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Personal Finance : Business & Finance

The Exchange Traded Fund, or ETF

The Exchange Traded Fund, or ETF Exchange Traded Funds or ETFs are relatively new investment vehicles. In 1993 Standard and Poor's Deposit Receipt (SPDR, pronounced "Spider")1 was the first ETF to be traded. Since then ... ...More...

How to Determine Required IRA Disbursements

If you have a traditional IRA, you can begin taking distributions when you reach the age of 59 1/2. But once you reach age 70 1/2, you must start taking required minimum distributions from your IRA account. If you fail to take the required minimum distribution from your IRA, you face an excise tax o...More...

Subsidized Housing for Families

Subsidized housing is a government-supported system that provides low-income families with affordable rental places to live. The U.S. Department of Housing and Urban Development, HUD, supervises the federally-funded program....More...

How to Figure Out How Much Each Roommate Owes

Figuring out how much rent each roommate owes in a given month can lead to arguments, but really is not a difficult process. Most roommates divide the rent and utility bill up equally. Other times, a roommate with a smaller room is allowed to pay less than the roommates with larger bedrooms. The amo...More...

Structured Settlement And Fixed Annuities Who Should Buy?

Structured settlement is a financial compensation paid over an unlimited period of time. In simple terms, structured settlement is a financial agreement to compensate for personal injuries, in periodic payments. Annuitants receive fixed annuity payments ... ...More...

How Is Bad Credit Removed From My Credit Report?

Negative entries such as charge-offs and repossessions can remain on your credit report for up to seven years. A bankruptcy can remain for as long as 10 years. By law, the three major credit reporting bureaus--TransUnion, Experian and Equifax--must remove outdated negative information, according to ...More...

How to Check Your Account Online With Bank of America

Bank of America is one of the largest banking institutions in the U.S. Since its inception, it has absorbed a number of smaller banks, including Fleet Bank, a former Massachusetts bank. While you can always stop in at your local Bank of America branch, many customers choose to do most of their banki...More...

How to Repair Bad Credit Online

Credit repair means getting rid of delinquent accounts and other hurtful items that show up on your credit bureau reports. The three credit bureaus, which are Experian, Equifax and TransUnion, provide credit reports online and give you a way to dispute information electronically so it can potentiall...More...

Fast Ways to Raise a Credit Score

Follow these tips to make your credit score climb as fast as possible.golden arow on black image by Tomislav from Fotolia.comYour credit score is what lenders look at to determine whether or not to let you borrow money. If one or more incidents in the past have caused your credit score to......More...

6 Financial Planning Misconceptions Demystified

Let's start the useful exercise: Financial planning may mean different things for different people. Some assume that they need no financial planning as they have very little finances. Still others believe that once they have ... ...More...

How to Change the Amount of Taxes Taken Out of a Payroll Check

In the United States, our tax system withholds money from your paycheck to be applied against taxes that you will owe for the current year. Your employer calculates the amount of tax to withhold based upon the information that you supply. By changing this information you can change the amount of tax...More...

How to Claim Student Loans

The Internal Revenue Service allows taxpayers to claim a tax deduction for student loan interest paid during the year. The IRS classifies this deduction as an adjustment to income, meaning it can be claimed on top of the standard deduction. However, in order to claim the deduction, your modified adj...More...

How Can a Savings Bond Be Worth Less 15 Years Later?

It is not possible to lose money in a U.S. Savings Bond, because it earns interest and grows in value each year. If it appears a bond lost value over 15 years, there is a misunderstanding concerning the initial amount invested in the bond. The function of savings bonds makes this type of misundersta...More...

Mortgage Life Insurance - Buying Your First Home

Consider mortgage life insurance when you buy your first home. Everyone will likely agree that purchasing your first home is one of the most important decisions you will likely make. Many thoughts go through your ... ...More...

Credit Card Advice for College Students

College is a time when many students get their first credit card. Students entering college are usually 18, so they are able to legally sign for a credit card for the first time. Credit card companies visit campuses in hopes of obtaining lifelong customers. Although signing up for a credit card can ...More...

The Best Way to Establish Credit

Your credit is your reputation for repaying your debts, which allows you to spread payments over time rather than paying for something up front because the lender can trust you to pay it back. Your credit builds slowly so it is beneficial to start accumulating a positive credit history as soon as po...More...

What Happens to Your 401(k) When You Are Unemployed?

Whether you leave your job voluntarily or involuntarily, you need to decide what to do with your 401(k). You have a number of options, and reviewing each one can help you make a wise decision. Making the wrong move with your 401(k) could cost you a lot of money and set your retirement planning back ...More...

The Advantages of a Self-Settled Trust When Receiving SSI

Estate planning involves more than making preparations for your funeral and determining what to do with your property when you die. It is also includes taking steps to protect your own well being in the event that you become sick or disabled. If you qualify for or receive government benefits, a self...More...

How to Calculate Interest payment

The periodic charge you pay on loans or to credit companies for purchases is known as interest. The amount of interest is assessed as a percentage of the original loan or purchase, which is called the principle. Depending on the type and terms of the loan, the rates can vary, and you can often get a...More...