As the National Low Income Housing Coalition explains, you have affordable housing if you commit no more than 30 percent of your income to rent and utilities. It takes a full-time hourly wage of $18.44 to afford the 2010 market rate of $959 for a two-bedroom apartment in the U.S. Most rental-assista
Canadian grants for home improvement allow citizens to fix things like plumbing, doors and windows.small house, big house image by Nino Pavisic from Fotolia.comThe Canadian government offers its citizens all types of grants, ranging from making home adaptations for the elderly to...
If your credit score is quite low, it can be difficult to start a bank account. Declaring bankruptcy or having a large tax lien against you can hurt your credit score for years and make it difficult to get back on track. Thankfully many banks offer a "poor credit" banking account that helps you save
There is a secret to winning the lottery that most people don't know about: picking the right numbers. Every lottery drawing has a secret set of magic numbers, and if you pick those numbers, you have a high chance of winning.
Debit cards are a convenient way to help you avoid carrying cash for purchases. When you make a purchase with your debit card, cash comes out of your checking or savings account. A debit card bounces when the amount of your transaction exceeds the amount of money in your account at the time the tra
Unpaid medical bills can cause financial hardship, ruin credit and even lead to bankruptcy. Learn how you can get help paying your medical bills, overcome financial challenges and reduce your debt.
Are Investors Emotional Or Rational In Their Investment Decisions? Let's start having a look: The complexity of investment decisions has always made me feel whether investors made objective and rational decisions or were they swayed ...
When the Social Security system first came into being in 1935 the only person covered was the primary worker and the only benefit paid was retirement. Four years later the law was amended to add survivors, spouses, and children to the rolls. Today, the spouse of a covered worker may qualify for Soci
A spousal IRA (individual retirement account) is an important part of a family's financial plan. It provides an additional asset for retirement income and it also protects both spouse's in the event of marriage dissolution. Rather than dividing one IRA into two through a Qualified...
When saving for retirement, you may come across several investment options for your consideration. The certificate of deposit and the individual retirement account are two places that you could put your money to earn a return. While they share some common characteristics, they are two completely dif
A virtual Visa card is a credit card for online usage only. Since it does not exist in physical form, you cannot use it to purchase items from a store.
For those that aren't lucky enough to have an employer that offers a pension, saving for retirement may seem like a burden. One of the hardest parts of saving is getting started and adding money to your retirement account. There are two primary ways to fund your own retirement -- either through a 40
Michigan residents are eligible to collect Social Security disability, retirement and survivors benefits if they meet the program's requirements. More than 1.9 million beneficiaries in Michigan received $2.1 billion in Social Security payments in 2009. Michigan is part of the Social Security Adminis
A retirement plan administrator is in charge of managing the day-to-day affairs and the decisions regarding the company's plan. To assist in the administration process, it is common for an administrator to retain a professional service provider. With 401ks, it is customary for a third party to perfo
Credit enables a person to do things such as take out a mortgage on a home, get loans for automobiles, receive student loans for education and even get business loans from the government or a bank. That's why it's valuable to start building good credit as soon as possible. There are many savvy ways
College students who come from low to middle-income families may be eligible to receive a federal Pell Grant while attending college in Illinois. Pell Grants in Illinois can be used towards tuition and do not need to be repaid. Speak to your college's financial aid advisor about Pell Grants and oth
Some Americans are forced into early retirement and must live with diminished benefits.retirement at last image by Pix by Marti from Fotolia.comEarly retirement is the dream of many Americans. Ideally, it allows them the freedom to enjoy the remaining years of life free from the...
Self employed individuals have a variety of retirement plan options to choose from.dollar image by andrey polichenko from Fotolia.comSelf-employed business owners have a variety of retirement plan options. Not only can the business owner have IRAs, Roth IRAs, and annuities that he sets...
The best certificate of deposit (CD) rates may not be offered at any of your local banks or credit unions. You can often find higher certificate of deposit rates by searching online, and can also find other options that may suit your needs better, such as lower minimum deposits or shorter or longer
Bills come due at various times of the month, but they will often come in batches according to when they are due. Depending on how often you pay the bills, it may be necessary to sort your personal or business payables one or more times per month. Stick to the schedule to avoid paying late fees on y