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Why Employers Don’t Provide Information Job candidates can and do file employment discrimination claims with the Equal Employment Opportunity Commission (EEOC) against employers who rejected them, often claiming that they weren’t hired because of their gender, race, disability, or religion. Thus, many companies are wary of sharing feedback regarding unsuccessful interviews. Of course, you’re just looking for information so that you can improve, but employers don’t know that. That said, you have nothing to lose in strategically asking for a critique....

Learn how to build equity as a homeowner. What Is Equity? Equity is the amount of your home that you actually own after accounting for debt. To calculate that value, subtract your loan balance from the market value of your home. If the result is a negative number, the home is worth less than the amount you owe on it, and you have negative (“upside down”) equity. Example: Your home is worth $250,000, and you owe $100,000 on your mortgage....

In this article, we’ll look at how to buy cryptocurrencies with a Roth IRA and whether it makes sense for your retirement plans. Can You Buy Cryptocurrency With a Roth IRA? The first big question is can you buy cryptocurrencies with a Roth IRA? Yes, you can invest in crypto with a Roth IRA account. However, not all Roth IRA accounts support cryptocurrencies. The IRS classifies virtual currencies as property, and while it does not explicitly prohibit virtual currencies in Roth IRAs, it does have restrictions on property investments in Roth IRAs....

What’s the easiest way to attach your resume and cover letter to an email message? When you’re asked to send a resume or cover letter via email, follow these steps to ensure you have correctly attached your documents, written an email explaining what you are sending and why, added your signature to the email, and included a subject line that will get your message opened and read by the recipient....

Benefits of Working With a Recruiter But even though recruiters work for employers, they can give your job search a big boost. Connecting with a recruiter can help you find open jobs and secure an interview with a prospective employer. The trick is to find the recruiter who best matches your needs. Not sure how to go about finding the best recruiter for you? Here’s what you need to know....

If you have a friend or family member excited or curious about NFTs, giving one away as a gift could be a fun choice for their birthday, the holidays, or any other time of the year. Keep reading to learn more about how NFTs work and how you can gift one to someone else. How To Get NFTs NFTs are digital assets that are sold using cryptocurrencies and their ownership is verified on a blockchain....

Your resume should not read like a set of job descriptions that convey only what your responsibilities were in past jobs. Instead, the focus should be on how you made a good impression at work and made a difference to your department and organization. Your resume should communicate how you have been an asset to the past organizations with whom you have been affiliated. These details about your specific achievements will help you to stand out from your competition....

Use a Debit Card for Online Shopping To shop online using your debit card, you’ll need to input the 16-digit card number along with the expiration date, security code, and billing address. The funds for the transaction will be deducted from the checking account linked to the debit card. If you don’t have a debit card, contact your bank about adding one to your existing checking account, or visit a local bank to open a new checking account and request a debit card....

Check the Bill for Errors This can be tricky because medical bills have their own unique language, but you can determine whether your bill is accurate if you know where to focus your attention. Virtually all procedures are coded to facilitate collections from insurance companies. You can do an online search to find the meaning of the medical codes that appear on your bills. You can compare the meanings with your procedures to find out whether you’re being billed for the treatment you actually received....

Bloom Productions / Getty Images This article is an overview of the process for applying for a patent in the U.S. and internationally. What Is a Patent? A patent is the granting of property rights to an inventor and is issued by the USPTO. These rights, granted for 20 years, allow the owner to exclude others from making, using, and selling an invention or importing it into the U.S. In the past, patents were granted to the person who was first to invent something....

How Transfer-on-Death Deeds Work If you own real estate in your sole name without a co-owner, you have limited options if you want to pass the property to a beneficiary at your death without the necessity of probate. Assets placed in a living trust can avoid probate, but it’s far simpler and less expensive to simply transfer the property by beneficiary deed if you live in a state that recognizes this option....

How Envelope Budgeting Works The envelope budgeting system divides your income into different spending categories—bills, groceries, gas, and so on. Once you’ve decided how much you should spend on each category, you’ll take that amount in cash and place it into an envelope. Then, only spend what’s available in that envelope for that category’s bills or purchases. The aim is to prevent you from overspending by limiting what is available to spend....

Credit has become such a staple in our lives that living without good credit can be a huge inconvenience. People are so afraid of losing their good credit — their mediocre credit even — that they struggle with debt for months or years and still end up filing bankruptcy. Unfortunately, there’s not much good news about your credit score when it comes to bankruptcy, but that doesn’t mean you should hold up on filing bankruptcy just to hold on to your credit score....

One of the ways to read the tea leaves is the unemployment rate, according to economists at Moody’s Analytics. Nearly every time the unemployment rate has risen 0.4 percentage point in a three-month period during the last 50 years, a recession has followed almost immediately, they said. That means that right now, since the latest unemployment rate is 3.6% for April, we want to avoid reaching 4% unemployment by July....

People with these skills help maintain a smoothly run office while supporting the efforts of their supervisors and stakeholders alike. Without them, a company can quickly turn chaotic, hindering productivity and resulting in unhappy employees. Individuals in administrative positions must be able to handle many moving parts and challenging situations at once. If you’re looking to open yourself up for raises and promotions, it’s wise to develop extraordinary administrative skills....

But what about where we stand right now? Is the current data even accurate? Some economists say we may be underestimating pressures because inflation rates don’t properly capture the recent surge in home prices. They say the misleading data puts the Fed—which can control inflation with its benchmark interest rate but has so far chosen not to—behind the curve. “Monetary policy that supports the extension of easy money when house prices are rising at record rates makes no sense,” said Joe Carson, former chief economist at the investment firm Alliance Bernstein....

Here’s advice on how to answer interview questions about your strengths, examples of the best answers, and what—and what not—to say when you respond. What the Interviewer Wants to Know The main reason interviewers ask this question is to identify whether your strengths align with the needs of the company and the job’s responsibilities. The company wants to learn whether you’re a good fit for the role you’re interviewing for....

The closer a match you are to the ideal candidate for the position, the better your chances of getting a job offer. If you can show the company that you’ve got the credentials they are seeking, you can help make the hiring decision move in your favor. What the Employer Wants to Know When an employer asks you about your skills, they want to know how you’re qualified for the job....

The interviewer will want to be sure that you aren’t leaving your job because of poor performance, difficult working relationships, or because you hate your job or your boss. When responding to questions about why you are switching jobs, it’s important to provide reassurance that you are moving on for the right reasons, not just to get out of a bad work situation. What the Interviewer Wants to Know Every question the hiring manager asks during the interview process is designed to figure out whether you’re the right person for the job....

What Is Company Culture? Company culture includes a range of factors, including how employees dress and interact with company leaders, typical work hours, and more. Company policy can certainly influence culture. Often, the dominant force in creating and maintaining a company culture is social. There is no single correct workplace culture. The important thing is that new hires be compatible with the culture. If you’re not comfortable with the company culture, it’ll be harder for you to succeed at the company and feel happy....