Begin by Gathering Information The party with the most complete and accurate information has an advantage in a business negotiation. You may think because you’re the seller, that you have all the information about your business, but make sure you know everything that the buyer could bring up as an issue. For example, what liabilities and lawsuits could derail the deal? Don’t Forget Negotiation Strategies Selling a business is usually a once-in-a-lifetime event....

Written Initial Terms If a landlord or leasing agent simply tells you the terms of a commercial lease, ask for something showing the terms in writing before you submit a counteroffer. If they are reluctant to offer a letter, ask for an email or a copy of the listing for the space (which will contain at least the basic leasing information). Why is it so important to have initial terms in writing?...

It’s not uncommon for credit reports to contain errors, though. Anything from inaccurate late payments to accounts that aren’t yours, or maybe even a falsely reported bankruptcy, could mistakenly end up on your report. For this reason, it’s critical to check your credit report for errors on a regular basis. Check Your Credit Report for Errors You’re entitled to a free credit report if you’ve recently been turned down because of your credit report if you’re unemployed and plan to look for a job soon, if you receive welfare or government assistance, or if you’ve been a victim of identity theft....

One of the key methods to develop your business budget is financial forecasting, which is the process of estimating or predicting your business’s performance using models like income statements and balance sheets. Small-business budgets can be as simple or as complex as you want to make them, but if your business manufactures products instead of providing services, the development of a production budget is critical to the budgetary process....

Let’s dive deeper into how you can set and achieve your short- and long-term goals. How Goals Can Impact Your Career Success Setting goals is a significant component of the career planning process. To have a successful and satisfying career, define your goals and devise a strategy to achieve them. A roadmap that will take you from choosing an occupation to working and succeeding at it is called a career action plan....

Whether you’re looking to just make some extra money on the side or completely replace your income with an online business you can quickly and easily get your idea off the ground, establish a web presence, start driving traffic to your website and generating sales in short order. With that said, let’s look at 10 simple steps you can do to get up and running with a successful online business quickly and easily....

The short answer is that refinancing makes sense if you’ll end up saving money and if it won’t cause any new problems for you. But there are more considerations at stake, too, including risk management as well as your other financial goals. See whether your reasons for refinancing may help you or hurt you. Save Money You can potentially save a lot of money with a refinance, and that’s generally the best reason to get one....

Before the Big Day of Test Driving a Car Do your research. In order to properly test drive a car, you’ll want to do your research ahead of time. Figure out how much you can comfortably afford to spend and then choose several vehicles that fit in your price range and have the amenities you need. If you have a hard time choosing, it might help to read some online reviews and hear what others have to say....

Bank-to-Bank Transfer If you’re an owner of both bank accounts, a basic bank-to-bank transfer is a good option. You can set up the transfer with the sending or receiving bank, and the funds arrive at the destination after two or three business days. The timing ultimately depends on which banks you use and whether you are moving money internationally or domestically. Many banks allow you to make free transfers between connected accounts, but it’s a good idea to check with both banks, just to be safe....

Indeed.com’s resume service enables job seekers to upload an existing resume or create a new resume using their resume-building tool. This allows users to quickly post their resumes when applying for jobs. Users can also make their resume visible to employers. This way, if a hiring manager sees your resume and thinks you are a good fit, he or she can reach out to you. Learn how to use Indeed’s resume service, and how to make your resume stand out from the crowd....

How To Use a Debit Card You can use a debit card for payment almost anywhere credit cards are accepted. That includes restaurants, merchants, online retailers, government organizations, and more. There are a few exceptions, but for the most part, it’s as easy as swiping your debit card when you check out (or if paying online, by typing in your card number). To pay, either run the black magnetic strip on the back of your card through the card machine or insert the square smart chip (if your card and the merchant use chips)....

Through a thesis statement, you can clarify your background as a candidate, what you want in a role, and how you’d fit in at a given company. This is, of course, valuable information for recruiters and hiring managers. Your thesis statement for employment is used to demonstrate your interest in a job and show how you would benefit an organization. Learn how to go about developing one. What Is a Thesis Statement for Employment?...

Fortunately, once you hit mid-career, you no longer have to restrict your resume to a single page. (Here is more information on how long a resume can be.) Some resume best practices may have shifted, too, since your first resume. What makes sense for an entry-level resume does not necessarily hold true for a mid-career resume. Here is a round up of things that you can—and should–cut from a mid-career resume....

The Bureau of Labor Statistics’ Consumer Price Index rose 7% in the year through December—faster than the 6.8% seen in November, more than triple what’s seen as a stable baseline inflation rate, and roughly matching the pessimistic predictions of economists, new data released Wednesday showed. Shortages of materials and workers are disrupting the country’s balance of supply and demand, and inflation is now higher than it’s been since June 1982....

Commercial Property Policies The standard ISO commercial property policy covers three types of personal property owned by someone else and used in your business: Leased Property You Must Insure Many businesses lease personal property to use in their operations. Examples are copy machines, office furniture, production machinery, and construction equipment. Typically, the lease states that the lessee is responsible for any loss or damage the machines sustain during the term of the lease....

Your response could be as simple as saying that you’re seeking a new challenge, or it could be more complex if you didn’t leave the job of your own volition. Either way, you don’t need to share all the details. A short and simple response works best. Review tips for answering interview questions about why you’re looking for a job, what (and what not) to say when you respond, and examples of the best responses....

Christie’s sold an original NFT artwork for a whopping $69,346,250. Basketball fans can buy moments of NBA games, kind of like video trading cards, which regularly list for six-figure prices. So, what are these NFTs all about? Let’s take a look at investing in NFTs and if it makes sense for you. What Are NFTs? While NFTs are digital assets such as bitcoin and other cryptocurrencies, they are fundamentally different....

That’s because a new provision of the American Rescue Plan Act passed last week waives income taxes on the first $10,200 of unemployment benefits from 2020, despite the fact that we’re midway through the 2020 tax filing season. The IRS says it’s still figuring out how to handle returns that have already been filed, and for now, no one should file amended returns. For those who haven’t filed yet, the IRS is further along....

However, there are ways teenagers can save money on car insurance. Most insurance companies offer car insurance discounts designed specifically for young drivers. If you have good grades and complete a qualifying driver’s education course, you might pay less for insurance. It’s also possible to reduce premiums if you leave your car at home when you go to college. Let’s learn how you can get a better rate on your insurance by taking advantage of student discounts....

Manufacturing companies saw more workers quit in April compared to March, and fewer companies made progress towards meeting their staffing targets, a monthly survey of supply chain executives showed Monday. Orders grew but at a slower pace, with a notable slowdown in export order growth. Overall, the Institute for Supply Management’s index measuring activity in the manufacturing sector fell to its lowest level since July 2020, below what economists had anticipated and indicating a slower pace of growth....