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Although all networking events share the same goal of getting people together with other people who can help them career-wise, there are some differences in where and how these events are held. Here’s a list of some of the different types of networking events and programs that are available for job seekers and career changers. Types of Career Networking Events Career Fairs Employers, recruiters, and schools often gather at career fairs to provide an opportunity for job seekers to meet in one location....

What Is an Escrow Account? An escrow account is an account designed to hold funds temporarily in safekeeping. The escrow provider should be a disinterested third party with no preference about who ultimately receives funds from the account. For example, in a real estate transaction, the escrow account does not favor the buyer or seller—they just follow the rules that buyers and sellers agree to. Escrow accounts are useful in several situations:...

Pros and Cons of Convertible Bonds Like regular corporate bonds, convertibles pay income to investors. But unlike bonds, they have the potential to rise in price if the company’s stock performs well. The reason for this is simple: Since the convertible bond contains the option to be converted into stock, the rising price of the underlying stock increases the value of the convertible security. If the stock does poorly, however, the investor might not be able to convert the security to stock and will only have the yield to show for their investment....

What Is the United Nations? The U.N.’s founding charter mandates four ambitious purposes: The charter’s mandates are established for these ends: Practice tolerance and live in peace with one another as good neighborsUnite our strength to maintain international peace and securityArmed force shall not be used except for the common interestPromote economic and social advancement of everyone The UN’s Sustainable Development Goals The U.N. has 17 sustainable development goals (SDGs). These goals center around a shared vision, principles, values, and goals that help people and the planet through strong global cooperation and inclusive partnerships....

On a conference call with investors Tuesday, Visa chairman and CEO Al Kelly said his company would continue to work with Plaid outside of a merger agreement. He added Visa will also seek partnerships with a “broad range” of fintech companies beyond Plaid. Plaid was one of five fintech companies Visa has announced plans to buy or partner with since 2019. “We’re making a judgement that there’s plenty of opportunity in this very fast-moving space, and we’re just going to move on with life and take advantage of these other opportunities rather than get bogged down in a long, drawn-out process,” Kelly said on Tuesday’s call....

Our weekly credit card news roundup contains must-know tidbits about the cards in your wallet, other offers available now, and new product announcements that made our ears perk up. What’s the Lowdown? Here’s what caught our attention between Nov. 26 and Dec. 3, 2020: BlockFi Announces First Bitcoin Rewards Credit Card The very first credit card to issue rewards in Bitcoin will make its runway debut this spring, according to a Tuesday announcement from cryptocurrency platform BlockFi....

A bargain and sale deed is much like a quitclaim deed in this respect. It conveys property, but it makes no guarantees that no one else has a stake in that property. It’s unlikely that title insurance will cover this type of deed absent some warranties. When Is This Deed Used? This type of deed is generally used in tax sales, estate sales, and foreclosure actions. The bank or taxing authority might have full knowledge of the property’s or previous owner’s past and will not go out on a limb and make any guarantees....

Your employer must follow certain rules to be able to offer a 401(k). The Employee Benefits Security Administration, part of the Department of Labor, regulates these plans and spells out the rules. What Is a 401(k) Plan? A 401(k) plan is a special type of account funded through payroll deductions that are made before taxes are paid on the balance. The funds in the account can be put into various investments, usually mutual funds....

How Altcoins Work Like Bitcoin, altcoins function using blockchain technology. A blockchain is a digital, distributed database that is simultaneously maintained by multiple, sometimes hundreds or even thousands, of computers worldwide. New transactions are verified and recorded on the blockchain as blocks of transactions. Transactions cannot be reversed after they are broadcast to a blockchain. Many altcoin creators offer unique features to differentiate their tokens from Bitcoin and other cryptocurrencies....

For example, by keeping a production line focused on one product, companies may save on the costs associated with swapping out raw materials and tools to produce different products. The most basic examples are managerial and administrative costs—you don’t have to hire more managers just because your workers start producing more items per day. Diseconomies of Scale Sometimes a company chases economies of scale so much that it becomes too large....

