While people sometimes believe credit reporting agencies wield the power in the credit scoring industry, the agencies are dependent on creditors to provide information about their accounts. Lenders can send new data to the bureaus at their leisure, although most of them send in batches of informatio

Phlebotomists are clinical laboratory technicians who specialize in drawing blood and obtaining other tissue and bodily fluid samples. Candidates for a position as a phlebotomist must typically complete a course of instruction from a technical institution, community college or vocational school last

To qualify for Social Security Disability Benefits, you must be disabled and unable to work. To receive benefits, you must have worked long enough to have paid enough income tax. Medical records and work history reports are needed to prove you are qualified for Social Security Disability...

OTC derivatives is quite nearly impossible to find eradicate as it would be an understanding somewhere between a few get togethers that many underlines one of a kind instructional materials and conditions. There's a lot ...

Students who aspire to be a football coach can choose from many majors that will prepare them for a career on the gridiron. Although schools do not offer "coaching" degrees, aspiring coaches can enroll in a number of programs that will expose them to the principles they need to succeed as a football

The U.S. government and private organizations have established programs to offer money and advantages to minority women. There are business and educational grants, as well as programs to help minority women buy and own homes. Here are just a few of the grant programs that minority females can apply

Most people sometimes tend to look down on single parents when they are a unique group of people that are gutsy, tough nuts and deserve our respect and cheers for carrying on such a hardship. ...

We have all heard the term "living within our means" as a reflection of how we choose our lifestyle. While making a budget is necessary to keep track of finances, it is also important to create a monthly schedule that reflects our true average earnings and expenses. We are then able to organize our

Properties sold at auction are final sale.gavel image by Cora Reed from Fotolia.comGovernment and private real estate auctions can provide investors with substantial deals on properties. Some properties require cosmetic changes while others may be move-in ready for prospective tenants. If...

Online shopping is becoming the norm, and items can be purchased from all points on the globe. Some international sellers can accept payment via credit card or services such as Paypal, while others can only accept international money orders.

The three major credit bureaus use the FICO algorithm, which takes into account payment history, types of credit, debt owed and recency of credit, to determine a person's credit score. Having a good FICO score -- 640 or above according to The Credit Scoring Site -- can be crucial in gaining access t

Wills control the disposition of a person's property after he dies. While the most common form of will is written, wills can take various forms. Not every state recognizes each form of will, however. Check your state's probate code to determine what types of wills are recognized. If you create a wil

A lien is a legal claim to property. Thus, if you place a lien on a company's bank account, you can legally seize money the company owes you. The question of whether you can place a lien on a company's bank account depends on how the company is structured and whether you are placing the lien for a p

Could you be the owner of lost money? There are currently billions of dollars in unclaimed money waiting for the right person to step up and claim ownership. According to The National Association of Unclaimed Property Administrators (NAUPA), one in eight Americans might be the legitimate owner of

Condos are a form of housing that connect with other units and are part of a larger structure. While individuals own a single unit, they share amenities with their neighbors, such as elevators, heating systems and playground facilities. While many individuals may dream of owning a home, condos offer

American shoppers have available a wide range of resources for coupons that --- when used with a well-thought-out plan --- can dramatically lower the overall grocery bill. The most significant savings, however, typically are obtainable directly from the manufacturer's website.

Setting up a land trust is a process that could potentially help you disguise your ownership of a piece of real estate. This is a type of living trust that you can use to hold property for you. With this type of estate planning tool, you can hold a few different types of properties.

When you buy a car you must first establish a car buying budget and then attempt to find a car that meets your needs but falls within your budget. You should research the cost of comparable vehicles, get insurance quotes and make you sure you understand the sales agreement before agreeing to buy a c

A stop-payment on a check is a request for your bank to not honor a draft written on your account. Financial institutions in the United States have different account-level-specific rules for their customers, but the process of issuing a stop-payment is similar bank to bank. There are different reaso

The Social Security Administration oversees several programs that provide cash benefits for the retired, the widowed, children of the deceased, the elderly and the disabled. Sometimes it is necessary to stop Social Security benefits because the recipient has died or is no longer eligible to receive