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msmarco_v2.1_doc_54_266479060#2_596152826 | Title: 5 Things That Don't Stay With the Home You Are Buying
Headings:
5 Things That Don't Stay With the Home You Are Buying
Key Takeaways
What Is a Fixture and What Isn't
Confusion on Fixtures
5 Things Not Usually Included in a Home Purchase
The Bottom Line
Article Sources
Content: Appliances, electronics, and other specific items are not considered fixtures. Everything is negotiable when buying and selling a house, as long as it is the contract. What Is a Fixture and What Isn't
Here’s what a typical sales contract says is a fixture and is therefore included in the sale of a property: Unless specifically excluded by this Agreement the purchase price shall also include the following, as and if now installed, stored in, or located on the Property: all presently existing plumbing, heating, electrical and central air conditioning systems; and all other permanent or attached fixtures including but not limited to, all existing shutters, awnings, wall to wall carpeting, radiator covers, cabinets, shelves, mirrors fixed in place, attic/exhaust fans, lighting and plumbing fixtures, and landscaping. 1
As a general rule, if removing an item takes a screwdriver or would damage the property, it’s considered a fixture. Items customized to the property are also usually fixtures. 2 3 4
Still not sure if something is included in your sale? You can usually use the MARIA tests to determine what’s a fixture and what isn’t: | https://www.thebalance.com/5-things-not-included-in-your-home-purchase-offer-4083212 |
msmarco_v2.1_doc_54_266479060#8_596161322 | Title: 5 Things That Don't Stay With the Home You Are Buying
Headings:
5 Things That Don't Stay With the Home You Are Buying
Key Takeaways
What Is a Fixture and What Isn't
Confusion on Fixtures
5 Things Not Usually Included in a Home Purchase
The Bottom Line
Article Sources
Content: Even though the appliances are large, heavy, and difficult to move, if they are not permanently affixed to the property, they are not a fixture and can be removed. Refrigerators (and wine fridges) can be unplugged and removed. If there is an automatic icemaker, it is easily detached, and the water system can be turned off by a shut-off valve. A seller can shut off the gas valve and remove a gas stove or, in the case of an electric stove, one can simply unplug it. A washer and dryer can be easily unplugged and removed as well. All of these appliances are usually considered personal property. Fish in the Koi Pond: While the pond or water feature itself is typically a fixture and non-removable, the fish are actually personal property. Many people who raise koi consider the fish their pets. Some of the fish will even have names. | https://www.thebalance.com/5-things-not-included-in-your-home-purchase-offer-4083212 |
msmarco_v2.1_doc_54_266920701#1_597252310 | Title: AARP Credit Card Review
Headings: AARP Credit Card from Chase Review
AARP Credit Card from Chase Review
AARP® Credit Card from Chase
Ratings Breakdown
for Interest
2.3
for Fees
3.1
for Rewards
4.5
for Credit
2.2
Who Is This Credit Card Best For?
Pros Explained
Cons Explained
Bonus for New Cardholders
Earning Points & Rewards
Redeeming Rewards
How to Get the Most Out of This Card
AARP Card from Chase’s Other Features
Customer Experience
Security Features
Fees
Our Methodology
Article Sources
Content: Credit score is one of the many factors lenders review in considering your application. 350 579
580 669
670
739
740 799
800
850
Good - Excellent
Regular APR (%)
16.24% - 22.99% variable
Annual Fee
$0
Rewards Earning Rate
Earn 3% Cash Back rewards on purchases at restaurants and at gas stations. Earn 1% Cash Back rewards on all other purchases. Foreign transaction fee (%)
3%
Ratings Breakdown
for Interest
2.3
for Fees
3.1
for Rewards
4.5
for Credit
2.2
To see how we calculate these scores, check out our full methodology. Current Offer
$100 Bonus Cash Back Rewards after you spend $500 on purchases in the first 3 months from account opening. table of contents
Pros Explained
Cons Explained
Bonus for New Cardholders
Earning Points & Rewards
Redeeming Rewards
How to Get the Most Out of This Card
AARP Card from Chase’s Other Features
Customer Experience
Security Features
Fees
Who Is This Credit Card Best For? Diligently searches for the best products and delights in a good bargain See more cards
Deal Seeker
Prioritizes sticking to their budget while buying what they want and need See more cards
Savvy Saver
This simple card is great for anyone on a fixed income and good credit. With no annual fee and small late-payment fees, you can easily reap the rewards on everyday spending without extra out-of-pocket costs—and you don’t have to be an AARP member to take advantage of this card. The card caters to those who dine out a lot and want an easy-to-understand rewards system. And you can feel good about dining out, given that 10 cents of every restaurant purchase goes to feeding Americans older than 50. ( | https://www.thebalance.com/aarp-credit-card-review-4767910 |
msmarco_v2.1_doc_54_267508018#0_598753114 | Title: Age Discrimination Issues That Workers Face
Headings:
Age Discrimination Issues That Workers Face
What is Employment Discrimination?
