Before You File and Pay You’ve finished your business tax return, and you’re ready to send it in and pay your taxes. But first, there are a couple of things you should know. Keep an eye on the due date. We all know that taxes are usually due on April 15, but what if that day falls on a Saturday, Sunday, or federal holiday? IRS due dates can change a little every year because of holidays and weekends....

Also known as “seller financing,” it’s especially popular when the local real estate scene is a buyer’s market. What Is Owner Financing? Owner or seller financing means that the current homeowner puts up part or all of the money required to buy a property. In other words, the buyer borrows the money from the seller instead of taking out a mortgage with a conventional lender. It doesn’t matter if the property has an existing mortgage against it, although the homeowner’s lender might accelerate the loan or call it immediately due upon sale due to an alienation clause....

Learning the differences between them can help you decide which type you prefer to have in your portfolio or how you’d use them to diversify it. How to Identify a Growth Stock Growth stocks have some common characteristics, but individual investors may tweak the numbers for their purposes. There are a few indicators you might see that signal a growth stock: Strong price growthReturn on equity (ROE)Earnings per share (EPS)Earnings before taxesProjected stock prices...

The hiring process can vary from employer to employer, the type of job you are applying for, and the industry in which you work. You could get an offer in a day or two or it could take weeks. Here’s a breakdown of the steps in the process and the time it usually takes to go from interview to offer. From Candidate Review to Job Offer The hiring process begins when a company posts a job opening and begins accepting applications for that job....

Some do it for the money, while others are attracted to the glamour, excitement, and challenges of selling a property. Others want to be part of a profession that helps others accomplish their dreams. How Much Does the Average Real Estate Agent Earn? Most first-year real estate agents earn very little, primarily because they’re struggling to learn the business while they build client bases. They can rely on referrals from satisfied clients to continue building their business as years go by, and they learn other ways to attract clients....

The exact amount for the minimum initial purchase will often depend upon the mutual fund company. Learn more about how much you need to invest in mutual funds. What Is the Minimum Required for an Initial Purchase? Here are amounts you’ll need to invest when first buying shares of mutual funds from these top no-load fund companies: Vanguard Funds: The minimum is $1,000. Fidelity Funds: There is no minimum.T. Rowe Price Funds: The minimum is $2,500....

It is essential that you plan for your retirement and that you have clear goals of how you want to spend that time. With the longer life expectancy for many Americans, retirement money needs to last longer than it used to and that means saving more and investing wisely. What Percentage Should I Be Saving for Retirement? An easy answer is to put a certain percentage away each month. If this is your method, then you simply need to put away a predetermined amount each month....

Take a moment to think before you answer questions such as, “How is our company better than your present employer?” When asked this question, a disgruntled job applicant might tell the interviewer that the company he or she works for is horrible. Maybe they talk about how the company treats employees terribly, or how they hate working there. What happens, for example, if their current employer happens to be a big customer of the company where he or she is hoping to land a job?...

Many employers find it more convenient to hire part-time rather than full-time workers, and many employees appreciate the flexibility that a part-time job offers them. Part-time workers include parents, students, retirees, and anyone who prefers a variable schedule. What Is Part-Time Work? “Part-time work” generally refers to scheduling, not the scope or duties of the job. Although the BLS defines part-time work as taking up fewer than 35 hours per week, the IRS sets the threshold at 30 hours per week....

Once a disaster is declared, business owners can check their eligibility, apply for an SBA disaster loan, and work with a loan officer to determine the amount as well as the disbursement schedule of their loan. In this article, we’ll discuss the different types of disaster loan products available to small businesses, how to become eligible, and what business owners can expect when it comes to post-disaster recovery assistance....

There is no right or wrong method when it comes to how to buy and sell a house at the same time. Your options vary depending on what you can afford and how much risk you’re willing to take on. It also depends on whether you’re dealing with a buyer’s market, a seller’s market, or both if you’re moving from one city to another. Here some ways you can approach this situation....

Calculating Present Value Let’s say you just graduated from college and you’re going to work for a few years, but your dream is to own your own business. You have some money now, but you don’t know how much, if any, you will be able to save before you buy your business in five years. You can use the calculation for present value of a single amount to find out how much you should deposit or invest today if the interest rate (or capital gains plus dividends) is 5% and you will need $25,000 to buy your business in five years....

With numbers like that, it’s no wonder consumers are seeking low-interest credit cards. The lower your interest rate, after all, the less you have to pay your lender for the privilege of borrowing and the more you can put towards getting out of debt. If that sounds appealing to you, then we have good news. If you’ve got good credit, there are several different types of low-interest credit cards on the market and each one can help you in different ways....

While opening a joint credit card is a simple process, closing one can be complicated, especially if there is an outstanding balance. Closing a Joint Credit Card Account Closing a joint credit card account can be difficult if the account still has a balance due. Some credit card issuers require the balance to be paid off before the account can be closed. The first step to closing a joint account is to contact your credit card issuer....

This speech is all about you: who you are, what you do, and what you want to do (if you’re job hunting) or are doing. Done right, this short speech helps you introduce yourself to career and business connections in a compelling way. It can help you build your network, land a job, or connect with new colleagues on your first day of work. When and How To Use an Elevator Speech If you’re job searching, you can use your elevator pitch at job fairs and career expos, and online in your LinkedIn summary or Twitter bio, for example....

Your objective should be to secure a position that fits with who you are as a person, your career interests and goals, and your lifestyle. How can you tell whether the job is a solid enough match to apply for, and even more importantly, how do you know if you should accept an offer for a job? Although there are never any ironclad guarantees, following a thoughtful process can increase your chances of making a sound decision....

Step One: Determining Your Market Area Before you can do research on your local market, you will need to know the size of that market. The question to ask yourself is: “How far will people come to buy my products or services?” The answer depends upon two factors: (a) the type of product or service you are providing, and (b) the availability of other similar businesses providing that same product or service (in other words, competitors)....

However, you may not want to drain your savings on a $25,000 home renovation project—or you may not even have enough in savings to cover the cost. Fortunately, there are several other ways to finance your reno. These are the pros and cons of each financing option. How Can I Finance a Home Renovation? Depending on the home renovation, you may be able to finance it with cash from a savings account....

Finding good award travel deals is a great way to do that, but the process can be complicated. Here are some steps you can take to get the most value out of your airline miles and hotel points. Finding Award Travel Deals Can Be Tricky It’s generally easy to shop around and compare cash prices for things like flights, hotels, and car rentals, but sites that let you compare award prices for travel are rare....

Get a Job Credit card income requirements actually span beyond young adults. Everyone who applies for a credit card, young and old, must have sufficient income to qualify, even if they have impeccable credit. The rules don’t state a specific income you’d need in order to qualify, but credit card issuers have their own (non-disclosed) guidelines that vary by credit card. If you’re turned down, and it’s because you don’t have sufficient income to qualify, you’ll get a letter in the mail explaining the reason you were declined....