Finding an edge, and what that really means, can help you decide whether it is worth investing your time in finding one or deciding whether it is attainable or would be usable. The Popular Belief The popular belief is that an edge is something that a trader knows or uses that gives them an advantage over the market or all the other traders. For example, a trader might believe that using a particular indicator (e....
As a communications and marketing consultant, Tapia provides services through her business, GardenWall Publications, a marketing communications agency in Lansing, Michigan, serving clients worldwide. She started her communications career with positions as a publicity writer, a marketing writer, and a project assistant, serving as a full-time employee within offices at both Michigan State University and Lansing Community College. She built GardenWall Publications and was turning a profit within 6 months....
Benefits to Seeing All Accounts in One Place Gathering all of your credit card, brokerage, checking, savings, loan, and other accounts, even if they’re held across many financial institutions, together on one page can help you manage your money quickly and more efficiently. For example, knowing how much is in your checking account while at the same time seeing that you have an upcoming credit card bill or loan payment due means you’ll be able to account for that payment without overdrawing your account....
While common, there’s still a lot of confusion surrounding IRAs and annuities, so let’s start there. Here’s a breakdown on what the two terms mean and how they differ. IRA An IRA is an Individual Retirement Account. It comes in two basic forms, traditional and Roth. The differences between the two mostly boil down to when the account holder pays taxes on the funds. For example, people who believe they’ll be in a higher tax bracket later in life usually pick the Roth account because they pay the taxes now, then withdraw the money tax-free later in life....
Expect this question if you are interviewing for a role that calls for supervising staff, leading teams of co-workers, or managing projects. Your response offers interviewers a glimpse into your leadership and interpersonal style. Other jobs that might have this question include teaching, sales, public relations, and other work where you need to motivate others into action. What to Focus on in Your Responses In your answers, it’s helpful to highlight that you understand motivational approaches should be tailored to personality type....
Debt Do you hold any high-interest debt, such as credit card debt, with an interest rate above 8 percent? If so, you’re probably not ready to buy a home yet. Focus on repaying your credit cards before you start shopping for a home. Your mortgage isn’t the only bill that you’ll pay. When you own a home, you’re responsible for paying maintenance and repair costs. You’re also highly likely to want to decorate and furnish your home, which will add to your costs....
Credit unions, as not-for-profit, member-owned institutions, often offer higher interest rates and lower fees on savings accounts than banks. Banks tend to offer a larger number of in-network ATMs, which can provide more convenience. Learn more about how savings accounts at banks compare to savings accounts at credit unions so you can choose the account that best meets your banking needs. What’s the Difference Between Bank Savings Accounts and Credit Union Savings Accounts?...
Because inventory is the major current asset on the balance sheet of firms that sell products, inventory accounting is a very important part of a business firm’s financial management. The manner in which a firm accounts for its inventory can impact its cost of goods sold, cash flow, and profit. The Generally Accepted Accounting Principles (GAAP) include the standards applicable to inventory accounting. The Financial Accounting Standards Board (FASB) is the source for the GAAP standards....
Clean energy technologies will be one of the best ways to fight climate change going forward as they’ll allow people to burn less fuel while maintaining their current lifestyles. Clean energy exchange-traded funds (ETFs) give investors a way to add some of these new and emerging technologies to their portfolios. We’ve built this list of the five best clean energy funds, listed in no particular order, by reviewing dozens of funds and examining factors like: expense ratio, assets under management (AUM), historical returns, and liquidity....
There are plenty of non-office jobs out there that play to the strengths of the worker who’d rather telecommute, work outside, or spend their workdays on the road. Check out the list below to see if there is a career path that’s right for you. 1. Telemedicine Physician As healthcare providers look to cut costs, and patients grow used to being able to do everything from the comfort of their own home, telemedicine will likely experience a boom....
Defined benefit plans such as pensions—in which participants are guaranteed a specific income from retirement onward—have obvious benefits for employees. If you’re looking for a job with a pension, you may want to consider certain industries, employers, and job types. What Is a Pension? A pension is a retirement plan that provides monthly income during retirement. Pensions are defined benefit plans, in contrast to 401(k)s and IRAs, which are defined contribution plans....
Many investors are familiar with Vanguard’s mutual funds, most of which are passively managed index funds with extremely low expense ratios. In 1976, Vanguard also introduced the first index fund, Vanguard 500 Index (VFINX). (That fund is now available only as Admiral Shares.) Since that 1976 fund introduction, Vanguard’s been known as the home of low-cost, no-load mutual funds. In recent years, it has built an impressive selection of ETFs, making Vanguard the second-largest provider of ETFs....
In the 1990s when blogs first appeared, they were primarily online diaries, where people would provide personal accounts of their lives. They since have grown to include writing and media on topics such as news, politics, music, food, business, and much more—there are even blogs about blogging. Like many new resources that pop up, visionary entrepreneurs recognized the blog format as a marketing tool and began using it to provide information and updates to their customers, and as a way to draw in new business....
The numbers indicate the homebuilding industry has more than recovered from the winter storms that froze real estate activity in February. Builders apparently have not been discouraged too much by the rapidly rising price of building materials. The surge in new homes will likely come as a relief to homebuyers who have had a hard time finding houses lately due to record low numbers of them being listed for sale....
Disadvantages of Discounted Payback Period The discounted payback period calculation is still widely used by managers who want to know when they will recoup their initial investment, but it has three major flaws: First, the time value of money is not considered when you calculate the payback period. In other words, no matter for which year you receive a cash flow, it is given the same weight as the first year....
However, a big question looms: What happens if you default on this debt? Your lender technically has a claim on a portion of your home equity at that point. Will you lose your home in that case? Find out if your lender can foreclose on a HELOC or home equity loan and what you can do about it. What Happens if You Default on a Home Equity Loan or HELOC?...
However, if, during the course of business, an SBA loan recipient becomes unable to pay its loan, the lender will make attempts to collect any pledged collateral. The lender will then turn the debt over to the SBA. The government has standards and practices to recoup lost funds, but it may be able to settle with the loan holder for a reduced amount. This process can be costly and time consuming for the business owner but can ultimately result in a form of loan forgiveness....
But to do so, certain criteria must be met. One of which is that you’ll need to prove you have an insurable interest in the insured person before the life insurance company will approve the application. You also need their consent. This means that you can’t take out a life insurance policy on just anyone. Learn more about the process of buying a life insurance policy on someone else and how it differs from buying one on yourself....
Forbearance periods are meant to be a short-term solution to help homeowners avoid foreclosures. Homeowners who take advantage of mortgage relief, however, must eventually reenter regular payment schedules, and that includes the millions of Americans who entered forbearance during the COVID-19 pandemic. While in forbearance, you can still sell your home. Some homeowners might consider selling if they cannot continue to make mortgage payments when forbearance ends, to take advantage of higher home prices, or for any number of other reasons....
Stick around for a detailed look at how Cardano works, special features of Cardano, and how you can buy or get involved in the Cardano community. What Is Cardano? Cardano is a blockchain-based network that powers the Cardano cryptocurrency and other applications. In addition to the Cardano coin, which trades under the symbol ADA, the Cardano network is useful for smart contracts and other distributed applications. The idea of Cardano came about in 2015 with the vision of addressing challenges of scale, interoperability, and sustainability faced by existing blockchain networks....
