Breadth indicators show the numbers of stocks, bonds, or commodities that are rising or falling during a trading session. They’re often known as “internal market indicators.” They compile market data on what’s happening with buyers and sellers in a given market category at a given point in time. Examples of Breadth Indicators Traders don’t always refer to breadth indicators in the same way. A security or index that ends the trading day higher is an “advancing issue....

If you have money in a pension fund now and you prefer to have it in a Roth IRA, you’re not necessarily stuck. There are ways to roll over pension fund money into a Roth IRA, just like you might with a 401(k) or a traditional IRA. However, there are a few things to know first, such as how to prepare for the tax bill. We’ll help you decide if it’s right for you and help you get ready....

When You Might Need to Pay Back a Reverse Mortgage There are a few different scenarios in which a reverse mortgage, also known as a home equity conversion mortgage (HECM), will come due. Death One of the most common scenarios in which a reverse mortgage will need to be repaid is following the homeowner’s death. No Longer Occupying the Home As a Primary Residence If you move out of the home and it is no longer your principal residence, or you spend more than 12 consecutive months away from home, such as being in a hospital, you’ll have to repay the loan....

While capital gains tax is typically applicable when you sell an asset, for cryptocurrencies there are a number of scenarios which could create a tax liability even without an outright sale. More importantly, cryptocurrency investors are required t report their gains and losses to the IRS, even if they don’t receive a tax form for their crypto account. What Is Cryptocurrency? Cryptocurrency, or crypto for short, is digital money. Cryptocurrency can function as a medium of exchange, a unit of account, or a store of value....

Is Your Loan Rate Automatically Locked? Most mortgage lenders will automatically lock your loan for an initial period. If they do, some standard locking periods are 30, 45, or 60 days. If you’re unsure, check your initial loan estimate—it should clearly state whether your rate is locked and for how long. If it’s not, then you can discuss your loan lock options with your lender and decide whether you want to lock yours....

A reverse mortgage is a unique product that can be difficult to understand, especially when it comes to how much you can actually borrow. In this guide, learn a few factors that determine how much you can get from a reverse mortgage. Home Value One of the most important factors that affects how much you can get from a reverse mortgage is the value of your home. Like other types of equity financing, a reverse mortgage doesn’t allow you to borrow more than your home’s value, since lenders want to know they’ll be able to recover the full loan amount....

How Much Capital to Risk on Each Trade How much capital you risk depends on your account size, but as a general rule, don’t risk more than 1% of your account on a trade. In other words, don’t lose more than 1% of your trading account on a single trade. If you have a $30,000 account, you can lose up to $300 per trade; however, you can still utilize all of your capital....

The costs of surety bonds range widely depending on the type of surety bond, location, the industry, risk of the bond, and the amount of coverage needed, as well as other factors. If you are a business owner, understand when surety bonds are required and how the cost can vary. That way, you know what to expect when you apply. What Is a Surety Bond? A surety bond guarantees the work when contractors or businesses come into agreement about specific tasks and projects through a contract....

Ivy league schools—all eight of which are private nonprofit institutions—tend to have an even higher price tag. Tuition at these eight elite academic institutions starts at $52,659 for the least expensive of them, which is Harvard, and only goes up from there. And that’s without the cost of room and board, books, fees, and other entities. If you do qualify for admission to an Ivy League school, the good news is that these colleges and universities tend to be especially generous with financial help....

Justifiable vs. Unjustifiable Reasons To Break a Lease Agreement Whether you can break a lease depends on why you are doing so. A tenancy agreement is a legally binding document between you and the landlord (property owner or property manager). By signing the lease, the tenant has agreed to live in the rental, and pay rent, for the duration of the contract. Whatever clauses or terms are included in that document, they are upheld by the law (renters and landlord laws), and you do have to follow them....

Starting a 401(k) in your 20s is one of the most powerful steps you can take to prepare yourself for retirement. That’s because the earlier you start, the longer you have for compound interest to work in your favor and grow your savings to a sizable balance. The estimated average 401(k) balance of Americans was $141,542 in 2021, according to the most recent data from Vanguard, one of the largest 401(k) administrators in the country....

The simple answer is to trade exactly as much as your proven strategy tells you to trade. Although, if you are wondering about over- or undertrading, you may not yet have a proven strategy. Before you can decide how much to trade, you need to develop a strategy that will help you determine how active to be. Strategy Dictates Frequency A well-defined strategy tells you exactly when to enter, under what conditions, and when to get out for a profit or loss....

Why Get Pre-Approved? When you get pre-approved for an auto loan, you benefit in several ways. Learn what lenders are willing to offerGain negotiating powerAvoid last-minute surprises (which often come after you’ve spent time and energy, and possibly made a decision that you don’t want to change)Keep your options open—there’s no obligation to use a lender that pre-approves you—while getting valuable information How Much Can You Afford? You don’t want to fall in love with an auto that will ruin your finances....

Skype, an online phone and video service that’s been around for many years, is one option for long-distance or even international video interviews. What’s the best way to ace a Skype interview? Here’s what you need to know for a successful interview via Skype, including how to prepare, tips for getting your technology set up, what to wear, and how to make the best impression during the interview. Benefits of Using Skype for Interviews Sometimes, companies use Skype for first-round interviews (similar to a phone interview)....

When you hear questions like these the interviewer wants to know how you might handle stressful situations at work. The real meaning of the word “angry” to an interviewer is a loss of control, and it’s important to know that you can handle difficult situations while remaining professional. In your response, you should share a moment when you felt angry at work, but make sure the experience, and your reaction to it, does not reflect poorly upon you....

The problem with overspending, particularly with credit cards, is that it leads to big balances that can hurt your credit score, make it harder and more expensive to pay off your balance, and get you into debt. After overspending, you have to face the reality of what you spent and adjust your spending to make up for your accidental indulgence. The good news is you have complete control over your credit card spending and with some guidance, you can avoid overspending....

What Is a Professional Network? A professional network is a group of people who have connected with one another for career or business-related reasons. Members, who are called contacts or connections, can share information which may include, but is not limited to, job leads. They may also help one another solve work-related problems, recommend vendors and suppliers, and provide information about prospective employers, employees, and clients. How Can Networking Help With Career Advancement?...

When purchasing a car, it is nice to know how to calculate your car loan payment. Calculating total and monthly costs allows you to budget accordingly and figure out the total price of the car—not just the sticker price. The math involved can be overwhelming if you do not use math often, but finding a good car loan calculator and having the right information handy can save you a lot of time....

Before you hire movers and start house or apartment hunting, it’s important to take time to consider relocation costs. Here’s how to make sure you’re financially prepared for a move. Start With a Relocation Costs Budget A budget is essential for managing your day-to-day expenses. And you can apply the same concept when a move is in the cards. Start by dividing relocation costs into two broad categories: all the costs associated with moving, and the cost of living once you’ve settled into your new place....

You’ll get access to a FICO or VantageScore from at least one of the three major credit bureaus. Since these services are free, you can sign up for more than one to get a view of your credit score across all credit bureaus. Credit Cards Offering Free Credit Scores American Express American Express primary cardholders can access an Experian FICO 8 credit score, as long as there was enough account activity in the month to receive a billing statement....