Personal Finance : Business & Finance
Money can be a major cause of stress for families and can negatively impact relationships between family members. Living paycheck-to-paycheck, being in debt and not having enough savings are all common causes of financial stress. Creating a family budget is the first step to gaining control over you
Anyone can lose their job or incur large medical expenses. For these or other reasons, you may find yourself stuck with a poor credit rating. However, you can repair even the worst credit with some patience and a sound financial plan. It won't happen overnight. Credit ratings are based on the risk y
Securities offer higher growth and income potential than a savings account.chart background image by Stasys Eidiejus from Fotolia.comSavings accounts in banks pay the lowest interest of any financial product.The main advantages of savings accounts is that you can add and withdraw money at...
Short-term disability insurance is sometimes provided by employers as part of a benefits program for employees. If you are unable to perform your duties at work due to an injury or other affliction, short-term disability can provide help to pay for bills until long-term disability insurance kicks in
While a 401(k) plan does not offer the same financial assurances for your retirement as a formal pension plan, it still has many appealing features. Among these are the chance to reduce what you owe in taxes, increase your account value through matching funds from your employer and roll...
Minnesota residents who find their food budget stretching thin each month may be able to qualify for help through the Food Support or Minnesota Food Assistance Program. If eligible, an individual or household may receive monthly benefits to help with the food budget. The exact amount of the benefits
Filing for Chapter 7 bankruptcy gives you the instant benefit of a legal prohibition -- called the automatic stay -- against other legal action. The automatic stay takes effect immediately and, as its name implies, automatically upon filing a bankruptcy petition with the court. Generally, this means
Leaving a debt unpaid can have severe financial consequences. In order to recover the lost funds, a creditor may attempt to force a debtor to pay. One of the legal ways of securing an involuntary payment from a debtor is through a bank account garnishment, often referred to as a "bank levy." A bank
Linda Lael Miller is the New York Times best-selling author of romance novels set in the old West. Miller wrote "McKettricks of Texas" and "Fletcher's Wife," among other novels. During her career, she has won numerous awards, including "Publishers Weekly Best Book of the Year" and the "Romantic Time
Whether you are planning ahead for the coming year, getting ready for tax season or trying to get a handle on your finances, it's helpful to have an idea of your total household income. The household income is traditionally the amount you make, along with the total contributions of a spouse, partner
Most people are being more conservative with their money and that means cutting back on entertainment expenses. One area that it is extremely easy to save money in is the cost of cable. In fact, you may find that only a few minutes worth of research will result in a savings of several hundred dollar
Numerous factors can contribute to the fluctuating costs that affect fuel, gas, and energy prices overall. Many of these characteristics might come out of nowhere, giving you little time to prepare for hefty monthly bills ...
Arizona is tucked into the southwest corner of the country and is home to a diverse group of people and landscapes. When most people discuss living in the state they speak about the larger cities such as Phoenix or Tuscon. However those cities can be quite costly to live in and there are less expens
Consumers may access their credit reports for free once a year, according to the Federal Trade Commission, if they use the Annualcreditreport.com website. They may buy additional copies directly from Equifax, Experian and TransUnion. These self-inquiries do not affect their credit scores. Banks, cre
As a banking customer, it is a good idea to look for a better deal whenever you can. Banks compete with one another all the time, offering higher interest rates, lower fees and better hours. You can use that competition to your advantage by taking advantage of those offers, but you need to use cauti
The Federal Deposit Insurance Corporation, or FDIC, insures deposits made in most banks throughout the United States. When an FDIC-insured bank fails, consumers can rest assured that they will get their money back. The FDIC insures up to $100,000 for individuals and $200,000 for joint accounts. But
This compact fluorescent light bulb is installed in a recessed can.fluorescent lamp image by Igor Zhorov from Fotolia.comFluorescent light bulbs are used in many commercial applications primarily because they save the company money on electricity bills. Many people do not realize the...