Get Out of Debt

    How to Make a Plan to Get Out of Debt

    How to Make a Plan to Get Out of Debt

    Paying the minimum payments on credit cards and other forms of debt won't help you gain much traction toward your goal of being debt free. A concrete plan for eliminating your ...

    How to Set a Budget & Get Out of Debt

    How to Set a Budget & Get Out of Debt

    You have probably heard the adage that recognizing a problem is the first step in correcting it. This statement--while normally attributed to substance abuse--can also apply to ...

    How to Start a Budget to Get Out of Debt

    How to Start a Budget to Get Out of Debt

    If you have started out your new life together in debt, you may be frustrated and apprehensive about the future. The good news is that you can create a budget to pay off bills, ...

    How to Take Funds Out of a 401(k) Due to Heavy Debt

    How to Take Funds Out of a 401(k) Due to Heavy Debt

    When you hold a 401(k) plan through your employer, you accrue retirement savings from earnings prior to taxation. You will not owe taxes on your earnings until you withdraw them ...

    More Get Out of Debt Picks

    Tips for Getting Out of Debt

    Debt can be a serious problem for young couples. As you get ready to make big financial decisions, like buying a house and having a child, having too much debt can really hold you ...

    What Is the First Step to Getting Out of Debt?

    If you pay $100 a month on $5,000 worth of credit card debt, with an 18 percent interest rate, it will take you seven years and nine months to bring the balance to zero. That $100 ...

    How to Search for Mortgage Deed Information

    Public records often hold secrets. One of the secrets is how to find what you need, especially if you're a looking for something like mortgage information. A mortgage is a lien on ...

    Help Getting My Credit Together

    Bad credit can haunt you beyond the fact that you'll have a hard time getting a credit card with anything resembling favorable interest rate and credit limit terms. Some potential ...

    How to Handle a Car Repo

    If you run into financial difficulty and you can’t make your car payment, the creditor probably won’t extend much grace to you. A long as you owe money on the vehicle, ...

    How to Legally Protect Yourself From Your Spouse's Debt

    Marriage means sharing, but it doesn't have to mean sharing your spouse's debt burden. This isn't an issue with premarital debts, as you're not responsible for bills your spouse ...

    What Can You Do to Get Out of Major Debt?

    Getting on sound financial footing is one of the biggest challenges new couples face after tying the knot. Young couples often have student debt, auto loans, credit card debt and ...

    Proven Methods for Getting Out of Debt

    Having debt weighs a person down and trying to pay off that debt without success can be even more frustrating. While there are no guarantees, there are some ways to reduce or ...

    Can You Get Out of a Co-Sign Agreement?

    If you co-sign a loan for a friend or family member, the first thing you need to understand is that it's very difficult to get out of the agreement. A co-signer, just like a ...

    Guide for a 401(k) Rollover

    If you feel like your 401(k) plan is under-performing, charging you too much in fees or cramping your investment style, it might be time for a change. Depending on your employer, ...

    How Can I Get Out of Debt and Get the House I Desire?

    While getting out of debt will leave you with more money to buy the house you want, big dreams call for common sense and sacrifice. Owning a home takes money, but if you make ...

    How to Get Out of Debt on a Shoestring Budget

    Getting out of debt when you only have a small amount of disposable income each month is tough, but it can be done. It'll involve some sacrifices and no small amount of ...

    Mortgage Pointers

    Buying a house is often considered the most important purchase decision you make in a lifetime. However, the mortgage you get to pay for it typically has much more of an effect on ...

    Closing Advice for a Refinance

    Preparing for a refinance closing is similar to preparing for the closing on the sale of a house. Once your lender approves your mortgage refinance, you need to pick a date for ...

    An Essential Guide to Room Additions

    Maybe you’ve welcomed a new addition to the family, mom has decided to move in with you two, or you want to start a new home business. Buying a new place is one way to get ...

    How to Get Out of an Auto Lease Without Affecting Your Credit

    Terminating an auto lease can be a real headache, especially if you want to get out of the deal without hurting your credit. Straining your budget is never a good thing, but ...

    How to Buy Auctioned Homes With Cheap Prices

    You can get a “steal of a deal” buying a home at auction, according to Rob Friedman, chairman of Real Estate Disposition Corp. If this is your first time doing so, ...

