All Penny Stocks.com - Micro Cap and Small Cap Stocks. A website devoted to Canadian and American Stocks and Penny Stocks. Site also offers weekly write-ups of financial news, weekly penny stocks to watch, daily top 50 penny stocks info, technical analysis, and more.

Ameritrade - TD Ameritrade.

Annual Reports Service. The Wall Street Journal Online Annual Reports. A free service for investors seeking stock research & financial information. Search by alpha A-Z, by Industry, or by Company name.

Ask Research. A free service for investors. Free stock charts. Includes: Daily Chart, Intraday Trading Chart, Watch List, Symbol Lookup, Before The Bell, Glossary.

Barchart.com. Includes Learning Center, Information on U.S. Markets, Futures, Funds, Signals, Symbol Search, Chart, Quote, Technicals, Sectors, Opinion, Snapshot, Advanced, Performance, Projections, and more.

Beware of Foreign Currency Trading Frauds - FOREX Advisory from United States Commodity Futures Trading Commission (CFTC), which warns consumers of various kinds of frauds in today's financial markets.

BigCharts: A Service of MarketWatch. At BigReports toggle between US and CA for United States or Canadian stock quotes. Quick Quotes, News, Industries, Markets, Historical Quotes, and more.

Bloomberg.com. Top financial and world news, stock market update and quotes (NYSE/AMEX delayed 20 min., NASDAQ delayed 15 min.), rates and bonds, currencies, commodities, technology, US economy, free weekday e-mail report on top stories.

BMO InvestorLine. Online brokerage from Bank of Montreal. PLEASE BEWARE OF TRICKY BMO InvestorLine PRACTICE!! CAUTION - A Quarter is NOT a Quarter here! In all other BMO practices, a quarter is a quarter, but BMO InvestorLine calculates qualifying Quarter for Active Traders differently from their own normal acceptance of Quarters and differently from any other online brokerages: 30 trades are required in the PREVIOUS three calendar months, NOT in the normal Quarter as generally assumed and accepted. The example showing on the BMO Website (see direct quote below) for April, May & June as a previous quarter, which happens to correspond to Q2, is misleading. Beware that BMO's method of calculating quarters could put you at a distinct disadvantage. You may be charged $29 per limit trade instead of the expected $9.95 after you thought you had reached 30 trades and have qualified as an Active Trader in the "previous quarter".
Direct quote from BMO InvestorLine: "If you execute 30 or more electronic equity and/or option trades per quarter and sign up for eServices, you will gain access to the Active Trader Program automatically*. Your status for the Program will be automatically evaluated each month based on your trading activity for the previous three calendar months. For example, for you to qualify for the Program starting July 1, you will need to execute 30 or more qualifying trades from April 1 to June 30."

Canada.com. Business Headlines, Key Numbers, Stock Centre, Mutual Funds, Commodities & Futures, Personal Finance Tools, Basic Savings Calculator, RRSP Calculator, RESP Calculator, Investment Calculator, RRSP vs. Non-RRSP, Financial Post, FP Market Data, Currency Converter, Loans & Savings, Great Canadian Icons, Gallery: Money 101, Business News Briefs.

Canadian Financial Network. The CFN Collection consists of over 6000 international online financial resources, most are free.

Canadian Investor Protection Fund (CIPF). Current Member List of over 200 investment dealers in Canada e.g. BMO InvestorLine, RBC Direct Investing, CIBC Investor Services, E*TRADE Canada. CIPF covers customers of Members who have suffered or may suffer financial loss solely as a result of the insolvency of a Member. Generally, investors are protected up to $1,000,000 of loss per separate account with each CIPF Member. CIPF FAQ.

Canadian Market & Economy. Categories: Economic Analysis & Commentary, Market Data: Market Digest, Stock Quotes (Canoe), Stock Quotes (Excite), Stock Graphing, Major Canadian Indices, Canada Most Actives, The Major Indexes - Complete TSE Listings, Bonds, Mutual Funds, as well as Investor Tools, Stock Exchanges, Government & Regulators, Broker & Online Trading, and Business Magazines.

Canadian Securities Administrators (CSA) - Investor Information. Includes: Investing and the Internet: Be Alert to Signs of Fraud, The Basics of Investing, Ten Tips to Help Safeguard Your Money, Investor Education for Kids, and more.

Canoe Money. Canadian focus. News, Markets, Mutual Funds, Learn about Small Business, Banking in Canada: Credit, Income, Mortgages, Car Loan Rates, Credit Card Rates, Personal Loans, GIC Rates, Interest Rates, Mortgage Rates, Loan, Lease, and Mortgage Calculators, RRSP and Tax News, Currency Rates, RRIF, and more.

CBS MarketWatch. Provides fast breaking news, with award-winning data, tools, research and charts.

Charles Schwab. Schwab Active Trading: Price - Overview.

ChartFilter. A free technical analysis education site. ChartFilter's free Newsletter takes popular technical indicators against historical stocks and walks the investor through the analysis.

CIBC Investor's Edge. Canadian and U.S. Equity and Option Trades.

Convert Your Paper Savings Bonds Using SmartExchange from TreasuryDirect, the first and only financial services website that lets you buy and redeem securities directly from the U.S. Department of the Treasury in paperless electronic form. SmartExchange allows TreasuryDirect account owners to convert their Series E, EE and I Bonds to electronic securities in a special Conversion Linked Account within their online account.

Day Trading. Info and advice from U.S. Securities and Exchange Commission. Day Trading: Your Dollars at Risk, Internet and Online Trading: Warnings and Tips - Find out how to invest wisely, avoid fraud and investment scams on the Internet. See also Other Investor Education Sites.

DealBook - New York Times. Current business news and analysis on Mergers, Acquisitions, Investment Banking, IPOs (Initial Public Offerings), Private Equity, Hedge Funds, Venture Capital, Current law suits and court cases.

DividendInvestor.com. Dividends and Dividend Paying Stocks in the United States. Company Information, Stock Information, plus Dividend Information which includes (where available): Dividend Yield, Dividend Yield 5yr Avg, Dividend Rate, Dividend Payout Ratio, Dividend Payout Ratio 5yr Avg, Dividend Growth Rate 3yr and 5 yr Avg, Dividend Payment Type: e.g. Cash, Dividend Declaration Date, Dividend Ex Date (Ex Dividend Date), Dividend Record Date, Dividend Pay Date.

DividendInvestor.ca - Canadian Dividend Stocks. Dividends and Dividend Paying Stocks in Canada.

Dow Jones & Company. Dow Jones History / Timeline. Fact Sheets.

