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Find out more about when trade options in a Roth IRA might be a good move, some of the rules you’ll need to follow, a closer look at the pros and cons, and alternative ways to bulk up your retirement savings. What Is Options Trading? Options trading is when you buy or sell the right to purchase or sell a stock at a future point in time, said Ryan Shuchman, investment advisor and partner at Cornerstone Financial Services in Southfield, Michigan, in an interview with The Balance....

Why Discharges Get Denied Bankruptcy cases demand honesty and cooperation. If you fail to be honest in your paperwork or in your dealings with the court, or you fail to cooperate with the court or your trustee, your case can be dismissed or you can be denied a discharge, but still have to abide by other bankruptcy requirements. Some of the reasons your discharge could be denied include: You hid property....

The Benefits of CD Ladders CDs come with strings attached. You have to wait until a CD matures before you can pull money out—at least if you want to avoid paying a penalty that could possibly be more than what you earned in interest. You can buy what’s known as “liquid CDs" that allow you to withdraw funds at any time, but these products tend to pay less interest than traditional CDs....

The new moratorium lasts through Oct. 3, and forbids property owners from removing tenants for nonpayment of rent. Unlike the one that expired Saturday, which covered the entire country, the new eviction ban applies only to counties experiencing “substantial” to “high” rates of COVID-19 transmission, which can be checked on a CDC website. Like the old order, tenants must sign a declaration that they’re experiencing financial hardship in order to claim protection....

Most employers consider interpersonal skills to be very important for employees. Someone with solid interpersonal skills can work well with others, is a good team player, and communicates effectively. Because people skills are so important, expect at least a couple of interview questions about your interpersonal skills. Read below for advice on how to answer questions about interpersonal skills. Also see a list of common questions about interpersonal skills, and sample answers....

How Cash Is Different From Credit When your everyday transactions are done by swiping a card, you don’t physically see the money change hands. I’m sure everyone knows what spending $2.00 on a cup of coffee feels like but the fact you only see this number in the form of a receipt or on the cash register display doesn’t have the same effect as reaching into your wallet or purse and physically handing the money to someone else....

Country Financial is headquartered in Bloomington, Illinois with over 2,000 employees. Regional offices include Salem, Oregon; Arden Hills, Minnesota, Alpharetta, Georgia, Salem, Massachusetts, and Middletown, Connecticut. The organization is a Fortune 1000 Company with yearly revenue of over $3 billion and services clients in 14 states. Kurt Bock is the company’s CEO. Country Financial participates in many community outreach programs including Employer Support of the Guard and Reserve, YWCA, YMCA, Neighborhood Housing Services of Chicago and Habitat for Humanity....

Futures based upon currencies are similar to the actual currency markets (often known as Forex). But there are some significant differences. For instance, currency futures are traded via exchanges, such as the CME (Chicago Mercantile Exchange); currency markets are traded via currency brokers. Therefore, they are not as regulated as currency futures. There are some day traders who prefer the currency markets; others prefer currency futures. If you are considering trading in the currency futures, be sure to understand what they are based on....

More criminals are accessing data and personal information and demanding money or threatening to sell the information. According to the October 2018 Consumer Cyber Insurance and Security Spotlight Survey: Most of us are connected in one way or another. Personal cyber insurance can help if you become a victim of cyber crime. What is Personal Cyber Crime Insurance? Personal cyber crime insurance is an emerging insurance product for individuals that helps compensate you and members of your household for losses resulting from certain cyber attacks, or if you are a victim of cyber crime....

Dairyland Insurance is a partner company with the insurance comparison website Compare.com. Dairyland Cycle sponsors several motorcycle events and racing teams including the American Motorcyclist Association (AMA) Superbike Road Racing Series and Road America AMA. Financial Stability and Customer Service Ratings AM Best insurance rating organization has given Sentry Insurance an “A+” rating. It also has an “A+” rating with the Better Business Bureau; however, it lacks BBB accreditation. Sentry has a 3....