    How to Get Married With Little Money

    When you are planning your wedding, you may face the dilemma of many couples: how to reconcile your visions of a dream wedding with your own financial reality. If you don't have a ...

    Insurance Tips for Travelers

    Travel disasters can happen when you least expect it. In extreme cases, a thief could take off with your rental car or a natural disaster could damage your hotel. Or you could ...

    Revocable Trust vs. Prenuptial

    You're tying the knot with the best intentions. Still, half of all marriages end in divorce, and odds of a split are even worse the second time around, at 60 percent. With 70 ...

    What Is a NINA Mortgage?

    Applying for a mortgage can take time because you have to scour your home to find copies of your tax returns, pay slips, bank statements and even your 401k account summary. NINA ...

    How to Sort Out Debt

    When couples move in together, they don't just arrive with clothes and belongings, they also bring their debt. If you and your spouse struggle with credit-card balances or unpaid ...

    How to Live Wealthy When You're Poor

    Your standard of living is not just determined by how much you earn. While what we all spend our hard-earned paychecks on is pretty much the same (housing, food, clothing, living ...

    Can You Sell a Messy Home?

    Technically, there is no reason you cannot sell a messy home. But common sense dictates that you are much better off fixing things up and cleaning up before ever listing your home ...

    Five Reasons to Get Out of Debt

    When your friends, neighbors and co-workers admit to using credit cards to pay for goods and services they can't really afford, you might convince yourself it's all good. But debt ...

    I Need Help in Restoring My Credit

    Restoring your credit takes planning, discipline and time, but you may certainly build a better credit history and raise your credit score by eliminating some bad habits and ...

    Methods to Relieve Credit Problems

    "The New York Times" ran a March 21, 2012, story by Tess Vigeland about a couple with credit card debt of $40,000. This set off an internal alarm that made the pair want ...

    Getting Out of Debt: Know Your Alternatives

    No matter how bad your debt problems seem, there'll always be a way out. The most important thing you can do is to get on top of what you owe as soon as possible. Burying your ...

    What Is the Grace Period to Get Out of a Home Contract?

    Buying a home is one of the biggest milestones in your life, and also likely one of your biggest financial commitments. It's also one of the most final: Once you sign a real ...

    What Happens When a Loan Falls Out of Escrow?

    Buying a home is one of the most exciting purchases you will make. However, it can also be one the most stressful, especially when things don't go as planned. The confusing ...

    How to Figure Out if You're Going to Owe or Get a Refund on Taxes

    If you have a fairly simple tax scenario, you can quickly estimate whether you’ll owe tax or receive a refund when you file your return. You have a simple return if you earn ...

    Can I Get Money Out of a Non-Qualified Annuity Without Penalty?

    A non-qualified annuity is an annuity funded with after-tax dollars. That's in contrast to the "qualified" status of pre-tax retirement plans such as 401(k) plans and ...

    How Does Loan Reassignment Affect Your Credit?

    Consumer loans are the primary source of income for institutional lenders such as banks or mortgage companies. As with any other asset, lenders may buy and sell these loans. When ...

    Can a Trustee Be Removed From a Trust?

    Trustees have the responsibility of distributing and monitoring property and assets held within a trust. These duties require significant work, and the law holds trustees to a ...

    Do Both Husband & Wife Have to Sign the House Rental Lease?

    There is no law that says you and your spouse must sign a lease when you rent a home together. There's also no law that demands her name goes on the lease if she moves into a ...

    What to Do if You Take Out a Bank Loan & Get Fired?

    You lost your job and you have debts. Too bad. It's time be an adult and use your good judgment to deal with the situation. No one needs heroes when times are good -- it's when ...

    Can I Get Out of Closing on a House Without Losing Money?

    It's wise to add contingencies to your purchase offer on a house so you can cancel the deal in certain situations. Your contingencies can save the day, helping you get out of ...

    Can the IRS Take My House for Past Due Taxes?

    When it comes to collecting on a debt, the Internal Revenue Service has almost unlimited power. If you haven't paid your taxes, the IRS can garnish your wages, levy your bank ...