Edustock. Explains the stock market, provides educational tutorials, company profiles, and a FREE 20 minute delayed Stock market simulation on the World Wide Web.

Efficient Market Canada. Canadian ETF, Mutual Fund, and RRSP Advice, News and Information.

TheEnergyNews.com. Energy News, Reports and Information for the Oil and Gas Industry. The Energy News Archives. Watch daily News Release videos twice a day: early and late editions, include stock market reports for oil and gas companies, income trusts, and more.

E*TRADE Canada. Online trading and investing.

E*TRADE United States.

Financial Glossary of Wall $treet Week with FORTUNE. The glossary, compiled by Professor Campbell R. Harvey of Duke University, defines more than 7,200 terms.

FinanncialResources.ca. Canadian Financial Resources, Articles, and Tools.

Flow Through Shares Explained. What you should know about "Super" Flow-Through Shares.

fundlibrary.com. Canada's Mutual Fund Resource Centre. Over 10,000 pages of general and fund-specific information on all aspects of mutual fund investing may be found in this excellent fund library. Keep track of your portfolio, analyze fund performance, calculate average costs of each fund, view charts, gain and loss reports, as well as details for individual funds, and have portfolio reports sent to you by email daily, weekly, or monthly. Free service.

Global Penny Stocks. The only penny stock site recommended in Barron's and by Forbes, picks stocks trading at under $5 that are on the NYSE, NASDAQ, and AMEX.

globeinvestor.com, or GlobeinvestorGOLD.com. Complete coverage of North American markets. Globe Portfolio keeps track of your personalized investments in U.S. and Canadian funds with automatic conversion of U.S. to Canadian currency and vice versa. Used to be free, but now there is a fee charged to use this program. Check out Globe's Quote Lookup:

Enter Canadian or U.S. stock or index symbol(s):

Symbol Lookup

Hoover's Companies A-Z from Hoover's Directories. For each company, site provides information on Key Numbers, Key People, Industry Information, Top Competitors, Rankings, plus its Subsidiaries / Affiliates Covered by Hoover's Online.

FINRA Investor Knowledge Quiz Test your investing knowledge from Financial Industry Regulatory Authority (FINRA) - largest non-governmental regulator for all securities firms doing business in the United States. FINRA oversees nearly 5,000 brokerage firms, about 173,000 branch offices and more than 677,000 registered securities representatives.

• Test Your Knowledge from Academy of Young Investors.
• Test Your Investment Knowledge from Vanguard.
• Test Your Investment Knowledge from the Oxford Club, Investment U.
• Investing Quiz from the Oxford Club, Investment U.
• Path to Investing - Put your investment knowledge to the test with games and quizzes.
  • See how many investing terms you can unscramble in two minutes.
  • Put your knowledge of investment fundamentals to the test, including investment types, return, and strategies.
  • Test your knowledge of the rules, strategies, language, and organizations that make the markets work.
• Test Your Investment Fraud IQ from AARP (American Association of Retired Persons).
• Test Yourself on Investment Scams from ScotiaBank ABCs of Fraud®.

Fraud Quiz: Test Yourself on Investment Scams from ABCFraud.ca.

Income Trust from Wikipedia, the free encyclopedia.

Income Trust Fall-Out: NAFTA Trust Claims. American couple the first to launch NAFTA challenge against Government of Canada for eliminating Income Trusts; Inviting others to join. OTTAWA – OCTOBER 30, 2007 – Marvin and Elaine Gottlieb are taking on Prime Minister Stephen Harper, Finance Minister Jim Flaherty and the Canadian government for the Halloween 2006 broken promise on the elimination of income trusts. What is NAFTA Chapter 11? NAFTA Chapter 11 is the portion of the North American Free Trade Agreement that allows investors from one NAFTA country to sue the government of another NAFTA country for actions which hurt them or their investments.

Income Trust Mythbusters from Canadian Association of Income Trust Investors (CAITI).

Income Trusts: Harper Breaks a Promise, Investors Lose Billions, Canadian Taxpayers Lose Billions, Your share of the Bill, Who Benefits? The Tax Leakage Myth, Income Trust Reports, Income Trust Buy Outs, Press Commentary, Conservative Response to the Criticism, Income Trust Associations, Grass Roots Groups, Income Trust Email addresses.

In reference to Jim Flaherty's Mini Budget of Oct. 30, 2007, Gordon Pape notes in his article on "Trust investors get a (small) break," 3 Nov. 2007, Toronto (GlobeinvestorGOLD): "... buried in Annex 1 of the document was this short paragraph: 'The rate reductions will also apply to the new distribution tax, which is generally applicable beginning in 2011, on publicly-traded income trusts and partnerships.' This means that when the tax kicks in on Jan. 1, 2011, it will be at a rate of 29.5 per cent, not 31.5 per cent as originally announced. And in 2012, it will drop to 28 per cent. So by 2012, the tax will be 11 per cent less than anticipated."

Stephen Harper: fix income trust mess. Article Posted: September 09, 2008, 10:24 PM by Diane Francis, National Post. View Stephen Harper Income Trust Promise video from YouTube, 46 sec. Flaherty explains why he won't change rules on Income Trusts video from YouTube, 4:13 min. And just for laughs, view also Stephen Harper's Broken Promises video from YouTube, 2:58 min.

Income Trusts - Broken Promise - Stephen Harper 0:45 min., Stephen Harper and Income Trusts 0:10 min., Canada to Tax Income Trusts - Halloween Massacre 2006 2:17 min. Income Trust Bombshell 1:45 min. - Report on Business, from YouTube. Canada’s New Government Announces Tax Fairness Plan - Ottawa, October 31, 2006.

Income Trusts - Trust Basics - Part 1: What are trusts? Putting trust in trusts by Rob Carrick, from Globe & Mail [Toronto]. Part 2: How to research trusts - Study income trusts before investing in them. Part 3: Adding trusts to your portfolio - The trouble with trusts.

Income Trusts or Income Funds. What are Income Trusts? Four categories: Business Trusts, Real Estate Investment Trusts (REITs), Resource Trusts, and Utility Trusts. Full Listing of Canadian Income Trusts including Name of Trust, Symbol, Yield, Distribution Frequency. Site also includes: Full listing of all Canadian Income Deposit Securities, and Full listing of all Canadian closed-end investment trusts.

IndependentInvestor.info. Provides both theoretical and practical information on investing for free.

