Hedge Against Inflation as an Individual

Many people who save up extra money over time want to know how to hedge against inflation as an individual. Inflation is when the purchasing power of an amount of money gets smaller because of a general rising cost of goods and services over time.


Time value of money is the simple concept that an amount of money now is worth more than the same amount of money in the future because of the money's ability to earn interest during that time.


Most of us forget that this hard earned money should grow not only with the rise in income but also in line with economy and inflation. The savings lying idle in the bank accounts shrinks, as the value of money depreciates.


When you need to prepare your financial statements, you may want to hire an accountant, a certified public accountant (CPA) or an accounting firm. Whether you need to prepare financial statements or pay taxes for your small business, your family, or just for yourself, an accountant can help you organize your financial information.


Getting a raise from your employer can be difficult. If you are working hard and showing initiative but are still unable to get a substantial raise from your employer, you may want to give yourself a raise.


Each year, thousands of individuals and employers violate the terms of their own visas or visas they sponsored for others. These are often serious offenses which can result in civil liability, deportation, and even criminal sanctions.


Identity theft can be one of the most damaging and difficult-to-repair forms of theft. As soon as you suspect that your identity has been stolen, you should take steps to report the theft and stop further damage.


If you're a security guard or police officer deployed to the scene of an incident, writing up a detailed and accurate report is an important part of doing your job correctly.


If you're a police officer or security guard, knowing how to write up a detailed and accurate report is important. A well written incident report gives a thorough account of what happened and sticks to the facts.


Some American taxpayers find themselves in the uncomfortable position of witnessing another person’s tax evasion and fraud. The Internal Revenue Service welcomes whistleblowers.


Welfare, which is government assistance given to individuals and families in need of financial support, is distributed by state agencies in order to help with basic living needs (e.g., medical support, food support, and financial support).


Smuggling involves moving something from one place to another in violation of the law. Smugglers most commonly move drugs, humans, or fake consumer goods from one country to another for the purpose of financial gain.


Have you heard police called "pig"? Well, "I am very proud to be called a 'pig'. It stands for pride, integrity and guts.", said United States President Ronald Reagan.


As licenses are becoming  ever easier to forge , fake IDs are growing more common and more accurate. If you're in a position where you must verify someone's age or identity — whether a bouncer at a club or a teller at a grocery store checking a license for tobacco sales — it's important that you know how to detect fake identification.


Spying on someone else is a tricky proposition. It is not easy to do, and many of the activities that come to mind when you think of spying as seen on television or at the movies are probably illegal.


If you feel like you are drowning in debt, you are not alone. In 2014, the average American household had $15,000 in credit card debt, and nearly $40,000 in mortgage debt.


Next to weight loss, financial fitness is one of the most popular resolutions people make in the new year period, to improve their situation. If shrinking your financial footprint and improving your bottom line are part of your current plans, you'll be glad to know that it's very doable and that by following the suggestions outlined in this article, you should find yourself shrinking the debts and improving your savings in no time.


After-school programs are a great way for kids to beat boredom and have good, clean fun when school gets out. While sometimes there’s no way to avoid an expense, there are many ways to save money while ensuring your child still gets a robust after-school experience.


Purchasing a phone  through a major carrier can make your immediate costs lower, but you’ll be locked into a service contract. The contract will include the cost of your phone in installment payments, so you're still paying for it.


Report Someone to Child Protective Services

If you believe someone has abused or neglected a child, or if you believe a child is in danger of being abused or neglected, then you should contact Child Protective Services (CPS).


The high cost of many items nowadays necessitates careful budgeting. If you carefully select your purchases and create a shopping list, you'll be able to get what you need without damaging your wallet too much.


If you're expecting a nice tax refund this year, you may be wondering how you should spend it. It may be tempting to go on a shopping spree, but there are lots of ways you can put that money to excellent use.


Skiing is a great winter hobby. You feel the rush of winter as you navigate down pristine mountains before returning to a warm, inviting chalet. However, the costs to ski add up, making budgeting a priority when you don’t want to break the bank.


One of the the most important things to a prison inmate is regular contact with their friends and family. Fortunately, the Bureau of Prisons has made it mandatory for all federal prisons to have the TRULINCS program, which allows inmates to communicate with their loved ones via email.


Visiting someone in prison requires some planning on your part. Once you know which prison the inmate is staying at, you need to make sure that you have been put on the inmate’s visiting list.


If you know someone who is in prison, giving them access to books can immensely help them pass the time, continue to learn and think, and just cheer them up.


If you have a friend or family member in prison, you may want to send them money to pay for expenses such as telephone charges, or to buy items at the prison commissary such as paper and pencils, toiletries, or snacks.


Prepare to Report to Federal Prison (Federal Prison Camp)

If you have been convicted of a crime, you will have to go through sentencing and a designation process before you will go to prison. You should start preparing for prison before sentencing and you or your attorney should lobby hard for a favorable outcome during sentencing.


Sometimes through our own choices, mistakes, or bad luck, we find ourselves facing unhappy consequences – like a night in jail. For many of us who have never been arrested or spent time in jail, this is a very scary and anxiety-filled thought.


If someone is on probation, it means that they are under the supervision of a probation agency instead of being incarcerated.  [1]   People on probation may be required to regularly report to the probation agency, or may be merely ordered to comply with other conditions, such as paying fines, seeking employment, or attending a rehabilitation program.


If you plead guilty to or were convicted of a crime, then you may have been sentenced to probation. Probation can be imposed in place of a jail sentence or after you are released from jail.


The purpose of a parole letter is to inform the parole board why an offender should be given parole and let out of prison. Parole letters are most often written by the offender, as well as by people who know the offender and support his or her release.


Use Classified Advertising Websites for Marketing Your Business on a Budget

Marketing your business on a budget is never easy. If your business is struggling with advertising or marketing cashflow, a great way to increase exposure of your business services or products is by using classified advertising websites.


Children and young adults usually have few ways to make substantial income, yet need money from time to time. If your parents are able to support you, there is nothing wrong with asking them for a little help.


Need some spare change? Want to use one of the penny crushers at a zoo or museum? Try looking for spare change in the most likely parts of your house.


If you were convicted of a crime (or pled guilty), then you may have been sentenced to probation. A judge will impose probation where he or she believes that you can be rehabilitated without going to jail.


Money is a major worry for many people. It can be easy to overspend and be left with buyer's remorse. If you want to more wisely manage your money, it starts with a budget.


Whether you're traveling outside the country or on your way to conduct a substantial cash purchase, you may at some point need to carry around a large sum of cash.


A savings account lets you set aside money that you do not need immediate access to at present, yet want to have accessible quickly if facing unexpected expenses.


Dry cleaning your clothes can get pretty expensive. People spend around $1,500 per year dry cleaning their clothes when only 35 percent of those clothes required dry cleaning.


Have you ever wondered how you could save money by stretching your dollar? Or ever wondered what you could do to put more cash in your pocket? Well, you've stumbled into the right place because this article is going to tell you how just by saving all of your spare change and using it to your advantage could actually do that.


Recover Unclaimed Money From the Government

Much like receiving a tax refund, discovering that you have unclaimed funds waiting for you can feel like finding “free money.” But, of course, in both cases the money has been rightly yours all along and you deserve to have it.


If you have a retirement plan, an IRA, other investment accounts, or a life insurance policy, you can determine who gets the proceeds from those accounts when you die by naming a financial beneficiary.


Financial security provides us with an acceptable standard of living, peace of mind, and builds a foundation for success for your descendants. Unfortunately, many outside forces put your financial security at risk.


Savings accounts earn interest on a regular basis. This interest is compound interest, meaning that interest earned increases over time as the account balance increases.


For some individuals who struggle to stay within a monthly budget, credit cards, online purchases, and other relatively intangible expenses drain your money quickly.


Use Your Car to Become Debt Free, Wealthier and Happier

Your life can be much better in less than a year. It can be dramatically better in 5 or 10 years from now -- start here.
Have you ever said, "I'll always have a car payment."


Most people worry about not being able to pay their bills. But what do you do when you suddenly come into a sum of money? Whether you received a surprise tax refund, bonus, or inheritance, you need to first assess your situation.


Sick of carrying a lumpy wallet or purse jammed with cards you don't even use? The elegant money clip may be an attractive alternative. This accessory can tuck neatly into the breast pocket of a blazer or hide discretely in the side pocket of a pair of trousers.


If the world of investment is new to you, or if a financial planner is out of your budget, there is no need to panic. A robo advisor can be an easy-to-use, cheap alternative to traditional financial planners.


Do you have a wise confidant who can help you reach your challenging goals more quickly. That's similar to what's called an accountability partner for workouts and lifting weights, taking turns spotting, and encouraging each other—loudly.


When the time comes to change an existing financial or business management solution, companies can often find themselves daunted by the prospect of such a large undertaking.


Everyone wants to come up with a way that works for them to help them track their money. Xpenser is a utility that you can interface with by a variety of means to do that.


In today's world of finances, many transactions are completed by way of credit rather than debit or cash. Money is being borrowed and lent out left and right, whether it's to individuals or small businesses or large corporations.


