Personal Finance : Business & Finance

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How to Pull a Credit Report for Rental Property

How to Pull a Credit Report for Rental Property

The government limits who is allowed to access credit reports to protect the privacy of individuals and prevent identity theft. To pull a credit report for someone else, you need to have a legitimate business interest and the person's permission. If you are considering someone as a potential tenant ......[Read More]
How to Run a Free Credit Check

How to Run a Free Credit Check

You should check your credit report at least once a year. Running a free credit check ensures that you keep up to date with the way lenders view you, and allows you to be certain there are no mistakes in your credit history. It enables you to correct errors and to identify areas where your credit ra......[Read More]
How to Make Some Cash Selling Your Books Online

How to Make Some Cash Selling Your Books Online

From college textbooks to novels and self-help guides to cookbooks, selling the extra books you have lying around your house can be a great way to generate some extra cash for your bank account. Selling the books online is especially convenient, as they can be packaged and mailed directly from your ......[Read More]
Guidelines for Pennsylvania Living Trusts

Guidelines for Pennsylvania Living Trusts

The primary guidelines for Pennsylvania living trusts are in the documents creating the trust. Pennsylvania law -- found in Chapter 77 of the statutes -- says the trust declaration takes precedence over the statutes, with a few exceptions: The settlor -- the person setting up the trust -- must compl......[Read More]
How to Buy Case Lot Groceries Online

How to Buy Case Lot Groceries Online

Case lot groceries are food and household items sold in unit cases, as opposed to individually. Purchasing them online is a way to save money, take advantage of lowered prices and stock up on grocery staples. You can expect to receive a typical 15 percent discount on case lots. You don't have to wor......[Read More]
California Educational Grants

California Educational Grants

The California Student Aid Commission administers educational financial funding, which students can use to pay educational costs at state and private colleges, universities, technical schools, and community colleges. The majority of California grant programs require students to submit a Cal Grant GP......[Read More]
Ideas for Frugal Families to Make Extra Money

Ideas for Frugal Families to Make Extra Money

Frugal families work hard to cut corners. They often do without luxuries that most people take for granted. Frugal families understand that things like designer clothes and big screen televisions aren't necessary. Their sacrifice is worth it when the money goes to something more.........[Read More]
What Can Happen to You as a Victim of Identity Theft, Facts & Figures

What Can Happen to You as a Victim of Identity Theft, Facts & Figures

Is identity theft really that serious? Thousands of people every year are victims of this terrible crime. Thieves use your personal information to commit fraud or other crimes in your name and can cause significant ... ......[Read More]
How Much Annually Can I Take Out of My IRA?

How Much Annually Can I Take Out of My IRA?

Saving through an individual retirement account (IRA) is one of the more effective ways of creating a nest egg for retirement. Once you reach retirement age, you may be ready to start taking money out of the account. Determining how much money to take out of the account is important so you do not de......[Read More]
How to Do Cheap Shopping

How to Do Cheap Shopping

Many Americans need to find creative ways to keep more money in their pockets while still providing for their needs. Adopting a few frugal habits can ultimately add up to significant savings. Pay cash, use coupons wisely, comparison shop, eat before you go to the grocery store and evaluate what you ......[Read More]
How to Confirm a Money Order Payment

How to Confirm a Money Order Payment

If you are paying bills or sending money through the mail, you run the risk of the envelope getting lost in transit. Money orders are similar to checks, but you pay for the money order upfront rather than wait for the check to clear your bank account. If the money order gets lost or is never cashed,......[Read More]
How to Find Out If You're Owed Back SSI Money

How to Find Out If You're Owed Back SSI Money

If you're approved for Social Security Income payments, you'll receive payments from the filing date of your initial application. Because the application process takes anywhere from three months to two years, this may be a substantial amount of money. The time it takes to receive this payment varies......[Read More]
Biochemistry Career Salary

Biochemistry Career Salary

The career title "biochemist" may sound like a hybrid of "biologist" and "chemist," but trained professionals in the biochemistry field concentrate on the biology and chemistry of living things. Biochemists study every faction of life, from genetics to illness to metabolism and reproduction. Biochem......[Read More]
Are Bounced Checks Assessed a Fee?

Are Bounced Checks Assessed a Fee?

In an interview with MSN Money Central's Liz Weston, one woman reported paying $4,000 over the course of one year in bounced check fees alone. Just a few bounced checks can amount to annual percentage rates equal to that of a payday loan lender. Thus, it is critical to your finances that you can cov......[Read More]
Tax Implications for Taking out of a Roll-Over Early

Tax Implications for Taking out of a Roll-Over Early

Retirement plans such as 401(k)s and IRAs are among the most tax-friendly ways to invest for the future. Withdrawing money from these plans early can come with severe tax consequences unless done properly by way of a rollover. They allow funds to be swapped from one qualified plan to another without......[Read More]
How to Calculate the Effective Mortgage Interest Rate After Deductions

How to Calculate the Effective Mortgage Interest Rate After Deductions

According to the U.S. Government Accountability Office, the mortgage interest deduction is the third largest tax expenditure, costing the Internal Revenue Service about $80 billion in lost tax revenue as of 2009. Because of the deduction for mortgage interest, you can save money on your taxes that l......[Read More]
How to Calculate Effective Interest Rates on Credit Cards

How to Calculate Effective Interest Rates on Credit Cards

A credit card agreement typically specifies the annual percentage rate (APR) the credit is given at. However, if a credit card account has an outstanding balance during the entire year, an effective (actual) interest rate would be higher than nominal APR. It is because the interest is usually calcul......[Read More]
When Are Personal Guarantees Payable to the Bank?

When Are Personal Guarantees Payable to the Bank?

Your start-up business may need a personal loan guarantee to receive financing. Banks require this of companies that don't have enough assets to secure a loan. An officer or owner of the company pledges personal responsibility for the loan. This means the guarantor's own assets are at risk if the ba......[Read More]
How to Send Money to South Korea

How to Send Money to South Korea

Sending money to South Korea (either to pay employees or purchase goods) cannot be safely done through cash, check or credit card transactions. The data can easily be stolen and used to drain your savings. However, there are multiple services that provide wire transfers to South Korea from the Unit......[Read More]
Retirees Set to Lose Billions

Retirees Set to Lose Billions

Millions of Britons due to retire over the next few years face a 'double whammy' that risks seeing 11.5 billion wiped off their retirement funds, according to a new report by the Saga Foundation. This ... ......[Read More]