While buying is usually a simple transaction, leasing can be a bit more complex. Therefore, it’s important to understand some key differences between the two, how vehicle leasing works, and steps to do so. Should You Buy or Lease? When you buy a car, you pay a significant down payment—and then you own a deductible asset. When you lease a car, however, you put down no money at all, pay a monthly fee, and are not considered an owner....
Once you have earned your GED, you can list it in the education section of your resume, and include it on job applications in place of a high school diploma. What Is the GED? The GED consists of a series of tests for individuals who have not graduated from high school. The tests measure proficiency in science, mathematics, social studies, and reading through language arts at the high school level....
Don’t hide your internship experiences at the bottom of your resume. Instead, highlight your internship experiences, and detail how they have prepared you for the job you want. Here’s how and where to put an internship on a resume, what to list, and examples of resumes that include internships. When to Include Internships on Your Resume You should include an internship on your resume when the internship is relevant to the job you are applying for....
Learning more about how to lower a mortgage payment without refinancing can help you choose the best strategy for your situation. When You Might Not Want To Refinance Although refinancing is one of the most common ways to significantly lower your mortgage payment, it’s not always the right solution. For example, refinancing might not be a good idea if: You don’t think you’ll meet the qualifications. Refinancing involves a thorough loan-application process, and borrowers must meet stringent credit and income standards....
In many ways, a behavioral interview resembles other types of job interviews. There isn’t a difference in the actual format of the job interview. You will still meet with an interviewer and respond to interview questions. The difference is in the type of interview questions that they will ask you. The interviewer will want to learn how you have handled work-related situations. Review information on the difference between behavioral and traditional job interviews, examples of questions, and how to handle a behavioral interview....
We all know that banks check credit scores before they give you a credit card or a loan. If you’re getting new utilities turned on in your name, the company will check your credit to decide whether you should pay a security deposit. And while some states are banning the use of credit scores in certain practices, having good credit is always an important goal to which to aspire....
If you pay your rent on time each month, you could stand to gain from rent payment reporting, especially since 35% of your credit score is based on your payment history. If you’re looking for a way to boost your credit score or just want credit for making your rent payments on time, there are some options for reporting rent payments to the credit bureaus. Check With Your Landlord Your landlord already may report rent payments to the credit bureaus using a service that handles the process....
What does a credit check tell you? The information in a credit check will vary based on the agency you use and how in depth of a report you pay for, but can include: Identifying Information: Confirmation of name, current and past addresses, date of birth, known employers, name of spouse, and Social Security number.Credit History: Lists bank accounts, credit card accounts and any loans (mortgage, student, etc.) It also lists how long the account has been open, the payment pattern over the last two years, the loan amount or credit card limit, and if there are any co-signers....
Establish Customer Payment Methods How people pay you will depend primarily on the type of business you have and whether your customers are individuals or companies or both. Also, if your company is an online-only store, you will receive payment differently than a corner, brick-and-mortar storefront will. The more different types of payment methods you accept, the more helpful it will be for customers. There are some established ways to take in money from customers:...
One solution to keep informed of important stock price changes, both of stocks in your portfolio or ones you’d like to buy, is to set up stock price alerts from your brokerage or trading app. Get the basics on how to use stock price alerts in your trading strategy. Learn about some common types of alerts you can set up, how to receive these notifications, and how you can use stock alerts to make investment decisions....
The Pet Industry According to the American Pet Products Association, pet expenditures in the U.S. totaled slightly over $72.5 billion in 2018, up from $48 billion in 2010, an increase of 51% in eight years. This includes: Food: $30.32 billion Supplies/OTC Medicine: $16.01 billionVet Care: $18.11 billionLive animal purchases: $2.01 billionPet Services: grooming & boarding: $6.11 billion These figures reflect the increasing humanization of pets, a trend that is showing no signs of waning....
If you recently encountered a tree smashing your car, you are probably wondering whether your insurance will cover the damages. If you have your state’s minimum coverage, you are probably out of luck. Liability insurance will not cover an “act of God,” as it is known, or in this case, an act of a tree. The only way your car insurance will cover a tree that has fallen on your car is by purchasing comprehensive insurance coverage before the damage occurs....
Keep in mind that Insure.com accepts advertising from insurance companies, so users should not expect the information they receive to be 100% objective. However, that does not discount the usefulness of the site. Company Background Insure.com is owned by QuinStreet Inc. and originally was organized in 1984 as Quotesmith Corporation. Quinstreet Inc. was founded in 1999 by Doug Valenti and is headquartered in Foster City, Calif. As of 2021, the company employed around 600 people nationwide with more than $500 million in revenue....
The best way to prepare for these types of questions is to have examples ready to share with the interviewer. You’ll be able to show the hiring manager how you successfully handled challenges at work. What the Interviewer Wants to Know Employers ask these questions in job and promotion interviews simply because they want to see that when you face a difficult decision or situation you’re able to handle it....
The global renewable energy industry was valued at $881.7 billion in 2020. It’s forecast to reach $1,977.6 billion by 2030, demonstrating a compound annual growth rate of 8.4% from 2021 through 2030. Let’s take a look at how you can capitalize on these trends and invest in the global renewable energy industry. Regulation Moves Forward The need for alternative energies is becoming apparent. Carbon dioxide levels have been rising since the Industrial Revolution....
Foreign Earned Income and Housing Exclusions Many Americans who live and work abroad qualify for the foreign earned income exclusion, which provides that the first $112,000 of foreign wages or self-employed income is excluded from U.S. federal income taxes as of the 2022 tax year ($120,000 in 2023). This threshold is indexed for inflation, so it can increase periodically to keep pace with the economic climate. People working abroad might also be eligible for the foreign housing exclusion, allowing them to deduct certain housing expenses from their gross incomes....
Third-party transactions are those in which another entity exists between the buyer and the seller. Most are network (online) transactions, and the third party is referred to as a payment settlement entity (PSE). What Is IRS Form 1099-K? The IRS requires a payment settlement entity to report payments made to merchants so the payment income can be verified. The IRS has indicated that third-party information reporting has increased tax compliance and has improved collections and assessments within IRS, thereby reduce the tax gap....
There are some benefits to reverse mortgages, but there also are some significant downsides to keep in mind. While they might not be a ripoff, reverse mortgages are not for everyone. Pros and Cons of a Reverse Mortgage Pros Explained You can keep living in your home while you have the mortgage: If you want to sell your home to get equity out of it, that usually means you can’t live in it anymore unless you rent from the new owners....
However, you need to make sure you are ready to start investing in real estate. For one, you will need to put down a significant amount of money up front to begin real estate investing. Buying a home, apartment complex, or piece of land can be expensive. That’s not to mention the ongoing maintenance costs you’ll be responsible for, as well as the potential for income gaps if you are between tenants for a time....
If you are determined to graduate debt-free, it may take you a bit longer to graduate, since you may be working full time and taking only a few classes a semester. And if you decide to attend school full-time, you may accumulate more in student loans, since you won’t be working full-time. Consider the following as you decide whether it’s better to graduate college more quickly or graduate with less debt....