An Introduction to Japanese Candlestick Charting by Erik L. Gebhard. Article covers: Technical Analysis…a Brief Background, Candlestick Charts Explained, Bar Compared to Candlestick Charts, Common Candlestick Terminology, Candlestick Reversal Patterns, Morning Star, Evening Star, Doji Star, Shooting Star (Inverted Hammer), and more. See also: How to Read a Japanese Candlestick. Introduction to Candlesticks. Introduction to Japanese Candlestick Charting.

Investcom.com. Investment information of all Canadian public companies

• TSX, Toronto Stock Exchange
• TSX Venture Exchange
• Montreal Exchange
• NEX Board
• CNQ
• Nasdaq Canada
• Canadian IPOs
• US Stock Market, AMEX, NASDAQ, NYSE, OTCBB, Canadian Venture Exchange, Vancouver Stock Exchange, Alberta Stock Exchange, Winnipeg Stock Exchange, Canadian Dealing Network.
• Brokerage Guide
• Canadian Mutual Fund Directory
• Income Trusts
• Income Trust Distribution Reports
• Industry Links
• Metals & Mining
• Free Annual Reports
• Market Activity - Update every 15 minutes. Prices delayed at least 15 minutes.

Investing 101: Learn the Basics of Investing from Yahoo! Finance. Beginning Investing, Bonds, Choosing a Broker, DRIP (Dividend Reinvestment Plan) & DSPP (Direct Stock Purchase Plan), Investment Clubs, Mutual Funds, Options, and Stocks.

Investment Dealers Association of Canada (IDA). A national self-regulatory organization (SRO) and trade association for the Canadian securities industry, represents more than 190 Member firms across the country.

Investopedia. Free educational site for novice as well as seasoned investors. Motto: "Never invest in anything you do not fully understand." Site includes Stock Basics - Education for Beginners, Industry Analysis Handbook, Dictionary, Basic and Advanced Tutorials, 20 Investments You Should Know, Economic Indicators to Know, World's Greatest Investors, Your 8 Step Guide to Picking Stocks, Investment Strategies for the 21st Century, and more.

InvestorED.ca - Investor Education Fundjapanee can. Canada's unbiased, non-profit source for information and tools that help consumers make better decisions when investing and managing their money.

Investor Protection Trust: Dedicated to non-commercial investor education. The primary mission of the Investor Protection Trust (IPT) is to provide independent, objective information needed by consumers to make informed investment decisions. Includes The Basics of Saving and Investing: Investor Education 2020, an investor education and protection teaching guide.

InvestorWords.com. A comprehensive financial glossary with over 6000 definitions and 20,000 links between related terms.

IPO Monitor. Comprehensive Coverage of IPOs and Secondary Equity Offerings.

MER - Management Expense Ratio from Investopedia. It is important for investors to be aware of the MER as it affects the rate of return that an investor in the fund achieves. Note the following big bank index funds that track the Canadian market, each tracking the same index fund but with significantly different MERs:

• $452-million BMO Equity Index Fund has an MER of 1.01 per cent
• $830-million CIBC Canadian Index Fund has an MER of 0.96 per cent
• $467-million RBC Canadian Index Fund has an MER of 0.71 per cent
• $204-million Scotia Canadian Stock Index Fund has an MER of 1.0
• $826-million TD Canadian Index Fund has an MER of 0.88 per cent.
• Figures from Article: "Intelligent Indexing" by Rob Carrick, GlobeinvestorGold, 4 Apr. 2007.

MFDA - Mutual Fund Dealers Association of Canada is a not-for-profit federal corporation incorporated in June of 1998. The MFDA is the mutual fund industry’s self-regulatory organization (SRO) for the distribution side of the industry, responsible for regulating all sales of mutual funds by its Members in Canada. (Slow loading).

MoneyChimp. Topics: How Much Are Stocks Worth? Index Funds and Indexes, Explained: Index Basics. Index Styles: Large Caps, Small Caps. A Tiny Useful List of Index Funds and Exchange Traded Funds (ETF). Includes a pop-up Calculator and a Glossary.

Morningstar.com. Useful site with lots of investment information and tools to help you understand and analyze stocks, mutual funds, and portfolios. For Morningstar's Canadian site see Morningstar.ca where you will find US Analyst Reports on Stocks, rankings for mutual funds, e.g. Five Star Funds, Fund Quickrank, and Fund Selector. Morningstar stes are also available internationally in Australia, Europe, Finland, Hong Kong, Japan, Korea, Netherlands, New Zealand, Norway, and Sweden.

The Motley Fool or Fool.com. Advice center aims to educate investors. News headlines and articles updated several times a day. Message boards.

MSNBC - Stocks & Economy Front Page. Latest Business and Markets News, Market Indices, Quote Lookup, and more.

The Ontario Securities Commission (OSC): Regulator of Canada's largest capital market. Mandate is to: Protect investors from unfair, improper and fraudulent practices; Foster fair and efficient capital markets; and Maintain public and investor confidence in the integrity of those markets.

Paycheck Calculators. Employee Self-Service Tools to Better Manage Your Paycheck from PaycheckCity.com (for employees in United States). Include: Hourly Paycheck Calculator, Form W-4 Assistant, Gross Up Calculator, 401(k) Calculator, Bonus Pay - Percent, Bonus Pay - Aggregate, Stock Option Calculator, Defined Contribution Calculator, Savings Planner, Termination Calculator, and more.

Penny Stocks: You Get What You Pay For. Excellent advice from Joe Chapin.

Policy lessons from the recent financial market turmoil. Speech by Hervé Hannoun, Bank for International Settlements (BIS), Ottawa, 8 - 9 May 2008. Explains the credit crunch and stock market turmoil. "The key features of the recent financial market turmoil can be summarised as excessive and hidden leverage, excessive complexity, and imprudent financial alchemy." 12-page full speech in PDF.

Report on Business from reportonbusiness.com - Canada's destination for business news, investing, personal finance. Includes Market Action, News & Comment, Tax Centre, The Law Page, and more.

Reuters. Founded in London in 1851. Reuters is the world's largest international multimedia news agency - 2,300 staff serving 130 countries, Real-time data provided on 5.5 million financial records, Information on 40,000 companies, Financial information from 258 exchanges and OTC markets, and lots more.

Risk Grades Measure. Risk charts provide indication of stock risks (investment risk ranking) over 3 months, 6 months, or 1 year periods, your choice of range of dates. RiskGrade™ Measure provides free risk analysis to investors in 6 languages. Compare price volatility of a stock globally, compare investment risk of an equity across all asset classes, regions, and currencies.

The Rule of 72 (with calculator) from MoneyChimp. The rule of 72 says that to find the number of years required to double your money at a given interest rate, you just divide the interest rate into 72. Find out Why the Rule of 72 Works.

