budgeting
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Accrued Interest Explained: Calculation & Examples
What is Accrued Interest? Accrued interest refers to the amount of unpaid interest that has accumulated on an account even though is hasn't been paid out yet. For example, if you have a cer
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Postdated Checks: Legality, Risks & State Laws Explained
A woman writing a check. You postdate a check by writing a future date on it. People typically do this when they want to give a check to someone but aren't certain they'll have enough
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Cashier's Check: What It Is & How to Obtain One
Banking customers may need a cashiers check to purchase a large item, such as a car or house down payment. A cashier's check is a check drawn against a bank's funds and signed by an e
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Creative Ways to Gift Cash: Make Money Giving Fun!
Greenbacks There are times when giving money instead of a present is more practical. For example, many people choose to give money as a graduation present so the recipient can buy things she
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Certified Checks: What They Are & How to Obtain One
While credit and debit cards make paying for things electronically a breeze, there are situations when a check is a better option. Perhaps you need to pay a landscaper for services rendered, or you wa
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Citibank Wire Transfer: Instructions & Online Guide
Citibank allows for both domestic and international transfers. If you need a convenient way to transfer money to a third party, wire transfers get the money there securely and quickly. Citiba
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Reversing NSF/Overdraft Fees: A Step-by-Step Guide
You can get the bank to reverse your NSF/OD fees. Banks charge their customers for a variety of services, including overdraft and non-sufficient funds fees. Overdraft fees can be deducted whe
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Social Security Number Theft: How Identity Thieves Exploit Your Information
Of all stolen personal data, Social Security numbers are among the most valuable to identity thieves. They can be used for many fraudulent purposes and for an extended period of time, long after credi
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Easy & Affordable Finger Food Ideas for Parties
Finger foods are served at parties for a variety of reasons. Some finger foods are served for standing cocktail parties or cocktail receptions or guests can help themselves to finger foods are more ca
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Understanding Official Bank Checks: A Comprehensive Guide
What Is an Official Check Issued by a Bank? Official bank checks are used more and more by individuals to make payments on or to pay off debts. Official bank checks serve as a form of payment
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Understanding Credit Bureau Reporting Codes: A Comprehensive Guide
Credit Bureau Reporting Codes There are three main credit reporting agencies: TransUnion, Equifax and Experian. These bureaus use two basic types of reporting codes---account codes and commen
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Claim Your Lost Money: A Guide to Unclaimed Property
According to the National Association of Unclaimed Property Administrators, state governments are holding more than $30 billion in unclaimed funds. The money comes from the remnants of long-forgotten
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Affordable Housing Options & Resources: Finding Cost-Effective Homes
According to Habitat for Humanity, fully 16 percent of Americans spend over half of their incomes on housing expenses and "roughly one in six Americans are in need of a decent, affordable place t
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Flat Rate Shipping: Is It Always the Best Option? Save on Postage!
Avoid the Flat Rate Postage Rip-Off The U.S. Postal Service tries to portray their Priority Flat Rate Shipping service as a great deal. This is not always the case. Yes, it is easier just to
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Free Manufacturer Product Vouchers: Your Guide to Complimentary Items
Manufacturers' vouchers for complimentary or free products are a great way to try a new product without having to spend your own money. Many companies will allow you to print manufacturers' vo
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The History and Impact of ATMs: A Revolutionary Banking Innovation
If you ask four different people who invented the Automated Teller Machine, or ATM, there is a good chance that you may receive four different answers. Four or more individuals have actually claimed t
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Online Payment Methods: A Comprehensive Guide
Credits cards are the traditional way to make online payments. As online shoppers increase, so do their payment options. According to a 2015 article by Gallup, 35 percent of all American adul
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Find Your Bank Routing Number: Methods Beyond a Check
Routing numbers are nine-digit numbers that identify the financial institution that holds your bank account. If the account number is misidentified, the wrong bank account will be credited or debited.
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Calculate Effective Interest Rate: Understand & Improve Your Returns
Use a calculator with an exponent function to figure effective interest rates. Advertised interest rates are typically nominal rates that are the annual interest rates disregarding any add-on
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Affordable 50th Birthday Party Ideas: Celebrate Without Breaking the Bank
A 50th birthday is a milestone in anyone's life, so when someone you know or are close to is approaching 50, you naturally want to put on a party to celebrate. It does not mean the party must be g
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- Understanding Foreign Currency Exchange: A Comprehensive Guide
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- Understanding ATM Machines: Types, Features & Functionality
- Ohio Limited Driving Privileges: Eligibility & How to Apply
- Credit Card Cash Advances: Hidden Costs & How They Work
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Residential Sales Agreement Letter: A Legal GuideResidential sales agreement letters require all the elements of a legal contract. A letter of agreement to sell a residential property need not use a standardized pre-printed sales form, but ...
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Zone Picking: A Comprehensive Guide to Efficiency & Best PracticesZone picking is an order picking strategy that aims to make the order picking process more efficient. For many ...
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Understanding Deferred Balances in Mortgages: A Comprehensive GuideWhat Is a Deferred Balance in a Mortgage? A mortgage allows someone to finance his home purchase with funds borrowed from a bank or other lender. After the paperwork is signed, monthly paymen...
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NFTs Explained: What Are They and Why Are They Trending?Many or all of the products here are from our partners that pay us a commission. It’s how we make money. But our editorial integrity ensures our experts’ opi...