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Personal Finance : Business & Finance
How to Afford Extra College Living Expenses
Going to college has more costs associated with it than simply class tuition. Students must pay for room and board, transportation, books, class materials, living expenses and even entertainment. While undertaking college classes may cost ...
How to Recover Insufficient Funds Checks
When a check is written and there are no funds in the bank account to cover the check, it's returned because of insufficient funds. Many institutions will put the check through again, in a couple of days, in an effort to collect the funds due. The check can still be returned a second time, in which
How to Increase the Rate of a CD
A certificate of deposit, or CD, is an account held at a bank, credit union or other similar institution with a fixed term that earns interest over time. Generally, a CD can only be redeemed by the issuing bank and cannot be sold to other parties. All CDs have a maturity date, the date on which the
How to Freeze Your Credit Report in New York
In the state of New York, residents may place a free security freeze on all three of their credit reports with the three major credit-reporting bureaus (Experian, Equifax and TransUnion) if they were the victim of identity theft or domestic abuse. Non-victims of identity theft may also place a singl
How to Request a Social Security Number
After you have given birth to a new baby, you will want to apply for a Social Security card for the baby. This is important as you will need the number for your insurance, and to fill out your taxes. Applying for a Social Security card is free, and the paperwork is minimal. You will need to submit y
Does a Hope Scholarship Pay for Summer Classes?
The Helping Outstanding Pupils Educationally (HOPE) Scholarship is a merit-based program for higher education in Georgia. The Hope Scholarship Program awards a set amount of money toward a recipient's classes, regardless of what semester courses are taken. The scholarship therefore pays for summer c
Trading Stocks and Taking Profits Online
Investors seeking a safe method of building wealth through involvement in stock market trading should pick stocks of companies that are known for their consistent performance. In this case, analysis is required not just of ...
How to Contribute to Both a Traditional IRA & a SIMPLE IRA
The Individual Retirement Arrangement, or IRA, was first introduced in 1974 as a way to encourage workers to save for retirement. As of 2010, you can deduct up to $5,000 in contributions to a traditional IRA, and an additional $1,000 if you are over age 50. SIMPLE IRA plans are workplace plans for s
How Long Does a Closed Account Remain on a Credit Report?
Closed credit accounts may be forgotten by their former owners once the bill is paid in full, but they are not forgotten by the credit bureaus. Credit cards, loans and other account types show up on credit reports for many years. The exact time frame depends on whether they were paid on time or clos
How to Figure Child Support in Alabama
Child support is an issue that causes many disputes between parents. In Alabama, guidelines used to determine child support are set in Rule 32 of the Alabama Rules of Judicial Procedure. Although the guidelines are specific, each case is unique. Different factors influence that amount of child suppo
What I Can Do With a Roth IRA?
Roth IRAs are accounts that provide tax-free income in retirement. While there is no up-front tax deduction for contributions made into a Roth IRA, the benefit of withdrawing the money without owing income tax on it can far outweigh the loss of a tax deduction. Because taxes have already been paid o
Is it Illegal to Post Date a Check?
A lot of financial institutions, in particular collection agencies and in-house collection departments, will ask you to send in a postdated check. This helps the institution receive early confirmation that you will make your payment as agreed. You have to be careful when sending in postdated checks.
Government Employee Retirement Plan
The Federal Employees Retirement System governs the retirement plans and benefits of a variety of government workers, from police officers to members of the U.S. Congress. The retirement benefits with this system vary depending on how long workers are employed by the government and how much employee
Good Credit Score Tips
Your credit score, as calculated by Experian, Transunion and Equifax, determines the interest rate at which you can borrow money. A high credit score can save you tens of thousands, or hundreds of thousands, over the course of a lifetime.
How to Transfer IRA Funds to a Beneficiary
Transferring the assets in an individual retirement account (IRA) to a beneficiary is a legal process that must conform with Internal Revenue Service regulations. Specific differences exist depending on the relationship of the heirs to the decedent, and on the status of the account in terms of requi
Utah Income Guidelines for Food Stamps
The Utah food stamps program enables needy families to purchase food when they cannot afford it. With funds provided by the U.S. government, the food stamps program provides recipients with a debit card to use at the grocery store. The 2009 stimulus package raised the potential amount of monthly ben
How to Play Roblox on Your iPhone
Roblox is an online multi-player game that allows you to share and interact with other players in 3D gameplay worlds. You can engage in combat, explore, and create new environments for your character within the game. While the full range of gameplay features are limited to the Roblox browser, Roblox
How to Find Out if Your License Is Suspended in South Carolina
In South Carolina, a license can be suspended for driving under the influence, driving while suspended, operating uninsured, failing to maintain SR-22 insurance if required or for failing to pay a traffic ticket. Whatever the reason for your suspension, it is important that you do not drive while su
Budget Holiday Tips
Travel broadens the mind and enlivens the soul. Unfortunately, that long-awaited holiday can also lighten the wallet. To make sure you have enough money to see the sights, plan carefully and be as flexible as possible. With the right planning, you can enjoy a wonderful holiday without breaking yo
How to Get New Checks
Though technology has made it possible to pay many bills and debts online, there are still numerous occasions when you need to write a check. If you have just opened a new checking account or you ran out of checks for your existing account, you can place a new order through your financial institutio