Personal Finance : Business & Finance
When implemented correctly, a budget can serve as an effective money management tool. Associate your budget with being part of your strategy for financial independence. A budget requires you to understand your source of income and expenses. Calculate your net income or generally, what you take home
Fortunately, you are enjoying your retirement comfortably without the need to access Individual Retirement Account assets. This nest egg continues to grow under the tax-deferred structure, there if you need it for a rainy day or to pass on to your heirs. However, penalties are assessed for not takin
Every New Year brings a lot of happiness and celebrations but it also welcomes responsibilities to start preparing IRS tax forms. Among many forms, the Form W-2 (Wage and Tax Statement) is filled for reporting ...
Credit cards often offer cheap balance transfers, but if you have no credit card debt to transfer you might have another, more profitable use -- writing the check to yourself. As long as you use this in the proper manner this could be free money. On the other hand, you could find yourself in a deep
What is a Credit Agency?A credit agency, like Experian or TransUnion, is a company that gathers information about a person and his credit history. A credit agency can also collect the history of a corporation. The agency makes these reports available to third parties for a fee. Many...
The federal government handed out billions of dollars in tax rebate checks to consumers just like you. The funds came as part of a $150 billion economic stimulus package passed in 2008. In addition to incentives given to new businesses and the financial sector, individual taxpayers were given rebate
The internet, and internet based business in particular, has turned original business model on its head. More and more people around the world are finding it easier and much more convenient to shop online. The ...
Family nurse practitioners offer an alternative to visiting a physician for primary healthcare services. Whether they work in doctors' offices, clinics or hospitals, nurse practitioners alleviate the workload for physicians while providing patients with immediate care at a lower cost. Since nurse pr
Homelessness is a problem nationwide. The State of Georgia recognizes this problem and designed programs to provide rent assistance to keep its residents from becoming homeless. Providing rent assistance to low-income residents keeps families off the street and ensures safe and affordable housing. I
In Illinois, employees can receive workers' compensation benefits when they suffer job-related or on-the-job diseases or injuries. The state's workers' compensation benefits system awards benefits based on the extent of an employee's injury. Generally, employees who suffer more serious and permanent
The typical costs associated with storage units are heavily dependent on the size of the unit and climate control. Along with monthly rental fees, there are several other costs that consumers should consider before committing to a storage unit facility.
Filing your taxes is something you must do each year if you fall into the requirements. In 2005, if you were single and made more than $8,200 or married and made more than $16,400, you must file an income tax return. You can make the process easier by filing form 1040EZ, which is a shortened version
A credit score is a three-digit number that affects your financial future. The most common type of credit score is the FICO score. The score is calculated using a combination of factors. Lenders consider the FICO score when determining creditworthiness. A high score usually makes you an attractive c
IRAs are different from employer-sponsored retirement plans in one major aspect: The money in an IRA is always available for distribution. This is not always the best idea, however. Even though the IRS allows a withdrawal from an IRA at any time, it will impose certain penalties if the distributio
There are several sets of numbers on both debit or credit cards, which share the same characteristics. Each set of numbers has a specific purpose, such as to identify your account number, the identity of the card issuer and to prevent others who access your account number from making unauthorized pu
A checking account provides a combination of absolute safety for your money and the convenience of getting your cash whenever you need it. A checking account also allows you to receive your paycheck via direct deposit, giving you easier and faster access to the money you earn and allowing you to pay
Heir advance refers to obtaining lump sum cash in exchange for probated inheritance gifts. Probate is the process used to settle decedent estates. Certain circumstances can prolong the process and keep assets tied up for ...
There are several strategies you can use to raise your FICO score to help you obtain credit at reasonable rates. By focusing on the negative aspects within your credit report, you can raise your score gradually over time. Paying on time and keeping balances as low as possible are great strategies to
Pensions are retirement plans that are partially or fully funded by your employer. A pension provides you with an income you can use to supplement the rest of your retirement income. All pensions have several options for you to choose from when deciding how much you wish to receive. If you want more