Talk to Your Sweetie About Financial Worries

If you are in the type of relationship where you live with someone else AND you are in love with, or at least like them a whole lot, you are going to have to work out the financial balancing act with them.


Trading foreign exchange on the currency market, also called trading forex, can be a thrilling hobby and a great source of income. To put it into perspective, the securities market trades about $22.4 billion per day; the forex market trades about $5 trillion per day.


Binary options trading has become increasingly popular over the last decade. Day traders in particular access these markets with ease from their computers.


Being poor is nothing to be ashamed about. You can make this dark cloud over your life float away by taking control of your expenses. Surviving starts with this simple rule: don't spend more than you earn.


Track Previously‐Submitted Dollar Bills in WheresGeorge

Ever spotted a dollar bill that has been previously stamped with the WheresGeorge classic motto? Keep track of these bills as they move around the United States.


Parents who show their their kids how to handle money empower them to develop financial responsibility. Wise parents expand those conversations as their children mature.


You may binge spend as a way to cope with negative feelings, to feel excited, or because you lack impulse control. If you feel like your spending gets out of hand, it’s time to work toward managing your money and your emotions differently.


Track Your Finances Using Your Smart Phone and Google Forms

Tracking your finances is an important skill to successful independent living. This guide will help you create a phone-friendly finance tracker that helps you be more aware of your income and expenditures, so that you can be more financially responsible.


A personal financial crisis can come from many things -- a lost job, a divorce, bankruptcy, a sudden medical emergency, or any situation in which your financial security crumbles beneath you.


Money is an important part of life, and one that cannot be ignored, but focusing all of your mental energy on the subject can be unhealthy. Start by trying to take the stress away from dealing with your finances.


Almost 75% of workers live paycheck to paycheck, so you aren’t alone if you are struggling to keep ahead of your bills.  [1]   Fortunately, financial peace of mind is closer than you might imagine.


The terms "rich" and "wealthy" are often used interchangeably, but in fact they are two different concepts. Wealth relates to how much money you have in the bank, and the security of your assets.


Stay Motivated to Meet Your Savings Goals

Maybe you’re saving your money for a big trip, a major expense, or to help pay off debt. You may struggle to stay motivated to meet your savings goals, especially when there is so much temptation to buy something new or splurge on something you want.


Starting a new life can be a great opportunity to make refreshing choices and decisions. However, doing so with no money can present a bit of a challenge as well.


Every day fraud is underway--in some shape, form or fashion. Unfortunately, there are many people who believe that scamming others out of money is easier that working for it.


Winning the lottery can be an exhilarating experience. These new winnings can also cause some new issues to arise in your life. Proper management and spending of your new wealth can help you make the most of it over time.


Sending money from India to any other country, known as an outward remittance, involves a high amount of government restrictions, and tight control of foreign exchange.


Self-managed super funds (SMSFs) are a tool for saving for your retirement offered through the Australian financial system. One of the biggest differences between an SMSF and other retirement funds is that members of an SMSF are usually trustees.


Until recently, the United States maintained a long-standing trade embargo against Cuba, and one of the repercussions of that embargo was that US citizens were restricted in sending money to relatives or friends in Cuba.


A lot of older teens and young adults find themselves without a car to drive to school, college/university, work, or even just around the city to run errands.


Everyone usually has to send money to another person at some point in his or her life. Maybe you need to pay the babysitter each week, split a bill with friends at a restaurant, or send money to family living abroad.


Spend Less Money Shopping for Clothes and Makeup

Sick of spending too much money shopping for clothes and make-up? Do you want to save your money? Well look no further! This article is for you!


Save Money when You Have a Spending Habit

Yes everybody loves money—well, spending money. A lot of the things people buy are not needed: new clothes, gadgets and night life are not always necessary.


Schedule Deposits and Bills in Quicken Home & Business

Every time you enter a transaction into Quicken, it records it as a bill or deposit to allow you to keep track of expected credits and debits into your account(s).


Working with a financial adviser can make it easier to understand your financial options and help you invest wisely and plan for the future. It's important to find a financial adviser whose skills and experience are compatible with your financial goals.


Filing your taxes in the U.S. or anywhere else is always a hassle, but it is possible to save some money in the process. Start by using your retirement funds and other savings accounts to their full advantage.


SavedPlus is a savings app that helps you build up your savings automatically. Every time you make a purchase from your checking account or credit card, SavedPlus additionally transfers a set percentage of that purchase amount from your checking to your savings account.


One of the unfortunate and unpredictable aspects of home ownership is the expense of performing upkeep and repairs yourself. Buying building materials and hiring contractors can get expensive quickly.


According to Harvard University’s Joint Center for Housing Studies, people with homes that are older than 15 years old spend an average of $2,450 for regular maintenance on their home.


You can save money on so many things. Read on how you can change a few things and save lots of money.


There are many ways to save money when traveling by taxi. Plan ahead and compare taxi rates between various companies. Before getting into a taxi, you should know roughly how much it will cost and confirm the price with your cab driver.


Clothing costs can add up quickly, especially if we're in need of a wardrobe update. There are a variety of tips and tricks that can help minimize spending when shopping for a new season.


Many situations involve the need to save money for moving out, but one of the most common, most anticipated, and most nerve-wracking is moving out of your parents’ house to live on your own for the first time.


Purchasing a home is a major investment and probably one of the biggest financial decisions you’ll ever make. After you've done some unpacking and are starting to feel settled, there are some things you can do right away that will help you tighten up your home's efficiency and save money.


College is a time full of expenses, and most people don't have much earning power during their college years. You can absolutely get through college without landing hopelessly in debt – but you'll need to work hard and use all of the options available to you!


Tired of not having enough money to buy things you want, like an iPod? Or that next generation gaming console? Read this article, and you will be  saving money  you didn't even know you were spending.


Has an electronic device you regularly use just ground to a halt? Do you ever wonder how you can extract the most value from your AAs? Although some batteries can be temperamental, knowing a bit more about how they work can help save you money (and headaches) in the end.


Raising children as a single parent can be expensive, especially since the entire family needs to survive on 1 salary. If you are a single parent, you need to be mindful of your budget, and you also need to teach your kids good spending and saving habits.


Save Money Living in an Apartment as a College Student

Regardless of your living arrangements or employment situation, you could probably stand to save money here and there. Here are some simple tips to get things rolling, particularly for college students living in an apartment!


Wondering in what locations your dollar bills will travel to and from? This article will explain to you how to track those bills as they enter and leave locations via WheresGeorge, a popular dollar-bill tracking website.


Maybe you have a friend or family member who is in financial despair and you have decided to try to get them to see the value of saving money. Or perhaps your romantic partner is drowning in debt and you would like to help them get better at managing their finances.


An economic collapse means a breakdown of the national economy. It would be characterized by a long-term downturn in economic activity, increased poverty and a disruption of the social order, including protests, riots and possibly violence.


Do you need some extra cash for bills or another particular purpose? This is the spell for you.


Preparing a personal finance statement is a great idea if you are trying to get an idea of where you stand financially, or you are considering a major life change that will affect your finances.


If you get a membership site under way, or are in the physical process of setting one up, there is one fundamental thing that you must detect that many neglect.


Organize Your Personal Year End Finances

You should never organize your year-end finances all at once. Rather, you should be engaged in a steady process of organizing and reorganizing your financial documents and information throughout the year.


Participate in the 52 Week Money Challenge

Kicking off on the first week of a new year, the "52-Week Money Challenge"  [1]   is a great way to set the right financial tone for the next 12 months.


Your financial health determines how successful you have been with money. There are many factors you need to take into consideration when measuring your financial health.


Managing your money can seem like an impossible task, but that is only because you haven't taken the time to start managing it. Today, keeping your finances in order is easier than ever.


Manage Your Finances with No Bank Account

For many people a bank account is a must have. You deposit your paycheck into it and then use checks to pay bills and a debit card to make daily purchases.


Remarriage is an important event financially. You’ll want to enter your second or third marriage with your eyes wide open about how you and your spouse approach finances.


Starting college is a big moment as you leave home and begin your life as a college student. All the new responsibilities can be difficult, but research shows that students consider money management to be the thing they were least equipped to deal with on their own.


Most investment accounts and savings accounts you put money in will earn you what is called "compound interest". When you put money into a compound interest bearing account, your principal (i.e., the money you put in yourself) will earn interest at a certain rate over time.


This is a very simple way to manage your money. This article helps you figure out how you can manage it more efficiently.


A family fun fund is a savings fund to spend on anything the family wants. The idea is to contribute to it over a year and to spend it at the end of the year on something that the family wants as a whole.


A demand draft is a document that allows you to withdraw money from another person's bank account without needing a signature. The person that is withdrawing money will need to have routing and account numbers, in addition to the account holder's permission.


There comes a time in everyone's life when you must move out of your parents' place and venture out into the world on your own. You’re excited at the thought of being able to entertain in your own space, decorate the way you want and go about your business as an adult.


While financial goals are important to establish, you need to make changes to your everyday spending and saving habits in order to achieve them. For instance, if you get in the habit of tracking and limiting expenses, you'll likely develop better control over your spending.


Tax accounting is a set of accounting methods that deal with the preparation of tax accounts and returns. Learning tax accounting means becoming familiar with tax code and filing requirements for your specific location.


