Dividend Stock Investing Strategy – How to Choose the Best Dividend Stocks

stock market coins dividendsMany investors find themselves experiencing extreme emotional shifts in concert with the unpredictable rises and falls that come with stock market investing. Anxiety may hit like a ton of bricks when prices fall, while excitement sets hearts racing with exhilaration when they rise.

Those who choose to invest in long-term dividends, however, will not feel this same angst as stock prices shift. These investors know that the financial success of their investment is not based on the vagaries of the market itself, but rather on the long-term success of the company. They believe that the stock price and dividend will eventually rise over the long haul, resulting in huge gains over a long period of time.

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IRS Tax Audit Help – Types, Procedure and Audit Red Flags to Avoid

tax audit afraid manThe IRS is often portrayed as a scary group of calculator-wielding mercenaries who are just out to get more money out of you, but in truth you only have something to fear if you’ve intentionally falsified your taxes or are guilty of tax evasion fraud.

Nevertheless, you may still be audited during your lifetime, either as part of a randomly selected group, or because you have certain red flags in your return. The IRS generally has up to three years after you file or the due date (whichever is later) to audit your return, but it can audit up to six years in some cases. If you file a fraudulent return or don’t file at all, there is no statute of limitations on when the IRS can audit you.

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Zions Bank Review – High Interest Savings, Checking & Money Market Accounts

zions bank logoRecently, I’ve been looking to switch banks and find a new partner to support my banking needs. For now, I’m searching for a personal account, but eventually, I’ll need business banking solutions as well. Therefore, I need to weigh both the business and personal products offered by the banks I’m considering.

Though I have not yet made my final decision, one the of firms at the top of my list is Zions Bank. They have been in business for over 135 years, so you know that they possess tradition and history – two big pluses in today’s unstable banking world. They have FDIC insurance coverage (another security blanket) and offer some of the best interest rates around.

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Eviction Process for Tenants – What to Do If You Get an Eviction Notice Letter

eviction noticeNo one enters into a lease agreement planning to break the lease, but unfortunately things happen. Maybe you lost your job and you can’t make the rent, maybe you have a problem with your neighbor, or maybe you’re stuck under the thumb of a bad landlord.

Knowing your rights ahead of time will help you get through the process intact – especially if you feel that you’re being unfairly evicted.

Here are six steps you can take to protect yourself as a tenant during the eviction process.

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What to Do If Your Homeowners Insurance Claim Is Denied

damaged house treeImagine that you spent several hundred dollars or more on homeowners insurance coverage, just so that you could have a little peace of mind if something went wrong. Now imagine that your insurance company denied your claim after your home was damaged or ruined beyond repair.

Denied claims make your life much more complicated, especially when you don’t have the cash to pay for the repairs on your own. But don’t start thinking of ways you can live with those burst pipes or that tree through your roof just yet. Take a deep breath and read on. There may still be hope.

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6 Tips to Save Money Buying Meat – Beef, Pork, Turkey & Deli Cold Cuts

raw meatsWhen you’re trimming your budget, you start looking at your grocery store receipts with a lot more scrutiny. And if your family is big on meat and poultry for lunch and dinner, expensive choices add up quickly.

Don’t assume that your food budget is at the mercy of your butcher’s business decisions. With these six quick tips for the deli counter and your kitchen, you’ll be able to spend less, get more, and make it last longer.

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How to Naturally Wash Your Car and Clean the Interior & Upholstery

car wash waterNow that winter is (hopefully) almost over, chances are that your car is looking a bit worse for wear. If yours is anything like mine, there are salt stains on the hood and doors, the windows are grimy, the inside is crusty with salt and sand from winter boots, and there might be quite a bit of trash and clutter scattered around.

I haven’t cleaned my car all winter because it’s simply been too cold here in the Midwest. But now? The sun is out, and the air is just warm enough to haul out the vacuum without risking hypothermia.

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Top 5 Kids Educational Websites for Learning About Money Management

kid piggy bankWith all the talk of our nation’s financial future, it only makes sense for parents to start teaching their kids about money management as early as possible. Unfortunately, times have changed from the days when all that took was a small weekly allowance and a piggy bank.

Your child will need to understand electronic banking, compound interest, and the importance of being debt-free if they’re going to make it financially in tomorrow’s world. So, how do you go about explaining these things in a way they’ll understand? Thanks to the Internet, the perfect teaching tools for your kids are only a mouse click away.

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VantageScore vs FICO Credit Score – Differences and How They Affect You

credit report climbThe term “VantageScore” has been floating around the financial sphere for some time now, but many consumers are still clueless about what it does and what it means for their credit. And with a new system for reviewing consumer credit worthiness, the VantageScore could very well completely change the way creditors look at your credit.

For years, creditors focused on the FICO score, a three-digit grade of your credit report, when deciding whether to give you that new credit card, extend a loan, or lower your rates. But a few years ago, the three credit bureaus – Equifax, TransUnion, and Experian – collaborated on a new type of credit scoring system, known as the VantageScore.

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6 Easy Chicken Dinner Recipe Ideas on a Budget

chicken dinner drumsticks plateFew things say comfort food, and satisfy the whole family, like chicken.

The trouble is, poultry prices fluctuate so much that you’ll quickly be uncomfortable with the effect chicken has on your budget.

With these six tips for the budget-conscious home cook, you and your family can get better value out of chicken meals.

How to Save Money on Chicken

1. Rethink Boneless
Sure, boneless chicken is easier to work with, but you pay a serious premium for that convenience. You’ll always save money with bone-in poultry, even if you lose a little time.

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