When government spending exceeds government revenue, it creates a budget deficit. Each year’s deficit is added to the sovereign debt. There is a small but important difference between the deficit and the debt. In addition to the deficit, the government lends money to itself from the Social Security Trust Fund. That adds to the debt without increasing the deficit. Causes of the Deficit Deficit spending is not an accident. The president and Congress intentionally create it in each fiscal year’s budget....

Here’s an overview of each type of resume, advice on when to use which one, and examples. Chronological Resume A chronological resume starts by listing your work history, with the most recent position listed first. Below your most recent job, you list your other jobs in reverse chronological order. This type of resume works well for job seekers with a strong, solid work history. If you are starting your career, or if you are changing career fields, you might consider a different resume type....

When the job market is competitive, there are typically many applicants for every open position, so the company may easily get a sufficient volume of applicants who live in close proximity to the company’s office or campus. In this case, you may only be given an interview if you are willing to personally foot the bills for your travel and hotel expenses. When Companies Pay for Job Interview Travel Expenses However, for top-level and C-level positions, many tenure-track jobs in academia, or jobs where the company needs to actively recruit candidates, there is much more likelihood that the employer will arrange for travel at their expense or reimburse all or some of your expenses....

A costly bill is the last thing you need to deal with in that situation, so it’s important to have the right insurance policy to protect you. Here’s what you need to know about insurance coverage for ambulance services. The Cost of an Ambulance Ride An ambulance ride might not seem like it should be expensive, but you’re paying for a lot more than a fancy Uber ride. For one, the vehicles alone can cost more than $250,000....

What Are Duplicate Checks? When you order duplicate checks, you get a checkbook that keeps a copy of every check you write. These copies are recorded onto thin pieces of paper that are behind every check. Those pieces of paper are the “duplicates.” Having a duplicate makes it easy to see who you paid, how much you spent, and when the check was written. The entire check is copied, so can also see anything you’ve written elsewhere, such as if you added your phone number to the top of the check....

If your employer offers a retirement plan, you may also be able to open and fund a Roth IRA. Learn what the differences are and what they mean to your retirement savings. What’s the Difference Between Employee Deferrals and Roth IRA Contributions? A Roth IRA is an individual retirement account. The account is individually owned and managed, and held by a custodian such as a bank or brokerage house. Your contributions aren’t deductible, but earnings grow tax-free, and qualified distributions of earnings are also tax-free....

And you don’t have to stop with those markets, there are many more markets just waiting for buyers and sellers, and there are just as many market ETFs that track them. Bond investing, in general, can be difficult. Coupon rates, default risk, duration. However, a bond ETF can alleviate some of that complexity by giving investors one pre-packaged asset that gives instant access to the bond market. When you buy an ETN, you buy a debt asset similar to a bond, but the terms of the debt contract are determined by the structure of the note....

An FHA cash-out refinance loan typically offers more relaxed requirements than conventional loans, which benefits homeowners with lower credit scores or excess debt who may not qualify for other types of cash-out programs. However, following an FHA cash-out refinance, the new loan balance is larger than the current mortgage loan. We’ll explain how an FHA cash-out refinance mortgage works and outline the requirements and costs, and help you determine if it’s the right choice....

Students with parents or guardians whose income is considered high may wonder if they should even bother filling out the Free Application for Federal Student Aid (FAFSA), the key form to apply for federal student aid. Even if you think your family’s income may be too high to qualify for financial aid, it can still be beneficial to fill out the FAFSA. What Is the FAFSA? The FAFSA, or Free Application for Federal Student Aid, is an application form college students fill out to apply for many types of financial aid....

You can use screeners in different ways to find stocks that fit your trading needs. For example, you can find stocks that often experience a lot of price volatility on high trading volume; ones that are likely to be volatile and highly traded on a particular day; or ones that are showing volatility during a certain time of day. Searching for Regularly Volatile Stocks To search for stocks that routinely display high volatility and heavy trading volumes, go to StockFetcher or another screener of your choice....