But when you have a conversation with your manager about going part-time, it’s best to keep the focus on the company’s needs, not your own. You’ll need to make a case for why the company will benefit from you going part-time—even though you’ll be less available and working fewer hours. Your excellence as an employee can be a big part of your case, because finding and training a new employee, and getting them up to speed, are a hassle, and your institutional knowledge and skills are likely hard to replicate....

Personal finance, in particular, has recently become a hot topic on social media. The hashtag personal finance (written as #personalfinance) has been used on more than 1.7 million Instagram posts as of November 2021. And on the popular video service app TikTok, videos with that same hashtag have been viewed nearly 5 billion times. With the growing interest, partially spurred by GameStop’s Reddit-fueled fame, comes the opportunity for people to share their money advice, be it great, bad, or downright awful....

Berkshire Hathaway Chairman and CEO Warren Buffett created a metric for the average investor known as “look-through earnings” to account for both the money paid out to investors and the money retained by the business. The theory behind the look-through earnings concept is that all corporate profits benefit shareholders, whether they are paid out as cash dividends or plowed back into the company. Successful investing, according to Buffett, is purchasing the most look-through earnings at the lowest cost and allowing the portfolio to appreciate over time....

Once you view your balance, be sure you understand the difference between the account balance and your available balance. 6 Easy Steps to Check Your Bank Balance 1. Log In Online You can check your account balance online anytime—and much more. To get started, navigate to your bank’s website and access your account information. You can also use a mobile app, as described below. In most cases, you’ll look for an option like “Login” or “Account Access....

An unprofessional resume—one that is difficult to read, confusing, covered in errors, or unrelated to the job the person is applying for—will get tossed in the trash right away. Hiring managers often get dozens, even hundreds, of applicants for each job. An unprofessional resume makes you look unprofessional as a job seeker and will cost you a possible interview. Sloppy resumes that are riddled with typos will be ignored and resumes that are inconsistent —bullets in some places, dashes in others, bold in some headings, plain text in others—may not get a second look either....

If you have a target list of companies, you can go online to discover information about the employer, review open positions, and find connections to help you apply for employment and get a job offer. The internet makes it easy to find detailed information about potential employers. Discover the benefits of creating a targeted list of companies, along with tips for how to get started. Why It’s Worth It to Target Companies It’s important to take the time to research companies....

Job Searches Will Vary What’s the best way to find a second job? It depends on the type of job you’re looking for—part-time, freelance, gig, etc.—where you want to work, and how you want to supplement your income. For some jobs, you can apply online—and work online, as well. For others, when you will be working in a physical location, you may be able to apply online, or you may need to apply in-person or use your contacts to help you find the right employer....

Finding a job in your area takes an array of strategies, including utilizing job search sites that focus on local jobs, researching local community boards, visiting career fairs in your city, and checking out your local alumni association or its website. Read on for more detailed tips on where to look to find jobs at companies in your area. Tips for Finding a Job in Your Area The best way to find employment in your town or city is to use multiple strategies at once....

Different From a Resume There are many differences between a CV and a resume, and these differences will help highlight the different formatting of a CV. A CV normally contains much more personal information than a resume does. CVs also are very education and research-focused, where a resume is much more focused on summarizing your work history. A CV will not contain an objective and will not have a narrative profile....

The main qualification for a home equity loan is having equity (ownership) in your home. But almost as important is having a good credit score. A poor score below a lender’s average may not necessarily disqualify you from taking out this type of loan, but it could make it more difficult to land one. You’ll want to be prepared to obtain a home equity loan with bad credit by keeping some considerations in mind....

What Documents Do You Need to Get Car Insurance? Vehicle Information Of course, your insurance company wants to know what car they are insuring. You’ll need to have your vehicle identification number (VIN). This is often found on the driver’s side of the dashboard; the easiest way to spot it is to look through the windshield. It might also be inside the door frame on the driver’s side. It is also noted on your car’s title and existing car insurance policy if you have one....

If you have a few companies that you’d really like to work for, make a point of keeping them on your radar—and getting on theirs—even before you start the job application process. How to Find Companies You Would Love to Work For If you don’t have a list of employers yet that you’d be thrilled to work for, take some time to determine what characteristics your ideal employer would have, were you choosing which company to work for....

If possible, ask your human resources department or check your policy documentation to find out how long you have health insurance after your last day of work. What Is COBRA? The Consolidated Omnibus Budget Reconciliation Act, or COBRA, allows you to continue your current employer-provided health insurance for a certain amount of time if you’ve been laid off, lose hours, change jobs, and a few other circumstances. However, your premiums will likely be more expensive than what you were paying when you were employed, because your employer typically pays for a certain portion of your premiums....

Regardless of why you’ve changed your name, a name change mid-career comes with a whole new set of complications beyond updating driver’s licenses and credit cards. For example, you will need to plan on how you’ll list it on your resume and job applications. Here’s how to handle a name change on your resume, with options for what to list, and examples. Do You Have to Include Both Names on Your Resume?...

Are you new to silver investing? If so, there are some pitfalls to watch out for. Before you invest, learn the strategies for buying precious metals. Why Invest in Silver? Some people love silver because its standing as a precious metal to invest in is second only to gold. Still, silver is much cheaper than gold. The gold-silver price ratio averages around 47 to 1. Silver as an investment offers advantages that are similar to those of gold....

But what would happen if you were to split that monthly payment up and make biweekly payments instead? Surprisingly, you could save yourself tens of thousands of dollars in interest charges and achieve mortgage debt freedom sooner. Here’s how to make biweekly mortgage payments work for you. How Biweekly Payments Work Generally speaking, the premise of making biweekly mortgage payments is simple. Instead of paying once a month, you pay half your monthly mortgage amount every other week....

Of course, you can always wait and send payment when you file your tax return for the year, but you’ll likely owe interest and penalties at that point. The IRS wants you to pay as you earn. The Schedule for Estimated Payments Your employer would submit your taxes to the IRS on your behalf after deducting them from your pay, and it would do so according to certain deadlines. The IRS wants you to follow a similar schedule if you’re self-employed, or if it looks like the deductions from your pay won’t be enough to cover your entire tax bill come April....

All of the ideas below are ways you can bring in more revenue for your business without spending a lot of money to do it. Rent Out Part of Your Business Premises If you own or lease commercial space, do you really need all of your current space? If not, you can make more money by renting out some of your space to another business. There are a lot of small businesses that only need a corner or cubicle....

Although Medicare Part A, which covers some level of hospitalization, is free (assuming you worked in the U.S. long enough to qualify), the bulk of Medicare coverage is not free. You’ll pay premiums for Medicare Part B, and for supplemental insurance or prescription plans. In addition, you’ll have out-of-pocket costs. When you factor all of this in, it is estimated Medicare will cover only about 50-60% of your healthcare needs....

The Best Time for an Open House Open houses are generally held on weekends when homebuyers are off work and out shopping for homes. When choosing your open house date, you’ll want to avoid competing with holidays, community celebrations, or any special events (like the Super Bowl, for example). Check the weather forecast, too, because cold or rainy days tend to make people stay home. At Least 7 Days Before Many sellers inquire about their open house as they’re signing the listing agreement....