Tag: Commerce
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How much renter’s insurance should I get?
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As a tenant, there is one thing you should not skimp on in your budget: renter’s insurance. This is a type of insurance policy that protects you, your belongings, and your living situation after theft, damage, or any other losses covered by the policy. What Renter’s Insurance Covers Standard renter’s…
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moral hazard
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Definition of Moral Hazard “Moral hazard” is a term used in the insurance industry to describe situations where individuals may be inclined to take on greater risks if they are insured rather than uninsured. This arises when a person has limited responsibility for the risks they undertake and the costs…
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What is technical analysis?
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Technical analysis is one method of analyzing potential investments to determine when to buy or sell them. It is based on the idea that supply and demand affect the price of a security and that changes in this can predict future movements. At a more precise level, technical analysis uses…
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Key Things to Know About Global Entry
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Introduction Global entry is an important option for international travelers. When returning to the United States from abroad, the program allows you to bypass the U.S. Customs and Border Protection inspection line and use an automated kiosk to declare instead – a process that can take only a few minutes.…
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Maintaining the Benefits of Federal Employee Health Insurance in Retirement
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Requirements to Maintain Federal Employees Health Benefits in Retirement A federal employee who retires must be enrolled in the Federal Employees Health Benefits (FEHB) program and have active coverage on their retirement date to be eligible for FEHB in retirement. They must have been covered by the FEHB program for…
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SEP IRAs for Self-Employed Individuals and Small Business Owners
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Individual Retirement Accounts for Simplified Employee Pensions (SEP IRAs) are a type of retirement plan. They can be established by a self-employed person or a small business owner. Who can set up a SEP account? A high-income self-employed person without employees may consider setting up a SEP IRA account. It…
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What is currency trading?
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Currency trading involves the buying or selling of currency pairs in the foreign exchange market at a specified exchange rate. The forex market is one of the largest and most liquid markets in the world, with a daily trading value of $6.6 trillion in 2019. Definition and Examples of Currency…
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17 Trending Products and Things to Sell Online (2023)
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To achieve success in e-commerce, you need three things: high-demand products for sale, marketing skills, and the motivation to succeed. Introduction You already have a winner’s mindset – you are continually learning, researching, and preparing for success. However, finding trending products to sell can be a challenge. That’s why we…
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10 Ways Retailers Can Prepare for Holiday Shipping Delays
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A record-breaking sales season is a dream for any major shopping event – whether it’s winter holidays or back-to-school – or the launch of a highly anticipated product. But the reality is that even after making those sales, you still need to set up shipping and fulfillment processes for each…
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Jobs You Can Obtain with a Joint Diploma
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If you’re considering pursuing higher education through obtaining an associate degree, or if you’ve graduated with one, it would be beneficial to take a look at the career options awaiting you. The U.S. Bureau of Labor Statistics provides data on employment and projections for job options that require an associate…
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Subject: Request for Leave of Absence Dear [Recipient’s Name], I hope this message finds you well. I am writing to formally request a leave of absence from [start date] to [end date] due to [brief explanation of the reason, e.g., personal reasons, medical issues, family matters, etc.]. I understand the importance of my responsibilities and will ensure that all necessary tasks are delegated or completed before my leave to minimize any disruption. I am happy to discuss how to best handle my workload during my absence. Thank you for considering my request. I look forward to your understanding and support. Sincerely, [Your Name] [Your Position] [Your Contact Information]
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How to Request Leave from Work If you need to take a leave of absence from work, it’s important to submit your request in writing, both for documentation purposes and to make it easier for your manager to understand what you are requesting. How to request a leave of absence…
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Benefits of Buying a Short Sale Property
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Reasons Buyers Look for Short Sale Properties They typically buy short sale homes for the same reason that other buyers do – they like the home. It can be complicated due to being a short sale property, but the motivating factor is the same for all buyers. A secondary reason…
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Benefits of Paper Trading in Futures and Commodities
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Introduction The paper trading in futures and commodities markets is considered one of the best ways to gain trading experience without putting any of your money at risk. Most new traders face difficulties when they first enter the world of commodity trading, so it makes sense to give your trading…
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11 Easy and Profitable Crafts to Make and Sell in 2023
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Introduction If the global pandemic taught us anything, it’s that anyone can make things with their hands. DIY content has exploded on platforms like TikTok. A quick search on YouTube revealed crafting tutorials for everything from embroidery to carpentry. Sourdough bread had its moment. It’s no surprise that we all…
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What is the rate of the factor?
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Definition and Examples of Factor Rates How Factor Rates Work How to Calculate Factor Rates Are Factor Rates Higher than Interest Rates? Definition and Examples of Factor Rates The factor rate is used to calculate the cost for a borrower to obtain a loan, including the principal amount and total…
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Unemployment Benefits: How to Apply
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What is Unemployment Insurance? Unemployment insurance was first established in 1935 through the signing of the Social Security Act. It aims to provide stability for newly unemployed individuals while they search for work. Employers pay into the unemployment insurance program through a combination of state and federal taxes, and in…
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Steps to Take If You Are Forced into Early Retirement
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Evaluating Your Assets First, take an inventory of everything you own, such as your home, vehicles, and any other valuable collections like art or jewelry. Also, look at your investment accounts, such as your employer-sponsored 401(k), IRA, and other investment accounts. Another option if your income has dropped or vanished…
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How Skinny Coconut Oil Launched an $800,000 Business in 30 Days
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Stop thinking about starting your business. The success of your business idea may depend on how quickly you launch it and how successful you are in validating it. Introduction In this episode, you’ll learn from an entrepreneur who believes that you should start your business as soon as possible. He…
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3 Methods for Year-End Tax Planning
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Year-end tax planning is a practice aimed at avoiding tax penalties and making the most of the tax deductions and credits you may be eligible for. You can take these steps at any time throughout the year, but taxpayers can take some last-minute actions to turn their tax situation in…
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A New Way for Law Firms and Real Estate Agents to Reach More Clients
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Local business owners know well how important it is to stay connected with the people in your community and stand by them when they need help. That’s why Google launched Local Services ads in nine European countries in 2020, giving plumbers, carpenters, electricians, and more than ten other home service…
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What are unfunded debt obligations?
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Definition and Example of Unfunded Debt Obligations Unfunded debt obligations are debt obligations for which there are not enough funds available to pay them off. These obligations generally refer to government debt, such as that of the United States, or pension plans and their impact on savings and investment securities.…
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How to Calculate Return on Assets (ROA)
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It is useful for an investor to learn how to calculate a financial ratio known as “Return on Assets” (ROA). This ratio is a measure of management performance commonly used to compare different companies and their asset utilization. Return on Assets Formula The standard method for calculating Return on Assets…