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Personal Finance : Business & Finance
Federal Poverty Guidelines for Food Stamps in Ohio
The federal government of the United States sets poverty guidelines based on the price of food across the country. The government presumes that a family spends one-third of its income on food and thus multiplies food costs by three to get the poverty guidelines, according to the National Center For
Tax Advice for IRA Conversion
Individual Retirement Accounts, or IRAs, are popular retirement savings vehicles for Americans. They are funded with pre-tax dollars and capital gains in the account are tax-deferred. Withdrawals from an IRA are taxed at ordinary income tax rates as long as the funds are not accessed before age 59 1
A Few Investing Suggestions For Your Children To Secure Their Future
With the increasing cost of items like real estate, automobile insurance and better education, a lot of parents would like to save cash for their kids from a beginning time so they are economically secure ...
How to Be a Thrifty Shopper
The hardest part about thrifty shopping is conditioning yourself to recognize deals and avoid full-price items. There will always be essentials that require you to pay full price at times, but the ability to limit those occasions will result in increased savings and a greater awareness of how sales
Financial Advice for Bad Credit Ratings
Your credit rating tells potential lenders how good your credit is in a single number. Anything below 675 is considered "bad" while anything below 620 falls under the heading "subprime," according to Fox Business News. Once you have discovered that you have bad credit, you will likely want to know w
3 Reasons Why You Need an Online Bank Account Today
The online bank account has progressed along way. There was a time when the interfaces were cumbersome and the benefits were minimal; fortunately this has all changed. The interface for online banking is about as ...
Scholarships for Black Mothers
Scholarships for black mothers are much more numerous than they once were. It is now possible for African American mothers to attend college and get the college degree they are seeking with scholarship money made available specifically to them to do so. In fact, there are numerous sources of aid res
Roth 401(k) Limits
Roth 401(k) plans give employees an alternative method of saving for retirement. Instead of receiving tax breaks for the contributions made to their retirement account and paying taxes on the withdrawals, a Roth 401(k) allows contributions to be made with after-tax dollars, and for the withdrawals t
Shippensburg University Scholarships
Located 40 miles from the state capital of Harrisburg, Shippensburg University is the educational home for approximately 8,300 students, the majority of them hailing from Pennsylvania. It offers 75 undergraduate programs and eight pre-professional programs, along with seven programs in which student
Art Scholarships for Older People
Art scholarships cover a variety of media from drawing and painting in oils and watercolors, to photography, to a wide range of creations fashioned from glass, metals, textiles and other materials. Art scholarships are available to older students through schools of arts and crafts, arts organization
About College Funds
College tuition increases have averaged 7% over the last several years which far outpaces inflation. That has left more students relying on student loans to pay for their education. A college fund can help ease the burden of paying for college.
Is a 403(b) a Roth IRA?
A 403b plan is not a Roth individual retirement account. The Internal revenue Service classifies both accounts as qualified retirement plans, which means they provide tax advantages for retirement savings. However, the accounts differ greatly based on who may participate, how the plans function and
Can You Borrow From a SEP-IRA to Pay for College?
Finding funds to pay for college can be a struggle for many people. If you have money set aside in a SEP-IRA, you may be tempted to borrow some or all of the money to finance your or your child's education. Though you can borrow for college from some types of retirement plans, the IRS does not permi
Discover How To Exchange Paper Money Into Real Gold
Are you saving money right now? You really should be. However, don't save your paper money, save real godl instead. You see, Karatbars has created something 100% unique. Opening an account with Karatbars, is just ...
How to Pay Someone to Clean Up Your Credit
Those who find themselves struggling to make monthly credit card payments may want to consider paying someone to clean up their credit. Credit repair companies offer services that can do just that. The problem is, the Internet is flooded with scam artist companies offering to repair credit. It is i
How to Calculate Interest Accumulation
Interest refers to finance charges imposed on money that you borrow or money that a borrower pays you for the privilege of borrowing your money. Calculating the interest that accumulates helps you plan for how much extra money you will have, if you are being paid interest, or how much extra expense
Can a Caretaker Take Property in a Will as a Beneficiary?
A person who acts as a caretaker is no more and no less entitled to receive property under a will than anyone else. In order to receive property as a beneficiary of a will, the person creating the will must decide to leave the caretaker property. A caretaker gains no automatic right to inherit prope
What Should I Do if I Have Been Notified That Someone Used My Social Security Number to Open Credit?
In 2009 the Federal Trade Commission reported that 26 percent of the 1.2 million complaints it received in 2008 were identity theft complaints. Nearly 20 percent of all identity theft complaints were related to credit card fraud. Social Security numbers are routinely required on credit applications.
Living Will and Custody of Children
People facing terminal illnesses or other end-of-life situations face a number of difficult issues. How will you let your doctors know about your medical wishes if you become unable to express your desires? What happens to your children if you fall ill or die? Both of these questions can be addresse
Taking Social Security vs. IRA Withdrawals
When you become eligible to start taking Social Security benefits along with distributions from your individual retirement arrangements, you will face income planning considerations that deserve serious thought. By carefully planning your use of your IRA and Social Security income streams, you can i