Applying for a credit card will affect a credit score. Applying for a personal loan will affect a credit score. And, most definitely, applying for a mortgage will affect a credit score. Every time an inquiry is made from a creditor to receive a copy of a consumer's credit report, it will drop her sc

Using only cash will not help you rebuild your credit after bankruptcy.dix dollars, 10 dollars, ten dollars, dieci dollari, ten box image by Blue Moon from Fotolia.comIf you are facing huge credit card debt, bankruptcy may be the only option to keep your family from putting every last...

Online teaching is becoming more and more popular today because people find it easier to do and the money they earn is enough to cover up their expenses. Earning money with online teaching is one ...

If you leave your job, are unhappy with your 401k provider, or just want a change, you are allowed to move funds from your 401k to an IRA. The procedure is relatively straightforward, but there are certain regulations that you must obey to avoid any adverse tax consequences. Additionally, you should

There are many considerations to using a debit card.Credit card globe image by patrimonio designs from Fotolia.comDebit cards, also known as check cards, have both positive and negative points. Debit cards look like credit cards, but they are linked directly to a checking or other bank...

Everybody knows so as to health insurance overheads in the field of America are rising by the side of unsustainable charge, and many are looking in favor of ways they can save. Area of high ...

There are several factors used to determine the interest rate charged to customers. Banks will set their interest rates based on demand for certain products, such as mortgages and automobile loans. Interest rates are also determined based on what costs a bank incurs to borrow money. The prime rate i

The present value of an annuity is the value of all future payments after backing out, or removing, the interest each earns between the present time and the time of payment. The present-value formula that backs out these interest rates is PMT/(1+i)+PMT/(1+i)^2 +...+PMT/(1+i)^n, where "n" payments of

Money can be hard to managemoney money image by Valentin Mosichev from Fotolia.comNumerous money management tips can be found online. However, it can be difficult determining which ones are effective for your personal financial situation. Review each tip and its source to determine if it...

The Georgia Department of Labor administers the state's Unemployment Insurance Program. Applicants who are unemployed through no fault of their own or partially unemployed for a lack of available work qualify for unemployment benefits if they look for suitable work and remain able to accept employme

Many retirees should start thinking about their annuity and pension options as early as possible to ensure that they achieve the best annuity deal and have the best type of annuity to suit specific circumstances. ...

Your credit score is based upon information contained within your credit report. According to FICO, five specific criteria factor into your credit score. Once you learn what those factors are, you can focus on improving your credit in these specific areas and legally raise your credit...

Failure to repay a student loan can lead to a federal tax refund offset, which could delay your tax refund check. An offset occurs when a portion of your federal income tax refund is withheld to settle an outstanding federal or state debt, such as student loans or delinquent taxes. The Treasury Offs

When you are ticketed for speeding in Colorado you are given a printed ticket. This ticket comes with a claim number. You need this number in order to pay the fine through the county or town you are caught speeding in. If, however, you can't seem to find the speeding ticket it is still possible to p

Qualified Roth Individual Retirement Account withdrawals, called distributions, are tax-free, including any earnings your account accrues. Unqualified withdrawals, however, may be subject to a penalty.

Unemployment benefits, also known as unemployment insurance, are a form of payment made to workers who are eligible and willing to work but who have recently been forced out of a job. The amount of benefits that a person receives will be based on a number of factors -- chiefly, how much he made whil

Trading Technologies manufactures a type of stock market trading software. They are considered as one among the most reliable software companies and their products serve close to forty countries across the world. Their software experts, ...

Finance management is one of the things that everyone needs to be conversant with at some points in their lives. This is mainly because it helps a lot when it comes to the planning and ...

A custodial IRA is established on behalf of a minor child who is eligible for IRA contributions. Eligibility requires earned income in the year the contribution is made but doesn't need to come directly from income. This means parents or grandparents can gift the contribution into the IRA. Taking mo

An investment tax credit is an incentive offered under federal or state tax rules to individuals or corporations that invest in a project or business deemed worthy of favorable tax treatment. Since the early 1960s, when Congress passed the first investment tax credits, several different versions of