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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What Are Some Organizations to Help Low-Income Families With Car Repairs?

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All cars need repairs at some point and some repairs can be quite costly. Families with low incomes may have difficulty just paying for regular maintenance on their cars, which means they may need repairs sooner than most. Of course, they may then have trouble paying for the repairs they need. Witho

How to Learn Bank Reconciliation

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Although many people panic at the thought of learning bank reconciliation, it really is not very hard to do. All you need is the basic ability to add and subtract. With a little practice, you can learn bank reconciliation and be able to make sure that your bank account is showing the amount that it

Will Forbearance Status Affect My Credit Score?

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Forbearance -- whether on a mortgage, student loan or other financial obligation -- provides temporary financial relief for those who are unable to make payments on their loans due to unforeseen circumstances. Under forbearance, your lender agrees to halt collection of payment for a specified amoun

Does a Person's Retirement Income Affect Their Social Security Benefits?

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One of the benefits of getting older is Social Security and senior discounts. Of course, it doesn't offset the wrinkles and gray hair but it at least offsets a few of the negatives. There's a lot of confusion about earned income and Social Security benefits that can cause early retirees, those that

How to Find Properties for Money

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Real estate is defined as property such as empty lots, houses and apartments. Many Americans invest in real estate during their lifetimes. A significant percentage will also choose to make additional real estate investments. Speculation in real estate can have many benefits, including tax advantages

ING Hardship Withdrawal Rules

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An individual retirement arrangement (IRA) is a retirement savings product offered by ING Direct (ING), a global financial institution. ING is one of many financial institutions that offers both traditional and Roth IRAs. IRAs are different from a 401(k) plan or other tax-qualified retirement saving

Can You Roll Over an IRA Into an Annuity?

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Rolling an IRA into an annuity is an entirely feasible investment transaction, allowed by investment firms and the IRS. Tax advisers and regulatory authorities do look closely at why an investor would do such a transaction since you are moving a tax-deferred asset into another tax-deferred asset tha

How Are IRA Distributions Taxed?

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How IRA distributions are taxed depends on the type of individual retirement account, or "IRA," you have, and when the money is taken out of the account, or "distributed." If you take non-qualified distributions before approaching retirement age, you may be required to pay additional penalties.

IRA Vs. Qualified Plan

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The Employee Retirement Income Security Act of 1974 established guidelines for employer-sponsored qualified retirement plans and individual retirement accounts. Roth IRAs were introduced in 1998. The IRS regulates IRAs and employer-sponsored plans. The government's goal is to promote retirement savi

The Power of Grant Money

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Grant money is at the heart of many non-profit organizations and local municipal departments. These organizations spend a great deal of time and effort identifying grant opportunities and assembling applications that describe their need and plans for the funds. Both the groups that receive grant mon

About Making Money Online

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Making money online is a great way to earn some extra income. Depending on your goals and the time you are willing to invest, it can eventually turn into a full-time source of income. On the other hand, scams abound, so it's important to be in the lookout for red flags.

How Long Until Debt Clears?

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Debt is seldom a good thing, because it reduces the amount of disposable income you have for financial emergencies and makes you less financially stable. However, proper debt management, along with state regulations, usually help your debt clear. How long it takes for this to happen varies according

IRS Traditional IRA Regulations

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Traditional IRAs offer tax-deferred savings.tax forms image by Chad McDermott from Fotolia.comTraditional IRAs were passed into law in 1974 to provide people who did not have an opportunity to use a tax-advantaged retirement savings plan through their employer. As of 2010, anyone can...

How to Change an Address with the IRS

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If you or your business recently moved, you will need to notify the Internal Revenue Service (IRS) so you continue to receive important information, communications or documents. This is especially true of you are expecting a tax refund or tax return dispute determination.

How to Save Money on Household Goods

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The key to saving money on household goods such as linen, furniture and kitchenware is by taking care of what you have, which extends the life of the goods. While not all of your home needs to be furnished with high-end goods, having a handful of unique pieces gives your home personality. Such piece

How to Apply for Social Security Disability in Texas

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If you live in Texas and you're unable to work due to a disabling medical problem, you may apply for disability benefits with the Social Security Administration (SSA). The SSA administers a program called Social Security Disability Insurance (SSDI) where if you meet certain medical and work requirem