SEDAR - System for Electronic Document Analysis and Retrieval. Online database of documents filed with securities regulators providing information on all publicly traded companies in Canada, including annual reports, financial statements, news releases, and company prospectuses. New Public Company Filings, Search database for Public Company Documents, Search for Mutual Fund Documents, Search Public Companies Profiles A-Z and Mutual Funds A-Z. Includes links to Regulatory Sites and Stock Exchanges.

Stock Market Yellow Pages: Your Investment Research and Business Portal. Site includes Stock Market Research and a Business Directory which allows you to search for public companies based upon their descriptions.

Stock Quotes from Yahoo! Finance. Includes free portfolio tracker.

Stock Technical Analysis. Including QQQQ Analysis - Nasdaq 100 Trust.

Super Stock Picker. Agnosoft claims "to have developed an innovative stock market research software, the Super Stock Picker, which picks the best Canadian stocks from the Toronto Stock Exchange in order to build high-performance Canadian stock portfolios that meet all investor profiles."

TD AMERITRADE. Stock trading and investing. TD AMERITRADE UK for residents of United Kingdom.

TD Managed Assets Program (TD MAP) from TD Canada Trust - an innovative investment and portfolio management program that helps you invest in the targeted asset mix to reach your financial goals.

TeachMeFinance.com. Site teaches you basic finance concepts, e.g. Time Value of Money, Annuities, Perpetuities, Interest Rates, Effective Annual Rate (EAR), Cash flow, Probability Distribution - Expected Rate of Return (ERR), Standard Deviation, Capital Asset Pricing Model (CAPM), Bond Valuation, Stock Valuation, Net Present Value (NPV), Internal Rate of Return (IRR), Modified Internal Rate of Return (MIRR), etc.

Telenium: Canada's Financial Host. Obtain free stock quotes from Toronto Stock Exchange, Montreal Exchange, Canadian Venture Exchange, and Winnipeg Commodity Exchange. All exchange summaries posted daily at 18:00 CST. All quotes are delayed by a minimum of 15 minutes and are linked to 100 day and 100 week charts.

TheStreet.com. Market analysis, financial news. Covers latest stories, market briefing, market news, stock news, tech stocks, personal finance, commentary, international news and commentary, latest stock quotes and research tools, learn about investing basics, message boards, chats and appearances, and more.

U.S. Securities and Exchange Commission (SEC). The primary mission of the SEC is to protect investors and maintain the integrity of the securities markets. The SEC requires public companies to disclose meaningful financial and other information to the public, which provides a common pool of knowledge for all investors to use to judge for themselves if a company's securities are a good investment.

The Value Line - A research company that collects data and analyzes performance of approximately 8,000 stocks, 13,000 mutual funds, 80,000 options and other securities. (Paid subscription required for products and services). Value Line's Free Education Section. Comparing the Value Line Averages. Dow Jones Industrial Average, 1920-2004 (Quarterly Price Range) - Chart in PDF.

Wall Street in Crisis from Wall Street Journal - WSJ.com.

Yahoo! Finance. Stock quotes and market analysis. U.S. Markets, Canadian Markets (include REAL TIME quotes for Dow Jones Industrial, Nasdaq, S&P 500, TSE 300, etc. throughout the trading day), World Markets, Research and Research earnings, Loans, Investment challenge, and more. Customize your own portfolio and quotes to include stocks and funds of your choice.

332.64 Stock exchange, (Securities exchange)

Stock Exchanges Worldwide Links. Select by Continent: Africa, Asia (includes Australia and New Zealand), Europe, Middle East, North America, and South America.

332.7 Credit cards, Debt, Loans, Mortgages, Consumer credit

ACA International (ACA) formerly the American Collectors Association, was created in 1939 to bring together third–party collection professionals to advance the credit and collection industry.

Consumer Handbook on Adjustable-Rate Mortgages (ARMs) from United States Federal Reserve Board (FRB) and Office of Thrift Supervision. With an ARM, the interest rate changes periodically, usually in relation to an index, and payments may go up or down accordingly. Includes a Glossary and Mortgage Checklist. In Canada, ARM is also referred to as Variable Rate Mortgage.

All Mortgages & Refinance Mortgage News. Mortgages Magazine provides news on home loan purchases, refinancing, and debt consolidation. Includes: Types of Mortgages, Mortgage Basics, and Mortgage Calculator.

American Express: Fraud Protection Center: Credit Card Fraud, Identity Theft, Internet Security, Merchant Fraud, Phishing.

Calculators from FinAid. Information on Loans, Student Loan Advisor for Students. Loan Payment Calculator, Loan Analyzer, Loan Comparison, Cost of Interest Capitalization, and more.

CanEquity Mortgage® is a national Canadian mortgage brokering company offering home loans to clients in all provinces and territories. Site includes a handy Canadian Mortgage Rate Calculator.

Credit Card Matrix: Complete Credit Card Directory. Topics covered: Good Credit, Poor Credit, Students, Business Rebate Cards, Frequent Flyers, UK and Canada, All Cards Consolidation, Credit Reports, Credit Repair, Credit Card FAQ. Caution advised when applying for a credit card online. Learn all about credit cards before applying and using a credit card.

Debt Collection Practices: When Hardball Tactics Go Too Far. A debt collector may embarrass you by contacting your employer, family or neighbors. You may even be hounded to pay a debt that is not rightfully yours. This guide explains the federal Fair Debt Collection Practices Act (FDCPA) and other laws that apply to debt collectors, including Tips for Dealing with a Debt Collector.

Credit Reporting Agencies:
Equifax - United States
Equifax - Canada
Here is a phone number from Equifax Canada that you can call to get a free Credit Rating Report mailed to you in 3-5 days: 1-800-465-7166. You will need your Social Insurance Number (SIN), Date of Birth, house number, postal code, and one credit card number (will not be charged). Their instruction to enter your postal code may be confusing to some people, e.g. for L4W 5R2, 1) Press JKL (on phone pad) then listen to instructions to press 3 for the letter L; 2) Press 4; 3) Press WXY (on phone pad) and listen to instructions to press 1 for W, etc.
Equifax - United Kingdom
Equifax - Global Links
TransUnion - Canada
TransUnion - United States
Experian: Credit Report, Online Credit Check - Global Gateway Worldwide links.
See also How to Survive the Internet Unscathed - Identity Theft.

