Personal Finance : Business & Finance
Vcom is a financial self-service terminal located inside selected 7-Eleven stores. It offers such services as check cashing, cash advances, check deposits and money transfers. In 2008, Vcom partnered with MoneyGram International to accept and distribute MoneyGrams. This allows friends and family mem
Before 2010, you could not convert traditional individual retirement accounts (IRAs) or employer-sponsored plans, like 401ks, to a Roth IRA if your adjusted gross income (AGI) was more than $100,000. A 2010 law removed that cap. There is also a loophole that allows you to open a Roth IRA if you exce
Statisticians work for a wide range of employers, such as government agencies, scientific research and development firms, insurance companies and pharmaceutical manufacturers. Statisticians with a master's degree or a Ph.D. have better opportunities for advancement, according to the U.S. Bureau of L
A car dealership can take back a car that is not approved for financing, even if it let you take the car and led you to believe a bank approved your loan. Consider pursuing financing on your own and learn how to avoid this issue in the future.
Food stamp programs provide aid to American families in need. Not all needy families receive the same amount in food stamps. Food stamp agencies use your salary as a method of determining your level of need. In order to qualify for food stamps, both your assets and household income must not exceed t
The U.S. military reserve has excellent retirement benefits, which are the same across all branches of the military. If you work exclusively for the Air Force reserve, you can expect to receive retirement payments between 50 and 75 percent of your working salary. This amount varies depending on your
Congress first rolled out the traditional IRA in 1974 with the Employee Retirement Income Security Act, popularly known as ERISA. Their intent was to help provide an incentive for workers to set money aside to provide for their own retirements, and they granted a tax deduction and years of tax defer
The Roth IRA is a tax-sheltered account, which means as long as the money remains in the account, you do not have to report it as income on your taxes. However, when you start taking distributions from the account at retirement, you must report the income on your taxes even though the money is not t
Probate is a legal process that happens when you die. The probate process is designed to legally transfer property out of your name into the name of an heir or beneficiary, help ensure the terms of your will are carried out properly, and pay off any outstanding debts, such as your funeral bills, est
An interest rate tells you how much money you will pay on money that you borrow or that you will earn on money that you loan. The interest rate that most people are familiar with is the nominal interest rate -- that is the state rate of interest on a loan. This doesn't give a full picture however; t
The Institute of Electrical and Electronics Engineers released its first set of standards for surge suppressors in 1966, called IEEE 587. Expanded and renamed as IEEE C62.41, those standards still act as the definitive industry guide to surge suppressor design and usage. It has become increasingly c
Harvard University ranked first among all universities in the United States on the "Best Colleges 2011" ratings from "U.S. News and World Report." For the 2010 to 2011 school year, the cost of one year of tuition and fees at Harvard was $38,416. Approximately 70 percent of all students at Harvard re
Temporary workers are eligible for unemployment benefits between job assignments and in some cases during periods of part-time, temporary work. The eligibility requirements are the same for temporary workers as they are for unemployment full-time workers. However, since temporary workers often trans
The Fair Credit Reporting Act is a federal law that grants consumers the right to view, challenge, and protect the information on their credit reports. In addition to these protections, the FCRA restricts the length of time that negative information can stay on most reports, and requires credit bur
Profit sharing plans are qualified retirement plans established by companies to provide retirement benefits to employees. Profit sharing plans are established in many different ways with numerous variations in design and features. Knowing the basics of each type is valuable in retirement planning.
The key to some successful finances is having the right budget derived from the three foremost budget types. By maintaining a very good plan, you can manage your budget to all intents and purposes and ...