Business & Finance: How to Choose a Financial Planner - Some Essential Tips

How to Choose a Financial Planner - Some Essential Tips

A financial planner in Chatswood or any other area will help you reach your financial goals in a systematic manner. You can hire a planner either to get advice on certain issues like paying your ...

Business & Finance: Permanent Disability Benefits From Social Security

Permanent Disability Benefits From Social Security

According to the Social Security Administration, a 20-year-old worker has a 30 percent chance of becoming disabled before retirement. If you've incurred a permanent disability, the SSA provides benefits to aid you with living expenses and medical bills. As of August 2010, more than 8 million disable

Business & Finance: How to Open a Thai Bank Account

How to Open a Thai Bank Account

If you are planning a long stay in Thailand you may want to open a Thai bank account. Having a Thai account allows you to safely monitor your money without using a foreign ATM card, which may incur substantial international withdrawal fees. The required documentation to open an account varies depend

Business & Finance: Should You Cash Out, Rollover or Leave 401k Behind?

Should You Cash Out, Rollover or Leave 401k Behind?

When you leave a job, one of the most important decisions that you will have to make is what to do with the money in your 401k. You could potentially leave the money in the account and abandon it, roll it over to a new account or you could cash it out.

Business & Finance: Letter to Request a Credit Report

Letter to Request a Credit Report

If a major purchase looms ahead, checking your credit is a crucial step in the process. A few blemishes on a record can mean a significant amount of lost cash in the form of higher interest, increased cash deposits for services, or a denial of credit altogether. If an Internet or phone request don't

Business & Finance: Sending Money to a Relative or Friend Overseas?

Sending Money to a Relative or Friend Overseas?

If you are planning to send money to a friend or relative overseas for the first time you will want to find the most cost effective way of doing. If the beneficiary overseas has a ...

Business & Finance: Is FIT Not Deducted From Small Paychecks?

Is FIT Not Deducted From Small Paychecks?

Employers are responsible for withholding and paying taxes to the Internal Revenue Service. FIT is a common abbreviation for federal income tax. The federal tax system requires payments deducted from employee's checks unless the employee will not likely owe tax based on present income. The employee

Business & Finance: How to Collect Retirement When Leaving a Job

How to Collect Retirement When Leaving a Job

One of the benefits of working for a company is that you may have the chance to participate in a retirement savings plan. Generally, retirement plans such as 401(k) plans or profit-sharing plans allow you to earn money on a tax-deferred basis until you withdraw it, at which time you must pay tax on

Business & Finance: How to Explain Gaps in Employment in 2010 Due to the High Unemployment Rate

How to Explain Gaps in Employment in 2010 Due to the High Unemployment Rate

When hiring, the first thing a potential employer looks at is your resume. The employer is looking for items such as your level of education, skills and work history as he wants to make sure that you will be able to complete the everyday functions of the job. In addition, employers are also looking

Business & Finance: The Impact of Severance Payment on Unemployment Benefits

The Impact of Severance Payment on Unemployment Benefits

If an employee loses his job through no fault of his own, then he is eligible for unemployment benefits while he is searching for a new position. However, many employers have begun paying employers they are forced to lay off a severance package that can amount to months of work income. Since unemplo

Business & Finance: Will Inheriting Money Affect My Social Security Disability?

Will Inheriting Money Affect My Social Security Disability?

Social Security's disability benefits program, like its retirement benefits program, has no "means test." If you have qualified for benefits, then you receive those benefits, regardless of how much money you have. So if you're receiving Social Security disability benefits and you inherit money, your

Business & Finance: How to Calculate kWh From a Meter Reading

How to Calculate kWh From a Meter Reading

If you have access to your meter, you can read your own electrical usage since your last bill, and estimate what you will owe for the power consumption. You will need your most recent electric bill, which will show your last meter reading, and the amount per kilowatt hour (kwh) your utility charges.

Business & Finance: Is Property in a Living Trust Considered Marital Property in Maine?

Is Property in a Living Trust Considered Marital Property in Maine?

Maine does not practice the theory of community property for a married couple's assets. A married couple in Maine can establish a living trust together or separately. The trust's terms will reflect the property title's owner, weather it is one or both spouses. A living trust is not considered marita

Business & Finance: Are Distributions From a Roth IRA Variable Annuity Tax Free?

Are Distributions From a Roth IRA Variable Annuity Tax Free?

Variable annuity Roth Individual Retirement Accounts are afforded the same tax treatment as all other kinds of Roth IRA investments. Distributions from Roth IRA variable annuities are tax-free for people over the age of 59 1/2 who have held the Roth account for at least five years. Other distributio

Business & Finance: How to Apply for Disability in Birmingham, Alabama

How to Apply for Disability in Birmingham, Alabama

Social Security Disability is federal financial help for individuals who have certain medical conditions, and you can apply for it via the Social Security website or in local offices around the country. When you apply for disability in Birmingham, Alabama, you have to go to the Social Security offic

Business & Finance: Why Is a Low Unemployment Rate Good?

Why Is a Low Unemployment Rate Good?

Low unemployment rate is good for the individual and the wider community. Those who work feel better about themselves and can afford to spend more. With low unemployment rates, those who work can demand higher wages and feel more secure in their jobs. The economy benefits from increased activity and

Business & Finance: Can I Invest in Land With My IRA?

Can I Invest in Land With My IRA?

Most people are well aware of bank and brokerage investment options for individual retirement accounts. A less common IRA investment is real estate. The real estate IRA is a viable means of saving for your retirement. The IRS has more stringent rules on the real estate IRA. Know and follow them to p

Business & Finance: How to Establish a Family Trust

How to Establish a Family Trust

A family trust takes the guesswork out of what happens to your assets in the event of death, a broken marriage or you become incapacitated. You can establish a family trust at any time and assign a manager. Providing for minor children and loved ones after your death should not be a worry. Establish