This article describes whee to get W-2 forms for employees, 1099-NEC forms for non-employees, and other types of 1099 forms. Forms for Types of Payments To report payments to employees, you must give them Form W-2, the annual wage and tax form they will need to complete and file their income tax returns. All non-employee payees receive a 1099 form. There are several types of 1099 forms you might need to give to someone, including:...

It’s imperative to verify your CLUE report is correct; inaccurate information could keep you from getting the best rates, or even mean you’re denied a policy. Below, we’ll break down this report in more detail so that you understand how it affects you. We’ll also explain how to get your free copy. What Is a CLUE Report? CLUE stands for “Comprehensive Loss Underwriting Exchange.” It’s a claims-history database created by LexisNexis, a consumer reporting agency that uses data and advanced analytics to help its customers make informed decisions and better manage risk....

Get Support Being demoted is painful - you can feel rejected, unwanted and unappreciated. You may need to seek support from friends, family and/or counselors outside the workplace, in order to share and address your feelings. As with any loss, it will take some time to work through these emotions before initiating a strategy to move on with your career. Should You Look for Another Job? You may need to decide whether to stay with your current employer or find another job....

If you put $1 away at age 20, that dollar would be worth $21 by age 65, assuming an average 7% return over the years.If you wait until 30 to invest that same $1, it will be worth $10.68. Start at 40 and you will have $5.43.Wait until you turn 50 to invest that same $1 and you’ll get a measly $2.76. So a dollar invested at age 20 is nearly twice as productive as a dollar invested at 30, and 7....

So if you’re going to borrow money to purchase a car, it’s important to shop around for the best loan possible. Many people automatically assume that your best option for a car loan is at the dealership, but you can often find better rates elsewhere. Determine How Much You Can Afford to Spend Once you decide that you want to buy a car, you should determine how much you can afford to buy....

Here’s a rundown on growth funds and some good choices for growth fund beginners. What Are Growth Funds? Growth funds are mutual funds or exchange traded funds (ETFs) that hold growth stocks. These are stocks of companies expected to grow faster than the overall stock market. It’s critical to understand the differences between growth stocks—and the funds that invest in them—and value investing. If you invest in growth stocks, you’re buying stocks of companies in the growth phase....

To use support and resistance effectively, you first need to understand how asset prices typically move, so you can then interpret support and resistance from that framework. You also need to be aware that there are different types of support and resistance, such as minor and major/strong. Minor levels are expected to be broken, while strong levels are more likely to hold and cause the price to move in the other direction....

Using a credit card may be an option for some families, but taking on debt may ultimately add to your worries and prevent you from relaxing. Saving up beforehand is another option for financing your vacation.You can set aside the cost of the trip months in advance in a special, dedicated vacation savings account to help eliminate a bit of the planning stress. It’s relatively quick and easy to open a new account and to start saving for the next destination on your bucket list....

Market profile charts use standard market data so they don’t require level 2 market data (i.e., highest bid, bid size, lowest ask, ask size). Market profile charts are sometimes known by other names, such as Sierra Chart’s TPO (time price opportunity, depicted by letters in the graph), the Sierra chart scale, or volume profile charts. How to Read a Market Profile Chart Market profile charts display the price on the vertical scale (y-axis)....

But with some rewards programs, you can earn even more rewards by shopping through an online shopping portal. In fact, in many cases, you can earn rewards by shopping through a portal no matter which credit card you use. Shopping with a credit card in the same program is just a great way to maximize your reward opportunities. If you’re in a loyalty program, and especially if you have a credit card within the same program, these online shopping portals should be on your radar....

Hyperinflation is very rare. In 2022, the U.S. has experienced heightened inflation; as of May 2022, consumer prices have risen around 8% year-over-year. Although this uptick is alarming, and indeed has had serious consequences for many Americans, it is a long way off from hyperinflation. The severity of cost increases distinguishes it from the other types of inflation. The next worst, known as galloping inflation, sends prices up 10% or more per year....

In a report released on Tuesday, the organization of 190 countries cut its economic growth outlook for the U.S. this year to 5.2% from 5.6% in July and trimmed its global forecast to 5.9% from 6%. It said U.S. growth was being hampered partly by supply disruptions and softening consumer spending, while other parts of the world where COVID-19 vaccination rates remain low see a darker outlook as they continue to grapple with infection rates....

Types of Business Property Business property comes in several different types. Real Property Real property, also called real estate, is property that includes land and buildings, and anything affixed to the land. For a business, real property would include warehouses, factories, offices, and other buildings owned by the business. Real property only includes those structures that are affixed to the land, not those which can be removed, such as equipment. Real property may also be determined to include:...

What Is Indexed Universal Life Insurance? Indexed universal life insurance (IUL) is a form of insurance that uses a market index to calculate any cash value growth in the policy. For example, the cash value growth might depend on the movement of the S&P 500 index, excluding dividends. You generally don’t lose money with IUL, but you generally don’t participate in 100% of the gains, either. For example, if the index your policy is tied to returns 7%, your cash value might only be credited 4%, depending on the specifics of how your policy credits interest....

The Balance analyzed inflation data from the Labor Department and pricing details from several sources for popular items people buy to celebrate Halloween, including candy, costumes, movies, and alcohol. Carving pumpkins and making jack-o’-lanterns will be a more expensive activity as the price of pumpkins has risen nearly 5% since Halloween of last year, the next biggest increase on the list. Prices throughout the economy have risen 8.2% since last year due to inflation, forcing consumers to shell out more money on not just necessities, but also on holiday celebrations....

The Consumer Price Index this April was 8.3% higher than last April after it increased 0.3% over the month—more than the 0.2% economists forecast, but far less than the 1.2% increase during March, the Bureau of Labor Statistics said Wednesday. A temporary decline in gas prices (the national average just reached a new record high this month), along with a drop in used car prices helped the headline rate avoid reaching a fresh 40-year high....

Eligibility for the Federal Tax Refund Offset Program Not all delinquent child support cases are eligible for the Federal Tax Refund Offset Program. In order for an individual’s tax refund to be intercepted for unpaid child support through the program, certain minimums apply. If the child support recipient receives Temporary Assistance for Needy Families (TANF), child support must be at least $150 in arrears. If the recipient does not receive TANF assistance, child support must be at least $500 in arrears....

If you’re applying for a retail or customer service position, for example, a common job interview question is, “What is customer service?” Here’s information on why interviewers ask this question, and on how to prepare and give a good response. You’ll also find examples of strong answers to the question. What the Interviewer Wants to Know An interviewer asks the question, “What is customer service?” for a couple of reasons....

The IRS has audited fewer returns since 2010 due to federal budget cuts that have affected staff size. According to a 2022 General Accounting Office report, only 0.25% of all individual returns were audited in 2019, down from 0.9% in 2010. That said, taxpayers commonly make a few mistakes that increase the chance that an agent will take a second look at their returns. IRS Computer System The IRS has a computer system called the Discriminant Information Function (DIF) that’s specifically designed to detect anomalies in tax returns....

Gianforte’s move, meant to encourage people to get back into the workforce, highlights an ongoing debate about whether the government programs make it appealing to be unemployed, acting as a disincentive to seeking work. (Some academic studies have found it’s not.) There is a labor shortage in Montana, the governor said, and the state’s unemployment rate has dropped back down to 3.8%, near pre-pandemic lows. “Montana is open for business again, but I hear from too many employers throughout our state who can’t find workers,” Gianforte said in a statement....