FG Trade / Getty Images Large-cap stocks are shares of a companiesd with market caps of more than $10 billion. These are well-known, well-established companies. Some are worth more than many small countries. Large-cap investments are less risky than small-caps, but you should still do thorough research before buying any stocks. Reasons to Invest in Large-Cap Stocks One of the main reasons to invest in large-cap stocks is their size....

Picking the right commodity ETF, on the other hand, is a different story. Below is a list of the different types of commodity ETFs you can potentially include in your portfolio. From broad commodity funds to specific industry ETFs, there’s a fund that makes sense for your investing strategy. Just make sure you watch and research each one before you make any trades. Broad Commodity ETFs Commodity ETFs are exchange-traded funds (ETFs) that invest in physical commodities, such as agricultural goods, natural resources, and precious metals....

By having a dedicated chunk of time you work for each client every month, you can focus completely on your clients’ needs and issues. That can streamline procedures and result in profits for them and you. Delivering high-quality work and return on investments will keep your clients happy and willing to set retainer agreements. What Is a Retainer Agreement? A professional services retainer agreement is a contract between a client that retains ongoing services from you, the consultant or freelancer....

What Is a Loss Payable Clause? The Loss Payable clause protects a property owner against loss or damage to the property while it’s in the insured’s possession. The loss payee may own all or a portion of the insured property. For example, Fred owns Fantastic Furniture, a furniture manufacturing company. Fantastic Furniture is buying a new laser cutting machine from Lasers-R-Us. The machine costs $120,000, and Fantastic will pay the seller $40,000 per year for three years....

In the week that ended on June 27, 4.3% of houses for sale had lowered their listing price, more than at any point since November 2019—with the exception of one week last August, according to data from real estate company Redfin charted below. The increasing frequency of price drops suggests that the recent uptick in homes for sale is providing a little relief for hungry buyers previously stuck competing in a fierce and scarce housing market....

What Is an IPO? When private companies offer shares of its stock to the general public for the first time, it’s called an IPO. A private company looking to go public will work with a bank to determine how many shares and at what price per share the company will begin trading on the public markets. The Benefits of IPO Investing The biggest benefit of investing in an IPO is the opportunity to buy into a company at a lower price and profit from its long-term growth....

After compromises with more moderate Democrats like Sen. Joe Manchin of West Virginia, the federal supplement to unemployment insurance won’t go up by $100 a week, instead staying at $300, and those earning at least $80,000 a year won’t get a stimulus check.An amended version of the bill passed by the House of Representatives last month now returns to the House and is slated for a Tuesday vote, and, assuming it passes, Biden’s signature....

Russia is one of the world’s biggest producers of oil, which is used to make gasoline. And less Russian oil on the market—partly due to U.S.and European Union sanctions meant to penalize the invasion—led to one of the biggest supply shortfalls since the 1970s, driving up oil and gas prices alike. The soaring price at the pump put a renewed focus on the production and sale of oil. The oil market remains a mystery to many, though, with government officials, economists, and pundits tossing around terms like “Brent,” “fracking,” and “OPEC....

You and your spouse should decide on a few key points beforehand, including: What business legal type will you use?Will both spouses be owners?Will both spouses participate in managing the business? Learn the tax and other consequences of these decisions here. Who Will Own and Run the Business? One of the first significant decisions is whether you will both own a share in the business and participate in running the business....

Instead, his budget estimates showed that he would actually add at least $8.3 trillion, increasing the U.S. debt to $28.5 trillion by 2025. But the national debt reached that figure much sooner. The national debt stood at $19.9 trillion when President Trump took office in January 2017, and it reached a high of $27 trillion in October 2020. The national debt reached another high of $28 trillion less than two months after President Trump left office....

All else being equal, these programs should boost earnings per share (EPS). Here are three important principles for these programs. Overall Growth vs. Growth in Earnings Per Share A company’s decision to buy back its own stock is not based on the overall growth in profits. Instead, companies look at stock buybacks when they’re considering how to increase EPS. The latter is the all-important factor that can determine how fast equity in the company will grow....

Here’s how to prepare so that you’ll be able to “think on your feet” should a problem-solving question be asked. Why Companies Ask Problem-Solving Questions Problem-solving questions often fall into the category of interview questions without a right (or wrong) answer. Companies seek proactive, solutions-oriented employees for many of the jobs they are filling, and are more interested in the approach you’d take to solve a problem than they are in you providing the “correct” answer....

In this guide, you’ll learn what real estate crowdfunding is, how it differs from other forms of real estate investing, and whether it’s right for you. What Is Real Estate Crowdfunding? Crowdfunding is a way of raising capital by accepting small contributions from a large number of people. Crowdfunding was originally used primarily as a donation-based system, but thanks to technology, it’s been quickly adopted for business purposes as well....

A lender generally agrees to do a short sale because it’s more profitable than it is to foreclose. It might or might not require that the seller have a financial hardship, but the home is most certainly underwater. And this can cause serious problems without a release. Short Sale Definition Banks agree to release the loan in exchange for receiving less than the amount owed in a short sale, but this doesn’t necessarily release the seller from any obligation to pay it....

Others maintain a professional distance and don’t wish to disclose private circumstances at work. You don’t have an obligation to share your reason for resigning with your employer. Check Your Eligibility for Leave Benefits Before you resign, be aware of your rights and any benefits you may be entitled to during the course of your illness. Do note that, depending on your circumstances, you may qualify for the Family and Medical Leave Act (FMLA) or worker’s compensation or disability benefits, or you may be eligible to take a leave of absence rather than resigning....

That’s because so many skills, especially soft ones, are transferable. If you’re shifting from a production manager role at a publishing company to event planning in the wedding industry, for instance, your organizational skills, leadership abilities, and strong Excel and budgeting background are all going to be applicable. In your career change resume, you have to tell the story of your transferable skills to a hiring manager, explaining how qualifications from your previous career are still applicable and relevant....

But how can you tell which redemption options give you the most value? Some redemption options—like gift cards and merchandise—are notoriously bad ways to redeem your points compared to options like travel or cash back. We’ll help you figure out which redemption options to go for—and which to avoid. What Is the Rule of Thumb for Redeeming Credit Card Points? The rule of thumb for redeeming credit card points is to aim for a redemption value of at least 1 cent per point....

I’ve enjoyed being a customer of Chase Bank since 1995. Today, I’m writing to request a goodwill adjustment to my credit files. I was a model customer from the time I received my credit card in 1995 until 2006, when I suffered a medical illness which wrecked my finances and my ability to make timely credit card payments. As a result, I fell behind on my payments by 60 days....

Before you resign yourself to waiting for a suitable opening to appear on their corporate jobs site, get proactive. By sending a letter of interest, you can make a good impression on the hiring manager, learn more about the organization and the candidates they seek, and maybe even find a job that never made it to the listings phase. The Unadvertised Job Market It’s not as crazy as it sounds: nearly 50% of jobs are learned about through word of mouth from friends, and 37% are discovered via professional networking....

Some key perks are that these plans allow for higher contribution limits and are less complex than the better-known 401(k) plan. Who Can Set Up a SEP-IRA? Also known as 408(k) plans, any employer can create a SEP-IRA. People who have earnings from working for themselves can create a SEP-IRA even if they also hold a job where they have a 401(k) plan. The Perks of a SEP-IRA A SEP-IRA can provide large tax perks and it’s easy to start up....