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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Do Child Support Judgments Affect a Credit Score?

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Your Credit ScoresYour credit scores are made up from algorithms that determine how likely a person is to default on an obligation. The theory is the higher the score, the less likely a person is to default on something. You are a low credit risk if you have scores in the 750 range; a...

How to Fill Out a Financial Aid Resource & Certification Form

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College financial aid departments sometimes send Resource & Certification forms to students to get a clear picture of what financial benefits the student may be receiving. This helps the financial aid department to maintain compliance with federal laws governing educational loans and grants, as well

How do I Pay Child Support Directly to an Ex in California?

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Sometimes it may be easier to pay child support directly to an ex-spouse or the other parent of your child, especially if the breakup is an amicable one and you both agree regarding the amount of payments and when and how they are to be paid. However, if a California Central Registry case has alread

CRNA Salaries in Ohio

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Certified registered nurse anesthetists, sometimes referred to as CRNAs, are advanced practice nurses who specialize in administering general and local anesthetics during medical procedures. CNN Money ranked the career of nurse anesthetists at Number 15 on its 2009 list of the Best Jobs in America,

How to Identify Bank Routing Numbers

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The American Banker's Association, or ABA, developed the ABA routing number, sometimes called an ABA number or routing transit number, as a way to identify the banking institution where a check originated. The routing number was originally designed for checks but is now attached to electronic transf

Required Information for a Wire Transfer

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Wire transfers offer an easy and secure way to send money quickly, especially when sending cash or checks is not an option. Wire transfers are used to electronically send funds from one person to another. They can be completed with any currency type and can involve cash transactions or movement of

Alternative Minimum Tax (AMT)

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A federal tax aimed at ensuring that wealthy individuals, estates, trusts, and corporations pay a minimal level income tax. For individuals, the AMT is calculated by adding adjusted gross income to tax preference items.

How to Apply for Food Stamps in Gresham, Oregon

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The United States Department of Agriculture changed the name of the food stamp program in January 2010 to the Supplemental Nutrition Assistance Program (SNAP). This program is meant to improve the nutritional needs of an individual or family. According to Oregon's Department of Human Services, appli

You Must Understand With regards to Best Online Forex Creates

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You will need to alter your thought approach initially from a typical particular person to that particular on the speculator. Practically all investors I've got found, besides a couple of profitable ones nobody produced thousands ...

How Does Not Paying Utilities Affect Credit?

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Many major utility companies regularly report a consumer's payment history to at least one credit reporting agency. Not paying your utilities can affect your credit rating if the utility company chooses to report the delinquency. Contact specific utility companies to learn if they report or plan to

How to Calculate Percentages with Basic Mathematics

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Using basic mathematics to calculate percentages doesn't have to be hard or require the use of an online percentage calculator. Figuring percentages is a simple matter of dividing one number by another, then multiplying the answer by 100.

How to Detect Fraudulent Checks

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Fraudulent checks can cost you a lot of money. When someone gives you a check and you cash it or deposit it with your bank, the bank may grant you access to the money immediately or within a day or two. While you may have access to the money, the check probably has not cleared the bank it was issued

How to Use a Leftover Visa Gift Card

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A Visa gift card is a prepaid card that you can use to make a purchase wherever Visa cards are accepted. Unlike credit and debit cards, however, the value of the gift card is limited to the amount loaded on the card. A common drawback is that, after purchasing desired items, the balance on the card

What Happens If You Default on a Private Student Loan?

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Private student loan lenders differ widely in their repayment policies and default penalties. However, even if you don't complete your college education and graduate, you must still repay your student loans. Unfortunately, assistance programs available to borrowers with private loans are fewer than

Financial Problems - The Cure

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Say good-bye to 2010 and welcome in 2011. Many people are very happy to get 2010 behind them. It has not been a very good year for most Americans. The unemployment level is still around ...

Tips on Teaching 6 Year Olds to Save Money

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Children can save coins in a piggy bank.piggy bank image by pershing from Fotolia.comBy age 6, children are old enough to learn the value of money and the importance of saving. Nearly all children enjoy shopping for toys and other preferred items. At age 6, they are old enough to...

SEC Filings Definitions

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The Securities and Exchange Commission requires publicly traded companies to file standard forms to disclose certain information to the public. Investors can use these forms to research a company's financial statements, discover information about the largest shareholders and mine an abundant amount