Credit Scoring. Facts for Consumers from Federal Trade Commission (FTC), United States of America. Credit scoring is a system creditors use to help determine whether to give you credit. A credit scoring system awards points for each factor that helps predict who is most likely to repay a debt. Credit scoring systems enable creditors to evaluate millions of applicants consistently and impartially on many different characteristics. Site includes tips from FTC to help you be a more savvy consumer. See also:

• Credit Scoring 101. PowerPoint Presentation from FTC.
• Credit Scores: Information you need to manage your score - from TransUnion Canada.
• 5 steps to a higher score. Learn how to manage your credit score and improve your creditworthiness, from TransUnion Canada.
• Your Credit Score: How It All Adds Up from Privacy Rights Clearinghouse, includes
• Tips for Improving Your Score.
• Your Credit Scores from Consumer Federation of America and Fair Isaac Corporation.
• My FICO. FICO Credit Scores, Online Credit Reports and Identity Theft Protection. See how FICO scores affect your monthly payments. Note: Credit score FICO is an acronym for Fair Isaac Credit Organization.
• Facts & Fallacies about Credit Scores.

Financial Consumer Agency of Canada (FCAC). Protecting Consumers - Informing Canadians. A new government agency created in 2001 to protect and educate consumers in the area of financial services. FCAC oversees financial institutions to ensure that they comply with federal consumer protection measures. Contents include:

• FAQs, For Consumers: Resource Centre
• Credit Card Interactive Tool - designed to help you shop around for credit cards that best suit your needs.
• Understanding Your Credit Report and Credit Score
• Cost of Banking Guide
• Quizzes: Rights and Responsibilities Quiz, Credit Card Quiz, Mortgage Quiz
• Mortgage-related Tools
• Know Your Rights
• Low-Cost Accounts
• Protecting Yourself Against Debit Card Fraud
• ABM Fees on Cash Withdrawals
• Do you have a complaint about a financial institution? and more.

GovLoans.gov. Gateway to United States Federal loan information.

How Credit Cards Work financially and technically. Contents: Tips on how to shop for a credit card, Credit card plans, Credit history, and How to avoid credit card fraud both online and in the real world.

Knee Deep in Debt. Facts for Consumers from Federal Trade Commission (FTC). Contents: Self-Help (Developing a Budget, Contacting Your Creditors, Managing Your Auto and Home Loans), Credit Counseling and Debt Management Plans, Protect Yourself (Be wary of credit counseling organizations that charge high up-front or monthly fees for enrolling in credit counseling ... ), Debt Consolidation, Bankruptcy, Debt Negotiation Programs, Damage Control.

Mortgage101.com - Mortgage Calculators include Monthly Payment, Loan Amortization, Loan Points, Refinance, Tax Benefits, Loan Consolidation calculators. Site also includes a Market Snapshot with Daily Mortgage Averages, Daily Rate Averages - Current Mortgage Rates, and a Mortgage Library with useful educational articles on interest rates, applying for a mortgage, and more. U.S. based.

Mortgage Calculators from Bankrate.com. See also Mortgage Calculators from Mortgage-Cal.com.

Mortgage Calculators from Interest.com.

Mortgage Quiz - Test yours and your Loan Officer's Mortgage I.Q! (very difficult quiz), Understanding an Amortization Schedule, plus Online Tutorials from Amortization.com.

The Ontario Association of Credit Counselling Services (OACCS). A registered charity that represents a membership network of professional, not-for-profit Credit Counselling Agencies that will help you get out of debt, hopefully permanently. Contents include: You can trust OACCS, Money trouble signs, Regain financial control, Working with you, Understand your options, Guiding your path to financial wellness, Personalized debt repayment plans, Contact OACCS Member Agencies in your area, or call 1-888-7-IN DEBT (1-888-746-3328) to reach the OACCS Central Referral Service.

Secret History of the Credit Card from FRONTLINE. Introduction - In this one-hour report, correspondent Lowell Bergman uncovers the techniques used by the industry to earn record profits and get consumers to take on more debt, Eight Things a Credit Card User Should Know, Interviews, A Credit Card Quiz, Credit Cards and Personal Responsibility, The Rise of the Industry, Your Credit Score, When the Debt Collector Calls, and more.

VISA. Products & Services include ATM Locator, Lost Your Card? Smart VISA card, etc. Consumer Tips include: Protect Your Visa Card, Tips for Safe ATM Usage, About the Euro, Travel Resources, Financial Tips, Safety Tips for Visa Cardholders, and Check Card Shopping Tips.

Your Access to Free Credit Reports. Facts for Consumers from the United States Federal Trade Commission. A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months.

332.8 Interest (Economics), Interest rates, (Prime rates)

Bankrate.com. Interest rates: Today's Averages, Mortgage rates, CD (Certificate of Deposits) rates, auto loans, credit cards, mortgages and more.

Bloomberg.com - Rates & Bonds. Key interest rates for Australia, Brazil, Germany, Japan, U.K. and United States. Data for U.S. includes Prime Rates (Current, 1 month - 1 year prior), Mortgage Rates, U.S. Treasuries, Municipal Bonds.

CANNEX Financial Exchanges Limited gathers, compiles, and distributes interest rate information for Canada and United States.

CIBC Historical Effective Prime Rate - in PDF. Handy 2-page chart of Prime Rates in Canada from Canadian Imperial Bank of Commerce (CIBC). Effective Date from April 16, 1974 to current.

CNNMoney: Interest Rates. Mortgages and home equity loans - Search for rates from hundreds of lenders in U.S. Deposit rates - Search for rates on CDs, money markets and interest checking. Includes: Auto loans and credit cards.

Federal Reserve Statistical Release - Selected Interest Rates, Daily Update.

Interest Rates: A Primer from CBC News Indepth: Economy. "Interest rates in Canada are broadly determined by the level of interest rates in the United States, the relative inflation rates in both countries, and the relative stances of their monetary policies."

Interest.com. Mortgage rates. Compare current interest loan rates for mortgages across the United States. Includes Mortgage Calculators.

Prime Rate - Today's Rates from TD Canada Trust, Prime and Other Rates - Today's RBC Royal Bank rates: Royal Bank Prime (Canadian Prime Rates), U.S. Prime Rates, U.S. Base Rates. Canadian Current Rates from Scotiabank, Bank of Canada releases 2007 schedule of dates for its policy interest rate announcements. "The Bank Rate is the rate of interest that the Bank of Canada charges on one-day loans to financial institutions. It is also part of a range called the Operating Band for the overnight rate. The overnight rate is the interest rate at which major financial institutions borrow and lend one-day funds among themselves. The Bank Rate is always at the top end of the operating band, which is half a percentage point wide. For example, if the operating band is 4.25 to 4.75 per cent, the Bank rate would be 4.75 per cent. The Overnight Rate Target is always at the middle of the band. Target for the Overnight Rate would be 4.50 per cent."

