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Indexed Annuities: The Good Indexed annuities have a few things in common with fixed and variable annuities. Many indexed annuities have a minimum interest guarantee. This means that the original amount you put into the plan is safe from market volatility. This is in line with what more retired people have started to require. Indexed annuity returns are based on an index like the S&P 500. If the value of the index goes up, you receive a return based on that value....

Witthaya Prasongsin / Moment/ Getty Images Understanding Anxiety According to the Anxiety and Depression Association of America (ADAA), anxiety disorders affect 18% of adults in the United States every year, and they are the most common mental health disorders. Genetics, life events, changes in brain chemistry, and other stressors may cause the development of an anxiety disorder. The National Institute of Mental Health breaks the disorder down into generalized anxiety order (GAD), panic disorder, social anxiety disorder, and phobia-related disorders depending on the severity, duration, and frequency of symptoms....

Still, there’s more than one way to make money in the stock market. Depending on your time horizon and appetite for risk, growth investing may be one of those ways. What Are Growth Stocks? Growth investing can be a great way to get a high return. The keys are first to learn what growth stocks are and whether they’re the right investment for your unique circumstances. Your time horizon and appetite for risk are two major factors that will help you decide whether growth investing is right for you....

For the most part, it’s safe to use the service and link your accounts to PayPal. The level of risk depends on what you use the service for. Buyers will find that PayPal is an easy and secure way to make purchases.Sellers can also benefit from using PayPal, but there are risks to be aware of. Those risks aren’t unique to PayPal, but some sellers are unaware of potential problems....

Employers are expected to rely increasingly on computers to do jobs that humans currently perform. About half of all employees’ tasks could become automated using today’s technology. Because computers are generally less expensive, less prone to error, and more proficient in some areas than human employees, it’s clear that the future of work will increasingly involve robots. While this might sound alarming, the study emphasizes that most human jobs will change rather than disappear completely....

Even though you’re leaving a lower-paying job for a better one, the standard rules apply: give proper notice, write a resignation letter, and quit with grace. Remember that your goal is not to burn bridges on your way out the door. You might need a letter of recommendation from your employer in the future. Even if you don’t, many industries are small worlds. There’s no reason to leave on a negative note....

Learn more about the differences between life insurance and annuities to find out which is right for you. What’s the Difference Between Life Insurance and Annuities? Annuity plans are designed to provide retirement income to the plan owner if they live beyond the expected lifespan. Annuities provide tax-deferred savings for retirement income. Payout If you have your own life insurance policy, you likely hope that you never actually see the payout....

Spreadsheets are available from several popular providers, and the instructions here will work with Microsoft Excel, Google Sheets, Apple Numbers, Apache OpenOffice, and many others. DIY vs. Calculator Templates There’s no need to do it all yourself—unless you really want to. Templates allow you to plug in a few details about your loan and be done with it, and those pre-built templates are easy to use. To use a loan template in Excel, open the program and if “Loan Amortization” is not an immediate option, type those words into the search box....

What Are Intangible Assets? An intangible asset is a business asset that has no material substance, but it has value to its owner. Some intangible assets may have a physical component. For example, stocks and bond certificates represent a share of ownership and a DVD is an object containing a movie. Independent Examples: Alternate name: Intangible propertyAcronym: IP Examples of Intangible Assets Intangible assets can be found in all areas of a business....

Managed futures ETFs are most commonly used to achieve positive returns, no matter which direction the stock market is headed (up or down in aggregate pricing). These ETFs are not ideal investments for some people, but they can be used wisely as part of a diversified portfolio or as a short-term hedging plan. Before you invest in managed futures ETFs, it’s wise to know how they work, the risks that come with them, and how you can benefit from them....

When you’re applying for a management role, this context can be even more important. You’re trying to show not only that you have the skills to do a job, but to inspire others to theirs ​as well. What to Include in the Cover Letter Include the Skills the Employer is Looking For Scan the job posting, looking for the specific management skills desired in a candidate. Generally speaking, these skills will be related to five management functions: planning, organizing, coordinating, directing, and oversight....

According to the U.S. Bureau of Labor Statistics, hiring employees at the management level is expected to grow by 7% from 2018 to 2028. Often, managers are groomed from entry level positions and are, in time, promoted to be managers. Management Job and Education Requirements Education requirements for getting a manager job or promotion vary, depending on the level of leadership. For example, there are middle managers and supervisors, both of which may not necessarily require a college degree....

In 9 of 11 popular migration destination cities, homebuyers moving from out of town paid more over asking price in the 12 months that ended June 30 than those who were moving within the same area, according to an analysis published Monday by real estate firm Redfin. In Austin, Texas, the most extreme example that Redfin found, out-of-towners paid an average of 7.8% over asking price for homes, while locals paid 3....

Businesses are valued for different reasons - someone wants to buy the business, or you want to sell your business, or you want to establish a value in case you lose your business in a disaster. There are several ways to value a business: What the Term “Multiples” Means The term “multiples” has a specific meaning in business finance. A multiple is a way to measure one element of the financial status of a company by comparing two metrics (relevant numbers)....

PeopleImages / Getty Images Determining which fits best with your investment style largely depends on four factors: risk, reward, timeframe, and expenses. What’s the Difference Between Mutual Funds and Stocks? Even when a mutual fund holds 100% stocks, those stocks aren’t all in one company. If a single company gets hit with a scandal that causes the stock to tank, a mutual fund investor won’t be hit as hard as an investor that only owns that company’s stock....

Caiaimage/Paul Bradbury National General Insurance sells its products through over 10,000 independent agents and brokers across the U.S. Market Size National General has property and casualty gross written premiums of $1,316.9 million, an increase of 5.9% over the prior year. Its accident and health gross written premiums grew by 12.9% over the prior year to $162.6 million. Investment income also grew to $33.5 million, compared to $31 million the year before....

Negotiation can lead to a better deal all the way around. Buyers deserve to know which parts contract can be changed, and to have a voice in the matter when they’re spending hundreds of thousands of dollars. By the same token, sellers should know which things can be negotiated and whether there’s any room in the costs of sale, because this can affect their net proceeds. What Is a Purchase Agreement?...

To cater to borrowers with limited cash, some lenders offer mortgage loans that require no money down. But it’s essential to understand the pros and cons of these loans before you borrow. How to Buy With No Money Down If you go this route, government loan programs might be your best option. When the U.S. government guarantees lenders against loss, lenders become more willing to approve loans with no down payment....

LLC Ownership and Taxes An LLC pays income tax differently depending on the type of LLC and the ownership structure. LLC owners are called members, and an LLC can have one member (called a single-member LLC) or many members. In addition to having an individual person as a member, an LLC can be owned by a corporation, an s corporations, another LLC, a trust, or a pension plan. LLC’s are pass-through entities, meaning that the profits of the LLC are taxed by passing them through to the members to be paid on their individual income tax returns, along with their other income....

Business owners should not rely on a personal auto policy to cover vehicles used for business purposes. Personal policies are intended to cover individuals and their family members, not business operations. Consequently, most contain exclusions that eliminate coverage for many business-related exposures. Business Auto Policy (BAP) Many commercial auto insurers issue policies on standard forms published by ISO. The ISO commercial auto policy is called the Business Auto Policy (BAP)....