Unclaimed Property Blog

There are several states looking for people that have unclaimed money. You could also be one of the fortunate ones.

Both Mississippi’s and Louisiana’s state treasuries hold unclaimed funds, stocks and money residents own but do not necessarily know they have.

Indiana Attorney General Steve Carter has more than $300 million to give away to rightful owners.

The money, which private businesses turn over to the state, could be anything from an overpaid utility bill to stocks a great-grandparent had. The amounts also vary. Unclaimed property also passes down from one generation to another.

Hurricane season is upon us once again. This statement brings to mind how one would safeguard important papers and also what are considered important papers. Read on for some help.

What would you do in an emergency and you had to evacuate your home. Do you have adequate documentation of your assets? This may sound like an insurance come on, but you should take a look at what exactly is in your home, furnishings and also the so called important papers.

Some states have money that doesn’t belong to them, so they are looking for rightful owners. Every state has a method of returning unclaimed money.

OK, if you are wondering how a state can have your money, here are some ways:

 * Dormant bank accounts including savings, checking, safe-deposit box
*  Stocks, bonds, mutual funds, and dividends
*  Wages or child support payments
*  Utility deposit
*  Estates
* Uncashed cashier's checks or money orders

The property listed above is sent to the state after the parties holding onto the property cannot find the rightful owner. Then the state is charged with the duty of finding the rightful owner to return the property. Each state has their own laws on how the property is turned over to the state and manners in which to claim the property.

Good on having a high credit score. Now you have to keep it high. Read on for some tips in maintaining your high score.

Life seems good at the top, lower interest rates, lenders requesting you get loans with them and of course higher limits.

It is understood that with this high score you do have financial know-how. Even if it is the most basic rule of paying anyone you owe money to on time. If you noticed it is pay anyone. This anyone includes the late fee on your library book and/or the traffic ticket you are contesting. Not all of those things are reported to credit agencies, but when they are, they can hurt. Even if they’re unjustified. If reported to the credit bureau, there isn’t much you can do about protecting your credit scores during the dispute.

You have now finished school and are looking toward building a credit score. How does your student loan affect your credit?

One of the first things to know is that the credit score used by most lenders divides loans into two categories. They are installment loans and revolving loans. Examples of an installment loan would be a car or home loan and yes, the student loan. This is because you pay a fixed amount every month. Credit card make up the majority of revolving loans where you control your monthly payment.

You have a debit card that can be used as a credit card. Have you ever wondered if there is a difference in the usage of this card for debit or credit purchases? Read on and you will discover there is a difference sometimes.

When checking out at the register the cashier will ask if it is credit or debit. Perhaps you do not really see that there is a difference in this since the money comes directly out of your checking account either way. Well that decision to debit, using your PIN number or credit by signature can effect your bank charges.

Ever go to a store and realize you do not have enough cash in hand for even that small purchase. Then to make it more embarrassing the clerk says you have to have a $15.00 minimum purchase to use your credit or debit card? Is this legal?

OK, let’s assume a lot of the smaller merchants don’t know the rules for accepting cards from Visa and MasterCard, rather than they don’t follow them.