Personal Finance : Business & Finance
Social Security is a federal program that impacts most Americans either through retirement, disability or death. Laws governing Illinois Social Security benefits come from the Social Security Act, which regulates actions by the Social Security Administration with regard to payment of benefits. Under
Turn your bad credit around and improve your chances of qualifying for low-rate financing deals. Bad credit can happen after you lose a job or deal with an illness because you may fall behind on payments or rely on credit card to make ends meet. However, regardless of the cause of credit issues, you
The School for Continuing and Professional Studies is dedicated to helping working professionals maintain their skill sets and advance in their fields. SCPS divisions are set up in most universities throughout the country. Professionals looking to maintain certification or grow their career may rece
The holidays are one of the most exciting times of year when people travel to spend time with their family members and loved ones for what is often a memorable experience. But the holidays can ...
The National Society of Black Engineers (NSBE) encourages young black men and women to enter the engineering field. The organization works to achieve this and other goals not just in the United States but around the world. For students in the United States, the organization offers financial assistan
Developing a household budget is an important step in managing your personal finances. A budget can help you track unnecessary expenditures and save money for important purchases or expenses. A budget can also help you prepare for major purchases, such as a home or car, or track information you will
The state of Virginia has a critical shortage of teachers. For the 2010-2011 school year two of the top three critical shortages where in elementary and middle school education. Becoming a teacher in Virginia can help alleviate the shortage of teachers in the classrooms. There are three ways to go a
Women can use different grants to fund their endeavors.Young business women consalting image by Anatoly Tiplyashin from Fotolia.comWomen often face unique challenges on the road to success. Juggling motherhood, dealing with gender discrimination and financial obligations can make starting...
If you want to reduce the amount of time you spend preparing your tax return, the IRS allows you to prepare it on a 1040-EZ or 1040-A instead of the standard long-form 1040. However, if you plan to claim a charitable contribution deduction for the donations you make to a church, you can only choose
Loan to value is an important consideration when borrowing money to finance the purchase or refinancing the loan on real estate. Loan to value is usually shown as a ratio in percentage terms. The loan-to-value ratio can determine the rate and costs of a new mortgage loan.
The difficulty of acquiring a government grant depends mostly on the availability of money available and the purpose of your monetary needs. As of 2009, you must be over the age of 18 and a U.S. citizen to apply for a grant. Unlike loans, government grants do not have to be paid back as they are con
Mortgage interest is one of the most important parts of the mortgage for borrowers; it represents a chief component in all payment plans, and can sometimes even surpass the principal as the primary expense in the loan. Mortgage interest is calculated by applying a particular rate to the principal of
The extension of credit applies not only to loans, but to everyday bills such as telephone or cell phone service. Failure to properly manage your bill may result in a delinquency on your credit report.
A routine trip to the dentist's office may have patients spending more time with a skilled professional other than the dentist -- the dental hygienist. Dental hygienists are trained medical staffers who shepherd patients through their appointments, collecting medical histories and discussing any pro
For many people, "retirement" has taken on a new meaning: second careers are becoming common among those over age 65. With life expectancy nearing 80 years for most workers, many people work longer to earn additional income or to continue contributing to the community around them. This trend results
An IRA, or Individual Retirement Account, is a tax shelter allowed by the IRS to help you save money for your retirement. As you get older, you may want to move your IRA to another account. Fortunately, there's no age limit on rollovers. So, if you're older than 70 1/2, you may roll your IRA into a
A certificate of deposit (CD) is different from a savings account because of the length of time it stays in the bank, which is known as fixed term, and its fixed interest rate. Buying CDs in Spain can be a risk if you are a foreigner and need to convert from one currency into Euros. However, there a