Browsing Category

Personal Finance : Business & Finance

Does Opt-Out Pre-Screen Raise Your Credit Score?

Although the Credit Card Accountability Act of 2009 made pre-approved credit card offers illegal, a loophole allowed lenders to mail 47 million offers for pre-approved business accounts in the first three months of 2010, according to The Wall Street Journal. Consumers can stop most pre-approved mail

Things to Buy for a New Car

Personalize your vehicle with new car accessories.Modern leather interior of the new car image by terex from Fotolia.comBuying a new car can be an exciting experience. But after you've finished the paperwork, made the down payment and driven off of the car lot, your shopping may not be...

Does Requesting a Credit Report Hurt My Credit Rating?

Checking your credit report is crucial to keeping an eye on your financial standing and protecting yourself from identity theft, and doing so will make no positive or negative impact on your credit score if you're doing it through the right avenues. From buying or renting a house to getting a job to

How to Calculate the Accumulated Interest on a Loan

When you borrow money, the lender charges you interest based on how much you owe, the interest rate and the amount of time that has passed since your last payment. You can easily calculate how much interest accumulates each day or month and use that to help you determine the total amount you owe. Ca

Can Collections Be Removed From a Credit Report After Being Paid?

One of the keys to maintaining a healthy credit score is to make all of your payment on time. As soon as you become 30 days late on a payment, damage has been done to your credit report and credit score that will take time to heal. While paying off your late accounts should help your score recover s

Coverdell IRA Contribution Limits

Coverdell Individual Retirement Accounts (IRAs) are used to help you save money for your children's college education. The Coverdell IRA functions like most other IRAs, but it has some important differences. One of those is the contribution limit, and you must know these contribution limits to avo

How to Transfer an IRA to Another Bank

Banks act as custodians for customers' Individual Retirement Accounts. IRA accounts often take the form of certificates of deposit or savings accounts. Bank employees with necessary licenses also sell mutual fund IRA accounts. The Internal Revenue Service does not penalize people for transferring IR

How to Figure the Exchange Rate From Dollars to Euros

An exchange rate is the rate at which the currency of one country can be exchanged for the currency of another. Anyone planning a visit to a foreign country will need to obtain the local currency at some point in the journey. It is best to obtain a small amount of the local currency before the trip

IRS Hardship Information

An IRS hardship typically refers to the requirements for receiving early distributions on retirement plans, such as 401(k) or 457(b). An employee must have an "immediate and heavy" financial obligation to qualify for hardship distributions.

Pell & FEA Grants

A federal Pell Grant can help pay for your college tuition and textbook and living expenses while attending school. Grants offered by the Florida Education Association provide funding for FEA members returning to school, undergraduate students planning teaching careers and the children of FEA member

How to Boost Your Bank Account Fast

You need quick cash to boost your bank account. Maybe you've gotten hit with a lot of bills, or maybe you are dealing with unforeseen circumstances like a speeding ticket or fine. It happens to everyone. There are a few ways you can boost your bank account fast in just a couple of days depending on

What Is Considered a Good FICO Credit Score

The Fair Isaac Corporation calculates a credit score for any individual who has had credit history information reported to the credit bureaus. Credit scores range from 300 to 850 and help lenders assess the credit risk an individual poses.

Minnesota Unemployment Insurance Information

Employers in Minnesota fund the Unemployment Insurance Program through payroll taxes, and employers may not accept contributions from their employees to offset their tax liabilities. Eligible applicants can receive up to 26 weeks of regular unemployment insurance benefits and at least another 34 wee

How to Open a Salary Account in an HDFC Bank

HDFC is an Indian bank that has special programs for nonresident Indians (NRIs) to send money back to India while working abroad. HDFC was established in 1994 and has more than 1700 branches across India as of 2010. One of the "net-banking" accounts available to NRI customers is the salary savings a

How to Clean Bad Credit

A good credit score can get you the best and most attractive loan rates. It can also help you meet your financial goals and make the application process for any type of loan faster and easier. Once you have bad credit, it is hard to escape without help and a plan. Through a calculated, knowledgeable

How Long Can Something Stay on Your Credit Report?

If you use credit, that credit account may appear on your credit report. Lenders report this data to credit bureaus. Bureaus then condense that information into your credit report and make it available to lenders, employers and insurers. Although credit accounts appear on a report, federal law dicta