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Personal Finance : Business & Finance
North Carolina Graduate Scholarships
Tuition and fees associated with obtaining a graduate degree have increased by 35 percent from 2001-2011, as reported by GradLoans.com. Graduate school students face financing an education that could take several years to pay for when student loans come due. Scholarships and fellowships allow gradua
The Dangers of a 529 Plan
A 529 Plan is a savings plan that is operated by either an educational institution or a state that allows families to save funds for college expenses. Each state offers at least one 529 Plan, and savings can be used at colleges throughout the United States. While 529 Plans are beneficial...
How to Open a Portfolio Statement
Investors explore financial markets to create wealth and establish higher standards of living. Opening and analyzing your portfolio statement remains a part of this wealth creation process. Opening your statement begins with the verification of basic accounting information. From there, you will moni
Enjoy Portfolio Benefits With Forex Trade Signals
Forex trade signals can be done in so many different forms and for various reasons that is often a daunting task just to figure out where to start. Should you go with an account with ...
How to Compare Rates on TV, Phone, Cable
Are you constantly looking for ways to save money on your household utilities? Are you looking for ways to compare rates for bundles and services from all home services. Would you like to find one site that could help you make reasonable, intelligent choices about essential services for your home?
When a Child Inherits an IRA
An IRA may be included in an inherited estate or passed to the next generation directly by naming a personal beneficiary. For children who inherit an IRA as a direct beneficiary, learning the rules and regulations surrounding your particular inherited IRA is critical in avoiding unnecessary taxation
What Is APY?
APY stands for Annual Percentage Yield. It is a term used commonly in banking and finance to refer to the actual interest paid on an interest-bearing account. APY is the amount an account grows over the course of 1 year. This assumes that the deposit amount remains constant throughout that year. APY
7 Insurance Myths Debunked
Planning for contingencies like death and hospitalization also forms an important part of financial planning. Buying life insurance provides for the living expenses of bread earners family in his absence on death. Let me debunk ...
Can a Merchant Charge Me More if I Use a Credit or Charge Card?
Up until 2013, stores couldn't make you pay extra if you used a credit card. That year, merchants settled a long-standing lawsuit over the "swipe fees" Visa and MasterCard imposed on stores that accept those cards. The settlement gave merchants the option to charge customers a fee for usin
When a Hedge Is Not a Hedge
When a hedge is not a hedge Hedges are positions by themselves and will not protect your investments The word €hedge€ is a misused word and where it is supposed to protect an asset against ...
How Is a Foreclosure Reported on Your Credit?
Losing a home to foreclosure is an experience that many individuals would prefer to keep private. Unfortunately, if your mortgage lender seizes your property, it inserts a record of the foreclosure into your credit history. This allows other lenders and creditors to see that you lost your home due t
How to Set Up Your 401K Contributions
The employer-sponsored 401(k) retirement plan has come a long way since its advent in the 1980s. As the most common retirement savings program in the United States, 401(k) plans offer investors a great amount of control over their savings, a feature that has proven to be both a benefit and a drawbac
What Are the Requirements of a Loan Forgiveness of Teachers With Student Loans?
An April 2006 report by the U.S. Public Interest Research Group warns that "burdensome" debt levels may deter qualified individuals from entering two critical public service careers: teaching and social work. The nonprofit's study concluded that about 23 percent of college students graduat
What Is a Closed End Deed of Trust?
Similar to a mortgage, a closed-end deed of trust is a legal agreement that the buyer of a property signs to promise payment to the mortgage lender. It protects the mortgage lender from non-payment. Whether a transaction uses a mortgage or a deed of trust depends on the state regulations.
How Long Does it Take for Your Credit Score to Rise After Paying Off Debts?
Credit scores can plummet quickly when a person defaults on bills, according Fair Isaac Corp., creator of FICO credit scores. It takes a longer time to repair damaged credit. One of the best ways is simply by paying off debts, especially if the payments are all made on time.
When Can I Take Distributions From an IRA Without Incurring a Penalty?
Whether you own a Roth or traditional IRA, Congress wants you to keep your money in your account unless you have what is considered to be a good reason to access it. While each type of account provides tax breaks and has tax-related stipulations, both penalize IRA owners for taking distributions tha
An Assistant Professor's Average Salary in the US
According to the American Association of University Professors (AAUP), the average pay for full-time assistant professors was about $63,000 in 2008 and 2009. That compares with an average pay of $79,000 for all professors in the AAUP's survey. According to the Bureau of Labor Statistics, half of all
What Investments Can I Put in an IRA?
Individual retirement arrangements, or IRAs, are savings vehicles that allow most workers to set aside money for their own retirement security. Traditional IRAs allow contributors to take a tax deduction on contributions. Assets in traditional IRAs then grow tax-deferred until retirement. Withdrawal
California's Welfare Policy
California's welfare programs are designed to assist low- to middle-income families throughout the state with money, food and medical coverage. These programs are handled through the Department of Social Services and the Department of Public Health. Each program has its own policies that govern who
How to Remove an Executor or Trustee for California Probate
Many people name family members to be the executor or trustee of their estate after they have passed away. Others may hire a professional to perform the duties of the administration of the estate. With either type of trustee, the beneficiaries may sometimes find themselves at odds with the managemen