U.S. paper money states on it that it is "legal tender for all debts," and a money order entitles the recipient to collect cash for the amount of the order. As a result, you might believe a money order would count as legal tender, too. It does not. Very few things qualify as legal tender.

Survivorship means that if you have a joint account with someone else -- a business partner, your spouse, your parent -- and one of you dies, the other account holder inherits full ownership. If there are multiple account holders, the deceased's share is divided among all of them. Survivorship can h

Registered nurses, or RNs are an integral part of a healthcare team. They teach patients to manage and treat illness, explain treatment plans and help administer medications. The employment outlook is "excellent," according to the Bureau of Labor Statistics. Prospective nurses in Pennsylvania can ap

Two retirement plans that some employers offer to their workers are 401k plans and 403b plans. Both of these plans are tax-deferred accounts, which means that the money is put into the account with pretax dollars and is reported as taxable income when you withdraw it at retirement. Both types of pla

In the United States, a credit score is a numerical value, which represents a potential borrower, mortgagor or lessor's creditworthiness--the likelihood that he'll repay a debt. Three main credit bureaus tabulate scores for individuals based on factors such as past payment history,...

At some point during your military service, you may find that you need to change the account into which your pay is deposited. For example, if you are overseas, you may need to change to a bank that offers services near your duty station. Regardless of the reason for the change, you must complete a

Ordinarily, the Internal Revenue Service (IRS) enforces a 10 percent penalty on early Roth individual retirement account (IRA) withdrawals, also called distributions. But if you're buying your first home, you might qualify for a penalty exception.

Traditional pension plans, also known as defined benefit plans, used to be the standard for retirement. But these days, workers are more likely to contribute to defined contribution plans like 401(k) and 403(b) plans. These plans allow workers to put money aside from every paycheck to save for retir

Phlebotomists draw blood from patients for various tests and collect blood and plasma for donations. Some perform basic laboratory procedures and clerical tasks. As of 2011, demand for phlebotomists is high, according to the Milwaukee Area Technical College website. About 75 percent of Wisconsin phl

Individuals collecting disability benefits can work part time, depending on their insurance coverage. There is public and private disability policies that allow workers to earn income and still receive benefit payments. However, disability insurance plans typically reduce benefits paid to individual

The Investment Advisers Act of 1940 was passed by Congress in conjunction with the Investment Company Act of 1940. This act required investment advisers who met specific criteria to register with the United States Securities and Exchange Commission (SEC). The SEC is the federal regulating agency tha

Creating a joint account may be useful for couples who share expenses. If you and your boyfriend have decided to join accounts, you can do so easily with the appropriate identification. The process for having your name added to an account differs by bank, so make sure you have the appropriate docume

Becoming a commercial pilot can be a lengthy and expensive prospect. Most airlines require commercial pilots to have college degrees, according to the Bureau of Labor Statistics. In addition, commercial pilots must have thousands of hours of flight time and extensive ground school training. Each air

Understand the security benefits of retirement mutual funds.stock market analysis screenshot image by .shock from Fotolia.comMutual funds are a popular retirement investment. Funds are typically made up of stocks, but may also be comprised of bonds as well. While IRAs, 401(k)s, and other...

Long Term Investment and Financial Planning Our world is so strongly set on short-term gain that this may not seem like popular concepts to many. Yet any Certified Financial Planner (CFP) would recommend a diversified ...

Job training requirements for a payroll specialist vary widely. While not all positions require on-the-job experience or training past the high school level, we explore in this article the options of earning a certificate degree or two graduated levels of certification offered by the American Payrol

If you just recently graduated from school and have landed your first full-time job, you may think that it's quite early to start being concerned with your savings and where you are investing your money. ...

Creating a Pandora account allows you to use the online radio application, save your created stations and share them with friends. If you find that you no longer need or want to use this service, you can close your account. Don't waste your time poking around on the Pandora site to complete this tas

Payday loans go by a number of different names including check-to-cash, cash advances, short-term personal loans, check loans, and check cashing services. The practice typically involves a borrower writing a personal check in exchange for cash, less a fee, with the understanding that the lender will

In these interesting and stressful economic times, self evaluation of one's financial situation is always merited. Many of us spend some analyzing investments strategies as part of our overall strategy to meet whatever goal you ...