’t trigger a tax deduction or taxable income, the general rules described here still apply. Even for nondeductible IRAs or Roth IRAs, you don’t need to track investment income, dividend income, capital gains, and capital losses for tax record-keeping using Money.Measuring Investment PerformanceAs identified earlier, the third reason for investment record keeping concerns investment performance measurement. In general, one of the things you want to do when you become serious about your investing is calculate how good or how bad an investment performs. Complete and accurate investment records force you to honestly evaluate your investing. One of the ways you measure investment performance is by calculating the annual return, or yield, produced by the investment. For example, if you buy a stock for $12 a share and later sell it for $18 a share, you should calculate the annual return on the stock.An annual return, or yield, resembles an interest rate. By comparing the return a stock earns to the return provided by other investments, you gain a frame of reference and get a better idea of whether a particular investment 4.99% credit card transfers makes sense.While calculating returns obviously makes sense, note that one of the tasks your mutual funds management company does is calculate annual returns. Therefore, you don’t need to duplicate this effort. In effect, one of the services you are already paying the mutual funds management company for is the calculation of this important performance measure.Mutual fund management companies calculate returns on an annual basis—typically using the calendar year as the period for which returns are calculated. Your investment holding period may not match the period for which the return was calculated. For example, if you hold an investment for one year but your year runs from July 1 to June 30, a return measure provided by the mutual fund company may not be useful if the return is from January 1 to December 31. Nevertheless, if you use the prudent mutual fund investment strategy—which is simply to invest for longer periods, to buy and then hold—the mutual fund management company’s performance measurements do give you the information you need.2

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Refinancing your mortgage leads to freeing up cash or making money available for other purposes. A new mortgage leads to investment options that were not previously available to you. Refinancing to pull money out makes sense as long as you make a commitment to use the funds to generate income or make an investment that will result in an increase in your assets and personal net worth. In the US, in most instances, mortgage interest is tax deductible. In Canada, interest paid on your home mortgage debt is not generally deductible; however it can be depending on the purpose for which you took out the loan.

Refinancing your mortgage leads to opportunities regardless of whether you are forced to raise cash or if it will save you money. If you have a floating interest rate and you are worried that rates are going to go up beyond your ability to pay, you may want to lock in your rate. The variable rate of the floating interest rate may have you not sleeping at night worrying about your finances.

The certainty of a fixed rate mortgage leads to an increased sense of ease for many homeowners. Consider this option if you will be staying in the property for a number of years. Sometimes jumping from one variable rate loan to another makes sense too. Each financial institution packages their services differently. Be diligent in your research to find the best one for your financial needs and money management style.

Refinance home mortgage loans by reviewing your requirements. Do you want to increase the amount of your mortgage to consolidate debts with a new or second mortgage? Have you seen ads that say, "Refinance Home Mortgage Loans" and offer options that suit you better than the features of your current lender. It's always good to shop around to make sure you have what suits you, and your money management style, best.

It may seem like common sense to refinance home mortgage loans to reduce your interest rate and free up cash but most people don't keep up to date on the interest rate and don't understand the point at which it makes sense to refinance. The great thing is, you don't have to know how to figure this out. Your lender will quickly be able to let you know if this is a viable option. Rates may have dropped since you took out your mortgage. Your financial situation may have changed and you should take all of those things into consideration for effect money management.

Refinance home mortgage loans to free up cash and raise capital for other investments. Be cautious about listening to lenders who oversimplify their calculations when telling you how soon your refinancing costs will be recovered. You need to take into account other costs related to changing lenders. Costs you may incur when changing lenders are: Appraisals, Application Fees, Title Insurance and more.

Ask your financial advisor or accountant about refinance home mortgage loans to make sure the one you chose gives you the best options for your situation. A little money spent now, on money management advice, can save you a lot of money later.

Please feel free to reprint this article provided the following author’s credit and live URL link remains intact.

Collections software programs are a way that many business owners and individual debt collectors collect money from an overdue bill. In fact it is now rare to see a company collecting debt without using a collections software program. These software programs are designed to make the debt collection process easier on individual debt collectors and business owners. There are a wide selection of different collections software programs; however, the majority of the software programs will be similar. Below is a list and a summary of many of the popular features found on debt collections software programs.

Document imaging is a feature that is found on most collections software. This feature is convenient because it is an accurate and fast way to transfer and share data. The document imaging features allows important paper documents to be scanned and then placed in a specific computer file for easy retrieval and sharing.

Outbound calling and personal voice messaging are other popular features that are found on most collections software. Outbound calling allows a business owner or an individual to call a debtor by simply clicking on their name or computer file. Personal voice messaging allows businesses or debt collectors to prerecord a message for when the phone is first picked up. This message often instructs callers to wait on the line until a representative can speak with them.

Automated interactive inbound call systems is another feature that is found on most debt collections software programs. These systems set up an interactive account line that makes it possible for consumers to access their account information at anytime during the day. Business owners or debt collectors who also tie in credit card payments over the phone may end up getting paid by a debtor when not even working.

It is also common for a collections software to have a productivity tracking feature. This feature is great for business owners who give the job of debt collection to another individual. Most productivity tracking features develops a report that is used to determine how well an collector is doing at contacting clients and actually obtaining money from them.

Some collection software programs allow users to create statements or coupon books that are used to remind a debtor that a payment is due. These payment coupon books are similar to the ones that many financial institutions use when they give a customer a loan.

When an consumer fails to make a payment on an item or service that they previously agreed to pay for their credit can be damaged. Most business owners or individual debt collectors report their clients to a number of different credit bureaus. There are many collections software programs that automatically generate the forms that need to be electronically filed or mailed to the credit bureaus.

The above mentioned features are just a few of the features that may be listed on a collections software program. It is important to remember that just because the above mentioned collection software features are common does not necessarily mean that they will appear on your own software version. To make sure that the correct collections software program is being purchased business owners and individual debt collectors are encouraged to read all of the materials available pertaining to a particular software program. Prevent yourself from purchasing a software program that does not even apply to your business by fully reading all product descriptions.

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