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Archive for the 'Personal Finance' Category

How Banking Can Lead to Lost Funds

Tuesday, November 12th, 2013

Every day, millions of banks around the country are inundated with customers who are there to make deposits, withdrawals, some are there to get loans and others are there to cash checks. In a perfect world, all of that banking activity would be right on the money, leaving no dollars or cents behind. Unfortunately, we don’t live in a perfect world and that means that banking lost funds are a stark reality. Every day banking leads to lost funds and hopefully more people learn about the phenomenon so that we can finally do something to stop it.

 

The Stock Market And Savings Bonds

Tuesday, May 21st, 2013


The US Treasury is attempting to locate the owners of lost stock market and savings bonds and so far officials have had very little luck. The problem is that all of these stock market certificates and savings bonds are owed to residents all over the country, and most of the addresses on file are incorrect. Americans love to move around, but that makes allocating lost or missing money rather difficult. To help alleviate the problem, officials are urging residents to search online to see if they are the rightful owners of any of these stock market or savings bonds being stored in limbo.

Understanding Your Safe Deposit Box

Monday, May 6th, 2013

A safe deposit box is a secure container that is typically located in a bank inside the vault where all the money is kept. Typically used for jewelry, collectibles, valuable documents, photographs and other things that can’t be replaced, you can be sure that your items are safe and secure, especially when you consider that everyone else’s money and valuables are in that same vault. In many cases, the items kept in these boxes are a little too secure. Let’s look at how the items in these boxes sometimes sit for years and why you may find an old safe deposit box just by conducting a simple online search.

Spread The Word About Lost War Bonds

Tuesday, April 30th, 2013

Lost war bonds are piling up and the hunt is on for the rightful owners. State treasurers across the country are holding onto these lost war bonds. These of course were meant to provide financial security to those individuals who purchased them during times of war, or at least they promised to provide financial security. The idea is that the war bonds would appreciate over time. The thing is, people stick them in a safe deposit box and then forget about them. Years later they’re uncovered and they become lost war bonds that become a near permanent fixture in a state treasurer’s vault. To claim lost war bonds that may belong to you, you don’t need to contact any state department and you don’t even need to pick up the phone. A simple online search will uncover any war bonds you have coming to you.

Unclaimed Savings Bonds Are Piling Up

Friday, April 19th, 2013


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< ![endif]-->The US government is currently stockpiling savings bonds, but these savings bonds aren’t for sale. They belong to residents all over the country, only they’ve become lost for one reason or another. This has prompted the treasury department to begin an initiative to urge all Americans to search for and find unclaimed savings bonds. If you think you may have lost a few bonds back in the day or even if you just suspect that you do, you might want to start searching today.

How Does Your 401K Become Lost?

Tuesday, March 12th, 2013

A 401K account is supposed to provide for you during your golden years after retirement. The idea is that you will stay with the same company for the duration of your life. Or that you will continue to at least transfer your 401K as you transfer jobs so that your account never leaves your side and you can keep adding to it over the years. If you do so you will contribute into that same account year after year and it will continue to build until such time as you decide you would finally like to retire. What happens when you change jobs and you either just don’t or actually forget to transfer your 401K account? Well, let’s just say it doesn’t just go away.

Don’t Lose Track Of Your 401K

Tuesday, February 5th, 2013

Your 401K account is designed to keep you solvent in your retirement years for those days when you can no longer work so hard. By adding to your 401K when you’re young, virile and working, you can be sure that you’ll have a hefty sum left over when the time comes to cash those chips in. In some cases, your employer will even add to your 401K account, providing you with an even bigger nest egg for when you reach retirement age. However, with job turnover rates so high, we are seeing an increase in lost funds originated from these very accounts. If you changed jobs and you fear you may have lost funds from your 401K account, it’s time to do something about it.

Credit Counseling -Is It For You?

Tuesday, July 10th, 2012

Are you considering credit counseling? This can be a wise choice if you are having problems with debt that you can’t handle on your own. There are many ways people can get into financial difficulties, and often by the time you realize you’re in over your head, it’s too late for a simple solution.

The advantage of credit counseling is that you can get the advice of an expert. Discussing your situation with someone else can be a relief, as it helps to put everything into perspective. You realize that you aren’t the first person to have this type of problem, and that solutions do exist.

If You Find Unclaimed Money You Might Become Rich

Tuesday, May 8th, 2012

Would you like to find unclaimed money that really belongs to you. You might have found this website through an online advertisement about unclaimed money. If you really what to know how to find unclaimed money, an unclaimed money website is about the only source you have to locate money that really belongs to you. How would you ever know if you have money owed you if those agencies and holders of unclaimed money are not legally obligated to inform you about money that you have owed to you? That is why looking to find unclaimed money can only start on a website that has access to government and social financial networks that keep an accounting of taxpayers or of anyone who have used a social security number to buy anything in The United States.

Personal Wealth Tips

Thursday, April 19th, 2012

There are plenty of ways that an individual can use to increase personal wealth. There are plenty of websites, magazines and even investment companies that operate to ensure that one can increase funds and therefore enjoy retirement comfortably. It is important to note that for one to increase personal wealth there has to be a desire to make money because one will only reap what they sow. If there is no desire, then it becomes difficult to become wealthy because only hard work can lead to wealth.
 


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