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Personal Finance : Business & Finance
NO MANDATORY IRA WITHDRAWALS IN 2009
You don't have to take RMDs from your traditional IRA this year. On December 23, President Bush signed the Worker, Retiree, and Employer Recovery Act of 2008 into law, suspending all Required Minimum Distributions (RMDs) ...
Money Market Historical Data
Not all investments are exciting, interesting vehicles to research, invest in and watch over. Yet the slow but steady incremental increase in a money market fund is considered safe and reliable. Money market funds, offered by mutual fund companies, hold short-term debt instruments and are not insure
How Does Car Refinancing Work?
A car refinancing can lower your interest rate, reduce or increase your payment period and decrease your payments. When a car is refinanced, the original loan is paid off by your new lender, and the lender then establishes a loan agreement with you.
How to Reduce My Bills
Mounting bills are the main source of constant anxiety and restricted financial freedom for many people. However, although few may realize when it comes to various types of bills, there is always room for negotiation and reduction. Sometimes, simply asking for a deal or taking the time to make wiser
A Step by step guide to choose a right mutual fund scheme
€Models work when they are appropriate for the particular circumstance, but some of the best investment judgments over time have come when people recognized that models derived in other periods were broken or not directly ...
Personal Financial Statement Requirements
financial report image by PaulPaladin from Fotolia.comWhen applying for a loan, banks often request that applicants provide a personal financial statement. Loan officers use this financial statement along with a credit application to assess the borrower's credit worthiness. A personal...
The K.C. Mahindra Scholarships for Post-Graduate Studies
The K.C. Mahindra Education Trust was founded in 1953 with the aim of promoting higher learning and literacy in India. As part of that mission, the trust offers K.C. Mahindra Scholarships for Post-Graduate Studies Abroad to assist students who wish to attain a degree at an international institution.
How to Avoid a Personal PayPal Fee
PayPal is an online payment and money transfer service which gained popularity as eBay's preferred payment method. PayPal's services include sending and receiving money, transferring money to and from bank accounts and paying for online purchases with thousands of participating merchants. Sending mo
Things to Help With Accounting
Monitor your money movement.Paying Bills image by ne_fall_photos from Fotolia.comEven if you have not taken an advanced college course on finance, you probably already use general accounting principles to manage your money. If you have balanced a checkbook or verified your on-line bank...
About Credit Reporting Agencies & Identity Alert
Credit history, credit bureaus and credit reporting are multibillion-dollar industries. Whenever someone applies for credit, he agrees that the information on the application, the decision concerning the credit and the history of the credit line are all subject to recording with various credit agenc
How to Fix Negative Credit
Getting a handle on your negative credit history can serve to your advantage in the long run. Being able to walk into a mortgage lender's office or auto dealership and get the best rate and deal on financing comes with a good credit history. Bad credit habits often develop due to inexperience. But e
The Healthy Retirement Conundrum
Everybody wants to live a long and happy life. The same holds true for a healthy and comfortable retirement--everybody pretty much wants that too. But the conundrum here is that having one can make the ...
How to Roll Over a 401k to a Roth IRA
Converting your 401k to a Roth IRA sounds like an attractive option to withdraw earnings on a tax-free basis in the future. However, when you convert the funds, you will owe income taxes on the amount you convert. Since the converted amount will be treated as a distribution for income tax purposes b
How to Close a Fidelity 401k
Fidelity 401k plans are designed to help you save toward retirement. There are many reasons why someone may want to close a Fidelity 401k account, including changing employers, retiring or needing to access funds for debt or financial hardship. Depending on your age and the reason for closing the ac
Pennsylvania Welfare & Food Stamps
The programs commonly called welfare and food stamps are meant to help needy families and individuals during financially shaky times. Welfare, officially named the Temporary Assistance to Needy Families, provides cash assistance and food stamps; the Supplemental Nutrition Assistance Program allots b
FAQ: Food Stamps in Georgia
Georgia offers food stamps statewide to qualifying households (which can be individuals, couples, friends or families). Food stamps can be used to buy most food items in a grocery store. Households can apply by filling out a state application and returning it to a human services office.
How to Get Discount Tickets to the Baltimore Aquarium
Discount tickets to the Baltimore Aquarium are necessary if you want to save a lot of money on your trip. A single adult ticket typically costs around $25, and that is with no extra shows. If you have a family of four, the bill can quickly exceed $100. It's your job to save yourself some money, and
Outplacement Services for All Through Credible Service Providers
Most of the organizational restructures are the commonplace in business world further resulting in the need for the outplacement services that support those who are affected by these frequent changes. The outplacement services besides supporting ...
How to Transfer an RRSP Loan to a Tax Free Account
Two federally regulated tax-advantaged investment programs are available for Canadians. The registered retirement savings plan allows you to make a tax-deductible contribution to a savings plan with tax-free interest. Any withdrawals you make are taxable. The tax-free savings account allows you to m