Without detailed contact information, or with incorrect contact information, employers will not be able to get in touch with you. You want to make it as easy as possible for an employer or hiring manager to contact you about the job you’re applying for. Learn more about what to include in your contact section and where to put the information. Plus, see a sample contact section for a resume....

Cash and prepaid debit cards are two easy ways to handle most day-to-day transactions and some bills, and some apps and other online services may be helpful for other needs. However, some challenges will be more difficult than others to overcome without a bank account. Prepaid Debit Cards Prepaid cards let you do many of the same things that you can do with a debit card tied to a checking account....

Following a few guidelines will ensure that your tax return goes to the proper address, that it gets there on time, and that you have proof of delivery. Where To Mail Your Personal Tax Return The IRS has more addresses than you might imagine because its processing centers are located all around the country. The address you’ll use depends on what you’re mailing and where you live. Go to the Where to File page on the IRS website if you’re sending a personal tax return, an amended return, or if you’re asking for an extension of time to file....

But how? We’ve rounded up tips and tricks that’ll help make jobs sound impressive on your resume—without going too far, and making yourself appear boastful or silly. Use Numbers Which sounds better? Option 1: “Served tables at busy restaurant” or Option 2: “Served 15 tables simultaneously at busy restaurant.” You’ll probably pick option number two, which is just a bit more descriptive thanks to the use of numbers. It’s surprising how meaningful metrics can be—and that’s true even for positions that are English-major friendly....

Benefits of Using Quicken Bill Manager Useful services and features of Quicken Bill Manager include: The software is compatible with hundreds of payees. Email notifications get sent to you when bills arrive. Payments made online get automatically transferred into Quicken desktop software. Repeating bill payments allow for both variable and fixed monthly amounts. Details for each bill can be viewed within the software. Bills can be paid from within Quicken software or directly from the Quicken Bill Manager website....

To ensure you make repayment as affordable as possible and don’t damage your financial situation for the long term, you’ll want to take control of your student loans as soon as possible. These steps can help. Identify Your Lender, Servicer, and Repayment Plan The first key step to managing your student loans is to know where your loan came from, whom you are paying, and what amount you owe. To find those things out, first identify your student loan servicer....

The longer it takes you to pay off your balance, the more you spend on interest. This process can significantly damage your financial stability, preventing you from saving money or reaching big life milestones like buying a house or retiring. There are several ways you can approach paying off credit card debt, including high-interest credit cards, that will help you take control of your finances. Why Is High-Interest Debt Hard to Pay Off?...

First, you’ll need to determine the financial statements that you or your financial professional will generate for your business. These financial statements will help you determine your firm’s financial position at a point in time and over a period of time, as well as your cash position. Many small businesses fail because an owner loses a grip on the firm’s financial position. If you understand financial statements, that won’t happen to you....

Dividend Tax Withholdings Investing in U.S. dividend stocks is a fairly straightforward process. After receiving dividends from the stocks you own, you include them on your tax return and pay income tax. If the stocks are held in a tax-favored account, like an IRA, then you don’t pay any tax on the dividends unless you are withdrawing from the IRA. Foreign dividend stocks are a bit more complicated. Dividends paid by a foreign corporation may be subject to tax by that corporation’s home country....

Why You Would Intentionally Realize a Capital Loss? One reason you might consider intentionally realizing capital losses would be if you were incurring large capital gains in the same tax year. Let’s say you sold a piece of real estate, a business, or a mutual fund or stock with a large capital gain. You might be able to rearrange other investment holdings you have for the purpose of generating losses to offset your capital gain....

One of the practices credit card issuers are notorious for is suddenly increasing interest rates. Of course one of the reasons it seems so sudden is because most credit card issuers only have to send you 45 days notice before increasing your interest rate. The chart below shows the difference in the prime rate versus credit card interest rates from 2000 through today. Opt-Out of the Higher Rate When your interest rate increases, you’ll typically have an opt-out period allowing you to reject the interest rate change....

The parabolic SAR has three primary functions. First, it highlights the current price direction or trend. Second, it provides potential entry signals. Third, it provides potential exit signals. Parabolic SAR Calculation The parabolic SAR (PSAR) indicator uses the most recent extreme price (EP) along with an acceleration factor (AF) to determine where the indicator dots will appear. The parabolic SAR is calculated as follows: Uptrend: PSAR = Prior PSAR + Prior AF (Prior EP - Prior PSAR)Downtrend: PSAR = Prior PSAR - Prior AF (Prior PSAR - Prior EP)...

What is a Job Application Letter? A job application letter, also known as a cover letter, should be sent or uploaded with your resume when applying for jobs. While your resume offers a history of your work experience and an outline of your skills and accomplishments, the job application letter you send to an employer explains why you are qualified for the position and should be selected for an interview....

Cover letter writing is not supposed to be a lost art. Employers still expect them. Hiring managers at the companies surveyed by Saddleback College which require cover letters (53%) want more than just a basic cover letter. What Employers Expect in a Cover Letter According to the companies surveyed, here’s what they expect to see in cover letters: Tailored skills from the job description - 33% Clarity (specifying job applied to) - 26% Details from resume - 20% Your (personal) value - 19%...

Sincerely, Johan Dear Johan, You’ve asked a few questions here, one of them being which loan you should try to speed up payments on: your larger, main loan, or your smaller loan with lower payments. Generally speaking, you’ll save more money by tackling the debt with the higher interest rate. In this case, that would be your smaller loan, which has a significantly higher interest rate. What’s the advantage? Money saved!...

Negotiations usually involve some give-and-take or compromise between the parties. However, negotiated agreements do not necessarily involve both parties meeting in the middle, because one side might have more leverage than the other. Negotiations might result in formal agreements (or contracts) or may yield a less formal understanding (as in a verbal agreement) of how to remedy a problem or determine a course of action. Jobs That Require Negotiation Skills There are many different jobs where negotiation skills are valued, including sales, management, marketing, customer service, real estate, and law....

After all, most employers are looking to hire employees who are forward-thinking and in tune with trends impacting their profession. With insight into trends and what’s expected in your industry, you can help propel a company beyond the status quo. Interviewers and recruiters are very likely to expect you to know about trending topics in your profession and/or career field. Here’s what you need to know to give meaningful responses to questions about trends....

Actually, car insurance isn’t that simple. There are some issues that can cause you a big headache, such as gap insurance. While it can be helpful, you should make sure it’s worth it before you buy. What Is Gap Insurance? You may know that a brand-new car’s value begins depreciating as soon as it’s driven off the lot. Now, suppose you take out an auto loan, buy a new car, and drive it home....

You may be wondering if you can contribute to a SIMPLE Roth IRA, but they don’t exist. Instead, to take advantage of a Roth IRA account’s benefits, you can convert a SIMPLE IRA to a Roth IRA. Learn the difference between these two types of IRAs, the pros and cons of each, and how conversion works. SIMPLE IRAs Do Not Have a Roth Option A SIMPLE IRA (Savings Incentive Match Plan for Employees) is a retirement plan that allows business owners and employees to contribute to traditional IRAs....

While a savings account should be part of your emergency financial strategy, it’s not the only way to make such a strategy work. Here’s how to build a better emergency fund. Start With the High-Yield Savings Account Savings accounts are generally used for emergencies because the money is liquid and accessible, allowing you to quickly move funds into checking or even withdraw it as cash from an ATM. It’s also arguably the safest place for your money: Savings accounts are insured by the FDIC, and there’s no risk that you’ll lose money if the market takes a dive, as long as you stay within their allowed insurance amounts....