Personal Finance : Business & Finance
The Fair Credit Reporting Act requires credit bureaus to respond to a consumer dispute within 30 days of receiving the dispute notice. During these 30 days, the credit reporting agency must investigate all the disputed accounts. Within five days after finishing the investigation, the credit reportin
The website Investorwords.com describes property assessment as "the process of placing a value on an asset for the purpose of taxation." The tax that is calculated is also defined as an "assessment." A land assessment is designed to determine the taxable value on property, whether it's commercial or
Energy cost is arrived at by multiplying the cost in dollars of the units of fuel by the number of those units needed to produce a million British Thermal Units (BTUs). The energy cost to heat with wood or corn pellets depends on the price of a unit of each and the number of those units needed for a
Pensions help you provide beneficiaries with financial stability.granddaughter with grandfather image by Pavel Losevsky from Fotolia.comWhen your pension is more than 10 percent, the Workplace Safety and Insurance Board pays the pension in monthly installments. You can choose a...
Unloading your employer-sponsored 403b retirement plan means you don't want to be part of the employer's plan anymore. The reason might be poor performance of investment options, distrust of employer fiduciary responsibility or the desire to get funds you need for some reason. Unloading it might mea
In the foreign currency exchange market, a FOREX carry trade is a strategy that exploits the different interest rates available for different foreign currencies. Traders purchase debt instruments in high-yielding currencies while simultaneously selling low-yielding ones. By using high leverage -- f
It is a well known fact that the forex market is a tough place to be at, without the help offered by the signal forex or such similar tools. In the foreign currency exchange profile, ...
Emigrant Direct is an online bank that offers higher interest rates on savings accounts than many traditional banks. The bank offers two types of accounts: a savings account and a certificate of deposit account. When you bank with Emigrant Direct, you link your main bank account with Emigrant Direct
If you are divorced and you and your ex-spouse are both disabled, both of you may qualify to receive various public benefits. If you are already receiving disability benefits, you may also qualify to receive other Social Security benefits based on your personal work, your ex-spouse's work or both of
The Fair Credit Reporting Act was enacted to protect consumers against fraudulent or inaccurate information from being placed in their credit file, as well as protecting their right to privacy. Information about your credit history is gathered by organizations known as Credit Reporting Agencies (CRA
Credit scores are numbers used by various businesses to determine the creditworthiness of a person, and how much of a risk that person is in paying back a loan or credit. There are three major credit bureaus -- Experian, Equifax and TransUnion -- that collect financial information on individuals and
The percentage of your total credit limit that you are using at any given time is one factor used to calculate your credit score. Your credit utilization ratio is given a substantial amount of weight in your credit score, second only to your history of paying bills on time. To get the best credit sc
Social Security requires work history before an individual can receive benefits. Work history for retirement benefits requires 10 years or 40 credits; survivor and disability benefits may require less work history. You may collect benefits on your own work history, or the work history of a parent, s
When a loved one dies, an executor will have to manage the closing of accounts and handle all the final affairs related to the estate. Normally, a last will and testament names an executor. If a will does not name an executor, then the probate court involved in settling the estate will name one. Sin
A micro manager can be a difficult colleague at work. Micro managers seek to control and strive to garner as much power as possible, even in unnecessary situations. Employers who are known as micro managers can share similar personality traits.
A stock option is a contract between an option writer and a buyer, giving the buyer the right to buy or sell a particular stock at a price agreed upon today at a date in the future. You can buy options contracts on the gold index as well as many gold-related companies. Whether or not you can receive
An individual as young as 20, according to the Social Security Administration (SSA), has a 30 percent chance of becoming disabled before he reaches the age of retirement. The U.S. government established the Social Security Disability Insurance (SSDI) through the SSA to provide a financial safety net
Vacation homes offer a familiar place to unwind away from home, but many families cannot afford a second home. Timeshares are a common alternative to full vacation homes where a buyer purchases the right to use a housing unit at a certain time each year. Timeshares are often condo units in high-dema