Personal Finance : Business & Finance
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.
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
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
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
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
Publix Super Markets offers eligible employees and certain other individuals membership in the Publix Employees Federal Credit Union for their banking needs. You may also be able to keep your checking account open even if you are no longer employed by the company.
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
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 ...
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
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
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
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
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
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
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.
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
The North Carolina Food and Nutrition Services FNS program --- formerly known as the Food Stamp Program --- offers federally-funded aid to low-income families for food purchases. Income limits for food stamps in North Carolina are the same throughout the state, including Charlotte. The state bases r
Military personnel who serve the country for 20 years of active duty earn retirement benefits that will be paid for the rest of their lives. Military pay is also subject to Social Security taxation. Over a full career in military service, members also earn enough credits to receive Social Security r
When growing your money, it may feel better to stick to tried-and-true techniques that will help your cash increase without much risk. The key to abundance for the risk averse is saving, followed by refusing to take on new debt or use credit. These methods don't make a person wealthy right away, but