Personal Money Management

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How Does Inflation Affect the Standard of Living?

Your standard of living is largely based on two factors: your income and your expenses. Inflation occurs when day-to-day expenses rise. An imbalance in the relationship between supply and demand causes inflation. Prices rise as increasing numbers of people compete to buy a ...

How to Borrow From a TSP to Pay Off Bills

Using a Thrift Savings Plan (TSP) loan to pay off your credit card debt is a pretty straightforward process. The interest you pay, which is the G-fund rate at the time of loan initiation, goes back into your own account. Your only real cost is a $50 administrative fee. This ...

Effect of VA Compensation on Social Security Benefits

If you’re getting Veterans Administration benefits, you can get Social Security benefits at the same time. These two programs have their own eligibility requirements including different definitions of disability that you must meet. Just because you’re considered disabled under ...

Do I Declare Dependent Adult Social Security Benefits on My Tax Return?

The Internal Revenue Service maintains a set of criteria that dictate the definition of a qualified dependent on your income tax return. The IRS also specifies the type of Social Security benefits subject to taxation. When a dependent adult lives with you, your tax filing ...

How to Give Assets to Your Children Before Your Death

While a will can take care of distributing your assets to your family after you die, you don’t have to wait until you’re gone to divide up your assets. Maybe you want to help your children financially while you’re still alive, or you want to avoid any confusion or possible ...

How to Find Savings Bonds in Your Name

You could have some money coming to you if you received savings bonds that you’ve forgotten or never knew about. The U.S. Department of the Treasury keeps records of all savings bonds issued, including bonds that were never redeemed. You could search for your bonds on the ...

Can You Get Social Security Benefits for an Adopted Child?

In 2011, over 4 million children, including adopted children, received SSA retirement, disability or survivors benefits. If you’re an SSA beneficiary, your adopted child can get benefit payments off of your record. Your adopted child has the same requirements to meet as a ...

What College Items Can I Use as a Tax Write-Off?

Rising costs of tuition and other higher education expenses make federal income tax breaks for college costs attractive for many households. In addition to pre-college savings plans, these tax write-offs can reduce annual income tax obligations as well as adjusted gross income. ...

What Are the Different Markings Used to Identify Real Gold?

Federal law requires that gold jewelry sold in the United States must be marked with the gold content. The U.S. jewelry industry has standardized the marking of real gold items through Voluntary Product Standard PS 68-76. The jewelry manufacturer bears the responsibility and ...

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