Here’s what you need to know so you can craft a strong response. What the Interviewer Wants to Know Employers need to ask these questions to make sure you can be productive in an unstructured work environment void of any direct supervision. This question is less about learning if you have the skills necessary for the job, and more about learning if you will do well in this particular work setting....
There are several ways to locate these properties, and several things you’ll want to know about finding the right agent to help you. First, we’ll share how homes end up in foreclosure. What Are Foreclosures and REO Properties? Banks own real estate because they have acquired the properties through foreclosure. A foreclosure occurs when a homeowner is unable or refuses to pay their mortgage payments. When that happens, the lender that backed the mortgage repossesses the home, since the property is collateral for the loan....
Choosing the Place to Buy Mutual Funds Although you can buy mutual funds through a discount broker, such as Charles Schwab, the best way to buy mutual funds is through a mutual fund company. But you don’t want to start with just any mutual fund company. Before investing, you’ll want to do a bit of research to find a reputable firm that has a broad selection of low-cost, high-quality mutual funds....
Because a Roth IRA offers unlimited tax-free growth, you want to maximize your returns. But your gains can vary significantly, depending on the investments you choose. Find out how to calculate the expected rate of return on a Roth IRA. How Rates of Return Are Determined for Roth IRAs When you open a Roth IRA, you choose your own investments. Depending on your provider, you may also be able to use a robo-advisor to automatically invest your money, or you could choose a human advisor to actively manage the account....
Your goal in this process is to get from the gross pay amount (the actual amount you owe the employee) to net pay (the amount of the employee’s paycheck). After you have calculated gross pay for the pay period, you then must deduct or withhold amounts for federal income tax withholding, FICA (Social Security/Medicare) tax, state and local income tax, and other deductions. Step One: Get a W-4 Form From Each Employee The Internal Revenue Service (IRS) requires that all workers in the U....
“A budget simply tells us how much money is coming in, how much is going out, and where it’s going—and this is essential information for everyone,” Jonathan P. Bednar II, CFP at Paradigm Wealth Partners in Knoxville, Tennessee, told The Balance in an email. As many as 80% of Americans say they are following a budget, according to a 2021 budgeting survey conducted by Debt.com. The two most common reasons for budgeting, according to the survey, include wanting to increase wealth or savings, or being prompted by debt, according to the survey....
Cash flow analysis is the study of the cycle of your business’s cash inflows and outflows. Your goal is to maintain adequate cash flow for your business and provide the basis for cash flow management. How is Cash Flow Analysis Performed? Cash flow analysis involves examining the components of your business that affect cash flow, such as accounts receivable, inventory, accounts payable, and credit terms. You’ll be able to more easily identify cash flow problems and find ways to improve your cash flow by performing a cash flow analysis on these separate components....
Most importantly, always follow the employer’s instructions on how to submit your job materials. The job posting should give you detailed information on how you are expected to apply. You may be asked to upload your resume online or to email it. Here are step-by-step instructions for emailing your resume to apply for a job, including creating and formatting plain text resumes and sending PDF files or Word documents as attachments....
What Are IRS Forms W-3 and W-3? IRS Form W-2 is used by employers to report annual income and the amounts of withholding to employees and to the Social Security Administration. Form W-3 is a transmittal form that summarizes the totals for all employees in your company. It includes totals for all items on the W-2 form. You don’t need the W-3 form if you are filing W-2s online. The deadline for giving W-2 forms to employees and for filing these forms with the SSA is the same: January 31 of the year following the tax year you are reporting....
While home equity can provide a handy way to pay for these upgrades, it’s not your only option. There are plenty of other ways to finance home additions and improvements, but each one has its own pros and cons. We’ll help you figure out which is the best option for you. Government Home Improvement Loans Quite a few government programs can come in handy if you need to borrow money for home improvements....
Understanding Bad Credit Bad credit typically is defined as a credit history that contains multiple problems—including late payments, bankruptcy records, or collection accounts, among other negative marks. It’s difficult to assign a particular credit score to the bad category because different lenders analyze credit in different ways, and they’re willing to lend to different borrowers. Still, it’s safe to say that negative items in your credit history can result in bad credit....
Whether you’re purchasing a manufactured home or a modular home, deciding on how you want to finance it should be a top priority. Comparing the types of loans that are available can help you make a decision. Mobile, Manufactured, or Modular? Mobile homes are factory-built homes made before June 15, 1976. They might be very nice homes, but they were built before regulators required certain safety standards. Most—although not all—lenders are reluctant to lend on these properties....
Tips for Finding Your First Part-Time Job What’s the best way to find your first job? It can be difficult, but it’s definitely not impossible. If you take it one step at a time, you’ll soon be employed. Here are some tips for finding your first part-time job. Preparing for the Job Hunt The most important steps to getting your first job take place before you even head out the front door....
Learn how to submit an offer with the potential to win when there are multiple offers on a house. Multiple Offers in Seller’s Markets Sometimes homebuyers wonder whether it’s even worth trying to compete against other buyers in a seller’s market. It’s not unusual for a seller to receive 20 offers when there’s very little inventory on the market. If the home is a good fit, it’s a good idea to write an offer anyway....
Gender lens investing is just one form of ESG investing, which focuses on environmental, social, and governance practices of companies. This type of investing involves owning the securities of companies that are socially and environmentally, as well as financially, responsible. What Is Gender Lens Investing? Gender lens investing, sometimes referred to as GLI, is an approach that aims to earn financial returns while also backing companies that advance the interests of women....
The Japanese yen has also been a popular carry trade in the past, due to the low interest rates that made it cheap to borrow. Although the currency lost some of this clout in 2015 and 2016, it still plays a vital role for many international investors, as traders use the currency for capital gains opportunities and hedging purposes. Safe Havens, Carry Trades, and Hedges The Japanese yen has been historically popular among international investors as a safe haven, carry trade, and currency hedge....
The Most Requested Languages on Resumes The level of demand for job candidates with specific foreign language skills depends on a few factors, including the industry and the geographical location of employers. According to the “Not Lost in Translation” study by New American Economy (NEA), the five most in-demand foreign languages requested by U.S. employers are Spanish, Chinese, French, Arabic, and Korean. Oftentimes, the second language requested depends upon the industry....
Employers will usually only spend a few seconds deciding whether you are a good enough fit for a job to warrant a more thorough review of your resume and cover letter. So, it’s essential to make sure it is immediately apparent that you have many of the skills, experiences, and qualities that they value most highly. Tips for Showing Employers That You’re a Match It’s important to focus on your most relevant skills and strengths when writing resumes and cover letters, and when interviewing....
Along with the increased interest in Bitcoin experienced rapidly increasing but volatile value. After spending much of the first half of 2017 hovering around $1,000, it hit $5,000 in October, breached $7,000 in early November and $19,000 briefly in December, before plummeting back to under $7,000 in March 2018. Bitcoin’s most meteoric rise to date then occurred from mid-September 2020, when it was priced at under $11,000, to early April 2021, when it broke $60,000....
Coffee is a member of the soft commodities group along with other items grown by farmers, including sugar, orange juice, cocoa, and fruit. Most of these commodities, including coffee, are prone to wild swings in price, and traders must consider a variety of factors about coffee production and demand when making decisions regarding coffee futures. Coffee Bean Types There are two main types of coffee: Robusta and Arabica. The coffee traded on the Intercontinental Exchange (ICE) Futures contract in the U....
