Personal Finance

Utility Assistance Grants

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Utility assistance grants help to keep low income individuals and families, senior citizens, disabled people and young children from living in cold houses and apartments. Money for the grants comes from federal, state and local government agencies. Help is also available through non-profit organizat

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Can a Trust Give a Warranty Deed?

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A warranty deed is a type of transfer deed that conveys property from one entity to another. It carries both an express and implied warranty that the entity transferring the property has the right and legal authority to do so. Since a trust is a legal entity that may own property, it can use a warra

How to Get the Most Money From FASFA

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The increase in the cost of obtaining a college education makes getting the most money from the free application for federal student aid more important than ever before. The amount of money received in federal aid depends on two factors -- applying early and the amount of your expected family contri

The Best Way to Save on Baby Supplies

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Having kids is pricey. From maternity clothes and care to diapers, baby wipes, cradles, strollers and other things that are your child needs, you would definitely spend a lot of money. Parents just want the ...

Can You Get a Money Loan on a Prepaid Visa Without a Direct Deposit?

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In addition to credit cards, the financial services company Visa also offers prepaid cards. These prepaid cards function somewhat like a debit card linked to a checking account. A person is allowed to place money on the card and then make purchases with it at any place that Visa cards are accepted.

Ways to Make Extra Income

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Extra income is always welcome among most people, unless you're already incredibly rich or believe wholeheartedly in living off what people give you. Making extra income truly hinges on being resourceful and finding another job that interests you or is at least worth your time. This extra income wil

Smart Ways to Earn Money Online

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Today, everyone wants to live a comfortable life. However, earning money and protecting it has become a Himalayan task for most of us since it is not a stable entity. While some people may find ...

Government Grants for Buying Houses

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To acquire a government grant to purchase a home, you have to go through the U.S. Department of Housing and Urban Development, also known as HUD. These programs can help finance the cost of home ownership. Your qualification is based on a variety of factors, which influences whether your grant appli

Use of 529 Plan Proceeds

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A 529 plan is a type of college savings vehicle that typically allows you to invest in a select range of mutual fund options. You can open a 529 plan for yourself, your spouse, child, grandchild, or any other designated beneficiary. Each state sponsors at least one 529 plan, with many states offerin

How to Estimate Becoming a Millionaire with a Savings Calculator

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Becoming a millionaire may be a dream for many people, but it can actually happen with proper planning. A millionaire savings calculator can help you determine how much you need to save and in how long you'll have a million dollar. The calculator can be used as a millionaire planning tool. Use the

Signs That Someone Has Stolen Your Social Security Number

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Having your identity stolen is no laughing matter. The most common type of identity theft in the country is the illegal use of your social security number and when this happens the results can be devastating--debt collectors come after you for debts you do not owe and your credit can be destroyed. C

How to Consolidate a SEP IRA

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SEP stands for simplified employee pension plan, which is a type of individual retirement account (IRA). SEP plans offer pretax contributions, which means the money put into the account does not count as taxable income and the money in the account grows tax-sheltered. If you have multiple retirement

Non-Traditional Medical Scholarships

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Non-traditional scholarships are generally for older students returning to school after an interruption of several years. During that time some have started families or are raising children. Family responsibilities and expenses are among the reasons why returning to college or university presents ma

Scholarships for Mortuary School

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Funeral directors and related professions must be certified by states and undergo training in order to learn how to perform the duties associated with planning funerals. The job outlook for funeral service professionals is expected to improve through 2018, according to the U.S. Bureau of Labor Stati

Volleyball Summer Camp Scholarships

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Open to volleyball players of all ages and skill levels, volleyball summer camps help players improve their skills, learn new aspects of the game and have fun with fellow volleyball players. Volleyball camps are held across the United States and by high school and college volleyball teams, coaches a

How to Refinance a 5-Year ARM

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ARM loans, also known as adjustable rate mortgage loans, are home loans. These loans begin with an initial period (usually between one and five years) during which the interest rate is fixed. When this period expires, the interest rate can fluctuate--thereby causing the mortgage payment to fluctuate

How to Write a Letter to a Store Owner for a Refund

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When you purchase an item, you expect it to work and you expect to be satisfied with the item. Generally, consumers will take steps to exchange or return items that do not work properly or satisfactorily. Make sure you understand a retailer’s return policy before you purchase something, becaus