Here is what a heartfelt resignation letter should include with a sample, as well as an example letter noting regret at leaving. How to Write a Heartfelt Resignation Letter Most people are bad fibbers, but good at sensing when others aren’t being genuine. Don’t spoil the opportunity to leave on good terms with your soon-to-be former employer by lying. It’s not a good idea to pretend that your neglectful boss was a helpful mentor....

In a low-interest-rate environment, the cost of financing stockpiles is lower than when interest rates are high. Think about a business that manufactures a product that requires metals, minerals or energy. It is a lot cheaper to store long-term requirements of the goods needed in manufacturing when the cost of money is low. The “cost of carry” is a term that commodity consumers (and producers) use to describe the costs associated with holding inventories for a period....

A home insurance policy doesn’t cover every possible mishap that could befall your household, however. If your neighborhood is hit by certain types of natural disasters and your home suffers structural damage, your insurance carrier likely won’t cover the loss. Here are six things a homeowner’s insurance policy typically doesn’t cover. Floods If your home suffers damage from a flood, your standard homeowner’s insurance policy won’t cover the damage. You’ll need a separate flood insurance policy....

A lower interest rate makes it less expensive to take out a loan or use a credit card, because there’s less interest added to your monthly payment. Lower interest rates are highly sought after because you pay less money to whoever has loaned you money. Interest rates on credit cards and loans aren’t set arbitrarily. Banks use your credit score to help them set your interest rates. Credit Score vs....

Bonds affect the economy, and the economy affects bonds. Here’s how they are related as well as how they impact each other. How Economic Growth Works Economic growth occurs when a country increases its rate of economic output, which is known as “gross domestic product” (GDP). GDP is the most commonly used measure of an economy’s performance. A positive change in GDP means economic growth; a negative change means shrinkage....

Sincerely, Budgeting in Brooklyn Dear Budgeting, Congratulations on starting to think about investing. You don’t say your age, but in theory, you could make investments at any age, and I’m of the belief that it’s never too early to start. If you are under 18, however, you won’t be able to own any investments outright and will have to invest under the supervision of a parent or guardian through a custodial account....

How Much Buying in Bulk Saves You While the amount you save depends on the item, research has shown that buying in bulk saves money. When looking at the average across all grocery product categories, a 10% larger package translates to a 5% decrease in the unit price. The number one thing to keep in mind when buying bulk is that it’s not the price of the item, it’s the price per unit (or ounce) that matters....

People might not realize that tow services can include more than transporting a vehicle from one place to another. The fees charged can vary, depending on your circumstances, what services you need, where you live, and the towing company. However, there is enough consistency from one towing company to the next to get a general sense of how much a tow will cost you. Why Would I Need to Be Towed?...

While the changes may be a little concerning, especially if you’re considering applying for a mortgage or car loan soon, they’re completely normal. How Often Does Your Credit Score Change? Your credit score isn’t updated on any regular basis or on any specific day of the month. In fact, it could change as often as daily, depending on how often your credit report is updated. Remember, your credit score is a numerical summary of the information in your credit report, which is essentially a compilation of your credit accounts with various businesses....

Why Probate Can Be Necessary Probate is the legal process of transferring ownership of assets from a deceased individual’s name into the names of beneficiaries. It also ensures that creditors can make claims for payment from the decedent’s estate, and that final tax returns are filed, including an estate tax return if the estate is large enough. All this can take some time and there’s some expense involved, so many people plan their estates to try to avoid probate to the greatest extent possible....

When answering this question, you want to be honest about your availability, but also emphasize that you are flexible. Your flexibility will be an asset when the company is deciding who to hire. What the Interviewer Wants to Know Especially for jobs that require a non-traditional schedule, employers look for applicants that will have the availability they need. The interviewer will want to know what days and hours you are available to work and how flexible you are around those days and hours....

Some lenders allow you to apply for a credit card using an Individual Taxpayer Identification Number (ITIN) or other documentation. But obtaining an ITIN does not necessarily mean you’ll get approved. Lenders also evaluate your creditworthiness. Here’s how to apply for a credit card without a Social Security number. Alternatives to a Social Security Number Lenders need a way to verify your identity and track your credit history. To do so, they often use your SSN, but they can use other methods if you don’t have one....

The last thing you want is to arrive at your destination and realize you’re out of money. That’s why it’s important to make a travel budget that includes everything from rental car costs to seat selection fees. As part of “Our Money’s on Travel”—our series on getting back to travel—we’re taking a look at how to budget for a trip, whether it’s the big costs or the small, plus a few travel hacks to help you save money along the way....

Seeing those pending transactions can be a bit of a shock, especially if you weren’t expecting them. Learn more about pending transactions, how to cancel one, and how to dispute a posted transaction once it’s finalized. What Is a Pending Transaction? Whenever you swipe your debit or credit card, the merchant issues a charge to your card. This charge then goes through a process that cycles among payment networks, your bank, and the merchant itself....

We’ll discuss in detail what a business debt schedule is, what types of debt should be included, illustrate what a debt schedule looks like, and answer some common questions about them. What Is a Business Debt Schedule? A business debt schedule is a chart that details the long-term debts or long-term liabilities currently being paid off by a business. Some business advisors suggest listing the debts with the nearest-term due dates at the top of the list....

Find out how business brokerage accounts work, how to open one, and how to start making investments with your business’s profit. What Are Business Brokerage Accounts? A business brokerage account (sometimes called an “entity account”) is an account held in your business’s name that allows your business to buy and sell investments such as stocks, bonds, mutual funds, and ETFs. All of these types of investments have the potential to grow faster than money held in a typical business bank account, though like all investments, they could also decrease in value....

How much interest is prepaid will determine when you want your first regular payment to begin. Many borrowers prefer to make a mortgage payment on the first of every month. Some prefer the 15th. Sometimes, lenders will choose that payment date for you, so if you have a preference, ask. Mortgage Interest Is Paid in Arrears In the United States, interest is paid in arrears. Your principal and interest payment will pay the interest for the 30 days immediately preceding your payment’s due date....

Guido Mieth / Getty Images In this article, you’ll learn how to prepare business taxes, what forms you can file online, and details regarding business tax e-filing and payments. Don’t Neglect Your Business Taxes If you’re a business owner, you have numerous responsibilities. Among your top priorities should be filing your business taxes accurately and on time. If your business owes back taxes, don’t ignore the problem. You can get guidance from a tax professional who can help you create a plan for paying your tax bill....

Before visiting your local dealer or checking the want ads, spend some time determining just how much you can realistically afford to pay. This process should involve exploring the best ways to finance your motorcycle. Financing a Motorcycle Is Similar to Financing a Car There are some differences between financing a car and a motorcycle, but there are more similarities than differences. This shouldn’t come as a surprise—in both cases, you are buying a vehicle to get you around....

Some plans might work better for you than others, depending on the type of orthodontic care or services you’re looking for. Learn more about dental insurance and orthodontics coverage. Orthodontics Insurance Coverage Orthodontic insurance can provide many benefits aside from braces to align your teeth. Many adults turn to orthodontics to correct problems that come up later in life. Some adults might get braces or a retainer to align their teeth....