The Gray Ceiling
Percentage of Older People in the Workforce
Age Discrimination Issues
Age Discrimination Law
Employer Policies
Filing a Discrimination Charge
Age Discrimination and Job Search Options
Job Search Tips for Older Workers
Age Issues and Interview Success
Age and Salary Issues
Article Sources
Content: Age Discrimination Issues That Workers Face
Job Searching Career Advice
Age Discrimination Issues That Workers Face
•••
PhotoAlto/Frederic Cirou / Getty Images
By
Full Bio
Follow
LinkedIn with Background
Linkedin
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Alison Doyle is the job search expert for The Balance Careers, and one of the industry's most highly-regarded job search and career experts. Read The Balance's editorial policies
Alison Doyle
Updated November 20, 2020
Job seekers are reporting age discrimination beginning as early as the mid-thirties. In fact, in some industries, you're considered to be "washed up" by the time you reach your forties. But what can you do when you're considered to be too old to be hired? How do you fight age discrimination in the workplace? For a start, there are laws that prohibit employment discrimination because of age. In addition, there are a few strategies you can use to help mitigate age discrimination issues. What is Employment Discrimination? Employment discrimination happens when a job seeker or an employee is treated unfavorably because of his or her race, skin color, national origin, gender, gender identity, disability, religion, sexual orientation, or age. The Gray Ceiling
What is the “gray ceiling” and why does it matter? | https://www.thebalance.com/age-discrimination-issues-in-the-workplace-2058453 |
msmarco_v2.1_doc_54_267508018#1_598755081 | Title: Age Discrimination Issues That Workers Face
Headings:
Age Discrimination Issues That Workers Face
What is Employment Discrimination?
The Gray Ceiling
Percentage of Older People in the Workforce
Age Discrimination Issues
Age Discrimination Law
Employer Policies
Filing a Discrimination Charge
Age Discrimination and Job Search Options
Job Search Tips for Older Workers
Age Issues and Interview Success
Age and Salary Issues
Article Sources
Content: For a start, there are laws that prohibit employment discrimination because of age. In addition, there are a few strategies you can use to help mitigate age discrimination issues. What is Employment Discrimination? Employment discrimination happens when a job seeker or an employee is treated unfavorably because of his or her race, skin color, national origin, gender, gender identity, disability, religion, sexual orientation, or age. The Gray Ceiling
What is the “gray ceiling” and why does it matter? The gray ceiling is a term used to describe the age discrimination that many older job seekers and employees face while they’re searching for jobs or seeking promotions. Even though employers aren’t supposed to discriminate based on how old you are, getting hired can be a challenge when you’re considered to be an “older” worker. And you don't need to have gray hair to be considered too old to get hired. Percentage of Older People in the Workforce
When the House of Representatives voted unanimously to repeal the Social Security earnings cap in an amendment to the 2000 “Senior Citizens’ Freedom To Work Act,” their rationale was that removing the previous earnings limit would enable more older Americans to return to work. As of 2018, 40% of people age 55 or older were actively working in the U.S. 1 And by February 2019, about 20% of people over the age of 65 were working according to analysis of U.S. Bureau of Labor Statistics data. | https://www.thebalance.com/age-discrimination-issues-in-the-workplace-2058453 |
msmarco_v2.1_doc_54_267508018#2_598757255 | Title: Age Discrimination Issues That Workers Face
Headings:
Age Discrimination Issues That Workers Face
What is Employment Discrimination?
The Gray Ceiling
Percentage of Older People in the Workforce
Age Discrimination Issues
Age Discrimination Law
Employer Policies
Filing a Discrimination Charge
Age Discrimination and Job Search Options
Job Search Tips for Older Workers
Age Issues and Interview Success
Age and Salary Issues
Article Sources
Content: The gray ceiling is a term used to describe the age discrimination that many older job seekers and employees face while they’re searching for jobs or seeking promotions. Even though employers aren’t supposed to discriminate based on how old you are, getting hired can be a challenge when you’re considered to be an “older” worker. And you don't need to have gray hair to be considered too old to get hired. Percentage of Older People in the Workforce
When the House of Representatives voted unanimously to repeal the Social Security earnings cap in an amendment to the 2000 “Senior Citizens’ Freedom To Work Act,” their rationale was that removing the previous earnings limit would enable more older Americans to return to work. As of 2018, 40% of people age 55 or older were actively working in the U.S. 1 And by February 2019, about 20% of people over the age of 65 were working according to analysis of U.S. Bureau of Labor Statistics data. 2
Age Discrimination Issues
In addition to being considered "old," experienced candidates are sometimes considered to be more of an expense (higher salary, pension, benefits costs, etc.) than a younger applicant would be. This isn’t uncommon, and the numbers are sobering. If you’re middle-aged or even younger, keep in mind that you're not alone: Workers over the age of 45 are unemployed longer than younger workers. | https://www.thebalance.com/age-discrimination-issues-in-the-workplace-2058453 |
msmarco_v2.1_doc_54_267508018#3_598759354 | Title: Age Discrimination Issues That Workers Face
Headings:
Age Discrimination Issues That Workers Face
What is Employment Discrimination?
The Gray Ceiling
Percentage of Older People in the Workforce
Age Discrimination Issues
Age Discrimination Law
Employer Policies
Filing a Discrimination Charge
Age Discrimination and Job Search Options
Job Search Tips for Older Workers
Age Issues and Interview Success
Age and Salary Issues
Article Sources
Content: 2
Age Discrimination Issues
In addition to being considered "old," experienced candidates are sometimes considered to be more of an expense (higher salary, pension, benefits costs, etc.) than a younger applicant would be. This isn’t uncommon, and the numbers are sobering. If you’re middle-aged or even younger, keep in mind that you're not alone: Workers over the age of 45 are unemployed longer than younger workers. 3
By 2024, the number of employees over 55 years of age will reach 41 million, compared to 27 million in 2008. 4
More older workers are considering postponing retirement and continuing to work. 5
However, research has found no relationship between age and job performance. Just because you’re older doesn’t mean you’re better or worse than younger workers. Age Discrimination Law
If you believe you have been discriminated against because of your age, there are protections provided by age discrimination law. | https://www.thebalance.com/age-discrimination-issues-in-the-workplace-2058453 |
msmarco_v2.1_doc_54_267508018#4_598761011 | Title: Age Discrimination Issues That Workers Face
Headings:
Age Discrimination Issues That Workers Face
What is Employment Discrimination?