    How to Organize Your Money in Jars to Help Get Out of Debt

    If debts are mounting and you need to take control of your spending, try something new to help improve your household budgeting. Grab some glass jars from the kitchen and use the ...

    How to Budget Your Finances While in a Lot of Debt

    Some people -- OK, a lot of people -- think 'budget' is a dirty word. It's almost as if a budget is a pair of handcuffs that keep you from having any fun with your money. The ...

    Bargaining With Cash

    Cash purchases are often more desirable to retailers and sellers than any other form of payment. Cash is immediate, carries little risk and requires no third party to verify the ...

    How to Avoid a Bill Going to a Collection Agency

    If you lose your job or other primary income, it may become difficult to pay your bills. Once your income drops substantially, it sometimes unavoidable to narrow your spending ...

    How to Avoid Paying for a Cancelled Trip

    When you've eagerly awaited a vacation, it can be a bummer to have to cancel the trip. Discovering you'll need to pay cancellation fees can magnify your disappointment -- and ...

    Disadvantages of a High Cash Balance

    If you tell people that you let all that money accumulate in your checking account, expect for them to gasp and roll their eyes at you. However, it isn't as though you're missing ...

    What Happens if My Co-Signer's Financial Picture Changes?

    Learning that one of your close friends or family members is having financial troubles is never goods news. This news is particularly frightening if that person is a co-signer on ...

    The Advantages & Disadvantages of Debt and Equity Financing

    Imagine you want a $1 candy bar, but you only have 50 cents. Your friend has 50 cents, too. You have two options: Borrow 50 cents, in which case you get the whole candy bar to ...

    Can I Break My Lease & Get My Security Deposit Back?

    You rented a place, but the conditions are unbearable and you need to move, pronto. Or perhaps your spouse has been deployed, or you land a dream job thousands of miles away from ...

    What Happens to the Renters When a House That Is Being Rented Out Is Foreclosed On?

    Renters are at the mercy of the property owners, lenders and the law. If the owner doesn’t make the mortgage payments, the lender may foreclose and sell the property. ...

    What Do I Do If I Buy a Home and the Sellers Are Not Moved Out?

    After much searching, you found your dream home. You secured a mortgage and set a date for the closing. Then you get the bad news: Your dream home is not empty. The previous ...

    What Does a Motion to Expunge Mean During Bankruptcy?

    When people file for bankruptcy, they're making a decision that will most likely follow them for the rest of their lives. A bankruptcy filing remains on a person's credit report ...

    Can I Transfer My 403b to Another Broker?

    If you work for a school or a nonprofit organization, your retirement program probably is a 403(b). You can contribute up to $17,000 per year to this retirement savings plan, and ...

    When Can I Send a Non-Paying Tenant to Collections?

    As a landlord, you can legally contact a collection agency whenever a tenant fails to pay rent. Trying to collect the late payments yourself is usually a more cost-effective first ...

    Can You Break Your Lease Due to Vandalism?

    When you signed the lease, the apartment seemed perfect. But a few months in, and the outside walls have been graffitied, a window has been broken, or your car has been ...

    Is There Any Way Out If I Am Buried in My Car Loan?

    Sinking beneath the burden of making car payments you can no longer afford is worrisome and stressful. Worse yet, there's the threat of repossession, especially if you’ve ...

    How to Fill Out "Schedule C - Property Claimed as Exempt" Form

    Schedule C is the form Chapter 7 debtors must use to exempt assets from seizure. As opposed to Chapter 13 bankruptcy, in which you don't have to worry about losing any assets, ...

    Can I Buy Out a Lease & Get Financing on It With a Co-Signer?

    A lease allows you to use a car for a specific amount of time in exchange for a monthly payment. Normally, when a lease ends, you return the car to the dealer, and you owe -- and ...

    Benefits & Risks of Using ATM Machines

    The automatic teller machine, or ATM, is a modern convenience that seems to be on every street corner, in every retail store and attached to every bank buildings. Companies even ...

    How to Write a Letter of Hardship Asking for Leniency in the Payment of Fines

    When you’re slapped with a fine — whether for traffic or some other misdeed — the main purpose of the fine is to deter you from engaging in the behavior again. ...

