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Personal Finance : Business & Finance
What Is Needed for a No Doc Loan?
A no doc loan is a type of mortgage in which the lender does not require any income documentation. These loans are commonly used by individuals who have irregular incomes and by self-employed people. To get this kind of mortgage, you have to meet certain qualifications set by the lender.
Is the Money Gram the Same As Money Order?
Although similar in name, there are clear differences between MoneyGram and a money order. MoneyGram is a global company that specializes in wiring money around the world. A money order is a form of payment that can be used in lieu of cash or a check. Each of these forms of payment has its advantage
Suggestions Which Will Help Your Personal Finance Enterprise
You will find situations when you could speculate when you are in control of your money. Financial protection depends upon choosing a self-disciplined and very clear-eyed approach to dollars. Here is some important info to ...
The Advantages of American Express Travellers Cheques
Use travelers cheques, rather than cash on your trip.money makes money image by Andrey Andreev from Fotolia.comYou plan to take a trip, but do not want to carry cash, checks or your credit cards while you travel. Another option is to purchase American Express Travelers Cheques. These...
How to Watch Videos for Free
Living on a tight budget can be challenging, but it does not have to mean the end of entertainment. As of 2009, as long as you have a computer with at least a 1Ghz Pentium class (PC) or Intel Core™ Duo 1.33GHz (Mac) processor, an operating system at least as current as Windows XP Service Pack
Tax Benefits of LEED
Green projects are popular in the building industry because they lead to developments that are environmentally friendly. A certification called LEED, or the Leadership in Energy and Environmental Design, helps builders incorporate as many green concepts as possible into their projects. For doing so,
Fair Credit Collection Act
The Fair Debt Collection Practices Act (FDCPA), an amendment to the 1968 Consumer Credit Protection Act, was originally passed in 1977 and amended in 1997. The law was enacted in direct response to growing consumer complaints of harassment and illegal activities by debt-collecting companies. The l
What Is a Debt Security?
Like individuals, corporations and governments rely on credit to finance much of their spending. Most institutional borrowing is carried out by selling debt securities. Investors who purchase debt securities are looking for reliable sources of income. Investors are also concerned with credit risk (i
Living Cheap in Retirement
After retirement, you go from having a steady income to waiting for your retirement check each month. Sometimes, retirement requires you to step back and re-evaluate your household expenses, which will enable you to accumulate the extra funds to take vacations. Whether or not you ever take an extend
Information Required for an International Money Transfer
The most common way for individuals to transfer money internationally is through a wire transfer. A number of companies exist to help with these transfers, or they can be done between banks, although banks are slower and more exact on requirements. The exact requirements depend on what kind of trans
What to Do With Cash During a Depression?
When the economy contracts, as happens during recessions and depressions, many people want to keep their assets in cash, considering it to be a safer investment than the stock market or real estate. Others look for opportunities to invest.Your decision about what to do with cash during a
Tax Advantages of Investment Account Retirement Plans
Social Security was intended to be a supplemental retirement income. Many companies have abandoned employee pension plans, or people change jobs too often to earn an employer pension. Retirement planning requires more self-reliance, but the government offers several tax incentives and...
What Is a Typical Cosmetologist Salary?
The word "cosmetics" comes from the Greek word "kosmetikos," meaning "skilled in adornment." A cosmetologist is an individual who helps clients appear at their best. They may offer services for hair, such as cutting, shampooing, styling and coloring; for nails, such as cutting, shaping and applying
Portfolio Analysis Limitations
Portfolio analysis is designed to examine an entire group of holdings, such as investments, products or properties. In portfolio analysis, you look at the forecasted returns on each item in the portfolio and make decisions about how resources should be allocated to receive optimum gain, or return. Y
How to Cut Your Rent at Home
If you rent your home, the money you pay your landlord each month for the privilege of living there is likely your biggest fixed expense. When times are tough and money is tight, you may need to find ways to cut your expenses. Cutting your rent may require some sacrifices on your part, but it's poss
What Happens If You Cash a Check That Is a Fraud?
A check is considered fraudulent when the person who wrote it either intentionally falsified information on the document or else issued the check knowing it would not clear (for example, because the account has no money in it). Sometimes, the person who tries to cash a fraudulent check is not the pe
Rollover IRA Conversion Limits
Rollover IRA conversion limits refer to two different transactions performed with an IRA. A rollover is a type of transfer of assets whether it involves an existing Roth or a traditional retirement plan. A conversion takes traditional retirement plan assets and restructures them into Roth IRA assets
A Beginner's Guide For Safe Investing In Your Retirement
Investing for retirement is a crucial step to insuring financial stability when you retire. In addition, it can provide some financial relief to any family you may leave behind. People are interested in different forms ...
Why Should You Buy Life Insurance in Singapore?
A record shows that people in Singapore with lesser responsibility and living a relatively risk-free lives tend to assume that they do not need any life coverage. On the other hand, only those paying higher ...
Can I Get a Federal Grant for a Master's Degree While on Unemployment?
People receiving unemployment benefits may be able to keep them if they enter a master's degree program and are eligible to receive other financial aid. However, the rules about being a student and unemployment eligibility can be interpreted in many different ways. A few students have been taken to