Living on a modest or minimal income can be tiring and stressful, but by budgeting and seeking aid when necessary, you can survive on a surprisingly small amount of money.


Living paycheck to paycheck is no fun. Even worse is spending more money than you make. When the end of the month has you in the red, it can be very stressful and cause significant financial problems.


Whether you have suffered a pay cut or wish to save money to build up a financial cushion, living in your office may be a decision one may contemplate to save on costly rent and/or home ownership costs.


Achieving financial and personal independence is a great feeling, and is manageable with some hard work and careful budgeting. You will have to assess everything you earn and everything you spend, and figure out areas you can make savings.


Your rainy day fund is the amount of money you’ve saved for unexpected emergencies, such as a trip to the doctor or repairs when your car breaks down.


Mint.Com has lots of things that it can do to help you save money. But first, you have to create an account.


Managing your money can be fun (and very easy). Here is a simple way for beginners to plan your spending.


For many people, crafting is more than a hobby, it's a lifestyle. The Do-it-Yourself movement and crafting magazines, such as Martha Stewart Living, help you to think creatively about how to decorate, create presents and self-style your life.


Renting a safe deposit box at your local bank or post office is an excellent way to store valuables and irreplaceable items. Safe deposit boxes are more secure than home safes, as they are kept within larger safes and cannot be picked up and carried off.


Staying on top of your personal finances can be challenging, tedious, and even discouraging, but for most people this process is a necessary evil. Spending more than you earn is a sure way to bury yourself in debt, and not being careful about precisely where your money is going can leave you struggling to pay for necessities like groceries.


Learn About Compound Interest and Investing Using the One‐Penny Trick

You can turn one penny into a huge fortune quickly and easily — at least in theory, if not in practice. You can amaze your friends with a simple example of how a small number can get very big very fast.


Spot Someone Impersonating a Police Officer

Police officers are given an immense amount of power and they play an integral role in maintaining the public's safety. Due to this power, a lot of people try and impersonate police officers.


Tell if You're Being Pulled Over by a Legit Police Officer

Being pulled over can be a very scary experience. It doesn't happen very often, but there have been reports of people impersonating police officers driving unmarked vehicles.


In 2010, there were over two million burglaries, which caused over 4.5 billion dollars in lost property. The average burglary costs over $2,000 in lost property.


If a police officer has reason to suspect you have committed a crime or traffic violation, he has the right to stop and question you. However, the scope of his questioning and the extent to which he can search you will depend on the circumstances of the encounter.


A police report is a document police officers create after an arrest, accident, or investigation. It explains what happened, details evidence, and provides witness statements and other details.


A person commits theft when he or she takes property from you with the intent of permanently depriving you of it.  [1]   Theft goes by many common names: robbery, stealing, mugging, etc.


You are driving down the road when all of a sudden, a police officer activates his lights and siren to stop you. You may feel scared and nervous about how to interact with the police officer.


Question the Accuracy of Police Speed Radar

According to experts, as many as 10-20% of speeding tickets are issued in error because the radar didn’t read your speed accurately. When the officer measures your speed from a moving police car, then the error rate jumps to as high as 30%.


Generally, you cannot move to another state if you are on probation until your probation ends. However, if you want to move for a good reason – such as to be closer to family or to accept a job offer – you may be able to have your probation transferred under the Interstate Compact.


Probation is imposed on a person in lieu of a jail sentence. The length of probation will depend on the offense committed. Generally, probation can last from one to three years but can be longer for serious offenses like drug or sex offenses.


After you are convicted of a crime, a judge could sentence you to prison or put you on probation. With probation, you are allowed to stay out of prison, although you will have to satisfy certain conditions, such as community service.


Probation has certain strings attached – conditions a probationer must meet to stay out of jail. Some conditions, such as the condition not to violate the law, may seem obvious.


Criminal records and probation information are public record in most states. Therefore, you have every right to know the name of—and how to contact—someone’s probation officer.


Many federal sentences include a period of probation – called supervised release within the federal system – after you complete your time in prison.


Protect Your Rights During Any Police Encounter

You have many rights during a police encounter that you may not even be aware of. However, two of the most important are your right to remain silent and your right not to be illegally detained.


Know Your Rights If You've Been Arrested for Drug Possession

Knowing how to handle your arrest for drug possession may minimize the legal penalties that follow such an arrest. It is crucial to know your rights.


If you have been released on parole (or probation, depending on the terminology used in your state), you will be required to comply with certain conditions.


When you get pulled over by a police officer, your first instinct is probably to panic. However, remaining calm can work to your advantage. Overall, you want to be polite and make sure your traffic stop is not unusual, so that you may have a chance at getting a warning instead of a ticket.


In some states, police set up roadblocks and stop drivers to search for signs of intoxication.  [1]   If the officers have reasonable suspicion that you are driving under the influence, they will ask you to pull over to investigate further.


Have a Positive Law Enforcment Encounter

Encounters with law enforcement personnel, whether you have summoned them or they have found you, can be acrimonious, frightening, and even humiliating.


A polygraph test is a test that uses a machine to measure responses from your body during the course of an interview, usually consisting of questions about your past.


Do you see the police breaking a law, and get the feeling that they feel they are above the law? Recording their behavior is much more productive than getting in their face about it, and you can do so effectively by following these steps.


You're late for that meeting. Is it okay to speed up a little? Let's see... nope. Now you're on the side of the highway, waiting for the cop to come down on you with questions about your license and registration.


Being stopped by the police can be stressful and unsettling, especially if you have done nothing wrong. The power disparity only increases the tension.


Go Through a DUI Checkpoint Without Being Tested

Although drunk driving checkpoints have been ruled constitutional, many drivers pass through them unknowingly waiving their rights. If you're driving under the influence or suspect that you could be cited for driving under the influence, this can be problematic.


People who are on probation aren't free to do as they want – they must fulfill any requirements put in place by the court and check in with their probation officer on a regular basis.


A parole officer is a law enforcement agent who oversees the activity of people who have been released from prison after serving part of a sentence, making sure that the individual abides by the parole conditions set by the court.


Finding a person who is on parole can be a little bit easier than finding any other person, because they have to check in with their parole officer on a regular basis as a condition of their parole.


In Texas, a judge may end a party’s probation period early in some situations. Article 42.12, Section 20 of the Code of Criminal Procedure gives judges discretion to grant motions for early termination of probation.


In most states, officers have the right to set up checkpoints to screen drivers' sobriety and ticket those who are drinking and driving. Roadside checkpoints typically are set up on holiday weekends at busy intersections or entertainment areas with lots of bars.


The only way to complete probation is to follow the rules and comply with all requirements of your criminal sentence. When you are placed on probation, you are being given a chance to remain in society, under the supervision of the court, rather than be incarcerated.


Depending on the crime for which they were convicted and the amount of time they've served, offenders may be released from a Texas Department of Criminal Justice (TDCJ) correctional institution early and placed on parole.


Probation can be difficult and cumbersome – especially if you believe you have been fully rehabilitated and want to get on with your life. Not all jurisdictions allow you to end your probation early, but in those that do, you stand to enjoy several major benefits – not the least of which is a restoration of many of your rights, including a potential restoration of your right to bear arms.


A speeding ticket results in a fine, along with higher insurance premiums in some cases. It is in your best interest to try to get out of a ticket. Sometimes you can convince a police officer not to issue a ticket shortly after you were stopped.


You might be nervous about what's going to happen when you get pulled over, but remember that officers are the ones who have every right to be nervous.


Police brutality is defined as the use, by the police, of excessive or unnecessary (or both) force against civilians. Force is deemed “excessive” when such force goes well beyond what is necessary to handle a particular situation.


Police encounters can be intense. You may feel that you have been unfairly arrested. However, in order to avoid any negative consequences, you need to stay calm and in control of yourself during the encounter.


When the police pull you over for an alleged traffic violation, you may experience a number of different emotions, including anger, fear, embarrassment or frustration.


Jail and prison are two different institutions. Jails are most often run by sheriffs and/or local governments and are designed for holding individuals awaiting trial or serving sentences shorter than a year.


If you are incarcerated in state or federal prison, you may be able to secure an early release through your jurisdiction’s credit-earning programs, the parole process, or through special circumstances.


Avoid Liability Issues in K9 Police Units

Liability for K9 units often arises due to excessive force—for example, the dog bites someone when there was no necessary reason for the dog to attack.


Get Readjusted After Returning from Prison Camp

No matter what type of prison camp you were in, starting your life again is going to be difficult. However, you should be able to find some support to help you begin your life.


If you wish to get a divorce while incarcerated, you may be unsure of how to do so without access to the financial resources required to pay a lawyer or the freedom to get information on your own behalf.


Gain Custody of Children with Incarcerated Parents

In order to get legal custody of children whose parents are in jail, you need to petition a court for legal guardianship. You can do this by contacting a lawyer and filing the appropriate documents with a court.


A prison consultant is a person or company that will help a defendant and their family navigate through the stages of incarceration. A good consultant will explain all aspects of pre trial, prison and re entry.


Get Financial Assistance for Children of Incarcerated Parents

When individuals are incarcerated and have children under 18 years old, those children will need financial assistance that would usually comes from the parents.


