The job profile is best developed by a team of employees who understand the organization’s need for the employee who fills this position. It is often the starting point for discussion in the recruitment planning meeting or process. The job profile will contain an overview of the: Job’s key responsibilitiesExperience needed to do the jobSkills necessary to perform the jobEducation and credentials required for the positionThe physical demands of the job and the work environment in which the position will functionReporting assignment, level, department or functionPay range information, usually a low and a high range...

These increases have made it much tougher to afford buying a house. In fact, the monthly cost in principal and interest payments alone is up well over $500 compared to when Freddie Mac and the Mortgage Bankers Association say rates were at rock bottom a little over a year ago. Today, the monthly payment for a mortgage on the typical home would be $1,749, compared to $1,391 at the beginning of March and $1,188 if you’d been able to get the same loan at the record-low rates that prevailed in the winter of 2020-2021....

Credit card processing networks may work with separate issuing banks that make credit cards available to consumers. Issuing banks also bill consumers for their transactions and collect payments for outstanding balances. Credit Card Issuing While Visa, Mastercard, Discover, and American Express have the infrastructure for processing credit card transactions, only American Express and Discover also operate as the banks that work with merchants and consumers for handling the financing. If you have Visa or Mastercard, you may have noticed that you make payments to your credit card issuer, not to the processing network....

There are different ways investors can go about shorting bonds, but be careful—the occasions when bonds fall in price for an extended period have been few and far between in recent decades. Betting against the market, therefore, requires a tolerance for risk, the ability to absorb a loss, and, perhaps most importantly, outstanding market timing. Inverse Bond ETFs The easiest way for individual investors to position for a downturn in bond prices is by using “inverse ETFs,” or exchange-traded funds that take short positions in bonds....

Why send a letter of interest? You can use a letter of interest to see whether the company has any job openings that would be a good fit for you. If you’re interested in working at a particular company, it’s one way to get on its radar and get noticed. You might also use a letter of interest to arrange an informational interview with someone at the company, so that you can learn more about the organization....

Investors use market orders when they want to quickly buy or sell an entire lot of shares. On the other hand, investors who want to buy or sell at a set price will use limit orders. Market orders and limit orders can also specify when to buy, and what to do if the order can’t be filled. What’s the Difference Between a Limit Order and a Market Order? Limit orders include a price, and may have a specified timeframe....

There were increases in prices across the board, as the economy reopened and consumer demand surged, just as a shortage of manufacturing materials limited production. The auto industry may be a prime example of what happens when a spike in demand and a drop in supply collide, economists said. Lack of parts, like semiconductors, are limiting the number of new cars automakers can produce, causing shutdowns at some factories. Meanwhile, a pandemic-driven burst in sales has sapped the existing inventory of new cars and trucks, leaving fewer on dealer lots....

That’s because there are actually few hard-and-fast rules, except for those associated with the Home Affordable Foreclosure Alternatives program (HAFA). And those are often loosely interpreted. So there are more than a few strategies out there. Some have been known to work…but others not so much. Document the Market It might sound reasonable on the surface that you’d want to show the bank how much money it stands to gain or lose in the short sale transaction, but this rarely works....

Your Money as a Stay-At-Home Mom Evaluate your finances before you get your heart set on giving up your job to stay home with the kids. Sit down with your spouse and go over everything from how much you’re paying for someone to watch your children while you work to how much you spend on gas, eating lunch out and buying clothes for your job. Compare those numbers with what you earn to see if you’ll be barely scraping by or if you’ll be able to save some money along the way....

Sincerely, Karen Dear Karen, I feel your pain. In fact, I’m sure anyone out there reading this is feeling it. Markets are down over 14% so far this year and with fears of a recession looming, it’s probably going to get worse before it gets better. But does that mean you should invest less? No. Here’s why. You say you have 10 more years to go before you plan to retire....

