Before you apply for a credit card, it helps to know how to qualify for a credit card. That way, you can estimate your chances of getting approved and save yourself a credit inquiry if it’s more likely that you’ll be denied. The income requirements don’t require you to work full-time to get a credit card. You can put your annual earnings from your part-time campus job on your credit card application....

Tackling your debt takes time and effort, but combining strategies and staying consistent can help you successfully dig your way out of debt. Here are some tips to help you get out of debt. Stop Accumulating Debt This strategy alone won’t get you out of debt, but it will keep you from making it harder to pay off. Reduce your temptation to create more debt by taking a break from your credit cards or even freezing your credit....

You can reduce the self-employment tax you pay as a business owner—a tax of 12.4% for Social Security and 2.9% for Medicare—by increasing certain tax-deductible business expenses. Also, you may be able to lower self-employment taxes by forming an S-corporation. Read on for tips on how to reduce your self-employment tax. How To Reduce Self-Employment Tax It is difficult to avoid paying the self-employment tax entirely, but you can reduce the amount of self-employment tax you owe....

What Tendering Your Resignation Means When you resign, it means that you are the one who decided to end the relationship with your employer. A resignation is typically a voluntary departure from a job on the part of an employee, as opposed to a firing, layoff, or other employer-initiated termination. How to Tender a Resignation Say it in writing. When you tender your resignation, you typically provide written or verbal notice that you are resigning....

You can use equity you have in land in a number of ways, such as for collateral for a land equity loan. Learn about how land equity works and your options for leveraging equity in your property. Pros and Cons of a Land Equity Loan A land equity loan is similar to a home equity loan in that it allows you to tap the value of your property, but the lender secures the loan with land as collateral....

A cashier’s check also called a bank check, is another form of guaranteed payment. However, you’ll need a bank account to get a cashier’s check. When you purchase a money order, the bank will either accept cash or direct debit your account. Most banks charge a fee for money orders, though they may waive the fee if you have certain types of accounts with them. When purchasing a money order, you’ll need the amount of the money order and the name of the payee....

Numbers of sales and median prices are two simple ways of measuring demand in the housing market. Another important figure is the market’s absorption rate. What Is the Absorption Rate? The absorption rate is defined as the rate at which homes that are available in a market are sold over a given time frame. The rate is calculated by taking the number of homes sold within a period—say, over 30 days—and dividing that number by the total number of available homes in the market....

What is a CV? In modern English, the concept behind the curriculum vitae might better be translated as “the course of one’s professional education and career.” In short, institutions that request these documents are most interested in one’s well-rounded credentials for the job (as expressed through training and subsequent career experience). This differs from standard resumes, which focus more on competencies. Here’s information on why, when, and how to use a CV, when to use a resume vs....

Although there are some consumer laws protecting LGBTQ+ homebuyers, there are many unseen issues trans and nonbinary people in particular face. On a state level, 21 states and Washington, D.C., have explicit laws prohibiting housing discrimination based on sexual orientation and gender identity. This community often deals with deadnaming, outing, and misgendering, as well as discrimination when applying for a home loan. Learn more about these unique challenges, as well as tips on how to find allies to help you get through the mortgage process successfully....

Unfortunately, credit scores aren’t the only factor credit card issuers consider to qualify you for a credit card. A number of factors can lead to a denied application, even when you have excellent credit. Insufficient Income Or, your income isn’t high enough for the credit card you’re applying for. Trying to figure out which credit cards fit your income is pretty much a guessing game. To a certain degree, you have to trust the credit card issuers to approve you for the credit cards that best fit your income....

To learn more about the design and impacts of the global market, it will help to have insight into how economists measure world trade on a country-by-country basis, and how to compare a country’s exports to its imports. Trade Deficits & Surpluses Defined For the most part, the world’s countries can be divided into net exporting and net importing countries. This is based on their balance of payments or net exports....

More than 25% of the goods traded are machinery and electronics, like computers, boilers, and scientific instruments. Almost 12% are automobiles and other forms of transportation. Next comes oil and other fuels contributing 11%. Chemicals, including pharmaceuticals, add another 10%. Advantages of International Trade Exports create jobs and boost economic growth, as well as give domestic companies more experience in producing for foreign markets. Over time, companies gain a competitive advantage in global trade....

Learn more about internet marketing, its role and importance in business, and how to use it to your benefit. What Is Internet Marketing? Internet marketing refers to the strategies used to market products and services online and through other digital means. These can include a variety of online platforms, tools, and content delivery systems, such as: Website content and design Email marketing Social media Blogging Video/podcasting Online ads Sponsorships and paid promotions...

However, stocking up on gold bars like a mini Fort Knox is not the most efficient method of stabilizing your portfolio. There is an alternative to buying physical gold. Before you invest in gold, learn more about the advantages of gold exchange-traded funds (ETFs). What Are Gold ETFs? Gold commodity exchange-traded funds are a simple way to gain exposure to gold without purchasing actual gold. There are many types of gold ETFs....

Korrawin Khanta / EyeEm/Getty Images The new digital feature makes it easier for taxpayers and tax professionals to move accounts online and avoid paper forms, the IRS said Monday. The feature, Tax Pro Account, lets individuals give a tax practitioner Power of Attorney (POA) and lets the professional view taxpayers’ accounts with a Tax Information Authorization (TIA). The tax professional must use Tax Pro Account, available on IRS.gov, to request a POA or TIA, which will then show up in the taxpayer’s online account....

That’s according to a spokesperson for the Department of Education, who said the department would ensure child tax credit payments on tax credit rebates wouldn’t be seized from defaulted borrowers, even if the rebate arrives after the student loan payment and collections pause ends on May 1. “The Child Tax Credit should be accessible, no matter your student loan repayment status,” Education Secretary Miguel Cardona posted in a tweet this week....

Selecting a status is not always as simple as checking a box to say whether or not you are married. You might be single, or married filing jointly, or married filing separately, a head of household, or a qualifying widow(er). Occasionally, a taxpayer can technically qualify for more than one status. That’s not usually the case when it comes to filing married versus filing single. What’s the Difference Between Filing Single and Filing Married?...

In either case, you should be prepared to move on. If you’re fired, you may not be given any advance notice. If you quit, you may be shown the door even if you give two weeks’ notice. Being prepared will make a difficult situation less stressful. Have everything ready to clear out of your office and start a job search as soon as you sense that you might lose your job....

For starters, you can employ the same techniques that have worked for many who live by the creed: Buy low and sell high. The first step is to determine the type of real estate market that exists in your town. Types of Real Estate Markets Although there are many variations and twists, basically real estate markets fall into three categories of buyer’s markets, seller’s markets, and neutral markets. Buyer’s Markets Buyer’s markets exist when there is more inventory, meaning houses for sale, than buyers....

In some cases, life insurance is an asset. Life insurance provides a death benefit (or a lump-sum payout) when an insured person dies, and families often use insurance to prevent financial hardship in such a circumstance. When life insurance policies have a cash value, they might also serve as assets and have other uses as well. What Is an Asset? An asset is something you own or control, and assets typically have some type of value you can access....