What Is Insider Trading and How to Avoid It – Definition, Laws & Cases

insider trading informationWhen you hear the term “insider trading,” you probably immediately think of someone like Martha Stewart.

But you don’t have to be famous or wealthy to be guilty of it. In fact, it’s possible to engage in insider trading without even knowing it.

In this article, we’ll look at the ins and outs of insider trading and how to make sure that the investing you’re doing is above board – and won’t come with a stint in jail.

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6 Small Business Time Management Tips to Increase Productivity

time is moneyIf you’re in the process of starting your own business, you may feel like there isn’t enough time in the day to get everything done. To compound matters, for a small-business owner, every minute that ticks on the clock represent dollars – either earned or wasted.

Does that sound extreme? Consider this: In a study conducted by Microsoft, researchers found that workers used only about 60% of their available work time. That means that out of a five-day work week, they were productive only three of those days. Now, apply that to your own business. If time is money, then how would you feel about earning money only 60% of the time that you spend at work?

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PenFed Promise Credit Card Review – Low APR & No Fees

You can’t turn on your television or open your mailbox these days without seeing yet another credit card offer from a major bank. Some offers sound better than others, and they all have potential benefits and drawbacks. The sheer number can be mind-boggling, and if you’re in the market for a new card, the information can be overwhelming.

In light of this, I’d like to let you in on a little secret. One of the best offers out there is not from a bank at all; it’s the PenFed Promise Card from the Pentagon Federal Credit Union. If, like many people, you’re struggling to get a handle on your debt, this could be just the card for you.

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How to Choose a Certified Tax Preparer – 3 Common Tax Scams to Avoid

taxes scam accountantIf you hate doing your own taxes, you’re certainly not alone. According to the IRS, as reported by the Washington Post, more than 60% of Americans hire tax professionals to fill out those nerve-wracking, headache-inducing, seemingly unending forms.

However, while having someone else do your taxes can take a load off your shoulders, if you don’t choose the right person, you might end up facing even bigger problems. Just as in any industry, there are unscrupulous tax preparers out there looking to make a quick buck – and they can get you into all sorts of hot water by finding less-than-legal ways to boost your refund or take advantage of you.

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10 Ideas to Save Money on Wedding Ceremony & Reception Party Music

wedding march violinIt’s amazing how certain tunes are so ingrained into our culture. The Happy Birthday song, Rudolph the Red Nose Reindeer, and of course, the wedding march, can all be recognized within a few notes.

“Here comes the bride, all dressed in white…” Boys and girls alike learn that song at a very young age. Amazingly, even the most tone-deaf rendition is recognizable. There’s no hiding the wedding march!

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“How to Shop for Free” Book Review by Kathy Spencer

how to shop for freeEverybody likes getting something for nothing. There’s a little thrill that comes from taking an item up to the cash register, then walking out the door with it, not having paid a cent.

In fact, just yesterday I went to a fast food restaurant with my kids, handed over three coupons, and left with three free pink lemonades. We all agreed that “free” tasted pretty good!

For most of us, getting free stuff is an event that happens pretty infrequently. For Kathy Spencer, on the other hand, freebies have become a way of life.

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How to Buy and Enjoy Beef Recipes on a Budget

beef slicesDo you have a house full of hearty meat eaters? For some families, only beef will do.

At our house, we’ve been reducing our beef intake recently for health and budget reasons. But when we want to splurge on our diet and our wallet, or are having hardcore carnivores over for dinner, I like to have a multitude of ideas ready so that these situations don’t disrupt our budget too significantly.

Here are several secret weapon strategies to enjoy red meat, while staying within your budget.

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23 Cheap Wedding Reception Food & Drink Menu Ideas on a Budget

When my husband and I were planning our wedding, we wanted to keep it simple, elegant, and most importantly under budget.

So we were a little shocked when our caterer quoted us her lowest price of $35 per person for dinner – not including alcohol. With 160 guests, we were already at $5,600, and with an open bar were looking at a total bill of more than $10,000 just for food and drinks! Our total budget was around $10,000, so we needed to find a few ways to scrimp and save when it came to the dinner and alcohol.

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First-Time & Repeat Home Buyer Tax Credit – Rules and Limits

home buyer tax creditIf you were one of the millions of people who became a homeowner between 2008 and 2010, whether it was your first time or your fifth, your purchase will have quite a noticeable effect on your taxes. That’s not only due to the lovely bump you’ll get from deducting your mortgage interest and property taxes, but you may also receive a nice fat tax credit on top of that!

For many, participating in these programs will have effects for years to come. There are special rules to determine who’s eligible, as well as tax credits available for non-first time home buyers, and a special extension for members of the military and federal employees who were stationed outside of the country, which we’ll discuss below.

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