Here are ten steps you can take to find a new job, including where to look for jobs, the top job sites to use, how to use your connections to boost your job hunt, how to ace the interview, how to follow up, and more advice on how to get hired for your next job. Also, consider working with a recruiter to maximize your opportunities. Review a list of the best job sites to use to get started....

Shop Around One of the best ways to reduce your commercial insurance premiums is to shop around. Comparison shopping is essential since two insurers may charge widely different rates for the same coverage. If you’re knowledgeable about insurance coverages and are comfortable using the internet, you can shop for insurance online using a web-based insurance agency like Insureon or CoverWallet. If you don’t know what coverages you need or prefer a more personalized approach to shopping, you can ask an independent agent to solicit quotes on your behalf....

You will tend to lean toward asset classes based on what you know and need at that time. When your life changes and as you age, your needs change. You’ll go from needing growth to needing a stable income. Different types of assets can meet these changing needs. Learn about the three classes to help you decide how to begin investing and saving. Acquiring an Ownership Stake in a Business Owning a business (or parts of one) has been a great way to build wealth in the past....

Ditch the Dorm Depending on where the college is located, there may be housing options off campus that are more affordable than room and board costs for living in a dorm. Houses and apartments in the area may be a way to save on the cost of living at college and be just a short walk away from campus. When looking for off-campus housing, save even more on rent by finding roommates to share the house or apartment with....

In general, five approaches have met the test for many retirees. Each has its pros and cons, and their suitability can depend on your own personal circumstances. Guaranteed Outcome If you want to be able to count on a certain outcome in retirement, you can make it happen, but it will probably cost a bit more than a strategy that comes with less of a guarantee. Creating a certain outcome means using only safe investments to fund your retirement income needs....

Sooner or later, your hole-digging spending habits will catch up with you. Soon, you’ll deplete your savings, max out your credit cards, and run out of places to borrow money. Keep your spending within your monthly income so that you’re living within your means and not creating debt. Reduce your spending below your income and use the extra money to pay down your debt. When you use these methods to pay bills and make purchases, you’re creating debt....

Applying for the First Credit Card You See You may see a commercial for a credit card that sounds like a great deal. Or, you may receive a pre-approved offer in the mail and the card sounds just too good to be true. Before you put in the application, consider that this card may not be the best deal out there. There are dozens of credit cards on the market so you should never apply for a card – no matter how attractive it seems – without looking at your other options....

1. When Should I Begin Taking Social Security? The question of when to take Social Security is at the top of the list because it’s a decision nearly every American must make. You get less monthly income if you begin benefits early, and more monthly income if you delay benefits. Too many people assume that this is a simple decision, and they take the option that puts money in their pockets early on....

Futures Expiration Dates Futures contracts are based on commodities brought to exchange and bought by parties that need them. Corn, oil, beef, precious metals, and other materials are examples of items that are bought and sold on exchanges. Investment companies use these products to create securities. They then sell them on the exchanges. Futures contracts (the securities) are traded based on the prices of the underlying products. That means the prices of the securities rise and fall with the prices of the products....

The country’s annual GDP growth rate is forecast to hit 3.3% in 2022. That’s better than the rate in many developed countries. Mexico’s Growing Economy Given Mexico’s proximity to the U.S., the country tends to react more to U.S. events than to those of countries south of its borders. This creates an interesting dynamic for those outside the country who are looking to invest. Mexico’s economy is heavily export-based, compared to many other developed countries, with 39....

Learn more about how lease purchase payments work and the advantages they have for both tenants and sellers. Lease Purchase Payments Generally, the seller will want the tenant to give a non-refundable payment in advance to “purchase” the option to later buy the property. This is called an “option” payment, and it can be any amount. It “locks in” the tenant’s option to purchase, even if the landlord later has a change of heart....

To set you on your way and help you seed your portfolio, here is a list of broad agriculture ETFs and commodity-specific funds related to the agriculture industry. What Are Agriculture ETFs? Agriculture ETFs can be used to diversify or stabilize a portfolio, hedge risk to certain countries dependent on an agriculture commodity, or even create a new investing opportunity. They are also a little easier on the wallet when it comes to commissions and fees....

“These fees impede competition by making it difficult for families to shop around based on the actual cost of a product or service,” the bureau said in a blog post. “We want to hear from stakeholders—including consumers and small business owners—from across the financial marketplace about their experiences with fees associated with financial products and services.” The bureau defines junk fees as fees that are hidden from the customer, charged for obscure reasons, appear too high for what they provide, or seem like they should be covered by the basic cost of a service....

How a business is owned and taxed may help you decide which form of business is right for you. Business Ownership vs. Self-Employed All self-employed people are business owners, but not all business owners are self-employed. Here’s why: Business owners don’t get a paycheck or pay taxes as an employee unless they do work as an employee in addition to their business ownership. As a business owner (except for corporate shareholders) you aren’t taxed on the money you take out of the business....

What the IRS Has To Say About It The IRS announced its position on whether credit card rewards are taxable in 2002: This advice covers frequent flyer miles and “in-kind” benefits, which roughly translates to “something similar.” The IRS takes the position that this includes cash back on credit card purchases, because you’re effectively getting a rebate on the money you already spent. According to the IRS, you don’t have to pay taxes on cash-back rewards any more than you would have to pay on that $50 rebate you got when you bought an appliance....

With 2020 tax returns now in the books for most of us, adjusting your withholding as soon as possible may spare you from a tax bill—or a refund—different from what you expect when you file taxes next year. Most people with an employer have federal income tax withheld from each paycheck. If that’s you, review it every year to ensure you’re having the correct amount of taxes taken out, the IRS wrote in a new Tax Tip on Wednesday....

What Causes Bank Failures Banks fail when they’re no longer able to meet their obligations. They might lose too much on investments or become unable to provide cash when depositors demand it. Ultimately, failures happen because banks don’t just keep your money in vaults. When you walk in and deposit cash (or deposit funds electronically), the bank invests that money. A simple form of investment is making loans to other bank customers so they can earn interest—and pay you interest on your deposits....

He has a reputation for being well-informed on the complex financial environment in the United States. He was an expert on housing and mortgage regulation. He focused on protecting homeowners, especially those with lower incomes. Frank was criticized for defending Fannie Mae and Freddie Mac. For that reason, some blame him for the subprime mortgage crisis. In a 2012 interview, Frank said the true cause was banks’ overreliance on derivatives....

Approaching Family Wealth Management as a Couple Managing money and making investment decisions as a couple can sometimes be challenging if you have different financial goals and different ideas about how to achieve them. In a 2021 Fidelity Investments survey, for example, just under half of couples disagreed about the age at which they should retire and 51% couldn’t agree on how much they’d need to save for retirement to enjoy their desired lifestyle....

Specific hours provide the greatest opportunity for day trading, so trading only during these hours can help maximize your efficiency. Trading all day takes up more time than is necessary for very little additional reward. In many cases, even professional day traders tend to lose money outside of these ideal trading hours. Best Times to Day Trade the Stock Market The best times to day trade the stock market may be the first two hours of the day....