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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Are Savings Account Rates Compounded Daily or Monthly?

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In the era before computers became widely available, banks and credit unions usually calculated interest on savings accounts on a quarterly basis. With the advent of inexpensive data processing, computing interest became a simple matter. Today's savings accounts feature monthly or daily compounding.

What Are the Characteristics of a Commercial Bank?

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Commercial banks manage financial transactions for individuals and businesses.money money image by Valentin Mosichev from Fotolia.comCommercial banks are financial entities that accept deposits and provide loans for individuals and businesses. The term "commercial bank" came into common...

Purdue Music Grants

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Purdue University in West Lafayette, Indiana, a member of the prestigious Big Ten Conference, offers undergraduate and graduate programs in music as well as extracurricular band and orchestra groups. Scholarships and grants are available for financially needy as well as academically meritorious stud

What Is the Quickest Way to Raise My FICO Score by 40 Points?

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If you need to raise your FICO score by 40 points to obtain a better loan rate or to qualify for a certain loan product, take the necessary steps to quickly boost score. Your FICO (Fair Isaac Corporation Scoring Model) score represents your debts, assets, investments and judgments against you. A sc

Approved Vs. Denied Social Security Disability Cases

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Applying for Social Security disability is your right if you have paid in to the system through payroll taxes and have an illness or injury that prevents you from working. But the process takes time, and not everyone who files for disability manages to win their claim. Crucial differences exist betw

Surrendering a Certificate of Deposit

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A certificate of deposit (CD) is a type of savings account designed for large sums of money kept over moderate periods of time. Like a high-yield savings account, CDs often have minimum amounts required for account opening. They frequently offer better interest rates as well, although unlike money m

The Purpose of an Irrevocable Trust

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When you establish an irrevocable trust, you create a legal entity that assumes ownership of some or all of your assets. Irrevocable trusts are typically created to pass assets to estate beneficiaries without going through probate. Additionally, an irrevocable trust has its own tax identification nu

Can I Repair My Credit by Myself or Is it Better to Use a Credit Repair Service?

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The information in your credit report helps determine your credit score. Your credit score and report are then reviewed by lenders when evaluating you for credit. Negative information or a low score can either prevent you from obtaining credit you desire or an cause you to pay a higher interest rate

How to Improve or Fix Credit Report FREE

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Looking for ways to improve your credit report or increase your credit score, but have no money to do it? No problem! You can start fixing your credit TODAY without spending a dime!

About Establishing Credit

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These days it is important to establish credit and to keep it good standing. Whether you are looking to buy a house, a car or really make any major purchase, you will need to have established credit. Having established credit can be a major benefit enabling you to get better interest rates on

Improve Your Finances With These Essential Tips

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Personal financial circumstances can often be the cause of great worry and concern. A lot of people can keep their money in order, some cannot. In spite of the reality that some people are naturally ...

How to Find a Qualified Accountant

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Managing the finances of your family and your business is a complicated task and getting qualified, reliable advice and guidance is a must. When searching for a qualified accountant, you should look for someone with the Certified Public Accountant (CPA) designation. CPAs are registered with the Amer

How to Get a Better Foreign Exchange Rate

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Banks have exorbitant prices on foreign money exchange. This calls for alternatives that offer same services at reasonable pricing. Depending on what you want to do with the money and the current exchange rates, you ...

Who Qualifies for EBT Food Cards?

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The Supplemental Nutrition Assistance Program (SNAP - formerly the federal Food Stamp Program) is one of the most utilized social welfare programs in the United States. The United States Department of Agriculture reports that 40.3 million Americans relied on SNAP in fiscal year 2010. Recipients purc

Does a Roth 401K Count As a Holding Period for a Roth IRA?

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The Roth IRA came into effect through the Taxpayer Relief Act of 1997, changing the way consumers save for retirement. Qualified IRA owners can contribute to the Roth and earn tax-free income for retirement. But to get the tax-free income, the IRA owner needs to hold the IRA for at least five years

Money Wiring Instructions

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Wiring money--or transferring money from one bank account to another--is one of the fastest and most secure ways to send or receive money. There are a few options for you to wire money. You can visit your financial institution in person and fill out a form to complete the transaction; you can telep

Filing for Social Security Benefits

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The Social Security benefits program came into existence in 1935 with the passing of the Social Security Act. The program is designed to provide a means of financial support for senior citizens who've reached retirement age. Filing for Social Security benefits involves knowing when is the best time