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Learn more about renters liability insurance, how it works, why you need it, and how to get it. Definition and Examples of Renters Liability Insurance Renters liability insurance covers claims or lawsuits resulting from bodily injury or property damage to others caused by an accident while on the property you rent. For example, let’s say a visiting friend trips and falls in your apartment and breaks their leg. If the injured person sues you for bodily injury and medical payments, renters liability insurance should help cover the costs of these liability claims made against you....

For example, a new tech startup might offer restricted stock to its key executives to provide additional compensation without the need for immediate cash. In addition, the stock may have a vesting timeline of five years before the executive has full ownership of the shares. The vesting schedule gives the executive an incentive to stay longer and work in the best interests of the company’s success. How Restricted Stock Works Restricted stock plans give employees of a company a personal interest in how well the company does....

Institutional investors such as open- and closed-end funds, insurance companies, pension plans, and college endowments usually participate in securities lending. This allows them to lend out portions of their portfolios to generate income. These funds usually lend securities to brokers, who then relend the securities to hedge funds or other investors looking to implement strategies such as short selling. Some investors and fund management companies lend shares to take advantage of the interest paid by the borrower....

What Is the Average Retail Credit Cards APR? A 2020 CreditCards.com poll found that the average APR for retail credit cards was 24.43%. This rate is over 4% more than the August 2021 average overall credit card APR of 20.25%. Store credit cards may not such a great deal after all. Over half of Americans polled in this survey also reported that they had signed up for a retail card at checkout without planning to....

Fixer-upper properties aren’t always what they seem—and in order to ensure a return on your investment, it’s important to know the full scope of costs you’ll incur and how much you’re likely to recoup long before purchasing the home. If you’re considering buying a fixer-upper, check out this guide on the average cost to gut and remodel a house—and make sure you’re ready for the financial commitment. The chart below shows a breakdown of remodeling projects and how much they can cost you on average, along with the typical return you can expect....

In this article, we’ll cover the basics of the Dow 30 and how it works. We’ll discuss how you can use the Dow when you make investment decisions, as well as some of its limitations. Definition and Examples of the Dow 30 The Dow 30 is a stock average that measures the price movements of 30 large-cap publicly traded U.S. stocks that are listed on the New York Stock Exchange or the Nasdaq....

Learn more about how the Dow divisor works, why some people think it understates the performance of Dow constituent companies, and what this means for individual investors. Definition and Example of the Dow Divisor The Dow Jones Industrial Average was introduced in May 1896. The Dow was originally the daily average share price of 12 industrial companies selected by Wall Street Journal co-founder Charles Dow to represent the sectors of the U....

Congress’s stated mission for the FmHA was “to foster and encourage the family farm system of agriculture in this country.” To do so, the agency provided loans to farmers and ranchers for acquiring and improving real estate, equipment, and livestock, as well as for annual operating purposes. At one point, the FmHA and the Farm Credit System held over 40% of all agricultural loans in the U.S. However, problems began to emerge with the FmHA over the years....

Tetra Images / Getty Images The quiet period begins after the business and underwriters file to register for an IPO. It lasts until 40 days after the stock starts trading. During that time, the company must not share any information that isn’t in the papers and forms it has filed with the SEC, nor release any new information about the business. Those who are thinking about investing should only have access to what is in the registration forms....

There are many ways to find out how an investment performs. One common mistake in the investment process, especially among new investors, is focusing solely on capital gains rather than total shareholder return. That is an easy trap to fall into if you’re new to stocks, bonds, real estate, mutual funds, or small business investments. Imagine you bought one share of XYZ stock for $15, and it performed well. At the end of the year, the new price of that stock is $20....

Utility sector stocks are shares in companies within the utility sector. Dominion Energy Inc (D), for example, is one of the top 10 constituents or one of the largest stocks within the sector. A few other firms that are part of the Dow Jones utility index are Southern Co (SO), Exelon Corp (EXC), and American Electric Power (AEC). How Does the Utilities Sector Work? The utilities sector tracks companies’ performance within the utility industry....

You can contrast it with bottom-up investing, which begins by looking at an individual company’s balance sheet and other fundamentals, and branches out from there. A bottom-up approach would look next at the sector or industry level, and then at global market conditions as the final step. As you use the top-down method when you invest, it’s helpful to break the process into three steps. We’ll start large and funnel down....

Choosing the right one for your business is all about understanding the key differences and eligibility requirements. To help you choose in the small-business credit card vs. corporate credit card debate, learn more about how to qualify and the pros and cons of each type. How Small-Business Credit Cards Work Small-business credit cards offer business-specific perks and benefits and help business owners keep their business and personal expenses separate. Some cards offer tools to help simplify expense tracking and perks like free employee cards....

Candidates may or may not be informed about why the offer has been put on hold. Some of the common reasons for a job offer being put on hold include: Budget concerns or the failure of a big project, product, or initiative.Unexpected restructuring, which could involve layoffs, the company being acquired, or work pausing in the area where you were going to assume responsibility.Reservations on the part of the hiring manager or other stakeholders about your ability to do the role....

The resume experience section is key to this story. It provides detailed information about your employment history. This is the real heart of your resume, and the more years you have been employed, the more decisions you will have to make about what to include and what to leave off in this section. What’s Included in the Experience Section of a Resume This section of your resume is where employers will look to see what jobs and job titles you’ve held in the past, providing them with an informative picture of your career arc....

Before you invest in mutual funds, be sure to identify your investment objective, which is the goal and time frame you have to invest. That will guide you in choosing the best funds for your purpose. In general, mutual funds are best used for time horizons of more than three years; preferably, you’ll hold them for more than 10 years. The most significant risks are likely to be your emotions, fear of loss, and desire for quick gains....

So how can you make decisions on your portfolio? The first step is to identify what type of investor you are. Depending on your type, you will have different goals depending on your current life circumstances. Not-Soon-to Retire If you are nowhere near retirement, this may be your type. You may be concerned about starting an investment strategy and taking care of yourself, your family, and your basic living expenses....

Tuition reimbursement, or tuition assistance, means that your employer will help foot the bill for your continuing education courses or degree as long as you meet their guidelines. Tuition reimbursement is usually offered on top of your regular salary. It’s a great employee benefit and typically offered in addition to benefits like health insurance, a 401(k) plan, vacation days, or a subsidized childcare center. Before you enroll in the competitive master’s degree program of your dreams, be sure to learn all the requirements and qualifications of your employer’s tuition reimbursement program....

Several kinds of housing arrangements for employees include: Employer paying for the housing of employee’s choice, often using a housing allowance.Employer-provided housing for employees at a specific location.Temporary lodging for employees while they travel on company business. Lodging Expenses and Taxes Tax Deductible for the Employer If you pay for lodging for employees under any of the arrangements above, this expense is considered to be deductible as a business expense....

Medicare provides both free and cost-effective health insurance coverage for eligible older adults who are 65 years of age or older. Social Security retirement benefits act as a small pension, providing monthly income to those eligible as early as age 62. Even if you are eligible to start receiving benefits, you do not have to start taking them. In some cases, it may be better to delay or to start taking benefits from one program but not the other....