Finding out if insurance will cover your investment is crucial with so much money being spent on outdoor upgrades. Home insurance often has special policy limits on outdoor toys, or special needs for swimming pools, spas, and hot tubs. Here’s what you need to know to help you get the most out of your home insurance. You’ll want to make sure that your pools, outdoor furniture, and backyard upgrades are properly insured....
Who Needs Flood Insurance? Most home and renters insurance policies don’t cover flood damage. All homes lie within low-, moderate-, or high-risk flood zones. FEMA determines a structure’s risk by the zone in which it lies on a community flood map. Property owners with structures in low- and moderate-risk areas are eligible to buy low-cost NFIP coverage. Homeowners living outside high-risk areas aren’t required by law to carry flood insurance, but some lenders may require the coverage....
One question you might be asked is, “What was the biggest criticism you received from your boss in your last job?” To say that answering this one might be tricky is an understatement. Here are a few things to keep in mind. What Interviewers Want to Know Interviewers have a few goals in mind with this question. First, this is another way to ask about your weaknesses. While employers want to know what you’re good at, they’re also curious about areas where you’re less skilled....
It can be nearly impossible for new investors to gain access to high-quality hedge funds, though. Even though hedge funds are privately held and often structured as limited partnerships or limited liability companies, their investment units are considered securities under most conditions. The rules for securities are complex and frequently prohibitive for smaller money managers, so the Securities and Exchange Commission (SEC) allows a way around this by exempting several different types of pooled investment vehicles from registration requirements....
The market offers several ways to safeguard your phone, some offering better protection than others. Cell phone insurance plans offer comprehensive protection, typically at an affordable monthly rate. Nonetheless, phone insurance is not for everyone. The Cost of Cell Phone Insurance The cost of cell phone insurance varies by plan. Some plans include a robust set of protections that cover losses such as accidental damages caused by drops or liquid, cracked screens, power surges, and theft....
A renters policy can also cover medical costs and legal expenses when someone sustains an injury in your rental home. Some landlords require all tenants to carry renters insurance as part of the rental agreement. Even if your landlord doesn’t require renters insurance, it makes good financial sense to get it. Renters insurance is an affordable way to protect your assets when calamity strikes. What Is Renters Insurance and What Does It Do?...
Here’s more information on why interviewers may ask about previous managers, and the best way to response. What the Interviewer Wants to Know With the question “Who was your best boss and who was the worst?” the interviewer is trying to discover if you are the type of candidate to assign blame or carry a grudge. Your response also reveals a lot about you, from the kind of supervision you prefer to your style as an employee....
According to the U.S. Department of Labor, the Fair Labor Standards Act does not cover job-sharing arrangements. However, employers are increasingly employing such flexible work arrangements to retain workers and attract new recruits. Learn the advantages and disadvantages of job sharing to see if this type of work plan is right for you. Job Sharing Pros and Cons for Employees Pros Explained Partnership: Since two employees conduct the same job responsibilities, they can fill in for each other when one gets sick or goes on vacation....
Here are some ETFs and ETNs that list options: AAXJ - iShares MSCI All Country Asia ex Japan Index Fund ACWI - iShares MSCI ACWI Index Fund ACWV - iShares MSCI All Country World Minimum Volatility ETF ACWX - iShares MSCI ACWI ex US Index Fund AFTY - CSOP FTSE China A50 ETF AGG - iShares Core Total US Bond Market ETF AGQ - ProShares Ultra Silver ETF AIA - iShares Asia 50 ETF ALFA - AlphaClone Alternative Alpha ETF AMJ - The JPMorgan Alerian MLP Index ETN AMLP - Alerian MLP ETF ANGL - VanEck Vectors Fallen Angel High Yield Bond ETF ARKK - ARK Innovation ETF ARGT - Global X FTSE Argentina 20 ETF ASHR - db X-trackers Harvest CSI 300 China A-Shares Fund ASHS - Deutsche X-trackers Harvest CSI 500 China A-Shares Small Cap ETF BAL - iPath Dow Jones-UBS Cotton Subindex Total Return ETN BBH - VanEck Vectors Biotech ETF BFOR - Barron’s 400 ETF BIB - ProShares Ultra Nasdaq Biotechnology ETF BIL - SPDR Bloomberg Barclays 1-3 Month T-Bill ETF BIS - ProShares UltraShort Nasdaq Biotechnology ETF BJK - VanEck Vectors Gaming ETF BKLN -Invesco Senior Loan Portfolio BND - Vanguard Total Bond Market ETF BNDX - Vanguard Total International Bond ETF BNO - United States Brent Oil Fund LP ETF BOIL - ProShares Ultra DJ-UBS Natural Gas ETF BOND - Pimco Total Return ETF BOTZ - Global X Robotics & Artificial Intelligence ETF BRF - VanEck Vectors Brazil Small Cap ETF BRZU - Direxion Daily Brazil Bull 3X Shares ETF BSV - Vanguard Short-Term Bond ETF BWX - SPDR Bloomberg Barclays International BZF - WisdomTree Dreyfus Brazilian Real Fund BZQ - ProShares UltraShort MSCI Brazil ETF CANE - Teucrium Sugar Fund CEMB - iShares®® JP Morgan EM Corporate Bond ETF CEW - WisdomTree Dreyfus Emerging Currency Fund CFA - VictoryShares US 500 Volatility Wtd ETF CHAD - Direxion Daily CSI 300 China A Share Bear 1X Shares ETF CHAU - Direxion Daily CSI 300 China A Share Bull 2X Shares ETF CHIQ - Global X China Consumer ETF CHIX - Global X China Financials ETF CIBR - First Trust NASDAQ CEA Cybersecurity ETF CNXT - VanEck Vectors China AMC SME-ChiNext ETF CNYA - iShares®® MSCI China A ETF CORN - Teucrium Corn Fund COW - iPath Dow Jones-UBS Livestock Total Return Sub-Index ETN COWZ - Pacer US Cash Cows 100 ETF CROC - ProShares UltraShort Australian Dollar ETF CSD - Invesco Spin-Off ETF CURE - Direxion Daily Healthcare Bull 3x Shares CVY - Invesco Multi-Asset Income ETF CWB - SPDR Barclays Convertible Securities ETF CWI - SPDR MSCI ACWI (ex-US) ETF CYB - WidsomTree Dreyfus China Yuan Fund DBA - Invesco DB Agriculture Fund DBB - Invesco DB Base Metals Fund DBC - Invesco DB Commodity Index Tracking Fund DBEF - db X-trackers MSCI EAFE Hedged Equity Fund DBEU - Deutsche X-trackers MSCI Europe Hedged Equity ETF DBJP - db X-trackers MSCI Japan Hedged Equity Fund DBO - Invesco DB Oil Fund DBS - Invesco DB Silver Fund DBV - Invesco DB G10 Currency Harvest Fund DDG - ProShares Short Oil & Gas ETF DDM - Ultra Dow 30 ProShares ETF DEM - WisdomTree Emerging Markets Equity, Income Fund DFE - WisdomTree Europe SmallCap Dividend Fund DFEN - Direxion Daily Aerospace & Defense Bull 3X Shares DFJ - WisdomTree Japan SmallCap Dividend Fund DGRW - WisdomTree U....
