The one that is most appropriate for you will depend upon your work history (are you an entry-level candidate or a seasoned professional?), your career field, possibly your geographical location (do you want a local job or are you willing to relocate?), your flexibility (are you able to accept a part-time or a temp-to-hire position?) and your skillset. Traditional Employment Agency A traditional employment agency assists job seekers in finding work, as well as helping companies to hire staff....

Learn more about the downsides of living without a credit card, along with alternatives to remaining card-free. Not Having a Credit History or Credit Score To have a credit score, you must have at least one account that’s been open and active for at least six months. Credit cards are often the way people start building their credit history, and if you’ve never had any, there’s a chance you may not have a credit score....

Before you jump at the opportunity, consider the pros and cons of doing a balance transfer. It may not be as cut and dry as you assume. Here’s an overview of the pros and cons of balance transfers. We’ll go into more detail about each below. Pros of a Balance Transfer Let’s look at a few of the benefits of taking a balance transfer offer. You can take advantage of a lower credit card interest rate....

The average rate offered to homebuyers using a conventional 30-year fixed mortgage—the most popular type of home loan—rose to 3.95% from 3.93% the previous business day, hitting a fresh high since 2020. (Our daily mortgage rate data goes back to April 2021, but our data on yearly highs and lows dates back to 2020, so we know it was higher in March 2020, when it hit 4.71%.) The average for a 15-year fixed mortgage was unchanged at 3....

The average rate offered for a conventional 30-year fixed mortgage climbed to 5.61% from 5.43% the previous business day, while the average 15-year rate shot up to 4.72% from 4.49% the previous business day. Rates have leveled off some since spiking in April to as high as 6.19% and 5.26%, respectively—the highest levels we’d seen since at least 2019 (and likely much farther back.) Even with the most recent jumps, both are still a good half percentage point below those April peaks....

The average rate offered to homebuyers using a conventional 30-year fixed mortgage rose to 4.51% from 4.47% the previous business day, while the average for a 15-year fixed mortgage inched up to 3.59% from 3.58% the previous business day. Both are at their highest points since 2020, when the 30-year got as high as 4.71% and the 15-year reached 3.99%. Fixed mortgage rates tend to track the direction of 10-year Treasury yields, which usually rise with heightened inflation fears (and fall when those fears subside)....

The average rate offered for a conventional 30-year fixed mortgage fell to 5.67% from 5.71% the previous business day. Last month it reached 6.19%, its highest point since at least 2019, and likely much farther back. (Our daily mortgage rate data only goes back to April 2021, but our data on yearly highs and lows dates back to 2020, so we know rates weren’t higher in 2020, and if other measures are any indicator, may have hit their highest point in over a decade....

One of the biggest online aids comes in the form of calculators that can inform many of the most common personal finance questions, like whether you should save money or pay off debt and whether you’ll have enough money to retire. Not only will this calculator provide your current net worth figure, it will break it down for you in terms of pie charts and bar graphs by assets and liabilities....

Why Volunteer? Volunteer service doesn’t just help you give back to the community and become a part of something bigger, it can also help graduate students develop skills and contacts that can serve them well in their ultimate career. You can gain exposure to a specific subject area while also practicing skills such as leadership, teamwork, and critical thinking. Volunteer opportunities come in many forms with key differences in costs and benefits....

What’s the Difference Between SPX and SPY Options? It is important to be alert when trading ITM calls because most calls are exercised for the dividend on expiration Friday. Therefore, if you own these options, you cannot afford to lose the dividend. The ex-dividend day for SPY is the third Friday of March, June, September, and December. If that day doesn’t fall on a business day, it is pushed to the next business day....

Travel Insurance Basics Traveling always involves risks — such as the risk of getting sick or having an accident, losing or having your valuables stolen, missed flights and even the loss of life in extreme cases. Travel insurance can give you some peace of mind by helping to reduce your chance of financial loss related to these risks. There are five main types of travel insurance offered, although you can buy supplemental policies to provide coverage for specific concerns such as identity theft....

This article will look at how Tron came to be and whether it could make sense for your cryptocurrency trading or investing needs. Read on to learn more. What Is Tron (TRX)? Tron is a cryptocurrency and blockchain developed by the Tron Foundation. Tron software supports smart contracts and decentralized apps (known as ĐApps in the crypto community), which makes it a suitable platform for additional cryptocurrencies in addition to the Tron coin central to the blockchain’s operation....

U.S. Treasury Bonds The most important bonds are the U.S. Treasury bills, notes, and bonds issued by the Treasury Department. They are used to set the rates for all other long-term, fixed-rate bonds. The Treasury sells them at auction to fund the operations of the federal government. These bonds are also resold on the secondary market. They are the safest, since they are guaranteed by the United States government. That means they also offer the lowest return....

This article summarizes nine types of unemployment. In addition to the four listed above, it explains long-term, seasonal, and classical unemployment. It also explains the terms “real unemployment” and “underemployment.” What Is Unemployment? The Bureau of Labor Statistics (BLS) defines unemployment very specifically. To count as unemployed, out-of-work employees must have these three qualities: This last point is important and often controversial. If someone has stopped looking for work, the BLS no longer counts them as being part of the labor force or as unemployed....

Top U.S. Imports The largest U.S. import category is capital goods at $678 billion. Businesses import $131 billion in computers and related equipment. They also import $117 billion in telecommunications and semiconductors. The consumer goods category is almost as large at $654 billion. Most of this is pharmaceuticals ($149 billion) and cell phones/TVs ($132 billion). Next is apparel and footwear ($130 billion). U.S. manufacturers import $522 billion of industrial supplies. Of this, $191 billion is oil and petroleum products....

The number of people initiating claims for unemployment insurance rose for a third straight week, reflecting the economic impact of the fast-spreading delta variant and an unusual, one-time technical spike in California claims. First-time, seasonally adjusted claims rose to 362,000 in the week through Sept. 25, up 11,000 from the previous week, the Labor Department said Thursday. Economists had expected 328,298 claims, according to a consensus estimate cited by Moody’s Analytics....

Learn how to spot unfair claims settlement practices through examples, as well as how to file a complaint when you observe them and what penalties apply to insurers. What Is Unfair Claims Settlement? Unfair claims settlement is the improper handling of policyholder claims on the part of insurers that violates state laws on unfair claims settlement. Such laws are typically a variation of the National Association of Insurance Commissioners’ (NAIC) Unfair Claims Settlement Practices Act (UCSPA)....

While no one was expecting the economy to keep up the fourth-quarter pace (before the pandemic, quarterly growth had been under 3% for years), GDP is one barometer for the standard of living, so slower growth could mean people and businesses are worse off. Some economists think there’s a good chance that the U.S. will skid into a recession as soon as this year, in large part because the Federal Reserve plans to tackle soaring inflation by raising its benchmark interest rate, and in turn, borrowing costs, throughout the economy....

Excel can be used with as little or as much complexity as you prefer. Small business owners can do all their bookkeeping in Excel. Cash Basis Accounting in Excel Most small businesses use cash basis accounting. Start a new worksheet if this is your method of accounting and enter column headers for the date, transaction description, and a transaction number. Include column headers for income, expense, and account balance....

Potential for Vacancy and Credit Loss When an investor purchases a rental property, the goal is, of course, to keep it fully rented every day of every year. Of course, this isn’t a realistic expectation. No matter how much your tenants may love the home, at some point, they’re going to move out. The time between when they move out and the new tenant begins to pay rent is vacancy with lost rental income....