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Personal Finance : Business & Finance
Private Scholarships for Minorities
Minority scholarships are one of the most common student-specific scholarship types. Student-specific scholarships require that applicants meet certain criterion, or criteria, based on personal characteristics or experiences. Private minority scholarships are available through colleges or universiti
What Does it Mean When My Bank Account Shows an Available Balance?
When you view your bank account online or call in to check your account, you likely get two balances --- the ledger and the "available balance." Sometimes they equal each other, but in many cases they show different amounts. Know what an available balance means on your bank account so that you avoid
Maximum Retirement Benefits
When you retire, you might need every penny you can get. Every retirement plan is different in how it functions, but there are normally maximum benefits that can be withdrawn from any type of plan. Make sure you understand your maximum benefits so that you have enough money to live on.
Can Points Be Added to a Mortgage?
Of the many different types of mortgage loans, most allow you to add or pay for loan points. The two types of mortgage loan points are discount points and origination points. By understanding discount and origination points, you can make an educated decision about choosing to add points to your mort
Steps In Choosing A Professional Who Can Help In Finances
Checking the rules as well as the laws governing the industry that has to do with money is a task that is intimidating in nature, specifically if it happens that you have a complex monetary ...
When to Get My Free Credit Report & FICO Score
By law, you are entitled to at least one free copy of your credit report and score per year from each of the major credit unions: Experian, TransUnion and Equifax. Although you can get your free copy at any time, doing so becomes more pressing in certain situations. If you time your requests properl
The Average Salary of a Train Operator in Los Angeles
Train operators, commonly referred to as locomotive engineers or railroad engineers, are responsible for running trains that carry passengers or cargo between train stations. Train operators, like other major transportation managers such as airline pilots or sea captains, must complete an operationa
Can I Quit My Job Due to Lack of Transportation & Still Receive Unemployment in Ohio?
Under the Federal-State Unemployment Insurance Program administered by the U.S. Department of Labor, each state has the authority to establish eligibility rules limiting unemployment benefits. In Ohio, the Ohio Department of Job and Family Services is responsible for administering the Ohio unemploym
How to Fill Out a W-4P Form for Life Insurance
If you are the recipient of a life insurance benefit in the form of an annuity, you will need to provide the insurance company with a W-4P form. This form tells the insurance company to withhold standard taxes from your monthly payments. Monies within an annuity are taxable, and it's in your best in
Improve Retirement Income With Reverse Mortgages For Seniors
Nowadays, quite a few older persons are considering alternative types of income much like the purchase of a reverse mortgage program given that they battle to survive on social security and savings on it's own. ...
Getting To Know Medical Accountants
Basic functions of a Medical Accountant are providing comprehensive financial services not limited to € Accounts prepared on a timely basis € Meetings at your premises with a Chartered Accountant partner € An all inclusive ...
Maryland Grants
Grants are free money benefiting individuals and organizations. In Maryland, public and private grants totaling millions of dollars or more are given out each year. Grants are awarded for many reasons, including energy assistance, clean energy programs, education, housing, and community development.
Why Is Financial Information Important?
Financial information is important because it impacts so many areas of your life. You need financial information to apply for many forms of credit, and you need financial information to make purchases. If you track your financial information and take other steps to safeguard it, you can protect your
Homeowners: Save Money by Eliminating PMI Payments
Private mortgage insurance, often referred to as PMI, is insurance that lenders require borrowers to pay for when they get a mortgage and don’t have enough equity in the home.
Importance of Planning a Home Budget
Instead of scrambling to pay the bills each month, sit down and plan a home budget. If you know where your money is coming from and going to, you can make sure that there's enough to cover both your expected, and unexpected, expenses.
How to Sell Gold Jewelry in St. Louis
There are a number of places in St. Louis, Missouri, that will gladly pay you cash for your gold jewelry; you just have to know where to look.
Fiction Writing Grants
Writing fiction is not a career choice that generally earns a professional six figures a year. In fact, it can be very tough to make ends meet while developing creative ideas, putting them down on paper and then trying to find a market for your work. Grants can help supplement a writer's normal inco
How to Change an IRA CD to a Regular CD
A certificate of deposit is a bank savings account where the CD owner promises to leave the money in the bank for a designated term in return for a fixed rate of return. CDs are often used for IRA accounts if an investor is averse to investment risks and doesn't want to see the account fluctuate in
What Do You Do After a Layoff?
When you're handed that much-feared pink slip, you may feel a wide range of emotions ranging from depression and anger to indifference. Don't let the emotions rule you, though. Financial experts and agencies offer several specific strategies to help you navigate the post-layoff waters and get your f