The Gray Ceiling
Percentage of Older People in the Workforce
Age Discrimination Issues
Age Discrimination Law
Employer Policies
Filing a Discrimination Charge
Age Discrimination and Job Search Options
Job Search Tips for Older Workers
Age Issues and Interview Success
Age and Salary Issues
Article Sources
Content: 3
By 2024, the number of employees over 55 years of age will reach 41 million, compared to 27 million in 2008. 4
More older workers are considering postponing retirement and continuing to work. 5
However, research has found no relationship between age and job performance. Just because you’re older doesn’t mean you’re better or worse than younger workers. Age Discrimination Law
If you believe you have been discriminated against because of your age, there are protections provided by age discrimination law. Federal Law
The Age Discrimination in Employment Act of 1967 (ADEA) protects employees 40 years of age and older from discrimination on the basis of age in hiring, promotion, discharge, compensation, or terms, conditions or privileges of employment. The ADEA applies to employers with 20 or more employees, labor organizations with more than 25 members, employment agencies, and federal, state, and local governments. It does not apply to independent contractors or military personnel. 6
This federal law is enforced by the Equal Employment Opportunity Commission (EEOC). However, a 2019 court ruling determined that the ADEA does not apply to job applicants. | https://www.thebalance.com/age-discrimination-issues-in-the-workplace-2058453 |
msmarco_v2.1_doc_54_267508018#6_598764712 | Title: Age Discrimination Issues That Workers Face
Headings:
Age Discrimination Issues That Workers Face
What is Employment Discrimination?
The Gray Ceiling
Percentage of Older People in the Workforce
Age Discrimination Issues
Age Discrimination Law
Employer Policies
Filing a Discrimination Charge
Age Discrimination and Job Search Options
Job Search Tips for Older Workers
Age Issues and Interview Success
Age and Salary Issues
Article Sources
Content: 7 It remains to be seen if this decision will be appealed or if Congress will enact any further legislation clarifying the issue. The language to date on the EEOC website still refers to protections for job applicants. State Laws
Each state has its own laws providing protection for older workers. These may provide stronger protections for older workers than the federal law. Such laws often apply to most or all employers, and not just those with 20 or more employees. Consult your state’s department of labor for information about laws in your location. Employer Policies
Many employers have policies in place prohibiting hiring managers from advertising jobs in a way that would weigh against older candidates or practicing any form of age discrimination. The Society for Human Resource Management (SHRM), the preeminent professional organization in the field, recommends hiring the best candidate for the job regardless of age in its guidance to members . After reviewing any state laws regarding age discrimination, candidates who suspect discrimination should consult an HR professional, particularly someone charged with diversity compliance at the company, to see if they have a policy related to age discrimination. Filing a Discrimination Charge
Be aware that the ADEA prohibits advertising that a certain age is preferred for a position, limiting training to younger workers, and in most cases requiring retirement at a specific age. | https://www.thebalance.com/age-discrimination-issues-in-the-workplace-2058453 |
msmarco_v2.1_doc_54_267508018#7_598766840 | Title: Age Discrimination Issues That Workers Face
Headings:
Age Discrimination Issues That Workers Face
What is Employment Discrimination?
The Gray Ceiling
Percentage of Older People in the Workforce
Age Discrimination Issues
Age Discrimination Law
Employer Policies
Filing a Discrimination Charge
Age Discrimination and Job Search Options
Job Search Tips for Older Workers
Age Issues and Interview Success
Age and Salary Issues
Article Sources
Content: Consult your state’s department of labor for information about laws in your location. Employer Policies
Many employers have policies in place prohibiting hiring managers from advertising jobs in a way that would weigh against older candidates or practicing any form of age discrimination. The Society for Human Resource Management (SHRM), the preeminent professional organization in the field, recommends hiring the best candidate for the job regardless of age in its guidance to members . After reviewing any state laws regarding age discrimination, candidates who suspect discrimination should consult an HR professional, particularly someone charged with diversity compliance at the company, to see if they have a policy related to age discrimination. Filing a Discrimination Charge
Be aware that the ADEA prohibits advertising that a certain age is preferred for a position, limiting training to younger workers, and in most cases requiring retirement at a specific age. Any individual who believes that his or her employment rights have been violated may file a charge of discrimination with the EEOC. Here’s how to file a charge of employment discrimination . Age Discrimination and Job Search Options
What options are there for those potential employees who are considered "old" by hiring managers and companies? How can you address the perception that older workers are not as capable or as qualified as their younger counterparts? There are strategies older job seekers can implement to help expedite a job search, and to find gainful and meaningful employment. | https://www.thebalance.com/age-discrimination-issues-in-the-workplace-2058453 |
msmarco_v2.1_doc_54_267508018#8_598769093 | Title: Age Discrimination Issues That Workers Face
Headings:
Age Discrimination Issues That Workers Face
What is Employment Discrimination?
