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Personal Finance : Business & Finance
How to File for a Living Trust in Connecticut
A living trust enables you to pass on your property to your heirs directly so they will not have to go through probate to claim it. Once you create a living trust, you can transfer your house and other assets into it while continuing to use and control them as you always have. When you die, the trus
Required Minimum Distribution Method IRA
You've made it to age 70 1/2 and are enjoying your IRA funds. Unfortunately, the IRS is ready to enjoy some of your funds, too. By forcing IRA participants over 70 1/2 to remove money every year, the government finally gets the chance to tax these dollars you've sheltered. Rules were simplified seve
Do You Have to Pay Income Taxes on SSD?
The Internal Revenue Service taxes Social Security income if you have other income that exceeds the nontaxable limit. Social Security disability, retirement or survivor benefits are taxable under the same standards, using a calculation the IRS calls combined income. The IRS uses this figure only for
How Does a Civil Judgment Affect My Credit?
A court awards a civil judgment to the plaintiff in a debt collection lawsuit if the plaintiff sufficiently proves its case or if the defendant does not file a response to the lawsuit and does not appear in court. Because the credit bureaus regularly peruse court records, a civil judgment against yo
Federal Educational Grants for Individuals
Some help students with little money pay for a higher education they might not have received. Others recruit people to highly needed career fields or public services. Whatever the cause, federal agencies award millions of dollars in grants to individuals to help pay for their educations.
Good Ways to Rebuild Your Credit
A financial disaster that destroys your credit rating might make you sheepish about using credit again. This is an example of the wrong way to rebuild your financial profile. The best way to rebuild credit involves obtaining a new credit account and avoiding your past mistakes.
Grants or Scholarships for Film School
Many people dream of sitting in the director's chair on a hit movie. Getting there is a competitive, time-consuming and expensive endeavor. It is not as easy to get a film scholarship as it may be in other disciplines, but there are scholarships available to assist the aspiring film-maker realize hi
How Will Buying a Car Affect My Home Loan in Process?
Your home is most likely the largest purchase you will ever make, so ensuring that the home loan goes through smoothly should be a top priority. Purchasing a car in the middle of getting your mortgage approved will change a couple of the factors that lenders consider and could cause the mortgage to
Roth IRA Salary Limits
Investing in a Roth IRA to help save for retirement can be a good choice for many individuals. However, because the IRS sets income limits based on filing status, some high earners may be unable to contribute to a Roth.
Dislocated Employment Grants
Dislocated workers, meaning people who have lost their jobs, face difficulties beyond having to find employment. Losing a job means losing a source of income. That not only places burdens on how to pay for basic necessities, but also on how to cover the costs of training and education that workers m
Tips on Debt Freedom
When you have a significant amount of debt, it can be a very frustrating time in your financial life. While debt can be a large problem, it is not a problem that is insurmountable. By using the proper techniques, you can slowly start to eliminate your debt and become debt-free.
Teacher Average Starting Salary
Teachers play a significant part in the social and intellectual development of children. The United States public and private education system provides a graduated learning environment for youngsters in age-appropriate classes that are typically divided into grades 1 through 12. Prior to attending f
How to Configure the VAT
VAT is the common abbreviation for value added tax, which is added to the net prices of goods and services in many European countries. Mostly, the VAT rate is between 5 and 20 percent, depending on the country and the type of service provided. In almost all European countries, tag prices already inc
Universal Life Insurance in Canada--A Smart Way to Insure Your Life
The world is full of unforeseen incidents and one must be well equipped for a mishap in daily life. Some people have an opinion that life insurance coverage does not have much importance in life ...
Take a Financial Management Course
Everyone is trying to be more economical, more conservative and smart with their money. Even businesses are taking their budget more seriously and reducing things which are not really necessities. Hence as well as others, ...
How to set up an online personal finance program
How would you like to have easy access to any transactions you have made in the last month at your fingertips at all times? For many people online personal finance programs have made this dream ...
Why Do Student Private Loan Borrowers Have High Debt?
As the cost of higher education increases at an exponential rate, the average debt load of a graduate from an undergraduate institution has increased in similar fashion. In addition to increased enrollment, lagging government support for higher education has left a generation of students weighed dow
Net-Effective Interest Rates
A "net effective" interest rate is a mathematical concept. The basic idea is that a yearly rate of interest can be calculated monthly, or in some other increment of time. This means that, at the end of the year, the actual rate is higher than the bank's yearly rate. In effect, this is a hidden rate
I Have Bad Credit: How Can I Fix It?
Bad credit can result from mismanagement of credit cards, bankruptcy, foreclosure or just not having any credit history. Although you cannot do anything to remove accurate negative information from your credit report before seven years have passed, or 10 in the case of bankruptcy, you can fix inaccu
Reasons to Open a Bank Account
Opening a checking or savings account at a bank gives account holders the opportunity to build a financial history and benefit from the convenience and security that an established financial institution provides.