Debit cards, often referred to as check cards, are used to pay bills, buy merchandise and gain quick access to cash deposited in an account at a bank or other financial institution. Those with accounts can receive their Social Security benefits through direct deposit and gain immediate access to the
Kroger Grocery Stores and Shell Gasoline stations across the country have started their own reward program. It is easy and free to join, and could optimize money you spend on groceries by helping save at the fuel pump. Read on to learn how these popular brands can save you money instead of costing
As of 2009, literally millions of wives and ex-wives in the United States were receiving monthly Social Security benefits. Both wives and ex-wives are eligible to receive benefits from one of three Social Security programs -- retirement, disability or survivors benefits -- if their husbands met eli
Tax season can be a little confusing if you do not know how to fill out a tax form. The tax forms are easy to do if you understand some of the terminology used in each section. If you fill out the form incorrectly, the IRS or the state you file with will send a notice to you explaining that they had
There are no travel scholarships for teachers but private organizations and government agencies sponsor fellowships and programs which allow them to travel, participate in educational program development and expand their teaching skills and subject knowledge. Each program varies in length and focus
Veterans of the United States Marine Corps interested in furthering their educations have a number of options. All enlisted Marine veterans and many officers are eligible to receive tuition assistance and a stipend under the Montgomery or Post-9/11 GI Bill. In addition, other scholarship opportuniti
The Free Application for Federal Student Aid (FAFSA) is used to help the Department of Education determine the Expected Family Contribution (EFC) to your college education and the types of aid you are eligible to receive. Each type of aid and each individual grant or loan has its own specifications
The tax benefits of Roth Individual Retirement Accounts (IRAs) help people who expect to be in a higher tax bracket at retirement than they are in when they make the contribution because you cannot take a tax deduction for the contribution, but you can withdraw the money tax free at retirement.
Banks work with a company called Chex Systems to report accounts that have been used for fraud, or have had repeated overdrafts or account abuse. If your account is reported to Chex Systems, the negative incident can remain on your file for up to five years. Banks can access these reports when you t
Nurse practitioners offer their patients primary care from preventative care, first aid and long term assistance at a reduced cost as compared to being examined by a physician. Since they are able to diagnose illnesses and write prescriptions for medical treatment, nurse practitioners are an asset t
In a difficult economy, finding ways to make ends meet can be especially hard. You and many others want to be educated on every option that may be needed should serious trouble come up. One ...
When you open a checking account for the first time, there are so many things to remember about how to use your account. Knowing how to write a check is important because the payee will need to cash the check you have presented. If it isn't legible or it is written out inaccurately, your bank w
Investors select financial investments according to their return over time, often measured as a percentage. The central bank of a country sets an interest rate for lending the nation's currency, which other banks in the country use to determine their rates. Money provided by other banks is loaned to
Although leases for commercial property may seem roughly similar to leases for apartments or houses, they are different in more ways than most realize. Commercial leases frequently run longer, carry significant tenant responsibilities, and are treated completely differently by the legal system. In a
Your credit score gives you a good or bad reputation in the eyes of banks and lenders. It is based on your credit history and tells them whether you are fiscally responsible. You may not even know your score because you are not entitled to get it for free. You can purchase it from Fair Isaac Corp.--
Consumers and organizations sign up to use automated clearing house (ACH) systems to handle credit and debit transactions. An ACH is an electronic batch-processing system through a Federal Reserve Bank that handles small-value payments. Banks, credit unions and other financial institutions use the A
Credit cards provide a rapid and convenient way for consumers to make purchases. Unfortunately, that same speed and convenience makes overspending more likely. If an individual fails to keep close track of his credit card spending, his debt can quickly swell out of control--leaving him to default on
Knowing how to barter in an economic collapse could be just an interesting concept -- or it might turn out to be a critically important skill to have. Knowing what to stock up on, in preparation for bartering and trade during tough economic times, is the first step. Also keep in mind that what you k
A direct debit is an instruction given to your bank to withdraw money from your account on one or more set occasions. A direct debit can be created for a fixed or varied amount, which makes the system perfect for paying mobile phones and credit card bills. The ability to change the direct debit is a
A consumer who is secured for cash could create a logbook economical loan using their vehicle as security for the cash obtained in the economical loan. These economical loans are made on an obvious logbook ...