Morsa Images / Getty Images Specifically, the pandemic relief package increases the subsidies for Obamacare health insurance and makes them available to more people by raising the income thresholds for eligibility through 2022. Those who already have coverage through a government-run marketplace should update their application to see if they qualify. (In most states, you can do this as of April 1.) And the expanded subsidies are available to any new enrollees, too....

Read below for more detailed tips on writing a high school resume. You’ll also find a downloadable resume template that lists the information you should include in your high school resume. Use this template to generate a list of information to include on your own resume. What to Include in Your Resume Emphasize your education: As a current student, you want to emphasize your education. Put your education information at the top of your resume....

No project recoups all the money you dump into it, but some come close. Let’s look at some of the most common home projects and what you can expect back after you invest your time and money. No Increase in Value From Maintenance First, keep in mind the difference between home improvements and home maintenance. Replacing your old, broken-down furnace does not increase your home’s value. It just makes it possible to sell the home....

Here’s a quick look at the most significant economic indicators of the day and what they tell us. Existing Home Sales The pace of home sales fell for the third month in a row. Expressed as an annualized rate, 5.61 million existing homes sold in April, 2.4% fewer than in March and the least for any month since June 2020, according to the National Association of Realtors. In turn, the number of unsold homes reached 1....

Come retirement, you can withdraw your Roth IRA funds, and your contributions and earnings won’t count as taxable income. This is because you make contributions to a Roth IRA with money that is already taxed. Roth IRAs are often appealing to people who are newer in their careers and whose income tax rate is likely on the lower side. If you’re investing in a Roth IRA to help prepare for retirement, you may want to know more about how dividend investing works with this type of savings account and if it’s the right path for you to take....

Think of it like doing all your child’s homework for them. Your child will fail when it’s time to take a test because they haven’t been doing the work themselves. The basic steps are to instill a solid financial foundation, teach how credit works, then help your kid get hands-on experience with a credit card of their own. Start With Banking Basics Establishing a good banking history can help your child build a strong financial foundation and begin building money management skills....

The Coronavirus and Your Credit Score Contracting the coronavirus won’t hurt your credit score since your medical history isn’t part of your credit score. However, financial hardship stemming from job loss or pay reduction during the outbreak of COVID-19 may cause you to miss payments or rely on your credit cards more than normal. Unfortunately, any credit score damage may be felt for years to come, since negative credit report information hangs around for up to seven years....

Collectors trying to collect phantom debts are actually violating the Fair Debt Collection Practices Act, which is the federal law that governs third-party debt collectors. They are not allowed to “misrepresent” the amount you owe and saying you owe a nonexistent debt does just that. We have so many financial transactions in a lifetime, it’s hard to mentally keep track of them all. Dishonest debt collectors use that to their advantage....

Are Paid Sick Days Required by Law? Historically, sick days have been a common perk that employers voluntarily provided. There is no federal law requiring employers to offer paid sick leave, but 18 states and Washington D.C. have either state or local laws in place that require employers to provide some form of paid time off for employees who are sick. In 2006, San Francisco became the first city in the U....

But while this program makes it even easier to use your rewards, it may not be the best way to redeem them. What Is PayPal’s Pay With Rewards Program? The PayPal Pay With Rewards program allows eligible credit card holders to link one or more of their credit cards to their PayPal accounts and use their cash-back points or miles to pay for online purchases there instead of paying out of pocket....

What Pet Health Insurance Covers There’s no standard coverage among insurers, and options vary depending on the type of plan you choose. You may see coverage offered for: Unexpected injuries or mishapsTreatment of illnessesTesting and diagnosticsPrescription drugs, foods, and supplementsSurgical and other medical proceduresPreventive care, such as annual exams and medicines for flea, tick, and heartworm preventionBehavioral or alternative therapies You often have the choice between accident-only and accident-and-illness policies....

But how do you know when it’s the right time to introduce savings accounts to kids? And how can you help them learn how to manage it responsibly? These kinds of questions are a good starting point for teaching kids about money. The Importance of Savings Accounts for Kids Opening a savings account may seem like something you can put off until kids are older, but there are benefits to doing it early....

What Makes the U.S. Stock Market Attractive U.S. financial markets are very sophisticated and make it easier to take a company public than in other countries. Information on companies is also easy to obtain. That raises the trust of investors from around the world. As a result, the U.S. stock market attracts the most investors. It’s an attractive place for U.S. companies to go when they are ready to grow....

But while these questions are typical, the answers aren’t always as simple as they seem. What’s the best way to describe yourself? What words should you use when you respond? Answer the wrong way, and you might come off as unprepared, arrogant, or less than confident. What the Interviewer Really Wants to Know Employers ask you to describe yourself for a couple of reasons. First, they want to see whether you will be a good fit for the position and the company culture....

One way for an interviewer to gain this perspective is to ask you an open-ended question such as, “Tell me something about yourself that isn’t on your resume.” If you get this question, it’s an opportunity to choose the most compelling information to share that is not obvious from your resume. It is often asked as a follow-up to one of the most common interview questions, “Tell me about yourself....

Both who and how you ask for a recommendation for a job are important. You need to be sure that the person who is recommending you for employment is willing and able to give you a good reference. In addition, you shouldn’t give out anyone’s name as a reference without their permission. The individual who is giving you a reference needs to know ahead of time that they may be contacted regarding a reference for you....

Unfortunately, businesses for sale are like used cars; there are lots of them out there, but some of them are lemons. To avoid getting stuck with a bad bargain, you need to fully investigate the business you’re thinking of buying. Here’s how you can tell if that small business for sale is a good deal or a clunker. Do Your Due Diligence When you’re considering buying a business, remember the seller is out to make the sale....

However, if you want to change the job fields, you’ll face a larger challenge. The job experience and training you currently have can help you, but you may need to do more to transition into a different career field. Learn what to do when you decide to change career fields. Decide Your Next Move First, you should decide your next move, field-wise. Some fields such as the medical profession, accounting, or information technology may require specific technical training for you to complete before you can begin working....

Then, there are all the different options to consider, plus add-ons and extra costs. There are a lot of small choices involved in picking a plan. And which plan you choose can have high stakes for the loved ones you leave behind. In 2020, only 54% of adults had some form of life insurance. That’s down 9% over the last decade. For the other 48%, their family and loved ones might be left without a way to pay for things like funeral costs or debt if the worse happens....

How Much Is the Credit Worth? The Lifetime Learning tax credit is equal to 20% of the first $10,000 in tuition expenses you pay per year, up to a maximum credit of $2,000, regardless of the number of individuals for whom you paid qualified education expenses. The Lifetime Learning credit isn’t restricted to the first four years of undergraduate enrollment, and the student doesn’t necessarily have to attend full time. This means you might still be eligible if you took only one class....