The Gray Ceiling
Percentage of Older People in the Workforce
Age Discrimination Issues
Age Discrimination Law
Employer Policies
Filing a Discrimination Charge
Age Discrimination and Job Search Options
Job Search Tips for Older Workers
Age Issues and Interview Success
Age and Salary Issues
Article Sources
Content: Any individual who believes that his or her employment rights have been violated may file a charge of discrimination with the EEOC. Here’s how to file a charge of employment discrimination . Age Discrimination and Job Search Options
What options are there for those potential employees who are considered "old" by hiring managers and companies? How can you address the perception that older workers are not as capable or as qualified as their younger counterparts? There are strategies older job seekers can implement to help expedite a job search, and to find gainful and meaningful employment. For the older applicant, it’s especially important to utilize the available resources for finding attractive positions, as well as to be aware of the online protocols for applying for a position. For example, here are tips for job searching and writing resumes and cover letters specifically tailored to older job seekers. Job Search Tips for Older Workers
There are ways you can tweak your resume to minimize the impact of being considered an “older” job seeker: When you write your resume, limit your experience to 15 years for a managerial job, 10 years for a technical job, and five years for a high-tech job. Leave your other experience off your resume or list it without dates in an “Other Experience” category. | https://www.thebalance.com/age-discrimination-issues-in-the-workplace-2058453 |
msmarco_v2.1_doc_54_267508018#9_598771108 | Title: Age Discrimination Issues That Workers Face
Headings:
Age Discrimination Issues That Workers Face
What is Employment Discrimination?
The Gray Ceiling
Percentage of Older People in the Workforce
Age Discrimination Issues
Age Discrimination Law
Employer Policies
Filing a Discrimination Charge
Age Discrimination and Job Search Options
Job Search Tips for Older Workers
Age Issues and Interview Success
Age and Salary Issues
Article Sources
Content: For the older applicant, it’s especially important to utilize the available resources for finding attractive positions, as well as to be aware of the online protocols for applying for a position. For example, here are tips for job searching and writing resumes and cover letters specifically tailored to older job seekers. Job Search Tips for Older Workers
There are ways you can tweak your resume to minimize the impact of being considered an “older” job seeker: When you write your resume, limit your experience to 15 years for a managerial job, 10 years for a technical job, and five years for a high-tech job. Leave your other experience off your resume or list it without dates in an “Other Experience” category. Consider using a functional resume rather than a chronological resume. In addition, it would help to review these job searching tips for older workers. Plus, you can take a look at some resume tips for older job seekers along with a few cover letter tips for older job seekers as well. Age Issues and Interview Success
It’s important to emphasize the positive when interviewing: Project yourself as cheerful and flexible and back that up with proof of your skills and successes. | https://www.thebalance.com/age-discrimination-issues-in-the-workplace-2058453 |
msmarco_v2.1_doc_54_267508018#10_598773004 | Title: Age Discrimination Issues That Workers Face
Headings:
Age Discrimination Issues That Workers Face
What is Employment Discrimination?
The Gray Ceiling
Percentage of Older People in the Workforce
Age Discrimination Issues
Age Discrimination Law
Employer Policies
Filing a Discrimination Charge
Age Discrimination and Job Search Options
Job Search Tips for Older Workers
Age Issues and Interview Success
Age and Salary Issues
Article Sources
Content: Consider using a functional resume rather than a chronological resume. In addition, it would help to review these job searching tips for older workers. Plus, you can take a look at some resume tips for older job seekers along with a few cover letter tips for older job seekers as well. Age Issues and Interview Success
It’s important to emphasize the positive when interviewing: Project yourself as cheerful and flexible and back that up with proof of your skills and successes. Review the benefits of older workers—commitment to a career, hands-on experience, a track record of success, stable and realistic expectations—and think about how they apply to you. Use storytelling techniques to back up your claims to these skills. Relate examples of hard work, extra hours devoted to a job, and physically demanding outside interests that demonstrate vitality. Exude energy and enthusiasm in your verbal and non-verbal communication. Finally, review these job interview tips for older job seekers. | https://www.thebalance.com/age-discrimination-issues-in-the-workplace-2058453 |
msmarco_v2.1_doc_54_267508018#11_598774684 | Title: Age Discrimination Issues That Workers Face
Headings:
Age Discrimination Issues That Workers Face
What is Employment Discrimination?
The Gray Ceiling
Percentage of Older People in the Workforce
Age Discrimination Issues
Age Discrimination Law
Employer Policies
Filing a Discrimination Charge
Age Discrimination and Job Search Options
Job Search Tips for Older Workers
Age Issues and Interview Success
Age and Salary Issues
Article Sources
Content: Review the benefits of older workers—commitment to a career, hands-on experience, a track record of success, stable and realistic expectations—and think about how they apply to you. Use storytelling techniques to back up your claims to these skills. Relate examples of hard work, extra hours devoted to a job, and physically demanding outside interests that demonstrate vitality. Exude energy and enthusiasm in your verbal and non-verbal communication. Finally, review these job interview tips for older job seekers. Age and Salary Issues
Let potential employers know that you are flexible. Even though you may have earned six figures per year in the past, perhaps you no longer need that much, or maybe you’re willing to accept a lower salary to get your foot in the door. If that's the case and salary requirements are expected to be included in your cover letter, mention that your salary requirements are flexible or negotiable based upon the position and the entire compensation package, including benefits. Article Sources
U.S. Bureau of Labor Statistics. " Employment Projections: | https://www.thebalance.com/age-discrimination-issues-in-the-workplace-2058453 |
msmarco_v2.1_doc_54_267508018#12_598776458 | Title: Age Discrimination Issues That Workers Face
Headings:
Age Discrimination Issues That Workers Face
What is Employment Discrimination?