    How to Get Out of a Realtor Agreement

    An agency agreement outlines the relationship between a client and a Realtor. The agreement states that the Realtor represents your interests as either a buyer or a seller in a ...

    How to Find a Surveyor's Boundary Pin

    Their removal is a crime, but that doesn't mean they can't be covered with dirt by Mother Nature -- or a previous owner who didn't want to ding his new lawnmower blades. They are ...

    Ideas for Low Income Meals

    When it comes to cooking, time and money exist at opposite ends of a continuum. The more you have of one, the less you spend of the other. Creating healthy meals on a tight budget ...

    How to Get Financial Help for Childcare If Above Low-Income Levels

    Many state governmental programs provide financial assistance to offset the high cost of childcare expenses for families that are at the poverty line or within a certain ...

    How to Find Out If a Complex Is FHA-Approved

    When shopping for real estate, you may be eligible for a mortgage through the Federal Housing Administration, a division of the U.S. Department of Housing and Urban Development ...

    How to Finance a Horse Barn

    Building a new horse barn isn't cheap. A paper from the California State Board of Equalization published in January 2010 estimated that a gable roof barn with a standard breezeway ...

    What Is an Audit Walk-Through?

    Your firm's accounting system can't do its job if employees don't do the paperwork properly. An audit walk-through traces how your company authorizes, records, processes and ...

    How to Find Out What Debts You Owe

    Building a life together means that you share dreams, memories — and finances. Both of you must work as a team to manage your financial obligations. To start, you need to ...

    How to Find Out If Any Deaths Occurred in My House

    If you're of a superstitious bent, have suspicions your house may be haunted or just have a ghoulish interest in how people meet their end, you could do worse things with your ...

    How to Make a Cheap and Artsy Teenage Room

    Teens' rooms are the only space they call their own. Their rooms should reflect their personal style and taste. For the artsy teen, bold colors and mismatched pieces add to the ...

    How Much Does It Cost to Have a Wedding Dress Made?

    Sometimes there's a need to go beyond conventionality and put your own unique stamp on something ordinary. Clearly, there couldn't be a more appropriate time than when it comes to ...

    What Industry Typically Has the Highest Debt-to-Equity Ratios?

    The debt-to-equity ratio is an important financial metric for investors because it signifies potential risk. A high debt-to-equity ratio is normal for some industries. The ...

    Optimal Settings for Programmable Thermostats

    When you’re looking for ways to cut down on your utility payments and add to your savings, consider controlling your thermostat settings. According to Energy Star, ...

    How to Avoid Getting Charged When Moving Out of an Apartment

    When you sign an apartment lease, a part of the rental agreement probably included paying a security deposit in addition to monthly rent. The purpose of the security deposit is to ...

    Can a Landlord Evict a Sexual Predator Upon Finding Out?

    You like to think you can trust your neighbors, but some of the people living around you may have a less than savory past. Thanks to sex offender registries, you can find out if ...

    What Is Final Expense Insurance?

    Some people have very definite ideas about what they want to happen at their funeral, while others couldn't care less. Whichever side of the fence you fall on, you should be ...

    How to Fill Out Pleading Forms for a Quiet Title

    If the title to your house isn't 100 percent clear, a quiet title action can fix that. If you file and win a legal action for quiet title, it quiets the claims anyone else has. ...

    How to Check Out the Landlord of Rental Houses

    When you apply to rent a home, you can be sure that the landlord will do his homework on you. He’ll require references and almost certainly check your credit. That allows ...

    How to Fill Out a Homestead Declaration

    A Homestead Declaration form is an easy way to protect your home in case of emergency. This legal form essentially removes your home from your asset portfolio, preventing ...

    What Happens If Someone Does Not Pay in Small Claims Court?

    Getting a judgment against someone in small claims court doesn't guarantee you'll get the money. You may have to take a series of complicated steps before you get what's coming to ...

    How to Get Teacher Discounts at Verizon Wireless

    Teachers are often privy to special rates and discounts with Verizon. Verizon Wireless is present throughout most of the United States as are its discount programs. The sheer ...

    What Is the Maximum I Can Borrow on a Cash-Out Refinance?

    In most instances, the term "cash-out refinance" describes a type of mortgage refinance on a primary residence. The original loan on the residence is replaced with a new ...

