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Personal Finance : Business & Finance

What Is the Hourly Pay in West Virginia for an Electrician?

Electricians install and repair electrical wiring and equipment. Most electricians work for building equipment contractors, while others find employment with construction companies, local government agencies and electric power companies, according to the U.S. Bureau of Labor Statistics. The hourly p

How Can Commercial Banks Collapse?

Banks play a critical role in financing business investment and stimulating economic activity. In the course of fulfilling this role, commercial banks assume financial risks that come with lending, borrowing and investing. Typically, this process works well when commercial banks appropriately manage

The Best Student Bank Accounts

Students have a variety of financial needs. They must manage financial necessities like saving for tuition and paying for books in addition to daily living expenses. Students need to organize their financial management opportunities and, at the same time, take advantage of accounts designed specific

How to Raise a FICO Score 50 Points

Lenders use your FICO score to decide if you get a loan for a car or home or approved for a credit card. In some cases, the number can impact whether you will get a job. There are ways to raise your FICO score by 50 points or more, but the amount depends on how low your score was to begin with. A lo

Become a Millionaire By Saving

Everyone can be one step closer to a wealthier lifestyle by saving their spare change on a regular basis. Every coin saved increases your net worth, and over the course of a few years, that ...

The Average Salary of a Junior Graphic Designer

Graphic designers are responsible for creating visual means of communication. This involves everything from creating sketches to typesetting. The Bureau of Labor Statistics indicates that opportunities are good for graphic designers, particularly in the areas of Web design and animation. Graphic des

How to Determine Monthly Car Payments

Many people take out loans to finance their car purchases. The amount of your monthly payment depends on the amount of your loan, the interest rate and the length of the term of the loan. Typically, new cars have lower interest rates than used cars and terms range from three to five years. According

What Is a Fiat Currency?

The word "fiat" comes from the Latin "let it be done," and it refers to anything that's just dictated into existence by an authority such as the government. So, a good fiat currency definition would ...

How to Raise a Family on a Budget

While increases in cost of living and a changes in our society's needs have affected the cost of raising a family, these ever-present obstacles can be offset by taking a proactive approach to developing and maintaining a simple family budget plan. A budget worksheet can help control family spendi

How to Contribute Money After Taxes to an IRA

Traditional IRAs make sense for people who expect to fall in a lower income tax bracket at retirement than in the year they make their contributions because the value of the tax deduction for contributions exceeds the cost of the taxes on distributions. However, if you expect to pay a higher tax rat

Credit Cards to Rebuild Credit After a Bankruptcy

When you're repairing your bad credit, you need to address each of the categories that contribute to the calculation of your score. Using your credit cards responsibly contributes greatly to boosting your score, but the process takes time, patience and diligence. Once you've established yourself as

The Average Income of a Book Author

Making a living as an author of fiction can be quite challenging. However, with a bit of luck and dedication, it is possible to earn a living as a book author. Because the income of a book author depends on the genre, publishing house and the market, determining an overall average is difficult.

How to Qualify for the MAP Grant in Illinois

The Illinois Monetary Award Program awards grants to Illinoisans who need assistance to attend college. The program, administered by the Illinois Student Assistance Commission, supports study at schools approved by the U.S. Department of Education. MAP is the fourth-largest program of its kind in t

Financial Help for Teen Moms

Becoming a teen mom can be downright frightening. The mere idea of caring for a baby may elicit a cold sweat. Yet equally challenging may be the idea of paying for all the expenses that come with raising a child. Fortunately, there is financial help for teen moms. The key is knowing where to look.

Does a Car Loan Inquiry Hurt My Credit Score?

After a potential lender pulls your credit report to check your score, the lending company shows up on your report as an inquiry. Inquiries generated in response to your application for credit do hurt your credit score after a short waiting period, but in most cases, the impact is minimal.

Comparison of IRA Custodians

You can choose a number of different financial institutions to manage and administer your IRA, from the bank down the street to a nationally known brokerage firm or mutual fund company. Choosing the right administrator for your IRA means looking at a number of different factors, from the types of in

Tips on Household Budget Planning

Smart budgeting can keep your household in the black.still life with calculator image by Astroid from Fotolia.comTrying to run a household without having control of your finances can be a difficult task. Working out a sensible budget and sticking to it is a necessity for people who are...