After reading this article you will have the information and tools to further you goals to retire before 40.

People who receive Social Security benefits generally have worked a decade or longer for one or more employers. Social Security recipients might also qualify for benefits based on a mental or physical disability. Benefits these Americans receive often determine whether or not they can afford to pay

Depreciation is the decline in an asset's economic value where asset is defined as an economic resource. In accounting, depreciation is a catch-all term for a number of phenomena that possess a deleterious effect on an asset's value, including concepts as diverse as simple wear and tear and obsolesc

Blue Cross was originally the company that provided hospital insurance coverage. Merged with Blue Shield, which initially covered physician visits, the current Blue Cross/Blue Shield (BCBS) is a federation of 39 different companies which provide health care insurance to more than 100 million Americ

Whether you have $3 million dollars stashed away somewhere, or you are struggling to pay bills and get a steady income, there are set of principles you should follow no matter what income level you ...

The Microsoft Office software suite has programs for every possible business and personal need. Whether you buy an entry-level package or a professional one, Microsoft suites include the powerful word-processing software Word and the financial program Excel. When you need to prepare a budget, you mu

The U.S. Postal Service (USPS) will forward mail to your new address for six months if you put in a notice. It also will deliver mail to military post offices (MPO) and Army/Air Force post offices (APO) overseas while requiring merely domestic postage. Make the submission at least two weeks before y

Nursing historically has been a female-dominated field. That fact has contributed to the low-percentage of male nurses. According to statistics from the U.S. Department of Health, men constituted a mere 5 percent of the country's licensed nurses in 2004. To counter this reality, certain private orga

Paying for college may take a multi-faceted approach. A smart college student will look at federal funding, scholarships and other grants available to help pay for school. Part of the contribution may be money you and your family have earned or saved over the last year. A federal grant does take mon

Normally, paying off debt is a good thing for a credit score, but expediting your car loan could end up hurting your score. Paying off that car loan, however, could have some tertiary benefits that outweigh the potential negative item of no longer carrying an auto loan. Reread your loan agreement, b

Opening a bank account in China is much like opening a bank account in the United States. The first thing that you will have to do is find the right bank for you. Some good banks are Bank of China, Agricultural Bank Of China and ICBC. You will need between $100 and $500 to open an account. You can a

Closed items on a credit report may include old credit card accounts or paid-off loans. In some cases, keeping these items on your credit report is beneficial because it helps to establish a long-term credit history. In other cases, removing negative items can boost a credit score. After pulling a c

Modern paper money isn't exactly made out of paper, but a specially produced "currency paper" that holds up to wear and tear--even water--much better than ordinary paper. Many security features are built right into the paper to prevent counterfeiters from illegally copying the money.

A dental hygienist works closely with dentists to advise patients on tooth and gum health and to provide remedial treatments to effect it. Typical activities that a dental hygienist will perform include demonstrating effective cleaning techniques, advising about the effects of diet on teeth, descali

If you are planning a long-term stay in Japan, having a bank account makes things much easier. A bank account is required to get a landline or cell phone. Checks are rarely used in Japan so a bank account makes it easier to pay bills and receive wages.

Whether studying to be a doctor, nurse, medical assistant or other health care professional, students can choose from 67 Indiana schools that offer certificate programs and associate, bachelor and medical degree programs. For advanced medical degrees, Indiana University currently operates the only m

According to the Environmental Working Group, 10,000 deaths annually in the U.S. can be attributed to asbestos exposure. Mesothelioma, scarring of the lung tissue and several types of cancer including lung cancer are all health concerns related to asbestos.

Ray is now familiar with the basics of what and why a mediclaim is useful. There are several more questions he has for his agent, because he prefers to make an informed choice instead of ...

Getting sued can be disastrous for your retirement plan. There are laws, however, that might protect your annuity from being taken as part of a judgment. These laws provide some protection against creditors. You should understand how these laws protect you and what the limitations are so that you ca

There is no rule against owning both a Roth and traditional individual retirement account (IRA) at the same time. In fact, depending on your financial situation, having both investment vehicles might be a smart way to manage your retirement assets. However, the Internal Revenue Service (IRS) does es