Ultimately, your career path will depend on the unique configuration of skills, interests, and values you bring to the table. Here are some of the careers best suited for those passionate about sustainability, conservation, ecology, climate change, alternative energy sources, and related fields. Environmental Studies vs. Environmental Science: What’s the Difference? ES majors ground their idealism in scientific rigor. As a student in this field, you’ll need the ability to understand and apply complex concepts in biology, chemistry, geology, and physics....

Narrowing down all the mutual funds and ETFs that invest in health stocks to a small list can be challenging, but if you know the best qualities to look for, choosing the best health care fund can be fairly easy. What Is the Health Sector? The health care sector is also known as “health” or “specialty-health.” It’s a stock sector that focuses on the health care industry, which is quite broad and diverse....

Here are our picks for the best small business ideas based on current trends in business and demographics, in no particular order. From original product ideas that the seller gets manufactured to specifications.From local or national wholesalers.From overseas bulk discount suppliers such as Alibaba.By arbitrage—purchasing discounted items online or from retail stores and reselling them for a profit. As the baby boomers retire from skilled trade jobs, the manufacturing sector is struggling to find new workers to fill these jobs....

These tools cover a range of topics, from taxes to stocks. They all can be used to help you make smarter decisions about your money, whether you plan to retire early or years from now. The Flexible Retirement Planner The Flexible Retirement Planner offers a free demo version for download on its website. This spreadsheet takes basic inputs such as your current age or the age you want to retire....

In fact, the wealth of the 400 richest people in America, as identified by Forbes, was equal to 19% of U.S. GDP as of May, compared to 14.1% in 2019, before the pandemic hit, and below 5% in the 1980s. That’s according to calculations by University of California, Berkeley, economists Emmanuel Saez and Gabriel Zucman, who published a paper on wealth inequality late last year and recently updated their findings with the latest figures....

With costs of around 3.3 billion pounds, Britain’s central bank was unable to defend itself from an attack in the currency markets. Soros made about $1 billion in profit as a result. Setting the Stage for Black Wednesday The European Exchange Rate Mechanism (ERM) was set up in March of 1979. Its purpose was to reduce exchange rate variability and stabilize monetary policy across Europe before introducing a common currency; it would eventually be known as the euro....

What is Block Format? In block format, everything including your contact information, the date, the employer’s contact information, the body of the letter, and the greeting and closing, is all left-justified. It gives a clean and professional look to your letter. In block format, the letter is single-spaced, with the exception of a space between each paragraph (as well as a space above and below the date, and above and below the salutation and signature)....

Here’s an overview of what a blog is, why it’s popular, and tips for starting your own blog. What Is Blogging? The word blog is actually a shortened form of its original name, “weblog.” These weblogs allowed early internet users to “log” the details of their day in diary-style entries. Blogs often allow readers to comment, so as they became more common, communities sprung up around popular blogs. Like most internet-based innovations, many entrepreneurs saw marketing potential in having a blog, and the adoption of blogging among the business community helped further increase the popularity of the medium....

Marketing is one of the most flexible, high-potential areas where you can maximize a bootstrap budget. There are so many ways you can get the word out about your business, without spending much. Here are five bootstrap marketing techniques that you can integrate into your marketing plan today. The first step is signing up for an email marketing service that will allow you to easily collect email addresses, send targeted messages, and track the response....

Some asset managers in bank real estate departments handling foreclosures insist that their agents market their inventory just like any other home; some prefer the agents not to disclose that the homes are foreclosures. That’s because foreclosure homes carry a stigma. In all fairness though, the bank is simply trying to compete in the open marketplace. Conditions and Disclosures Typically, when you buy a home, the owners know they can share details with you about its history....

It’s harder than you might think to keep previous jobs a secret, so don’t assume that if one isn’t on your resume, the employer won’t find out about it. You may need to include it in a job application, or it may show up in a background check. Which Jobs to Include Keep in mind that a resume is a synopsis of your education and work experiences and that you don’t have to include everything that you ever did, especially older jobs that aren’t pertinent to your career....

When it comes to formal employment, children must be at least 16 years old to start working legally, unless they’re working for a business solely owned by their parents or guardians (with some exemptions). Opening an IRA for a Child If you want to open an IRA account for a minor, it must be a custodial account, meaning it’s held by the parent or guardian in the name of a minor....

Not as Easy as Simply Writing a Will So what if you are legally married but wish to disinherit your spouse for one reason or another? The general belief is that if you make a valid Last Will and Testament or a Revocable Living Trust, you can dictate who gets your property after you die. However, the surprising fact is that in the majority of states, and the District of Columbia, you can’t intentionally disinherit your spouse unless they agree in writing to be disinherited in a prenuptial or postnuptial agreement....

Reaffirmation Agreement Your first option in a Chapter 7 case is to enter into a reaffirmation agreement with your car lender. If you own your car free and clear, this option does not apply to you. A reaffirmation agreement means that you contract with the lender to take the car loan out of the bankruptcy altogether. It won’t be subject to the bankruptcy discharge, and in exchange for keeping the car, you have to continue making the payments....

In light of the hardships many are facing in the wake of the pandemic, Citi is offering this unusual redemption option for eligible cardholders through Nov. 7, 2020. This is a standout offer because typically when you redeem credit card rewards for cash back or statement credits, you will still owe the minimum payment due, even if the rewards more than cover that amount. Carrying a balance on a rewards credit card is not ideal....

The Consumer Financial Protection Bureau (CFPB) notified mortgage servicers in a bulletin Thursday that it will be paying close attention to how the companies handle a looming foreclosure crisis. Millions of homeowners could be exposed once federal protections expire later this year. A moratorium on foreclosures ends June 30, and many borrowers will start to exit pandemic-era forbearance programs in September. With 2.1 million borrowers in forbearance and at least 90 days late on their mortgage payments, and another 242,000 borrowers late on payments but not enrolled in forbearance at all, mortgage servicers likely will need to increase outreach and customer service efforts to avoid a rash of preventable foreclosures, CFPB said....

Most Common Accounting Mistakes Accounting mistakes include making basic math errors, entering data incorrectly and failing to document expenses and income. The following accounting mistakes are among the most common for small businesses. Organization In accounting, organization is critical. That means keeping receipts for all expenditures, using business credit or debit cards for expenses, keeping the books up-to-date, noting petty cash expenses accurately on the day that they’re incurred and not mixing personal and business finances....

Angelo Merendino/Getty Images The first-ever director of the Consumer Financial Protection Bureau (CFPB), Richard Cordray will take over as chief operating officer of the Federal Student Aid office, the Department of Education (ED) announced Monday. He fills the role vacated by Mark Brown, who served for two years. Federal Student Aid oversees the federal government’s student financial assistance programs, including its $1.5 trillion student loan portfolio. Cordray begins his new job at a time when federal student loan borrowers are front and center in Washington....

While the pricing varies by credit card, balance transfer fees are fairly straightforward. Here, we’ll dive into how balance transfer fees work and examine some strategies for reducing or even avoiding the fee completely. What Are Balance Transfer Fees? A balance transfer fee is a one-time fee you pay when you transfer a balance from one credit card to another, usually with a lower interest rate. Fortunately, the balance transfer fee is only charged when you make the transaction; you don’t have to worry about any ongoing fees....

Credit card balances increased by about $17 billion for the second quarter in a row, marking a return to normalcy, according to a quarterly report on consumer debt and credit released Tuesday by the Federal Reserve Bank of New York. While total credit card debt remains far below pre-pandemic levels, the uptick is a distinct contrast from the “wild gyrations” in card debt seen earlier in the pandemic when balances suddenly plummeted, researchers said....