The Gray Ceiling
Percentage of Older People in the Workforce
Age Discrimination Issues
Age Discrimination Law
Employer Policies
Filing a Discrimination Charge
Age Discrimination and Job Search Options
Job Search Tips for Older Workers
Age Issues and Interview Success
Age and Salary Issues
Article Sources
Content: Age and Salary Issues
Let potential employers know that you are flexible. Even though you may have earned six figures per year in the past, perhaps you no longer need that much, or maybe you’re willing to accept a lower salary to get your foot in the door. If that's the case and salary requirements are expected to be included in your cover letter, mention that your salary requirements are flexible or negotiable based upon the position and the entire compensation package, including benefits. Article Sources
U.S. Bureau of Labor Statistics. " Employment Projections: Civilian labor force participation rate by age, sex, race, and ethnicity ." Accessed June 16, 2020. CapitalOne, United Income. " Older Americans in the Workforce ." Accessed June 16, 2020. | https://www.thebalance.com/age-discrimination-issues-in-the-workplace-2058453 |
msmarco_v2.1_doc_54_267508018#14_598778946 | Title: Age Discrimination Issues That Workers Face
Headings:
Age Discrimination Issues That Workers Face
What is Employment Discrimination?
The Gray Ceiling
Percentage of Older People in the Workforce
Age Discrimination Issues
Age Discrimination Law
Employer Policies
Filing a Discrimination Charge
Age Discrimination and Job Search Options
Job Search Tips for Older Workers
Age Issues and Interview Success
Age and Salary Issues
Article Sources
Content: NCBI. " Unemployment among younger and older individuals: does conventional data about unemployment tell us the whole story ?" Accessed June 16, 2020. U.S. Bureau of Labor Statistics. " Older workers: Labor force trends and career options ." Accessed June 16, 2020. InvestmentNews. " Why more seniors are working longer ." | https://www.thebalance.com/age-discrimination-issues-in-the-workplace-2058453 |
msmarco_v2.1_doc_54_267508018#15_598779943 | Title: Age Discrimination Issues That Workers Face
Headings:
Age Discrimination Issues That Workers Face
What is Employment Discrimination?
The Gray Ceiling
Percentage of Older People in the Workforce
Age Discrimination Issues
Age Discrimination Law
Employer Policies
Filing a Discrimination Charge
Age Discrimination and Job Search Options
Job Search Tips for Older Workers
Age Issues and Interview Success
Age and Salary Issues
Article Sources
Content: Older workers: Labor force trends and career options ." Accessed June 16, 2020. InvestmentNews. " Why more seniors are working longer ." Accessed June 16, 2020. AARP. " Age Discrimination Fact Sheet ." Accessed June 16, 2020. Jurist/University of Pittsburgh. " | https://www.thebalance.com/age-discrimination-issues-in-the-workplace-2058453 |
msmarco_v2.1_doc_54_275351287#0_617815142 | Title: Why Acting on Stock Price Can Be a Mistake
Headings:
Why Acting on Stock Price Can Be a Mistake
What Makes Investors Buy High
What Traders Do Is Speculation
Selling Low Can Be a Bad Decision
The Bottom Line
Article Sources
Content: Why Acting on Stock Price Can Be a Mistake
Assets & Markets Stocks
Part of
Becoming a Seasoned Investor
Overview
Laying the Foundation
Build a Plan
Investment Objectives
Investment Fees
Understanding Growth
Understanding Yourself
Building Your Portfolio
Diversification
Stocks
Commodities
Real Estate
Foreign Markets
Forex
Bonds
Forming a Strategy
Buying & Selling
Mutual Funds
ETFs
Active vs. Passive
Index Funds
Long-Term Funds
Dividend Stocks
Reinvesting Dividends
Planning for the Future
Tax Diversification
Neutralizing Inflation
Allocating Retirement Money
Weathering Declines
Rebalancing
Why Acting on Stock Price Can Be a Mistake
•••
Supachai Laingam / EyeEm / Getty Images
By
Full Bio
Follow
LinkedIn with Background
Linkedin
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Ken Little is an expert in investing, including stocks and markets. He is the author of 15 books on investing and his career in finance includes roles as business news editor and VP of Marketing for a financial services firm. Read The Balance's editorial policies
Ken Little
Updated March 28, 2020
Buying low and selling high is investment advice that's been passed along for generations. It's the ultimate guide to successful stock investing and a virtual mantra of seasoned investors. Remove emotions from the equation. Invest for the long haul, even if that means decades. What Makes Investors Buy High
Many investors do the reverse. It's not that they start with the intention of buying high and selling low, but far too often, they use price and price movement as their only signal to buy or sell. Stocks that have gone up in price quickly—especially those in trendy industries with a lot of press—often attract even more buyers, which drives the price up even higher. People get excited about what they read, and want a part of the action. | https://www.thebalance.com/buying-high-selling-low-3141301 |
msmarco_v2.1_doc_54_276215607#1_620153485 | Title: How to Cook a Frozen Ham Without Thawing It
Headings: How to Cook a Frozen Ham Without Thawing It
How to Cook a Frozen Ham Without Thawing It
Frozen Ham Cooking Instructions and Temps
Frozen Ham Cooking Times
Save the Pan Drippings
How to Cook Smaller Portions of Frozen Ham
What to Do With Your Leftover Ham
Content: Illustration: Julie Bang. © The Spruce, 2019
