What Hurts Your Credit?

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Fair Isaac Corporation (FICO) determines your credit score based on a formula that applies a percentage to each item. When you apply for a loan or a mortgage, the lender checks your credit. Often prospective employers and landlords also check credit. Your auto insurance company bases the rate you pa

Why a Will & Testament is Important

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How to Check Credit Reports

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Checking your credit report involves contacting the three major consumer credit reporting bureaus (TransUnion, Equifax and Experian) over the Web, by phone, or by mail and requesting copies. The bureaus provide both electronic and document versions of the reports to those who request them. American

Private Debt Vs. Public

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Debt is money owed by a borrower to a lender, and interest usually is charged on the amount of the debt. Private institutions are owned by individuals and companies; public institutions are owned and controlled by the government and funded by tax dollars. Both private and public institutions take ad

Rules for NAIA Scholarships

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The National Association of Intercollegiate Athletics (NAIA) is a sports organization made up of 300 colleges and universities in the United States and Canada. Most members of the organization are small- to medium-size institutions, unlike many of the large universities in powerhouse athletic confer

Am I Eligible to Contribute to an IRA Retirement Plan at Work?

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If you are eligible, funding an individual retirement account (IRA) can be an effective way to supplement your other retirement accounts. You may be eligible to contribute money to an IRA each year, even if you are covered by a 401k plan or other retirement plan where you work.

Budgeting Your EMI in Your Income

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Did you ever wonder why your EMI is generally restricted to 30% or 40% of your monthly income? Here is why.Salary details, qualifications, employer/business, years of experience, growth prospects, alternate employment prospects and sources of ...

Time Value of Money

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Time Value of Money What is more valuable? Rs. 1000 today or Rs. 1000 after a year? Read more to know the answer. Everyone will intuitively pick the answer €Rs. 1000 today'. For who knows ...

Why Is it Good to Have a Savings Account?

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When emergencies resulting from a job loss or natural disaster occur, it is beneficial to have a savings account that has enough money to cover up to six months of expenses until the situation improves. This is especially important in these tough economic times.

Saving Money With A Horizon Milk Coupon

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Why pay full price for your organic milk when you can save money with a Horizon milk coupon? Horizon are one of the top organic milk producers in the US, and the quality of their ...

How to Close AIM in My Yahoo! Account

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Yahoo! mail offers you the option of importing contacts from other email and instant messaging accounts, by signing in to that account inside your Yahoo! account. You can even import contacts from your AOL or AIM buddy list. Because of the way Yahoo! interacts with some smartphones, you may end up w

How to Rollover Your 401k Plan to a New 401k Plan

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Rollover your 401K plan from an old employer to a new one is beneficial because having many 401K accounts can have lots of maintenance fees per year. It will eat into your final retirement funds. People from the older generation stay with the same employer for their entire career; however, this is

How to Maintain Good Credit While Finding a Financial/Credit Counselor

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You've worked hard over the years to build and maintain your good credit history. However, an economic downturn makes it more difficult to pay off your debt and keep your good credit. If you know you're at risk of ruining your credit, then you may find it beneficial to work with a financial counselo

How to Apply for a Workforce Investment Act Grant

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In 1998 Congress passed the Workforce Investment Act to replace the Job Training Partnership Act, created in the early 1980s. Included in the structure of the WIA is a service program for adults and displaced workers designed to provide employment assistance and training. The grant portion of the pr

How to Make a Cheap Grass Seed Spreader

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How to Make a Cheap Grass Seed Spreader. For small patching areas, a homemade grass seed spreader does the trick and saves you money. Store bought spreaders include the drop and broadcast models that you push and handheld spreaders that usually have a crank handle. Make your own cheap model from con

How Long Do Bank Transfers Take?

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The time frame for a bank transfer can vary depending on the method used and the type of transfer you are interested in. Find out which method is the most effective and helps you meet your goals and objectives. Some of the time frames can vary from bank to bank. Call your bank to see what its meth

Short Sales 101 

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With the dramatic rise in the number of foreclosures over the last couple of years, short sales of homes have become a very popular technique to avoid costly foreclosures. If you are in financial trouble ...

How do I Invest in Funds or Savings for College?

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College saving funds will help to ensure your children attend the college or university of their choice. However, many parents do not know where to start due to the vast amount of information out there. It is easy to feel overwhelmed when you see college tuition rising and job salaries that do keep

Can an Employee on Unpaid Leave Receive Unemployment?

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If you're on unpaid leave from your job, you're not drawing a paycheck, so you may wonder if you're entitled to unemployment benefits. If your leave is voluntary. you probably aren't entitled to unemployment pay, because, technically, you still have a job. You don't meet the requirements for drawing

How to Reapply for Florida Food Stamps

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The food stamp program is helping many Americans get through these tough financial times. These programs allow parents to feed themselves and their families nutritious meals that they otherwise could not afford. Thankfully Florida, like most other states, has made the process for getting these benef