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Personal Finance : Business & Finance

How to Reduce Your Spending Each Month

Creating a budget and spending less each month takes commitment. Small impulse buys add up, and in the long run, can be costly. In order to live frugally, you'll need some creativity and flexibility. For example, in Pasadena, California, the Dervaes family lives almost entirely on their one-fifth ac

Can Someone Explain to Me How to Use a Debit Card?

Debit cards resemble credit cards but work like checks. They make it convenient to shop without carrying large amounts of cash or a checkbook with you. They offer an advantage over credit cards because you only spend the cash you have in the bank rather than going into debt to make purchases. Often

How to Withdraw From Contributing to Social Security

When Congress approved and President Franklin D. Roosevelt signed the Social Security Act of 1935 into law, participation in the system was deemed compulsory. Section 801 of the original act mandated collection of taxes from employees and employers to pay for the act's provisions, which included pro

Australian Index Funds: Things You Need To Know

An index fund is a kind of mutual fund that has a stock profile made to suit the performance of the stock exchange or even one of its share sectors as calculated by the index ...

How Does APR Financing Work?

EffectsWhen you borrow money there is always cost associated with the loan. The cost is expressed in the form of an annual percentage rate, (APR). The higher your APR the more you pay in finance charges. The annual percentage rate you receive is based on your credit worthiness. If you...

Can You Collect Unemployment While Filing for SSI Disability?

When you become too disabled to work, you will find yourself eligible for two types of benefits: unemployment and Supplemental Security Income disability benefits. However, one of the requirements to receive unemployment benefits is that you need to be seeking work and one of the requirements to rec

How Interest Works in Savings Accounts

Savings accounts pay interest on deposited money. Interest compensates you for the opportunity cost of saving or the other investments or purchases you could have made with the same money. The interest rate refers to the percentage of your balance that is paid to you, usually each month.

What if You Run Out of a Remaining Balance on Your Unemployment Benefits?

Unemployment benefits only last for so long. Your claim is limited by your benefit year and the maximum benefit amount awarded to you by the state. After you run out of benefits, you can collect unemployment extensions if available. Then you can refile your claim to see if you qualify for another ye

The Best Retirement Wishes

Retirement represents an important milestone inside an individual's life. The end to a career could be sentimental to lot of retirees. Co-workers, family and friends do whatever they can celebrate the important events to make ...

Do You Have to Pay Transfer Tax to Put a Deed Into a Trust?

Real estate transfer tax is paid when property changes hands. Thirty-five states impose such a tax. If you create a trust in which you remain in control of the property, it is generally exempt from transfer tax. If you were to create a trust in which someone else took control and benefit of the prop

Are You Required by Law to Pay Income Taxes on Barter Benefits?

The 16th Amendment to the U.S. Constitution authorized Congress to levy a tax on income, but the definition of exactly what is income may at times be imprecise. The Internal Revenue Service breaks income down into two categories, taxable income and non-taxable income. Taxable income includes such co

How to Collect Rebates From Walgreens

Walgreens, founded in 1901, is one of the United States’ oldest drugstore chains. With over 6,000 stores nationwide, five million consumers visit Walgreens on a daily basis. One of the many reasons that consumers choose Walgreens is because of the bargains available through the Walgreens Ea

How Long Does it Take for Inquiries to Fall Off Your Credit Report?

Credit inquiries come from a number of sources. An inquiry appears any time you apply for a new credit card, a car loan or a mortgage or even rent an apartment. Too many inquiries can lower your credit score, but they do fall off your credit report with time.

Why Consider Self Managed Accounts To Invest In

Each person has different concepts regarding the way they deal with their super funds. Many people think that keeping monitor on the legal regulations and rules and most current legal amendments is really a challenge ...

How to Recover Safe Deposit Boxes

A safe deposit box is a metal container, normally fireproof, that is used to store personal property at a bank. Cash, jewelry and important documents such as wills are frequently stored in deposit boxes so that they will be more secure than they would be at home. If the bank happens to fail, deposit

Benefits From Serving in Marines

The United States Marine Corps prides itself on being "one of the most elite fighting forces in the world," according to Military.com. Besides the honor and respect earned by "leathernecks" who undergo strenuous training, U.S. Marines receive tax-free housing and food allowances in addition to their

About Grocery Shopping

Whether you love shopping for groceries or abhor it, getting the best value for your dollar should be your goal. Having a strategy ahead of time came be not only a time saver, but a money saver as well.

Can I Get an IRS Debt off of My Credit Report if It Is Older Than Ten Years?

Like all debt, IRS bills eventually become noncollectable, but not paying your tax debt could haunt you for the rest of your life and cost much more than what you owe the federal government. Most bad items eventually leave your credit report, but you can probably never wait out federal tax debt.

How to Increase the Size Limit of a Sparse Bundle

A sparse bundle is a type of disk image used by the Disk Utility application in Mac OS X. One of the most common uses of a sparse bundle is for Time Machine backups. The operating system creates a sparse bundle that contains the entire contents of the backup. If you've previously reduced the size of