    Long-Term Bank Loans: Advantages & Disadvantages

    Long-term bank loans are one way of financing major purchases or consolidating several short-term loans into one longer-term loan. Common examples of long-term loans used by ...

    How to Find Out If I Have Outstanding Tax Debt

    If you’re concerned that you might have outstanding debts with the Internal Revenue Service, there are a couple of options to verify your account status. The fastest way to ...

    What Does Zero-Day Residual Mean on Short-Term Disability Policies?

    Disability insurance replaces a portion of your work earnings if you are sick or hurt and cannot work. Part of your financial planning process includes understanding the types of ...

    Importance & Roles of a Budget

    If you've ever run out of money before the end of the month, you probably need a budget. "Budget" is really not a dirty word, and it's not supposed to be a pair of ...

    How to Find Out If an Address Is Within the City Limits

    A mailing address that includes the name of a city does not necessarily mean that your residence actually lies within the city limits. Your home might be miles beyond the boundary ...

    How to Get Out of the Telecheck System

    TeleCheck is a check processing and risk evaluation company that provides information on consumers’ check writing and electric funds transfer history. If you pay for goods ...

    How to Calculate Escrow Overage

    Owning a home should perhaps be simple, but in reality, involves a lot of details. Dealing with the mortgage escrow account -- money that is set aside by your lender to cover ...

    How to Use Quicken to Budget & Get Out of Debt

    Quicken financial software allows you to record all your financial transactions on your computer. You can track spending, balance your bank accounts and manage investments from ...

    How to Find Out if My Name Is on ChexSystems?

    ChexSystems is a consumer financial data reporting agency that maintains a database of individuals who have bounced checks or otherwise mishandled or abused their checking ...

    Who Signs a Mortgage?

    Before you buy a house, get your writing hand in good shape. You'll have lots of paperwork to sign, including the mortgage and the mortgage note. The note is the actual promissory ...

    How to Find Out Who Owns a Specific House

    You don't need to be Sherlock Holmes to find out who owns a house. Each county has an office, usually called the register of deeds, which keeps public records for real estate ...

    Do You Pay Taxes on Pensions From the State You Retired In or the State You're Living In?

    In retirement or out of it, if you move across state lines, your taxes can become complicated. If you have pension income from the state you retired in and you then move somewhere ...

    Setting Aside a Lien Vs. Removing a Lien

    Not all liens are bad news -- for example, the mortgage is a lien you take on by choice -- but involuntary liens for unpaid debts make it hard to sell or refinance the property. ...

    What Percentage of the Sales Price Should You Offer on a House?

    When you walk into a clothing store to buy a pair of jeans, you have the option of paying the price on the sales tag or leaving empty-handed. Buying a house is far more ...

    How to Get a Property Out of Preforeclosure

    A property enters preforeclosure when the owner doesn't make his mortgage payments. This typically doesn't happen after one mortgage payment, and it might take several months for ...

    How to Start a Fundraising Group for a Sick Child

    A life-threatening or rare illness, disease or injury is not only physically, emotionally and spiritually overwhelming, but it's also financially devastating -- even to those with ...

    Debt-to-Income Relationships

    Your ability to buy a house often depends on a good debt-to-income relationships. One of the ways lenders decide how big a mortgage you can afford is by looking at how much of ...

    How to Get Out of the Debt Trap & Give Yourself Peace of Mind

    If you are in the habit of using credit cards and other forms of debt to finance your lifestyle, but you are unable to pay off your balances at the end of the month, it's only a ...

    What Is Schedule E in Taxation?

    Schedule E is a supplemental form that taxpayers with certain kinds of income must fill out and attach to their personal tax returns. It is critical to understand what types of ...

    Can I Find Out How Much I Will Get Back on My Taxes Without My W-2s?

    By January 31 of next year, you should receive a W-2 reporting this year's taxes from your employer -- or multiple W-2s for multiple employers. The form makes it easy to figure ...

    Should We Get a Second Mortgage to Get Us Out of Debt?

    Evaluating if a second mortgage is the right move for you to get out of debt is the right first step to making a financially sound decision. As is the case with any financial ...

