Several things can happen to lower your income in a slow economy. If you are a salesperson, your commissions may be smaller, or you may be part of a layoff from a job you have had for years. Whatever the reason, living on less money is not easy and takes some adjusting and discipline. However, ther
You can become a millionaire in a number of ways. The easiest is to inherit the money or have it gifted. Other millionaires make their money through hard work, ingenuity and sometimes a little luck. Entrepreneurs can become millionaires by building a business. A number of professional careers allow
Rest assured: you can take out a loan even if your credit is poor. Car dealers, appliance stores and other merchants can steer you to options for obtaining financing even if you have poor to bad credit. You also can find options on your own. You may pay a higher interest rate than people with good c
Both the Roth IRA and the variable annuity are widely used retirement account types, each with its own pros and cons. There are some important differences between the two, and understanding these differences can lead to an informed and educated decision about how and where to best invest your hard-e
It seems everyone now a days is trying to supplement their income. The cost of gas is ever increasing again along with food, necessities and you name it. There does not seem to be any light at the end of the tunnel just yet for many of us. So we need to bite the bullet and get creative with money ma
The primary difference between an executor and a conservator is that an executor handles the disbursement and the financial affairs of an estate and a conservator handles the financial affairs of a living person. Generally, a conservator is appointed by the state for people who have physical or ment
Banks, credit unions and most financial institutions invest the money that you deposit and pay you an interest fee as compensation. The interest rates vary widely. Learn how to calculate interest rates to find the bank that rewards you the most.
What exactly is Bitcoin? Everyday we can hear voices that are telling that Bitcoin can successfully replace traditional currency and in future the paper-money will be the song of the past. So what exactly is ...
Western Governors University (WGU) is an online university that was chartered by 19 governors of western states in 1996, and enrolled its first students in 1999. As of 2011, WGU serves over 23,000 students from all 50 states. The primary purpose of WGU is to provide skill-based training and educatio
A disability is generally used to describe a person's lack of ability. A disability that meets the standards set by the Social Security Administration are much more strict.
Manage your money online with Internet banking.working place image by Mykola Velychko from Fotolia.comTwenty-two million adults in the UK used Internet banking on their main current account in 2009, according to UK Payments Administration. Most people use it to check their account...
Your credit score determines the interest rate you'll pay on an extension of credit. It can also prevent you from qualifying at all. A FICO score runs from 300 to 850 and if you're considering obtaining a line of credit, it's prudent to understand how that will affect your credit score.
Money Market Instruments and their Benefits and Advantages This is used by institutional investors (companies and organisations) and individuals who wish to make highly liquid investments. The general objective of using a money market instrument ...
Checking that all the "I"s are dotted, "T"s are crossed and punctuation is in place, a proofreader does more than just spot grammatical errors. Proofreaders combine a grasp of the English language with sleuthing skills and an understanding of a particular industry to keep that organization's communi
When you do not have a job, it is only a matter of time before you may need help with securing basic needs such as housing. The U.S. Department of Housing and Urban Development can offer rental assistance through the Housing Choice Voucher Program or public housing properties. HUD's mission is to he
When you become disabled, paying the bills and buying the necessary items required to live can be difficult. To help fill this financial void, the United States government created a program known as Supplemental Security Income. If you qualify for the program, you can get cash benefits to help pay f
As an American worker, you have several benefits to which you may be entitled from the taxes you pay and depending on certain qualifications. Most of these benefits are provided through the government organization known as the Social Security Administration. This federal entity is funded through Soc
Designing a budget is a time-consuming process. It's important to take into consideration all of your expenses and financial goals when you plan your budget. There are different ways to design your current budget --- you need to find the right design for you. You may combine the different types of b
Any official acknowledgment of debt, or an IOU, constitutes as a cash flow note. These are records of payments that are to be made over a specified length of time with accrued interest. Notes are often sold at a discount by people who prefer a cash settlement over the monthly payments. Investing suc
If you are disabled and unable to work, Social Security Disability Insurance (SSDI) is a federal government program that can provide monthly benefits if you are unable to work for a year or more. The application process for disability in Florida can take a year or more so you should apply as soon as