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Move-Out Checklist A tenant move-out checklist is a form that landlords should attach as a rider (also called an addendum) to the original lease agreement. This checklist provides instructions for the tenant on the procedures and the tasks they need to complete when they vacate your property. Every landlord’s move-out checklist can be different. Some like to break down detailed procedures by room, while others only provide general terms of what is expected....

It’s important to understand how interest works before you take out a loan. Different factors can impact your business loan rate, such as different interest rates. Learn the steps to getting a business loan and how to qualify for lower interest rates. How Business Loan Rates Work Interest is the amount you pay to borrow money, or the cost of getting a loan that you repay to the lender along with the principal....

A resilient economy, Hong Kong has weathered setbacks such as the Asian financial crisis of 1997 and the 2008 global economic downturn. New trade tensions with the United States, which began an escalating series of tariffs in 2018, could have a negative effect on momentum. Quintessential Free Market Economy Hong Kong was once described by economist Milton Friedman as the world’s greatest experiment in laissez-faire capitalism, letting the market do its own thing without government restriction....

Those looking to invest in Indonesia should start with the Jakarta Composite Index (JCI). While the rest of the world was in a recession between 2009 and 2012, the country’s primary equity index jumped from a low of around 1140 to a high of around 4100. And it was one of the only emerging markets in the world to come out of 2011 with any real economic growth. In this article, we’ll take a look at some of the benefits and drawbacks of investing in Indonesia, as well as how U....

For those traders who want to apply alternate strategies to the commodity ETF market, here is a list of both leveraged and inverse ETFs, broken out by commodity type, both broad and specific. What Are Leveraged and Inverse ETFs? A leveraged commodity exchange-traded fund uses debt or derivatives to amplify or increase the returns of a commodity index. Leverage refers to increasing exposure to an asset without increasing investor outlays....

Futures margin rates are set by futures exchanges, not by brokers. At times though, brokerage firms will add an extra fee to the margin rate set by the exchange, in order to lower their risk exposure. The margin is set based on how stable the market is (or isn’t), and the risk of changes in pricing. When market volatility or price variance moves higher in a futures market, the margin rates rise....

That difference alone can impact your experience as a credit card user because it will affect your card’s acceptance, benefits, and other features. What’s the Difference Between American Express and Visa? While American Express is a card issuer, Visa doesn’t issue its own credit cards. Payment Network Credit card payment networks facilitate transactions between merchants and credit card issuers. So instead of a merchant accepting credit cards based on the institutions that issue them, they accept based on the payment network....

Gas prices could get higher—at least in the short-term—if the United States moves to ban imports of Russian oil in response to the country’s continued attack on Ukraine. In a letter to lawmakers over the weekend, House Speaker Nancy Pelosi said Congress is “exploring strong legislation” that would ban the import of Russian oil and energy products into the U.S. “Our demand is going to continue strong, but that supply will go down, meaning that oil and gasoline prices will go up,” said Jay R....

The typical amount of educational debt for the nation’s young people was between $20,000 and $24,999, with student loans being the most common form of debt held by young adults and recent graduates. The average monthly payment ranged from $200 to $299 for borrowers making current payments on their loans. How Grants Can Help The monthly payments on student loan debt are affecting an entire generation of Americans in terms of their ability to meet other long-term financial goals, like buying a home, building an investment portfolio, or starting a business....

Paid vs. Free Real-Time Stock Charts Free is nice, and the data might be in real time, but it’s not “official.” Free real-time stock chart data usually comes from one data provider, which means you might not see all the price movements occurring in the stock or exchange-traded fund (ETF) you’re day trading. Free real-time stock chart data also isn’t guaranteed to be accurate or timely. When you pay for real-time official quotes, you have some recourse if the data feed is unreliable or inaccurate....

Barclays has doubled down on the golden years, introducing an uncommon rewards-earning category among cash-back rewards cards that caters to people 50 or older. The company announced on Monday the launch of a pair of AARP rewards credit cards that feature unlimited cash back or travel rewards available to the organization’s nearly 38 million members. The new card duo includes the AARP Essential Rewards Mastercard and the AARP Travel Rewards Mastercard....

Here’s what separates brick-and-mortar businesses from online ones, along with two examples to clarify those differences. What Is a Brick-and-Mortar? A brick-and-mortar is any physical storefront that sells goods and services directly to customers. Coffee shops, bank branches, grocery stores, and clothing outlets at the mall are all examples of brick-and-mortar stores. Brick-and-mortars are the antithesis to virtual companies, which conduct their business online and do not interact with customers face-to-face....

In this article, you’ll learn about the various types of licenses and permits, which might apply to your specific type of business, and how to obtain these documents. The simple answer to how to get a license or permit is to apply for it, but the question is who to apply to. Making it even more difficult, each state and locality (city, town, or county) has its own agencies, with different names....

A variety of buyer broker agreements are used throughout the United States, but three are more common than others in California. Here’s a look at them. Non-Exclusive/Not-for-Compensation Agreement This agreement outlines the broker’s/agent’s duties and obligations to the buyer. It defines agency relationships, the broker’s scope of duty, and buyer obligations. It doesn’t provide for compensation. The buyer can hire more than one broker/agent to locate a suitable property. The buyer isn’t obligated to compensate the broker/agent....

Position sizing is important, no matter what you trade with futures contracts. Here are the steps for calculating the perfect position size for your risk tolerance, account size, and preferred market. Tick Size and Value Vary by Futures Contract The tick size is the smallest possible price change that a futures contract can experience, and the tick value is the dollar value of that price change. It is set by the exchange, and it varies according to the futures contract you’re trading....

How Section 179 Deductions Work A section 179 deduction is a special kind of tax deduction that businesses can take to reduce expenses. You can elect to take this deduction on the cost of certain types of business property, including business vehicles, instead of (or in addition to) recovering the cost by depreciating the property (spreading out the cost over several years). Qualifications for Section 179 Deductions To qualify for a section 179 deduction for a business vehicle, it must be bought and put into service during the year in which you are applying for the section 179 deduction....

Depending on where you live and what type of loan you get, this might be easier or more difficult to do. In most states, your spouse doesn’t need to be listed on the mortgage. However, if you’re using an FHA loan to buy a house in one of the nine community property states, for example, your spouse’s debts will still impact your ability to get a mortgage by yourself, even if they won’t be listed on the loan....

Medicaid and Private Insurance Eligibility Generally, you can buy private insurance through your employer (if your employer offers it), directly from an insurer, or via online marketplaces. For Medicaid, states generally must cover individuals with low incomes, children and pregnant women who meet certain requirements, and those eligible for Supplemental Social Security Income—although the exact requirements may differ slightly from state to state. In some cases, you can have both Medicaid and private health insurance, as long as you meet your state’s income requirements to qualify for Medicaid....

Given that the average upfront cost of a timeshare purchase for weekly interval use was $20,170 in 2020, and timeshare developers and companies generally charge very high finance fees and interest rates, it’s understandable why you might want to refinance. Here’s how to do it. How To Refinance a Timeshare If you took out a loan to buy your timeshare and you’re not happy with your payment amount or interest rate, one possibility is refinancing your timeshare loan....

Meanwhile, most parents don’t have much saved for their children’s college. A 529 college savings plan can help you make up lost savings ground while enjoying some tax advantages. However, it’s not the only way to save for future education expenses. One alternative is using a savings bond for college planning. Savings bonds can offer predictable interest rates and stability, but they may not be right for every parent’s (or student’s) financial needs....