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Fortunately, the internet has made finding the right business partner easier than ever. Whether you’re a new business owner seeking an expert, or a veteran looking for more hands on deck, here are the best ways to find an appropriate business partner. The Benefits of a Business Partner Running a business comes with several responsibilities that can overwhelm a single owner, so having a business partner can lighten the load, said Urška Sršen, co-founder of Bellabeat, in an email to The Balance....

Gallup reports that 43% of employees work off-site, at least part of the time. So, you may have the opportunity to take your job with you when you move. If you can’t work remotely or if you’d prefer not to, then the hunt for a new job begins. That can be challenging; you may not be familiar with local companies, and you may not have as strong a network of connections in the area, either....

What Is a Certificate of Liability Insurance? A certificate of liability insurance (COI) is a document that summarizes your company’s liability insurance coverage. It serves as proof that your company has purchased general liability, auto liability, or other types of liability insurance. The document provides a general overview of your liability policies, not a detailed coverage analysis. A COI is focused on liability coverages but it is not an insurance policy nor does it provide any coverage....

However, that doesn’t mean there aren’t any requirements to get a loan. It is possible to get a home equity loan while you’re unemployed, but you still need some form of income to qualify. There are things you can do to make it more likely you’ll be approved, however. Can You Get a Home Equity Loan With No Job? It’s possible to get a home equity loan if you don’t have a job....

What Employers Look For When you go to work for a startup, you’ll be expected to start the job at full performance speed on day one. Companies look to hire people who are intrinsically motivated and have a track record of being able to learn things on their own time. You need to be self-motivated because a startup will not have the processes setup that a large company has. There may not be a human resources manager to onboard you or a manager telling you exactly what to do....

Although getting a pink slip is bound to be a stressful time, if you break down your response into bite-size steps, you’ll find it doesn’t have to be as overwhelming as it may seem. Here are some tips on how to jump-start your job search following a firing. Consider Resigning First If a termination has not been finalized, consider the option of resigning and discuss that possibility with your employer....

The key is to remember your basic rule of selling and focus on how they will benefit by serving on your advisory board rather than how you will benefit. After all, you are looking to take advantage of their advice and expertise in various aspects of your business such as management, marketing, accounting, staffing, customer service, technology, etc. It’s only human nature for a prospective advisory board member to want to know what he or she gets out of the bargain....

Demand Makes Money for Your Business Far too many times people sink their time and money into small businesses that are losers. Why do they do it? Because they wanted to do a particular thing and forgot the basic law of business profitably; there has to be market demand. It doesn’t matter if you’re a supremely talented butcher if you set up your meat shop in a strictly vegetarian town! As an example, say you want to start a small, home-based repair business....

Problems With Face-to-Face Feedback The typical employee is not comfortable giving feedback directly to a colleague, especially if it’s less than positive. Face-to-face individual feedback can be counter-productive because it tends to focus on whatever the co-worker is doing now that is bugging their colleague. Additionally, the feedback focuses on identifying problems and areas that are not working effectively. Ideally, feedback takes a more nuanced approach and focuses on ideas for improvement—not just on the negative....

So what does 2021 have in store for investors? Here are some issues to consider when formulating your investment strategy for the year. Investing During a Pandemic There is no playbook for investing during pandemics because, historically, they have been once-in-a-lifetime events that eventually end. However, parallels can be drawn with investing during a recession. According to Simon Tryzna, chief investment officer and wealth advisor at ClearPath Capital Partners, typically, “investors stay invested during a recession in accordance with their long-term strategy....

Climate change and weather disasters can be costly events, especially if you’re directly affected. Indirectly, businesses in your investment portfolio may also be impacted by climate change, for better or worse. In addition to repairs and insurance deductibles, weather disasters may lead to time in hotels, work disruptions, and other unexpected costs. Here’s a look at how to protect your money from climate change and weather disasters, wherever you live in the U....

If you’re looking for opportunities to live your life more fully, your credit card may be your gateway. Here’s what you need to know. Not all credit card rewards programs allow you to redeem your points, miles, or cash back for rewards experiences. But with the ones that do, these opportunities can be priceless. Here are just a few examples of what’s available. Where the experience requires you to bid, we share the current bid at the time of this writing....

Before you get started, it’s important to know what is involved in the refinance process and whether this is a good option for you. When to Refinance Your Auto Loan Every situation is different, and the first step to determine whether refinancing is right for you is to take a quick look at the current market and your financial position. Consider refinancing your auto loan if: Interest rates have dropped since you bought your car....

If you are about to resign, your first responsibility is to let your employer know that you are leaving. It’s important to part on good terms, and to tell your boss before you tell your soon-to-be former colleagues. You don’t want your boss to hear rumors of your departure through the grapevine. The next step is to send a goodbye message to co-workers to let them know that you are moving on to a new position, starting a job search, retiring, or doing something else with your life....

What Is a Health Savings Account (HSA)? A Health Savings Account (HSA) is a special type of tax-free savings account that you can use to save money for medical expenses if you’re enrolled in a qualified high deductible healthcare plan. Health Savings Accounts have many benefits and can double as a long-term savings tool if you don’t use the money in the plan for medical expenses. You’ll have to pay for any medical expenses up to your deductible amount before your insurance coverage kicks in if you have a high deductible health insurance plan....

Permanent vs. Term There are two main types of life insurance coverage: term and permanent. Term Life Insurance Term life insurance is the simplest form of life insurance. It provides a death benefit, or cash payout upon death, for the person insured for a certain time frame, often between one and 30 years. Some companies offer terms up to 40 years. For instance, if you had a 10-year, $250,000 policy and died during the 10-year term, the person you name as your beneficiary would receive the $250,000 death benefit....

Why Human Resources Needs Your Letter on File Your human resources department will also want a copy of your written resignation to keep in your personnel file. This enables them to keep a historical record of why you are no longer with the company. This is done to protect the company if you should change your mind, apply for unemployment benefits, or file a lawsuit about termination for any reason in the future....

Many rewards cards require you to spend a certain amount of money within the first few months of opening your account to qualify for a bonus. While you might be focused on tracking points, cash, or miles earned with your new card, it’s just as important to keep tabs on what you spend. The good news is that cash back and other rewards earned after meeting a minimum spending requirement aren’t considered taxable income....

Volunteering offers you the chance to network with people in your industry, demonstrate your skills and learn an organization inside and out. These opportunities could set you up perfectly for a job offer. Here are some tips on how to work your way from volunteer to employee. Use Volunteering to Help Your Career There are many ways that volunteer work can enhance your career. You can find a volunteer position that will help you develop new skills....

We will review how the service works, how to complete essential tasks, and how it compares with Venmo. What Is Cash App? Cash App is a social payment app that enables you to send money, invest in stocks, and buy bitcoin with your mobile device. The offering comes from Square Inc. While peer-to-peer payments are free, Cash App makes money by offering additional services at extra cost. You may pay fees for instant transfers to your debit card, bitcoin purchases, and ATM withdrawals using a Cash Card linked to your Cash App....