http://www.examiner.com/x-6044-Financial-Literacy-Examiner?cid=exrss-Financial-Literacy-Examiner en-us Mon, 23 Nov 2009 12:23:01 -0700 Mon, 23 Nov 2009 11:44:02 -0700 BlogCFC http://blogs.law.harvard.edu/tech/rss http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m11d23-Whats-your-ID-score?cid=exrss-Financial-Literacy-Examiner In previous columns I’ve talked about the importance of knowing your credit score and I’ve also discussed identity theft issues. Now, I want to tell you about a free service that will inform you of your vulnerability to identity theft.... identity theft Mon, 23 Nov 2009 11:44:02 -0700 http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m11d23-Whats-your-ID-score?cid=exrss-Financial-Literacy-Examiner http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m11d17-Best-deal-for-those-over-50?cid=exrss-Financial-Literacy-Examiner If you or your spouse is over age 50, you should consider joining the 40 million members of AARP, a nonprofit, nonpartisan membership organization dedicated to helping those over 50 to improve the quality of their lives. Founded in 1958, AARP... money management Retirement Tue, 17 Nov 2009 10:48:30 -0700 http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m11d17-Best-deal-for-those-over-50?cid=exrss-Financial-Literacy-Examiner http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m11d11-Holiday-shopping-tips-to-save-your-money?cid=exrss-Financial-Literacy-Examiner As the holiday shopping season approaches you might want to take the time to plan your shopping strategy. In a previous article I advised that you avoid using your credit cards if possible because of recent increases in interest rates. Now more th... benefits shopping saving money Wed, 11 Nov 2009 15:29:08 -0700 http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m11d11-Holiday-shopping-tips-to-save-your-money?cid=exrss-Financial-Literacy-Examiner http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m11d8-What-is-your-money-personality?cid=exrss-Financial-Literacy-Examiner So much of how we handle our money is tied up with our past experiences and our emotional responses to them. It makes one think of the old rock-and-roll song, “Money Changes Everything.” It can be helpful to examine your money h... money management women Sun, 08 Nov 2009 18:30:00 -0700 http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m11d8-What-is-your-money-personality?cid=exrss-Financial-Literacy-Examiner http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m11d4-Credit-card-reform-spurs-rate-hikes?cid=exrss-Financial-Literacy-Examiner If you’re like 80 percent of Americans you have at least one credit card. About half of card users carry a balance. Even if you’ve been paying monthly on your credit card balance you may get a letter from your card company informing yo... Credit and debt Wed, 04 Nov 2009 13:26:11 -0700 http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m11d4-Credit-card-reform-spurs-rate-hikes?cid=exrss-Financial-Literacy-Examiner http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m11d1-Avoid-the-Medicare-donut-hole?cid=exrss-Financial-Literacy-Examiner If you have Medicare Part D coverage for your prescriptions you may have been surprised to find  that there is a gap in your coverage. This gap, also known as the “donut hole” occurs during a year in which you have paid for the de... benefits healthcare Medicare Sun, 01 Nov 2009 10:09:48 -0700 http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m11d1-Avoid-the-Medicare-donut-hole?cid=exrss-Financial-Literacy-Examiner http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m10d29-What-is-a-prenuptial-agreement?cid=exrss-Financial-Literacy-Examiner When you’re planning your marriage, finances are probably the last thing on your mind. But a prenuptial agreement, also called a prenup, can be the best investment of your time that you ever make. A prenup is a contract between you and ... money management divorce women marriage Thu, 29 Oct 2009 15:11:28 -0700 http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m10d29-What-is-a-prenuptial-agreement?cid=exrss-Financial-Literacy-Examiner http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m10d25-Why-is-financial-literacy-a-womans-issue?cid=exrss-Financial-Literacy-Examiner Finances are a critical life issue for everyone but especially for women who still earn less than men on average. Not only do they earn less, but they often spend fewer years in the workforce if they raise children so their career path is often le... money management women financial literacy Sun, 25 Oct 2009 18:17:38 -0700 http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m10d25-Why-is-financial-literacy-a-womans-issue?cid=exrss-Financial-Literacy-Examiner http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m10d17-Medicare-part-D-enrollment-period-approaches?cid=exrss-Financial-Literacy-Examiner If you receive Medicare benefits and either have Part D coverage for prescriptions or you want to enroll for Part D coverage you should note that the open enrollment period starts next month. The open enrollment period for Part D coverage runs from N... healthcare insurance Medicare Sat, 17 Oct 2009 10:37:56 -0700 http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m10d17-Medicare-part-D-enrollment-period-approaches?cid=exrss-Financial-Literacy-Examiner http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m10d14-What-is-a-microloan?cid=exrss-Financial-Literacy-Examiner The Small Business Administration provides loans to new and growing businesses by making funds available to nonprofit intermediaries which, in turn, make the loans to eligible borrowers. These intermediaries are community based lenders, each with its... small business loans and credit Credit and debt Wed, 14 Oct 2009 22:48:41 -0700 