Criminal records are public records, as are the names of people currently housed in state or federal correctional facilities. As long as you have correct identifying information, finding someone in jail typically is easier than finding any other person.


Finding out whether a friend or relative is in jail or whether someone who has recently been arrested is still in jail may seem daunting, but it can usually be done with a bit of time and patience.


If you’re having trouble finding someone, you should consider an inmate search. In the United States, approximately 1% of the population is currently in jail or in prison.


If you have been sentenced to federal prison, you will become the property of the Bureau Of Prisons (commonly known as BOP). If you have been given a federal sentence, then it is likely that you'll be spending several years behind bars, but if you know what to expect right away, your life in prison will be much easier.


Find out if Someone Is in Jail in Williamson County, Texas

Williamson County, which contains part of the metropolitan Austin, Texas, area, has a useful website that can help you locate someone who may be incarcerated in the Williamson County Jail.


If you're constantly hungry in jail, there are several resourceful ways to get more food or to make your food more palatable. Here are some suggestions from an initial author who has "been there".


It’s confusing to go from the normal day-to-day living with your spouse to suddenly feeling the absence as he or she spends a sentence in prison. You may experience loss, mourning, anger, sadness, frustration, guilt or shame.


Walking into prison for the first time, no matter who you are, is a frightening experience. The mixture of adrenaline, fear, anxiety, and confusion is deafening.


The Social Security Administration (SSA) runs many benefit programs which provide retirement, disability, and supplemental income benefits. In 2014, over 59 million Americans received over 800 billion in benefits.


If you're convicted of a crime, the U.S. justice system entitles you to at least one appeal. However, it can be difficult to manage an appeal while you're serving time.


The U.S. Department of Housing and Urban Development (HUD) operates a housing voucher program under Section VIII of Title 24 of the Code of Federal Regulations.


Phishing is a tactic used by criminals to gather personal information (such as passwords and Social Security numbers) in an attempt to commit identity theft.


Experts estimate that nonprofits lose almost $77 billion a year to fraud.  [1]   Nonprofit fraud harms not only those who give to charity but the nonprofit itself.


Internet fraud can cost substantial amounts of money – both to individual victims and to the public as a whole. The FBI and the Secret Service combat internet fraud in its many forms, from hackers that break into secure servers to steal credit card numbers to email spammers who try to trick you into giving up bank account numbers or other identifying information.


A person who has been arrested, charged with a crime, and is detained in police custody may be eligible for temporary release while they await trial.


If you have information about someone who is a citizen of another country and is in the United States illegally, you may want to report them – especially if they are engaging in criminal activities such as drug trafficking, human trafficking, or terrorism.


The Office of the Postmaster General/Inspector General investigates and prosecutes crimes involving the US mail, including mail fraud. If the violation exists, Postal Inspectors may prosecute or otherwise take action against the offender, but they cannot get your money back for you or require that the fraudulent materials anywhere other than those sent through the US mail be changed or removed.


Immigration fraud is a serious offense. Someone commits immigration fraud when they promise to sell you a visa or sell you a fake job in order to get a work permit.


There are two different motivations behind reporting insurance fraud. The first is turning in an insurance company, an insurance agent, or an independent claims adjuster for an act of fraud against consumers.


If someone has stolen your identity, including personal information such as your name, birthdate, Social Security number, and financial account numbers, the toll can be devastating – and things can become even more complicated if the identity thief uses your information to file a fraudulent tax return.


While you should report any fraud you witness or personally experience to your local law enforcement agency, you also may want to file a tip or report with the FBI and other federal agencies.


The USDA's Food and Nutrition Service operates SNAP, the Supplemental Nutrition Assistance Program, which enables more than 47 million struggling Americans obtain healthy food for their families.


For the most part, gambling is regulated by state law, so whether a particular instance of gambling activity is illegal depends on the law in your state.


Someone convicted of a crime may seek a pardon to restore his or her legal rights, such as the right to vote or serve on a jury. Pardons for federal crimes are issued by the President of the United States, while pardons for state crimes are issued by the Governor of the state in which the crime was committed.


Whether you’re moving and furnishing a new space or need to give your home a new look, there are plenty of ways to save money on furniture. When buying new furniture, try to shop at the end of the month or during common vacation times, which is when you’ll find the deepest discounts.


In tough economic times, it's often difficult to put away savings for when you'll need it. Many of us find ourselves living paycheck to paycheck, struggling to pay rising living expenses.


Everybody wants to save money, but if you need to do it fast, there are a few quick tricks that will help you manage your budget. To save money fast, you have to pay attention to how much you spend on transportation, groceries, and entertainment, as well as to make other small adjustments in your everyday life.


Write a Letter to a Judge Before Sentencing

Writing a letter before sentencing is a way to tell a judge that the criminal defendant is a good person who deserves a light sentence. Not everyone should write a letter.


If you become a part of a poor neighbourhood or visit them periodically throughout your life, you can't help but notice is how terribly most poor folk tend to budget!


If you're looking to save money on day-to-day expenses, there are a variety of simple ways to cut down on costs. Everyday expenses, like food and transportation, can add up over time.


Are twins twice the fun but also twice the price? Raising one child is already enough of an expense requiring careful budgeting for a family. If you’re raising twins, you’re now faced with that stress times two.


Saving money can seem daunting, especially when you feel like you are living paycheck to paycheck. An easy way to start to save is to collect your loose change.


Vacations are a great way to break out of a rut, an opportunity to have a good time and experience something new; however, they’re generally expensive.


Keeping control of finances is essential for a healthy work and home life and to live within your means. The trick is knowing where to start, but once you start a deeper evaluation of your spending you might find a host of ways to reduce costs or excessive spending.


The phrase "pay yourself first" has become increasingly popular in personal finance and investing circles. Instead of paying all your bills and expenses first and then saving whatever is left over, do the opposite.


If you or a family member are getting up in age and require help with getting around, you may consider moving into an assisted living facility. These facilities offer assistance with daily living in a safe, supervised environment.


A financial plan is a saving instrument that can help you plan for major purchases or retirement. Whether you're saving for your children to go to college or working towards a down payment on a home, a financial plan can help you determine how much you'll need to start saving now to meet that goal.


Having sound Personal Finance Budgeting has many benefits. Budgeting properly will help you plan for and reach your financial goals and dreams as well as eliminate all the emotion of managing your finances.


Receipts come in various forms and sizes and are usually thin pieces of paper that are hard to archive. Many people have piles of receipts and no idea how they should be organized.


You don’t have to spend a lot of money to feel good and pamper yourself after a long week. A do-it-yourself spa day or relaxing evening at home is a great way to set aside some “you time” without breaking the bank.


In a struggling economy, it can be difficult to manage your budget due to rising costs of fuel, utilities and other necessary items. During tight financial times, it is more important than ever to know how you are spending each dollar.


Even if you have not been convicted, a criminal record of charges or arrests may be detrimental to your getting employment, volunteering, or even getting some loans.


Each state has its own bail bond system, which gives someone who has been charged with a crime the opportunity to get out of jail and remain free until trial.


There are many different ways to request a bail hearing. Generally, after you have been arrested, the judge should automatically consider whether bail is appropriate either at your “first appearance” or at your arraignment.


Get a Bail Bond After a Previous Bond Is Revoked

If you violated the terms of your bail, then you probably were arrested and turned over to the police. The judge then revoked your bail and you forfeited your bond.


If you violate the conditions of your bail, then the court can revoke it. You will be arrested on a bench warrant and taken to jail.  [1]   In order to get your bail reinstated, you need to file paperwork with the court and then possibly attend a hearing.


Get Electronic Monitoring for Bail or Immigration Release

Many people who are in custody awaiting a bail or immigration hearing may be eligible for alternatives to detention or incarceration. You can look into a range of options for electronic monitoring, GPS tracking, alcohol monitoring and other solutions to get the best chances for release from custody before your trial or hearing.


“Bail” is typically the amount of money you have to post in order to be released from jail as you await your trial. For example, if you are charged with robbery, then the judge might set bail for $10,000.


When a friend or family member is arrested, your first priority may to get the person out of jail on bond. The bond amount for the person will depend on their charges and the bail bond laws in the state or area they were arrested in.


A bail bond is money or property deposited with the court that is refunded or returned when the defendant returns to court for trial, but is forfeited if the defendant disappears, fails to appear, or “jumps bail.”


The bail system is used in many states to allow someone who has been arrested to get out of jail while awaiting a court date. If your friend has been arrested and you would like to pay their bail, you must first understand the different types of “bail” and how each one works.


Each state has a bail system, which gives someone who has been charged with a crime the opportunity to get out of jail and remain free until trial. Different states have different types of bail options available to defendants, but the main principles are the same in each state.


“Bail” is a deposit of money that courts require from criminal defendants. The court holds the deposit to ensure that the defendant keeps any court appearances.


Anyone can wind up in jail, whether you've committed a crime or not. You may be in and out in no time, but if not, you can await trial while out on bail.


File for a Modification of Bond Conditions

When you are released on bail, you have to post a bail bond and also agree to abide by certain conditions. Should you violate one of the conditions, then your bail can be revoked.