Frozen Ham Cooking Instructions and Temps
Preheat your oven to 325 F. While you're waiting for the oven to come to temperature, place your ham in a roasting pan. Don't have a roasting pan? No problem. There are some things you can use if you don't have a roasting pan. Then, add an inch of water to the bottom of the pan. The rack that came with your roasting pan should hold the ham above the water, so be careful not to overfill the pan. No rack? Just add some onions and carrots to the bottom of the pan to prop your ham up. | https://www.thebalance.com/can-you-cook-a-frozen-ham-1388002 |
msmarco_v2.1_doc_54_276215607#6_620161428 | Title: How to Cook a Frozen Ham Without Thawing It
Headings: How to Cook a Frozen Ham Without Thawing It
How to Cook a Frozen Ham Without Thawing It
Frozen Ham Cooking Instructions and Temps
Frozen Ham Cooking Times
Save the Pan Drippings
How to Cook Smaller Portions of Frozen Ham
What to Do With Your Leftover Ham
Content: Save the Pan Drippings
Since your frozen ham will be in the oven for a while, all those pan dripping will have probably turned into ham broth by the time your ham is done. Just de-fat the drippings, and you have the perfect base for a tasty pot of soup. How to Cook Smaller Portions of Frozen Ham
Have frozen bacon, or a slice of frozen ham, that you'd like to serve for dinner? Just use these tips to thaw your meat quickly, or pop it straight in the oven to thaw and cook. As with larger cuts of pork, you can expect it to take 50 percent longer for your meat to reach a safe temperature. Keep a close eye on your dinner, while it cooks, so you pull it out when it's done (but not overdone). What to Do With Your Leftover Ham
When you get finally tired of eating ham sandwiches, pop your ham back in the freezer to enjoy later. It's perfectly fine to refreeze meat. Here's the scoop on how long ham stays safe to eat in the freezer. Be sure to hang on to the ham bone, too. | https://www.thebalance.com/can-you-cook-a-frozen-ham-1388002 |
msmarco_v2.1_doc_54_277456326#16_623458349 | Title: China Economic Growth: Cause, Pros, Cons, Future
Headings: China's Economic Growth, Its Causes, Pros, Cons, and Future
U.S. & World Economies World Economy
China's Economic Growth, Its Causes, Pros, Cons, and Future
It's Good That China's Growth Is Slowing. Really.
Causes
Advantages
Disadvantages
Future Growth
The Bottom Line
Article Sources
Content: One way to boost wealth is by encouraging investment in China's stock market. That allows companies to rely less on debt, and more on selling stocks, to fund growth. It also helps the tech companies that are listed on the Shenzhen exchanges. China recently installed the Connect program between the mainland exchanges and the Hong Kong stock market. The Bottom Line
Massive government spending has stoked China’s unprecedented growth over the last 30 years. Government control over major companies and the yuan’s exchange rate have generated large improvements in the Chinese economy. Its regulations on foreign businesses have helped as well. But China’s present debt-to GDP ratio is one of the highest in the world. Its domestic consumer demand is low. So, the nation relies heavily on exports. | https://www.thebalance.com/china-s-economic-growth-cause-pros-cons-future-3305478 |
msmarco_v2.1_doc_54_278021736#22_624969162 | Title: Commodity Futures: Definition, How They Work, Examples
Headings:
Commodity Futures, How They Work With Examples
Why Do Prices of the Things You Need the Most Change Every Day?
Key Takeaways
How They Work
Commodities Exchanges
How Futures Contracts Affect the Economy
How to Invest
How They Affect Prices
Examples
Oil
Metals
Food
Article Sources
Content: 12 Traders bid up gold prices in response to fears of ongoing economic uncertainty. Gold is often bought in times of trouble because many people see it as a safe haven. Gold prices reflect the U.S. economy. An increase in gold investments, which consequently drives gold prices up, could indicate that the economy is doing poorly. On the other hand, a decrease in gold prices could signify some health gains for the economy. Food
During the financial crisis, commodities traders created high food prices. Food prices rose 4.0% in 2007 and 5.5%in 2008. 13 That led to riots in less-developed countries. These food riots may have even led to the Arab Spring uprisings. 14
Article Sources
CME Group. " | https://www.thebalance.com/commodities-futures-and-how-they-work-3305647 |
msmarco_v2.1_doc_54_278021736#23_624970434 | Title: Commodity Futures: Definition, How They Work, Examples
Headings:
Commodity Futures, How They Work With Examples
Why Do Prices of the Things You Need the Most Change Every Day?
Key Takeaways
How They Work
Commodities Exchanges
How Futures Contracts Affect the Economy
How to Invest
How They Affect Prices
Examples
Oil
Metals
Food
Article Sources
Content: Food
During the financial crisis, commodities traders created high food prices. Food prices rose 4.0% in 2007 and 5.5%in 2008. 13 That led to riots in less-developed countries. These food riots may have even led to the Arab Spring uprisings. 14
Article Sources
CME Group. " NYMEX ." Accessed April 24, 2020. CME Group. " CBOT ." Accessed April 24, 2020. | https://www.thebalance.com/commodities-futures-and-how-they-work-3305647 |
msmarco_v2.1_doc_54_278342442#7_625792472 | Title: Comparing the Costs of Death Penalty vs. Life in Prison
Headings:
US Economy GDP Growth & Recessions
What Criminal Sentence Costs More: Death or Life in Prison?
