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Wednesday, October 31, 2007
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Defining Financial Services

In a very broad and general way financial services are defined as any service, business, organization or agency that manages money or helps businesses, corporations, non-profits or private individuals manage or invest their money. This can include such diverse types of financial services banks, insurance companies, credit companies, mortgage companies, investment brokers and organizations on a local, state, national or international level.

Basically anyone can access financial services to gain an understanding of how to best use their money through using one of the many financial services available in most communities. Many people consider a bank as their first source of information regarding financial services, however other institutions such as investment companies, brokerage firms and even specialized investment companies that work solely as consultant type firms may also be an ideal option depending on your financial position, your credit score and history, and how large of an investment that you wish to make. All types of financial services may also be including in this heading including credit monitoring services, credit reporting as well as credit consolidation and management of debt agencies and corporations.

Asset management is a key component of most financial services. Asset management involves maximizing the potential earnings of assets through trading on the stock market, money market or global market. This process, depending on the level and type of investment may be fairly secure or may be extremely risky, so the brokers in the financial services are able to make recommendations and provide a prospectus on the projected earnings and risks of the investment. Using any type of financial or investment service does have risks, but with careful selection of trades or investments as well as a good understanding of market conditions there is also a lot of profit to be made. Seven of the top ten asset management financial services are located in the United States.

All financial services companies in the United States must follow guidelines and regulations set forth by the House Financial Services Committee of the US government. These rules and regulations are put in place to help provide protection for investors and ensure that all financial services are being completed legally and ethically. Some of the Acts and laws that the House Financial Committee oversees are the US Housing Act, The Truth in Lending Act, Fair Credit Reporting Act and the Federal Reserve Bank and Federal Deposit Insurance Corporation. The Committee also monitors global investments and investments inside of the United States from foreign investors. This careful monitoring and review helps financial services offer the best, safest and fairest opportunities for investment on any scale.
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Manage your Money with the Latest Online Financial Planning Calculators


Managing your finances is never easy especially if you have vast amounts of money to handle. However, there are several online financial planning calculators which can help you manage your finances easier while also providing you up-to-date news, weather information, and convenient bills and taxes payment facilities. The Internet makes your daily tasks of managing your finances easier through the latest online financial planning calculators. Let’s go over the most popular online financial planning calculators.

Debt Planning Calculator
This is an online aid that provides multiple functions that are particularly useful for credit cardholders. All you have to do is enter the balance, interest rate, and the minimum payment. From these entries, results will be displayed indicating the minimum amount you’ll be paying every month and the interests you’ll end up paying. Through this calculator, you can also determine the exact time when you’ll be debt free.

MMI (Money Management International) Calculator Service
MMI Calculator Service is a simple tool that you can use to manage your finances. This is an online financial planning calculator that is very user-friendly. This tool helps you record your existing loan payments and determine how long it will take for you to become debt free. The records are usually shown in charts through numeric and graphical representations. MMI also has the feature of providing options for you in case you decide to change your loan term payment amounts.

Loan Payment Calculator
A quick online financial planning calculator that helps you compute your monthly payments if you intend to borrow money for huge purchases.

Gross Merit Calculator
This is an easy-to-use online financial planning calculator that helps you reconcile your assets and your debts. If you plan to use this calculator, make sure that you are well aware of your financial status.

Retirement Calculator
This online financial planning calculator helps you estimate your current savings program to prepare you for retirement. All you need to do is enter your basic finance information such as savings and salary earnings.

Adjustable Rate Mortgage & Fixed Rate Calculator
This online financial planning tool assists you in comparing rates between adjustable mortgages and fixed mortgages so you will know which option is best for you.

Credit Card Chooser Tool
There are two ways in selecting the right credit card. One is to determine if it helps you save money, and the other, if it costs you money. With the help of the Credit Card Chooser Tool, you can find out about interest charges and credit card balances. With this, you will know which credit card offers the best credit deal.



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human resources payroll payroll taxes a r a p - Ideas

Stop Overpaying your Corporate Taxes and Start Preserving Your Wealth (Benton Evening News)

Wed, 31 Oct 2007 09:52:42 GMT
(ARA) - According to the Internal Revenue Service (IRS), a significant number of American businesses are paying excess taxes. Is yours one of them? Probably, but it's not like the IRS is going to clue you in.

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