Alternate name: External bonds. For example, Euroyen is sent in Japanese yen, and eurodollar bonds are sent in U.S. dollars. Most eurobonds are bearer bonds that are traded through platforms such as Euroclear and Clearstream. How Eurobonds Work Imagine that a U.S.-based firm wants to expand into India’s market. Before it can do so, it needs to raise capital to build some retail spaces. The cost to build these spaces will be paid in Indian rupees, but the firm might not have a credit history in India....

Learn what fleet cards are, how to get them, and how they can benefit your business. Definition and Example of Fleet Cards Fleet cards are cards that fleet drivers can use at specified gas stations to pay for fuel and potentially other purchases, depending on the terms of the fleet card program. While fleet managers could issue their drivers typical corporate credit cards to use at gas stations, fleet cards often come with benefits such as fuel discounts and specialized fleet management analytics they can access online....

Learn about retail ETFs and what to look for when choosing among them. Definition and Example of Retail ETFs One popular retail ETF is the VanEck Retail ETF (RTH), which seeks to track the MVIS U.S. Listed Retail 25 Index. The fund includes stocks from the 25 most liquid publicly traded companies in the U.S. Companies held by the fund include retail distributors, wholesalers, online merchants, direct mail and TV retailers, specialty retailers, and food and staple retailers....

Bundles of derivatives based on mortgages and other debt are called collateralized debt obligations (CDO). They include auto loans, credit card debt, mortgages, or corporate debt. They are called collateralized because the promised repayments of the loans are the collateral that gives the CDOs their value. Tranches—and more specifically, CDOs—were widely used during the 2008 financial crisis. Some experts believe they helped cause the crisis by hiding bad loans....

Goodwill, in a sense, represents a business’s reputation within a market, which is something to consider when acquisitions are involved. Businesses that are well-known have gained popularity, or have other assets, such as branding and customer loyalty. They can sell their business for more than it’s worth since these assets can increase its price. Because these assets that generate goodwill are not physical in form, goodwill is considered an intangible asset because it still adds value to the company....

Students or recent graduates applying for entry-level positions or internships are often asked about their extracurricular activities. They are often asked follow-up questions about why they liked those activities or what they learned from them. Employers ask these questions because they want to know a bit about your personality to see if you will fit in with the company culture, if you are a well-rounded person with interests outside of work, and what skills and abilities you have that relate to the job....

It can be frustrating to realize that you don’t have this help, but you don’t have to let it stop you from attending school. You still have options available to you if you find yourself in this situation. Pell Grant Limits The Pell Grant is intended for undergraduate students who demonstrate exceptional financial need. Some of the methods used to determine eligibility and award amount are Expected Family Contribution (EFC) and cost of attendance....

Theoretically, 51% attacks could, but are unlikely to, impact large cryptocurrencies because the possibility of an individual or group controlling greater than half of all the mining or validation power of say, Bitcoin, is so unlikely as to be essentially impossible. Smaller crypto networks, which use less computing power or have more concentrated validation authority, are more vulnerable to 51% attacks. Here are a couple of examples of 51% attacks:...

Alternate name: Budgeting app A popular free budget app is Mint by Intuit. It has built-in tools to help you reach your goals, track your spending, and monitor subscriptions. You Need a Budget (YNAB) is a popular paid budget app. It’s based on the zero-based budgeting method, which requires that your spending and what you earn balances out to $0; every dollar is accounted for. How Does a Budget App Work?...

Buy, sell, and own property in its own name Enter into contracts and incur its own debts that the owners aren’t responsible for Be liable for wrongdoing, so it can be sued and can also sue when it’s been wronged A C corporation often has more than one owner, referred to as a shareholder, but it can have just one, as well. These are individuals or other companies who effectively buy into ownership of the corporation by buying shares of the business....