If you’ve ever been arrested or convicted of a crime, it’s a good idea to request a copy of your criminal history record, so that you can examine exactly what it contains.


Having a felony on your record can cause serious problems even after you’ve served your sentence. Felons may have difficulty finding a job, renting an apartment or getting higher education.


Determine if You Should Post Bail for Someone

You may make a habit of helping out your friends when they're in a jam, but posting bail for someone is a big decision that shouldn't be made lightly or in haste.


Having a felony on your criminal record has serious implications. Beyond not being able to register to vote, you may have difficulty finding a job or renting an apartment.


Whether you are an employer, a parent, a neighbor, or just curious, there may be times when you want to find out if someone is a sex offender. People are required to register as sex offenders when they have been convicted of a number of different types of criminal offenses.


Get Rid of Credit Cards Without Hurting Your Credit Score

Your credit score is partly based on your credit utilization, which is the percentage of available credit you are currently using. If you close an account, then your available credit drops and your utilization rate rises.


Get a Credit Limit Increase on a Credit Card

Credit limit increases are beneficial to you in more ways than one. Not only do you have more available credit to work with, but raises in your credit limit can also improve your credit score by lowering your credit utilization ratio.


Is that credit card offer in your hands too good to be true? Maybe. Credit card companies are in the business of making money, so you need to know how their enticing offer is going to benefit  them  before it benefits  you .


While a wisely used credit card can be an asset, a poorly managed one can be toxic. Divorcing yourself from your credit card for all but the most essential purchases is one way to rein in bad spending habits, and learning to pay cash again for most things will bring back a sense of value into your shopping choices.


In California, if you want to get a felony expunged, you will need to complete and file necessary paperwork with the state. You also will have to attend a court hearing.


You can pay with a debit card, rather than cash or a credit card. A debit card is "attached" to your bank account, so the funds go directly from your bank account to the merchant's account.


If you have been convicted of a felony, that conviction is probably a matter of public record and visible to anyone who searches for it. You may be able to have your criminal record expunged, which removes or alters the conviction in the court's records.


RFID embedded cards use radio frequencies to transmit data. These cards have been in use in Europe for many years but are just coming into use in the U.S.  [1]   The idea is that consumers should be able to use these cards at stores and restaurants to pay for purchases without having to swipe the card through a scanner.


If you have a credit card, a certain portion of your credit line is typically available for cash advances. You can get these cash advances from any ATM or financial institution that does transactions with your credit card company.


Credit card issuers are eager to get your business. One of the strategies they employ to accomplish this is to offer credit cards that allow you to accumulate cash rebates.


As a consumer, there are many instances when you may need to resolve a dispute with a particular merchant. If you try to return something but are unsuccessful, if you do not receive goods or services that you bargain for, or if charges appear on your credit card statement that you did not authorize, you may need to seek a credit card chargeback.


Rewards accounts can be a handy way of earning some return on your spending, but you may no longer need or want your account. These can sometimes be tricky to close, especially if the account is attached to a credit card.


Some credit card companies offer cash-back rewards on certain purchases. Sometimes you're eligible for cash back on all purchases, while others restrict what purchases are eligible, depending on the card that you choose.


When cash is tight, you might need a cash advance. Not all businesses accept a credit card, so a cash advance might be the only way to pay for your car repair or to make up your late rent.


With a prepaid credit card, you deposit money onto the card, and then use it to purchase goods or services at any retailer that accepts credit cards.


Use a Credit Card to Improve Your Credit Score

Having a good credit score is important because it shows other potential lenders that you are responsible with your money, and you are likely to pay on time.


Find Credit Card Balance Transfer Offers

When you have accumulating debt it can increase your stress levels and take a toll on your wellbeing. One way to save money on interest and finance charges is to find credit card balance-transfer offers.


If you run any kind of a business, you must figure out how to use credit card systems in order to process credit card payments from customers. The type of system you use and the equipment you need varies depending on how you interact with customers.


Use a Credit Card at a Snack Vending Machine

Some vending machines will now take credit cards. If you are wondering how these can be used, this article can help you. This article will explain how to use a vending machine when you only have a credit card for making the payment.


Determine the minimum monthly payment to pay off your  credit card  in the desired number of months, or determine how many months it will take to pay off a card at a set payment of your choice.


Getting your first credit card is a major financial step. Used properly, credit cards offer a flexible way to cover unexpected expenses and build up a good financial reputation.


Credit card statements are notoriously hard to read. There are, however, several important reasons you should make sure you understand everything about your credit card statement.


You look down on the ground and find a credit card. What do you do? Although your first instinct might be to call the police or search for the owner, you should instead call the number on the back of the card.


Credit cards do have advantages; they can come in handy for emergencies, paying for items online and making large purchases. However, using credit cards can turn into a bad habit that results in credit card debt and financial distress.


Stopping a credit card payment may be necessary for several reasons. At times, a pre-arranged payment must be delayed when a paycheck does not arrive on time, or some sudden financial emergency means delaying that payment for a short period of time.


Stop Interest and Late Fees on Credit Cards

Credit cards can be an effective way to earn rewards on purchases you already make. They also allow you some financial flexibility for timing purchases around influxes of money.


Do credit cards rule your life or do you rule your credit card? Having a credit card is a privilege and as such, it should be treated with care and consideration for the consequences of its use.


Paying off credit card debt can take 10 or more years of monthly minimum payments, or several years of concentrated living beneath your means to reduce the debt.


Credit card owners may need to initiate a dispute for a variety of reasons, most frequently over unauthorized charges or over a discrepancy in the billed cost of an item or items.


Stop Getting Credit Card Offers in the Mail

Who wouldn’t want less junk mail? Fortunately, there’s an easy way to opt out of receiving credit card offers in the mail. Visit the website optoutpreescreen.com and enter your personal information.


Paying off the balance on a credit card can seem daunting at times, but it becomes even more discouraging when the credit card company tacks on extra charges.


Many credit card programs offer rewards or perks to entice customers to apply for a particular card. The more often you use a card, the more reward points you can collect.


Receive a Refund on Prepaid Credit Cards

Most major issuers of prepaid credit cards, including Visa and MasterCard, treat purchases with prepaid cards the same as purchases made with conventional credit cards or debit cards.


Protect Yourself When Transferring Balances From One Credit Card to Another

Transferring credit card balances from one credit card to another will allow you to consolidate your credit card debt on a lower interest rate card.


Credit card fraud can happen in a lot of different ways, but most of them are preventable if you follow a few basic steps to keep your physical cards safe as well as your personal information.


When you rack up a substantial amount of credit card debt and it becomes overwhelming, you need to work with the credit card company to find a solution.


There are several types of finance charges that you can incur on your credit card, including late payment and interest charges. If you have been a good customer to your credit card company in the past, you might be able to convince them to reverse finance charges.


Joint credit cards can be useful for various people to share credit accounts—husband and wife, parent and child, caretaker and dependent. You should trust the person you are considering for this joint account.


HDFC Bank members can redeem credit card points to receive free gift cards, vouchers, household items, and much more. HDFC Bank customers can redeem credit card points at any time via the Internet, telephone, or by mail.


The Ford Motor Credit Co. is categorized as the financial services division of Ford Motor Co. and has been operating since 1959, financing more than 50 million drivers in 36 countries.


Apply for a Credit Card While in College

One of the best times to apply for credit is during college, as many creditors are eager to get young adults to sign up for cards. In fact, you may be overwhelmed with your options, which is why having the process simplified with a few steps can be helpful.


If you're looking for the benefits of a credit card, but don't want to overspend, a prepaid card may be for you. Prepaid cards, however, come with a variety of different policies, charges, and advantages.


Opening your first credit card is an important step towards financial independence in a young adult’s life. Credit cards are a great way to build your credit history, to make large purchases, and to use during emergencies.


The American Express Platinum Card offers a higher level of benefits than American Express Green and Gold Cards. The benefits include a point reward system, four free companion airline tickets per year, airport club access and round-the-clock Platinum Card Concierge service to assist with travel and gift purchases.


It's important to help your child get a good financial education. Part of that education includes how to establish a credit history and using credit responsibly.


Comparing fixed rate credit card offers involves understanding some basic elements like introductory terms, reward programs, APRs and penalty fees. You also need to take a look at your financial situation to determine what you can afford to pay each month.


Most credit cards are unsecured cards, i.e. something that allows you to buy on credit and pay later. This is as opposed to secured cards, which require a deposit.


Get a Visa or Mastercard With No Credit History

Getting a Visa or Mastercard with no credit history can sometimes be as difficult as getting one if you have a bad credit report. Nevertheless, there are several ways you can get a Visa or Mastercard with little or no credit history.


Compare Credit Card Offers for People With Bad Credit

Having bad credit doesn’t mean you can’t get a credit card. However, you most likely will qualify only for a “secured” credit card. This means you deposit money onto the card, and you can charge up to the amount that you have deposited.


Credit cards are frequently essential for many day-to-day activities. Their convenience and potential rewards can make them very lucrative for careful spenders.


A credit card is a very important financial tool in today's world. Some business transactions, like renting a car or booking travel, are very difficult to manage without a credit card.


