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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Does Temporary Employment Count for Unemployment?

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State unemployment insurance laws generally require employers to pay premiums into a trust fund reserved for unemployment claims. When an employee loses his job, and is otherwise eligible for benefits, he files a claim with the employer and the unemployment insurance division. The benefit amount dep

How to Pay Taxes on Social Security Retirement Income

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According to the Social Security Administration, retirees receiving income from sources in addition to Social Security benefits may have to pay taxes on these benefits. A retiree can have taxes withheld from their monthly Social Security benefits or make quarterly estimated tax payments to the Inter

How to Make a Payment to Chase

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Chase offers a variety of financial services to its customers, including credit cards, home loans and personal and business banking. Every Chase customer is given the option of enrolling in Chase's online services by logging on to the Chase website and creating a username and password. Online servic

Can You Afford NOT To Clip Grocery Shopping Coupons

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Food is getting more expensive each year. Consumers often use grocery shopping coupons as a way to save money on groceries. There are also people who don't like to clip coupons because it is a ...

Does Cosigning a Loan Affect Debt to Income?

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The possible consequences of cosigning a loan for someone are worth considering before signing your name. Some people hastily cosign a mortgage, auto loan or other type of loan without weighing the pros and cons. By cosigning, you voluntarily increase your debt-to-income ratio, which can make it mor

How to Finance a Used Car

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You can finance a used car, although vehicle mileage and age may affect your loan approval. Because of lending requirements, you may have to shop for a car that meets bank guidelines. Before applying for a used-car loan, consider which information the bank uses to determine whether to approve you an

Hospital Interview Process

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If you want to work for a hospital, you must apply for a job there just like you do for any job. Most potential hospital staff submit a longer and more detailed resume called a "curriculum vitae." They also may have to visit the hospital prior to their first interview or return for several interview

Is There a Way to Improve a Bad Credit Score?

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Having a bad credit score can have a number of consequences, such as higher interest rates on credit cards and the inability to secure financing for a mortgage or automobile. Fortunately, it's possible to improve a bad credit rating over time.

How to Keep a Medical Visit Mileage Log for the IRS

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Each year when you file your income taxes, you have a choice of itemizing your expenses that you have incurred during the year. When you itemize your expenses, it will reduce the amount of your taxable income, which improves the likelihood that you will not owe additional taxes. The government allo

How to Leave a Roth IRA for a Grandson's Education

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A Roth IRA is designed to provide tax-free retirement income. However, considerable assets may remain in the IRA when the owner dies, passing the money on to the designated beneficiary. Most states require a surviving spouse to be the beneficiary. If you want to leave the money to a grandson for his

Personal Money Saving Ideas

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Frugal practices help save money.icon,dollar, $, currency, us dollar image by creative from Fotolia.comSaving money is critical to any long-term personal financial plan. Money can be saved to make larger purchases like a car, fund a college savings plan, prepare for a comfortable...

How to Have Your Automatic Deposit Transferred to Another Bank

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Automatic deposits, which are made possible through the Automated Clearing House (ACH) network, is a method of depositing funds into, or out of, your bank account without having to physically go to your bank to deposit funds. This saves you time and the cost of traveling to and from the bank. It als

How to Make Money From Home Selling Insurance

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Selling insurance from home can be convenient and rewarding. The attraction of working at home as an insurance salesperson could certainly be from the opportunity to make money while wearing your pajamas. Selling insurance can provide you with the satisfaction of knowing that you help individuals a

How to Make Money at Home by Mail

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In order to make money at home by mail, you need a product to sell. That doesn't mean you have to actually build or design something. There are thousands of companies that offer their products for resale. Many even offer printed sales materials that you can mail to potential customers. The only secr

The Parameters of the Coming Dollar Collapse

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Hyperinflation is a dynamic process - much like a positive feedback loop that, once entered, is almost impossible to exit. The process can go on for years. In the feedback cycle, the more central banks ...

How to Calculate Tangible Asset Value

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A company's tangible asset value, also known as net tangible assets or book value, represents the total value of all physical assets such as buildings, machinery and inventory. It is calculated easily provided that you have the company's financial information in the form of a balance sheet.

How to Find the Best Prices on Perfume

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Fine perfumes can cost more per ounce than nearly any other substance in the world. Finding a bargain on perfume lets you wear lovely scents that would usually be beyond your pocketbook. There are some tricks that will help you find the best prices on your favorite perfume so that you never have to