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Personal Finance : Business & Finance
How to Garnish a Trust
Garnishing a trust refers to taking funds owed to you by one or more parties involved in a trust directly from trust assets. You must have a legal court order and writ of garnishment to access the funds in the account. Garnishing a trust is not automatic. Your ability to attach a writ of garnishment
Grants for Building New Homes
The federal government offers different types of housing assistance.seaside homes image by Shirley Hirst from Fotolia.comThe federal government offers different types of housing and home improvement opportunities to its citizens. Likewise, the federal government also provides new home...
Retirement Benefit Rules
Retirement plans help you save much-needed money so that you don't retire destitute. You sock away money for your future into special tax-deferred retirement accounts. These accounts eliminate all tax on the buildup of money inside of the account. But these accounts also have strict rules concerning
Rules for 529 Plans
Tax advantages are a benefit of 529 college saving plans.Books image by lofik from Fotolia.comSaving for college can be stressful and complex. With so little money to go around in many families with children, it can seem impossible to save enough money so that each child can attend...
Tips to Help Families Keep More of Their Money
Even though many families try everything they can in order to save money, it's likely they are not taking the right actions to keep more cash in their bank account. Rather than attempting to guess ...
Why Does the Executor of a Will Need a W-9 From Me?
A W-9 form is simply a request for taxpayer information. This form is usually used to gather information that is later entered in some variant of the Internal Revenue Service Form 1099, which reports non-employee income. Even if your inheritance is not taxable, the executor may request that you fill
Can I Work & Receive Spousal Benefits If I'm Under Full Retirement Age for Social Security?
Spousal benefits for Social Security allow a spouse to collect Social Security based on the work history of the other spouse. You may collect spousal benefits as early as age 62. You may also continue to work, but Social Security penalties apply to earned income over an annual limit during early ret
9 Simple Ideas to Get Into the Savings Habit
Numerous people find it tough to conserve, even when they have lowered spending and got their expenses under control. Nevertheless, for some reason by the end of the week, the cash just appears to have ...
Who Qualifies for a Roth IRA?
In 1997 the Taxpayer Relief Act introduced a new type of retirement savings account that would provide new incentives for individuals to save called a Roth IRA. The Roth IRA allows individuals to make contributions to an account where the money can grow tax free until retirement when it can be withd
What Is a Security Freeze?
Each year in the United States there are more than 8 million new victims of identity theft. Many of these victims find themselves repairing credit that they did not damage. A security freeze allows consumers to "freeze" access to their credit file so that anyone attempting to fraudulently open accou
Do Credit Cards Have PIN Numbers?
If you have a credit card account, the three most common ways to access the funds are by processing a charge (whether online or offline), calling the creditor to request a balance transfer to another account or writing a check against the credit account. One other option to explore is whether credit
Can I Invest All Year-Round Into My Roth IRA?
Roth IRAs are an alternative to traditional Individual Retirement Accounts. They could be used as part of your retirement planning strategy. They are also useful for tax planning.
Identity Fraud Safety
Your identity is valuable, especially if you've worked hard to build up a good financial history. The Federal Trade Commission (FTC) warns that you could be one of the 9 million Americans who have their identities stolen every year. Criminals have many ways to do this, so you must always be on guard
Assistance for First-Time Homeowners
Many people do not realize that the U.S. Department of Housing and Urban Development (HUD) defines a first-time homebuyer as a person who has not had an ownership interest in a home three years prior to closing on a property. That means that there is more assistance available in the form of grants
What Are Some of the Characteristics of a Typical Budget?
"Many households with total income of $50,000 or less are spending more than they bring in," reports CNN. This fact illustrates that many American households do not budget their money properly. A budget is a tool that allows you to track your personal finances and match your income to your expenses.
How to Cash in a SEP IRA
Cashing in your Simplified Employee Pension Individual Retirement Account, or SEP-IRA, is procedurally simple, and usually little different from cashing in any regular taxable investment account. However, there are a number of penalties and taxes associated with withdrawals from a SEP-IRA that are d
What Does FICA on Paychecks Mean?
FICA stands for Federal Insurance Contributions Act. By federal law, every employers is required to withhold a certain portion of an employee's wages and send them quarterly to the Internal Revenue Service that will, in turn, put them into a government trust fund for your retirement and health insur
Arkansas Nursing Home Regulations
A collection of laws and regulations protect patients of Arkansas nursing homes.elderly lady image by pixelcarpenter from Fotolia.comArkansas nursing homes must adhere to a state-mandated patient's bill of rights ensuring and protecting the human rights of every individual in residence....
How to Predict Future Inflation Rates
How to Predict Future Inflation Rates. Being able to predict the inflation rate of coming years not only gives you an important financial decision making edge but also can protect you from bad financial decisions that spell trouble down the line.