Secured credit cards offer those with little or damaged credit a way to build or repair their credit scores. To get a secured credit card, you need to make a cash deposit and the deposit acts as collateral for your credit limit.


Even if you have a bad credit history, you can work on rebuilding it. There are several ways to get a credit card. You might get a secured card, get a card with someone to help you by cosigning, or take a card that requires some additional fees.


Get a Business Credit Card With Bad Credit

Getting a credit card for your business can be difficult if your credit score is low. Lenders prefer a robust credit score which usually indicates that the borrower will be able to meet payments.


When you declare Chapter 7 or Chapter 13 bankruptcy, the record stays on your credit report for eight to 10 years. This can make obtaining credit in the future difficult.


Get a Credit Card when You Have a Low Income

We all know that building credit is an important component of financial security, but if you have a low income it can be difficult to get a credit card in the first place.


Often, in order to entice individuals to use their credit card, companies will offer travel benefits to card users. These travel rewards typically give the user one point (or mile) for every dollar that you spend, plus extra points or miles for specific types of purchases, as specified in the card’s user agreement.


The only thing worse than bad credit is no credit. If you are younger, or have just moved from a cash-based economy, there's a chance you've never had a credit card or loan, and therefore never had a credit history.


Buy a Prepaid Credit Card With a Credit Card

Prepaid credit cards can be a useful way to control your finances if you don’t have a bank account, to gift money, or to teach your kid financial discipline.


When you’re shopping for a new credit card, consider what the card has to offer – and what using the card will cost you. Make sure you read the fine print on both the credit card offer and the agreement to double check the terms.


If you don’t qualify for a conventional credit card but would like the convenience and security that come with such a card, consider purchasing a prepaid credit card.


Several credit card companies offer rewards, such as travel deals, free products or cash back, for consumers who use their cards. Before you choose among the many rewards cards available, determine the best type of reward for your lifestyle, spending habits or financial situation.


An unsecured credit card is a credit card that doesn't require you to put down a deposit as collateral.  [1]   If you're someone with good to excellent credit, you should qualify for an unsecured credit card.


While you may be bombarded with credit card offers through the mail or via your local bank, it doesn't make sense to simply take the first "pre-approved" offer you get.


The State Bank of India (SBI), which began in 1955, is India's state-sponsored bank with headquarters in Mumbai and branches throughout the country.


Apply for an American Express Credit Card

Applying for an American Express (AmEx) card is easy and the approval process is quick, whether you apply online, via mail, or over the phone. Before you sign up for an AmEx card, there are some things you should know regarding terms, fees, rewards systems, and other conditions associated with American Express credit accounts.


Shell is a worldwide conglomerate of petrochemical and energy companies based in The Netherlands. You're probably most familiar with the Shell gasoline stations that have been around for a number of years.


Kohl's is a U.S. department store chain that offers private-branded goods, exclusive labels, and nationally recognized brand-name merchandise. Kohl's Corp., in affiliation with Capital One, also offers an in-store credit card that provides members-only discounts and incentives.


Macy's is a U.S. department store chain featuring mid-to-high-range products. Macy's stores carry a variety of goods including apparel, bedding, shoes, small electronics, jewelry, cosmetics, a gift registry and home décor items.


The Kohl's credit card allows you the flexibility to shop in the store as well as online. Weekly sales and discounts are among the advantages of using a Kohl's credit card, and it takes only a few steps to fill out an online application and obtain a credit account with the company.


Work With Credit Card Companies to Avoid Bankruptcy

Declaring bankruptcy can have a devastating effect on your credit score, financial stability, and confidence in your ability to manage your finances.


Credit cards are essential in today’s society and while credit cards can be extremely useful and give the individual much more purchasing power than they ever had before, credit cards can easily be abused causing financial hardships and ruin for hundreds of thousands of people each year.


A Chase credit card provides you with the flexibility to handle financial emergencies with the backing of a globally recognized bank. Chase offers a wide range of credit card choices, allowing you to select the card that best suits your financial needs.


If you are drowning in debt and can't pay your credit card bills, it may be easier than you think to work out arrangements to settle your debt, either on your own or through credit counseling organizations.


Applying for a credit card can be confusing and intimidating if you are not sure exactly what to do. Not only are there countless types of credit cards, but each one can have different rules to follow, different interest rates they charge, along with a variety of perks.


Apply for a Capital One Credit Card Online

Credit cards can be useful financial tools. A good credit card can help you buy important goods and services, build up your credit score or offer some nice rewards.


Credit cards get a bad rap because of their interest rates, late fees, and encouragement to pay only the minimum balance every month. They require restraint and financial good sense.


A Best Buy credit card enables you to save money through discounts. The company offers a store credit card (which can only be used in Best Buy in-store or web purchases) and a Best Buy Visa card.


Credit cards have been much maligned, probably because they have caused the downfall of countless consumers. Some financial planners will tell you to cut up your credit cards and operate on a cash basis only, or use a debit card instead.


Credit card rewards points have become a central component of many Americans' financial planning. With so many companies in competition with one another, you have a lot to choose from.


If you are a loyal customer of a certain company, a gas station or retail store  credit card  may help you save money. If you are looking for a retail store card, you can find the right card by looking at your spending habits and evaluating the pros and cons of different cards.


Capital One is a very popular credit card company with a wide range of credit card types. The company offers cards with various annual percentage rates, rewards like cash back and travel points, and special cards for businesses and people with poor or no credit.


Use a Secured Credit Card to Build Credit

A secured credit card is a credit card with a limit that is based on the amount of money you put down as a security deposit for the card.  [1]   People with poor credit or no credit history often can't obtain unsecured credit cards because banks view them as too risky.


Cash back credit cards are a great way to earn money from purchases that you would make anyway. However, untangling reward terms for a credit card can be almost as complicated as sorting out how your interest charges accumulate.


You might receive in the mail credit card offers touting interest-free introductory periods. Oftentimes these are legitimate offers that, if used correctly, will provide you with many options to borrow money without interest charges.


Many people are reaping the benefits of using prepaid credit cards. One of the main advantages is that you can use them at ATMs just like a normal credit or debit card.


Credit card debt continues to increase. In the United States, for example, the average balance for those with credit card debt is $16,048.  [1]   If you want to avoid that kind of debt load, commit to using your credit cards less.


Managing your credit cards properly is important for your financial well-being. Poorly managed credit accounts can lead to debt and financial hardship, and carelessly managed cards can put the security of your identity at risk.


AARP, American Association of Retired Persons, is a United States nonprofit organization available for people 50 years of age or older. The organization was formed to better the quality of life for seniors through their services.


Lower a Credit Card's Available Credit Line

Do you wonder how to lower your credit card's available credit line? Credit card credit lines are in place to help consumers manage their spending. Banks also modify consumer credit lines to minimize the bank's exposure to risk.


Making credit card payments on time each month is important for maintaining a good credit rating and saving yourself from late fees. Though paying online is typically the easiest option, there are other methods available if you do not have access to the internet or need to pay in cash.


Make a Settlement With a Credit Card Company

Credit card companies may be willing to settle for less money than you owe, but should be approached with a settlement offer only if you need to settle to avoid bankruptcy.


Fight Credit Card Companies Who Are Suing You

When you sign up for a credit card, you are entering into a contract and agreeing that you will pay your credit card charges on time for every month that you maintain a balance.


Under federal law, if you find a charge on your credit card that you did not authorize, or if you are dissatisfied with the goods or services you purchased, you have the right to contact the credit card company and have the amount charged back to the merchant.


Keep Your Credit Cards Safe During the Holidays

During the holiday season when shopping and spending levels are higher than usual, you must take precautionary steps to prevent thieves from stealing your credit card information.


Convert Credit Card Points to Frequent Flyer Miles

Many credit card companies offer rewards points that can be exchanged for, or applied to, frequent flyer miles. The conversion process and rates will depend on your credit card terms.


Secured credit cards are helpful when you need to rebuild your credit score, and can’t borrow using unsecured credit lines. However, once you’ve improved your credit score, you will probably want to switch to an unsecured card, where you can earn more rewards and don’t have to pay a deposit.


If you’re on the cusp of making a purchase but can’t quite recall if you have enough credit available, there are several different ways to access this information and put your mind at ease.


If a bank or credit card account expires you will have to dispose of your old card safely and securely. Thoroughly destroy the card to ensure that it is unusable and limit the possibilities of any fraud.


You might need to dispute a credit card charge if you find purchases on your credit card statement for items you personally did not buy or authorize.


No one likes a surprise on their credit card statement. Luckily, if you find a charge on your Visa statement that looks unfamiliar, the Fair Credit Billing Act  [1]   provides protection.


Credit cards can be a great tool when spending money, especially large amounts, but can also be a financial burden if used incorrectly. Credit card debt is one of the most common causes of bankruptcy in the United States, and people should always be cautious when using their cards.


The SBI card is a credit card offered by the State Bank of India. If you need to cancel your SBI card, make sure that all of your pending transactions have posted to the account.


There may come a time when you no longer need your Discover credit card. Whatever your reason for cancellation, canceling your Discover credit card is a simple process that can be done over the phone or by mail.


