Make a Budget Planner Sheet Before you get started making your budget planner, here’s what you’ll need: A spreadsheet software program, such as Microsoft Excel or Google Sheets A list of your fixed monthly expenses A list of your variable monthly expenses Income records for everything you make each month, including money you earn at your job, business income, child support, or money you make side hustling Once you have those things, you can get to work making your budget planning spreadsheet....

Tens of billions of unclaimed property still exists and states pay out over $3 billion in claims to individuals and businesses every year. The most important things to know are: Why Money Goes Missing It’s your money: Businesses and other organizations that hold your assets need to follow strict laws. Most states require them to contact you regularly (providing quarterly statements, for example) and allow you to take assets when you want to....

A cover letter that is formatted incorrectly, or is difficult to read, can quickly eliminate you from the pool of candidates, so it’s important to pay just as much attention to the formatting of your letter as to its content. Here’s information on cover letter formatting guidelines including setting page margins, choosing a font style and size, paragraph and section spacing, and more tips on how to format cover letters for employment....

Below is a blueprint for ramping up your returns to 10% or more per month. That way, even if you’re starting with $10,000, you’ll be making at least $1,000 per month, and that income will grow as your capital and/or returns grow. Whether you day trade stocks, forex, or futures, align your trading process around the tactics discussed below. With hard work and practice, over the course of six months to a year, you just may be able to become one of the few traders (relative to those who try) who make a living from day trading....

When you’re adding part-time positions or gigs to your resume, it can make sense to include them if you want to provide the employer with a comprehensive work history or if they are related to the job for which you are applying. Review advice on how to decide what to include on your resume, when to leave jobs out, options for adding part-time work, and examples. How to Decide What Jobs to List on Your Resume Here are a few things to consider before adding part-time or temporary work to your resume: Are You Applying for a Part-Time Role?...

The Swiss currency is the Swiss Franc (CHF). It’s the national currency of Switzerland and Liechtenstein. The Swiss Franc is the sixth most traded currency in the world; the USD/CHF currency pair remains one of the most traded pairs in the world. Swiss Currency as a Safe Haven The Swiss currency has been a long-time safe-haven investment. During the 2011 European sovereign debt crisis, there was such high demand for francs that the Swiss National Bank (SNB) was forced to peg its currency to the euro at a rate of 1....

Building anticipation is good news for the seller but bad news for a potential buyer. It is harder for an eager homebuyer to compete and win the home when so many other buyers are drooling over the “Coming Soon” event. What Exactly Is a Coming Soon Home? A “coming soon” home is generally a new listing that is not yet available in MLS. The listing agent might, for example, place a “Coming Soon” sign on the property....

Who Benefits Most From Tax Planning? The opportunity to pay less in taxes is greatest for: Those who have savings in both tax-deferred retirement accounts, such as 401(k) plans or individual retirement accounts (IRAs), and after-tax savings, such as a brokerage account. Those who have years where their income might be less, such as when one spouse retires mid-year, when spouses retire during different years when either spouse goes through a period of unemployment, or when income fluctuates due to a commission-based job....

Here’s an example. If you buy a stock at $20 and place a stop-loss order at $19.50, your stop-loss order will execute when the price reaches $19.50, thereby preventing further loss. If the price never dips down to $19.50, then your stop-loss order won’t execute. Market Orders Stop-loss orders are usually “market orders,” which means it will take whatever price is available once the price has reached $19.50 (when either the bid, ask, or last price touches $19....

What Are Digital Assets? Your business has assets - things of value. These assets include everything from cash and accounts receivable, through business equipment and vehicles, to land and buildings. Your accountant has probably included the cost and current value of your assets on your balance sheet, but maybe they forgot digital assets. Digital assets are assets that exist online. Some of your digital assets might exist on your own servers or they may be “in the cloud....

Selecting a Unit When buying a window air conditioning unit, more is not necessarily better. Base the size of the air conditioning unit on the size of the room, the other factors that affect the temperature in the room, such as how many windows it has and whether it faces south, north, etc. An air conditioning unit that is too big for the room will work harder and cost you more....

Asset Sale In an asset sale, you are selling the different assets that the business owns. Assets may be: Tangible: Land, buildings, equipment, cash, investments, and inventory Intangible: The goodwill your business has built up during its years of operation, customer lists, patents, copyrights, and trademarks If your business is not incorporated, for example, a sole proprietorship or partnership, an asset sale is the only selling option, as there are no share certificates of ownership to transfer in a sale....

Just how do entrepreneurs become sole proprietors? And what are the advantages and disadvantages of choosing this legal structure over a limited liability corporation (LLC) or a corporation? Becoming a sole proprietor is one of the most uncomplicated business structures to form legally. By following just a few steps, an entrepreneur can launch a sole proprietorship and begin serving clients. What Is a Sole Proprietorship? A sole proprietorship is a business structure that is easy to establish for people looking to launch a business....

Get To Know the Stock Market Before you get started trading stocks, it’s important to know how the market works. Here are some key terms to know: Decide What Kind of Trader You Are As you consider how to get started in the stock market, you also need to decide what kind of trader you will be. Do you see yourself trading every day? Do you want to trade a couple of times per week?...

Tax money and savings bonds go hand in hand, and the tax code officially linked them in 2010 when the government made it possible to almost effortlessly purchase savings bonds with tax refunds. Why Buy Savings Bonds? If you’re like many taxpayers, you’ve probably been planning how you’re going to spend that tax refund ever since you submitted your return and realized you were entitled to one. Then again, you might be a saver by nature....

A home addition calculator will be most useful to a person in the initial planning stages of construction or home improvement projects. It is not a tool that can help you to negotiate with a contractor because contractors don’t use this sort of gadget. How Professionals Estimate Costs When professional contractors estimate the costs of an addition, they don’t rely on gimmicks. Instead, they arrive at their estimates by relying on facts, science, and their previous experience....

Accounts Receivable Explained Accounts receivable sometimes called “receivables” or “A/R”, are the amounts owed to a company by its customers. You might consider them as “payments due to my business.“ Receivables are considered a business asset because they have value. They’re the total amount owed to your business. They’re ranked high in the list of assets because they can be converted into cash. As soon as they’re paid, they become cash....

These days thieves can steal your credit card information, without ever touching your physical credit card, and still make fraudulent charges to your account. Those charges are tougher to detect since your credit card never goes missing. Getting real-time fraud alerts from your credit card issuer would alert you of suspicious activity on your account and give you the opportunity to contact your credit card issuer to stop further unauthorized charges....

As of 2021, LinkedIn had more than 740 million members in more than 200 countries, including executives from all of the Fortune 500 companies. While individuals use LinkedIn for professional networking, connecting, and job searching, companies use it for recruiting and for sharing company information with prospective employees. Below you will find some quick tips on how to use LinkedIn effectively, along with links to more in-depth articles on each topic to help you make the most of all the resources and tools LinkedIn has to offer....

In this case, you would want to send a letter of interest expressing your desire to meet with or talk to a hiring manager about what opportunities might be available to you. Review information on when to write a letter of interest, what to include, tips for writing an effective letter, and examples and a template to download. What is a Letter of Interest? This document is called a letter of interest because you are writing to advise a prospective employer that you’re interested in working for their organization....