Tag: AS
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What are the classifications of bank credit?
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Bank credit ratings are estimates of the probability of a bank’s bankruptcy or default. They are grades assigned by agencies like Moody’s Investors Service. Bank credit ratings are estimates of the probability of a bank’s bankruptcy or default. They are grades assigned by agencies like Moody’s Investors Service. Definition and…
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How to Find the Best Credit Cards Based on Your Credit Score
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Understanding Your Credit Score Credit cards offer a convenient way to pay for goods and services, and higher credit limits allow cardholders to handle emergencies when necessary. It can be challenging to get approved if you have bad credit, but with a good credit score, you should be able to…
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Payroll Taxes: The Basics for Employers
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Payroll taxes are taxes withheld by employers from employees’ wages and deposited on behalf of the employees and themselves to the appropriate tax authorities. As an employer, you are expected to collect and pay these taxes through your payroll process. Payroll Tax Guarantees U.S. federal payroll taxes consist of several…
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What is the remaining charitable trust with fixed installments?
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Definition and Example The Charitable Remainder Annuity Trust (CRAT) is an estate planning option that allows the grantor to hold assets for the benefit of one or more beneficiaries. A Charitable Remainder Annuity Trust is a type of trust that provides a regular income stream to you and your named…
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22 Websites to Sell Things Online (2023)
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By: Michael Keenan Introduction The number of selling websites has rapidly increased, leading entrepreneurs to wonder: should they sell goods through online platforms? Currently, there are hundreds of places to sell items online. Some sites focus on specific niches like video games and technology, while others allow sellers to sell…
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What is the bottom of the stock?
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Definition and examples of a stock bottom How does a stock bottom work? What does this mean for individual investors? Definition and examples of a stock bottom A stock bottom refers to the stage where the stock price declines and then rebounds in response to the volume of sellers versus…
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Working with a Flexible Schedule – Definition and Guide
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What Does Working on a Flexible Schedule Mean for Employees? A flexible schedule allows employees to work at hours that differ from the standard starting and ending times set by the company. Especially in the case of exempt employees, these hours are typically from 8 AM to 5 PM or…
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The Right Way to Gift Money to Your Children
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Setting a Goal Before giving a financial gift, you need to understand why you are doing it. You may be looking to fund a future goal such as college education or retirement, or you may want to teach a child how to invest in stocks or mutual funds. You might…
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What is voluntary payment?
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Definition and Examples of Ex Gratia Payment How Ex Gratia Payment Works What Does Ex Gratia Payment Mean for You? Definition and Examples of Ex Gratia Payment The Latin term “Ex Gratia” means “out of kindness.” When you receive an ex gratia payment from your insurance company, you are receiving…
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What are voting shares?
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Voting shares are a type of stock that investors can purchase in publicly traded companies. They grant shareholders the right to express their opinions on certain company decisions, such as electing board members and taking other actions related to the company. Definition and Example of Voting Shares Voting shares are…
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Should You Pay Equal Rent When Your Partner Earns More?
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Introduction: You and your friend are considering moving in together this year. Your friend makes a lot more money compared to you (three times more). Should you try to find an apartment you can both afford half of, but that isn’t as nice? Or should you look for a better…
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What is a will plan?
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Definition and example of an estate plan How an estate plan works Benefits of an estate plan Definition and example of an estate plan An estate plan is a strategy for managing assets and wealth during your lifetime and after your death. You create an estate plan according to your…
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What is an investment line of credit?
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Investment lines of credit explained in under 5 minutes Definition of Investment Line of Credit and Examples An investment line of credit, also known as “securities-based lending,” involves using securities as collateral for loans extended to investors. Financial institutions set standards for acceptable collateral for lines of credit. Qualified securities…
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Benefits of Passive Investment in Cultural Funds in Delaware
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Many old-school investors who own highly appreciated real estate assets are looking for more passive investment opportunities. Professional management of passive ownership can allow them to focus on other life opportunities they may have always been passionate about but haven’t had the time to enjoy. Benefits of Passive Investing Instead…
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How much do stock traders earn in one day?
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Day trading in stocks is considered an intriguing subject, leading many to wonder about the amount of money stock traders can make in a single day. The amount of money that stock traders earn in a day can vary greatly; some may lose their entire capital, while others leverage their…
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February Budget Challenge
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Since February is a short month, it’s a great time to participate in a frugal challenge. The frugal challenge is similar to a no-spend challenge, but it’s not as intense. If better financial planning is among your New Year’s resolutions, or if you simply want to find ways to save…
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The Impact of Credit Mix on Your Credit Scores
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What is Credit Mix? Credit mix refers to the types of credit accounts you have in your credit report. It is also one of the key factors that contribute to your credit score. How Does it Affect Your Credit Scores? The credit mix reflected in your credit reports is a…
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Subsidiary Company: What is it?
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What is a Subsidiary? A subsidiary is a company that is controlled and owned to a significant extent by another company. The company that controls the subsidiary is called the parent company or sometimes a holding company. How Does a Subsidiary Work? Subsidiaries are common in certain industries, especially in…
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Chicago Mercantile Exchange – CME
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The Chicago Mercantile Exchange, also known as CME Group, is the largest and most influential futures exchange in the world. The commodity futures exchange is a marketplace where participants buy and sell futures contracts and options on futures for delivery on specific dates in the future. Trading can occur either…
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Steps to Sell a Car Quickly
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Get Your Documents in Order To sell your car legally and avoid a last-minute frantic search, you’ll need to gather several documents: – Title: To sell your car and transfer ownership, you’ll need the title paper, at least from the government’s perspective. – Vehicle Sales Forms: Your state’s Department of…
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The magnetic field of Mars lasted longer than previously thought.
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The study of planets and the exploration of their geological history are among the most important scientific fields that contribute to understanding the origin of the solar system. In this context, Mars stands out as one of the celestial bodies that attract scientists’ attention, as new research has shown that…
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What is a credit card?
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Definition of Credit Card and Examples A credit card is a small card made of plastic or metal issued by a financial company. It allows you to make purchases by borrowing money up to a certain limit. Examples of credit cards include the Chase Sapphire Preferred card. This card offers…
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How does a 0% balance transfer work?
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Introduction You cannot pay off one credit card using another credit card, but you can transfer the balance to another credit card using a balance transfer. Some credit card companies offer special promotional interest rates on balance transfers to attract new customers. Benefits of 0% Balance Transfers You can maximize…
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How Savings Accounts Can Teach Your Children About Money
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The Importance of Savings Accounts for Children Savings accounts are a useful tool for teaching children about money. Children can use a savings account to understand the importance of setting financial goals and how to work towards achieving them by setting money aside regularly. But how do you know when…