Typically, this video is used to supplement, not replace, a paper resume. As with a print resume, it’s possible for the video resume to be either general or targeted toward a particular position or company. It can be created by a professional for you, or you can create your own. Some job search and networking sites provide a means for users to incorporate video resumes into their profiles. How a Video Resume Can Help Depending on your industry, a video resume could be a helpful add-on to your job application....

Some financial institutions will simply change the name on your account from your individual name into that of you as trustee, usually with the notation “TTE” after your name. Others will require that you close the original account and open a new one in the name of the trust. Regardless of your institution’s rules and how many hoops it wants you to jump through, it’s important that you fund your bank accounts and other investments into your trust to properly plan for mental disability and to avoid probate....

The average rate offered for a conventional 30-year fixed mortgage vaulted from 5.98% the previous business day, while the average 15-year rate rose to 5.03% from 4.96% the previous business day. Our mortgage rate data only dates back to 2020, but if other measures are any indicator, the 30-year may be the highest since 2009. The 15-year is the highest it’s been in a month and not all that far off from its April peak of 5....

The average rate offered to homebuyers using a conventional 30-year fixed mortgage stayed at 4.51%, the same as the previous business day, and the average for a 15-year fixed mortgage rose to 3.65% from 3.59% the previous business day. Both are at their highest points since 2020, when the 30-year got as high as 4.71% and the 15-year reached 3.99%. Fixed mortgage rates tend to track the direction of 10-year Treasury yields, which usually rise with heightened inflation fears (and fall when those fears subside)....

The average rate offered to homebuyers using a conventional 30-year fixed mortgage rose to 4.67% from 4.62% the previous business day, and the average for a 15-year fixed mortgage increased to 3.82% from 3.77% the previous business day. Both have risen about half a percentage point in the past two weeks, reaching their highest points since 2020, when the 30-year got as high as 4.71% and the 15-year reached 3....

Beyond that, you might want to go over interview success techniques to improve your chances of landing the job. The more prepared you are for your interview, the more polished you’ll appear, and the more likely you’ll be to move forward in the hiring process. Types of Management Interview Questions An interview for a manager position will consist of questions about your experience, management style, what you’ve accomplished in the past, and what your expectations are for the future....

Learn more about transferable skills and how to put them to work for you. What Are Transferable Skills? Jobs require a combination of skills. Some are hard skills, which are teachable and easy to quantify, like being fluent in another language. Some are soft skills, which are harder-to-quantify skills like time management. Transferable skills can be hard or soft skills. What sets transferable skills apart is that they can be used in multiple career fields....

In fact, the U.S. is the largest importer in the world, having brought in $3.4 trillion in goods and services from abroad in 2021. At the same time, the U.S. exported $2.2 trillion-worth of manufactured goods around the world. Why Imports and Exports Matter to You The volume and nature of imports and exports deeply affects the economy of any country, and the U.S. is no exception. Imports and exports can affect a country’s Gross Domestic Product (GDP), its exchange rate, and its level of inflation and interest rates....

Prime Rate Vs. LIBOR According to the Federal Reserve Bank of St. Louis, the prime rate is the rate posted by a majority of the top 25 U.S.-chartered commercial banks. It is given only to banks’ best customers and is often about 3 percentage points higher than the federal funds rate, the rate banks charge each other to lend money overnight. The Federal Reserve’s Federal Open Market Committee (FOMC) sets a target for the federal funds rate but does not mandate that banks charge that rate....

How To Look at the National Debt by Year It’s best to look at a country’s national debt in context. During a recession, expansionary fiscal policy, such as spending and tax cuts, is often used to spur the economy back to health. If it boosts growth enough, it can reduce the debt. A growing economy produces more tax revenues to pay back the debt. The theory of supply-side economics says the growth from tax cuts is enough to replace the tax revenue lost if the tax rate is above 50% of income....

Most of the 1,800 approved claims came from former students of Westwood College, which the department said misled people about their career prospects and their ability to transfer credits to other schools. Marinello Schools of Beauty misrepresented the type of instruction offered at its schools, and Court Reporting Institute misstated how long it would take to complete its program, the department said. The claims, made under the Education Department’s borrower defense provision, were the first since 2017 involving students who did not attend Corinthian Colleges, ITT Technical Institute, or American Career Institute....

This edge becomes more vital when you can’t use other tax shelters such as an IRA or 401(k) plan. Holding shares can be a smart way to have gains over your lifetime. The following scenarios show how deferred taxes work in different situations. A Low-Cost Basis Investment as an Interest-Free Loan Imagine that 15 years ago, you bought 10,000 shares of AutoZone for $26.00 each for a total cost basis of $260,000....

As a business owner, financial statements are used to provide shareholders, partners, or potential investors with key business metrics. It’s also a powerful diagnostic tool business owners can use to evaluate their firm’s strengths and weaknesses, which can help you chart the way forward based on doing more of what works for the greatest impact on your bottom line. The three main components of your financial statement - a balance sheet, income statement, and cash flow statement - all combine to tell you a significant amount of detail about what your core competencies are and what your potential weaknesses may be....

ETF vs. Mutual Fund The Vanguard Total International Stock Index mutual fund and ETF share the same underlying index, but they involve different levels of commissions, trading costs, tax implications, and other matters. The Vanguard Total International Stock ETF trades under the ticker symbol VXUS with a 0.08% expense ratio that’s 87% lower than the industry average. As an ETF, the fund incurs a small brokerage commission when buying and selling....

Grantor Books and Grantee Books You can look up the history of all property deeds if you go to your county courthouse or to the clerk’s office, where deeds are recorded. You can check on other matters that can affect a title as well, such as loans against properties and releases of those loans. All of these records are typically contained in a lot of very large, heavy books. Transfers are recorded electronically, but all titles are still recorded and saved in these property record books....

How Free and Clear Can Let Seller Finance If you have a 30-year fixed-rate mortgage and make the same monthly payment every month for 30 years, at the end of 30 years, you will own your home free and clear. If you were to sell the home and wanted to make owner financing available for a new buyer, you would have no underlying lenders who could prevent that choice. Free and clear is the easiest way to provide owner financing when selling if a buyer cannot or does not want to obtain a loan....

Traders base their bids on their perceptions of supply and demand. Other entities, such as governments and the Organization of the Petroleum Exporting Countries (OPEC), can affect the traders’ bidding decisions by influencing trade or adjusting the amount of oil produced and stored. Oil is commonly referred to as the most volatile of commodities. If you are considering trading in oil or oil derivatives, it helps to understand what factors drive the price of oil and how traders, governments, and consumers influence it....

You may already have some experience with credit, particularly if you’ve had to pay cell phone or utility bills. But as you create a life for yourself without your parents and away from the college campus, building and protecting your credit becomes much more important. Here are some important tips to remember as you do those things. Getting Credit The catch-22 of credit is that you need credit to get credit, but you can’t get credit if you don’t have credit....

Learn more about housing starts, and what they mean for both investors and buyers. Definition and Example of Housing Starts A housing start is another name for a new residential construction project. The housing start is registered once construction of a new building begins. There are different stages of new housing construction; the start usually happens when the foundation of the building is excavated. All the stages are: PermittedAuthorized but not startedStarted Under constructionCompleted...

Selecting a payment processor for your small business is a big decision, and fees play an important role in that choice. Here’s what you should consider when you’re reviewing Stripe. Stripe’s Business Plan Options Stripe is a popular platform for companies that want a reliable payment service provider. It handles over 13,000 requests per second. It has also built transparent pricing strategies so customers know the fees they’ll encounter. Stripe has two payment plans....