Using aftermarket or generic parts should not interfere with your vehicle’s warranty. Aftermarket parts may even have longer warranties than OEM parts in some cases. Data indicates that aftermarket parts are safe. There are no safety implications of using cosmetic crash parts or aftermarket parts, but using aftermarket structural parts such as hoods may have safety implications. Aftermarket structural parts must exactly replicate the original parts to preserve the vehicle’s safety and crashworthiness....

Developers had different ideas and concerns about Bitcoin’s security, mining speed, and accessibility. They couldn’t reach an agreement on how to proceed, so they created forks and new cryptocurrencies that aligned with their strategy and goals. Bitcoin Gold Bitcoin Gold was created in part to limit certain groups from controlling Bitcoin. Its creators thought that Bitcoin could not be mined fast enough to be accessible for everyone because enterprises with dedicated ultra-expensive mining rigs and mining farms were crowding out average miners....

While these people have looked for work within the past year, they are not officially classified as unemployed because they have not looked in the past four weeks. However, discouraged workers would take a job if it were offered. Discouraged workers are not those who have dropped out of the labor force for reasons classified as “other.” Those workers might have gone back to school to increase their chances of getting work....

The computers that validate new transactions on most blockchains are called miners. In a proof-of-work protocol, these miners compete against each other to validate the next block of transactions. The winning miner earns a lucrative mining fee, paid for by those who send transactions on the network. The consensus mechanism ensures all miners agree on the next block of transactions and distributes the information in each new block to all other miners....

Alternate names: Stable value funds are also called: Capital accumulation fundsPrincipal protectionGuaranteed fundsPreservation fundsGuaranteed investment contracts (GICs)Group annuity contracts Acronym: SVF For example, a business or government agency might offer a stable value fund as one of the options where employees can invest the money from a 401(k) or 403(b) plan. It wouldn’t offer the employees much growth for their retirement funds, but it would ensure that none of the money they invest is lost....

Alternate name: Tax loss carryforwards, net operating loss carryforwards, deduction carryforwards, credit carryforwards A tax carryforward is basically what it sounds like: You can carry forward losses or excess amounts over the limits set by the IRS into future tax years to reduce your taxable income or your tax bill. It’s one way to help people who suffer financial losses or who contributed a lot of money to something. Examples of a Tax Carryforward The New York Times reported in 2016 that former President Donald Trump claimed $916 million in losses in 1995, and federal tax carryforward laws likely allowed him to spread out those losses over 18 years, eliminating or reducing his tax liability along the way....

Definition and Examples of Undervalued Stock An undervalued stock seems to be trading lower than what might be considered its fair value. Undervalued stocks are often part of the value investing strategy. While not everyone necessarily agrees on what a stock’s price should be, sometimes investors see misalignments between current prices and what the financial fundamentals of a company indicate. For example, a company might have a very low price-to-earnings (P/E) ratio, perhaps lower than similar competitors....

This type of debt can easily get ahead of you, however, wreaking havoc on your finances and your credit score. Read on to learn more about how to use your credit card wisely and stay ahead of the credit card debt trap. Definition and Examples of Credit Card Debt Credit cards offer a line of credit that you can use without restriction until you reach the limit, as long as you make a minimum monthly payment....

Another scenario where you could receive Form 1099-G is when you received a state or local tax refund, credit, or offset. That doesn’t necessarily mean you’ll owe taxes—you’ll only need to report that money on your tax return if you received a federal tax deduction for paying those taxes in a previous year. Who Uses Form 1099-G? Federal, state, and local governments file this form when they make payments for:...

Alternate name: The DAX Index; the DAX How Germany’s DAX 30 Index Works The DAX is a part of the DAX Index family. It’s sponsored by the Deutsche Börse Group. The index was published on July 1, 1988. Many DAX constituents are large multinational companies that have a high level of significance to the global economy in addition to the German domestic market. The index represents 80% of the total market cap of listed German stock corporations, making it an important benchmark for domestic and international investors....

The money becomes income and can be taxed when the lender cancels the agreement requiring you to repay it. Form 1099-C reports this income and various details regarding it, and you’ll receive a copy. The IRS receives it as well, and the government expects you to include the income on your tax return. Who Uses Form 1099-C? The IRS requires that businesses send Forms 1099-C to consumers when the lender cancels or forgives more than $600 in debt....

Data is collected from a sample of employers each month. This sample comes from a database of about 9.1 million businesses that provide a good or service. This can include factories, mines, stores, or offices. JOLTS collects a number of data points from these businesses. The first is job openings, which counts the number of unfilled jobs on the last business day of the month. To count as a job opening, the role must meet three conditions: The position must exist and work must be available for it; the job could begin in 30 days; and the establishment must be actively recruiting workers from outside its location....

The money supply includes forms of credit, cash, checks, and money market mutual funds. The most important of these forms of money is credit. Credit includes loans, bonds, and mortgages. In a recession, central banks might combat high unemployment by giving banks more money. Banks in turn lower interest rates, which allows businesses to hire more employees. This is an example of expansionary monetary policy. How Does Monetary Policy Work?...

For example, if you buy a bond with yield rates that are falling over time, you risk a lower yield rate if you want to reinvest those funds in the same bond after it matures. How Reinvestment Risk Works Suppose that an investor constructs a portfolio of bonds when prevailing yields are running at around 5%, and among their bond purchases, the investor buys a five-year $100,000 treasury note, expecting $5,000 per year in annual income....

Supplemental health plans may pay benefits to either the insured person or to the health care provider. The amount that’s paid and how it’s paid out will depend on the plan. These are a few types of supplemental health policies. Critical Illness or Disease-Specific Insurance This type of plan often provides a cash benefit paid to you if you need treatment for a certain disease such as cancer. You can spend the cash any way you choose if it doesn’t go to your care provider....

MoMo Productions / Getty Images The AMT was implemented in 1969 when Congress realized that high-income earners were whittling away at their taxable incomes to such an extent that they were paying virtually no income tax at all. Who Uses Form 6251? The Internal Revenue Code provides exemptions all taxpayers can claim against their incomes to determine if they’re liable for the AMT. You only need to use Form 6251 and calculate your AMT if your income exceeds certain thresholds....

For example, suppose Tyra is thinking of trading in her 2017 Prius for a newer model. She wants to make sure the dealership doesn’t lowball her car’s value, so she looks up the Blue Book value of her car. The Blue Book tells her $16,972 is a fair trade-in value for her car in its condition, so now she knows what to negotiate for at the dealership. How the Blue Book Works The Blue Book is updated at least weekly and can be used to browse listings, get pricing information, and find out more about your favorite cars....

But your former employer doesn’t have the final word on whether you are eligible for benefits. You can file an appeal with your state unemployment office. If your appeal is granted, you may be able to recoup the money. However, it’s essential to know how the process works in order to maximize your chances of winning the appeal. Here’s information on when an employer can contest an unemployment claim and how to handle it if it happens to you....

Raises are not guaranteed. Some organizations are proactive with salary increases and review employee performance at regular 6- or 12-month intervals. However, there’s no guarantee that a positive performance review will net an increase that significantly boosts your pay. If you want to earn more money, you need to be prepared to negotiate. How Often To Ask for a Raise In most cases, you shouldn’t ask for a raise more than once a year....

In most cases, the answer is no. Generally, the decedent’s estate is responsible for paying any outstanding debts. Exceptions exist, however, such as if you’re the surviving spouse and you live in a community property state, or if you cosigned on a particular debt, but for the most part, heirs don’t “inherit” debt. Responsibility for paying off the deceased’s bills and in what amounts depends on state law and whether the decedent’s estate is solvent....