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Personal Finance : Business & Finance
Can a Monthly Annuity Be Rolled Over to a Roth IRA?
Distributions from a monthly annuity can be rolled over to a Roth IRA, subject to current tax laws and regulations.
What Kind of Retirement Plans Are There?
Private pension plans are generally sponsored by employers and typically are qualified under Section 401(a) of the Internal Revenue Code. This means that the plan must meet certain specified requirements by the Internal Revenue Service. There are two types of qualified plans: defined contribution
How to Identify Your Mortgage Holder
There are myriad mortgage providers and servicers in the United States. Since the late 1990s, the mortgage market has evolved into a new, investment-rich animal. Mortgages are sold to investment banks, where they're chopped into pieces, bundled into financial instruments, and sold to other investors
Can You Get a Pell Grant After Your Bachelor's?
You may qualify for thousands of dollars in grant money to attend college under the popular Pell Grant program. The Pell Grant came out in 1972--a part of the welfare reform movement in the 1970s and late 1960s. Although the Pell Grant exists mainly to help low-income students achieve an undergradua
How Does FAFSA Count Income if a Student Works Full-Time?
When applying for federal student aid, you will need to report your income for the previous tax year on the Free Application for Federal Student Aid (FAFSA), as well as your parents' income if you are applying for a Pell Grant as a dependent. If this is your first year working full-time and you did
What Does It Mean to Balance the Budget?
A balanced budget is when the income and expenditures in the budget are equal. Think about a balancing scale. To balance it, both sides of the scale need to weigh the same. The same is true about a balanced budget. When you balance your budget, you are not spending more money than you make.
Basics of the Bond Markets
The markets, no matter if you consider only those based in the USA or worldwide, don't act as purely separate entities. The belief that one market is a separate being that's never affected by developments ...
Grants for Houses in New Jersey
There are several different grants available in the state of New Jersey for prospective and current homeowners.house image by Cora Reed from Fotolia.comResidents of the state of New Jersey have a variety of grants that are available to help them purchase homes. Grants are available for a...
Salary Scale for Veterinary Nurses
Veterinary technologists and technicians "perform many of the same duties for a veterinarian that a nurse would follow for a physician," according to the Bureau of Labor Statistics. This position includes conducting clinical work in a veterinary office such as laboratory tests, dental care and recor
How to Open a Child's Account at ICICI Bank
Many parents choose to start a savings account for their children as a way of helping them learn how to manage money throughout their early years and become personally involved in and responsible for their own finances. ICICI bank offers Young Stars accounts to allow parents to open a Kid's Savings
How to Sell a Roth IRA
A Roth IRA account cannot be sold itself, but the securities within can be liquidated or transferred. Once you have moved the securities out of your account, you can close your Roth IRA and consider it "sold." There are three main ways to close out your Roth IRA account, and each one accomplishes a
Scholarships for African American MBA Students
The comprehensive costs of one year of a Master of Business Administration program can easily top $50,000 even at public universities, according to the Yale University website. Most students rely on some form of financial aid to help them cover the costs of their MBA. Scholarships targeted at underr
How to Calculate Diluted EPS
EPS stands for earnings per share, which is a financial metric used by investors to assess the value of the company. The diluted earnings per share includes convertible securities in calculating how many dollars a company has in profits per share. Diluted EPS is used instead of EPS because when conv
Information on Private Health Insurance in Australia
The ongoing discussion on healthcare on the US delivered a chilling effect on the modern world dilemma as nations realized their own health systems. In the Land Down Under, for example, many all of a ...
New York State Welfare Laws
In 1996, the federal government reformed welfare laws across the United States to encourage recipients to become self-supporting. Welfare recipients now had to work after a certain period of time or lose their welfare benefits, and recipients could only receive welfare for a limited period of time r
How Long to Receive the Balance of a Tax Offset?
If you pay more taxes during the year than you owe, the Internal Revenue Service refunds you your overpayment. However, if you owe back taxes to the IRS or owe money to other federal or state agencies such as student loan providers or child support enforcement authorities, the Department of the Trea
Hidden Ways Banks Make Money From Customers
When it comes to making money, banks are usually up there with the best. Of course it does sometimes go wrong and they need bailing out to the tune of billions of dollars. But, while ...
Excess Contribution to a Traditional IRA
A traditional individual retirement account, or IRA, is a savings vehicle. Account holders deposit tax-free money into their accounts, and they can withdraw the money and its appreciation free of penalty once they reach age 59 1/2, paying income tax on the withdrawal. However, the U.S. government se
How to Get Out of a Payday Loan Without Getting in Trouble
Some cash-strapped consumers take out payday loans to cover bills or unexpected expenses, but the long-term costs are usually higher than they can afford. Payday loans are short-term loans that customers secure through personal checks that must be repaid in full on the borrower's next payday. Becaus