Budgeting is important when trying to get yourself out of debt, and that involves keeping track of your debt and creating a plan for your spending. The Liberty Mutual website suggests a way to estimate your out-of-pocket spending each month is to track everything you buy over the course of a week, then multiply the total by 4.3.
Saving money is something that every person can benefit from. This is especially true in a time where prices on practically everything continue to rise higher and higher. Continue reading
Opening a joint account requires the identifying documentation and signatures for all parties on the account.
There are two types of annuities: immediate and deferred annuities. Generally, you cannot get your principal back from an immediate annuity as a lump sum because the annuity company annuitizes the premium and turns it into an income stream that lasts for life.
Each reporting agency calculates your credit score using its own data; therefore, you can have three different credit scores, one from each of the three agencies. Your credit report includes information your lenders have reported about you, such as your credit limits and payment history.
Can I afford it?
It’s hard to know the answer before you know the cost, but if you have little savings and virtually every dollar of your monthly income already is accounted for, there is another question to ask: Am I eligible for other coverage that costs less?
There is an art to using coupons; if used properly, they can save you hundreds or even thousands of dollars. Coupons can be used not only on food items, but also on beauty, medical and cleaning products.
The Federal-State Unemployment Compensation Program (UC Program) originated in 1935 with the passing of the Social Security Act. The UC Program was designed to assist people who’ve been recently separated from their jobs and to help strengthen the economy during times of recession.
Credit card companies always use a credit report to determine creditworthiness. Not only do they go off of what a FICO score is—they also skim the report.
The USFA (United States Fire Administration)–in order to record, understand and use fire data more effectively–enlisted the NFIRS (National Fire Incident Reporting System). This agency is responsible for analyzing data from firehouses in local, state and national governments.