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Personal Finance : Business & Finance

How to Calculate Hourly Wage Based on Salary

When looking at the pay rate of jobs, you need to compare apples to apples. If one company gives you an offer based on a yearly salary and another gives you an offer based on an hourly wage, you need to convert one figure or the other to get an accurate comparison. Calculating an hourly wage based o

About Retirement Planning

With the future of Social Security in doubt, retirement planning is something that every American needs to think about. Luckily, there are plenty of options available for saving, investing and tax planning. Here's how to make sure you've saved enough to weather any storm.

Types of Cashier's Checks

A cashier's check is a special type of check that is guaranteed by a bank.check in macro image by Alexey Klementiev from Fotolia.comA cashier's check is a special type of check issued directly by a bank. Cashier's checks are therefore "guaranteed" by said bank and are usually redeemable...

Which FICO Score Is Most Used for Credit?

When you apply for several types of credit, there is a good chance that all of those lenders use the same basic scoring system: the FICO model. Thus, consumers usually associate a consumer credit score with a FICO score. Some alternative models exist and even within the FICO scoring system itself, d

A List Of Tips To Start Balancing Your Budget Today!

In order to have substantial amounts of money saved for any scenario where you would need money, personal finance should be taken very seriously. One must save money rather than spending everything they make. The ...

College Grants for the Grandchildren of WW2 Veterans

Grandchildren of World War II veterans nationwide grow up with stories of experiences in the Allies' fight against the Axis. The brave men and women who fought in the war did so to ensure better lives for themselves, their families and their descendants. As of 2011, very few opportunities for their

Can a Spouse Remove a Spouse From the Joint Checking Account?

Whether one spouse can remove the other from the joint checking account depends upon individual bank policy on account ownership changes. If the removing spouse is the actual account owner and the removed spouse was merely an authorized user, the bank may permit removal without notice to or consent

How to Calculate an Average Balance

The average balance represents the average amount of money someone has in an account over an undefined period of time. The time period is undefined because it is up to the account holder or the lending institution to set the parameters. For instance, an individual might want to know the average mont

How to Figure Variable Interest Rates

While many loans lock in a fixed rate at the time the loan is taken out, some loans offer a variable interest rate. The variable interest rate changes at predetermined times, such as once per year. The variable rate depends on the margin and the interest rate index, which the lender uses to measure