http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m10d14-What-is-a-microloan?cid=exrss-Financial-Literacy-Examiner http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m10d2-What-is-an-IRA?cid=exrss-Financial-Literacy-Examiner  An IRA is an individual retirement account that can benefit anyone who works or is self-employed. You can open your own IRA account at a bank or with an investment company such as T. Rowe Price or any of the hundreds of such companies. Some emp... Retirement estate planning investments Fri, 02 Oct 2009 10:43:36 -0700 http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m10d2-What-is-an-IRA?cid=exrss-Financial-Literacy-Examiner http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m9d29-Business-liability-insurance-101?cid=exrss-Financial-Literacy-Examiner When starting a business, liability insurance is probably the last thing on your mind. That could be a serious and perhaps costly mistake.The challenges of our current economy have inspired many to start their own small business. There are any number... small business insurance Tue, 29 Sep 2009 12:28:13 -0700 http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m9d29-Business-liability-insurance-101?cid=exrss-Financial-Literacy-Examiner http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m9d26-Should-you-try-multilevel-marketing?cid=exrss-Financial-Literacy-Examiner If you need to make more money, and who doesn’t, you may have considered joining one of the many multi-level marketing programs (MLM) that exist. Some of the most popular are: AvonTupperwareLongabergerMary Kay CosmeticsPampered ChefPartyLi... home business make money Sat, 26 Sep 2009 15:30:35 -0700 http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m9d26-Should-you-try-multilevel-marketing?cid=exrss-Financial-Literacy-Examiner http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m9d24-Why-is-the-French-health-care-system-number-one?cid=exrss-Financial-Literacy-Examiner  In the year 2000, the World Health Organization (WHO) published the results of a statistical ranking of health care systems in 191 countries. According to the analysis which looked at access to health care and the number of years of good health... health care reform Thu, 24 Sep 2009 13:31:16 -0700 http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m9d24-Why-is-the-French-health-care-system-number-one?cid=exrss-Financial-Literacy-Examiner http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m9d17-California-Nurses-Association-decries-death-panels?cid=exrss-Financial-Literacy-Examiner According to California Nurses Association (CAN) and the National Nurses Organizing Committee (NNOC), we won’t have to wait for government-run healthcare to be subjected to “death panels” because the death panels are already here an... health care reform Thu, 17 Sep 2009 11:37:01 -0700 http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m9d17-California-Nurses-Association-decries-death-panels?cid=exrss-Financial-Literacy-Examiner http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m9d13-What-are-treasury-inflation-protected-securities?cid=exrss-Financial-Literacy-Examiner  In an earlier article you were introduced to treasury securities that are issued by the U.S. government. These investments are less risky than other investment choices such as mutual funds but they also pay a lower return. When you invest ... investments Sun, 13 Sep 2009 16:54:21 -0700 http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m9d13-What-are-treasury-inflation-protected-securities?cid=exrss-Financial-Literacy-Examiner http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m9d9-What-is-the-consumer-price-index?cid=exrss-Financial-Literacy-Examiner  Have you ever wondered how changes are determined regarding cost of living increases in Social Security payments and minimum wage, food stamp eligibility, and income tax rates? Financial decisions that affect every American are made based on a ... financial Credit and debt Wed, 09 Sep 2009 12:20:07 -0700 http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m9d9-What-is-the-consumer-price-index?cid=exrss-Financial-Literacy-Examiner http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m9d7-Save-money-by-paying-down-your-debt?cid=exrss-Financial-Literacy-Examiner  You might not think that paying your debts could save you money but it’s a strategy recommended by most financial experts. A major reason that it saves you money is because of inflation. When rising prices erode the buying power of... money management Credit and debt Mon, 07 Sep 2009 18:53:30 -0700 http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m9d7-Save-money-by-paying-down-your-debt?cid=exrss-Financial-Literacy-Examiner http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m8d30-Security-freeze-or-fraud-alert?cid=exrss-Financial-Literacy-Examiner A security freeze is method of protecting your credit report from being released without your consent. It will for example, prevent another person from opening a credit account or obtaining a loan in your name without your knowledge or permission.Thi... Credit and debt identity theft Sun, 30 Aug 2009 11:21:45 -0700 http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m8d30-Security-freeze-or-fraud-alert?cid=exrss-Financial-Literacy-Examiner http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m8d27-The-truth-about-health-care-reform?cid=exrss-Financial-Literacy-Examiner Demonstrators in Dallas on Monday outside a building where a forum on health care was held. Jessica Rinaldi/ReutersThe myths are flying fast and furious about health care reform legislation even though it still hasn’t been finalized. Here are a... health care reform Thu, 27 Aug 2009 10:58:39 -0700 http://www.examiner.com/x-6044-Financial-Literacy-Examiner~y2009m8d27-The-truth-about-health-care-reform?cid=exrss-Financial-Literacy-Examiner