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Personal Finance : Business & Finance

How Does a Passbook Loan Work?

DefinitionA passbook loan is a loan that is collateralized with your savings account. Dissimilar to a standard credit account, a passbook account is a loan that--usually at a lower interest rate--borrows your own money as a safer risk for the bank. Usually these accounts are only offered...

Winterization Grants

With the increasing costs of home heating oil and other means of heating our homes, one area where our energy costs can be reduced is by properly weatherizing our homes to make them more energy efficient. The good news for low-income homeowners is that winterization grants are available through spec

How Are Disability Payments Treated for Tax Preparation?

The treatment of disability payments for taxes varies by the way premiums were paid. If you paid all your own premiums with after-tax dollars, your payments are not taxable. However, if you paid some or none of your own premiums, you have to report at least part if not all the money you receive as t

Visa Debit Cards Information

Visa debit cards are different from the regular Visa credit cards in that each time you make a purchase, the funds for the purchase come directly from your checking account. This removes the worry of late fees, high interest rates or rushing to make monthly payments by the due date or end of the gra

Grants for Homes in Arizona

There are resources available in Arizona to build or purchase a home.home sweet home image by easaab from Fotolia.comYour home is your most important asset and will most likely be the most expensive purchase you will make in your entire life. Needless to say, getting the funding to...

What you MUST do to develop assets.

What's your asset position like? If you're like most people you're getting older but you're not getting any richer. This is because you don't have an asset development plan in place. The money comes in, ...

How to Start Learning to Save Money

Learning to save money is important for those experiencing income loss, out-of-control-debt or simply a desire for increased frugality. Whether you want to save money for long-term investing, to buy a new car or home, or just to increase your overall wealth, it's important to go about it in the best

How to Set Up an Online Bank Account

With the help of the Internet, you can quickly manage your money between accounts or create an unattainable account to store your savings. Bank accounts that are exclusively online often add the advantages of choice interest rates on products. With no physical office space to maintain, online banks

403b & 401k Annuity Comparison

403b and 401k annuity retirement plans are very similar. They are both administered by the employer and use pre-tax funds withdrawn from your paycheck. This is different from other retirement plans, such as an Individual Retirement Account, when you have to set up, administer and monitor an account

Cashing a Cashier's Check

Cashier's checks are written by the financial institution on its own funds, signed and made payable to a third party. Cashier's checks are used to transfer large amounts of funds and make payments. They are also called a treasurer's checks or bank checks. Most banks allow you to deposit cashier's ch

Scholarships for Universities in America

Going to a university has become a dream many have chosen to defer because of the rising cost of education. Thankfully, scholarship programs are available that can offset the financial burden. These programs are offered by a variety of organizations and help students attending either undergraduate

Does Debt Management Hurt My Credit Report?

Debt management companies help borrowers pay down credit accounts by negotiating with the credit companies to lower terms, reduce fees and consolidate the credit accounts so only one payment needs to be made per month. Debt management can appear on your credit report, although the specific effects v

Save on Your Magazine Subscriptions

If I told you that you could save up to 90% on something and not have to do extra work to save would you do it? Of course you would. Yet, many people still overpay ...

What Are the Dangers of Internet Identity Theft?

Identity theft is when an individual, using stolen personal information, imitates another person for his own gain. Most criminals use identity theft to steal money, such as by accessing financial accounts, but some steal identities to learn information or to be given access to certain...

How Can Applying for Credit Affect Your Credit Score?

When you apply for credit, the lender or creditor with which you apply will pull a copy of your credit report. This results in a credit inquiry being placed within your credit file and has a slight negative effect on your credit score.

The Salary of Computer Technicians

Computer technicians or repairers install, fix and assist with maintaining computers used by both businesses and individuals. A computer technician's salary depends on factors such as his level of experience and education, the industry in which he works and the cost of living of the area in which he

How to Order a Credit Report & Score

A credit report is information about how you pay your bills, whether you've been sued, arrested or declared bankruptcy, and your general credit history. The Fair Credit Reporting Act allows consumers to receive a free copy of their credit report through The Annual Credit Report website, from the thr

How Can a College Girl Without Credit Establish Credit?

When you apply for credit, the finance company or bank reviewing your application checks your credit score to determine whether you have a history of paying your bills on time. College students often struggle to obtain credit because they have no prior credit history and lenders have no data upon wh