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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Is the New Jersey Homestead Rebate Taxable?

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New Jersey's property taxes are among the highest in the nation. In order to provide some property tax relief, residents meeting income limitations may file for and receive the New Jersey Homestead Rebate. While the homestead rebate is not taxable for state purposes, it must be reported as income o

How to Understand a Balance Sheet

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A balance sheet is a document used in accounting that provides an overview of a company's financial picture. The balance sheet shows the company's assets, liabilities, and shareholder's equity. No matter what the size of a company, they likely have a current balance sheet available. Balance sheets c

What Are the Types of Credit Scores?

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As a consumer, your ability to get a new loan or other form of credit largely depends on your credit score. Lenders use a variety of credit scores to determine if borrowers are creditworthy, and not all creditors use the same score. While knowing what your credit scores are and how lenders use them

What Makes the Dollar Drop?

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When you travel to a foreign country, you will likely need to exchange U.S. dollars to a local currency to purchase goods and services. The rate at which you can purchase one currency with another is the exchange rate. Exchange rates can fluctuate over time due to a variety of underlying factors, wh

401k Rollover Facts

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A rollover provides a government tax shelter option to move your retirement funds from a 401k plan to another pre-tax account. Pre-tax means funds earned but not yet reduced by payroll taxes. The most common instance of rolling over a 401k retirement account tends to occur after a person either move

How Much Can a Notice of Federal Lien Hurt Your Credit Score?

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When you owe taxes to the federal government and do not pay your tax liability, the Internal Revenue Services (IRS) will file a lien against your property. You will then receive a Notice of Federal Tax Lien notifying you that the lien was filed. IRS liens automatically attach to all of your assets,

Canadian Entrepreneur Grants

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There are a variety of business grants available to Canadian entrepreneurs. Sources for entrepreneurial grants include chambers of commerce as well as different bureaus of the Canadian government. Grants are typically awarded by province or geographical area. Most entrepreneurial grants...

How to Deal With Credit Reporting Agencies

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Credit Reporting Agencies control most of credit information on most of the people and businesses in North America and in most parts of the developed world. Access to good (low) interest rates to borrow money, access to credit for purchasing even access to insurance all depend on having and maintai

Techniques for Setting Goals

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People use goal setting to fulfill a variety of spiritual, financial, health, emotional and social or mental needs. Setting goals involves turning dreams into reality, and accomplishing these objectives can lead to improved perceptions of oneself. Individuals should learn how to plan their goals, so

What Does it Mean If Your Pell Grant Is Held for Recalculation?

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Pell grants are a form of financial aid that does not have to be paid back. Grant amounts are based on financial need, thus, students who have less financial resources receive a larger grant than those who have more financial resources. If a student's financial circumstances or school-related costs

Foreclosure Terminology

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A foreclosure can be a stressful process for a homeowner. It is complicated and can cause financial ruin, and consists of numerous stages, many of which a homeowner may be unaware. The key to successfully navigating a foreclosure process is to understand the terminology used by industry professional

How to Add a Chase Account to Quicken

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Quicken is a program that allows its users to track and manage their personal finances. The website consolidates a user's credit card, bank and several other accounts in one location to avoid navigating between websites when managing accounts. The program was developed by Intuit Inc. and is intend

Scholarships for Married College Students

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Many organizations, and some universities, offer scholarships for students who are married and enrolled in a degree program. Money is available to both undergraduate and graduate students who qualify. The rules for each scholarship can vary but most require that a student be enrolled in a degree pro

Graduate Science Scholarships

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Paying for college may be difficult enough at the undergraduate level, but financing a doctorate can be even more challenging. Fortunately, qualified students can find scholarships, particularly if they are working toward a degree in a scientific field. Funds may include tuition assistance as well a

Lobbyist Salaries

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A lobbyist is an individual who works to influence elected officials regarding various legislation for the benefit of a special interest group. A lobbyist studies proposed legislation to evaluate the potential effects on a client's interests, and contacts elected officials, such as senators and repr

Your Financial Empire Won't Build Itself

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The beginning of this new year brought the usual promises of resolutions and inevitable statements of how much was going to be accomplished or that 2013 was the year. Now, there is nothing wrong in ...

What Is the Best Way to Pay Off My Credit Card Debt?

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The best way to pay off credit card debt isn't drawing from your home equity or borrowing from your 401(k) savings. Rather than liquidating your personal assets to pay down debt, the Federal Trade Commission and other credit experts recommend you do it the old-fashioned way: form a budget and stick

What Do Credit Report Ratings Mean?

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Your three-digit credit score could separate you from other candidates when applying for a job and cost you thousands of dollars over your lifetime on loans and other services. Credit scores are a mathematical analysis of your riskiness as a borrower. If you take the time to understand what goes int