Prime Lending Rates - U.S. and Prime Rate - What It Means. Rates & Bonds - United States from Bloomberg.com. Prime Rate - Bank of America. Prime Rate from About.com.

Simple Interest Calculator, Compound Interest Calculator from Webmath.com.

333.33 Real estate business, Houses - Buying and selling, (Home buying), (Home purchase), (Real property), (Realty), (Apartments), (Rentals)

Amortization schedule calculator from Bankrate.com. Excellent calculator. Calculates your monthly mortgage payment, calculates the impact of extra mortgage payments (by month, by year, and/or lump sum), and provides you with printout of Amortization table.

apartmentguide.com - Apartments in the U.S.A. Select a housing type, e.g. Apartments or Corporate Housing, select a State, select a Metro Area, or enter a property name to search for an apartment. You can also specify features you want in the apartment and the price range. Site provides photos, maps, addresses, floor plans where applicable, rent cost, contacts, and other details.

Canada Mortgage and Housing Corporation (CMHC). Canada's national housing agency. Site Map. CMHC for Consumers. Topics: Buying a Home, Mortgage Insurance, Renting a Home, Maintaining a Home, Renovating a Home, Programs & Financial Assistance.

CanadaMortgage.com. A Quick Mortgage Calculator applicable for Canada and U.S. available at a click away. Comparison rate chart showing current mortgage interest rates, Learning Centre, Glossary, Legal Information, Calculators and Tools: Amortization Calculator, Home Financing Calculator, Mortgage Manager Calculator, Currency Calculator for Currenty Conversion, Buy Down Calculator, Rent vs. Own Calculator, and more.

Canadian Real Estate Association (CREA). Provides information on the buying and selling of a home, What is a Realtor, Code of Ethics, Home Buyer’s Plan, and a Glossary of Terms. Also includes statistics on the Canadian resale housing market.

Commercial Investment Bulletin Board System (CIBBS) from ICI World.net. Global databases and information services for commercial and residential real estate brokers and salespeople to serve the public. Search Have Want - Properties for Sale and Lease, Purchaser and Tenant Wants, Search FSBO - For Sale By Owner, Latest Listings, Lisings in U.S.A., Ontario Canada, Western Canada, Eastern Canada, Europe, Caribbean and Central America, Asia and Middle East, Pacific Rim and Southeast Asia, South America, Australia, and Africa.

Cost of Living Calculator from CNNMoney.

Credit rating from Wikipedia, the free encyclopedia. "A credit rating assesses the credit worthiness of an individual, corporation, or even a country. It is an evaluation made by credit bureaus of a borrower’s overall credit history." See also:

• Why do we need credit reporting? What is a rating? What is an "inquiry"? What is a credit score? FAQs from Equifax.
• 5 Tips for Improving Your Credit Score from Federal Reserve Board.
• Improving your FICO® credit score from myFICO®, the consumer division of Fair Isaac Corporation, the company that invented the FICO® credit risk score.
• How to Improve Your Credit Score from eHow.com.

Credit Rating - Your Life, Your Credit from the Mortgage Professionals, Kingston, ON. Credit Reporting Agencies: How the system works. Credit Score: How is your score calculated, How to achieve a higher Credit Score, Credit Rumors / Misconceptions, Credit Warning Signs, Identity Theft.

Current Mortgage Rates from MortgagesInCanada.com. Includes Canadian Mortgage Calculator, First time buyers, Poor credit, New to Canada, Free discussion group dealing with mortgages in Canada, and more.

Domania.com. Database of over 21 million home sale prices from 26 States in the U.S. (Non-disclosure States excluded). Links for the Home Buyer: Check home sales (go back 5-7 years) - search by location or price range, Calculate mortgage payments, Research tax rates, Buyer's Checklist. For the Seller: Determine home values, Estimate home equity, Check neighborhood sales, Seller's checklist.

FratalNet Real Estate Server for United States, San Francisco Bay Area, California, as well as Outside the U.S.

Garth Turner's Weekly Column published in newspapers across Canada. Topics covered: Mortgages, Income Trusts, Rental Real Estate, Money, Mortgage Rates, etc. Bank of Montreal Mortgage Centre, CIBC Mortgage Rates, RBC Royal Bank Mortgage Rates, Scotiabank Mortgage Centre, TD - Canada Trust Mortgages, Mortgages in Canada and others; Work Sheets (Checklists, Worksheet, Home Purchase Costs Estimate, Monthly Expenses, Selling Checklist), Government / Information (CMHC, Real Estate Glossary, Canadian Real Estate Association, Home Buyers' Plan (HBP), RRSP, Ontario New Home Warranty Program (ONHWP), GST New Housing Rebate, Land Transfer Tax, Universal Currency Converter, Canadian Tax Tip from Certified General Accountants of Ontario via CNW (Canada NewsWire).

GST/HST New Housing Rebate from Canada Revenue Agency (CRA). Includes Forms GST190, GST190-WS, and GST515. All about rules and regulations governing application of Goods and Services Tax / Harmonized Sales Tax (GST/HST) New Housing Rebate.

Home Buyers' Plan (HBP) from Canada Revenue Agency (CRA).

Homes & Communities - U.S. Department of Housing and Urban Development (HUD).

Homes for Sale by the U.S. Government. Site provides current information about single family homes for sale by the U.S. Federal Government. Anyone can buy one of these homes, but you must work with a real estate agent, broker or servicing representative to submit an offer or bid. See How to Buy U. S. Government-owned Homes. Click on a state from the map then choose a city, or use text version to search for homes for sale.

ICI World - World of Industrial Commercial and Investment Real Estate. 3000 out of 8000 listings are placed in the free viewing area, mostly from U.S. and Canada. Site includes listings from Africa, Asia & Middle East, Australia, Caribbean, Central America, Europe, Pacific Rim, Southeast Asia, and South America. View free listings of FSBO (For Sale by Owner) around the world, but only paying subscribers can respond to listings.

International Real Estate Digest (IRED) - ired). Lists Real Estate Web Sites from USA, Canada, Mexico, Central America, South America, Caribbean, Europe, Mid-East, Africa, Asia, Oceania, Australia, plus related Resources.

Land Transfer Tax Calculator. Ontario Land Transfer Tax Calculator provided by MacNaughtonLaw.Com.

