Personal Finance

How to Change Roommates or Names on a Lease

How to Change Roommates or Names on a Lease
It's not as simple as having one roommate move out and another move in. You must obtain your landlord's permission to change roommates or names on a lease.Things You'll NeedFinancial CalculatorReal Estate AttorneysNotebooksPersonal OrganizersWriting

How to Find an Assumable Mortgage

How to Find an Assumable Mortgage
When considering purchasing a new home, most individuals follow the standard procedure of saving up a down payment, finding a mortgage lender and shopping for a home. If you want to save money while still obtaining the home of your dreams, however, t

How to Calculate Stock Split Cost Base

How to Calculate Stock Split Cost Base
Several types of stock events can change the cost basis for your stock--stock splits and reverse stock splits are two of them. Stock splits don't change the price of the stock, but they will change the number of shares you own, which cuts the price b

How to Paint Cheap Kitchen Cabinets

How to Paint Cheap Kitchen Cabinets
Cheap kitchen cabinets not only aren't attractive, but often don't hold up well to everyday wear and tear. Cabinets that have seen years of use may also be covered with a film of grease and dirt from grimy hands. While it might seem prudent to just r

How to Place an Ad in PennySaver

How to Place an Ad in PennySaver
The Penny Saver is a print and online publication dedicated to advertising classified ads in many different areas of the country. You can sell everything from household goods to homes in the Penny Saver, so if you are looking for another publication

How to Create a Limited Partnership for Investing

How to Create a Limited Partnership for Investing
There are many applications for using a limited partnership. Some people use limited partnerships for holding personal assets such as bank accounts, vehicles and even furniture. Businesses use limited partnerships to hold equipment machinery and real

How to Get a Private Mortgage on My Credit Report

How to Get a Private Mortgage on My Credit Report
While your mortgage is typically the largest account on your credit report, private lenders often do not report to the credit bureaus. Your credit report should reflect a complete picture of your payment history and should especially include the most

How to Exercise & Hold Incentive Stock Options Under Section 422B

How to Exercise & Hold Incentive Stock Options Under Section 422B
Over 90 percent of the Fortune 1000 use incentive stock options as a way of attracting, compensating and motivating their employees. Not only can options greatly increase an employee's overall compensation, they cost the company relatively little bec

How to Stop Unauthorized ACH

How to Stop Unauthorized ACH
A person can obtain services and goods using Automatic Clearing House transactions---electronic credits and debits processed from his account. Yet problems can arise, such as noticing an unauthorized transaction on your account or the transaction amo

How to Stop Having Wages Garnished to Repay a Student Loan

How to Stop Having Wages Garnished to Repay a Student Loan
An administrative wage garnishment is one option the U.S. Treasury Department has for collecting on a defaulted federal student loan. In most cases, any borrower whose loan is in default for more than 270 days may face a maximum 15 percent wage garni

How to Invest in Life Settlements

How to Invest in Life Settlements
Life settlement is a special type of investment option that is recently becoming more and more popular. This is a new asset class gaining ground with time. First a little background on what they are. Terminally ill seniors often sell their life insur

How to Claim Unemployment on Taxes

How to Claim Unemployment on Taxes
Unemployment insurance can help keep you afloat if you are laid off from a job. However, all compensation from unemployment benefits above $2,400 must be claimed on your taxes. If you aren't prepared to pay these taxes, you may end up owing more than

How to Sell Assets Before Bankruptcy

How to Sell Assets Before Bankruptcy
Selling assets immediately before bankruptcy is a tremendously risky strategy. Judges review the financial records and assets of bankruptcy candidates carefully before granting bankruptcy. If the court suspects that an individual has manipulated the

How to Buy Direct Equity Shares & Stocks

How to Buy Direct Equity Shares & Stocks
Every stock market investor is aware of the role that a stock broker plays when it comes to buying and selling a stock, but what many investors don't know is that lots of companies will sell stock directly to an investor without the use of a broker.

How to Legally Break a Renter's Lease With No Penalties

How to Legally Break a Renter's Lease With No Penalties
Breaking a renter's lease can bring on a legal battle and credit damage if a judge places a judgment on your credit report. Broken leases breach a contract between you and your landlord. Understandably, losing your job or going through a break-up can

How to Sell Diamond Jewelry

How to Sell Diamond Jewelry
Diamonds have always been a popular gem and symbol of wealth, love and marriage. These popular gems have been in high demand through successful marketing efforts of the diamond industry. Many people have inherited diamonds or have an engagement ring

How to Get the Wal-Mart Weekly Ad

How to Get the Wal-Mart Weekly Ad
By browsing Wal-Mart's weekly ad, you can discover sale items and product prices specific to your local store. You can get a copy of the Wal-Mart weekly ad through the company's website, a physical store or a newspaper subscription service.Walmart.co

How to Find Defaulted Loans

How to Find Defaulted Loans
If you are unable to repay your loan and your account becomes seriously delinquent, you will be in default. A default occurs when the borrower fails to make the required payments to the lender according to the terms of the loan agreement. It is commo

How to Overcome Self-Defeating Thoughts and Feelings

How to Overcome Self-Defeating Thoughts and Feelings
Because you understand the power of words, you tend to be cautious about the words you speak to others. But what you say to yourself in the form of inner dialogue is also powerful. Your thoughts and feelings affect your attitudes, your motivations an

How to Sell a Rental Home to the Tenant

How to Sell a Rental Home to the Tenant
Rental properties are usually income-producing ventures for the owners. Even in the best scenarios, there are times when selling your income-producing property is a smart business move. Selling a rental property to a third party while it is tenant-oc
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