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Personal Finance : Business & Finance

How to Create a Family Budget Spreadsheet

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

Working With Your Directional Bias

Keeping an open mind and staying available for valid trading opportunities. It is common to hear traders say they are €bearish€ or €bullish€ on a certain currency pair. This is often warranted due to the ...

Advice to Repair Credit

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

The Advantages of Investing in a Securities Market Versus a Savings Account

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...

Can a Credit Score Keep You From Getting Hired?

It's common knowledge that credit scores are crucial for getting loans, qualifying for credit cards and obtaining financing for home purchases. In addition, some employers may factor your credit rating into the hiring decision.

My Short-Term Disability Was Denied: What Can I Do?

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

Advantages of 401(k) Plans

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 Food Stamp Guidelines

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

What If I File Chapter 7 Before a Summary Judgment Hearing?

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

What Happens When Bank Accounts Are Garnished?

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 Scholarships for Women

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

Should You Invest in Life Insurance?

The purpose of life insurance is to provide a source of income, in case of death, for your children, dependents, or other beneficiaries. (Life insurance can also serve certain estate planning purposes, which we won't ...

How to Calculate Household Income

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

How to Get Cable Deals

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

Energy Price Protection During Rocky Economic Times

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 ...

Cheap Places to Live in Arizona

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

Is My Credit Score Affected If Someone Conducts a Credit Search on Me?

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

Should I Cancel One Bank Account Before Opening Another?

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

How to Pay Bills When Your Bank Is Seized by the FDIC

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

Economic Impact of Fluorescent Light Bulbs

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...