    How to Find Out if a Lien Was Put Against Your House

    A lien, once recorded, is a matter of public record. There are various lien types: Mortgage liens are one of the most common; government liens are placed for failure to pay taxes; ...

    How to Find Out Property Values by Address

    Property values can be accessed through several venues, depending on the type of value you're looking for. A fair market value for the address represents the amount a consumer or ...

    How Much Time Is Allowed to Refile Taxes?

    If you just discovered a major error in your last tax return, don't freak out. The IRS is used to people submitting the 1040X form to correct a past return. You can refile up to ...

    How to Make Debt Vanish

    While there's no magic spell for making your debts vanish instantly, it is possible to get rid of credit card balances, car loans and other debts faster than you think. The more ...

    How Much Money Do You Get Back Out of Your Child Care Expenses on Your Taxes?

    Child care costs can be a big drain on a family’s budget. The Center for American Progress notes that in 2010 fewer than 30 percent of children had a stay-at-home parent, ...

    How to Dissolve a Revocable Trust

    A revocable living trust can be a great estate-planning tool for married couples who have significant assets they want to protect. One of the biggest advantages of a revocable ...

    Debts and Your Spouse

    How completely marriage ties you and your spouse together depends a great deal on where you live, at least when it comes to debts. In the nine community property states – ...

    How to Apply for Veterans Health Insurance

    The mission statement of the United States Department of Veterans Affairs states the organization is dedicated "to fulfill President Lincoln's promise 'To care for him who ...

    When Are Taxes Due on 401(k) Disbursements?

    How much tax is due on your 401(k) withdrawal depends on how and why you're taking the money out. Some transactions require 20 percent withholding, and others incur an additional ...

    How Some States Treat Lottery Winnings

    You and your spouse were faithful followers of the lottery. You sat money aside for it every week, and every ticket you bought had those special numbers -- your birthdays and ...

    What Is an Apartment Lease Buyout?

    By now you've probably had your own apartment and you know what a lease is. You pay the rent, the landlord gives you the keys, and the lease lasts for a certain period of ...

    How Bankruptcy Affects Your Mortgage

    Bankruptcy sucks. Even the most well-meaning and responsible of people can get into a bad situation -- medical bills, loss of employment -- and find themselves on the road to ...

    How to Fill Out a Deed of Reconveyance

    When you have finally paid off your mortgage and you've finished with the hallelujahs and hootenannies, some legal steps are in order. The entity that financed the mortgage needs ...

    Which Type of Credit Check Should I Use for Tenants?

    First impressions can be deceptive, so it's wise to check out anyone wanting to lease your rental property before signing a tenancy agreement, no matter how cool they seem when ...

    About Eviction Notices and Warning Letters for Tenants

    If you're a few days late on the rent, that doesn't give the landlord the right to throw you into the street. Eviction is a legal action: your landlord has to go to court and ...

    How to Co-Sign Real Estate

    A real estate purchase is usually the largest investment a person will make in her lifetime. Because mortgage loans are so large, some applicants can't get one approved on their ...

    Where to Put Debt Cancellations on a 1040

    If you've gotten in over your head with credit card bills or other debts, your creditors might be willing to negotiate a settlement. This means the creditor agrees to let you pay ...

    Workers' Compensation Information

    As you are busy with your work-related activities, the last thing that you want to do is worry about what will happen if you are hurt on the job. Most people also want to stay out ...

    How Much Do You Need to Earn to Receive a 1099?

    If you receive $600 from a bank, brokerage or business client over the course of a year, the company in question probably has to send you a 1099, as well as mailing a copy to the ...

    How to Fill Out Line 3 on Schedule D Form

    Schedule D is a tax form used to calculate capital gains or losses from the sale of capital assets. “Almost everything you own and use for personal or investment purposes is ...

    Estate Planning & Succession

    Estate planning is about more than who inherits your bank account, your house or your Porsche. When you own or co-own your business, succession planning is essential if you want ...

    Should I Sell My House When I Get Married?

    One of the most common questions "Brides" magazine gets from readers is how to merge two lives into one household. One house suddenly has to hold two persons' stuff and ...

