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But Medicare, which covers many items and services, does not cover all costs. It has copayments, coinsurance, and deductibles, and often does not pay international medical bills. To limit these expenses, you can sign up for Medicare Supplement Insurance (Medigap). But, depending on when you apply, your application for coverage could be denied. Learn about the different types of Medigap plans, how to get one—and when you could be denied a Medicare supplement plan....

If so, then, it may be time for you to quit your job. Or, alternatively, you can make the decision to address the issues that you dislike about your current job. Without leaving your job, you may be able to solve the problems and make your current job—work. Determine Why You Are Unhappy in Your Current Job Do you dislike the work you do day-to-day on the job? Or, are there other problems that affect how you feel about your job?...

Failure to accept suitable work can result in the termination of your unemployment benefits. Therefore, it is important to know when you can and cannot turn down a job when collecting unemployment. The question, of course, is what constitutes suitable employment. Obviously, you won’t always be able to hold out for your dream job. But you probably hope to avoid taking something that’s far below your previous positions in terms of salary or job duties....

If you aren’t loyal to a particular airline or hotel chain, a general credit card rewards program like Chase Ultimate Rewards can offer a relatively simple way to earn points, valuable travel redemption options, and all sorts of flexibility. Chase credit cards also boast great new-cardholder bonuses that can jump-start your points stash. If you’re considering opening a Chase credit card to earn Ultimate Rewards points or want to maximize your use of a card already in your wallet, here’s what you should know about this rewards program....

Child Labor Laws The U.S. Department of Labor has a number of laws relating to businesses having children as employees. The primary law is the Fair Labor Standards Act (FLSA), which includes a number of hours and pay regulations. These laws are designed to protect the children from overly harsh work conditions (no more “sweatshops”). FLSA provisions don’t: Require minors to have a work permit or working papers (many states do)Restrict the number of hours or times of day that workers 16 and over may work (many states do)Apply if there is no FLSA employment relationship (if the child is not an employee)Require breaks, meal periods, or fringe benefits (some states do)Regulate discrimination, harassment, verbal or physical abuse, or morality (other federal and state laws do)...

Here’s what you need to know about C&I loans, along with some tips for securing one. What Are C&I Loans? Commercial and industrial (C&I) loans include most loans that are issued for business purposes. These loans are usually issued directly to businesses, rather than to individuals. A loan to an individual could qualify as a C&I loan, but only if the entirety of the loan is used exclusively for commercial, industrial, and professional purposes....

An FCM is a Futures Commission Merchant. An FCM is an individual or organization that solicits and/or accepts orders to buy or sell futures contracts, options on futures contracts, retail foreign exchange contracts or swaps and accepts money or other assets from customers to support such orders. An FCM also has the responsibility of collecting margin from customers. Commodity Futures Trading Commission The Commodity Futures Trading Commission (CFTC) regulates FCM’s....

Knowing whether you need a conforming or non-conforming loan matters because that can affect your mortgage financing options. Learning the lingo can help if you’re shopping for a home loan or soon will be. What Are Conforming and Non-Conforming Loans? A conforming loan is a mortgage that adheres to maximum loan limits as set by the U.S. government. These limits are established annually by the Federal Housing Finance Agency (FHFA)....

Instead, take into account the following fees and costs from the beginning. Remember that your lender, insurance agent, and real estate agent should be able to help you estimate these fees more precisely for your location and your purchase context. What Are the Costs of Buying a Home? One way to think about the costs of buying a home is to think about the cast of characters involved in the purchase: There’s the seller, but there’s also usually at least one appraiser, an inspector, a mortgage lender, a title insurance company representative, and possibly others....

Most credit scores are generated by two major companies: FICO, which stands for Fair Isaac Corporation, and VantageScore Solutions. How Credit Scores Work FICO and VantageScore’s scoring models enable them to generate individual credit scores using an automated process. Reading through someone’s entire credit report takes significant time, and lenders would have to spend resources doing so for every applicant if they didn’t have access to credit scores. Someone looking at your application might also miss important details in your credit report or make errors in judgment regarding the severity of some information....

