Why is this question so hard to answer? For starters, most people want to be recognized for their unique value, not for how they compare to other people. If you feel this way, it can be challenging when an employer asks you to elaborate on what makes you better than other candidates vying for the job. But with a bit of preparation and some strategy, you can give a sharp and effective response....

Not only do exchange-traded funds give you instant exposure to a particular region, sector or market, but ETFs come with many advantages as well. Tax breaks and cost-efficient benefits to name a few. No investment is without risk and ETFs have their share of disadvantages, but on the whole, you may find that gaining access to Switzerland via an ETF can be beneficial to your portfolio. Below are four current ETFs to help you with your strategy....

The Tax Cuts and Jobs Act eliminated the corporate tax schedule for a single tax rate of 21% effective 2018. All corporate income tax returns will be taxed at this rate, regardless of their incomes, and it’s a permanent change. What Is Form 1120? A corporation pays income tax by filing a corporate tax return on Form 1120 and paying the taxes as indicated by this return. Its owners don’t pay the taxes for the corporation, unlike “pass-through” business entities that trickle income and deductions down to their owners and shareholders to be reported on their personal tax returns....

For example, suppose you buy 100 shares at $50 per share for a total of $5,000. Then the stock drops to $40 per share. You then buy another 100 shares at $40 per share for a total of $4,000. You now own 200 shares and spent a total of $9,000. The average price per share that you own is now $45. If the stock rebounds to $60 per share, then averaging down would have been an effective strategy for seeing returns on your investment....

Temperatures are rising, masks are coming off, and American Airlines and JetBlue are giving frequent flyer members more ways to earn rewards on flights booked with either airline. The credit card industry also brought us sunny news of dwindling card balances, a critter-focused Mastercard program, and more. This credit card news roundup contains what you should know about the cards in your wallet. You’ll also learn about new product releases, offers, and reports that haven’t gotten as much nostalgic hype as the “Friends” reunion but are still worth clapping your hands for....

What can employers list in a job ad, and what shouldn’t be listed? In general, organizations should not include any reference to gender, marital or parental status, unemployment status, race, ethnicity, age, non-job-related disability, national origin, or religion in their job advertisements. Federal Law and Discrimination Issues The U.S. Equal Employment Opportunity Commission (EEOC) is the federal agency charged with enforcing laws prohibiting job discrimination. When advertising open positions, It is illegal for an employer to show a preference for or discourage someone from applying for a job because of their race, color, religion, sex (including gender identity, sexual orientation, and pregnancy), national origin, age (40 or older), disability, or genetic information....

When you write your job application letter, it’s essential to pay close attention to formatting. There’s a right way to format a cover letter; deviate from the standard guidelines and hiring managers may drop you from consideration. In fact, anything that makes your job application letter appear less than professional can prevent hiring managers from taking you seriously as a candidate. Make sure your cover letter is formatted properly and is free from errors before you send....

These questions range from, “What are you passionate about?” to simply, “What motivates you?” Another question employers ask is, “Are you self-motivated?” What Interviewers Really Want to Know Employers want to know that you will be an enthusiastic employee who is committed to your work. They want to know that you will do your best work—even without a boss asking you to do so, or the promise of a reward....

It’s essential to be able to show the hiring manager that you’re the best person for the job and have the skills and credentials they need for a successful hire. Here are some tips and tricks that will help you ace your interview and come across as a strong candidate for the job. Research the Company Before the Interview Spend some time researching the company prior to the interview. Hiring managers know that they’re dealing with someone who is serious about the position when the candidate has taken the time to learn about the company....

Learn more about job offers and how they work. What Is a Job Offer? A job offer is an invitation for a potential employee to work in a specific position for an employer. Job offers typically contain the details of the employment offer, including salary, benefits, job responsibilities, and the reporting manager’s name and title. The offer letter may also cover the expected work hours, the desired start date, and additional details that are important for the prospective employee to know....

From civil rights organizations to adoption agencies, wedding chapels to community centers, there are hundreds of options for jobs where your work can make a difference. Often, the work is closer than you think. Here is a look at some of the best jobs that relate to or directly support lesbian, gay, bisexual, transgender, and queer issues. This all adds up to a big need for psychologists, psychiatrists, and therapists who specialize in treating this community....

For example, stay-at-home moms, retirees, and students are not part of the labor force. Discouraged workers who would like a job but have given up looking are not in the labor force either. To be considered part of the labor force, you must be available, willing to work, and have looked for a job recently. The official unemployment rate measures the jobless who are still in the labor force. The size of the labor force depends not only on the number of adults but also how likely they feel they can get a job....

What Is the Statute of Limitations on Debt The statute of limitations is a law that limits the amount of time a debt is legally enforceable. After the statute of limitations for the debt has expired, the creditor cannot use the court to force a consumer to pay the debt. The time for the statute of limitations starts ticking on the last date of activity on the account and lasts anywhere from three to 15 years, depending on the the type of debt and the state you lived in when you created it....

Stock can be purchased at the strike price as soon as the option vests, which makes it available to be exercised. Strike prices are set at the time the options are granted. But the options often vest over time. The ISO allows you to purchase stock in the future at the locked-in strike price if the stock increases in value. This discount on the purchase price of the stock is called the “spread....

When you are job searching, you can search for particular job titles based on the qualities you are looking for. For example, you can search by job title on Indeed, CareerBuilder, and the other major job sites to find open positions. For an employer, a job title describes the type of position and level an employee holds. Here’s information on what is included in a job title, and how you can use a job title in your job search....

Defining Marketing Marketing is the process of teaching consumers why they should choose your product or service over those of your competitors, and is a form of persuasive communication. It is made up of every process involved in moving a product or service from your business to the consumer. Marketing includes creating the product or service concept, identifying who is likely to purchase it, promoting it, and moving it through the appropriate selling channels....

While these types of insurance are similar, they aren’t the same. Both have a death benefit, but an AD&D policy only provides the benefit if your death is the result of an accident. Life insurance, on the other hand, is less restrictive. Learn more about the differences between these two policies so you can determine whether either is right for you. What Does AD&D Insurance Cover? AD&D insurance provides a benefit if you are killed or severely injured in an accident such as a car accident, a heavy machinery accident, a fall, or drowning....

In 2019 and 2020, the Consumer Financial Protection Bureau (CFPB)—a financial services watchdog created in the aftermath of the 2008 financial crisis—received four times as many complaints per-capita from counties with the highest percentage of minority populations as it did from counties with the lowest minority populations, the CFPB said in a statement Wednesday. The report shines a spotlight on inequality, reflecting the agency’s new focus under President Joe Biden to fight racial disparities in how businesses treat consumers....

NAFTA was also controversial. Politicians don’t agree on whether the free trade agreement’s benefits outweighed its drawbacks. Learn more about what those pros and cons are. Pros and Cons of of NAFTA Pros Explained NAFTA has six main advantages, according to a Congressional Research Service report prepared in 2017. Increased trade: NAFTA more than tripled trade between Canada, Mexico, and the United States after it was enacted. The agreement reduced and eliminated tariffs....

An appraisal, regardless of what form it takes, can protect both the borrower and the lender. The appraisal process can ensure you’re able to maximize the amount of money available to borrow, and it can give the lender peace of mind about using your home as collateral for a home equity loan. What Is a Home Equity Loan? ​​A home equity loan—also known as a second mortgage—is a loan for a fixed amount of money that uses your home as collateral....