Change a Secured to an Unsecured Credit Card

There are two basic kinds of credit cards: secured and unsecured. A secured credit card is backed by collateral, and is used mostly by first-time credit card holders and individuals with bad credit.


Cashing out a credit card balance — more commonly called a credit card cash advance — is one way to get your hands on cash that’s otherwise unavailable.


Updating or changing information on your credit card is important if you are making changes in your life, such as moving, changing your marital status, or even just changing your phone number.


There are several situations that may require you to cancel a credit card or debit card payment. If you pay for damaged or defective goods with a credit card, you may need to cancel the payment.


Calculate the Finance Charge on a Credit Card Balance

With so many consumers using credit cards today, it is important to know exactly what you are paying in finance charges. Different credit card companies use different methods to calculate finance charges.


If your credit card is costing you too much money or you just have too many of them, you may decide that it's time to close the account. This is a relatively easy process that can be done almost entirely over the phone.


The federal Truth in Lending Act mandates that all lenders, including credit card companies, must disclose the APR (annual percentage rate) on the monies loaned.


Microsoft Excel is a comprehensive spreadsheet and financial analysis tool and can be used in business and in personal finances. Among other budgeting tools, Excel also features functions that can help you calculate payment amounts, mortgage amortization schedules and other helpful figures.


Calculate Credit Card Interest With Excel

The annual interest rate on credit cards can be notoriously high. While most consumers would prefer to reduce, or even eliminate, credit card debt, it remains a familiar item in family budgets.


If you have a credit card, you're likely familiar with the term Annual Percentage Rate, or APR.  [1]   This is the yearly interest rate on your credit card's balance.


Making a late credit card payment can have disastrous consequences. Your interest rates can skyrocket, your credit report will suffer, and penalty late fees may pile up.


If you are late paying off the balance of your credit card, you will likely incur further finance charges on the balance until it is paid. The best way to avoid these charges is to pay off the balance on time.


Build a Credit History with American Express

The American Express Credit card, also referred to as AMEX, is a particularly established and reputable corporation. Founded in 1850 as a shipping service, it slowly transitioned into the financial sector, issuing its first credit card in the 1950s.


Apply for a Credit Card Balance Transfer

Transferring balances from a high-interest credit card to a low-interest one can be a valuable tool in managing personal debt. If you possess multiple credit cards with high interest rates, consider consolidating the balances onto one card.


Whether you want to authorize an employee to use a company card or you're helping a family member through an emergency, adding someone to a credit card account is a relatively straightforward process.


Calculate Credit Card Accelerated Debt Payoff

Reducing credit card debt is often the first step to financial freedom for many people. One of the best methods for becoming debt free is to learn how to calculate credit card accelerated debt payoff.


Add Your Teen As an Authorized User on Your Credit Card

Many people add their teenagers as authorized users on their credit cards. Their reasons vary. For example, they may want to help their teen learn how to use credit responsibly or to begin building their own credit history.


If you are sued by a credit card company, then you should begin planning your defense right away. You certainly have a good shot of beating the lawsuit.


Set Up Credit Card Processing for Your Business

Running a successful business—–especially an online business—–means being able to process credit cards. However, finding the best solution can be difficult.


If you have an inactivated credit card lying around your office or home, you're leaving yourself susceptible to identity theft because someone could steal the card and activate it.


When you receive a new Visa credit card, you should activate it immediately. Leaving an unactivated credit card unattended could lead to identity theft, because someone could steal the card and activate it.


Accumulate the Most Credit Card Reward Points

In today’s marketplace credit cards have become the dominant payment method. Accepted all over the world credit cards can be used to purchase almost anything.


Suspicious activity or unrecognized charges on your credit card statement might be signs of identity theft. If you believe you are the victim of credit card fraud, it is imperative to act quickly.


Understand the Application of Penalty Fees Under the Credit Card Act (USA)

As of August 22, 2010, new rules came into effect to restrict the ability of credit card providers to charge excessive penalty fees under the Credit Card Accountability Responsibility and Disclosure Act of 2009 (known as the Credit CARD Act).


Transfer Travel Reward Points to Another Program

Many credit card companies and airline loyalty programs offer travelers the chance to earn reward points and transfer them into discounted airline tickets, rental cars, and hotel stays.


Though most companies won't let you use regular credit cards like a debit card, you can use a prepaid credit card like a debit card. Prepaid credit cards work like debit cards, but they are accepted like credit cards.


Debit cards look the same as credit cards and share many of the same convenient elements, as opposed to carrying around lots of cash or (if you really like going “old school”) writing paper checks.


Nowadays you can pay almost all your monthly bills like water bills, electricity bills, phone bills etc. online which saves you from the headache of paying bills physically.


A debit card is a bank card that works like an electronic check. When you use your debit card, the payment is deducted directly from your checking or savings account.


You might want to dispute a debit charge for a couple of reasons. First, someone might have made an unauthorized charge using your debit card. This can happen when the card is stolen.


Debit cards work like credit cards, but they are connected to your checking account. Money is deducted automatically every time you make a purchase.


Take Advantage of Bank of America's Keep the Change Program

Bank of America offers a program for many customers with  debit cards , called Keep the Change. In the program, each purchase is rounded up to the nearest dollar, and the difference is moved to an interest-bearing savings account.


Check if a Visa Debit Card Is Counterfeit

This article will help retailers, and others to check if a Visa Debit Card is legitimate or not.


Debit cards are convenient, but checking your balance can be a hassle. When attempting to check your balance, always go to the official sources of your card issuer.


A criminal record (a.k.a., a rap sheet) is a record of someone's criminal history.  [1]   Someone's criminal record is usually a culmination of local, state, and federal information.


A criminal record can cause you difficulty, whether you’re trying to get a new job or rent a new apartment. This can be even more frustrating if the only blemish on your record is an arrest that didn’t lead to conviction.


Debit cards can be very useful. For many people, they can help you manage money better than credit cards, because you are sensitive about not overdrawing the money that you have in your bank account, and you do not risk going into debt.


Have you lost out on job opportunities because of a criminal record conviction? A conviction on your record can also be embarrassing and cause stress.


The  bank  tells you to be careful about tearing up the PIN that they send you with a new card. But did you know that there are more things that you can do to protect your number and ensure that nobody tries to use your account?


A financial advisor is an expert in wealth management, helping you make decisions about the use of your money including investments, insurance, and planning for retirement.


Most criminal court records are part of the public record, so you can request them from local, state, or national agencies.  [1]   Note that in many states (eg California), regular citizens can't request someone’s entire criminal record.


Your criminal record can make it more difficult to get a job or rent an apartment. Employers and landlords may inquire about your criminal history. But, if you expunge your criminal records, you can honestly say that your record is clean.


If you have been convicted of a felony, that conviction is probably a matter of public record and visible to anyone who searches for it. You may be able to have your criminal record expunged, which removes or alters the conviction in the court's records.


A person files a false police report when they knowingly make false statements to the police. In other words, they know the statements are false when they make them.


Extortion involves someone threatening to cause harm to you or someone you care about unless you do something against your will or pay them money.  [1]   The threats also can involve the exposure of harmful or damaging information about you that would ruin your reputation at work or in the community.


Disaster fraud unfortunately springs up in the wake of natural disasters such as hurricanes and flooding. For example, someone might volunteer to organize medical relief efforts, only to then steal medical equipment.


When you file for bankruptcy, the court typically enters an automatic stay. This order prohibits most creditors from contacting you in any way or attempting to collect on the debt you owe them.


It is illegal to hit someone with a vehicle and then flee the scene of the crime. If you’ve been hit, then you are probably feeling incredible stress.


When you see criminal activity, you should immediately report it to the police. Write down important information about the crime and criminal. If someone needs medical attention, call an ambulance or emergency services.


If you've been the victim of an assault, you probably have concerns for your safety and well-being, as well as the safety of loved ones. Before you do anything, make sure you are in a safe place and have protection in the event the person who assaulted you comes after you again.


Before you report a robbery, you should try to write down a description of the robber. Robbery is a violent crime and you may be emotionally shaken after the event.


Anabolic steroids, medically known as anabolic-androgenic steroids, are synthetic versions of the male sex hormone testosterone. They are often prescribed to treat hormonal conditions, like delayed puberty, or conditions that lead to muscle loss, like cancer or AIDS.


“Kidnapping” refers to the taking and transportation of a person against his or her will, or the confining or detaining of a person for an illegal purpose.


Protect Your Rights in Search and Seizure Situations

The best way to protect your rights during a search and seizure situation is to understand them. The United States Constitution protects against unreasonable searches and seizures whether you are in your home, driving a car or walking.


Make an Anonymous Report to Child Protective Services

You suspect a child is being abused or neglected and you don't know what to do. You may want to stay anonymous because of fear of reprisal or a connection to the family.


Crime is a pandemic that is fast taking over the world. With the recession in the world's economy; fraud, corruption, theft, falsehood and violent crime is rampant.


A citizen's arrest is a formal arrest by a citizen who has no official government authority to make such an arrest because the citizen is not an agent of the government.


Trying to stretch every dollar? Using a few simple tricks, you can save significant money on food. It might be something as simple as buying generic brands and clipping coupons.


