Picking a travel credit card can be a smart move if you want to save money and travel in comfort, but you should do the legwork to find the right card for your needs. There are many types of travel credit cards to suit different rewards styles and personal preferences, and some cards are considerably more flexible than others. Here are the main card types you’ll run into: Flexible travel credit cards: Lets you redeem points or miles with a wide variety of airlines and hotels or transfer your points to a loyalty program you may already haveHotel credit cards: Lets you earn points within a hotel loyalty programAirline credit cards: Lets you earn miles with specific airlines and their partners...

You can take certain retirement planning steps to help you plan as accurately as possible. Run Best- and Worst-Case Examples Certain factors such as your rate of return on investments, your life expectancy, inflation, and your willingness to spend your principal will all have a giant impact on the amount of money you’ll need to retire. Develop best-case and worst-case examples to show the impact of these factors. The answers can be arrived at using spreadsheets and retirement planning software....

Can You File a Tax Return for a Parent? You can file a tax return for one of your parents if they have given you IRS power of attorney by filling out Form 2848 or if you are their conservator. When a parent decides to give you IRS power of attorney, they can limit what you are allowed to do. For example, they may only permit you to sign and file the return, but not do anything else they would normally do....

A career coach will work with you to help with immediate needs like writing a resume or cover letter and finding a job. They may also provide guidance on longer-term plans for your career, including planning for a transition to a new career or phasing into retirement. What Is a Career Counselor? A career counselor is a professional who helps clients to plan their careers and achieve their employment goals....

One option is attending networking events. They’re designed to help people form connections. The trick is, first you have to find the right events. Get tips on how to find networking events, as well as how to make the most of them. 5 Ways to Find Networking Events 1. Talk to Friends and Colleagues Never underestimate the power of word of mouth! Colleagues will often know industry-focused networking events. Friends who do not work in your industry can share how they find events....

Franchise agreements require franchisees to pay certain costs, like advertising fees, a franchise fee, and royalties. While such costs might seem daunting, financing for franchises is available through commercial lenders, franchise financing companies, and the U.S. Small Business Administration (SBA). Some franchisors also offer special arrangements, such as waiving franchising fees for a specific period, to help fledgling franchisees get started. How Much Can I Borrow for a Franchise? The loan limits of commercial loans can vary by lender....

Whether you’re moving on to a new position, leaving your job to return to school, or embarking on a whole new career, there are things you must do when you resign. Plan to write a polite resignation letter, give two weeks’ notice and be sure to thank your team for the opportunities they’ve given you. You want to quit. So, take a deep breath and plan ahead. Here’s what you should (and shouldn’t) do when resigning from your job....

In other words, you’d become a landlord before you get to move into your new home. What? Why would a seller want to do this? Do you have to agree? Why a Seller Might Want to Rent-Back A seller might want to rent-back after closing for various reasons and this type of request isn’t uncommon. Presumably, the seller is buying a new home of their own. Maybe it’s not available yet at the time your transaction closes....

The Basic Rule of Retiree Investing One of the basic rules that retirees have heard for decades is to ratchet back risk as they age. Going into retirement, a retiree’s portfolio is supposed to be heavy in bonds and certain types of mutual funds because they’re less risky than stocks. But this way of thinking has changed over the past couple of decades for three reasons. Firstly, 401(k)s have made it harder to save enough....

What’s a small business owner looking for top quality employees to do? Here are some tips for recruiting staff that will increase your chances of attracting (and retaining) the people you need. How to Recruit Employees for Small Business 1. Find out what the going rate is for the position and match it. One common mistake small businesses make when creating a position is to base the salary on their budget rather than the market realities....

Businesses can also benefit from having temporary workers. They may need to fill a spot quickly if they experience an unexpected loss of an employee, or need more employees during busier seasons. Some employers hire on a temporary basis with the option of making temp or contract workers permanent employees in the future. However, you may decide it’s time to move on. The job, even though it’s temporary, might not be a good fit, or you may have secured permanent employment....

When you hear this query, you may groan inside, since it can feel like you’ve covered absolutely everything during the course of the interview. Even though coming up with questions can be tricky, it’s always better to respond with a question than to politely decline. Otherwise, you could leave interviewers with the impression that you’re not engaged with the conversation, or that you’re not interested enough in the position to jump at the opportunity to learn more....

It takes some careful planning and thought, but you can retire without savings. While you likely won’t be living in the lap of luxury, you may still be able to afford a decent lifestyle. The key to retiring without saving money is to use some clever skills you should start learning now. Rely on Social Security Income If your work record qualifies you for Social Security Administration (SSA) payments, you may be able to rely on that income to cover your costs when you’re no longer working....

Think of this as an amped-up, in-person version of the same work you did on the job application to obtain an interview. But you’ll need to do more than check off the boxes on your interviewer’s list—you want the person you speak with to feel excited about making an offer. That means selling yourself to interviewers, to make it clear that you’re a strong candidate. Sound overwhelming? Here’s how to get started....

Any business with several owners is going to be more complicated than a one-person business, but by following these seven steps you can make the process quicker and easier for you and your partner or partners. What a Partnership Means A partnership is a business organization with two or more persons as owners. Partnerships are governed by state laws, and a new partnership is registered with the state where it will be doing business....

Nonverbal communication ranges from facial expression to body language. Gestures, signs, and use of space are also important in understanding nonverbal communication. Multicultural differences in body language, facial expression, use of space, and especially, gestures, are enormous and open to misinterpretation. So, heed the need to become culturally sensitive before making an interpretation of body language that might or might not inform you of what the individual actually thinks. This also applies to other nonverbal interpretation of a coworker’s thinking or meaning....

Legal Actions Landlords Can Take There are some things you can do as a landlord: Declining to rent to someone due to poor credit or references is acceptable, but speak to a lawyer before declining for any other reason.Increasing the rent is fine, but only at certain times and within certain percentages, so check your state’s code to make sure you’re within those boundaries.You can deduct from security deposits for damage done by the tenant, but not for reasonable wear and tear....

The term “liquid asset” is most often used when talking about investments in a stock market. Liquid assets are those that have a ready pool of buyers willing to pay the market price. In contrast, illiquid assets are those with few buyers. With an illiquid asset, the owner may have to wait a while to find a buyer willing to purchase the asset. Many penny stocks, for instance, are illiquid assets because they are not as quickly bought or sold as higher valued stocks....

What Are Life Skills? Any skill that is useful in your life can be considered a life skill. Life skills vary by culture and by a person’s age. A mature adult is expected to have stronger life skills than a younger person. However, there are certain life skills that almost every employer looks for when hiring new employees. Companies look for job candidates who can handle common challenges that arise at work, and life skills help employees do just that....

What the Interviewer Wants to Know Interviewers are looking to figure out if your background is a good match for the role at hand. Questions about your skills and work history will help reveal that, and will also give them a sense of how well you know yourself. To convince the interviewer you are the best fit for the role, you’ll also need a solid strategy. Over the course of the interview, the interviewer will be paying close attention to the following things:...