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Why Buy Out of State? Buying a car out of state is not for the faint of heart or the undecided. Maybe you’ve found a dealership that advertises great rates for first-time customers. Or maybe you see a car in the make or model you’ve been coveting listed online. You probably shouldn’t travel out of state if you aren’t certain that you want to buy the car in question, but if you’ve done your research and truly believe that your perfect car is worth the trip, continuing that thorough preparation will help make the experience easier, though it’s definitely not a breeze!...

Why Analysts Care About Earnings Per Share Simply comparing the price of two stocks means nothing. Each share gives an investor a small piece of ownership in a company, but the price of a stock doesn’t tell you how much ownership in the company an investor is buying. Two companies may both offer shares at $10, but Company A is only worth a total of $10,000, while Company B is worth $100,000....

The average rate offered to homebuyers using a conventional 30-year fixed mortgage fell to 3.88% from 3.90% the previous business day, edging away from last week’s 3.95%, the highest we’d seen since 2020. The average for a 15-year fixed mortgage fell to 2.99% from 3.03% the previous business day, backing further from the 3.07% seen last week, also a high point since 2020. Fixed mortgage rates tend to track the direction of 10-year Treasury yields, which usually rise with heightened inflation fears (and fall when those fears subside....

The average rate offered for a conventional 30-year fixed mortgage moved to 5.87%, up from 5.83% the previous business day, while the average 15-year rate increased to 4.88% from 4.85% the previous business day. Rates for major types of mortgages have generally been on an upward trajectory for more than a week, slowly climbing back toward the peaks they reached in April. The 30-year had spiked as high as 6....

You might think you’re giving the employer many reasons to hire you, but when it comes to resume writing, there is such a thing as too much information. Employers are looking for reasons to screen out applicants when reviewing a batch of resumes to produce a manageable group of candidates to interview. Make sure you don’t include the wrong information, which is anything that might lead the company to conclude you are not motivated or qualified to do the job....

Why Employers Value Social Skills Social skills are important soft skills. While professional hard skills are acquired through education, training, or job experience, these more personal qualities are developed while interacting with others, and are key to doing so well. Almost every job requires social skills. If you work on a team, you need to be able to get along with others. If you work with clients, you must listen attentively to their questions and concerns....

A triangular moving average can be calculated using various input data, such as prices, volume, or other technical indicators. Triangle moving averages are most often applied to the price of an asset. The moving average overlays the price bars on a chart. It can also overlay the volume indicator if being applied to volume or any other indicator chosen by the trader. Triangular Moving Average Calculation The triangular moving average (TMA) is an average of an average, of the last N prices (P)....

Witthaya Prasongsin/Getty Images Here is a summary of what each type of ownership means and what will happen to the property after you die. Individual Ownership Individual ownership refers to property that is owned in your sole name without any other owners or a beneficiary designation. After you die, property owned in your individual name will usually have to go through probate to get it out of your name and into the names of your loved ones....

Some terminations will be forced by an employer, including getting fired, laid off, or furloughed. Other separations, like retirement or resignation, will be voluntary. Knowing which type of separation from employment you’ve experienced is important. It may determine whether you receive unemployment benefits and severance pay. It’s also essential to know the particulars so that you can prepare to interview for new jobs. Types of Termination and Other Employment Separations Constructive Discharge Constructive discharge, also known as constructive termination or constructive dismissal, occurs when an employee quits under duress and believes that they have no choice but to leave their employer....

Caiaimage / Paul Bradbury / Getty Images COGS is deducted from your gross receipts to figure the gross profit for your business each year. Gross receipts are the amounts your business received from sales during the year. What Is Cost of Goods Sold (COGS)? COGS is sometimes referred to as the cost of sales; it refers to the costs a company has for making products from parts or raw materials or buying products and reselling them....

Understanding who owns what is the key to creating a good estate plan. Even the most sophisticated and well-thought-out plan will fail if you don’t understand how your property is titled. It might pass directly to beneficiaries by operation of law, or it might require probate. How Property Ownership Impacts Estate Planning Property is titled according to one of three basic concepts: sole ownership, joint ownership, or title by contract....

Panicked investors withdrew billions from money market accounts where businesses keep cash to fund day-to-day operations. If withdrawals had gone on for even a week, and if the Fed and the U.S. government had not stepped in to shore up the financial sector, the entire economy would likely have ground to a halt. Trucks would have stopped rolling, grocery stores would have run out of food, and businesses would have been forced to shut down....

Semiconductor ETF Basics If you think you might want to expose your portfolio to semiconductor power, instead of buying a lot of random semi stocks, think about buying an exchange-traded fund (ETF) that targets the semiconductor sector. With a semiconductor ETF, you can have instant access to this sector without having to research individual stocks to find the right ones to invest in. That work has already been done for you....

As you invest, it is important to understand the different types of companies that your fund is investing in. The value funds are stocks from companies with a solid history, but that are selling at a price below their fundamental or intrinsic value. The growth funds invest in stocks of companies that have exhibited faster-than-average growth in revenue, earnings, or cash flows over the past few years, with the potential of further profit growth....

A Standard Lease-to-Own Arrangement Let’s say you’re a real estate investor who’s new at the game and cash poor. Or maybe you’re an investor who has maxed out his ability to get new financing. Maybe it’s a bit of both. In any case, you want to own more properties so you can lease them out for cash flow, but you purchase them outright in your current situation. That’s a shame because there are so many great bargains out there with owners who are in trouble with their mortgages....

How Much Can Be Garnished? Federal law has set limits on all types of garnishments since 1968 when Title III of the Consumer Credit Protection Act was passed. The law allows employers to garnish up to 50% of a parent’s disposable earning for past-due child support, and this increases to 60% if the parent is not supporting a spouse or another child or children who aren’t covered under the child support order in question....

What Are HUD Homes? When someone purchases a home with a HUD-insured loan and defaults on it, HUD eventually evicts the homeowner and puts the home on the market to recoup some of its losses. HUD homes are sold “as-is,” without warranty that the home is free of any defect, and are often considered “fixer uppers.” A HUD home won’t be repaired before you move in. But because the home’s appraised value incorporates improvement needs, first-time homebuyers and those with low to moderate incomes may find HUD homes more affordable....

When you invest in stocks or mutual funds or add it to a savings account, you’re putting that money to work. The goal in doing so is to grow your initial investment or deposit with interest. Money that’s allowed to sit idle, on the other hand, isn’t working for you. Having idle funds isn’t necessarily a bad thing. However, it’s important to understand how it can impact your ability to build wealth over the long term....

The R share class mutual funds are only available through an employer-sponsored retirement plan, such as a 401(k). R share mutual funds do not have a load, such as a front-end load, back-end load, or level load. However, they do have 12b-1 fees that typically range from 0.25% to 0.50%. One example of a common R share fund family seen in 401(k) plans is American Funds. You may have seen the American Funds Growth Fund of America, American Funds Fundamental Investors, or American Funds SMALLCAP World in either R1, R2, R3, or R4 share classes....

Trevor Williams / DigitalVision / Getty Images Failure to file Form 941 and similar forms will result in a 2% penalty if you’re one to five days late, a 5% penalty if you’re six to 15 days late, or 10% for payments made 16 days late or more, or within 10 days of first notice from the IRS. The maximum penalty is 15%, which is for amounts you don’t pay more than 10 days after you get your first IRS notice about the tax due....