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Behind the Signs: Factors That Affect Gasoline Prices
Behind the Signs: Factors That Affect Gasoline Prices,? provides an overview of the factors that determine gasoline prices, such as the price of crude oil along with taxes, location, and seasonal and weather effects.
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Buy Now, Pay Later: A Credit Alternative
Learn how the alternative credit option known as “buy now, pay later” has evolved, how it is designed, and how this installment loan works.
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The Smart-Chip Credit Card: A Current Solution
The familiar magnetic stripe credit cards used for decades in the United States are being phased out. Read about the new smart-chip credit cards, designed to reduce fraud and improve security, in the March issue of Page One Economics: Focus on Finance.
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Advertising: Dollars and Decisions
Consumers see or hear thousands of advertisements each day. The April 2017 issue of Page One Economics: Focus on Finance reviews advertising history and strategies ads use to create demand and influence consumer tastes and preferences.
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Income Tax: Facts and Filings
Federal individual income tax must be paid to the U.S. government, but the amounts paid vary widely. The December 2016 issue of Page One Economics: Focus on Finance addresses basic facts about the tax?its history, purpose, and current structure.
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From Coins to Big Bucks: The Evolution of General-Purpose Reloadable Prepaid Cards
Prepaid cards were invented to solve a problem: replacing coin usage in pay telephones. Since then, prepaid cards have evolved into a huge competitive market for general-purpose reloadable (GPR) prepaid cards. Read more about GPR prepaid cards in the inaugural edition of Page One Economics Focus on Finance.
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Credit Bureaus: The Record Keepers
If you've taken a personal finance class, listened to the news on radio or television, read articles in the newspaper, or participated in social media, chances are you've seen or heard something about a credit bureau. In fact, the term "credit bureau" is so commonly mentioned that you may have not given much thought to the work and power of credit bureaus and how this affects you. Actually, there is much to learn about credit bureaus?and the records they keep.
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Smart Phones and Budget Changes
Everyone wants financial success, but how can it be achieved? A first step in attaining this goal is making a budget. This means creating a plan that ensures an effective way to balance income, spending, and saving during a given time. Because a budget is so valuable, it is specifically included in the National Standards in Personal Finance: "People can improve their economic well-being by making informed spending decisions, which entails collecting information, planning, and budgeting."
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Individual Income Tax: The Basics and New Changes
Income tax is certain, but do you know the facts? Learn the basics of federal individual income tax and the new changes from the 2017 Tax Cuts and Jobs Act in the December 2018 issue of Page One Economics: Focus on Finance.
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Fast Cash and Payday Loans
Payday loans are convenient and provide FAST cash to cover emergency situations or help pay a borrower?s expenses from one paycheck to the next. But the fee-based structure of payday lending is quite different from a traditional loan, and laws vary among the states. The April 2019 edition of Page One Economics: Focus on Finance takes a look at the structure and fees that make these loans costly.