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Personal Finance : Business & Finance

Tips and Tricks on Credit Repair

Avoid Financial Problems Now With These Tips In today's world financial goals are important. Whether saving for a car, home or even college tuition for your kids, you need a solid plan to hit those ...

Does Cosigning a Student Loan Affect Your Eligibility to Get a Student Loan?

For some students, getting loans is the only way to pay for tuition and related educational expenses. However, because many students do not have credit histories, lenders often require a cosigner who agrees to repay the loan if the student does not. Being a cosigner on someone's student loan can aff

How to Calculate Compound Interest With Annual Withdrawal

A bank pays an account holder interest in exchange for the use of the account holder's money. A bank account typically accrues compound interest, meaning that the interest itself also accrues interest. Some types of accounts only allow a withdrawal from the account once each year, so that the only c

How to Start to Save Money

Even though many of us want to save money, we don't always know how to get started. With this article, I will give you a step by step guide to spending less and saving more.

Who Is Eligible for Food Stamps?

The Food Stamp Program, now known as the Supplemental Nutrition Assistance Program, is a federal program that provides assistance to individuals and families for the purchase of food. Clients may also take advantage of nutrition education programs to learn to make healthy food choices. There are str

IRS Penalties & Bankruptcy

If the Internal Revenue Service assesses tax penalties against you and your appeal fails, you may be tempted to file bankruptcy to have the penalties discharged. This is possible in some instances and impossible in others. Variables include how old the tax debt is, and what type of bankruptcy petiti

The Average Annuity Administrative Fee

According to a 2007 market study conducted by Harris Interactive, 97 percent of baby boomers want to find a way to secure a guaranteed income for life. The shift away from pensions, such as their parents received, to defined contribution plans, has people in the 45- to 60-year-old age group worried.

Requirements to Draw Indiana Unemployment

In Indiana, eligible unemployed and partially employed workers can apply for unemployment benefits with the Indiana Department of Workforce Development. If eligible, an applicant can receive unemployment benefits for up to 26 weeks, without extensions. After an applicant's claim is approved, he will

How do I Compare a 401(k) & a Simple IRA?

Whether you work for someone else or own your own business, saving for retirement is essential. With fewer and fewer workers covered by traditional defined benefit pension plans, it has never been more important for every worker to save for the future. Both 401k plans and Simple IRA plans allow you

How to Get a Credit Report From 1990

Credit reports are an important part of your life. They record your financial habits and your responsibility to pay to debts and loans. They also affect many aspects of your life, including: purchasing and selling a home, obtaining smaller loans including credit cards and car loans, and even getting

Required Minimum Withdrawal for an IRA

You spend your entire working life putting money aside in your IRA, but how you take that money out can be just as important. When it comes to your IRA accounts, the two magic ages are 59 1/2 and 70 1/2. When you pass 59 1/2, you can start to withdraw your IRA money without penalty, and when you rea

Can I Receive Social Security & Unemployment Insurance in Minnesota?

Minnesota employers completely fund the state's unemployment benefits system by paying state unemployment taxes. The Minnesota Department of Employment and Economic Development is responsible for administering the state's unemployment benefits to unemployed workers. Eligibility depends on the circum

Dividends Vs. Salary

Dividends and salary are two forms of income. Dividends typically refer to income from investments, while you earn your salary from an employer. Taxation of these two forms of income can vary.

Major Objectives of Group Insurance Policy

Group insurance policy, as the name suggests, is a plan designed to provide insurance cover to a group of people which basically includes co-workers, professionals, employers-employees, cooperative societies and in certain cases some weaker sections ...

Requirements to Work an Ice Cream Truck in Phoenix, Arizona

Ice cream trucks are a staple of summer in many parts of America. Ice cream truck drivers drive around selling ice cream to children and others who want a treat to help them cool off in hot weather. In Phoenix, ice cream truck drivers must get several licenses in addition to their driver's license b

Can You Open a Savings or CD Account Over the Internet?

Savings and CD accounts are both created by banks to entice customers. The purpose of both accounts is the same: to store and save money while earning a dependable interest rate on it. These accounts are far less risky than investment in the stock market with their guarantees, and banks profit from

How to Sell My Old Gold

Selling your unwanted gold jewelry or scrap gold is a fast way to make some cash. Most pawn shops and jewelry stores will readily buy gold pieces and jewelry, and will usually provide with a quote on the spot. However, the price of gold is not stationary and fluctuates depending on the market. Ther

My Dental Bills Are Too Much and I Need Help

Due to lack of insurance, little savings or poor dental hygiene, individuals can sometimes not afford to pay their dental bill or have dental procedures completed. Thankfully, United States residents have a number of opportunities available to them to pay off a dental procedure or receive reduced-co

How to Recover Unclaimed Federal Financial Assets

While there is no central government agency that handles unclaimed assets, there are many departments within different agencies that deal with different loss situations. For instance, some assets are lost due to bank closures, while other assets are literally lost in the mail because of an incorrect