Personal Finance Tips: Video Series

To pay bills without working, receive government benefits like unemployment, have a disability and receive a check for that, or find charitable individuals willing to trade services for goods. Be creative when trying to pay bills without a job by considering information from a registered financial consultant in this free video on personal finance and money management.

The purpose of the AARP, or the American Association of Retired Persons, is to lobby congress for the best benefits for senior citizens. Use an AARP membership to get discounts on a variety of services with advice from a registered financial consultant in this free video on the AARP.

To apply for an unsecured credit card with bad credit, make a cash deposit with a credit company, receive a card backed by the cash, and build up better credit by making regular payments on the credit card. Increase your lines of credit over time with help from a registered financial consultant in this free video on personal finance and money management.

Create a certificate of deposit ladder by starting with one CD, waiting for a period of time and then investing more money into another CD while the first CD is being redeemed. Avoid investing in certificates of deposit during recessionary periods with tips from a registered financial consultant in this free video on personal finance and investments.

Collect back social security benefits by filing a claim in person with the Social Security Administration office, bringing the appropriate identification and waiting while the case is considered. Consider hiring an attorney to help file the appropriate paperwork to get owed social security benefits with advice from a registered financial consultant in this free video on social security.

When social security benefits were first created, they were not taxed, but changes in the tax law make it so that most individuals are now taxed on about 85 percent of their social security benefits. Hire a tax consultant to help get around some of the tax rules on social security with advice from a registered financial consultant in this free video on social security.

To determine how much to save each week for retirement, figure out how much money is required for retirement, project the year at which you will retire, and work backwards. Allow for inflation rates when determining what to save for retirement with advice from a registered financial consultant in this free video on personal finance and retirement.

Cash a paycheck by developing a relationship with a local bank, bringing the check to the bank and making sure there are enough funds in the account to cover the paycheck. Learn how there may be a waiting period before a bank will cash a paycheck with information from a registered financial consultant in this free video on personal finances.

Apply for an FHA loan, or Federal Housing Authority loan, by meeting the loan criteria, filling out the paperwork, and considering the income requirements. Get a home loan subsidized by the federal government through the FHA with help from a registered financial consultant in this free video on personal finance and home loans.

A bank clears a check by making sure the date is filled out correctly, determining whether the check has been filled out with the appropriate numerology, and matching the signatures with the current signature card on file at the bank. Learn how a bank may hold a check before releasing the funds to make sure that everything is working properly with information from a registered financial consultant in this free video on personal finance and money management.