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Amy’s client list includes recognized Wall Street names as well as educational institutions and non-profit organizations. Amy’s specialisms are accounting, valuation, credit and financial modeling, and Excel training, which draws on her background in corporate finance. Amy’s classes are always practical, interactive and reflect the experience of daily working life. Tutorials and lessons are conducted at the computer, building models, using Excel, and solving problems real-time and with real-company data....

What’s the Difference Between Arbitration and Litigation? Litigation is an ancient process that involves determining issues through a court with a judge or jury. Arbitration, on the other hand, involves two parties in a dispute who agree to work with a neutral third party in an attempt to resolve the dispute. Arbitration is used in place of civil litigation involving two parties. Evidence Allowed In a court case, the court must follow the federal rules of evidence....

Taxes Depend on the Type of Car Insurance Settlement Whether or not you have to pay taxes on your car insurance settlement depends on the types of damages involved. But what types of damages exist? Here are the main categories: Medical bills: Payments to cover medical costs (hospital stays, doctor visits, surgeries, rehabilitation, medications, etc.) which are reasonable and necessary to treat physical injuries incurred as a result of the accident....

Consumers who use online savings accounts often enjoy lower fees and higher interest rates than many accounts from traditional banks. However, they do have downsides to consider. For example, online banks and banking platforms lack tellers and service representatives that can provide in-person service. Learn how online banks and banking platforms work, more about their pros and cons, and how to ensure that your savings account is FDIC insured if you deposit money in an online bank....

Some businesses still have a lot to gain by accepting checks for payment. For example, certain businesses don’t accept debit or credit cards because of processing fees. Similarly, some small-scale ventures aren’t set up to be merchants at all. The challenge for these businesses is how to avoid bad checks. You never know for sure if customers have money in their checking accounts, and it is expensive and time-consuming when checks bounce....

Winter losses have been huge since then. Most losses occur during the winter, with some bounceback during the warmer months. The average winter loss rate was 15%. In winter 2008, beekeepers lost 28.1% of their bees. In 2010, they lost a record of 43.7%. The latest year, 2019, saw a 35.6% loss. The problem began in the 1980s. That’s when two bloodsucking parasitic mites entered the United States. But many scientists believe that insecticides had already weakened the bees’ immune system....

1. Quadrupled Trade Between 1993 and 2019, trade among the three members quadrupled from $290 billion to $1.23 trillion. That boosted economic growth, profits, and jobs for all three countries. It also lowered prices for consumers. During that time, the United States increased its exports of goods to the other two from $142 billion to $549 billion. That’s 33% of its total exports, making Canada and Mexico its top two export markets....

If you want to invest in real estate but can’t afford to invest in properties directly or build a diverse portfolio of REITs, a REIT ETF may be the right starting point for you. With REIT ETFs, you can invest in a diverse range of properties with one low-cost investment—ETFs can be bought and sold like shares of stock on the stock market, and just like stocks, the companies that create and manage ETFs have to provide information to the public that helps you decide if it is a good investment....

Due to differences in demand, needs of the locals, and competition in each state, prices can vary widely. If you live in one of the more expensive states for car buyers, you can pay thousands of dollars in unexpected costs when you drive off the lot versus just hundreds of dollars in other states. If you fall into the first category and live relatively close to a border, it might be worth it to shop around in a nearby state....

The site may have a folksy, homespun image, but Etsy entrepreneurs need to be thoroughly professional. Many types of shops can do well on this peer-to-peer e-commerce powerhouse—provided they have a product that fills a gap in the growing Etsy market and they know how to sell it. Develop a Moneymaking Product A mistake that many independent crafters make is thinking that just because they can create something pretty cool by hand, they will be able to sell it easily on Etsy....

It’s smart to understand how transportation ETFs work before you invest your money. Find out if transportation sector funds can be a good investment now or for the long term. What Are Transportation ETFs? Transportation ETFs are exchange-traded funds that invest in stocks of companies in the transportation sector. These can include firms that transport consumers or goods by land, air, or sea. Why Invest in Transportation ETFs? The primary reason investors may be attracted to transportation ETFs is that they offer a low-cost, diversified means of gaining exposure to this industry....

For one, certified checks verify you have money in the bank and earmark it while cashier’s checks require a withdrawal right away. Learn more about the differences between the two so you can choose which one is right for you. What’s the Difference Between Cashier’s Checks and Certified Checks? Cashier’s checks and certified checks have some fundamental differences, including their funding sources, key benefits, and how they work. In the case of a cashier’s check, the money comes from a bank....

Rewards are capped at 50,000 points for Reserve cardholders and 25,000 points for Preferred cardholders. Only purchases of at least $1,800 qualify. While cardholders could earn a lucrative points payoff from the offer, the high rewards rates aren’t unheard of. Preferred and Reserve cardholders can earn more than 10 points per dollar with multiple retailers through Chase’s Ultimate Rewards online shopping portal. The new Peloton points bonuses are part of a growing relationship between Chase and the fitness brand, which launched in October 2020 when Chase announced Peloton digital membership discounts worth up to $60 for Preferred cardholders and $120 for Reserve cardholders....

This article explains how business losses affect your personal tax situation and how to claim those losses on your tax return. How Much Loss Can a Business Take? Businesses that are organized as sole proprietors, limited liability companies (LLCs), partnerships, and S corporations can take business losses on their personal tax returns. Loss limits don’t apply to corporations. A business loss for the year from operations is called a net operating loss....

Read below for tips on writing a strong college graduate resume. Also see below for a resume sample for a recent college graduate. What to Include in Your Resume Begin with a resume summary. A resume summary (sometimes called a “summary of qualifications” or “qualifications profile”) is a statement (either narrative or formatted in bullets) at the top of a resume that immediately attracts a hiring manager’s attention to the skills you would bring to their organization....

A report issued Tuesday by the Consumer Financial Protection Bureau said that many credit card companies are charging as much as they possibly can in late fees, and that they’re disproportionately collecting the fees from minority and low-income communities. Late fees are penalties that are charged in addition to interest when a cardholder doesn’t make the minimum payment on time. Out of the top 20 credit card issuers, 18 charged late fees that were at or near the inflation-adjusted maximum that government regulations allow—$30 for the first late payment, $41 for another within six billing cycles, the report said....

Learn about writing a cover letter, including what to include, how to send it, review examples, and get free templates to download for many different types of occupations and applications. There are also guidelines and samples for writing email cover letters, inquiry letters, referral letters, prospecting letters, and networking letters. What is a Cover Letter? A cover letter is a (typically) one-page document that explains to the hiring manager why you are an ideal candidate for the job....

When you do this, you can have a set earnings goal that you work toward each summer. If you need to work during the school year to supplement your income, you can plan ahead and schedule your time effectively. A college budget can help prevent you from making the most ​common college financial mistakes—from misusing your loan money to ruining your credit—so you can graduate debt-free. The best way to start this budget is by listing these costs first....

What Is the Credit Repair Organizations Act? The Credit Repair Organization Act is a federal law put in place to protect consumers from dishonest credit repair companies. The law is intended to make sure that consumers who decide to use credit repair services are aware of their rights and are able to make an informed decision about choosing to pay a credit repair company. A credit repair organization is any person or business who takes money in exchange for improving your credit but doesn’t include banks, non-profit agencies, and credit card issuers....

After a serious delinquency, your creditor may take legal action against you. If the court finds in favor of the creditor, the action will become a matter of public record, and, in some cases, the action will find its way to your credit report. Which Public Records Appear On Credit Reports? Public records that could appear on your credit report include bankruptcy, a judgment, or a tax lien. In some states, foreclosure and repossession are also public records....