Learn about how FICO taxes, retirement contributions, and other paycheck reducers explain the difference between your salary and the actual amount you take home. What You Need To Calculate Your Take-Home Pay Want to know what your paycheck will look like before you take a job? There is a way to figure out exactly how much you’ll have left after FICA, federal taxes, state taxes, and any other applicable deductions are removed....
Learn more about savings bonds and how to find their value online. What Are Savings Bonds? Savings bonds are a way for average Americans to buy U.S. government debt. U.S. savings bonds are considered one of the safest investments that you can buy because they are backed by the full faith and credit of the U.S. Government, and most have a face value between $50 and $10,000. Bonds stop earning interest after 30 years, and they must be owned for at least one year before they can be redeemed....
People inside of organizations are afraid to provoke conflict, and they don’t want to get into an argument or disagreement that they can’t manage. They fear public humiliation, damaging their professional brand in the eyes of the organization, being proven wrong, and rejection by their colleagues. It means that people who run organizations or departments, teams, or work groups mostly fail to get the best out of the people they hire and employ....
If you were on a long road trip, you’d stop occasionally and look at the map to see if you were headed in the right direction. An annual financial checkup serves the same purpose. It’s an opportunity to review how you’ve done financially over the past twelve months and make sure you’re still headed in the right direction when it comes to managing your money. A good time to check in with your finances is before the end of the year so you can take advantage of any tax-saving strategies, but if you can’t fit it in during the busy holiday season, plan on doing it as soon after the new year as possible....
To prevent your identity from being stolen or further identity theft after your identity has already been stolen, you might consider freezing your credit report, a free service that all three major credit bureaus offer. What Is a Credit Freeze? A credit freeze, also known as a “security freeze,” locks your credit report, blocking all new inquiries. Since most banks require a credit check to process your application, an application for credit would likely be denied during a freeze....
You may have heard that private loans are a good alternative to traditional loans, and in some cases, that’s true. Understanding where and how to borrow with bad credit can help you safely get the funds you need from the right private money lender. Basics of Private Loans As the name suggests, these are loans obtained from a private lender. They fall into one of two categories: Loans from a non-institutional lender (that is, not a bank or credit union)Student loans that don’t come from the government...
Day 1: Take inventory of your financesDay 2: Get back on budgetDay 3: Pay down debtDay 4: Build an emergency fundDay 5: Save for retirementDay 6: Check your credit scoreDay 7: Make your goals a reality This checklist can help you focus on your financial self-care and manage your well-being. Financial well-being spans four key areas: security to pay your recurring bills, a plan for unexpected costs, freedom of choice with how you spend, and pursuing your long-term financial goals....
Learn some methods for delivering negative feedback and get results. Privacy and Emotional Control The first step is to find a private place for feedback. Conduct the meeting in your office or schedule a conference room for your feedback discussion. Next, ensure you’re in control of your emotions. It’s OK to Take a Moment If you need time to gather your emotions, delay the discussion a few hours or until you get your thoughts together....
You can consider a currency ETF that either includes the Brazilian Real in its basket or even a currency fund specific to the Real. Or you can even research a BRIC ETF that includes securities from only Brazil, Russia, India, and China in its holdings, like iShares MSCI BRIC ETF (BKF). But if you want to invest in a Brazil asset by itself, then you might want to consider these country-specific ETFs that focus on Brazil only....
But for those friends and family, the festivities come with a price tag. According to a survey from The Knot, the average wedding guest spent $430 in 2019, including travel, clothing, and a gift. The cost varied substantially with proximity to the ceremony, from an average of $185 for hometown guests who did not require lodging to $1,440 for guests who flew to attend. If you expect to be a guest at one or more weddings this season, you may be just as excited to be invited to the couple’s special day as you are worried about how to afford it....
Prepare for the Unexpected Even the most careful planner may be taken by surprise with an event that they had not planned or prepared for. The best way to handle these events is to prepare for the unexpected in advance. Build up an emergency fund to pay for an unexpected medical bill or house repair. Also, have some easily accessible, liquid cash on hand, just in case you need it in a hurry....
Going short in the forex market follows the same general principle—you’re betting that a currency will fall in value, and if it does, you make money—but it’s a bit more complicated. That’s because currencies are always paired: Every forex transaction involves a short position in one currency and a long position (a bet that the value will rise) in the other currency. Placing a Sell Order Another difference between shorting in the stock market and the forex market is that in the latter, you don’t have to borrow a certain amount of the currency you want to short....
Why does having a professional photo on your LinkedIn profile matter so much? There are a number of reasons. For instance, when you meet a LinkedIn contact in person for the first time, they will be able to recognize you because of your photo. And, when you send a LinkedIn invitation to connect with someone you already know, they will feel comfortable accepting the invitation because they recognize your face....
Before your parents pass on, discuss how to plan your parents’ funerals. Planning includes practical consideration of the service, burial, and cost. But it also concerns the emotional process of discussing the death of loved ones and finding unique ways to celebrate their lives. Why You Need To Talk to Parents About Funeral Planning It’s important to talk to parents about funeral planning so you can understand what your parents want at their funerals, long before the day arrives, National Funeral Directors Association (NFDA) president Randy Anderson told The Balance in a phone interview....
Figuring Out the Momentum The momentum of a price is pretty easy to find. There are a couple of versions of the formula, but whichever one is used, the momentum (M) is a comparison between the current closing price (CP) and a closing price “n” periods ago (CPn). You determine the value of “n.“Version 1: M = CP – CPnVersion 2: M = (CP / CPn) * 100 The first version simply takes the difference between the two closing prices....
NinjaTrader enables you to build trading strategies so stop-loss and target orders are sent out as soon as you enter a trade. This feature is recommended for all day traders. If you lose your Internet connection, your data provider goes down, or you disconnect from your broker, those stop-losses and targets might help you avoid a financial catastrophe. Demo Account If you’re a day trader in the UK and are considering using NinjaTrader, the first part of the process would be to open a demo account that lets you practice trading on the platform without putting real money at risk....
You want to leave a positive final impression when you make an exit from your job. A positive, professional resignation letter will help you leave that positive impression. Resignation Letter Template Begin your resignation letter with a standard date, name of the addressee, usually your direct manager or supervisor, and the company address, just as you would start any business letter. If you have personalized stationery, plan to print the resignation letter to fit your stationery using your home printer....
When crafting your response, you have a lot of things to consider. The email response should be the right length, concisely express your interest and qualifications, and follow modern design formats. Once you understand the components of a well-written email response, you can apply for that dream job with confidence and look forward to a bright future. Emailing About a Job Posting Finding a job posting for a role you really want can cause anxiety, and you might not know the best way to proceed....
Smaller companies hire outside firms to administer payroll, pay employment taxes, and manage risk. The average size of a company that uses HR outsourcing is 19 employees. HR firms pool thousands of businesses together, and the economy of scale lowers the cost of their services. Advantages HR outsourcing reduces the fixed cost of managing employees. HR firms can be more efficient because the talent and infrastructure are already in place....
Here’s what you need to know about IFRS, GAAP, and the organizations that oversee them. What Is IFRS? International Financial Reporting Standards are the rules that corporate accountants follow when reporting financial data on behalf of their companies. Many companies voluntarily follow these guidelines, but in some 144 countries that have mandated IFRS, these accounting practices are a legal requirement for financial institutions and public companies (those that issue stock on a public stock exchange)....