• How to calculate the Land Transfer Tax in the Province of Ontario from HomeLife/Muskoka Real Estate Ltd.
• Land Transfer Tax Bulletins from Ontario Ministry of Revenue - Land transfer tax is imposed on the acquisition of an interest in land.

MLS - Canadian MLS Online. Multiple Listing Service (MLS) for Canada. Database of commercial and residential properties available for sale throughout Canada.

Mortgage Information from INVIS, Independent Mortgage Broker. Contents include: First-Time Home Buyers, Compare Current Mortgage Rates, Calculators: Maximum Mortgage Calculator, Mortgage Analyzer, Full Amortization Mortgage Strategizer, Rent or Buy Analyzer, Glossary.

Mortgage Life Insurance from Essential Benefits Group. Includes Top 3 Reasons to Avoid Bank, Credit Union, or Trust Company Mortgage Life Insurance.

TheMoveChannel.com. Worldwide property resource with a directory of over 20,000 property and real estate websites. Includes Guides on How to Buy, How to Sell, How to Rent, How to Move, Property Guides: Jargon Buster - meaning of terms A-Z, and more.

New in Homes. View hundreds of brand new homes and condominiums from home builders in Ontario, Canada. Categories: Start New Search, The Builders, What's New (watch for grand openings), Legal Info, Mortgage Info, New Home Alert, and Community Info.

Ontario Commercial Real Estate. Search Industrial Properties, Commercial Properties, Investment Properties, or Vacant Land in all parts of Ontario. Search by City or Town, Search by Property Type, or combined search. Free database.

Ontario New Home Warranty Program (ONHWP) - Name changed to "Tarion". Program aims to protect Ontario's new home buyers. Statutory Warranty Coverage: New home buyers benefit from deposit protection, and are protected against defects in work and materials, as well as major structural defects.

Ottawa Real Estate Board.

Real Estate ABC - The ABC's of Real Estate. Real Estate & Mortgage Resources. Housing Trends: Interest Rate Forecast, Existing Home Sales, Recent Appreciation. Articles & Tips: Home Buying, Home Selling, Hints & Insights, Income Taxes, Mortgage, Credit Articles, Glossary, Questions & Answers. Real Estate Agents: in USA, Canada & US Territories. 16 Calculators including Mortgage Payment Calculator, Rent vs. Own Calculator, Cost of Living Calculator, Principal Prepayment Calculator, Bi-Weekly Mortgage Calculator, and more.

RealProperty Transaction Centres - Ontario Real Estate Legal Specialists. Site provides useful information including Title Insurance and Real Property related Glossary of Terms from Amortization Period  to Vendor Take Back Mortgage.

Rent Canada - Canada's Internet Apartment Guide. Select a province and a city to view locations of rental apartments, search by furnished apartments, by company (property management firms), by area, Residential Rental Property Search, classifieds, vacation properties, and more.

RE/MAX.com. Search for properties by location, by price range, find agent or office in over 50 regions around the world. Tips for selling your home. Financial calculators. Check today's mortgage rates or calculate monthly mortgage payments in U.S. and Canada.

Toronto Real Estate Board. Includes links to:
Canadian Real Estate Association
Ontario Real Estate Association
Brampton Real Estate Board
Durham Region Real Estate Board
Mississauga Real Estate Board.

Vancouver - Greater Vancourver Real Estate Board.

Zillow.com - Your Edge in Real Estate. Find out the worth of any home in the U.S. Free, instant valuations and data for over 67,000,000 homes in the United States.

336.2 Taxation, (Income tax), (IRS), (CRA), (CCRA), (Revenue Canada), (Tax returns), (Taxes)

2008 Personal Income Tax Return Checklist. Canadian tax tips from George Caners Charter Accountant on: Disability Tax Credit (DTC) Transfer, Education Tax Credit - University Outside Canada, Medical Expenses, Transportation and Travel Expenses, Canada Child Tax Benefit (CCTB), Employment Income (departing employee has a legal obligation to their former employer), Employee Training, Scholarships, Employee vs. Independent Contractor, Business / Rental Property Income, Marriage Breakdown, and other tax tips.

AARP Tax-Aide. American Association of Retired Persons (AARP) Tax Aide was established in 1968 to help older persons complete their tax returns. Trained volunteers help persons with low- and middle-income maximize their legal deductions and credits, resulting in tangible economic benefits to them. Use Online Tax Counseling - Get Answers to Your Tax Questions Online (U.S. only), a public service from the AARP Foundation.

The Alternative Minimum Tax. Revenue and Tax Policy Brief from United States Congressional Budget Office (CBO).

BankRate.com. Tax News and Advice for taxpayers in the United States. Finding free tax help by Kay Bell.

Canada Revenue Agency (CRA). On Nov. 1, 1999, the name Revenue Canada was changed to Canada Customs and Revenue Agency (CCRA). On December 12, 2003, Canada Customs and Revenue Agency (CCRA) was changed to Canada Revenue Agency (CRA).

• Income Tax Act - Canada.
• Site Map. Site provides online access to Canada's income tax information.
• CRA Keyword Search.
• Income Tax Forms & Publications, bulletins, and details on all aspects of Canadian income tax system and completion of all tax returns, personal and corporate.
• TIPS - T.I.P.S. Tax Information Phone Service 1-800-267-6999.
• FAQ.
• Get your Access Code online to Netfile your tax return, or call e-service Helpdesk at 1-800-714-7257 (from Canada and United States) for assistance, teletypewriter (TTY) number for e-service Helpdesk is 1-888-768-0951.
• RRSPs and related plans.
• My Account - Manage your personal income tax and benefit account online by: changing your return, changing your address or telephone numbers, authorizing your representative, registering your formal dispute, or call toll free 1-800-959-8281 for Individual Income Tax Enquiries, 1-800-959-1956 to find out about your income tax refund.
• Tax Alert: The Canada Revenue Agency warns Canadians of mail scam.
• Volunteer Tax Preparation Clinics across Canada.
• What's new?

Canadian Income Tax Courses:
Canada Revenue Agency: Learning About Taxes. Free Online Course - To understand the fundamentals of the Canadian tax system and to teach you how to file a basic income tax return.
H&R Block Canada: Tax School
Liberty Tax Service.

Daily Tax Highlights - Canada from Deloitte Touche Tohmatsu.

Essential Links to Taxes (U.S.). Contents include: Major Tax Sites: IRS, H&R Block, FedWorld; Tax Forms: IRS Forms, 1040.com, UncleFed; Publications: IRS Pubs; Tax related news: IRS Newsroom, Tax Analysts; Tax Law: Legalbitstream, Thomas, Nolo.com; Tax Code: U.S. Code, Code Search; Commercial Tax Sites: CPA Advantage, H&R Block, Quicken; Associations; Link Lists: Tax and Accounting Sites; Tax Tools and Utilities: MSNBC Personal Finance Calculators, Tax Term Glossary; and more.

