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Personal Finance : Business & Finance

Food-Stamp-Program Guide

Food stamps are vouchers issued by the government that allow people with little or no income to purchase food. These vouchers are issued by state governments to residents who are eligible and who apply for the benefits. Food stamps can only be used to purchase certain types of food, and only certain

How to Apply for Food Stamps in Wilmington, North Carolina

The Department of Social Services administers a Food and Nutrition Services program in the State of North Carolina. The program provides low-income families with money for food. The program uses an Electronic Benefits Transfer card instead of food stamps. Since North Carolina has more than 100 count

Energy Assistance in Maine

In Maine, low-income residents may apply for heating assistance through their local Community Action Agency office. Residents need proof of income for the past three months, proof of address, utility bill receipts and identifying information for all people living in their households. Once residents

Tips on Daily Budget Planning

Budget planning is key to personal money management. Most people plan on a monthly or weekly basis, but setting a daily budget can help to keep you on track with a larger budgeting process. Daily budget planning involves assessing short and long term goals and initiating a process to...

How Is Unemployment Paid For?

During periods of economic hardship, companies often lay off workers in an effort to cut costs and maintain profitability. Unemployment insurance is a government program that provides benefits such as periodic income payments to workers that become unemployed due to no fault of their own. Unemployme

How to Redeem a Roth IRA

While a Roth Individual Retirement Account (IRA) cannot be "redeemed" like a government bond, for example, there are choices you can make in terms of how to close out the balance of a Roth IRA. Because a Roth is a federally-approved retirement account, there are Internal Revenue Service (IRS) regula

What is the Definition of a Savings Account?

A savings account is a type of bank account where extra money can be stored, separate from your primary (checking) account. These accounts are good for building cash reserves for vacations, emergencies and education.

What Is the Rule of 85 with Retirement?

The Rule of 85 allows for early retirement benefits in pension plans. This sometimes controversial stipulation permits retirees to avoid pay reduction for drawing benefits before the age of 65 if they have worked for a sufficient number of years.

How to Recycle Carpet and Tile

A majority of carpet and tiles manufactured today are made from materials that will not biodegrade. Remodeling that requires removal of these products poses the problem of what to do with your old flooring materials. One way to recycle your old carpet and tiles is to use them to create a unique gard

How to Make $400 a Month Giving Plasma

What is blood plasma? Blood plasma, is the liquid part of the blood and lymphatic fluid. Blood plasma has life saving antibodies and proteins. During this economic down turn, people have discovered they can make an extra $200 to $400 a month donating plasma!Donating blood plasma is a

Social Security Benefits for a Non-Citizen Widow

According to the Congressional Research Service about 13.9 million non-citizens are working in the United States as of 2006 -- in 2002 the estimate was 11.3 million. In the event of death, their non-citizens survivors, including widows, widowers and children, must meet special requirements in order

The Average Attorney's Hourly Rates

Attorneys, also known as lawyers, interpret laws, apply laws to a variety of different cases and may be involved in the drafting of legislation. Attorneys may serve as an advocate, representing a client in court by presenting evidence and precedent, or as advisers, giving clients information regardi

When Do You Need to Fill Out a New W-4 Form in New Jersey?

As an employee in New Jersey, you are supposed to pay federal and state income tax. Your employer uses the Internal Revenue Service's, IRS, instructions to withhold federal income tax and applies the New Jersey Department of Treasury's guidelines to withhold state income tax. Both agencies require y

9 Refrigerator Energy and Cost Saving Tips

The newer Energy Star refrigerator models offer substantial energy efficiency improvements over older models, but putting out $1000 or more for a new refrigerator may just not be possible for you right now. While you ...

What Is an Adjusted Gross Income When Filing Taxes?

A number of steps go into preparing your tax return, from gathering paperwork to filling out worksheets to determine the amount of any credits you're owed. Before you file your taxes, you're going to have to calculate your adjusted gross income, also called the AGI, at some point in the process.

How to Change a House Deed to Your Name Legally

A house deed is your paper, or legal title, that proves you own your house. The person named as the grantee on the most recent property deed is the current owner of the property. Every deed is a public record retained in the local county land records office. To change the name on the deed means to p

Does Opening New Accounts Affect Your Credit?

Opening a new account may cause a change in your credit score, depending on the type of account. In most cases, the result of opening a new account will be a lower credit score. By understanding how opening a new account will affect your credit score, you can determine if opening a new account is a

Financial Bodies Re-Shaping Business Communities and Economies

Financial innovations are at its peak and international financial bodies are moving ahead towards globalization and cross-border transactions. They are facilitating organizations to dominate in their niche through greater flexibility of banking and finance regulations. ...