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Personal Finance : Business & Finance

High School Student Travel Grants

What better way for a teen to branch out her awareness and deepen her understanding of the world around us than by travel. The opportunities are endless and, for those willing to plan, persevere and exercise both tenacity and creativity, there are plenty of ways to defray the costs associated with s

The Basic Steps to Credit Repair

Repairing your own credit score can be easier than you might expect. It takes some discipline, some hard work and an understanding that it took a while for you to get into credit problems so it will take a while to get out of them. But if you stay committed to improving your credit, you can start to

What Do the Standard & Poor's Credit Ratings Mean?

For over a century, Standard and Poor's (S&P), a division of McGraw-Hill, has been contributing to investment decisions with its research, indexes, risk analysis and credit ratings.

How to Break the Debt Cycle

It's not easy to pay off debt. In fact, many people live paycheck to paycheck and struggle to pay their bills. People often find themselves in debt for different reasons, such as unexpected medical bills, purchasing expensive items, poor spending habits and using credit cards to pay for everything.

Should I Convert $10,000 to a Roth IRA?

There is no single answer for whether it is a good idea to convert $10,000, or any other amount to a Roth individual retirement account. Factors you should consider include your current income tax bracket, your retirement income tax rate, and when you plan to use the money or if you plan to leave it

How to Buy & Sell Scrap Gold

Buying and selling scrap gold is a great way to earn extra money. It takes no particular knowledge, formal training or degrees. The only thing you really need is a starting investment to buy your first batch of scrap gold. After that, you can roll your profits back into the venture to keep buying mo

Oklahoma Food Stamp Income Guidelines

Food stamps in Oklahoma are available to families who need help buying food and meet eligibility requirements. Income level is one of the key criteria for inclusion in the food stamp program, officially known as the Supplemental Nutrition Assistance Program, or SNAP. The federal government establish

How to Choose a Place to Live

There are countless places to live all over the world, so it can be hard just to pick one. There are many factors to consider when choosing a place to live and here are some very important ones.

How to Estimate Your Retirement Budget Decades in Advance

Guessing how much money you will need to retire can be complicated, especially if the event is years away. The earlier you sit down and plan for it, however, the more chances you will be able to retire comfortably and without stressing over money and quality of life. To estimate your retirement budg

Making Money With Forex Trading

There are many people who are having a great amount of success making money through Forex trading. By using various strategies and setups which have been used by other Forex traders is possible that investors ...

How to Convert U.S. Dollars to Pounds & Pence

British pounds sterling, also known as GBP, is the official currency in the United Kingdom. The currency is broken up into pence for the coins and pounds for the bills. However, one pence is called a penny instead of a pence. If you are planning a trip abroad to the United Kingdom, you'll need to co

Penalties for Withdrawing From an IRA

Penalties apply to IRA distributions, depending on the type of IRA you own and when and why you are withdrawing money. Some penalties are assessed by the Internal Revenue Service, while other penalties are assessed by certain investments. Understanding what leads to penalties helps you properly plan

How Much Does a New Car Depreciate?

Cars are not investments. The moment you drive them off the lot, they begin to lose value, although some lose their value faster than others. That loss in value over a car's useful life is called depreciation. It is one of the things that attracts some buyers to the used-car market. You can purchase

Advice For Help With Your Personal Finances

How you manage your finances ends up affecting every part of your life. You have to take charge of your life once and for all; this will ensure you're successfully in control of your personal ...

How to Obtain a PayPal Debit Card

In today's world, money runs best with a card. Most people use a plastic card to keep their money in instead of using cash. With a PayPal debit card, you will be able to use the money you have in your account to purchase items online, at grocery stores and more. The PayPal debit card can be used any

How to Calculate Beginning Stockholders' Equity

Stockholder's equity is the amount of a company's balance sheet that represents capital received from investors in exchange for stock, donated capital and retained earnings. Also referred to as book value, stockholder's equity is calculated based on two main sources. The first source is the money th

Wisconsin Foodshare Eligibility

The FoodShare Wisconsin program helps low-income individuals stretch their money further allowing them to purchase additional more nutritious food for themselves or their families. You can apply online, call your local Department of Human Services, DHS, or tribal office to apply by phone or in perso

Safest & Cheapest Place to Live Off Social Security

Jupiterimages/BananaStock/Getty ImagesIn a report by Liz Pulliam Weston for MSN Money, one of five retirees will have to live solely off of their Social Security checks. As such, managing the expenses of living can be challenging, particularly if safety and economics are you concern....

A Simple Technique for Getting Out of Debt Fast

The debt snowball, made popular by Dave Ramsey, is a method that allows you to reduce debt by tackling the small balances first. Getting out of debt is one of the top financial goals for many people.