How Are Easements Created? Generally, real estate easements transfer with the ownership of the property. Easements that transfer with a property are said to be “running with the land.” There are many reasons why one entity might want or need to use the real property of another. As such, there are many ways that easements can be created. It’s smart to understand how easements work whether you own property or are considering buying property in the future....

However, not every source of capital is suitable for every business. An entrepreneur should choose one which meets the capital structure that best fits their business. A business’ capital structure is the way that it is funded, either through debt (loans) or equity (shares sold to investors) financing. Financial backing usually includes loans, grants, or investor funding. Some of the top ways to raise capital are through angel investors, venture capitalists, government grants, and small business loans....

Initial claims rose to 373,000 in the week through July 3, an increase of 2,000 from the previous week’s revised level, according to seasonally adjusted data released Thursday by the Labor Department. After a steady march downward this spring nearly halved the weekly volume of claims, progress has leveled off in recent weeks. Claims are still nearly twice as high as pre-pandemic levels. The slower progress is counterintuitive, given recent signs of a labor shortage....

On the plus side, UBI is a way to improve your premium based on a factor that directly impacts your driving risk (your behavior) instead of factors unrelated to driving such as marital status and your credit score. But consumer and privacy advocates have raised questions about the telematics data gathered by insurers. Before you sign up for a UBI program, it’s important to understand what data is collected and how it’s used....

There are two types of analysis you should do when choosing investments. Technical analysis entails the study of charts, price flow, and patterns. Fundamental analysis relies on the supply and demand picture. Two of the best tools you can use to learn about the market’s flow and sentiment in all commodities that trade on futures are volume and open interest. These two metrics often validate or invalidate price moves. Volume and open interest are vital metrics when it comes to knowing about price flow....

Learn how delayed retirement credits work and whether they could be a good option for you. Definition and Example of Delayed Retirement Credits The amount of Social Security you receive is based on your full retirement age and at what age you retire. Full retirement age depends on the year you were born. If you start claiming benefits before reaching full retirement age, you get reduced benefits. If you claim after full retirement age, you get increased benefits....

Reasons for Job Evaluation Job evaluations are performed for these reasons. To determine what positions and job responsibilities are similar for purposes of pay, promotions, lateral moves, transfers, assignments and assigned work, and other internal parity issues. It is important that employees perceive your workplace as fair, equitable, and the provider of equal opportunities for employees. Your process for determining pay and promotional opportunities should be transparent for employees to see and understand....

To understand this, you must first understand what the demand curve does. It plots the demand schedule. That is a chart that details exactly how many units will be bought at each price. It’s guided by the law of demand which says people will buy fewer units as the price increases. That’s as long as nothing else changes, an economic principle known as ceteris paribus. That means all determinants of demand other than price must stay the same....

This makes them much like an option, giving the holder of the warrant the right, but not the obligation, to buy or sell shares in the company. Warrants can be attached to a stock, bond, or other security. Here’s an example. Let’s say Jane owns a bond issued by XYZ company. The bond comes with a warrant giving her the right to buy a share of XYZ at $50. She may choose to use that warrant to take that action, leaving her with both the bond and one share of XYZ purchased for $50....

What Is a Bankruptcy Trustee? A trustee is someone who has administrative control of property (like business assets) in trust. The trustee has a fiduciary duty to administer the property impartially for a person or business. A bankruptcy trustee is a special kind of trustee who oversees a bankruptcy case. The DOJ’s U.S. Trustee Program selects bankruptcy trustees, who are private individuals with skills in business, accounting, management, and legal issues relating to bankruptcy....

Investors can structure options contracts in several ways beyond the typical call and put options. One unique type of option is the barrier option. Learn how a barrier option works and why investors use this option structure. Definition and Example of a Barrier Option A barrier option is a type of exotic option, which means it is more complex than a simple call or put that has trigger points for activation....

The upswing or increase indicates a bull market; a bull swipes “up” with its horns to attack. These were the five longest bull markets since World War II: 1949 to 1956 (86 months)1974 to 1980 (74 months)1982 to 1987 (60 months)1990 to 2000 (113 months)2009 to 2020 (131 months) The most recent bull market is the longest in history. It went from 6,594.44 in 2009, to a high of 29,551....

How Call Options Work You can buy or sell call options depending on your expectations for the underlying security’s price. Depending on your trading strategy, you can choose to exercise the option, choose to let it expire or sell the option contract. For example, this is what a call option looks like: XYZ December 80 Call $1.20 This means it is a call option contract for the shares of XYZ stock, with an expiration date of December, with a strike price of $80 and a premium of $1....

One example of a commodity fund is Parametric Commodity Strategy Institutional Fund (EIPCX), which includes more than 30 different commodity types, including agricultural, energy, livestock, and precious metals. Another good example of a commodity fund is the BlackRock Commodity Strategies Fund (BICSX), which is a fund comprised of various commodity-related companies and commodity-link derivatives. How a Commodity Fund Works Commodity funds typically work by investing commodities through one or a combination of ways, such as: Commodity funds can differ in terms of their diversification, too....

Learn more about controlled foreign corporations and what they can mean for your taxes. What Is a Controlled Foreign Corporation? A controlled foreign corporation is a U.S. corporation that operates overseas with U.S. shareholders who have 50% or more of the control of that corporation. CFC rules are designed to reduce tax evasion and the abuse of tax shelters as well as figure out what portion of foreign income should be taxed in the U....

Learn more about homeowners insurance covered perils and how to find out what events are covered in your policy. Definition and Examples of a Covered Peril In homeowners insurance, a peril is an event that can cause loss or damage to your home. Alternate name: Hazard insurance A covered peril is included in your policy. If your home suffers loss or damage from that type of peril, your insurance company will reimburse you a specified amount to cover the damage....

Equity is money that is invested in a company by owners who are called shareholders. A shareholder usually receives voting rights and can vote in annual meetings that concern the company’s management or next steps. A shareholder receives cash flow from the equity they own if the company pays dividends. The shareholder might earn a profit, suffer a loss, or earn nothing on the original capital they invested if/when they sell their equity....

Find out more about what DAFs are, how they work, and some of their pros and cons. Definition and Example of Donor-Advised Funds A DAF is a type of charitable investment account that allows investors to support charitable organizations that are important to them. You can contribute cash, securities, or other types of assets to a DAF. Typically, you can receive an immediate tax deduction after contributing to a DAF, and the funds invested gain tax-free growth potential....

These organizations also play roles in helping customers raise funds and invest their money. This includes facilitating the buying and selling of securities like bonds and stocks. Some financial institutions also assist customers with protecting their assets, alongside helping them with managing their money. For example, some will offer insurance policies that protect homes or cars from financial loss. Financial institutions may also buy and sell foreign currencies. Two of the most common examples of financial institutions are consumer banks and credit unions....

Your first interview may be your only interview for a job, followed by a job offer or a rejection. Or, it may be the first step in a sequence of interviews. How many interviews you’ll need to participate in will depend on the job and the employer. The type of interview may vary too. You could be asked to interview in person, on the phone, or via video, and you may be asked to complete a pre-interview screening questionnaire as part of the interview process....