It takes a lot of time and money to carry out the ultimate penalty
Key Takeaways
Death Penalty Background
Cost of Death Penalty Trials and Appeals
Cost of Incarceration on Death Row
Cost of Execution
Highlights and Additional Costs
Article Sources
Content: 7 This can be because they have their conviction overturned on appeal for reasons included: The underlying statute was unconstitutional. The defendant was declared not guilty. The defendant was found guilty but sentenced to a lesser punishment. Others are not executed because they die of natural causes awaiting execution or have their sentences commuted. Cost of Death Penalty Trials and Appeals
The jury selection process for a capital case is more complex than for a non-capital case. Each juror must be able to consider the evidence and render the death sentence if warranted. The trial proceeds as it normally would but is longer because of the amount of evidence that is introduced. Such factors include: Potential mental impairments of the defendant
Past criminal and social history
Whether one or more people were murdered
Whether it was done in a cruel manner
Another reason for the overall additional cost is that capital trials automatically receive an appeal at the state appellate courts. | https://www.thebalance.com/comparing-the-costs-of-death-penalty-vs-life-in-prison-4689874 |
msmarco_v2.1_doc_54_278342442#8_625794126 | Title: Comparing the Costs of Death Penalty vs. Life in Prison
Headings:
US Economy GDP Growth & Recessions
What Criminal Sentence Costs More: Death or Life in Prison?
It takes a lot of time and money to carry out the ultimate penalty
Key Takeaways
Death Penalty Background
Cost of Death Penalty Trials and Appeals
Cost of Incarceration on Death Row
Cost of Execution
Highlights and Additional Costs
Article Sources
Content: Cost of Death Penalty Trials and Appeals
The jury selection process for a capital case is more complex than for a non-capital case. Each juror must be able to consider the evidence and render the death sentence if warranted. The trial proceeds as it normally would but is longer because of the amount of evidence that is introduced. Such factors include: Potential mental impairments of the defendant
Past criminal and social history
Whether one or more people were murdered
Whether it was done in a cruel manner
Another reason for the overall additional cost is that capital trials automatically receive an appeal at the state appellate courts. However, before an appeal is filed, many defendants issue a motion for a new trial, delaying things further. If the appellate court upholds the death penalty, then the case goes to the state Supreme Court. If neither overturns the sentence, it automatically goes to a federal judge for yet another review. Some defense attorneys petition the U.S. Supreme Court as a last resort. If all the courts uphold the conviction, the defendant can ask the state's governor or even the U.S. President for clemency. | https://www.thebalance.com/comparing-the-costs-of-death-penalty-vs-life-in-prison-4689874 |
msmarco_v2.1_doc_54_278934866#0_627360039 | Title: How to Cope With Losing Your Job and How to Move On
Headings: Coping With Job Loss
Career Planning Job Loss
Coping With Job Loss
Dealing With Job Loss
Taking Care of the Practical Stuff
Moving On
Content: How to Cope With Losing Your Job and How to Move On
Career Planning Job Loss
Coping With Job Loss
•••
Steve Debenport / Getty Images Plus
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Dawn Rosenberg McKay is a certified Career Development Facilitator. She is a former writer for The Balance Careers. Read The Balance's editorial policies
Dawn Rosenberg McKay
Updated October 29, 2018
Call it what you want—being laid off or downsized, getting dismissed or fired, receiving your pink slip or your walking papers—losing your job hurts. Job loss often ranks among the highest in stress on a list of life-altering events such as a death in the family, divorce, and serious illness. It can have a profound effect on your emotional well-being. There is a typical cycle that most people experience when they go through the loss of a job. It includes denial, anger, frustration, and eventually adaptation. Dealing With Job Loss
As you can see, being separated from one's job is tough and many people experience grief much in the same way they do when someone close to them dies. It is not terribly surprising since a significant part of your life goes away when you lose your job. Many of us closely identify ourselves by what we do for a living. | https://www.thebalance.com/coping-with-job-loss-525766 |
msmarco_v2.1_doc_54_278934866#1_627361729 | Title: How to Cope With Losing Your Job and How to Move On
Headings: Coping With Job Loss
Career Planning Job Loss
Coping With Job Loss
Dealing With Job Loss
Taking Care of the Practical Stuff
Moving On
Content: There is a typical cycle that most people experience when they go through the loss of a job. It includes denial, anger, frustration, and eventually adaptation. Dealing With Job Loss
As you can see, being separated from one's job is tough and many people experience grief much in the same way they do when someone close to them dies. It is not terribly surprising since a significant part of your life goes away when you lose your job. Many of us closely identify ourselves by what we do for a living. When someone takes your job away, you can lose track of who you are and even why you are, that is, your purpose in life. If you let it, dealing with the emotional aspects of losing your job can keep you from moving forward. Have yourself a good cry and rant to your friends and family (not your coworkers) about your miserable boss. Then try to put your emotional issues aside while you address a number of significant practical ones. The first thing you must do is determine how long your financial resources will sustain you. | https://www.thebalance.com/coping-with-job-loss-525766 |
msmarco_v2.1_doc_54_278968678#4_627449465 | Title: Core Inflation Rate: What Is It?
Headings:
U.S. & World Economies Economic Terms
What Is the Core Inflation Rate?
