Initial claims for unemployment benefits fell to 364,000 in the week ending June 26, the lowest level since March 14, 2020 and a decline of 51,000 from the previous week, according to seasonally adjusted data released Thursday by the Labor Department. The drop was larger than economists expected, and brings unemployment claims nearer to their pre-pandemic level of around 210,000 per week. “There’s been some bumpiness in recent weeks, but the overall downward trend is clear, which is what we want,” wrote AnnElizabeth Konkel, an economist at job search website Indeed, on Twitter....

Hired Auto The standard ISO Business Auto Policy defines hired autos as only those autos you lease, rent, hire, or borrow. You refer to the named insured. Thus, the term hired auto means a vehicle leased, rented, hired, or borrowed by the person or entity listed in the declarations. Note that the term does not include any auto you lease, rent, hire, or borrow from an employee, partner, member (of a limited liability company), or a member of that person’s family....

Your response is also a good indicator of how humble you are—or aren’t. Aim to talk about positive, meaningful achievements without being boastful. What the Interviewer Really Wants to Know By asking if you consider yourself successful, the recruiter is trying to assess your past achievements and determine whether you will be driven to achieve such results in the future. This question also allows the recruiter to understand how you define success, and what milestones in your career you consider important....

This question is designed to learn about how well you work as part of a team, collaborate with others, and contribute to a successful team. What the Interviewer Wants to Know Employers, regardless of industry, need workers who are capable of working successfully as part of a team. During interviews, they will try to determine whether you can work effectively and collaboratively with others. Along with the typical job interview questions, your interviewer may ask about your past work experiences, with similar questions such as, “Tell us about a time you worked successfully with a team in a team environment....

In the week ending May 8, there were 473,000 initial claims for unemployment insurance, 34,000 fewer than the previous week’s revised total, according to seasonally adjusted data released Thursday by the Department of Labor. Economists had expected claims to rise, with a forecast of 509,149, according to a median estimate from Moody’s Analytics. Initial claims have fallen by 36.3% in the last five weeks, and are now less than twice as high as they were the week of March 14, 2020 (256,000), the last reading before the pandemic locked down the economy....

“We are taking patients out of the middle of the food fight between insurers and providers and ensuring they aren’t met with eye-popping, bankruptcy-inducing medical bills,” Department of Health and Human Services Secretary Xavier Becerra said in a statement Monday. Under the No Surprises Act, passed at the end of 2020, surprise bills for most emergency services are banned for privately insured patients (Medicare and Medicaid patients already had surprise billing protections....

For some, that alone is enough motivation to start the financial journey. For others, it’s more like a game, and their passion for wealth building begins with their first dividend check from a stock they own, interest deposit from a bond they acquired, or rent check from a tenant living in their property. While there are countless articles dedicated to individual techniques and strategies for building wealth and becoming rich, the advice here focuses more broadly on the philosophy behind how to become wealthy....

Before explaining the 5% rule further, let’s first define a few investment terms you need to know for building a portfolio of mutual funds. Definitions of Terms for Building a Mutual Fund Portfolio How much of one mutual fund is too much? The short answer is, “It depends.” Factors to consider include investment type, the investor’s investment objective, and the investor’s risk tolerance. When building a portfolio of mutual funds, keep in mind the various types of assets and the different types of mutual funds....

pixelfit / Getty Images Partnerships come in several different types, but all have some common characteristics. An LLP combines some of these advantages of a partnership with the benefits of a corporation. Learn more about how they work and how they compare to other partnerships. What Is a Limited Liability Partnership? An LLP is a form of partnership that limits liability for partners more than some other partnerships do. To understand limited liability partnerships, it’s helpful to understand a few things about partnerships in general....

Comparing different long-term savings account options, their interest rates, potential returns, fees, and more can help you decide where to keep your money. Not all savings accounts will meet your needs and goals, so consider the various types before signing up. What Is a Long-Term Savings Account? Long-term savings accounts are designed to hold the money you don’t expect to need to spend in the near future. They’re different from short-term savings or checking accounts that you might use to set aside money for bills, an upcoming vacation, wedding, or other one-time expenses....