    How to Get Approved for Motorcycle Financing

    The open road beckons, and you want to hit it on two wheels. Financing your new motocycle can be a breeze with a down payment, good credit score and determination to find a good ...

    How to Find Out How Much Rare Coins Are Worth

    If you've found a coin that looks a little different, handle it carefully because it could be rare and worth much more than its face value. Lucky collectors have found some coins ...

    How to Remove Mortgage Escrow

    Making your money work for you is good financial practice. So why would you let your mortgage lender hold your money in an escrow account, interest-free for months when that money ...

    How to Rent Out Farmland

    Renting out farmland can be difficult because most services are focused on selling it rather than leasing it. However, there are many resources than can help landowners find ...

    How to Trade Up Houses

    Trading up a house is what people do when they already own a home but want to move to one that is bigger or in a different neighborhood. The basic concept is simple: Use the ...

    Can You Cash Out Your CalPERS Retirement?

    Like every other employer-sponsored retirement plan, the money in your California Public Employees' Retirement System account is supposed to fund your golden years. Because you ...

    Will I Lose My SSI Income After I Get Married?

    Qualifying for Supplemental Security Income, or SSI, is a challenge in itself. Several factors -- including your age, type of disability and income -- play into whether you ...

    How to Figure Out Debt-to-Credit Ratio

    One of the factors used in figuring your credit score is the amount of money that you owe. It's a big one, accounting for 30 percent of your score. Within the category, the credit ...

    How Often Do 401(k) Providers Have to Send Out Benefit Statements?

    The cash in your 401(k) is intended to pay for your golden years, but wise investors keep tabs on their nest egg in the years before their retirement. Unlike investments that you ...

    How to Detect a Deceptive Real Estate Agent

    Deceptive people are hard to spot for just that reason -- they're tricky, conniving, and good at what they do. It's wise to vet the reputation of every real estate agent you deal ...

    How to Draw From Your 401(k)

    Because of its tax advantages, a 401(k) plan offers only a few options for withdrawing money before retirement. While early 401(k) withdrawals are generally not recommended ...

    Can a Roth Conversion Be Done From a 403(b)?

    If the lure of tax-free retirement distributions has you thinking about converting to a Roth individual retirement account, make sure you do your research first. The Internal ...

    Rules to Subletting Your Apartment

    Subletting can give you the chance to get out from under the boot of a nasty landlord without losing your deposit. If you're planning to study abroad or go on an extended trip, ...

    How Long Do They Spread Payments if You Win the Lotto?

    Whether you're a regular of the lotto circuit or play only the occasional mega-jackpot, you may have wondered just how a dream jackpot would be divvied out to you. Winners of ...

    How to Check an Apartment Before Signing a Lease

    No matter how enticing a new apartment seems, you want to avoid any misunderstandings or headaches that might arise once you live there for a time. Aside from rent, you usually ...

    How to Make Compost

    You can easily create compost with lawn clippings, leaves, food scraps and other natural materials. Composting turns these items into nutrient-rich organic material that benefits ...

    How to Make a Cheap Compost Bin Out of Houshold Materials

    You don't have to buy a compost bin to enjoy the benefits of homemade compost; you can build your own using a few household materials. When you've finished composting your yard ...

    When Should I Spread Out My Composted Soil?

    After establishing your compost heap, knowing when to spread that compost on your garden can be challenging. Large pieces of organic material that haven’t composted ...

    How to Use Coffee Cans As Mini Composters

    For home composters with an outdoor bin, emptied coffee cans with their tight-fitting lids make an excellent place to temporarily store food scraps before taking them outside. ...

    How to Cash Multi-Party Checks

    Sharing can be hard, especially when that something is worth money. A multi-party or two-payee check means that the proceeds are not necessarily yours alone. Insurance, escrow ...

    What Stocks Will Benefit From High Food Prices?

    Rising food prices may hurt stocks that depend on consumers with a lot disposable income, because they will have less money to spend on other things if they have to pay more for ...

    Rental Property Ownership FAQ

    Investing in a rental property can be a good way to create income and build wealth over time. Finding the right rental home and the right tenants can make a significant difference ...

    How to Tell if You Are Under-Insured or Over-Insured

    Choosing the right homeowners insurance coverage isn’t easy. If you’re under-insured, you could be left with unpaid claims. But while it doesn’t make sense to ...

