If you receive more money than you were supposed to from a government agency, business, or individual, you may be required to return the overpayment. In some cases, you may be able to keep the money if it was a small amount or if you can demonstrate that you were not at fault for the … Read more
Zelle makes it easy to send and receive money directly to and from your bank account. To use Zelle, you’ll need to have a U.S. bank account and a mobile number or email address associated with your account. Once you’re enrolled, you can send money to your contacts in the Zelle network, who will receive … Read more
It’s unlawful for employers to discriminate against job applicants with mental illnesses. The Americans with Disabilities Act (ADA) protects individuals with disabilities from discrimination in hiring, firing, promotions, and other conditions of employment. Employers cannot ask job applicants about their mental health conditions, and they cannot make hiring decisions based on mental illness unless it … Read more
Lencho, a poor farmer, had his field destroyed by a hailstorm. He wrote a letter to God, asking for help. The letter was delivered to the postmaster, who was a kind man. The postmaster and his employees collected the money and sent it to Lencho. When Lencho received the money, he was surprised and angry. … Read more
The cigarette tax is a sin tax because it targets activities that are considered harmful or immoral, such as smoking. Sin taxes are designed to discourage people from engaging in these activities and to generate revenue for the government. By making cigarettes more expensive, the tax encourages smokers to reconsider their habit or quit altogether, … Read more
Municipal bonds, commonly known as “munis,” are fixed-income securities issued by state and local governments, as well as their agencies, to finance infrastructure projects, such as road construction, schools, and hospitals. These bonds are exempt from federal income taxes, and in some cases, from state and local taxes, making them attractive to investors seeking tax-advantaged … Read more
Occupational therapists assist individuals in regaining or improving function in daily activities and occupations affected by injury, illness, or disability. Their salary potential depends on factors such as experience, location, and employer type. On average, occupational therapists earn a comfortable income, with the potential for higher earnings in specialized areas or leadership roles. Their valuable … Read more
If you receive disability income, you may wonder whether you need to file taxes on it. The general rule is that if the disability income is taxable under regular income tax rules, then it is also taxable for federal income tax purposes. This means that if the disability income is from a private disability insurance … Read more
Calculating the reinvestment rate involves determining the percentage of a company’s earnings that are reinvested back into the business for growth and expansion. To calculate this rate, divide the amount of earnings reinvested by the total earnings generated. For example, if a company earns $1 million and reinvests $250,000, the reinvestment rate would be 25% … Read more
Do Mutual Funds Have Points? Mutual funds do not have points in the same way that credit cards or other financial instruments do. Points are typically earned on purchases made with a credit card and can be used for rewards such as travel, merchandise, or cash back. Mutual funds, on the other hand, are investment … Read more