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Personal Finance : Business & Finance

Types of Individual Retirement Accounts

An Individual Retirement Account (IRA) is a personal savings plan for retirement. Essentially, participants contribute money to a government-approved trustee or custodian that manages the money until or through the owner's retirement. Contribution amounts are limited, but other features...

The Importance of Sticking to a Personal Budget

Keeping a personal budget means setting up financial limits on spending on necessities and other items. You may have never kept a budget before, but that does not mean you did not practice some of ...

How to Redeem American Express Points

If you have an American Express card, there's a good chance you're already enrolled in their popular Membership Rewards Program. It's a built-in feature with most American Express cards. You earn at least one point for every dollar you spend on your American Express card. Shopping at certain stores

What Type of Credit Builds Your Credit Score the Fastest?

Once your credit and score have plummeted, it takes consistent work and effort to rebuild good credit. Considering credit scores are used for so many things, including many job applications, utilizing methods to improve your credit rapidly are essential.

Forms to File for an IRA Withdrawal on Paid Taxes

When you've forgotten an IRA withdrawal but your taxes are already filed, you'll need to amend your tax return and state your additional income. The IRS receives IRA information from the account trustee, so it's only a matter of time until a letter arrives asking you to amend your tax...

The Starting Salary for a CAD Draftsman

Drafters, traditionally called draftsmen, prepare technical drawings and plans for manufacturing and construction workers to build a myriad of items including medical equipment, computers, machinery and buildings. With the advent of computer-aided design, drafters could create and store drawings tha

Legal Requirements of Wills in Delaware

When you begin to plan your estate and write your will, you are putting into place instructions your family and friends will follow after you die. Delaware residents' wills must comply with the relevant provisions of the Delaware Code---specifically, they must comply with the statutes in Title 12: t

Want to Reduce Medical Expenses? Know the Tips

Everyone needs to go to the hospital whether they like it or not. Everyone needs to get themselves checked one way or the other; the only problem is that medical care can be very expensive. ...

How to Correct Credit Information

Credit reports are viewed by banks, insurers and employers as a method for screening applicants. "Your credit report contains information about where you live, how you pay your bills, and whether you've been sued or arrested, or have filed for bankruptcy," according to the Federal Trade Commission w

How to Achieve Credit Repair

Credit is an essential aspect of most people's lives, but some have bad credit. Fortunately, bad credit is something that can be repaired, either through diligent effort or simply with the passage of time. If you're interested in achieving credit repair, the best thing to do is take a proactive appr

How to Submit an Offer of Compromise to the IRS

The Internal Revenue Service allow you to submit an offer in compromise if you owe more tax than you can possibly pay or if you are suffering from financial hardship due to extenuating circumstances. Filing an offer in compromise is not cheap, but in some cases it may be a better option than paying

How to File for a Social Security Number

Social Security numbers were introduced in 1936 merely to identify participants in the then-new Social Security retirement and disability benefits program. In the decades since then, they have become the closest thing the United States has to a national ID number. Applying for a Social Security numb

Finding Your Way to Financial Independence

Financial independence is having time for your family, more playing time with your wife and kids without even worrying about paying all of your monthly bills on time. It generally means freedom from all debts ...

Financial Support Programs for Disabled Veterans

Disabled veterans often have difficulty transitioning back into civilian life. This can cause financial difficulties for their families, especially when the veteran may not be able to return to work. A number of organizations exist that provide financial support for disabled veterans and their famil

How to Save All List Box Items to a Database in VB

Saving all the "ListBox" items to a Microsoft Access database using Visual Basic.NET (VB.NET) can make your application more dynamic by storing your data in a database. In VB, you can use the OLE DB interface, which is a set of COM-based interfaces that allow you to connect to an Access database. On

Can You Take a Loan Out on Your IRA?

Unlike other retirement accounts including 401(k) plans and 403(b) plans, the Internal Revenue Service does not permit loans to be taken from any individual retirement account (IRA).

Stretch IRA Multigeneration Rules

Understand the rules for multigenerational IRAs before you attempt this financial strategy.retirement worries image by Jale Evsen Duran from Fotolia.comA multigeneration stretch IRA allows you to pass your IRA account to future generations, allowing those generations to take advantage of...