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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The Time Limit to Settle a Living Trust

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A living trust is a private agreement that's largely controlled and administered without the involvement of the court system. It can either be revocable --- meaning it can be revoked or modified once created --- or irrevocable --- meaning it can't be revoked or modified once it's created. State prob

Grants & Scholarships for Summer School Undergrad Programs

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Scholarships and grants pay for some or all of your college education. Many of the grant and scholarships programs only pay for three semesters. Most college students usually take the summer semester off to visit home, get a job or an internship or just to unwind before the following fall semester.

How to Activate a Visa Check Card

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Visa check cards are basically debit cards that allow you to purchase merchandise anywhere Visa credit cards are accepted. They are linked directly to your checking account, and money is deducted every time you use it at an ATM or make a purchase. First, a new Visa check card has to be activated. Th

How to Distribute a Decedent's IRA

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The complex rules attached to Individual Retirement Accounts (IRAs) continue after an account owner dies. Depending on whether the beneficiary is a spouse, a non-spouse individual, or a trust, the distribution must be handled differently. Additionally, the rules for beneficiaries change based on whe

Bad Credit Loans

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Bad credit loans are specifically designed for those who have a poor credit history. People in this situation may have been turned down for finance repeatedly by high street banks and other lending companies. In ...

How To Get Started On a Buget

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We all know about budgets, right? Everyone says, get on a budget, get on a budget. But sometimes it just doesn't seem that simple. We know businesses are on a budget, individual families are on ...

How to Find Out the Balance of My Student Loan

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Many college students take out loans to pay for their tuition, fees and textbooks. Student loan balances have a way of creeping up, especially if you do not keep track of them. Keeping track can be complex unless you have Stafford, Perkins or PLUS student loans. With them, it is quick and easy to fi

What Is My Credit Score For?

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Creditors make their money from fees applied to borrowers' accounts. Consumers with high credit scores generally pay less to borrow money, as they are considered low-risk customers. Credit scores are complex calculations derived from information included in your credit report. Your credit score is u

The Dissipation of Marital Assets in Maryland

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The marital home, car, joint bank accounts and investment properties and other assets owned or acquired during a marriage must be properly divided when spouses divorce. Maryland is an equitable distribution state. A 50/50 split is generally considered fair, but a distribution is not always equal. Ti

Eligibility for Food Stamps in Virginia

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Eligibility for the Virginia food stamp program is met through passing several economic tests, which combine to demonstrate an applicant's financial need for the assistance.The Virginia food program, called SNAP (Supplemental Nutrition Assistance Program), can be applied for

Housing Grants Fom HUD Housing

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The United States Department of Housing and Urban Development (HUD) provides housing grants to low-income families and local governments. These grants help to pay rent, purchase a house and construct affordable housing. The programs are designed to ensure low-income families have access to safe and

When Can You Take Money Out of an IRA?

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The economy is down, and suddenly you need money. You can take money out of your IRA before retirement age, but you will have to pay penalties and taxes for early withdrawal. Those penalties and taxes depend on the type of IRA, the amount you want to withdraw and the amount of time you have had the

How to Transfer Money From Singapore to the USA

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Transferring money to other parts of the world has become easier than it used to be several years ago. Now, you can transfer your funds to another country with just a few clicks. To transfer money from Singapore to the United States, there are three main money-transferring services that you can use:

How to Manage Your Money

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Money alone may not bring happiness, but if you're honest with yourself, you have to acknowledge that important values such as freedom, independence and security can be bought in large part with money. Money does ...

How to Write a Check by Phone

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Technology makes paying your bills convenient and simple. Many creditors accept payments over the phone or through a website. Your bank may also offer online checking services, which allow you to write a check by entering information on the bank's website. You can also make a payment by check over t

Social Security Survivior's Benefits

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The Social Security Administration (SSA) replaces some of the income families lose when an earner dies. These cash benefits are available to spouses who are age 50 or older or, who are caring for children under age 16 or permanently disabled at any age. Children of deceased workers can...

Wrong Credit Report Information

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Because your credit score is based on the information in your credit report, negative entries can hurt your credit score. Mistakes sometimes occur, and some errors can be serious enough for a lender to deny you credit. Under the Fair Credit Reporting Act, creditors have a responsibility to make cert