Free Tax Calculators & Tax Tips from TurboTax.

H&R Block U.S. Tax Tips.

Health Savings Accounts (HSAs) from United States Department of the Treasury. Office of Tax Policy

Internal Revenue Service IRS.gov, U.S. Department of the Treasury. Tax Statistics, IRS e-file, Free Online Filing where you can e-file your individual tax return for free, Taxpayer Help and Education, Tax Regulations, Where to File Addresses, IRS Forms and Publications, Extension of Time to File Your Tax Return, Frequently Asked Tax Questions and Answers, .

Johnston, David Cay. Q&A: David Cay Johnston. Transcript of online chat on the Forbes.com CEO Network with New York Times reporter David Cay Johnston, author of Perfectly Legal: The Covert Campaign to Rig Our Tax System to Benefit the Super Rich--and Cheat Everybody Else. Chat moderated by Mark Lewis of Forbes.com.

• "Perfectly Legal" by David Cay Johnston. A Pulitzer-winning New York Times reporter argues that the rich have ruthlessly rigged the tax system against the rest of us. Book review by Farhad Manjoo.
• David Cay Johnston from Wikipedia.
• David Cay Johnston: A BuzzFlash Interview.

Personal Income Taxes in Canada from About.com. Information on electronic filing, the income tax package, forms and schedules, supplementary guides and tax tips.

SmartMoney.com: Tax Guide (U.S.)

Tax Administration from the Ontario Ministry of Finance.

TaxBrain: Tax Basics.

Tax Court of Canada (TCC) is a superior court of law and has jurisdiction to hear and determine appeals and references on matters arising under the following Acts: Income Tax Act, Employment Insurance Act (formerly the Unemployment Insurance Act), Part IX of the Excise Tax Act (GST), Canada Pension Plan, Old Age Security Act, Petroleum and Gas Revenue Tax Act, Cultural Property Export and Import Act, Customs Act (Part V.1), Air Travellers Security Charge Act, Excise Act (2001), War Veterans Allowance Act, and Civilian War-related Benefits Act.

Tax help with QuickTax Tips.

Tax Information, Tax Advice, Tax Tools, Tax Software, Taxes from Kiplinger.com.

Tax Loss Carryback. See also Net Operating Loss Carryback or Carryover in United States.

Tax Loss Selling from CIBC Wood Gundy. See also: Tax loss selling might reduce the bill for 2007, Superficial Loss Rules in Canada.

Tax News for Home and Business from CNNMoney.

Tax News Network Canada from PricewaterhouseCoopers. Includes Tax Facts and Figures for Individuals and Corporations.

Taxes for United States taxpayers, from Yahoo! Finance.

TaxTips.ca - Canadian Tax and Financial Information. Very useful site with practical tips and advice. Contents include:

• Tax Rates / Credits
• Federal Personal Income Tax Rates
• What's New?
• Glossary of Investing, Financial, Accounting and Tax Terms
• Money-Saving and Wealth-Building Tips
• Personal Tax
• Small Business
• GST / HST - Goods and Services Tax / Harmonized Sales Tax
• PST - Provincial Sales Tax
• Seniors, and more.

Top 10 Tax Tidbits. Updated weekly. Site provides current Canadian Income Tax Law information, plus tax saving Canadian income tax legal tips, and weekly income tax minimization strategies for Canadians.

Uncle Fed's Tax*Board. IRS Tax Forms, IRS Tax News, IRS Bulletins, State Tax Forms, How to Protect Yourself and Survive the IRS, Fun Stuff (includes games and education material, e.g. American Historical Documents), Tax Preparation Help, Helpful Links for Tax Professionals, U.S. Tax Court Rules, Taxpayer Bill of Rights, Audit-Proofing Strategies, and more.

Yahoo! Finance: Tax Center. How-to Guides: Taxes - Include: Common Tax Credits, Capital Gains, Audits and Penalties, Tax Brackets, Tax Changes: What They Mean to You, Alternative Minimum Tax -- Not Just for the Wealthy.
Yahoo! Canada Tax Planning Tips.

336.3 Public debts, (Government debts), (National debts)

Australia's Future December 1996 by Philip Atkinson - Quote: "The national debt has now passed the $16 billion mark and shows no sign of reducing." See also: About Fraser Island by David Kidd circa 2002 - Quote: "Have you heard of any more likely government plans for finding the $200 billion plus needed to get Australia out of debt?"

Canadian Debt and Tax Clock from Stingy Investor.

• Federal government net financial debt from Statistics Canada.
• Canadian National Debt vs. GDP from The Bolt, University of Saskatchewan.
• American national debt vs. Canadian national debt.

The Debt to the Penny and Who Holds It from Bureau of the Public Debt, United States Department of the Treasury. Facts and Figures - The Debt of the United States - Archives of Historical Debt Outstanding. Annual 1791 - 1849, 1850 - 1899, 1900 - 1949, 1950 - 1999, 2000-2006.

Government Debt, Public Debt. Information from Answers.com.

How to Fix Our Juvenile Debate About the Federal Deficit from The Skeptical Optimist. Includes Best Debt Clock in the USA: Debt = $ 8,672,663,318,753.87, GDP = $13,296,787,694,743.92, Debt-to-GDP Ratio: 65.22374816% (as of 8 p.m. EST 25 January 2007).

U.S. National Debt Clock. Site shows the current Outstanding Public Debt in U.S. dollars as it ticks away as of today, this very hour, minute, and second (Greenwich Mean Time). The Outstanding Public Debt as of 19 Mar 2007 at 04:04:31 AM GMT is: $8,832.282,318,961.81. The estimated population of the United States is 301,217,910 so each citizen's share of this debt is $29,321.91. The National Debt has continued to increase an average of $1.91 billion per day since September 29, 2006! See also: Historical Debt Outstanding - Annual 2000 - 2008, 1950 - 1999, 1900 - 1949, 1850 - 1899, 1791 - 1849, from Bureau of the Public Debt, United States Department of the Treasury.

U.S. Public Debt. Explanation and information from Wikipedia, the free encyclopedia. "The U.S. public debt, commonly called the national debt or the gross federal debt, is the amount of money owed by the United States federal government." See also: Frequently Asked Questions (FAQ) about the Debt from Bureau of the Public Debt, United States Department of the Treasury.

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