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Personal Finance : Business & Finance
How Do I Go About Getting a GPC or T and S Charge Card?
The GPC Visa card is a purchasing card with no annual fee in the UK through the Office of Government Commerce. It is available to businesses and offered through an agreement between Visa, Buying Solutions and GPC Visa Banks. Over 850,000 Visa merchants in the UK and 22 million in Europe accept the G
How Do I Make a Payment Protection Insurance (PPI) Claim?
An estimated 2.5 million people were mis sold PPI and are entitled to make payment protection insurance claims. £4.5 billion is due to be repaid by banks and credit companies, and you could be entitled ...
Does Your Credit Score Go Up if You Have a Cosigner?
When your credit score is low, lenders might ask you to get a creditworthy co-signer for your loan. The co-signer is a person who signs the loan documents with you as a pledge to pay back the loan if you do not. The lender then gives you the loan based on the co-signer's good credit history. Having
When Does a Spouse Receive Benefits From Your Social Security Disability?
If you're already receiving Social Security Disability, you may wonder what else you can do to supplement your family's living expenses. Social Security Disability is a helpful program, but it probably does not pay the bills as well as your old job did. Fortunately, the Social Security Administratio
Most Affordable Places to Retire in America
Proximity to water is often a requirment for individuals when choosing a retirement location.river image by Bartek Jurkowski from Fotolia.comRetirement is the ultimate goal after working and saving for a lifetime. Several factors are relevant to retirees when choosing the perfect...
Do Employees Who Quit Qualify for Unemployment in Ohio?
In Ohio, the Department of Job and Family Services is the administrative government agency responsible for administering the state's unemployment insurance fund. Eligibility depends on the reasons for unemployment, whether applicants are engaging in active work searches and remain available to accep
How to Check Bank Routing Numbers
Nowadays, banks are allowed to process check payments online because of the Check 21 Act, which was enacted in 2004. You no longer need to write, mail and deposit a physical check; all you have to do is set up what is called an Automated Clearing House (ACH) payment online or over the phone. In orde
Ways Children Can Save the Environment
Telling children how important it is to save the environment can overwhelm them with the enormity of the task. But break it down into small activities and daily habits, and the task can start to feel more manageable. From recycling and cleanup efforts to simple changes in water and energy use, there
How to Save On Your Groceries by Using Coupons
How many times have you been to the grocery store and was shocked by the total amount? This happened to me all the time, until I discovered the joy of clipping coupons. You may not think you have the time or patience to clip coupons but the first time you go grocery shopping and your $100 total is n
9 Magical Keys To Financial Independence
The images of "rich" and "wealth" on the TV screen and magazines consist of smiling faces next to luxury homes, luxury cars, and constant spending. Corporations use advertising to imprint the idea that the key ...
How Much Money Do You Need to Trade FOREX?
Novice traders commonly wonder how much capital is needed to get started in active trading. The foreign exchange (Forex) market, where traders speculate on exchange rates between currencies, offers the possibility of vast rewards if you trade consistently well. But the risks are high and you can qui
South Carolina Student Scholarships for Seniors
A variety of scholarship programs are available to graduating high school seniors in the state of South Carolina. These scholarships come from several different sources including the South Carolina state government, community and civic organizations within the state, professional associations and in
Why Is FDIC Insurance Important to You?
FDIC stands for Federal Deposit Insurance Corporation, which is a government organization that protects deposit accounts held at member banks. The FDIC has protected money against bank failure since 1933.
Difference Between Deductible & Tax Free
U.S. tax laws are complicated, and contain many different ways that income is declared and expenses are deducted from that income to arrive at a taxable income figure. The terms "tax deductible" and "tax free" are thrown about by many people, but these people often do not have a clear understanding
IRA Guide to Withdrawal and Distribution Rules
An Individual Retirement Account, or IRA, has significant tax advantages. Each taxpayer's circumstances can affect how contributions to an IRA are treated for tax purposes. Most taxpayers are able to fully or partially deduct their IRA contributions from their federal income taxes in the year the co
Is Roth Interest Taxable?
Roth IRAs and Roth 401ks are tax-advantaged ways to put aside money for retirement. IRAs are managed by you, while 401ks must be offered through your employer.
How to Handle a Bargaining Table in Buying a New Car
New cars cost thousands of dollars, but the price is negotiable. All new vehicles have a Manufacturers Suggested Retail Price (MSRP) in their windows listing the standard equipment and options and itemizing the costs. The total is known as the "sticker price." Ignore the MSRP, advises Philip Reed, a
How To Improve Your Credit Score Fast
There are no guaranteed ways to improve your credit score fast as far as I am concerned, but what I know is that you should be putting in every effort, whether big or small, on ...
What Are Federal Savings Banks?
A Federal Savings Bank, or FSB, is a financial institution whose charter is approved and regulated by the United States Office of Thrift Supervision, or OTS. To the average consumer, FSB operates exactly like a commercial bank.
How Much Does an RN Start Out Making?
Registered nurses are an integral part of the health care community. The U.S. Department of Labor's Bureau of Labor Statistics (BLS) notes that there are approximately 2.6 million jobs for registered nurses, making it the largest occupation in the health care industry. Registered nurses must complet