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Personal Finance : Business & Finance
Tax Advantaged Long-Term Care Insurance Overlooked By Employees
The majority of employees with Health Savings Accounts (HSAs) are not aware of the ability to use funds to purchase long-term care insurance a new study finds. Just under one-third (31%) of respondents to a ...
How Many Weeks Do You Have to Work to Be Eligible for Unemployment?
State unemployment compensation programs require you to retain an attachment to the labor market as a condition of receiving benefits. One way of gauging your connection to the labor force is to assess your recent employment history. If you have worked sparingly, or have been out of work a while, yo
What Does Available Balance Mean on My Checking Account?
When looking at a bank statement or an account balance at a cash machine, two amounts often pop up: the bank, or ledger, balance, and the available balance. While these numbers often match, other times they're completely different, with the available balance lower than the ledger and vice versa. In
Ways to Restrict Identity Theft
Identity theft is common in America.credit card image by jimcox40 from Fotolia.comIdentity theft is a common crime in America. According to a 2009 article in the New York Times, about 9 million Americans are victims of some sort of identity theft every year. Identity theft occurs when...
Legality of Credit Reporting Agencies
Under the Fair Credit Reporting Act (FCRA), credit reporting agencies are legal in the United States but must follow specific laws, according to the Federal Trade Commission (FTC). Even if you did not pay a debt such as a credit card bill as promised, credit reporting agencies must follow the applic
A Comprehensive Guide to Zecco Review for New and Trained Traders
Do you wish to hire the best forex trader in the currency market? Are you wondering how you can hire? It is very simple. Just follow the Zecco review, which will help you gain mastery ...
How to Get Rich by Investing in CDs
When interest rates are low and inflation is high, becoming wealthy by investing in certificates of deposit (CDs) can take a while. However, the chief advantage of this method of investment is that it's almost risk-free and foolproof. While investing in riskier assets requires substantial amounts of
Financial Counseling for Couples
Money, and how couples deal with it, has an enormous impact on the health and strength of the marriage or partnership. One of the cornerstones to having a successful relationship is to have financial harmony, say both Carolyn Washburn and Darlene Christensen, consumer science agents for the Utah Sta
The Many Ways To Save Money In Today's Economy
There are many ways to save money if you are willing to analyze your lifestyle and make some changes to how you currently live. In doing this you will notice that even by altering things ...
Missouri Social Security Benefits
If you live in Missouri and are disabled or retired, you can receive income payments from the Social Security Administration. Your family is also entitled to benefits if you were to pass away. These programs, which are funded by federal taxes, pay tax-free benefits to applicants who meet its requir
Does Paying Off the Credit Purchase Immediately Damage Your Score?
Any time you use your credit card or make a payment your actions may affect your credit score. Paying off a purchase you made with your credit card soon after making that purchase might, in some cases, lower your score, but typically only briefly and not by a lot. . While it's not always easy to pre
How to Get a New Food Stamp Card
The federal food stamp program, or Supplemental Nutrition Assistance Program, provides for the purchase of food by low-income individuals who qualify. Money from the program is given to recipients through the use of an electronic card, or EBT, which carries a balance. Getting a new food stamp card s
I Do Not Have Enough Work Credits for Social Security: Can an Ex Claim on an Ex-Spouse?
You may not realize how expensive retirement is until your golden years are upon you. If you haven't earned enough work credits to obtain Social Security on your own record, you're probably afraid you won't be able to make ends meet as you get older. In truth, Social Security has you covered. As lon
Define Gross Wage
Gross wages are wages a person earns before any taxes or other items are taken out of his paycheck. Net wages are wages after taxes and other deductions take effect. When a job offer states wages or salary, the number used is the gross wage, or gross salary.
How to Lower Car Payments
If you're having trouble making your car payment, your lender might be able to help you. Many lenders have programs in place specifically geared to borrowers experiencing financial hardship. You can also refinance your car loan with another lender. If interest rates dropped or your credit improved s
What Are the Qualifications for Receiving Unemployment in Georgia?
The Unemployment Insurance program (UI) in Georgia is administered by the state's Department of Labor. The program is designed to provide partial income replacement to qualified unemployed workers. A claim must be filed to receive benefits, which can be done in person at a department office or onlin
How Much of a Downpayment Do I Need to Get a Low Auto Interest Rate?
Some banks may have lending thresholds for its lowest interest rates, meaning you must borrow a certain amount of money against the vehicle's bank-determined value. However, most banks offer the same interest rate for terms of 24 to 60 months, but raise rates for loans longer than five years. Banks
Identity theft protection companies -- Don't forget the FTC (Federal Trade Commission)
When you are looking for identity theft protection companies, please don't forget the FTC. One of the first things everyone recommends doing when you become a victim of identity theft is to call the FTC ...
State Scholarships for Teachers
According to the U.S. Department of Education's National Center for Education Statistics, nearly 4 million teachers served in public and private primary and secondary schools in 2009. While the number of teachers has increase nationwide since the beginning of the millennium, certain states have a sh
How Long Is a Trust Account Protected From the Investment Date?
A trust is a legal entity distinct from the person who creates it. A trust isn't an account like a bank account because the creator --- known as a grantor --- transfers ownership of the assets to the trust, as opposed to placing them in an account for safekeeping. However, by creating a separate ent