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In high school and college, job seekers tend to include their GPAs on their resumes, particularly if those GPAs are strong (generally above a 3.5). However, after graduating from college, it can be difficult to know when to remove that decimal number from your resume. If you have a good GPA, it’s an asset on your resume. If not, it could hurt your candidacy. That’s especially the case when employers are seeking competitive candidates who have excelled in school....

As of 2017, it was estimated that 78% of American employees were living paycheck to paycheck, regardless of how much they earned. If you find yourself in that situation, you don’t have to throw in the towel. In fact, you have options for how to get your finances under control again. Start by identifying exactly where your cash is going—all of it. This goes beyond just itemizing your regular monthly bills....

Your Bank or Credit Union Your best bet for free check cashing is any bank or credit union with whom you have an account. At most institutions, account holders pay nothing to cash checks. Plus, you can deposit the check and withdraw cash later. Full Amount? Depending on your bank’s “funds availability” policy and the type of check you’re cashing, you might not get access to the full value of the check....

If you haven’t written a resume before, or haven’t updated yours in quite a while, getting started can be a challenge, but there are resources available that will assist you in writing an interview-winning resume for your job search. Where to Find Resume Writing Help There are numerous options available for getting help with your resume to ensure that the final draft will be looked at by prospective employers. You may be excellent at your job with the credentials to prove it, but if your resume doesn’t shine, you may not be considered for the job....

State Sales Taxes Sales taxes are the percentage you pay over and above sales prices when you purchase certain items. Most states rely heavily on these taxes to meet their fiscal needs. Municipalities and counties sometimes have their own sales taxes in addition to those charged at the state level. The Tax Foundation, a leading source for tax information, provides comprehensive annual rankings based on various taxes overall. According to the Tax Foundation, the five states with the highest combined sales taxes at the state and local levels as of 2022 are as follows:...

What Information Shows on Your Credit Report? Your credit report contains more than just credit and loan information. It also includes personal information that’s used to verify your identity. This personal information includes your name, birthday, current and previous employers, and current and previous addresses. Why an Old Address Could Show Up on Your Credit Report Your credit report typically includes any address where you’ve ever received a bill, especially credit card and loan statements....

How Payday Loans Work Let’s say you need to borrow $100 until your next payday. You write the lender a postdated check for the amount of the loan plus the fee. Lenders calculate payday loan fees in one of two ways: as a percentage of the amount you borrow, like 10%, or as a set amount per $1 borrowed, like $15 for every $100 borrowed. After you write the check, the lender gives you the cash or automatically deposits the loan into your checking account....

Lower-wage workers—defined as those with incomes at or below $60,000—have lowered their expectations in recent months, according to data collected by the Federal Reserve Bank of New York in July and released Tuesday. These workers said their so-called reservation wage—the minimum amount they were willing to accept to start a new job—was $42,300 on average, below where it stood not only in March of this year ($50,800) but also in July 2020 ($43,400)....

There’s more than one strategy for determining a property’s value, and there are multiple factors that can impact the value of a property. Keep reading to learn what they are, as well as why property valuation really matters Factors That Determine Property Valuation Property valuation is a means of determining the financial value of a property. It’s not an exact science, and it’s based on a variety of different factors....

As the chart below shows, the national average for a gallon of unleaded has more than doubled in the last year and a half and jumped almost $1 in just the past two months, reaching $5.01 on Monday, according to data from AAA. What is causing the spike? A confluence of factors. Concerns about having enough oil globally has kept the price of crude oil high for months, first because Russia’s invasion of Ukraine triggered sanctions against Russia, a major oil producer, and now because China will likely need more as it emerges from COVID-19 lockdowns....

A second round of so-called Economic Impact Payments (EIPs)—up to $600 per taxpayer—started arriving via direct deposit Tuesday and will continue showing up in bank accounts into next week, the IRS said in a statement late Tuesday. Paper checks were set to begin going out in Wednesday’s mail. While the payments were authorized in the $900 billion COVID-19 economic relief bill passed by Congress more than a week ago, President Donald Trump initially refused to sign it, demanding, among other things, that the payments be increased to $2,000 per taxpayer....

What Is a 0% APR Offer? A 0% APR offer means that you don’t have to pay interest on certain transactions for a set period of time. There are two main types of 0% APR offers: 0% purchase APR: A card with a 0% APR purchase offer could help you get through a rough patch by removing interest on what you buy, which could be a benefit if you have big purchases ahead....

Career changers make a pivot for all kinds of reasons, from changing interests, to shifting occupational outlook, to retiring from their first career. If you’re contemplating a new path, you need a map. Here’s how to evaluate your options, the best second career jobs to consider, and how to get started. How to Get Started When creating a roadmap to your second career, plan to travel toward something, instead of just escape your current situation....

What can make a really bad impression at a job interview? Here are some things that you should avoid doing if you want to move forward in the hiring process. They are all easily avoidable, so review the list and make sure none of them happen to you. Review these tips for how to make the worst impression at an interview, so you don’t end up on the bad applicant list....

January 2008 January’s existing home sales rate fell to its lowest level in 10 years. The 4.9 million rate was down 23.4%, according to the National Association of Realtors. Home prices fell to $201,100, down 4.6% from the prior year. Housing inventory was 4.19 million, a 10.3-month supply. January 22: FOMC Lowers the Fed Funds Rate The Federal Open Market Committee (FOMC) responded by lowering the fed funds rate to 3....

With the Labor Day Weekend approaching, we took a look at which pockets of the labor market helped stage this comeback. Delivery jobs have driven most job gains even as pandemic restrictions eased. Non-White workers saw meaningful gains in jobs and incomes, but deeper race and gender divides still persist in the labor market. Fastest Job Market Recovery in 40 Years At the height of the pandemic, job losses in the U....

Purpose Deductibles serve several purposes. One is to ensure that coverage remains affordable. Small claims are costly to adjust. If deductibles did not exist and insurers had to pay every small property loss, the cost of insurance would likely increase. The availability of deductibles gives policyholders some choice in how they utilize their premium dollars. A deductible is a type of self-insurance. A policyholder that accepts some risk in the form of a higher deductible will pay a lower premium....

Adjust Your Budget One of the first things you’ll need to do if you become a one-income family is adjust your budget and create a workable family budget based on your family’s single income. Remember, you may need to cut corners to make your new lifestyle work—from cutting cable, to saving money at the grocery store, to forgoing eating out at restaurants. While some of these costs may seem minor by themselves, once you add them up over time, it makes a difference....

Basics of 50-Year Mortgages Some 50-year mortgages are fixed-rate mortgages. They are built so that you pay off the loan with steady payments over 50 years. The interest rate never changes. This is a relatively long time since most mortgages are 15- or 30-year mortgages. Even if you don’t keep a 50-year mortgage for 50 years, the loan is designed with a 50-year timeframe in mind. It’s hard to find home loans that are designed with a 50-year time horizon (or longer)....

Many CDs offer higher returns than traditional savings accounts, however they may not offer as competitive of returns as other investments. You typically have to keep your money invested for a set period of time or pay an early withdrawal penalty. If you’re looking for a savings or investment option that offers similar benefits to CDs in terms of security and returns, consider the pros and cons of these six alternatives....