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09/06/10 12:45 am

(http://www.money-zine.com/Category/Retirement-Calculators/)This IRA recharacterization calculator can be used to estimate the recharacterization amount in a given tax year. The calculator requires four inputs – the IRA starting balance, adjustments to that balance in the computation period, the amount to be recharacterized, and the IRA closing balance. Using this information, the calculator will figure [...]

Asking for a Raise

09/06/10 12:45 am

(http://www.money-zine.com/Category/Finding-a-Job/)Fundamentally, there are three major hurdles to getting a raise in pay. The first has to do with equity, meaning you must deserve to be paid more money. Second, you need to ask for a raise because most bosses don’t voluntarily give them away. Finally, someone has to agree to grant [...]

IRA Recharacterization

09/06/10 12:45 am

(http://www.money-zine.com/Category/Retirement/)For a variety of reasons, it’s sometimes necessary to recharacterize an IRA. One of the more common motives to recharacterize an IRA is when a taxpayer is no longer eligible to make a tax deductible contribution to a Traditional IRA. Under these circumstances, the taxpayer may decide to recharacterize their Traditional IRA [...]

Disadvantages of Roth Conversions

09/06/10 12:45 am

(http://www.money-zine.com/Category/Retirement/)Back in 2006, then President Bush signed a $70 billion tax cut provision that changed the eligibility rules for Roth IRA conversions. Starting in 2010, taxpayers with a modified adjusted gross income in excess of $100,000 can now convert a Traditional IRA into a Roth IRA. The easing of the income limit [...]

Crazy Credit Repair Collection Facts

09/06/10 12:45 am

Many Collections are Not Valid Many people in credit repair programs face some level of collection activity. Between phone calls, dunning letters, and the often cryptic list of debts that appear on credit reports, it can be problematic to identify legitimate debts and determine the best course of action. A Unique Breed of Collector There is a unique [...]

Credit Repair Services and Their Benefits

09/06/10 12:45 am

Reach Your Full Potential In spite of the FTC self-help credit repair campaign, the fact remains that there are few people capable of managing the job of credit repair on their own, at least to the extent that the full potential of the process is realized. And it is my opinion that to reach anything less [...]

Super Effective Credit Report Repair Tips

09/06/10 12:45 am

Tricks of the Trade Credit report repair, done right, can do wonders for the appearance of your credit report, and your scores too! Here are a few tricks of the credit repair trade that will really make your scores move fast. Put them to work individually, or all at once, depending on your own needs, and [...]

Sweet Budget Tips for Credit Repair

09/06/10 12:45 am

Build a Solid Foundation If you want to repair your credit you need to make sure your foundation is solid. There is little point in investing time or money in credit repair services if there is a likelihood of backsliding. One step forward and two steps back will never get you to your goal. One of [...]