U.S. CVs are credential-based, using functional categories to list one’s education, publications, honors and awards, research experience, training, and professional appointments. International CVs, though, are structured more like resumes, with a few important differences. International Curriculum Vitae Requirements Depending upon the country to which you’re applying, you may be required to provide personal information. In the U.S. it’s illegal for employers to solicit certain information because of age discrimination and other EEOC employment laws....

But research shows that only 59.5% of Black students and 53.3% of Latinx students participate in internships, compared to 68.2% of White students. That’s a problem not only for students but also for their prospective employers. Diverse companies are more successful companies. According to analysis from McKinsey, employers in the top quartile for ethnic and cultural diversity are up to 36% more likely to outperform their peers on profitability. Still, many companies struggle with inclusion, relying on hiring practices such as referrals, which tend to give advantages to White candidates over those who are Black, Indigenous, or people of color (BIPOC)....

This beginner’s guide will help you get started in the world of dividend investing. What Are Dividends? Companies that earn profit can either give all or some of that profit out to shareholders. They can also: Reinvest some of it in the business for growth. Acquire other companies for expansion. Invest in startups with novel ideas and products via their corporate venture arm. Use it for debt reduction. Allocate it to share repurchases....

What Are Productive Assets? Most of the time, it’s best to invest in productive assets, which generate money from some sort of activity. For instance, if you acquire a painting, you haven’t bought a productive asset. Forty years from now, you’ll still own only the painting, which may or may not be worth more money. On the other hand, if you buy an apartment building, in 40 years you’ll not only have the building, whose value may have gone up; you’ll also have gotten 40 years of rental income from it....

For some investors, the added risk is completely worthwhile for the potential added returns. However, others may want to shy away from these riskier assets. Keep reading to learn more about investing in junk bonds and their pros and cons. What Are Junk Bonds? Junk bonds, or “high-yield” bonds, carry a higher risk of default than investment-grade corporate bonds. Junk bonds are easy to spot when you review lists of potential bond investments, as they earn credit ratings of BB or below from ratings agencies such as Standard & Poor’s (S&P) or Fitch or a rating of Ba or below from Moody’s....

However, it seems like startup investing is reserved for wealthy venture capitalists, not your average working-class citizen. Fortunately, startup investing by average investors became easier in 2012 with the passage of the Jumpstart Our Business Startups Act (JOBS), which relaxed some federal securities regulations and made it easier for businesses to seek investments through crowdfunding. The Securities Exchange Commission also voted in 2016 to adopt rules that made crowdfunding more possible....

That means if you made less money in 2020 than in 2019 and recently filed your tax return, you should check your bank balance. The IRS has now distributed about $18.5 billion through more than 9 million of these supplemental stimulus payments, the agency said Wednesday. The payments are going to people whose March stimulus checks were based on outdated tax return information that has since been updated. For instance, you might qualify for a bigger check if you earned less money or had a baby in 2020....

In addition to health problems, long weeks can take a toll on your productivity. One of the most common issues that arise from overwork is job burnout. And at a time when you need to be putting all your energy into your work, burnout can make it feel impossible to chip away at your to-do list. You may not have another choice. You either put in the time your boss expects or lose your job....

With a real estate line of credit, you can often apply for and receive the cash and credit you desire within a very short period of time. And thanks to the competitive nature of today’s financial world, banks, and other institutions are offering deals to get you through the doors. In fact, some institutions are promoting the fact that they can finance a real estate deal in a matter of days after you apply for the money....

Location, Location, Location When thinking of buying your own building to house your business, remember that location is just as important when buying commercial space as it is when leasing. If your customer base is primarily in a particular part of town, you will likely need to continue operating close to your current location. A different location may not appeal to your customers. And if the market is tight, it may be difficult to find space to purchase in the same area....

Two common types of limited liability companies are sole proprietorships and partnerships. LLCs have some tax benefits, such as allowing pass-through taxation and management flexibility. Every state in the United States and the District of Columbia allow for the formation of limited liability companies. A limited liability company may be called a limited liability corporation, which is incorrect terminology. The correct terminology is “company,” not “corporation.” Organization of the Limited Liability Company Limited liability companies are common for a small business with a single owner....

Learn about the details of what makes a limited partnership and find out how it compares to other types of partnerships in business. What Is a Limited Partnership? General partners own and operate a business, while limited partners invest in the business but do not make operational decisions or carry any personal liability for company debt. One or more of each type of partner can come together to create a limited liability partnership....

PayPal co-founder Peter Thiel in 1999 invested $2,000 in the company, a sum that grew over 20 years into $5 billion. The kicker, according to a ProPublica report published in June, is that because the investment was in a Roth IRA, Thiel, 53, will be able to withdraw that investment completely tax-free once he turns 59½. Thiel was capitalizing on an investment vehicle authorized by Congress in 1997 to let people contribute to retirement savings with after-tax money and grow the money tax-free, which is the opposite of the traditional IRA lawmakers established in 1974....

The market cap represents the amount you would pay to buy up all of the company’s shares, not necessarily its true value. The size of a business’s market cap determines the broad category of publicly traded company it falls under—small-cap, mid-cap, or large-cap. Learn what market cap can tell you about a company and why you should use it when evaluating one. What Is Market Cap? Market cap is the number of outstanding shares multiplied by the current share price....

In 1965, an amendment to the Social Security Act established Medicare and Medicaid, two government-run health programs. Their names may sound the same and may lead some people to be confused about what each program covers. Adding to the questions people have about these programs is that, in some cases, people may be able to sign up for both. Both plans offer a few coverage options. This can make learning about them even more complex, but knowing how these programs work and differ can save you money on your health care costs....

Money market funds often pay a monthly dividend, but some alternatives exist. Money market funds are a popular and useful cash management tool in the right circumstances. Before you use money market funds, make sure you understand how they work and the risks you might be taking. Money Market Fund Investments Money market funds invest in short-term securities. By keeping a short time frame, these funds attempt to reduce uncertainty, which may help to manage risk....

The differences between net income and net profit are subtle, but they are important to understand as you develop your knowledge of a business’s financial statements. What Is Net Income? Net income is calculated on the income statement and shows what a business has earned after subtracting expenses such as operating expenses, cost of goods sold (COGS), depreciation, interest, and taxes along with allowable deductions during a specific accounting period....

“We know education can change a person’s means and access to wealth,” Democratic Rep. Vicente Gonzalez of Texas said in a statement Monday announcing the bill. “Pursuing higher education should not require students and families to jeopardize their financial stability or futures. I am proud to introduce this legislation and take this major step to prevent this crushing debt from stifling the American Dream.” The bill would give $775.5 billion of debt relief to 45....

Intuit, the company that makes TurboTax software, has agreed to halt the ubiquitous ad campaign and pay $141 million to consumers after attorneys general in multiple states accused it of unfairly charging for what should have been free tax preparation services. Intuit said it admits no wrongdoing and agreed to the settlement to put the matter behind it. “Intuit cheated millions of low-income Americans out of free tax filing services they were entitled to,” Letitia James, New York’s attorney general, said in a statement Wednesday announcing the settlement of an investigation she conducted with her counterpart in Tennessee and seven other states....

Common types of permanent life insurance include whole life, guaranteed issue whole life, universal life, and variable life insurance. Each of these permanent life insurance policy types has different features, but all include a cash value account that you can access. Here’s what you need to know about permanent life insurance to decide if one of these policies, and which type, is right for you. What Is Permanent Life Insurance?...