How to Do Sign a Check to Someone Else To sign a check over to another person or to a business (“third-party check”), verify that a bank will accept the check. If you get approval, endorse the back of the check by signing it. Some banks require you to write “Pay to the order of [person’s first and last name]” under your signature, and others only require the person who is depositing it to sign their name under yours....

Consolidated Omnibus Budget Reconciliation Act (COBRA) insurance coverage was designed to provide people with a way to keep their existing health insurance for a period of time, until their new coverage takes effect. How Do You Qualify for COBRA? To be covered by COBRA: Employers often meet the standard if they have more than 20 full-time employees. Churches and some other organizations, as well as health plans sponsored by the federal government, are exempt....

It’s important for both employees who identify as LGBTQ+ and their allies to work in an environment that values inclusiveness. Almost half of employees that are part of the LGBTQ+ community won’t work at a company without LGBTQ+-inclusive benefits. Working in an environment that is not supportive can be difficult. One in three employees who identify as LGBTQ+ have not come out at work to avoid discrimination, and 24% haven’t come out at work to avoid their gender identity and sexual orientation impacting career opportunities....

On average, the cost of studying abroad ranges between $7,000 and $15,000 per academic semester. While student loans, study abroad scholarships, and grants may cover some of that, there is another option. If you’ve contributed money to a 529 college savings plan for college expenses, those funds can be used to pay study abroad expenses, too. Using a 529 Plan To Pay for the Cost of Studying Abroad 529 plans are designed to offer a tax-advantaged way to save for qualified higher education expenses at eligible colleges and universities....

You would essentially sign the deed over to them, and your lender releases you from the obligation to make any further payments toward your mortgage loan. How a Deed in Lieu of Foreclosure Works A DIL transaction is a way to get rid of your home if you find that you’re unable to afford your mortgage payments, you can’t get a loan modification, and you’re unable to sell your home....

While the original intent of Slack may have been to further communication within a company, the app can also be useful for networking and other job search tasks, including learning about industries, connecting with recruiters, making new connections, and finding job opportunities. Here’s how to use Slack for career networking, connecting with hiring managers, getting job leads, and job searching. Slack Communities Are a Gathering Place Many social media platforms offer a way to gather with like-minded people....

Here’s all the information you need to write a cover letter that will get your job application noticed. Review these tips for what to include in a cover letter, how to format it, and examples of many different professionally written cover letters. What Is a Cover Letter? Before you start writing a cover letter, you should familiarize yourself with the document’s purpose. A cover letter is a document sent with your resume to provide additional information on your skills and experience....

Choose a Listing Agent A listing agent represents you and has a fiduciary responsibility to look out for your best interests. Interview agents and meet with at least three of them as you make a decision. Try to hire based on experience. Ask questions about your listing agreement, including the length of time the home will be listed and the commission you will pay for the agent’s services. Will you also be paying the buyer’s agent commissions?...

Thomas Barwick /Getty Images Among the 26 S&P 500 companies that had mentioned “inflation” on their earnings call with company executives as of Friday, the average number of mentions more than quadrupled from the year-ago period—the largest increase since at least 2004, data supplied by the analysts shows. Historically, the Consumer Price Index (CPI) has moved in tandem with the number of inflation mentions, lagging by three months or so, they said in an accompanying research report released Monday....

If there are only internal candidates, the process may be less formal and more like a meeting or a discussion with the hiring manager. You might not even formally need to apply for the job. Otherwise, it may involve a formal application and a formal interview process with the hiring manager, company management, and other employees. After you apply for a job within your company, the next step is the interview....

This strategy offers profitable returns on unleveraged equity in a highly volatile market; however, it is an advanced trading strategy generally not advised for novice investors. Learn how seasoned investors use options to generate returns in an environment when other investors are losing money. It helps to review what causes stock sell-offs first and then learn about trading sell to open put options. Panic After the Peak Many investors feel uneasy when the stock market peaks and begins an inevitable downward trend....

Monty Rakusen / Getty Images The vast majority of bankruptcy cases are filed by people and entities voluntarily, meaning that the individual or company suffering financial difficulty will make the decision to file a bankruptcy case and will initiate the case by filing a voluntary petition with the bankruptcy court. Other types of bankruptcy are not available. Involuntary bankruptcies are authorized under the U.S. bankruptcy code. How Involuntary Bankruptcy Works Not all entities can be put into an involuntary case....

An S corporation is a pass-through tax entity. Ultimately, its income, losses, gains, credits, and deductions are passed down to its shareholders to be reported and claimed on their personal returns. What Is IRS Form 1120S? S corporations avoid the double taxation that hits C corporations when they file Form 1120S and pass taxation of their profits to their shareholders. These shareholders can then pay taxes on the resulting income at their own personal tax rates rather than the corporate tax rate....

How To Use a Debit Card Online Using a debit card for an online purchase is much the same as using a credit card: Unlike purchases at a checkout counter, you will not need to provide your PIN. Online purchases will be processed as a “credit” transaction, and funds will be deducted from your checking account, typically two to four days later. Benefits of Using a Debit Card Debit cards are good tools for keeping your costs low and managing your money....

It’s Your Money offers a variety of spreadsheets to download. These free or low-cost personal finance spreadsheets work with Excel, not Quicken or other personal finance software. Use them if you prefer the customization possible with spreadsheets, or if you are unwilling or unable to pay for financial software. Check Register Spreadsheet The check register spreadsheet can be used for all account types, not just checking, and is meant to help you track all of your account transactions and balances in one place....

Rising prices of barbecue meats, such as chicken wings, and propane fuel means you can expect your Fourth of July celebration to cost nearly 7% more this year, according to The Balance’s analysis of the latest inflation data from the Bureau of Labor Statistics’ Consumer Price Index (CPI), and USDA MarketNews Retail data. Prices are rising at a pace not seen in the past 40 years, and after making summer plans like travel and weddings more expensive, inflation is now taking a big bite out of Fourth of July festivities....

Revenue Like any small business owner, you track your revenue consistently to make sure that your income maintains a steady pace. However, when you look at revenue as a KPI, you are more concerned with trends than specific numbers. For example, your revenue may trend downward at the end of each month, indicating the need for a new marketing strategy to boost those slow times. When revenue increases, you can pinpoint the reasons and maintain the trend....

Not only are the pandemic-era expansions to unemployment programs long gone, but high inflation this year means the standard benefits won’t go as far. A growing number of states have actually cut or are moving to slash the time you can collect benefits, or the amount of money they give, to below pre-pandemic levels. Millions of gig workers and contract workers were covered by the emergency pandemic program, but are once again left out as they were before the pandemic....

To clear up this issue, it’s helpful to explain the annuity as two separate phases. The first is the investment’s accumulation phase, and the second is the payout phase. The Accumulation Phase The TIAA Traditional Annuity works differently when you contribute money during the accumulation phase than when you switch over to taking your money out (the “payout phase”). In the accumulation phase, the annuity guarantees the protection of your principal and you earn a guaranteed minimum interest rate while also earning additional interest....

The assistance, which is for anyone in a household where someone collected or was approved to collect at least one week of unemployment benefits at any point in 2021, helps to buy plans on government-run Affordable Care Act marketplaces, also known as Obamacare. Not only are zero-premium plans available, but those who enroll can also save money on out-of-pocket expenses such as deductibles and copays. Enrollment for the program began July 1 and those who sign up before August 15 will save the most, the Department of Health and Human Services’ Centers for Medicare & Medicaid Services said in a statement last week....