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Personal Finance : Business & Finance

What Are Assets in a Divorce?

Assets in a divorce are typically any property acquired during the course of marriage. Jurisdictions vary in terms of how marital assets are divided. The United States has nine community property jurisdictions and 41 equitable distribution jurisdictions. In community property jurisdictions, everythi

How to Send Money From South Africa

Sending money to any part of the world has become a much easier process than it was in the past. With the advent of money transfer companies like Western Union and MoneyGram, transferring money to loved ones is quick and convenient. In South Africa, these companies provide the means to send money ab

What Is a CTG File?

CTG files are only used in one capacity -- to index the digital images taken on Canon cameras. The files do not hold the images themselves, but are necessary for the camera to calculate how many images have been taken. CTG files also help a computer populate images during a data transfer.

Prevention of Identity Fraud

The Internet has made personal information more accessible. Internet users should know how to protect themselves against identity fraud. Identity fraud extends beyond the Internet. There are steps you should take in your daily life to make sure your identity is not compromised.

State Taxes on IRA Withdrawals

Your IRA might be taxed at the federal level. This is true if it's a traditional IRA. But Roth IRAs are not taxed at retirement. However, states may tax your IRAs differently. Each state has its own rules for how income from retirement accounts are handled. These rules may not coincide with federal

How to Validate Bank Account Numbers

One way to prevent fraud is to validate the existence of a bank account before depositing a business, personal or cashier’s check. If you deposit a check to your account from an account that does not exist, you can be held responsible by your financial institution for depositing a fraudulent c

How to Move My IRA From American Funds to a Traditional Bank

One of the wonderful things about a self-directed IRA is that you can control where the money is held and how it is invested. American Funds is a mutual fund company with a wide variety of funds in many different risk categories. If you have been invested with American Funds but are now looking to g

Help to Dispute Credit

Disputing an item on your credit report is made easier thanks to The Fair Credit Reporting Act. This law requires creditors and credit reporting bureaus to take seriously each request to investigate an item on a credit report. When disputing a claim, it's important to have as much documentation as p

Questions About Filing for Unemployment

Great Britain enacted the first government unemployment insurance plan, in 1911. Since then, nearly every industrialized nation has put an unemployment program in place. In 1935, President Franklin D. Roosevelt signed a bill that included unemployment insurance in response to the Great Depression, w

Can a Debt Collector Seize a Joint Bank Account?

With the right paperwork, a debt collector can seize a joint bank account, if state law allows it. Seizing any bank account requires a court order or two, in most states. Also called levying and garnishing, seizing a bank account gives the debt collector access to funds that may be protected from ga

Unsecured Personal Loan A Helping Hand

Expenditures are growing day by day as well as the price of dwelling index can be heading up. Folks are in want of funds to start by themselves or cater to even bare requirements of ...

Does Requesting Your Credit Report Hurt Your Credit Score?

Credit scores are important three-digit numbers that dictate when consumers qualify for everything from credit cards to vehicle loans to mortgages and influence the interest rates they pay. FICO explains that it uses a wide range of credit-related data to calculate its scores, including the number o

How to Wire Money in Arizona

When you want to send money from Arizona to another individual, one of the quickest ways to do it is by sending a money wire. By sending a money wire, your money will arrive to the individual within a matter of minutes, whereas sending the money by mail would take days. You will be charged a fee to

How Can Finance Software Benefit Your Business?

If you are an owner of a small business, you may be asking yourself if you should make an investment in business finance software. Maybe you're an entrepreneur who has realised how long it takes ...

How to Figure Loan to Value

Most banks and lenders use some type of loan-to-value (LTV) guidelines when pricing loans. The LTV reflects the amount of a loan relative to the value of the collateral securing it. Conventional mortgages cannot exceed 80 percent of a home's value. Mortgage loans backed by the Federal Housing Admini

How to Get a Line of Credit With Poor Credit

Rebuilding your credit after a meltdown is a difficult and exasperating experience. Obtaining credit with a score less than 700 may be impossible with some lenders. Depending on your score, applying for a secured credit card may be your only option. Companies offering secured cards typically do not