Browsing Category

Personal Finance : Business & Finance

Credit to Buy a Car

Cars are an expensive purchase that people finance when they cannot afford to pay the total cost all at once. Vehicle loans are secured by the car itself, since the lender can repossess it for nonpayment and sell it to offset the owed balance, but you still need a decent credit rating to qualify for

The Requirements to Become a Photographer

Photographers capture images used to tell stores, sell products and remember important events. While amateur photographers are a dime a dozen, true professional photographers are highly trained individuals with advanced creative and technical skills. In addition to learning how to operate cameras an

Free Ways to Improve Credit Scores

Managing your credit cards well improves your credit score.credit card and hand image by Warren Millar from Fotolia.comIf you apply for a loan, one of the first things the lender will want to know is your credit score. Your credit score functions as a predictor of how likely you are to...

Retirement Benefits for Federal Employees

Federal employees include jobs from air traffic controller to congressman.control tower image by Albert Lozano from Fotolia.comFederal employees have several different options for retirement benefits depending on when they began working for federal government and the type of position they...

What Is Emo Fashion?

Emo is a style of music that emerged in the early to mid-1990s, and is characterized by darker subject matter, moody melodies and emotionally charged lyrics. Since its emergence into mainstream music videos and playlists, emo has garnered a cult following of young people who make it a way of life an

Survivor Benefits for Widow Receiving Social Security

The widow or widower of a worker who paid into the Social Security system may be eligible for survivors benefits.civil war cemetary image by Cindy Haggerty from Fotolia.comKnowing about Social Security survivor benefits can help you plan for your family's well being after your death....

Investment Turnover Ratio

Investment turnover ratio is a common metric used in various contexts. In a business, investment turnover is a measure of efficiency in the use of invested capital. In a fund, or a portfolio of investments, turnover is the average holding period and is a measure of the trading activity. In markets,

How to Make Zed Fast in "WonderKing"

"Wonder King" is a massively multiplayer online role playing game that's designed for players of all ages. Players take on the roles of various characters who travel through the world and complete quests, completing important parts of the storyline. If you need to earn more money, called Zed in the

Tips To Organize Your Business Finances

Read today, Tips To Organize Your Business Finances, the principles witch bring you a structure into your finances, which your emotional equilibrium supports and with it makes you more successful - in good as in ...

Social Security Insurance Benefits

People often think of retirement when someone mentions Social Security, but Social Security offers insurance benefits also. If an income provider dies and has dependent children, there are benefits that supply funds for the minor children, similar to life insurance. Probably the best-known insurance

Divorce & Equitable Distribution

Community property states divide marital property and debt equally between the parties in a divorce. Equitable distribution states, on the other hand, apply a rebuttable presumption that an equal division is equitable, or fair, but allow for an unequal distribution upon a party's satisfaction of cer

Penalties for Hardship Withdrawal From a Pension

Though you may intend to use the contents of your pension account after retirement, an emergency may force you to take an early withdrawal. If you take distributions from your pension before the appropriate age, you may incur a penalty. However, you may be exempt from the penalty if you meet the Int

How to Borrow From an IRA Account

While you may be saving money in your IRA for retirement, it becomes an attractive source of funds when you find yourself in need of money and are younger than the permitted withdrawal age. However, because it is a retirement fund, there are strings attached to the money and if you access it in the

How to Create A family Food Budget

If you have a family feeding them can be one of your biggest expenses. You can reduce expenses by creating a food budget for your family. A food budget can be an ideal way to keep track of your weekly and monthly food expenses. This is also a good way to avoid unexpected bills.

Traditional IRA Time Constraints

A traditional Individual Retirement Account is one of the best retirement saving tools workers have today. With a traditional IRA, those workers get the combined benefits of an up-front tax deduction and the potential for long-term, tax-deferred growth of principal. If you plan to open a new IRA, or

The Average Salary of a Manager of Patient Accounting

The United States Bureau of Labor Statistics groups managers of patient accounting in the same professional class as medical and health services managers. Their duties include keeping patient information confidential, and overseeing billing, budgeting and finances for medical clinic. The salary for

How to Calculate Energy Bills

For some Americans, opening the power bill can be an anxious few moments. With the fluctuation in heating costs and temperatures, a month of extreme heat or cold can wreak havoc on a family budget. With a little planning, though, it is possible for anyone to calculate at least a close estimate of wh

Why Are Credit Reports Important?

It is a common misconception that credit reports are only viewed by lenders when a request for a loan or credit card is made. The reports, issued by the United States credit bureaus Equifax, Experian and TransUnion, can be important for a number of purposes outside of borrowing, including employment