Learn what types of data can be collected through customer relationship management systems and how they can improve your business. What Is Customer Relationship Management (CRM)? Customer relationship management (CRM) is the systems and processes that a business has in place to measure and improve how the company interacts with and influences customers. The goal of customer relationship management is to gather enough information about a customer and use it well enough to increase that customer’s positive interactions with the company, thereby increasing that company’s sales....

It’s best to approach your student loans proactively and create a way to ensure you can pay off your loan or find some assistance. Here are a few recommendations that can help you deal with federal student loan debt. However, you might be able to apply them to private student loans as well. Know Your Payment Amount You can’t possibly develop a realistic budget until you know the amount of money you will be expected to pay monthly....

Checking vs. Saving Checking Accounts A checking account is designed for frequent transactions, and you can use your money in a variety of ways. Automatic electronic payments: If you pay regular bills, you can have funds deducted from your checking account automatically each month, eliminating the need to manually pay bills. For example, you can set up automatic mobile phone bills, mortgage payments, and insurance premiums by providing your checking account details to anybody you want to pay....

In summary, there’s a few key differences between no-load funds and load-waived funds that are important for investors to understand before investing. Differences Between No-Load Funds and Load-Waived Funds Here are the key differences to know about no-load funds and load-waived funds: Fee Structure: A true no-load fund does not charge any load and it does not have any fees, such as 12b-1 fees, that seem hidden to many investors....

The expanded credit added a complication—and raised the stakes—to the usual tax time conflicts that divorced parents often have to negotiate, tax experts say. Not only has the question of who gets to claim which children as dependents become more important since the value of the tax credit increased significantly in 2021, but half the credit’s value was sent out ahead of time, adding another wrinkle, tax experts say, if the advance credits were sent to the wrong parent....

By design, Roth IRAs have strict income and contribution limits to prevent high net-worth investors from reaping especially favorable tax breaks. However, many high-income investors have found ways around regulations that allow them to leverage these tax benefits. Comparing Roth IRA returns across income levels, a group of researchers found that although Roth IRAs were “intended to help hard-working, middle-class Americans,” they “greatly benefited high-income individuals and amplified wealth inequality....

While all of that anxiety and uncertainty is brewing with the seller, imagine what’s going on with the buyer—probably an identical scenario. As the seller might be concerned and building a case against closing the sale—because they believe money was left on the table, the buyers might be freaking out as well. The buyers are questioning whether they paid too much because the seller accepted the offer so quickly. The buyers figure if they had offered less, the seller might have taken that amount....

Given the amount of data that these maps provide, values are shown in colors to help you quickly zero in on what you’re looking for. The best maps of the market also have features that make research both informative and fun. The bubble version of the map shows stocks in the S&P 500, the Dow Jones Industrial Average, or any index in bubbles of different colors. A pop-up chart appears with stock data when you hover over a bubble, such as payout ratio or average volume....

Real gross domestic product (GDP) grew at an annualized rate of 2% in the July-to-September quarter, decelerating from 6.7% in the second quarter and 6.3% in the first quarter and marking the slowest growth of the pandemic recovery, according to data released Thursday by the Bureau of Economic Analysis. It was even lower than the average quarterly growth of 3.1% seen between 1947 and 2020. Growth was weaker than many economists expected (the median forecast cited by Moody’s Analytics was 2....

The White House released a timeline for the new vaccine and testing mandate Thursday, saying employers of 100 or more people will have until Jan. 4 to implement the new Occupational Safety and Health Administration requirements. Employees of these larger companies will either have to be fully vaccinated against COVID-19 or submit to tests for the virus weekly and wear a face mask at work. Notably, the mandate requires employers to pay for the time off needed to be vaccinated, but doesn’t require them to pay for the testing or masks (though other laws or union rules may....