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Personal Finance : Business & Finance

How to Get a Debit Card Under 18

For someone under 18 to get a debit card, she usually must have a bank account. Many banks will not open an account for anyone under 18 since a teen can't be held to contracts. Most banks that do allow teens to open a checking account and receive a debit card require an adult to jointly own the acco...More...

How to Obtain a Pell Grant

A Pell Grant is money the federal government extends to some students based on need. A student does not have to repay the amount as he does with a student loan. The process of getting a Pell Grant requires the same steps as requesting other forms of government assistance for student financial aid....More...

How to Update an Address on Personal Checks

Moving means packing, unpacking, decorating and informing everyone you know that your address has changed. In addition to notifying your financial institutions and other companies of your change of address you also have to replace certain items, such as your driver's license and personal checks. If ...More...

The Positives of a Recession

The recent recession has many of us in a situation worse then we were in just a few months ago. The media has jumped all over the recession and has even compared it to the ... ...More...

How to Terminate Ownership of a Time Share

Timeshares offer owners the ability to vacation regularly at a favorite location. However, if you find that you no longer use your timeshare or the costs are too high, then it’s time to end ownership. Timeshares are not like traditional real estate, but options for getting out of a timeshare c...More...

Temporary IRA Withdrawals

Federal tax rules discourage individual retirement account withdrawals before you reach retirement age. You are free to withdraw money from your IRA at any time, but will owe taxes and penalties in the case of an early distribution. An IRA loan, or temporary withdrawal, allows you to avoid paying th...More...

How to Hold Car Titles in Florida to Avoid Probate

An automobile owned by a person becomes part of his estate once he dies. In Florida, that means the vehicle has to undergo probate, a process wherein assets are defined and distributed according to the person's will and state procedure by the courts. Since probate can tie up assets for weeks or mont...More...

Federal Stimulus Check Qualifications

You will need to file a tax return to receive your stimulus check.tax forms image by Chad McDermott from Fotolia.comThe Economic Stimulus Act of 2008 was put in place by the United States Congress as a move to avert a national recession and to boost the economy of the U.S. As part of this......More...

How to Turn a 403B Into an IRA

The rollover of a 403b retirement account into an Individual Retirement Account (IRA) follows essentially the same process as that for the rollover of a 401k account into an IRA. Rollovers are most common when one leaves an employer that offers a 403b retirement account option to its employees. Th...More...

Can Traditional Funds Be Commingled With SEP IRA Funds?

A Simplified Employee Pension (SEP) IRA operates in the same manner as a traditional IRA: Both plans allow you to save money for retirement and defer the income tax obligation on that money until you make a withdrawal. SEP IRA funds may be rolled over into traditional IRA funds and vice versa. Under...More...

Federal Law & Regulations on a 401(k)

One of the qualified retirement plans allowed by the Internal Revenue Service is a 401k plan. These plans are created by companies for their employees. The money must be invested through the company in one of the account options offered by the employer. Like other qualified retirement accounts, 401k...More...

Find Legitimate Bad Credit Personal Loans

We can not simply be "no" answer - especially when you heard lending experts say, that you can apply for a personal loan of your low credit worthiness. This is a strict "no-means-no" response from ... ...More...

At What Age Can You Start Drawing Retirement?

Retirement benefits refer to any benefits that are saved or invested for the expressed purpose of generating an income when you retire from your career. These benefits may be invested inside of designated accounts or they may be held with an employer through a pension system. The IRS affords special...More...

Income Limits for IRA Eligibility

Most people know that Roth IRAs have income limits that reduce or halt contributions if annual compensation is too high. Few know, however, that traditional IRA contributions are also limited by income. Workers with access to an employer-sponsored savings plan like a 401K may lose the ability to ded...More...

Ground Rules for Budgeting

Budgets help determine the best way to spend money coming in. Use a few basic principles to develop an effective and realistic budget that will help your family or business stay on top of finances and avoid overspending and going into debt....More...

How Can I Make My Credit Score Higher and Better?

Staying on top of your credit report and your credit score is crucial to obtaining credit approvals from potential lenders in the future. You can do things to raise your score and increase your approval ratings as well as get the interest rates and credit limits that you deserve. While it can take a...More...

SEP IRA Retirement Plan Requirements

Establishing an SEP can be an important part of your overall business plan.business plan sobre la mesa 10609 image by pablo from Fotolia.comA simplified-employee-pension plan, or SEP, is a retirement plan designed for the employees of small businesses. Like other business retirement......More...