Come prepared with a full resume that includes details of each job you have had. Your resume should list the start and end dates of your employment, compensation, positions held, names and addresses of companies you’ve worked for, supervisor names, and other pertinent details. Before heading to a job interview, you should be ready to talk about your work history (ideally without needing to refer to your resume as you speak)....

What Are REITs? REITs own and often actively manage income-producing commercial real estate. Some REITs also invest in loans and other debt obligations secured with real estate collateral. Most large REITs in the U.S. are publicly traded entities on stock exchanges. REITs come with tax advantages that let them avoid corporate tax if they distribute 90% or more of their incomes to investors. But it’s worth noting that although they can avoid double taxation, their structure doesn’t mean that a REIT’s tax losses are passed on to investors for use as carry-forwards or to offset capital gains....

The IRS, though, has dealt with this dilemma many times before. It offers a few options and grace periods. How Soon Can You Pay? First, figure out how quickly you can pay off the tax debt. Paying it all at once will save you some money if you can come up with the cash. The IRS will continue to assess late payment penalties and interest up through the date you pay in full....

Choosing joint tenancy as a method of holding title on property deeds is typically selected in escrow or at the property’s closing without a lot of explanation. How Joint Tenancy Works Joint tenancy can be held by two or more people. Each person owns an equal share. Any of them can pass their share to an heir upon death. Four things must exist for a joint tenancy to be created....

The cost of physical therapy, though, can add up. You will often need more than one session, which can happen over many weeks or months. You’ll need to pay for each of these treatments. For example, the cost of a single session of physical therapy after rotator cuff surgery can range between $50 and $350. If your health plan covers the treatment, you may only need to pay the copay and coinsurance....

Raising children without a partnerCollaborating with a coparentBeing an active non-custodial parentDealing with legal issues, such as child support, custody, and visitationHanding your own finances as a single parentFinding the time to take care of yourself Jennifer has been an advocate for single parents since 2004, when she began teaching parenting classes through a program called “PEACH” in Hunterdon County, NJ. In that capacity, Jennifer had the opportunity to support many single moms and dads who were referred to her classes through the family court system....

Correct formatting is especially important if you’re sending a hard copy to the recipient rather than an email, because the letter needs to fit the page, be clear and concise, be easy to read, and look professional. Review information on what you need to include when writing a professional letter, examples, and advice on the appropriate font, salutation, spacing, closing, and signature for business correspondence. What To Include in a Formal Letter Formal correspondence should include the details of why you’re writing, your contact information so the recipient can follow up, a greeting and closing, and your signature....

Since gas is extracted from crude oil through a process called refining, and crude accounts for more than half the cost of gas, the oil market remains a major factor in high gas prices. But at around $112 a barrel Tuesday, the price of crude is well below its recent high of roughly $130 in early March, which followed economic sanctions against Russia—the world’s third-largest oil producer—for its invasion of Ukraine....

To qualify for Medicaid you have to be at or below a certain income level and can’t have assets below a certain monetary value. These thresholds vary widely from state to state but generally speaking, you can have no more than $2,000 in countable assets if you’re single and $3,000 if you’re married. If you’re above the limits, that doesn’t mean you don’t qualify—you might just have to spend down some of your assets each month....

What Is Net Present Value (NPV)? Net present value is one of many capital budgeting methods used to evaluate potential physical asset projects in which a company might want to invest. Usually, these capital investment projects are large in terms of scope and money, such as purchasing an expensive set of assembly-line equipment or constructing a new building. Net present value uses discounted cash flows in the analysis, which makes the net present value more precise than of any of the capital budgeting methods as it considers both the risk and time variables....

Here’s a quick look at the most significant economic indicators of the day and what they tell us. New Home Construction In May, construction of new homes was 14.4% lower than in April, as builders continued to lose confidence in the housing market. Construction on nearly 1.55 million homes began in May, according to the Census Bureau, compared with 1.8 million in April. Meanwhile, construction on 1.47 million homes was completed in May, 9....

Do Out of State Tickets Affect Your Record? For the most part, when you get a traffic ticket in another state, that state will report it to the state where you reside and it will likely show up on your record, thanks to the Driver License Compact (DLC). It’s an agreement between 46 states and the District of Columbia to exchange information about the driving history of individuals, including traffic violations and license suspensions....

Fortunately, help is available. Millions of dollars in college financial aid and scholarships exist. You just need to know where to look and apply for them properly. Here are four things for parents to do to come out a winner in the college financial aid game. Fill Out the FAFSA The Free Application for Federal Student Aid (FAFSA) is your key to unlocking federal grants, loans and work-study funds. Many states and colleges also use the FAFSA to determine your eligibility for state and school aid....

Leaving Assets in a Restricted Account If the amount that you are leaving to the minor is not significant, then the easiest thing to do is to direct that the minor’s inheritance is held in a restricted account for the benefit of the minor until they become an adult. Restricted accounts include those established under an applicable state Uniform Transfers to Minor Act (or UTMA account) or a Uniform Gifts to Minors Act (or UGMA account)....

How about this? Dropping your auto insurance. The problem is, though, that driving without car insurance in Florida can end up costing you a lot more than your monthly insurance bill. In fact, the penalties for driving without insurance in Florida are—you guessed it— quite expensive. Florida Insurance Requirements Florida is a “no-fault” insurance state. Under both its Financial Responsibility and No-Fault laws, vehicle owners are required to carry the minimum amounts of $10,000 for property damage liability (PDL) and $10,000 for personal injury protection (PIP)....

Wilson oversaw America’s entrance into World War I. His “14 Points” laid the groundwork for the Treaty of Versailles. Wilson argued vehemently for the League of Nations to protect the world from another horrific war. Wilson believed in free trade and a nation’s right to self-governance. Wilson received a Nobel Prize for his efforts to promote peace. Wilson created the Federal Reserve and the Federal Trade Commission. He was one of seven Democratic presidents during the 20th century....

Fortunately, if you’ve served in the U.S. military, you may qualify for a property tax exemption. Requirements vary by state, and you may be eligible for a larger exemption if you have disabilities. Let’s take a look at property tax exemptions in general, how they work for veterans, and what exemptions are available in each state. What Is a Property Tax Exemption? Property tax is an annual tax on real property based on the assessed market value of your land and buildings....

Subleasing has advantages and disadvantages for landlords, tenants, and subtenants. Here are some things you should know before you decide to move forward. What Is a Sublease? A sublease is a lease between a tenant who already has a lease and a new occupant. The contract may apply to all of the property leased to the tenant or only a portion of it. When a sublease is signed, the existing tenant becomes the sublandlord and the new tenant becomes the sublessee....

It can be challenging to know whether you should keep applying for more jobs or wait until you get a definitive answer about the position in question. When you’re in that zone where you don’t have a clue about what’s going on with a potential position, it may be best to keep your job search moving forward until you have a firm job offer. Things can change quickly, and until you have a formal agreement to start working, it’s not a done deal....

But most balance transfer credit cards are only available to consumers with good or excellent credit, meaning a FICO score of 670 or above. People with FICO scores higher than 740 have the best shot at approval, according to FICO. If you were rejected for a balance transfer credit card, consider these steps to help you pay down debt and turn your situation around. Stop Using Credit Cards As you hatch a plan to pay off your debts, do your best to avoid using credit cards for regular spending....