Personal Finance : Business & Finance

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How You Can Avoid A Wealth Transfer Failure

How You Can Avoid A Wealth Transfer Failure

Protect your wealth with these two simple steps: create a detailed plan and teach the younger generation how to be fiscally responsible.......[Read More]
IRA Distribution: Can I Give to a Child While I am Alive?

IRA Distribution: Can I Give to a Child While I am Alive?

You are allowed to give to a child from your individual retirement account while you are still alive, but it may be more beneficial to your heirs if you designate them as the beneficiaries of your IRA after your death. Doing so allows your children to extend the IRA's tax shelter; it may also circum......[Read More]
Forex Trading Demystified

Forex Trading Demystified

Forex necessitates the investing of foreign currencies. It's the biggest money market on the globe and possesses around daily turn-over of 1.9 trillion dollars. This rotation is greater than all the world's stock market on ... ......[Read More]
How to Check Your Point Balance

How to Check Your Point Balance

One of the ways that credit card companies entice you is by offering rewards points for using their cards to make purchases. The reward points can then be redeemed for merchandise or cash at a later date. There are often bonus points awarded if you shop at certain stores, dine at certain restaurants......[Read More]
Credit Card Rules for Students

Credit Card Rules for Students

In 2009, Congress enacted legislation aimed at protecting consumers from unfair practices by credit card companies. In August 2010, the last components of the legislation took effect, leaving consumers -- especially students and adults under 21 years of age -- with more protection from the predatory......[Read More]
How to Calculate Escalation Percentages

How to Calculate Escalation Percentages

Escalation is beneficial when adjusting payments for various alterations in prices. To determine a percentage for an escalation price, the formula for an escalation adjustment escalation must be known. It is important to be aware of both the starting and ending costs when figuring out escalation per......[Read More]
School Grants for Geology

School Grants for Geology

Individual universities, the oil industry and professional groups award school grants for geology to outstanding students and those in need of financial aid. Students who intend to pursue a career in one of the geological sciences qualify. Grants, available to both undergraduate and graduate student......[Read More]
Open Source Budgeting Software

Open Source Budgeting Software

You may be interested in using your personal computer to help manage your budget and personal finances. However, before you consider a commercial software package, you might want to consider one of the many of the open source, free applications that are available, many of which have similar features......[Read More]
How do I Compare Major Bank Rates?

How do I Compare Major Bank Rates?

Major banks offer various interest rates for credit cards, mortgages and personal loans. According to the U.S. Federal Reserve Board, you should obtain information from several lenders or major banks to ensure you get the best rate for a loan. Taking the time to compare rates can offer long-term ben......[Read More]
Consider Annuities As An Asset For Financial Planning

Consider Annuities As An Asset For Financial Planning

Annuities are a series of regularly scheduled payments over a period of time. Annuities can be fixed or variable, and they can be the result of a variety of instances, including pensions and inheritance, in ... ......[Read More]
Terms for Collecting Unemployment

Terms for Collecting Unemployment

Though the federal government has guaranteed some form of unemployment compensation since 1935, states are allowed to set many of their own rules. In general, the rules are very similar or the same. In a few cases, states have extended benefits or other special provisions. To be certain of your stat......[Read More]
How Much Federal Income Tax Is on Early IRA Withdrawals?

How Much Federal Income Tax Is on Early IRA Withdrawals?

Most people know that if they remove their money from an IRA too soon, they will pay taxes and penalties on the value of the withdrawal, but it can be difficult to calculate exactly how much. IRA custodians withhold a certain amount of tax at the time of withdrawal, which may confuse you further. Th......[Read More]
Income Guidelines for Food Stamp Eligibility in Tennessee

Income Guidelines for Food Stamp Eligibility in Tennessee

Tennessee provides assistance to its citizens who are unable to meet financial hurdles to provide nutritious meals for themselves. Although income restrictions are the primary qualifier for inclusion in the state's food stamp program, applicants must also be residents of Tennessee, a citizen or qual......[Read More]
Does Refinancing Hurt Your Credit Score for a Mortgage?

Does Refinancing Hurt Your Credit Score for a Mortgage?

Individuals with mortgages will often choose to replace their mortgage with a new, more favorable one. This process, called refinancing, can be motivated by many things: an improvement in interest rates, a change in the mortgage holder's financial situation or a desire to change the loan's repayment......[Read More]
How to Clear Your Credit Cards

How to Clear Your Credit Cards

Clearing your credit cards and ultimately getting them back to a zero balance can be very challenging. It means making big changes in your lifestyle, like learning to budget your money and sacrificing luxuries for awhile. The only way to truly erase the debt is to pay it off at some point, although ......[Read More]
What Is the Penalty If a Roth IRA Contribution Is Not Filed?

What Is the Penalty If a Roth IRA Contribution Is Not Filed?

There is not an applicable penalty for a taxpayer failing to claim a contribution to a Roth IRA in a given tax year. However, there are disadvantages to doing such, including possible double taxation on those dollars. When the taxpayer receives distributions from his Roth account, he receives the ba......[Read More]
How to Help Teens Open Their Own Business

How to Help Teens Open Their Own Business

More and more teens are growing up with an understanding about money that was rare just a few years ago. Because of this, many will get the urge, at an early age, to try their own luck at starting a business. As a parent, there are lots of things you can do to support your teen, no matter what the o......[Read More]
Scholarships for Mothers With Children

Scholarships for Mothers With Children

Financial assistance is available for mothers who wish to return to school and further their education while raising their young children. In various parts of the country, academic institutions, scholarship programs and foundations offer this kind of support, knowing of the challenges confronting mo......[Read More]
A Guide to Identifying the Best Debit Cards in Australia

A Guide to Identifying the Best Debit Cards in Australia

Have you ever used a debit card before? If not, then this is your chance to get to know what a debit card is and how it can provide you with great convenience. Just imagine ... ......[Read More]
How to Calculate Real Disposable Income

How to Calculate Real Disposable Income

Disposable income is money that you have to spend after your taxes and all of your fixed expenses are paid. Your disposable income, in other words, is the money you have to spend on whatever you would like each month. It is important to calculate your disposable income so you'll know how to budget w......[Read More]