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Personal Finance : Business & Finance
Can You Combine a Regular IRA With a SEP IRA?
If you opened a simplified employee pension (SEP) individual retirement account (IRA) to invest self-employment income or because your employer established the account for you, you can combine it with a traditional IRA. You can also convert a SEP IRA to a Roth IRA, but cannot roll amounts from a Rot
How to Obtain a Free Annual Copy of My Credit Report
Under the Fair Credit Reporting Act, an individual is entitled to a copy of his credit report at no charge annually. Designed to encourage individuals to make certain that the information in the credit reports is accurate, the FCRA allows an individual to check a credit report to make certain that
Podiatrist School Requirements
According to the American Association of Colleges of Podiatric Medicine, or AACPMAS, an applicant must first complete 90 semester hours at an accredited university before admission to a podiatric learning institution. At a minimum, applicants must have 32 to 36 sciences and lab credits and six to ei
Finances & Retirement: How Much Do I Need?
Retirement planning hinges on the single key question of need. Sadly, as the countless number of books on shelves and sites on the web have proven, there is no easy answer to this question. There are, however, some relatively constant factors and considerations that anyone planning for retirement sh
The Advantages of a Purchase Money Mortgage
If you want to purchase a home and you have less than desirable credit or you do not have enough money for a down payment, you might want to consider a purchase money mortgage. A purchase money mortgage, also known as seller or owner financing, is an alternative to traditional bank financing that yo
Can You Build Up Good Credit in 6 Months?
Your credit gets ruined very quickly if you skip a few payments, have a car repossessed, declare bankruptcy or have other negative events happen within a short timeframe. Building up good credit takes longer because lenders want to see enough evidence of financial responsibility to feel confident th
Can Conversion to a Roth Be Withdrawn Tax-Free if Over 59 1/2?
A Roth IRA, unlike a Traditional IRA, allows you to contribute funds after taxes and withdraw them tax-free once certain conditions are met, including your age. State income taxes may still apply. If these conditions are not met, income taxes and a 10 percent penalty will apply to any earnings that
How Do You Stop or Reverse a Bank Levy
A bank levy occurs when an individual owes debts that he does not pay and the creditor subsequently sues him for those debts and obtains a judgment from the court in the amount the debtor owes. Depending on the enforcement laws for the debtor's state, the creditor then may be able to request a writ
How to Choose an IRA Beneficiary
An Individual Retirement Account (IRA) allows you to defer taxes on your retirement savings until you are ready to use them. This money normally may be invested in any way that you decide, but various fees apply depending on the investments that you choose. Part of the structure of your IRA allows y
How to Use Paper Shredding as Packaging
Whether you send out a box in the mail or make a gift basket at home, you can use paper shredding as packaging. This low cost item saves a lot of money when you shred newspaper in a home shredder for the purpose.
What Is Estate Management?
Estate planning involves determining how your assets will be distributed in the event of your death or physical or mental incapacitation. Without proper estate planning your assets may not be distributed to your heirs in the desired manner. Common elements include appointing a power of attorney and
What Does R1 Mean on a Credit Report?
A credit report contains a record of your financial accounts and shows how you have maintained those accounts. A credit report contains codes and digits that have meaning. Without knowing what the codes mean, you may have a difficult time reading the credit report.
How to Clean Up Distortion With Vocals
Vocals can bring substantial frustration when mixing a song. Sometimes, a single line of lead vocals must share the sound mix with the recordings of several different instruments. The instrumentation then drowns out the vocals as a result. You might be tempted to continue raising the volume of the v
How to Learn Investor Lingo
If you want to start investing now one thing to do is to learn the lingo. Here is how to learn it quick.
What Are Court Judgments for Non-Payment of Credit Cards?
A credit card lender has the option to sue you in court for nonpayment. The lender must first properly serve you with a court summons. If you receive a summons in the mail, do not ignore it. If you fail to respond, the credit card company will automatically receive a default judgment which it can us
What You Should Know About Disability Insurance
Disability insurance is a product that protects a consumer in case a disability from illness or injury renders him unable to work. Disability insurance assists the consumer by providing income to replace the wages lost due to the disability. Consumers should understand the basic differences between
How to Cut Back on Grocery Bills
Groceries are necessary for everyone. Even people that eat out a lot have at least some snacks or some drinks in their fridge. Saving money on the grocery bill, whether we are going through tough financial times or just want to spend it on other things, can be easy if you follow these tips when you
Bespoke Advice from SimplyFinance
Technology has evolved to such a degree, that you can now manage many of life's tasks on the move. The accessibility of the internet has enabled people to pay bills on the bus, book a ...
Ten reasons why you ought to get financial assistance from your financial consultant
A lot of people believe that independent financial advice is designed for the prosperous. Well, think again, in today's economy you need to protect and develop your assets much more then ever. Listed below are ...
Definition of the Nominal Interest Rate
The nominal interest rate is the term for the expressed interest rate for an investment or security, or the interest rate paid on a loan.