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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How to Budget Food Expenses for a Single Person

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According to the 2011 United States Department of Agriculture report, the average cost of food for one individual for one month ranges from $176 to $347.70 in the United States. While this can vary depending upon the cost of living in your town, this is a good model upon which to base a budget for m

Home Grants for Single Moms

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All Americans have a right to the American dream.Brick family house image by tarheel1776 from Fotolia.comThe American Dream motivates everyone, single mothers included. However, problems with housing loans may prevent single mothers from realizing that dream. Several first-time homebuyer...

Cash for Gold

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Getting cash for gold is an extremely popular concept today. Many people who have gold that is broken or that they do not wear is selling it to get money. Every Pawn shop and gold ...

Top Tips for Cutting Household Bills

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If the recession taught a lot of us anything, it's how easy it can be to save pennies here and there. However, some people are still unsure of what they can do to spend less ...

How to Get SSI for Disabled Children

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Supplemental Security Income, or SSI, pays benefits to adults and children who are blind, disabled or over 65 years of age. Children who become disabled or have been disabled since birth can qualify for SSI, depending on the type of disability they have, the family income and the length of time the

How Long Does It Take for Derogatories to Go Off Your Credit Report?

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The Fair Isaac Corporation, which is responsible for the FICO scoring formula, intends its credit scores to be an accurate risk-assessment tool for lenders. Derogatory accounts on your credit report signify that you pose a lending risk for businesses. Therefore, failing to pay debts lowers your cred

How to Become a Western Union Representative

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Western Union deals with the transfer of money between both individuals and businesses. It works both domestically and internationally. Western Union representatives need strong customer-service skills and a basic understanding of money, and strong basic math skills help, too. Apply at a local Weste

Grants for Opening a Sober Living Home

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Sober living houses are residential homes or housing units for individuals to live in alcohol- and drug-free environments. Although some sober houses do provide alcohol treatment services, they are not to be confused with alcohol treatment centers or rehab homes. Grants from federal and state govern

Sell Your Old Laptop to Get Fast Access to Money

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When times are tough, Americans often dont know where to turn to get the money they need. Unfortunately, the poor economy has left a lot of people struggling to make ends meet on a frequent ...

How to Evict Your Spouse When His Name Is Not on the Mortgage

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The home you own is not only a source of shelter: your home is an investment and place to share with someone you love. If you have to evict your spouse, and his name is not on the mortgage, you must follow the proper channels of law to avoid counter-suits. General disagreements that come along with

How to Increase Your FICO Score

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Understanding you FICO score is the first step in improving it. Let's say you have a FICO score under 620. This means you will not be offered the best interest rates when applying for a loan and will pay significantly higher rates. People with a FICO score of 760 and above get the best interest rate

How Can My Child Get Grants for School?

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The costs of higher education can be daunting. Many parents look to financial aid to help pay for their child's college education. Student loans do not always cover the full cost. However, many scholarships and grants -- which do not have to be repaid -- are available from private and public sources

How to Calculate Military Retirement Points

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At first glance, the military retirement system may seem confusing. There are three main non-disability retirement programs, and the plan that pertains to you depends on the nature of your service and your date of entry into the military. Regardless of your plan, in order to retire, you'll need at l

Cash Option Retirement Vs. Pension

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Retirement should be cause for celebration. Important financial decisions loom throughout your career to improve your chances of transitioning into a comfortable retirement. Employers may offer lump sum cash payouts alongside pension annuity packages to fund retirement dreams.

Bank Requirements for Social Security Numbers

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Opening a bank account requires a social security number.bank card 8 image by chrisharvey from Fotolia.comA social security number (SSN) is a nine-digit number issued by the Social Security Administration to all U.S. citizens, permanent residents and temporary working residents. The...

Checking Account Garnishment Procedures

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Checking account garnishment allows a creditor or debt collector to withdraw funds from your checking account without your permission. The money is used to satisfy a debt that you did not pay, and the effects can be devastating as you are denied access to all of the money in your checking account. T

Annual Salary of a Mineralogist

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Minerals are one of the key components of the Earth's geological make-up. Mineralogists are geoscientists who study these resources. They determine and classify the physical characteristics of minerals, determine uses for various mineral compounds, or examine precious stones to determine shape, mark

How to Check a Credit Rating for Free Online

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Credit ratings are a measure of creditworthiness and are used by financing institutions and businesses to gauge the level of risk involved when lending money. If you are a business owner who wants to check your own or a vendor's credit rating, there are several companies that offer a free credit che

How to Reinstate My Credit After Bankruptcy

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Credit ratings take a major hit after a bankruptcy, and reinstating your credit or getting back on the right track requires quick action and better credit habits. There are numerous ways to reestablish your credit history after bankruptcy and build a good rating. The key is knowing where to look for