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Start by having a discussion with your manager or human resources representative about the possibility of a transfer and what employment opportunities are available at the new location. That way, the company won’t be surprised when they get your letter or email. However, the company may ask for a formal written request. In this situation, you will need to write a job transfer request letter. (If you’re interested in transferring to another department within the company you work for, use this job transfer letter instead....

Yellow Dog Productions / Getty Images Since the end of last year, the yield on the 10-year Treasury note had almost doubled to touch 1.75% on Thursday and Friday, an increase of 84 basis points, or 0.84%, in less than three months. The last time it was as high was before the pandemic. While rising yields may be a sign of increasing optimism about the country’s economic growth prospects, according to the Federal Reserve, they also signal a mounting fear that the economy could overheat and ignite strong inflation, which could in turn force the Fed to raise benchmark interest rates sooner than it had planned and before the economy has fully recovered from the pandemic....

Employees who are burned out were more likely to say they would leave their current position—a whopping 39% are ready to call it quits “after the pandemic,” compared with 13% of those who did not feel burned out. Eagle Hill did not specify what it meant by post-pandemic. The consulting firm pointed out that unhappy workers aren’t the only ones thinking of quitting, though. Conditions are right for a “talent turnover tsunami,” said Eagle Hill President and CEO Melissa Jezior in a statement....

If you own a rental property, are a landlord, or are planning to buy or sell a house, it’s important to understand how encumbrances work and how they affect your right to your property or others. Encumbrances in Real Estate Encumbrances can have a significant impact on landlords and owners, especially when it comes to how someone can use or sell the property. In some cases, encumbrances can reduce the value of a property or prevent the owner from selling....

The savings are a result of the recent decline in rates for a 30-year fixed mortgage, which dropped for a third straight week to 6.49%, according to data from the Mortgage Bankers Association (MBA) Wednesday. That’s well below the 7.16% average mortgage rate that was offered the week ending Oct. 21. The difference translates into significant monthly savings for homebuyers. The monthly mortgage payment for a median-priced home—$379,100, according to the National Association of Realtors—would be $1,914....

In the United States, there are 2.05 million farms, of which 97% are family owned. There is a competitive advantage to family farms because they are able to pass on their understanding of local soil conditions and weather patterns. Despite this, most small farms make only $350,000 a year before costs. U.S. agriculture is dominated by the 3% of farms that are large or very large. Large farms have an income of $1 million or more....

The unemployment rate is reported by the BLS on the first Friday of each month. It is useful to compare this month’s unemployment rate to that of the same month last year, or year-over-year, to rule out the effects of seasonal unemployment. If you only compare this month’s unemployment rate to last month’s, it could be higher because of something that always happens that month, such as the school year ending....

In the past, 1040.com has also been associated with the IRS Free File Alliance, to help qualifying tax filers file their income tax returns for free. However, 1040.com was not a Free File Alliance participant in 2021. Cost to Prepare Tax Return 1040.com charges a flat $25 income tax filing fee, and that includes both federal and state tax filing. You can create an account, log in and even preview your completed tax return for free....

Aside from that intended purpose, there’s essentially no difference between the two types of savings bonds except for the appearance of the words “Patriot Bond” on the face of those bonds. The Backstory Patriot Bonds were issued for just 10 years, from December 2001 through December 2011, and could be purchased in any amount, including any number of cents, from $25 to $10,000. That means you could buy one for, say, $25....

The market for second homes is even hotter than it is for primary residences, with demand for mortgages on vacation digs rising 84% year-over-year in January, compared with 36% for primary residences, according to an analysis of mortgage rate-lock data by real estate firm Redfin. In fact, by this measure of mortgage applications, interest in second homes has surged more than 80% for eight straight months, when comparing to the same month a year earlier....

Distribution services can include payment to brokers and other intermediaries who sell the funds or ETFs offered by the mutual fund company. This fee also covers the costs incurred on advertising, marketing, printing, and mailing of sales literature and prospectuses to new investors. Shareholder services refer to payments made to teams who deal with investor queries about a mutual fund, as well as provide investors information about their investments, although shareholder services fees can also be paid outside of 12b-1 fees....

Learn more about how current liabilities work, different types, and how they can help you understand a company’s financial strength. Definition and Examples of Current Liabilities Current liabilities are also called “short-term liabilities.” They are debts that must be paid within the next year, including: Short-term debt, such as a line of creditRent for space or equipmentBills for goods or servicesNear-term obligations to provide goods or services Adding the short-term and long-term liabilities together helps you find everything that is owed....

Like high-yield bonds, emerging market debt is an asset category for investors who are willing to stomach above-average credit risk in the quest for higher longer-term returns. On the spectrum of risk and reward, emerging market bonds fall in between investment-grade corporate bonds and high-yield bonds. Emerging market debt should, therefore, be considered a longer-term investment that isn’t suitable for someone whose top priority is the preservation of capital....

Issued shares is just one term used to designate the status of specific shares of company stock. Besides issued shares, there are outstanding shares, treasury shares, basic shares, and diluted shares. These designations are used in different approaches to assessing the value of a company and its stock. Definition and Example of Issued Shares Once a company authorizes the sale of shares of its stock, it has the option to issue some or all of those shares to be distributed....

Financial ratios are used by businesses and analysts to determine how a company is financed. Ratios are also used to determine profitability, liquidity, and solvency. Liquidity is the firm’s ability to pay off short term debts, and solvency is the ability to pay off long term debts. Commonly used financial ratios can be divided into the following five categories. Liquidity and Solvency Ratios Liquidity ratios focus on a firm’s ability to pay its short-term debt obligations....

The “large loss” waiver of deductible is based on the dollar value of the claim. If the claim exceeds a certain value, the deductible could be waived based on your policy wording and conditions. Big claim (or “large loss”) waivers of deductible are not as commonly talked about but can be an important money-saving advantage in a claim. Usually, the waiver of deductible comes into play when there is a major loss, such as a home insurance claim where the home has to be rebuilt or a fire....

What counts as an excellent credit score can differ from one lender to the next. Generally, if your credit score is above 750, you’re considered to have excellent credit. If you already have an excellent credit score, make sure you’re getting the most out of it. Better Chances for Approval Many businesses use credit scores to determine whether to approve your application. When you have a poor credit score, there’s a greater chance your applications will be denied because creditors may consider you to be a risky borrower....

What Job Titles Designate These job titles designate the hierarchy, from executive management to low-ranking employees, within the job structure of an organization. They also denote the reporting relationships of staff members as well as the status level within the company. In some instances, titles designate an individual as an officer of the company with specific responsibilities that make them legally accountable in their position. These include such staff positions as CEO, president, and vice president....

What Happens When You Fall Behind? First, you’ll be charged a late fee if you haven’t paid your mortgage within 15 days of the due date. Your loan will officially go into default if you’re still unable to make your payment after 30 days. At that point, your lender will report your overdue payment to credit bureaus, and it will impact your credit score. When Foreclosure Starts The foreclosure process can start when you’re more than 120 days past due....

Learn more about this policy exchange, what the requirements are, and whether it would be beneficial for you. Definition and Example of a 1035 Exchange? A 1035 exchange is the tax-free exchange of one type of annuity, endowment, or life insurance contract for another. To meet the requirements for this law, you must be exchanging a policy for another of like-kind. Here are some common types of exchanges that qualify: A life insurance policy to another life insurance policy A life insurance policy to an annuity An annuity to another annuity A long-term care insurance policy to another long-term care insurance policyAn annuity for a long-term care insurance policy A contract of endowment insurance for an annuity...