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Personal Finance : Business & Finance
How to Find Five Ways To Earn Extra Money
Extra income is desirable for many different reasons. Whether additional money is necessary to get through college, save for a vacation, stash away for retirement or get through an economic pinch, patience and focus are necessary traits to succeed. Decide in what areas your talents and expertise are
Does Settling in Full Raise a Credit Score?
Old, unpaid debts can linger on your credit report -- tarnishing your credit rating and making it challenging to get approved for the loans and credit cards you need. Through a debt settlement, you pay only a portion of what you owe to satisfy your account with a creditor.
Bankruptcy Options in Georgia
The United States Bankruptcy Code establishes the guidelines governing the circumstances under which individuals and business entities may seek bankruptcy protection. Each state has at least one district bankruptcy court and this court may enforce additional local rules for filing. If you live in Ge
Salary for a Historian
Historians reveal the past. They study events, ideas, institutions, and individuals from times gone by to enhance our understanding of past civilizations. In contrast to archaeologists, who work primarily with physical objects, historians mostly rely on written records, photographs and illustrations
Are Federal Income Taxes Due on SS Pensions?
Your Social Security benefits may be taxable depending on the amount of other income that you have. Many people are surprised to learn that they must pay tax on their Social Security benefits, particularly when they have reached their full retirement age. Social Security benefits become taxable as y
IRA Certificates Vs. IRA Shares
An Individual Retirement Arrangement is an investment structure established by the Employee Retirement Income Security Act of 1973 to help investors save toward retirement. The IRA is a dynamic account structure that gives investors tax-deferred growth on a variety of investment types. An IRA certif
New Roth IRA Rules for 2010
In 2010, the Internal Revenue Service implemented new regulations to make Roth IRAs more accessible to higher-earning taxpayers. The new rules, which began Jan. 1 of that year, allow people in higher tax brackets to transfer funds from a traditional IRA to a Roth IRA. For 2010 only, another regulati
How Eviction Affects Credit Scores
Evictions don't usually appear on credit reports, so they don't affect credit scores. However, if you still owe your landlord money, a collection account or judgment may appear on your credit report. Both items will lower your credit score.
Cash Vs. Check
People used to barter to obtain hard goods and services, which could prove inefficient and cumbersome when larger amounts were involved. The invention of coinage, which allowed payment with precious metals, streamlined the payment process. Today, two forms of financial services make trade very effic
How to Correct False Information on a Credit Report
Credit is a flexible tool for consumers. It offers a way to purchase items and pay for them later. When you use credit, the lender reports that account to the credit bureau. The credit bureau uses that data to compile your credit report. Under the Fair Credit Reporting Act, only accurate data may ap
How to Describe the Reason for Leaving a Previous Job If I Was Fired
If you have been fired from your previous job, you may feel upset that the termination of your employment will forever be a blemish on your employment record. While most employers will want to know why you were fired, how you handle the inquiry will greatly affect the outcome. Although you may be te
Planning for the Future - How It's Best Done
Most people keep their hard-earned savings in bank accounts, but now more than ever, this practice is being questioned. The truth is that money sitting on deposit at the bank, according to experts, is a ...
How to Appeal a Social Security Disability Medical Review in Kansas
The Social Security Administration pays Supplemental Security Income benefits, or SSI payments, to low-income individuals of limited means who are completely disabled and unable to earn a meaningful income from work due to their disabilities. Qualifying for benefits can be a lengthy process. The Soc
Bank Reconciliation Definition
A bank reconciliation is an accounting method that compares checks written and payments made against checks cashed and fees charged on a bank statement. It gives bank customers an accurate picture of their current bank accounts and is a vital tool for personal and business money management.
How to Apply for Child Support in Florida Online
The application for child support in Florida cannot be submitted online, but all of the forms necessary to apply for child support enforcement services are available through the state's website. Child Support Enforcement Services in Florida can provide assistance with getting a court order, establis
How Long After Paying Off a Loan Does it Appear on My Credit Report?
Paying off a loan is important to raising your credit score--balances owed account for 30 percent of your FICO credit score, according to the Fair Isaac Corp. Paying off a loan does not mean the payoff appears immediately on your credit report.
How to Get a FICO Score
Your FICO score is an important credit number that can affect what kind of interest rate you are offered when applying for a home loan or even whther it will be available to you. This three-digit number is also used by landlords to decide who can rent an apartment or house and by employers in decidi
Scholarships for Courses in Engineering
Engineering students at colleges and universities who are in need of scholarship assistance to complete their studies can apply to the schools themselves or to professional societies. Some scholarships are available only to applicants pursuing degrees in specific branches of engineering, to students
How Much Can You Put in a Commercial Bank Account?
Commercial banks write loans, provide banking services and operate deposit accounts for both businesses and consumers. You can can open a noninterest-bearing transactional account at a bank or an account that pays interest. Many types of accounts have no deposit restrictions, but you have to keep y