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Personal Finance : Business & Finance

How to Achieve a Financial Goal

setting and achieving financial goals should not have to take an act of god to do. This article with give you some helpful and detailed step by step instructions on how you can achieve a financial goal that you have set.

Is an Annuity Taxable Income if You are the Beneficiary?

Annuities are insurance policies that guarantee you an income for retirement. However, annuities do not receive the same benefits that life insurance receives in regard to taxation. When you receive an annuity as part of your inheritance, you must pay tax on the distribution. However, you should und

How to Check a Spouse's Credit Report

When two people get married, their financial lives often become linked. You and your spouse may need to buy a house together, and you may begin putting your paychecks into joint accounts. As a result, you may be interested in checking your spouse's credit report. In order to do this, there are sever

How to Open a Dutch Bank Savings Account

The Netherlands is one of the many foreign countries attractive to investors seeking secure savings with low tax rates. However, United States citizen are not allowed to open a Dutch savings account unless they are living or working in the Netherlands. In fact, an account is required in order to obt

Gas Pipe Inspector Salary

The U.S. Bureau of Labor Statistics (BLS) groups gas pipe inspectors in the same classification as construction and building inspectors. Their job requires them to inspect dwellings and commercial buildings to see that codes and construction guidelines are met, which includes ensuring that commercia

What Does Net Profit Margin Mean?

In corporate finance, a company's net profit margin is a measure of profit relative to sales. Therefore, net profit margin is net income divided by total net sales. Expressed on a percentage basis, profits of different periods from various companies can be directly compared despite their different

How to Assign a Trustee to a Deed of Trust in Texas

When you buy a house in Texas, a trustee holds the deed of trust, a document that enables the lender to foreclose on your property if you fail to uphold the terms of the contract binding you to your mortgage (the note).At closing, the title company requires you to sign docume

Methods for Detecting & Prosecuting Identity Theft

Identify theft is growing at an alarming rate. Identify theft occurs when personal information is stolen, such as to open a line of credit. Unfortunately, many people do not uncover identity theft until damage already has been made. The three major credit reporting agencies, Experian, TransUnion and

How to Get Free Government Money for School

The government provides many subsidies to aspiring students to make education more affordable. Some of these, like Pell Grants, are available to all US citizens and permanent residents. Other programs are only available to members of specific minorities, those that study a particular field, or to wo

What Is the Meaning of Retirement Annuity?

An annuity contract is a personal finance vehicle sold by insurance companies. An annuity owner makes regular payments into the account for a certain period of time (or may contribute one large payment premium). The deposited funds grow at a fixed or variable rate. Any taxes on growth of the contrib

Social Security Benefits for Maryland

Social security is a federal program that most people associate with retirement and disability income. However, the Social Security Administration (SSA) also provides income to people who have a deceased working spouse and children who have lost a parent. Since Social Security is a...

Criteria for Boat Financing

When you get to a certain point in life, you may decide that you want to buy a boat. In this situation, you may not have all of the necessary money to purchase it. Using a boat loan could provide you with the money that you need to buy. To qualify for a boat loan, you have to meet certain criteria s

How to Refinance a Motorcycle

There are a number of reasons you may need to refinance your motorcycle loan. Refinancing may extend the terms of your loan, lower your payments and lower the interest rate. During a tight financial time, refinancing can keep you from falling behind in your payments, but if you've lost your job it m

Automatic Forex Trading

Essentially one can trade in the Forex market in four different ways. It can be done manually by the trader himself, using a managed account provided by the brokerage firm, using Forex forecast signals or ...

Low Income Energy Assistance Programs in Mississippi

The Mississippi Department of Human Services has two energy-related programs that provide assistance to low income families or to families who are in temporary need of assistance. Aid can take the form of a discount on electric bills or a onetime grant and is available to not only low-income familie

How to Convert a 403(b) to an IRA

Converting a 403(b) into an IRA (investment retirement account) is not uncommon. The most common reason for making such a conversion is leaving your old job to take a new one, especially as not all employers offer 403(b) or 401(k) accounts as retirement options. The primary benefit of rolling over f

Financial Benefits of an IRA

Contributing to an IRA has several financial benefits. Many taxpayers are able to reduce taxable income by deducting IRA contributions and investment gains accumulate tax-free in an IRA until the money is withdrawn, usually when the taxpayer is in a lower tax bracket. An alternative to a traditional

4 money saving tips you cant live without

Although things are starting to look up for the economy and spending is on the increase, times are still rough and money is still tight. Never before has making your money go further been so ...