Foreign ETFs are a great way to increase your global exposure as well as to tap emerging markets, diversify a portfolio, and hedge international risk of certain commodities or sectors. Here are a few lists of foreign ETFs that might meet your global investing needs. Be sure to conduct thorough research on each product before you make any trade, and keep in mind that some might drop off a list and others may be added at any given time....
No matter what platform you use to do it, here’s a breakdown of how to create (and maintain) a budget using a simple spreadsheet. Create Your Budget Now that you have all of the details of your incoming and outgoing funds, lay out your budget in a spreadsheet. When doing so, consider both the broad categories of spending (such as housing, food, transportation) and your needs, wants, and savings. Founder of Her First $100K and internationally-recognized money and career expert Tori Dunlap recommends prioritizing necessities until you have a good understanding of your budget, especially if you’re living paycheck to paycheck....
The key components of your human resources business plan should include your organizational structure, the philosophy and needs of your HR department, the number of employees you want to hire, how you plan to manage them, and all the estimated costs related with personnel. The Management Portion of Your Business Plan You’ll want to start your HR business plan by outlining your own managerial experience and skills as well as those of your team....
Below, we’ll dive deeper into how you can determine how much house you can afford, what type of down payment you need to save, what’s included in your mortgage payment, and other monthly home expenses to keep on your radar. How Much House Can You Afford? As a general rule of thumb, the Federal Deposit Insurance Corporation (FDIC) suggests estimating a mortgage of two to three times your household income....
What’s the Difference Between a Mortgage Lender and a Bank? Mortgage lenders usually offer a larger variety of loan options, and they can be more forgiving of borrowers with damaged credit. Banks typically have fewer loan options and stricter lending criteria. Which Is Right for You? You may find it easiest to simply reach out to a local banker to assist you with the home loan process if you already have a relationship with a bank....
What Are Motivational Skills? Motivational skills can be defined as actions or strategies that elicit a desired behavior or response from a stakeholder. These strategies and actions vary based on three major factors: Steps in the Motivational Process Motivation is a process that requires careful strategy for success. These steps can help you to reach the desired outcome: Examples of Motivation Motivationcan be used in many different ways to elicit a positive result....
Eva-Katalin / Getty Images A mutual fund sales load is a type of commission designed to compensate brokers for selling a particular mutual fund. The broker is compensated with a percentage of everything they get their clients to invest. Types of Mutual Fund Sales Loads and How They Work There are two types of mutual fund sales loads—front-end sales loads and back-end sales loads (also called deferred sales loads)....
The goal of the OECD is to promote the economic welfare of its members. It also coordinates their efforts to aid developing countries outside of its membership. As a result, its programs help promote reform in more than 100 countries worldwide. The OECD’s main headquarters is located at 2, rue André Pascal, 75775 Paris Cedex 16, France. There also are offices in Berlin, Mexico City, Tokyo, and Washington, D.C....
And unlike with federal taxes, Pennsylvania doesn’t offer a standard deduction—a set amount that lets you lower your taxable income. This makes the state’s allowed deductions, credits, and exclusions from income even more important. Pennsylvania will forgive your tax debt, bringing your tax bill to zero if your income is low enough. What Income Is Taxable in Pennsylvania? Pennsylvania assesses tax on the eight classes of income: CompensationInterestDividendsNet profits from a business, profession, or farmNet gains or income from the dispositions of propertyNet gains or income from rents, royalties, patents, and copyrightsIncome from estates or trustsGambling and lottery winnings...
Learn more about your options for financing so you can choose the source that will give you the best bang for your hard-earned buck. What’s the Difference Between Personal Loans and Auto Loans? At a car dealership, it may be more convenient to obtain an auto loan. First of all, it is convenient, as you are already there doing your shopping. The dealer can offer you on-the-spot financing when you buy your car....
The pivot points include: The pivot point itselfThree support and three resistance points When the price approaches a pivot point—especially for the first time in each direction—it will have a tendency to reverse. It is this reversal that is used by the pivot point bounce trading system. The Default Trade The default trade uses a one to five-minute open, high, low, and close (OHLC) bar chart, and the daily pivot points....