    What Happens to the Mortgage if a Co-Owner Wants Out?

    A mortgage is a hugely significant, long-term responsibility. During the course of up to 30 years, circumstances can change, whether you are in a business partnership or a ...

    How Much Do You Get Penalized When You Draw From Your 401(k)?

    If you're under 59 1/2, you can only withdraw money from your 401(k) plan after you've left your job or you have a substantial financial hardship. Even if you're eligible, before ...

    How Long Does It Take to Get a Car Loan From a Bank?

    Getting a car loan from a bank instead of a dealer can save you money. Your loan approval sets a limit on the amount you can spend, protecting you from buying a car that's too ...

    Is Using Your ATM Card at the Store Safe?

    Using your ATM card, whether you enter a PIN or not, is more vulnerable to theft than using a credit card. If your credit card is stolen or compromised, the thief uses your ...

    Requirements for a Irrevocable Family Trust Agreement

    A family trust, also called a living trust or revocable living truss, put assets away for your beneficiaries. Such a trust avoids probate after you die, so your heirs get ...

    Non-Recourse Real Estate Loans

    The difference between a recourse and a non-recourse real estate loan doesn't really matter unless you quit making the loan payments and the bank forecloses on your property. Then ...

    What Does "Unamortized Discount" Mean?

    You can grab a bond for less than its face value, which is what it will pay at maturity. The amount of the face value above the current price is the bond’s discount, which ...

    If I Cash Out My IRA How Long Till I Get a Check?

    The process of sending a check for an IRA withdrawal includes the time it takes to sell assets within the fund as well as settlement periods for selling stocks or bonds. You can ...

    Can a Roofer Take a Lien out on My House Without Permission?

    When you hire a company or individual to work on your home, you enable them to place a lien on the home if you fail to pay them. Direct contractors, subcontractors, laborers and ...

    Definition of Channel Checking vs. Insider Trading

    The Securities Act of 1933 prohibits dishonesty, misrepresentations and other types of fraud when selling securities. In spite of this, and other SEC laws and regulations, some ...

    Tax Consequences for Rolling a 401(k) Into a Roth

    Rolling over your 401(k) isn't always possible because you can only access the money in the account under limited circumstances. However, if you can do a rollover, you might want ...

    What Happens If You Write the Wrong Account Number for Direct Deposit?

    Direct deposit saves you a trip to the bank on payday -- as long as you provide the right banking information to your payroll processor. If you happen to write down the wrong ...

    Does the IRS Apply Refunds Due to the Money Owed From Previous Years?

    When you have too much income tax withheld from your paychecks, or overpay estimated taxes, you may wind up with a refund owed from the Internal Revenue Service. The IRS will send ...

    What Happens if You Get a Refund Anticipation Loan & Then Find Out You Owe the IRS Money?

    Prior to the 2013 tax year, taxpayers could receive a refund anticipation loan from a tax preparation office in about 24 hours. Tax preparers would collect hefty fees from ...

    Property Taxes Vs. Assessed Value

    Property taxes are sometimes called ad valorem taxes. Ad valorem is Latin and means that the tax is tied to value. The property valuation that gets used to determine property ...

    Kinds of Living Trusts

    A living trust is another way to pass on your money and belongings after you die. It’s often used to replace a will, though many people use both a will and a living trust to ...

    How to Estimate the Cost for a Patio Enclosure

    A patio enclosure costs an average of $11,000, with the low end at $3,000 and the high end at $20,000, according to HomeAdvisor.com. At the extremes, a basic roof-plus-screening ...

    How to Get Out of a Co-signed Student Loan in Divorce

    When you co-sign for a loan, you are telling the lending bank that you assume all liability to make payments on the loan if the person for whom you are co-signing fails to make ...

    What Is a Trust Fund & How Does It Work?

    Trust funds are not just for the wealthy. If you have assets -- like a home or retirement account -- you can use a trust fund to pass these along when you die. Determining the ...

    Do You Have to Have College Acceptance Before Applying for the Pell Grant?

    The federal government assists needy students through the Pell Grant program. You don’t need to pay back this grant money, but you qualify only if you’re an ...