A student loan offset occurs when you have delinquent student debt owed to the Department of Education. It’s possible, however, to recover tax refund offsets if you qualify for a hardship exception. Below, we’ll take a closer look at how the student loan tax offset hardship refund works. What Is a Student Loan Tax Offset? A student loan tax offset allows the federal government to collect outstanding debts if you default on federal education loans....

The London Stock Exchange has a market capitalization of over $3 trillion, making it the fifth-largest stock exchange in the world. There are around 2,000 companies from over 100 countries listed on the exchange, including those from Africa, China, Latin America, Europe, and Asia. Benefits and Risks Investing in the UK Investing in the UK may be safer than many emerging and frontier markets, but there are still many risks that investors should take into account....

If you are going for many interviews, that can add up to a lot of time that you’ll need to take off from work—without the guarantee of getting a new job. In some cases, the first round or two are phone or video interviews, which can make it easier to manage. In other cases, it’s more complicated. It’s important to carefully manage the time you take to interview, so you don’t jeopardize the job you have....

MoMo Productions / Getty Images Regulations such as the Fair Housing Act (FHA) govern the actions of real estate agents when it comes to the showing, selling, and buying of real estate in a manner that is fair to all parties. The Fair Housing Act holds real estate agents to fair and ethical standards of practice in how they market and sell homes, and sets limits to prevent unfair or discriminatory practices....

This inclusivity is not just a reflection of legality, although it’s worth noting that there are federal laws against harassment in the workplace due to race, sex, national origin, age, disability, and genetic information, according to the U.S. Equal Opportunity Employment Commission (EEOC). Why Companies Value Diversity Companies value diversity and inclusion because it’s important to their potential employees. A survey by Glassdoor found that 67% of job seekers claimed that a diverse workplace was important to them....

Government Guarantees Backing from the U.S. government is one of the strongest protections available, and one that most people depend on. If your financial institution fails and your savings are covered, you won’t lose money. For banks, FDIC insurance is a government-backed program that insures deposits. Funds are covered up to $250,000 per depositor, per institution. It’s critical to verify that your bank is insured and to understand what happens with different types of accounts (such as joint accounts and retirement accounts)—especially if you have more than $250,000 in one bank....

What Does It Mean To Treat Yourself? “When you treat yourself, you do something that time and money doesn’t permit on a regular basis,” Paul Gaudio, certified financial planner (CFP) at Bryn Mawr Trust, told The Balance via email. It’s an activity or purchase you enjoy every once in a while, rather than every day. It can mean a variety of things, many of which don’t cost any money at all....

Why a Corporation Needs Corporate Resolutions A corporate resolution documents actions and decisions of a corporation’s board of directors. Basically, anything the corporate board does must be put in the form of a resolution. The purpose of these resolutions is to create documents that hold the board accountable and that show licensing boards and state and federal regulators (including the IRS) that the board is acting according to its fiduciary responsibilities....

There are five main types of IRA withdrawals: early, regular, required minimum distributions (RMDs), Roth IRA withdrawals, and IRA rollovers or transfers. Diverse rules apply to each of them and to the reasons why you might take money out of your account. You must report any funds you take out early from your traditional IRA on your 1040 tax form, and you’ll pay income taxes on the money as well....

There are also deadlines when you must file your return if you want to collect any refund that’s owed to you. All of these limits are referred to as an IRS “statute of limitations.” Learn more about these deadlines and how they affect you. How Long Do I Have to Claim a Tax Refund? You have three years from the date of the original deadline for your tax return to claim any refund you are entitled to....

You used to hear people talking more about the benefits of HELOCs because you once were able to deduct all of the interest paid on these loans, unlike many other loan options. But with changes made in 2018, that may not be the case anymore. Instead, what you use the funds for and the size of your loan are among the determining factors. We’ll help you understand how it all works....

You may have to provide employers with a list of your references. Or, employers may ask that your references submit letters of recommendation (also known as reference letters) for you. References can be complicated, from knowing whom to ask for one (and how), to providing contact information in the right format. Learn everything job seekers need to know about references. Plan ahead and get your references in order before you need them....

Available Funds Do you have enough money to trade for a living? For some reason, ambitious new traders think they can start trading commodity futures with $10,000 and they will make enough money every month to live on. It is certainly possible, but highly unlikely. Trust me when I tell you this won’t work. To trade for a living, you should have enough money saved that you can live on for at least a year....

Number of Witnesses The state you live in may require a will to be signed in the presence of two witnesses. But the laws of the foreign country where you own assets might require a will to be signed in front of, say, three witnesses. If you didn’t have the correct number of witnesses, then your U.S. will may not be valid in the country where those assets are located....

But some questions seemed like they were on your mind more than others: Splitting finances and investing basics were among the most common questions asked this year. Whether that was figuring out how to split expenses with a partner, or how to invest when you’re afraid of losing money, Kristin gave her two cents on it all. Here are your most asked questions of 2022, and their answers. How Do You Split Expenses When Your Partner Earns More?...

What Is the Marriott Bonvoy Program? Marriott Bonvoy is the hotel loyalty program for Marriott International. The hotel chain first introduced the program in 1983. In 2019, Marriott consolidated three of its loyalty programs—Marriott Rewards, the Ritz-Carlton Rewards, and Starwood Preferred Guest—into one new program: Marriott Bonvoy. Bonvoy members can earn points in a variety of ways and use them to score hotel stays, book other forms of travel, and more....

The shares of the movie theater chain company are the latest to join the ranks of the so-called “meme stocks,”— stocks that trade more on social media hype than on fundamentals. AMC stock has risen from a low of $12.18 on May 24, to a high of $72.62 on June 2, before dropping to $37.66 the very next day. The regulator said it is keeping an eye on the markets and will take action, if necessary....

Over the last year or so, companies like Fidelity and Greenlight have launched investment platforms aimed at teaching children about money, allowing them to research financial products and invest. Sounds great, except if they are too good at investing, the tax collector may come calling after their unearned income hits a certain threshold. But how much could a tax on a child’s unearned income—interest, dividends, and capital gains, not wages—really amount to for the tax collector?...

Increased demand for oil this winter has already pushed oil prices higher. More energy was needed to heat homes because of exceptionally cold weather, and travelers, worrying less about the omicron variant of COVID-19 than before, were using more fuel to get around. At the same time, the Organization of the Petroleum Exporting Countries and other oil producing countries (OPEC+) have been limiting their production and keeping oil inventories low, which has kept prices high....

Unfortunately, it’s easy to make these mistakes without even realizing it— and many of them are more common than you might think. Take the time to prepare before your interview so you don’t have to stress out about blunders after it. Running late not only suggests poor time management skills, but shows a lack of respect for the company, the position, and even your interviewer. Go the extra length to make sure that you aren’t late, and arrive on time, or even early....