Bar charts consist of an opening foot—facing left—a vertical line, and a closing foot—facing right. Each bar includes the open, high, low, and close price that occurred during a specific interval, set by the trader. For example, if a day trader opts to view a one-minute bar chart, then a new bar will form every minute, and each bar will show the open, high, low, and close price for each minute....
What Is Included on a Pay Stub? Pay stubs include the details of each pay period’s wages including the following, depending on your personal circumstances. Gross wages (the amount you earn before deductions)Tax deductions (federal, state, and local taxes, Social Security, Medicare)Other deductions (health insurance, life insurance, 401k)Net pay (the amount of pay you “take home” after deductions) Gross pay: This is your pay before deductions for federal, state, and local taxes, as well as Medicare, Social Security, and any insurance or retirement contributions....
In many cases, financial problems that already existed might have been a contributing factor leading to divorce, which means these additional expenses are only making things worse. It’s not uncommon for people to come out of a divorce with a lot of debt and damaged credit. Repairing that credit won’t happen overnight, but every good financial decision will put you one step closer. Live on a Budget Building and rebuilding credit is mostly about paying your bills on time and reducing your debt....
Other people have changed jobs, made career pivots, and even left the workforce. Many insurers recognized these changes early on and gave back to their policyholders via premium decreases and refunds. But as the months progress, you may be looking for more ways to reduce costs. Lowering your car insurance rates can help. You can reduce your rates right now by making a few changes while staying at home and driving less....
If you’re considering setting small business goals, you may be wondering how, and which strategies may help you pick effective goals to keep moving your business forward. What Are Business Goals? Business goals are objectives important to helping a business achieve short-term and long-term success. Without business goals, a business owner or manager may flounder and struggle to earn a profit. With clear and reasonable goals, you may find yourself in a better position to keep the business open and operating for years to come....
One advantage of setting up a living trust is that unlike assets distributed through a last will and testament, property in a living trust typically avoids the probate process. Probate is a court-supervised process that involves the verification and execution of the will after your death. Another benefit of a living trust is that you have more control over how your property is distributed when you die than you might have with a will....
Ownership Structure This section outlines the legal structure of your business. It may only be a single sentence if your business is a sole proprietorship. If your business is a partnership or a corporation, it can be longer. You want to be sure you explain who holds what percentage of ownership in the company. Internal Management Team The internal management section should describe the business management categories relevant to your business, identify who will have responsibility for each category, and then include a short profile highlighting each person’s skills....
Learn more about what a human resource department does and what sorts of roles an employee there may occupy. What Is a Human Resource Department? A company’s human resource department is tasked with the training and development of its workers, who are considered some of the company’s most important resources. Also known as human resources (HR), the human resource department’s mission is to make sure the company’s employees are adequately managed, appropriately compensated, and effectively trained....
For instance, some index funds and exchange-traded funds (ETFs) may focus on just one narrow sector, such as biotechnology or social media. They can put up big returns in the short term, but they can also see big declines. A diversified portfolio should have exposure to several, uncorrelated sectors and asset classes. The best all-in-one index funds for most investors are more broadly diversified, and they’re increasingly low cost. Below, we cover some such funds you can buy for the long-term....
In the week ending May 1, there were 498,000 initial claims for unemployment insurance, 92,000 fewer than the previous week’s revised total, according to seasonally adjusted data released Thursday by the Department of Labor. The number beat economists’ expectations, with 538,578 claims forecasted by a median estimate from Moody’s Analytics. It is the third time in four weeks claims have dropped to a pandemic-era low, according to DOL’s revised numbers....
The interviewer asks you this question to determine if you’re serious about working for the company or if you’re simply looking for extra money. While there’s nothing wrong with wanting to make a little extra money, the best answer shows that you will be an asset to the business and that the hours and shifts fit well into your personal situation. Part-Time Because Your Time Is Limited If you have limited availability due to school, family or transportation, you may want to include that in your answer....
How do you best manage your investment in inventory to maximize your profits and cash flow and minimize your expenses? You have to categorize your inventory into dead inventory, slow-moving inventory, and product inventory and deal with it appropriately. There is an unspoken 80/20 rule in business for different situations. In the case of inventory, you usually get about 80% of your sales from 20% of your inventory. Be proactive and work on your supply chain management....
Two Most Common Reasons for a Salary Reduction Employers have many reasons why they might need to reduce the amount of money you receive in your paycheck. These are the two most common reasons why an employer might do a salary reduction. Your Organization Is Experiencing Economic Challenges An organization that is experiencing economic challenges may ask you to take a salary reduction. An economic downturn, a weather event, or another unpredictable happening such as a public health crisis has affected the company’s sales, profitability, or its ability to succeed, or even operate, as a business....
How worried should we be? Federal Reserve Chairman Jerome Powell recently admitted it’s “frustrating” to have underestimated the bottlenecks causing this year’s spike in inflation. But he downplayed the lasting impact, questioning whether households will even notice the slightly higher inflation rates the Fed is now forecasting over the next two years once we’re past this year’s hump. Some economists, however, fear the U.S. could be headed for 1970s-style stagflation—a combination of high inflation, steep unemployment, and stagnant economic growth....
Find out how they work, the types available, and whether or not you might need one. What Are Job Placement Tests? You can think of job placement exams as matchmakers for the world of work. Generally, they gather enough information from you to determine whether or not you’re a good match for specific careers or positions. Alternate names: Career placement tests, job placement exams, career aptitude tests How Job Placement Tests Work You may take a job placement test yourself online, it may be administered to you on paper, or someone may ask you the questions out loud and record your responses....
Here’s a quick look at the most significant economic indicators of the day and what they tell us. Jobless Claims First-time unemployment claims declined for a second week to 215,000 from the previous week’s revised level of 233,000, remaining firmly in the range of pre-pandemic times, the Department of Labor said Thursday. The number of claims has fallen again after a brief uptick in January caused by the spread of the omicron variant of COVID-19....
The debt-to-GDP ratio is a financial measurement for a country, similar to a business’ debt to equity ratio. Both ratios are designed to help interested parties determine if a country has too much debt. It is a measurement of financial health. There is no set ideal ratio for a country to have to indicate it’s financial health. However, when the ratio is used with other information, it can help you develop a working concept of a country’s health....
The concept of “Mr. Market,” the famous metaphor for the stock market created by Benjamin Graham, the father of value investing, can help you with that second important skill. It will forever change the way you look at stock prices and, if employed correctly, increase your investment returns noticeably. Enthusiasm and Fear in One Market Metaphor In his classic book, The Intelligent Investor, Graham captured the highs and lows of the stock market in one often irrational business partner....
While full-time wages for LGBTQ+ workers vary widely by gender, race, and ethnicity, the group overall has a median weekly wage of about $900, the foundation found. That compares to the $1,001 median weekly earnings for all workers, it said, citing data from the Bureau of Labor Statistics. Transgender women earned the least, a median weekly wage of $600, while Asian Pacific Islander men earned the most—$1,050 a week. Though the survey didn’t assess why the wage gap exists, discrimination was probably a factor, according to the foundation—the educational arm of the Human Rights Campaign, the nation’s largest lesbian, gay, bisexual, transgender, and queer (LGBTQ+) civil rights organization....
Examples include rock climbing lessons, bicycle races, and horseback riding. Participants might sue the business for damages if they’re injured enjoying any of these events. What Is a Liability Waiver or Release Form? Liability waiver forms are intended to reduce the number of negligence suits filed against your business by injured patrons. They shift some of the responsibility for injuries from your business to the participant. A waiver can only release your business from liability for ordinary negligence, however....