While the day-to-day impact on Russians may be limited, the U.S. State Department said the credit card restrictions could cause difficulties for Americans buying airplane tickets out of the country, and advised using cash or alternate credit cards, or having friends or family outside Russia buy their tickets. The suspensions mean ATM and credit cards issued by banks in Russia won’t work outside Russian borders, and conversely, cards issued outside of Russia won’t work in the country, the three networks said in separate statements....

The three most common types of indexes include: Learn more about global stock market indexes, regional stock market indexes, and national stock market indexes around the world, as well as some important considerations if you’re an investor looking to gain exposure using these indexes. Global Stock Market Indexes Global stock market indexes track equities from all around the world. For example, the MSCI World Index tracks large and mid-cap equities across 23 developed countries covering approximately 85% of the free float-adjusted market capitalization in each country....

Some homes cry out for drone photography, especially if they’re situated on the waterfront, in the mountains, near a park, or on large acreage. An aerial view would be an important advantage to showcase the surrounding neighborhood in these cases. Another interesting element that’s often utilized in luxury home marketing is a night view of the home illuminated by outdoor lighting. Good marketing can bring higher prices in a seller’s market and it can mean the difference between “sold” or “expired” in a buyer’s market....

What Is a Community Property State? Married couples who live in community property states jointly own their marital property, assets, and income. Your spouse may have as much of a claim as you do on your income, for example. Likewise, your spouse is legally obligated to repay a $100,000 debt even if you contracted for it in your sole name. Your spouse jointly owns the property if you buy a $350,000 home, even if you title it in your name alone....

First National Bank of Omaha (FNBO) launched its Evergreen Rewards Visa Card, a no-annual-fee cash-back credit card that offers unlimited 2% back on all purchases. New cardholders won’t pay interest on either purchases or balance transfers for 12 months, which can help spread out the cost of large purchases or reduce the burden of debt repayment. Credit cards offering 2% cash back on all purchases instead of the more typical 1....

Builder Upgrade Incentives Regardless of the type of market, whether it’s a seller’s market or a buyer’s market, new home builders often offer upgrade incentives. The free upgrades, however, almost always come with a catch. The builder may agree to the upgrade in exchange for you to do one or more of the following: Buy Immediately If you’re not ready to make an offer, don’t be pushed into making a decision you may later regret....

Learning to invest toward your goals and understanding the different risks takes time, but it doesn’t have to be painful. One way you can learn to invest is to buy one fun stock. To get started, try investing in a company that you know well, perhaps one that makes products you buy. Read on for a step-by-step guide to learning how to invest by using a fun stock. How To Start Investing In Stocks When you buy a stock, you are essentially buying a share of ownership in a company....

The chart below shows that the number of vacation days you get correlates with how many years of service you have under your belt. How Employees Aquire Paid Vacation Days The number of paid vacation days generally accrues to employees based on their years of service to the organization and the level of their position. For example, employees accrue 3.0769 hours per pay period worked in the case where they are eligible for 10 days or two workweeks of vacation....

Pollution Exclusion Exceptions The pollution exclusion contains two important exceptions. Both cover bodily injury or property damage arising from pollutants themselves as well as the cost of cleanup. In the business auto policy, cleanup costs are referred to as covered pollution cost or expense. This term (which is defined in the policy) includes the cost of testing, monitoring, cleanup, and other activities you are required to perform by law or because of a government claim or lawsuit....

Your credit card issuer will consider your account history, income, and credit history to decide whether or not to raise your credit limit. Unfortunately, credit limit increase requests are sometimes denied. Some Reasons Why You May Have Been Denied Many of the reasons why you might be denied are the same reasons why you might be denied if applying for a new card: After Your Credit Limit Increase Request Is Denied Your credit card issuer will send a letter if the information on your credit report or your credit score was the reason your credit limit increase was denied....