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Personal Finance : Business & Finance

How to Convert Salary Into Hourly Rate

You can figure out quickly what an approximate hourly rate is for an annual salary by dividing it by 2,000, which is the roughly the number of hours worked in a year in a 40-hour-per-week full-time job. A $40,000 per year salary comes out to around $20 per hour. To get an exact figure, you will need

How to Close an Axis Bank Account

Axis Bank was established in India in 1994, with its central office in Mumbai, according to AxisBank.com. If you need to deploy your money elsewhere, you must take the proper steps to close your account there. Taking the time to do this will ensure that you don't have open accounts with one organiza

Can a Living Trust Be Sued?

A living trust contains your assets so that they don't have to go through probate before they go to your heirs at your death. This may save your heirs the expenses, time and effort of going to court. A living trust may also protect your assets in case creditors or heirs sue you.

The Required IRA Withdrawal

You can contribute to a traditional Individual Retirement Account free of income tax, then let the money sit for years earning tax free interest. When you finally start withdrawing your money, you'll have to start paying taxes on it. No matter what tax bracket you're in later in life, federal tax la

Personal Check Safety

As con artists and the technology they use become increasingly sophisticated, more and more people suffer the consequences of check fraud. Practicing key safety measures can help give you peace of mind.

Grants for Women Opening New Businesses

Grants are funds given to an individual or group that do not require repayment. Grants can come from the government as well as from private corporations and foundations. Many nonprofit organizations specifically disseminate funding to women in business, often as a way of empowering women from lower

Social Security Disability and Collecting Pension

Generally, receiving a pension does not affect your Social Security retirement or disability benefits. There are exceptions if the pension comes from work on a job where you did not pay Social Security taxes, such as with government employment. Although not generally considered pensions, workers' co

How to Switch Checking Accounts

With so many banks competing for your business, there is no reason to stick with a bank that charges you fees or does not offer a competitive interest rate. Some banks charge a monthly maintenance fee, while other banks charge to use non-branch ATMs. You can make money by switching to a free interes

Grants for Minority Women With Bad Credit

There's a common saying in the American South: "There's always so much month left at the end of the money." And as prices on everyday items continue to rise and the financial situations continue to look bleak, many people are looking for ways to supplement their income or receive financial assistanc

Things Your Financial Advisor Won't Tell You (Part 1)

This month I received an email from Alix and in this email Alix put a link in there to an article entitled, "Thirteen Things Your Financial Advisor Won't Tell You," written by Michelle Crouch. This ...

RN Salaries in Florida

Registered nursing is the largest of the health-care occupations, according to the U.S. Department of Labor's Bureau of Labor Statistics. Of the 2,583,770 registered nurses practicing in the United States as of May 2009, almost 160,000 practiced in Florida. RNs who practiced in Florida earned median

How to Save Money at Walmart with Internet Coupons

The Sunday newspaper is known by many for the supply of coupons that accompany the national news each week. However, if you don't have the newspaper's coupon inserts available, you can find a large selection of manufacturer coupons online. These coupons can be printed and used in the same way as tho

What to Look for When Buying a Used Police Car

When police cars reach a certain mileage, or when a police department acquires newer or better models, they are sold off to the public. Some people like to buy used police cars because they are collectors, while others appreciate them for the mystique, and others enjoy the engines, which are usually

What Does an Ex-Dividend Mean?

Stock investors can earn money from the price appreciation of stock shares and also from dividends paid by stock. Stocks that pay regular dividends typically make a payout to shareholders four times a year. To earn a paid dividend, an investor must own the stock by a specific date set by the corpora

How to Calculate the Unknown Interest Rate for a Present Value

According to the time value of money, it is better to receive a dollar in the present versus a dollar in the future. This is because a dollar in the present will grow to be more than a dollar at a future date due to inflation and investment returns. This total growth rate is the interest rate of an

How to Get an Instant Credit Report

You can download your instant credit report online at any time, and often not spend a dime. It's now the law that the major credit reporting agencies have to allow consumers access to their reports once every 12 months at no cost. Your credit score still has a fee, and credit monitoring services cos

Comparision of Bank Savings Accounts

Committing yourself to saving on an ongoing basis is the first step to building wealth. Finding the right savings account is the next. The three most common types of bank savings accounts are traditional savings, CD (certificate of deposit) and money market accounts. Compare these various savings ch

Income Guidelines for Single Parents Applying for Pell Grants

Unlike food stamps or emergency cash assistance, the Pell Grant program has no income limits, caps or even published guidelines. Department of Education statistics and financial aid officers' experiences offer some ideas about who gets Pell Grant money, but no hard guidelines exist.

What Will a Bank Do for Being Overdrawn?

There are many ways to become overdrawn on a bank account, such as bouncing checks, accidentally spending more than you believed you had or incurring unexpected transaction fees. In most cases, banks have a very clear policy on how to handle the situation. They outline it in the documents you signed