Personal Finance

How to Rent an Apartment With No Job

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If you are ever in a situation where you are looking for a place to live before you have a job in that area you might think that it will be impossible to rent an apartment without a job. That is not true. In fact, you can rent an apartment with no job as long as you have a way to prove that you can

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Disability & Food Stamps

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Food assistance is a federally mandated program. It is now called the Supplemental Nutrition Assistance Program, SNAP, instead of the Food Stamps Program, and is run by state governments. SNAP aims to provide low-income families and those receiving social security and disability payments the opportu

What Are ACH Transactions?

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Most Americans, at one time or another, have used the Automated Clearing House (ACH) for financial transactions, whether they realize it or not. If you have ever had funds, paychecks for example, electronically deposited, you have benefited from this type of financial transaction. And because ACH tr

How to Protect Your 401(k) from the Falling Dollar

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Some investors worry that the U.S. dollar could fail or lose value against other major currencies such as the euro or the Japanese yen. To protect themselves from losses due to the possible devaluation of the dollar, they invest in international funds. Most 401(k) plans include a variety of both agg

What Is SafeLink Wireless?

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Well-known from its prolific television advertisement campaign, SafeLink Wireless is a subsidiary of prepaid phone company TracFone Wireless. The company offers free, government-funded Life Line cellphone service to income-eligible individuals and families who meet specific eligibility requirements.

How to Make More Money Fast

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If you've recently (or not so recently) found yourself unemployed, or are simply broke due to rising prices, you need to find a way to make more money fast! Fortunately, there are some things you can do to bring in some extra money right now!

The Veterans Benefits Improvement Act of 2004

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The Veterans Benefits Improvement Act of 2004 is a federal act that applies to all states and territories of the United States. The act improves the benefits offered to veterans in the areas of education and housing and extends the provision of benefits already offered. The act consists of several t

APR Vs. Effective Interest Rate

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Interest rates can be confusing. Sometimes they are expressed as an annual rate (i.e. APR), sometimes they are expressed for the compounding period (i.e. interest per month), or as annual percentage yield (APY). The confusion is that all of these numbers mean different things when applied to real wo

Getting Debt Help When Your Debt Seems Unmanageable

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Knowing how serious your financial problems are is the first step toward attacking debt. Your income and other personal financial circumstances along with the amount of debt you carry will determine whether you have a ...

How to Report IRA Withdrawals on a Tax Return

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While withdrawing money from an IRA account may be a simple matter, reporting the withdrawal on your tax return can prove to be more complicated. Depending on your age, the amount of the withdrawal and other factors, the taxation may be different--and it may involve penalties.

Stopping a Checking Account Lien

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Paying the DebtThough it may sound obvious, the only way to stop a lien from being placed on a checking account is to pay back the outstanding debt. The reason creditors place liens on banking accounts, property or taxes is because they have no other way of getting the overdue borrower's...

Limits on Income While Receiving Social Security Benefits

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Social Security beneficiaries counting on other income may discover that such income reduces their Social Security benefits.Making a financial plan image by Allen Stoner from Fotolia.comSocial Security provides monthly income to 50.7 million beneficiaries, including over 7.2 million...

Are Tax Penalties & Interest Deductible?

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April 15 looms each year as the date when most wage-earning Americans must file a federal income tax return. As the taxpayer assembles his information and begins the yearly process of preparing his return, he looks for deductions and credits that legally limit his tax liability. He must also determi

IRS Definition of Financial Hardship

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It might be possible for individuals who are facing financial problems to withdraw some of their 401(k) retirement savings without being penalized by the IRS. However, they must meet the IRS definition of financial hardship to do so.

Information on Checking Accounts

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A checking account is a safe and inexpensive way to keep your money where you can get at it easily. In fact, if you've been using money orders and cashing your paycheck at a check cashing service, chances are you'll save money by opening a checking account. Before you apply for a checking account, m

How to Calculate the RMD for an IRA

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If you own an IRA account and are over the age of 70 1/2, the Internal Revenue Service (IRS) requires you to take a distribution on an annual basis. Known as a "required minimum distribution" or RMD, this amount changes from year to year based on a number of factors and it can be confusing to determ

Should You Pay to Increase Your Credit Score?

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The fastest way to increase your credit score is to pay off outstanding balances on credit cards and loans. Increasing your credit score is all about making payments on time to creditors consistently and communicating with them when you can't pay your bills.

How to Request Unemployment for the Previous Week

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Unemployment insurance collection laws and procedures vary from state to state, but some procedures are handled in a consistent way. One such consistency is the need for the unemployment insurance recipient to file a regularly-scheduled benefit claim by either visiting the state unemployment website