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Personal Finance : Business & Finance

How Are Contributions to Qualified Annuities Made?

If you own an annuity, you might be able to make qualified contributions to the account. A qualified annuity is an annuity that's housed inside a qualified retirement account such as an IRA. Because of this, contributions are subject to the rules and procedures that apply to these types of accounts.

How To Take On-Line Surveys at Home For Income

If you are looking for some extra cash, taking online surveys can be a good way to earn some relatively easy money. Companies are always looking for the opinions of ordinary consumers, and they are willing to pay market research firms to get that information. Those market research firms in turn soli

Effective Tips To Find A Financial Advisor

The proper management of finances is one of the most important yet extremely essential parts of ensuring a good future for oneself and one's family. However, a lot of people are too busy to be ...

Gold Rush? Do Not Bury Your Head In The Sand!

Has the price of gold peaked? How about the price of silver. Mankind has always had a fascination for precious metals. Gold is rising in price. Has it peaked? Not yet. For the first time ...

How to Contact a Credit Bureau

If you need to contact a credit bureau, such as Experian, TransUnion, or Equifax, you can do so by phone, mail, or online. You can contact them to get a copy of your free annual credit report, or you can contact them to dispute an item on your credit report. Remember, under the Federal Credit Repo

How to Define an Effective Interest Rate

Albert Einstein once called interest compounding "the greatest mathematical discovery of all time," according to Investopedia. Interest compounding refers to the fact that once interest accrues, it begins to accrue additional interest. When interest is paid more than once per year, the effective int

The Best Way to Rebuild Credit After Bankruptcy

Individuals who have filed bankruptcy often find themselves wondering how they can rebuild their credit after such a devastating blow. Compounding the situation, these individuals have probably already suffered severe credit damage before filing for bankruptcy protecting, putting a good credit ratin

Why I Cashed Out my 401k Retirement Plan

If everything you thought about 401k retirement plans were false, when would you want to know? If you learned about the misconceptions surrounding 401k investments, what would you do? When I entered the workforce, I ...

How to Make a Bank for Kids

Saving money is a healthy habit that can begin at any age. Children often receive coins or dollar bills for allowances or chores. You can reinforce the value of saving by creating a personalized bank and teaching children to deposit money to save for a specific goal. When the bank is full, children

Online Forex Trading System: Learning Increases Earnings

With enough dedication, the online forex trading system is not so hard to master. Foreign exchange trading is a very lucrative industry. Contrary to the belief of many, one does not need tons of cash ...

Three Quick Tips on Fixing Bad Credit

Although the best way to fix bad credit is to build a consistent payment history over a long period, you can also take steps to quickly improve your score. This can be helpful if you are getting ready to apply for a new loan or mortgage and want to increase your chances of being approved with a low

How to Receive Credit Card Offers

Compare credit card offers to see how your current cards stack up. There are many new programs to select from. Travel incentives, student offers and options for individuals with poor credit are available. The best way to receive credit card offers is to seek them out on the Internet.

Reasons to Save Money

Retirement Retirement should be seen as a long term goal. Due to the fact that it may seem so far into the future, many people ignore saving money for retirement altogether. People tend to spend ...

What Disqualifies You From a Mortgage?

Having a lender determine that you don't qualify for a mortgage loan can be devastating, especially if you're ready and eager to buy your own place. Mortgage lenders look for applicants who meet all the lending requirements, and falling short of these requirements typically ends with a rejection.

How to Fix Credit Online

About 78 percent of American households--about 91.1 million--had one or more credit cards at the end of 2008, according to Ben Woolsey of CreditCards.com. Personal debt has been tough to control for many people. Add to the mix external economic stresses, and you have a recipe for a declining credit

How to Order a TransUnion Credit Score

When ordering your TransUnion credit report directly through TransUnion or through the free annual credit report website, your credit score is not included on the report. In order to view your credit score, a price must be paid. The good thing about TransUnion is that when you order your credit scor

How to Transfer an IRA to a Spouse

When a couple gets a divorce, retirement assets are considered during marital estate division. The courts view assets contributed and earned during the time of marriage as a team effort. As a result, most states require retirement assets such as IRA accounts to be split, if not equally, partially. A

Correct Way to Fill Out a Deposit Slip

When you deposit physical cash or checks into a checking or savings account, you usually must fill out a deposit slip, although individual bank policies vary somewhat. Some banks don't require a deposit slip if you use an ATM. Some accept deposits at teller’s windows only if you use a pre-prin

How to Figure Out My House Payment With Insurance & PMI

When you are budgeting for buying a new house, in addition to the monthly mortgage payments, you also need to factor in private mortgage insurance and homeowner's insurance. Private mortgage insurance, or PMI, is a cost imposed on buyers who pay less than 20 percent of the home's value as a down pay