An affidavit is a sworn statement signed under penalty of perjury. A police officer creates an affidavit when he or she seeks an arrest warrant or a search warrant for a drug offense.


For those who always seem snowed under by incoming bills, or others who just want to get their monthly and annual bill payments in a better state of organization, new software options can help streamline bill paying for modern consumers and households.


Take Legal Action when Assaulted by a Retail Worker

If you were assaulted by a retail worker, U.S. law treats the situation differently depending on whether that person is a coworker of yours or you were a customer in the shop.


Grocery shopping is a chore that some people enjoy, and others dread. If you find yourself unwilling to go to the grocery store frequently enough to keep your fridge and pantry stocked with food, consider buying your groceries online and having them delivered.


Prevent Crime at a Public or Private Place

Most crime is clustered in certain “hotspots."  [1]   You can prevent crime by focusing on these hotspots and using different prevention methods. Many of these methods are designed to limit the ability of people to commit crimes by, for example, limiting their access to the hotspot.


If someone threatens to harm you over the internet, it's called a cyber threat, but cyber threats really are no different from a threat communicated any other way.


Joining a supermarket loyalty program can give you access to member-only "deals" and lower costs on select groceries. However, the company that runs the loyalty program also gets something from you: your personal information and information on your purchasing habits at their stores.


Store circulars are weekly ads that the stores places out selected items as their "loss leaders". These items are sold at a lower price than what you would normally see on the shelves in their hopes of bringing in more consumers to purchase more products while they're shopping.


Eating properly is important for your overall health, but finding healthy food that’s affordable can be a challenge. Eating well on a budget is possible though, and the trick is to plan before you go shopping, to look for savings in-store, and to take steps to stop wasting food.


Grocery shopping can be an overwhelming experience, and saving money at the store is tricky. Not only must you be a savvy shopper, but it helps to be savvy in the kitchen.


Is money running out? Are you having trouble making ends meet? Or are you just noticing you are racking up a huge food bill and wonder how you could lower it?


Although the trend toward homemade meals has been decreasing, many people still prefer eating home-cooked food. Food takes up a major part of the family budget.


Use Everyday Groceries in Alternative Ways

This article shows you alternative and creative uses of your everyday food products. We hope that our hacks will help you save some money, reuse leftovers and be more eco-friendly: it would be wonderful, if you learnt something useful!


Tired of wasting so much money on food and ended up throwing some of it away? Annoyed with all the high food bills you have? Well we've all been there.


Save Money Getting Your Groceries Delivered

There are several ways to save money when getting your groceries delivered. Keep an eye out for deals and compare prices of your grocery delivery services to prices at your local grocery shop.


Save on your bottom line when you learn how to lower grocery bills. With just a small amount of preparation time before you head to the supermarket, a keen eye at the store and a little bit of know-how, you may be saving more than you spend.


Food costs can get expensive, especially if you're on a budget. There are a variety of legal routes you can take to find food for free or cheap in your area.


Go Grocery Shopping With Fifty Dollars in the Bank

This article will show you how to go grocery shopping for one to three people with only $50 in the bank.


There are health benefits associated with eating organic foods because they are not grown with the use of insecticides and pesticides. This means that organic foods should carry fewer potentially harmful toxins, and many people think they taste better too.


Food stamps, more accurately referred to as Supplemental Nutrition Assistance Program (SNAP) benefits, are provided to U.S. citizens and nationals who meet certain qualifications and take the time to apply at a local office.


Make Grocery Shopping Efficient and Cheap

A step-by-step approach for creating a successful shopping list that meets your needs and keeps you on budget. This is an effective and flexible method whether you are shopping for yourself or for the family.


Having to avoid gluten, particularly for medical reasons, can be a daunting and expensive task. Although some metropolitan areas are becoming increasingly “gluten-free friendly,” many grocery stores and communities offer little accommodation for those avoiding gluten in their diets.


Are you short on money and want or need to eat free? Eating for free isn't easy but it is possible in a variety of ways, provided you're clued in on what is needed to get the free food or find it for yourself.


To use budget billing for your utilities, simply contact your utility provider and ask if you can switch to a budget billing system. The most important thing to do when using budget bulling for your utilities is to read the fine print on your budget billing agreement.


Food is literally a driving force of life. Without food, humans literally cannot survive. In a simplified sense, free food is practically free life.


Find Hidden Bargains at the Grocery Store

Going to a supermarket can sometimes be a hassle, as you're always trying to find the best deals for food and other stuff.  Budgeting your money  might be stressful and an extra chore if a person isn't  organized .


Use R6 Bill Tracker to Help With Your Bills

The Internet is full of tools that will help you with your bills. R6 Bill Tracker is one of them. An open source software, it helps you keep up with yourself.


Bill Me Later, also known as PayPal Credit, is a PayPal service that will essentially let you get an item now and pay for it later. It’s an easy-to-use service, just like a credit card.


Work with Your Veterinarian to Reduce Costs

Veterinary care is a necessity when your animal needs vaccinations, has been injured or become ill, or needs surgery. This care quickly becomes expensive, however, and vet bills can often rise to a startling dollar amount as appointment fees, prescriptions, and billing for procedures all add up quickly.


Saving money on utility bills can really impact your budget. Utility bills are one of your biggest monthly expenses. There are a number of short-term and long-term things you can do to save money.


Being on a tight budget should not be reason to be deterrent from purchasing healthy food items. Deciding to make healthy choices does not automatically indicate that you will have to purchase more expensive food options.


Expensify is an online application that lets people easily create and submit expense reports. Since you can’t mention the word “expenses” without “bill” trailing close behind, Expensify also lets you process your bills that go with the expense report you’re making.


If you have a limited budget, you may find yourself keenly aware of rising food costs. Buying cheap food can help you stretch your budget a little bit further each month.


There are many ways to save money on canned food. The easiest ways are to look for deals as advertised by your local grocery mart and clip coupons you can use to obtain canned food for even less.


Stay Solvent in a Single Income Household

Living on a single income is difficult. However, almost 40% of households in America are raising children on one income.  [1]   People’s reasons vary.


During the winter months, heating your house is often necessary. Unfortunately, it is also often expensive. There are some ways you can save your home heating bill, though.


Take Action Against a Predatory Towing Bill

Predatory towing is a term that refers to a combination of generally unethical practices used by some towing companies to maximize their income. These practices include using spotters to get your car towed almost as soon as you leave it; charging excessive fees for towing or storage; or making private side deals with owners of stores or parking lots to maximize towing income.


Grocery stores can easily suck shoppers in with useless deals and specials that distract you from what you actually need to buy. A large family requires a lot of food, especially with growing children in the mix!


How often do you go to the supermarket? When you go, do you always stick to your list or do you buy whatever looks good? Studies show that almost half of shoppers go to the store three to four times per week and purchase about 54% more than they originally planned.


If your mailbox seems to spill out an avalanche of bills that you can't pay, you need to get the situation under control immediately. Learn how to organize your bills, how to pay your bills on time, and how to prioritize your bills if you find yourself short on cash.


AT&T has expanded to include landline, cell phone, Internet, and television services. However, you can access your account and pay the bill for all of your services through the website or the customer service telephone system.


Managing bills online is simple, fast, and secure. Payments can be scheduled in minutes and you'll never have to worry about running out of stamps. Depending on your specific needs, there are lots of different services available to help you manage your bills online.


No matter your income, we can all stand to tighten our belts when it comes to feeding our families. Globally, one third of all the food produced worldwide gets lost or wasted in food production and consumption systems.


Paying your monthly bills on time is quick, easy and will save you exorbitant amounts money in the long run. Organization and setting time for administrative tasks are the first steps to always being on time with your monthly payments.


An extended absence, such as a summer vacation or a year-long business trip to another country, requires making sure that bills will be taken care of in advance.


If you don't have a bank account, you can find workarounds to pay your bills. Many places don't want you to pay in cash, particularly by mail, so you need to find other solutions.


Pay your Wal-Mart credit card bills online using their financial services website. It is a secure website that allows you to easily pay your bills, view your statements, update your personal contact information and even keeps you up to date on any news regarding their services.


HSBC offers several credit card products, including HSBC MasterCard, Orchard Bank MasterCard, GM card and Ecosmart Card. All HSBC cards offer the convenient option of online payment.


A Green Dot Card is a prepaid Visa or MasterCard debit card akin to a gift card. The difference is that you can add your name to your Green Dot card.


Every single person has to collect and pay his or her bills each month. Though some things may change, you will always have your bills to pay. Gas, electric, water, cable and internet, credit cards, rent or mortgage payments--the bills flow in through the mail every month without fail.


Welfare programs are designed to help individuals and families who struggle financially. When speaking of welfare in the United States, the term “welfare” usually refers to the TANF program, but there are other programs that are also considered to be welfare.


Bill consolidation can help you meet your financial goals and can simplify your financial life by changing several payments into only one or two. By combining multiple bills (e.g. bundling your cell phone, internet and television) you'll save time from fewer monthly payments and benefit from fewer due dates to remember.


Appalachian Power Company provides electricity to approximately 1 million customers in West Virginia, Virginia, and Tennessee. Customers can pay their power bill by telephone, by mail, in person, or using the Internet.