Learn more about most favored nation status and what it means for countries that join the World Trade Organization. What Is a Most Favored Nation? Most favored nation status (MFN) is given by members of the World Trade Organization (WTO) to other members. This status confers trade benefits to member nations that are not given to others by treating each country as an equal trade partner. It acts as an incentive for countries to join the WTO and reduces friction between member countries by creating equality in trading policies....

As an example, if an employee has a habit of placing their briefcase and water bottle on both sides of them, on top of the meeting table, it can come off as aggressive behavior. The employee may be getting comfortable but their boss or others perceived her presence as an invasion of space. Such nonverbal interactions can be harmful to relationships and make others uncomfortable. Nonverbal Facial Expression Human faces are incredibly expressive....

Current Oil Prices There are two grades of crude oil used as benchmarks for other oil prices: the West Texas Intermediate (WTI) at Cushing and North Sea Brent. WTI at Cushing comes from the U.S. and is the benchmark for U.S. oil prices. North Sea Brent oil comes from Northwest Europe and is the benchmark for international oil prices. Internationally, the Brent crude oil price is expected to average $95.33/b in 2023, according to the Energy Information Administration’s (EIA) Short-Term Energy Outlook released on November 2022....

The app offers several features that may be useful to you. However, most of the features it provides are simply options to access information on the IRS website, rather than through the app itself. Why an App? The IRS2Go app was conceived when the IRS Commissioner launched an initiative to provide more accessible services to taxpayers that were in line with available technology. The IRS assembled a team, including a vendor, to create a prototype of the initial app, which ultimately debuted just in time for the 2011 tax season....

Every unemployment filing, furlough, and closed business reflects a personal experience. As the statistics pile up, we’re committed to sharing stories of how COVID-19 continues to shape people’s lives and livelihoods—how they’ve coped, what they’ve learned during the crisis, and how they’re moving forward. Pasadena, California-based Cassie Baca, 23, graduated college in 2019 with a passion for sports, sports media, and sales. She found her ideal first gig in September with Elevate Sports Ventures, where she was a ticket sales and experience manager for the XFL....

Learn more about these rates, including when they can be used and when they can’t. What Are Per Diem Rates? The term per diem—from the Latin for “by day”—refers to a daily allowance for specific travel expenses for employees. There are per diem rates for two separate components: These rates are set by federal agencies and apply to federal government employees who are traveling for work. They are also used by the Internal Revenue Service for the purpose of determining whether non-federal-government employees owe taxes on reimbursements for work-related travel expenses....

How Nixon’s Policies Hurt the US Economy Those well-publicized events overshadow how Nixon almost destroyed the U.S. economy. To cure mild inflation, he imposed harmful wage-price controls. That move bypassed America’s free-market economy. Even worse, Nixon ended the gold standard that tied the dollar’s value to gold. This move created a decade of stagflation. It was only cured by double-digit interest rates, causing the devastating 1981 recession. Ending the gold standard permitted the U....

It’s important to remember, though, that foreclosures aren’t without drawbacks. If you’re considering buying one, make sure you understand the full range of risks and rewards before moving forward. What Happens During a Foreclosure? When a homeowner fails to repay their mortgage as agreed, the lender will seize the property and attempt to sell it to recoup its losses. The exact process for foreclosure depends on the state the house is located in, but in some cases local courts may be involved....

The new site, forgivemystudentdebt.org, is intended to help workers in those jobs take advantage of temporary changes made in October to the Public Service Loan Forgiveness (PSLF) program that made it much easier to qualify for the program. The free site includes videos and step-by-step instructions to help borrowers meet an Oct. 31 deadline to consolidate their loans and get forgiveness under the temporary rules. The PSLF program is meant to cancel the remaining balance of student loan debt for people who work in public service jobs for 10 years or more....

Here are some reasons your credit card may not work. You Haven’t Activated It New credit cards are affixed with a sticker with instructions for activating it. Typically, you only have to call a 1-800 number and enter the last four digits of your social security number or the billing zip code. The call will only take a few moments and your credit card will be activated right away. Some credit card issuers let you activate your credit card online or via a smartphone app, but calling may be quicker....