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Personal Finance : Business & Finance
Skills of a Cosmetologist
A cosmetologist is a professional who helps people look their best. She provides services such as hairdressing, make-up, manicuring of nails and facials. A cosmetologist may also shape eyebrows, perform hair removal and dress wigs. She requires a wide variety of skills to make a success of the role.
If You Start Your Own Business Will You Lose Your Unemployment?
The Federal-State Unemployment Insurance Program is designed to offer benefits to unemployed workers who through no fault of their own cannot find work and meet certain financial and legal requirements. If you start your own business, you are self-employed and no longer qualify as an unemployed work
What Is the Maximum Minnesota Unemployment?
The Minnesota Department of Employment and Economic Development's unemployment benefits system is designed to help average workers retain earnings when they unexpectedly lose their job. A beneficiary's weekly benefit amount is usually about half of his weekly salary. To prevent workers with high sal
What Happens if an Executor Refuses to Probate?
When someone dies, a personal representative or executor takes over much of the administrative duties involved in winding up the deceased's affairs. If the decedent left a will, she may have appointed someone to act as a personal representative. If there is no will or if no personal representative w
Free Fast Credit Repair Tips
Bad credit records haunt you when you try to get loans or credit cards. You may be tempted by ads online, on television or the radio offering to repair your credit, but the Federal Trade Commission warns that most companies do not follow through with their claims and explains that you can...
How to Contribute to a 401K and a Traditional IRA
Planning well for future retirement requires strategy. Paying yourself first is a necessity in spite of the economic outlook. If your employer sponsored 401k is not performing as you wish, you might want to take a look at supplementing your retirement savings by way of an IRA. Doing so will help you
Scholarships for Teachers in Grad School
States such as New York require teachers to earn advanced degrees before they start working in public school systems in their jurisdiction. But the rising cost of college tuition makes it difficult for teachers to earn graduate degrees. Government agencies, private organizations and colleges unders
How to Apply For SSI Online
The SSI, Supplemental Security Income, program is a government run program that gives money to people with low income, people that are over 65, the blind, and people with disabilities. Applying for and getting SSI depends on your income and your assets. The amount of money that you get for SSI ca
How to Transfer Money From Canada to the United Kingdom
Transferring money from Canada to the United Kingdon can be done either through a bank wire transfer or an online company such as Western Union, PayPal or Alert Pay. PayPal and Alert Pay send the money to the recipient's email account while Western Union sends the money directly to a bank account in
Clear your credit report from errors
For anyone who wants to one day own their own piece of property, take out a loan to get a new car, intend to open a bank account or even simply have their eye on ...
How to Stop a Debt Collector from Calling Your Cell Phone
You can stop a debt collector from calling your cell phone by using the rights you have in the Fair Debt Collection Practices Act. The FDCPA is a federal law, so it applies to all collection companies trying to collect a debt in the U.S. If you put your cell phone number on a loan application, you m
Roth IRA Eligibility Requirements
Congress introduced Roth Individual Retirement Accounts in 1997, as part of the Taxpayer Relief Act, according to the Congressional Budget Office. These accounts allow after-tax retirement savings; individuals receive no tax deduction on contributions, but qualified withdrawals are tax-free.
Can a Living Trust Be Amended Without the Help of an Attorney?
If the schedule of an original trust document no longer expresses the needs of the person who set up the trust, known as the trust grantor, it can be modified or amended; however, this can only happen if the trust is set up as a revocable living trust. It is not necessary to hire a trust attorney to
How to Stretch Your Family Budget
Stretching the family budget can be challenging no matter what shape the economy is in. But being a frugal shopper can help in ways to stretch your dollar beyond necessities and help you save those dollars for other things. I found that shopping at the dollar store can stretch your family budget and
Can a Foreclosure Be Applied to Your Credit After a Bankruptcy?
Generally speaking, the only way bankruptcy will keep foreclosure off your credit report is if your property never gets foreclosed on in the first place. Both the foreclosure and bankruptcy remain on your credit for about the same time period. According to Experian--one of the nation's three major c
When I File Bankruptcy Can My Bank Accounts Still Be Levied?
Failure to repay your debts in a timely fashion can have serious consequences. A creditor can sue you on a delinquent account and, if that creditor obtains a judgment, he can go after your assets to satisfy the judgment. A popular method creditors use to satisfy money judgments is to levy and garnis
Loan to Value Ratio
The loan-to-value ratio is used by lenders to determine the credit risk of mortgages. It compares the value of the property to the principal of the mortgage. If you are taking out a home equity line of credit, you will usually have to have your home reappraised.
What Happens If a Bank Teller Gives You More Money Than You Asked for?
Bank tellers are humans and make mistakes from time to time, such as giving too much cash back when processing a withdrawal for a customer. It is not common for tellers to make this error because they use electronic counting machines and must follow strict bank policies for counting and recounting c
Do Potential Employers Check Credit History?
A thorough application process helps employers locate the right candidate for an open position. While your education and experience level are crucial factors in determining whether a potential employer will offer you a position, don't be surprised if you must also give your permission for the compan
Summary of the Consumer Credit Act of 2006
The Consumer Credit Act of 2006 was passed by the Parliament in the United Kingdom and designed to give consumers protection when borrowing money. The Act improved protections offered by the Consumer Credit Act of 1974 by allowing for a Financial Ombudsman to settle disputes between consumers and UK