To prepare for a science career, you will have to study either life or physical science. Life sciences involve learning about living organisms and include subjects like biology, biochemistry, microbiology, zoology, and ecology. Physics, chemistry, astronomy, and geology are all physical sciences, which deal with the study of non-living matter. Here are 12 science careers. The U.S. Bureau of Labor Statistics (B.L.S.) predicts that employment in most of these occupations will grow at least as fast as the average for all occupations between 2020 and 2030....

Even though each month brought more bad news about the housing market, economists couldn’t agree on how dangerous it was. Definitions of recession, bear market, and a stock market correction are well standardized. The same is not true for a housing market slump. The research did show that price declines of 10%-15% were enough to eliminate most homeowners’ equity. Without equity, defaulting homeowners had little incentive to pay off a house they could no longer sell....

The 25 insurers that sell the most workers’ comp insurance in the U.S. appear in the list below. The source of the data is a list published by the National Association of Insurance Commissioners (NAIC) in March 2022. The NAIC is an advisory organization that sets standards and provides regulatory advice to state insurance departments. How Workers’ Comp Premiums Work The insurers on the top 25 list appear in descending order based on direct written premiums generated in 2021....

The most common reasons for being penalized are withdrawing money from your retirement account before you reach age 59½, making contributions above the amount permitted in a given tax year, and failing to take annual withdrawals from your account after you reach the age of 70½ or 72, depending on when you were born. You can also expect to pay tax on any unrelated business taxable income (UBTI). You risk losing retirement income through fees if you invest in funds that charge a high percentage of your account balance to manage your money....

Therefore, as a small business owner, it is essential to separate the business from you and treat it as a separate entity. First, obtain a Federal Tax ID and select the entity structure of your business. The company’s ID Number will be used to register with the business credit reporting agencies such as Dun & Bradstreet. Establishing a business credit report for your company has different benefits, such as getting low-interest rates on loans and positioning your company to get favorable payment terms from suppliers....

Knowing exactly what needs to be included in a business proposal is crucial for winning a contract for your small business. Unlike a business plan, which is designed to direct strategy and raise capital, a business proposal is a bid-specific sales pitch to earn more work. The two primary types of business proposals are solicited and unsolicited proposals. Solicited Business Proposals A solicited business proposal is one that is requested by the potential contract holder....

1. Cash Flow Issues If you are paid once a month, you may experience times of feast and famine financially. If your bills are due at the beginning of the month, you may see the majority of your money disappear in the first week or two and then struggle to cover groceries by the end of the month. Waiting on your next paycheck to make ends meet can cause a lot of stress and anxiety....

Check the Network Before You Travel If you have a debit card with a Visa or MasterCard logo, you should have a pretty easy time using your debit card in Europe. Your debit card will also have the symbol of a debit card network like PLUS, Cirrus, or Maestro. When you’re using your debit card at an ATM—which is often the most convenient and cheapest way to get cash when you’re traveling in Europe—check for these symbols to be sure your card is compatible....

Here’s what you need to know about index funds and when they make sense as an investment choice. What Is an Index Fund? An index contains a basket of stocks, bonds, or some other security. These securities are grouped according to rules, such as geographic region, the size of the business, or what the company does. You can’t invest directly in an index, but you can invest in an index fund....

In addition to a lower rate, there are a few surprising benefits—and potential pitfalls—where multi-vehicle policies are concerned. Let’s look at the definition of a multi-car insurance policy, how to get one, how much they could save you, and more. What Is a Multi-Car Insurance Policy? A multi-car insurance policy is a policy with several cars, trucks, or other vehicles on it. When you bundle vehicles, you can save money....

Learn the health insurance enrollment deadline under Obamacare, plus a timeline of the ACA’s history and efforts to block it. The Enrollment Deadline You Need to Know The open enrollment period is Nov. 1 to Jan. 15 each year. Coverage begins on Jan. 1 if you enroll by Dec. 15 and have paid your first premium. The health insurance exchanges make it easy to get Obamacare in four simple steps: create your account, apply for coverage, pick a plan, and enroll....

What Is an E-Commerce Business E-commerce refers to the use of the internet to place an order or to negotiate the price and terms of a sale. Although people typically think of e-commerce as a way to sell goods and services to consumers, it is also used in business-to-business (B2B) transactions. The COVID-19 pandemic fueled an increase in online spending that has continued to grow. FTI Consulting projects that U.S. online retail sales will reach more than $1 trillion in 2022....

For example, if the pound (GBP) has a 5% interest rate and the U.S. dollar (USD) has a 2% interest rate, and you buy or go long on the GBP/USD, you are making a carry trade. For every day that you have that trade on the market, the broker will pay you the difference between the interest rates of those two currencies, which would be 3%. Such an interest rate difference can add up over time....

With a stock, in a very short period of time, your money could double quickly, or it could be worth almost nothing. Contrast that with an index mutual fund, which owns many stocks in the index it tracks. With the fund, you’re unlikely to see your money double quickly, nor are you likely to see your share price go down to zero. Stocks Vs. Funds Let’s look at an example by comparing the purchase of an individual stock to the purchase of an index fund....

The U.S. Social Security Administration (SSA) expects to distribute over $1 trillion to retirees each year. Beneficiaries can receive an amount based on a percentage of their pre-retirement income as soon as they turn 62. As of October 2021 (the most recently available month), the average Social Security check benefit for retired workers was $1,562.66 per month. However, that might not be enough to cover basic living costs, so it’s important to learn ways you can receive more....

The “Learn the Basics” modules are the first in a series to help customers understand the fundamentals of investing before making their first trade, the company said in its blog. The course explains why people invest, what the stock market is and how it works, and how to define investing goals. The new in-app tools complement the company’s online resource hub “Robinhood Learn,” which offers articles on financial terms, concepts, and timely market trends....

Defining a Short Sale A successful short sale means the seller’s lender is willing to accept a discounted payoff to release an existing mortgage. Just because a property is listed with short sale terms does not mean the lender will accept your offer, even if the seller accepts it. That’s because sellers need to qualify for a short sale. If their agent sells very few short sales, that’s a red flag for your buyer....

Here’s a guide to what’s involved. Naming Primary and Contingent Beneficiaries Most retirement plans, annuities, and life insurance policies ask you to designate beneficiaries to let you decide what should become of your assets in the event of your demise. The primary beneficiary (or beneficiaries) inherit first. If they pass away before or with you, your assets would instead go to any secondary beneficiaries you have designated. These secondary beneficiaries are often referred to as “contingent beneficiaries” on account forms....

What’s worse is when the lender takes away your vehicle, and you learn that you still owe them money. If your car has been repossessed and sold for less than what you owe on the loan, the difference is called a deficiency balance. There are several ways that you can pay it back. Deficiency Balance When your car is repossessed, it does not mean that you are released from repaying the loan you took out to buy the vehicle....

When Europe is open for business, pairs that involve the euro (EUR) or British pound (GBP) are more actively traded. When the U.S. and Canada are open for business, pairs that involve the U.S. dollar (USD) and Canadian dollar (CAD) are more active. If day trading the EUR/USD, the times that are likely to be most active for the pair, on average, will be when exchanges in London and New York are open....