How It's Calculated and Its Critical Role
What Is Core Inflation?
Why Food and Energy Prices Are Volatile
How the Fed Uses the Core Inflation Rate
How It's Calculated
Why the Core Rate Is Critical
Article Sources
Content: CPI Less Food and Energy, PCE Excluding Food and Energy
Why Food and Energy Prices Are Volatile
Food and energy prices are volatile because they are traded on the commodities market. Most food (like wheat, pork, and beef) and energy (oil, gas, and natural gas) are traded all day long. For example, commodities traders bid up oil prices if they suspect its supply will fall or demand will rise. They might think a war will dry up the supply of oil. They'll buy oil at today's price to sell at tomorrow's higher anticipated price. That is enough to drive up oil prices. If the war doesn't materialize, oil prices fall when they sell. Food and energy prices are dependent on rapidly-changing human emotions, not slow-moving supply and demand. Food prices rise along with gas prices because food is transported by interstate trucking. It consumes a lot of gas. | https://www.thebalance.com/core-inflation-rate-3305918 |
msmarco_v2.1_doc_54_279086695#0_627767543 | Title: Cost of Iraq War: Timeline, Economic Impact
Headings: Cost of Iraq War, Its Timeline, and the Economic Impact
Cost of Iraq War, Its Timeline, and the Economic Impact
Timeline of Iraq War Costs
FY 2003 - $90.3 Billion
FY 2004 - $90.9 Billion
FY 2005 - $105.8 Billion
FY 2006 - $108.3 Billion
FY 2007 - $155.9 Billion
FY 2008 - $196.8 Billion
FY 2009 - $132.9 Billion
FY 2010 - $83.4 Billion
FY 2011 - $50.9 Billion
2012-2014 - $7.8 Billion
2015–2016 - $38.7 Billion
Cost of the Iraq War to Veterans
Cost to Economy
Causes
Iraq After the War
Article Sources
Content: Cost of Iraq War: Timeline, Economic Impact
U.S. & World Economies World Economy
Cost of Iraq War, Its Timeline, and the Economic Impact
By
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Kimberly Amadeo is an expert on U.S. and world economies and investing, with over 20 years of experience in economic analysis and business strategy. She is the President of the economic website World Money Watch. Read The Balance's editorial policies
Kimberly Amadeo
Reviewed by
Full Bio
Thomas Brock is a well-rounded financial professional, with over 20 years of experience in investments, corporate finance, and accounting. Article Reviewed on November 18, 2020
Read The Balance's Financial Review Board
Thomas J. Brock
Updated November 18, 2020
The Balance / Nusha Ashjaee
The Iraq War was a military conflict that lasted seven years, from 2003 to 2011, and cost $1.06 trillion. President George W. Bush launched the war to eliminate the threat from Iraq's Sunni leader, Saddam Hussein, who he believed was developing weapons of mass destruction. The Iraq War was part of the War on Terror and was the U.S. response to the 9/11 terrorist attacks by al-Qaida. The war added more than $1 trillion to the U.S. debt, which included increases to the Department of Defense (DoD) and the Veterans Administration (VA) base budgets. The DoD base budget grew by $193 billion during the Iraq War, and the VA budget expanded by $47.7 billion. However, some of those increases were attributable to the War in Afghanistan . | https://www.thebalance.com/cost-of-iraq-war-timeline-economic-impact-3306301 |
msmarco_v2.1_doc_54_279086695#1_627769860 | Title: Cost of Iraq War: Timeline, Economic Impact
Headings: Cost of Iraq War, Its Timeline, and the Economic Impact
Cost of Iraq War, Its Timeline, and the Economic Impact
Timeline of Iraq War Costs
FY 2003 - $90.3 Billion
FY 2004 - $90.9 Billion
FY 2005 - $105.8 Billion
FY 2006 - $108.3 Billion
FY 2007 - $155.9 Billion
FY 2008 - $196.8 Billion
FY 2009 - $132.9 Billion
FY 2010 - $83.4 Billion
FY 2011 - $50.9 Billion
2012-2014 - $7.8 Billion
2015–2016 - $38.7 Billion
Cost of the Iraq War to Veterans
Cost to Economy
Causes
Iraq After the War
Article Sources
Content: President George W. Bush launched the war to eliminate the threat from Iraq's Sunni leader, Saddam Hussein, who he believed was developing weapons of mass destruction. The Iraq War was part of the War on Terror and was the U.S. response to the 9/11 terrorist attacks by al-Qaida. The war added more than $1 trillion to the U.S. debt, which included increases to the Department of Defense (DoD) and the Veterans Administration (VA) base budgets. The DoD base budget grew by $193 billion during the Iraq War, and the VA budget expanded by $47.7 billion. However, some of those increases were attributable to the War in Afghanistan . In addition, the debt amount included the $819.7 billion in Overseas Contingency Operations funds specifically dedicated to the Iraq War. That's more than the $738 billion in inflation-adjusted dollars spent on the Vietnam War and second only to the $4.1 trillion in inflation-adjusted dollars spent during World War II . The U.S. military budget includes the base budget, subject to sequestration, and extra funds appropriated to overseas wars. Timeline of Iraq War Costs
The following timeline explains the important events that occurred each year. Costs are taken from the 2014 Congressional Budget Services Report and federal government spending reports. | https://www.thebalance.com/cost-of-iraq-war-timeline-economic-impact-3306301 |
msmarco_v2.1_doc_54_279086695#2_627771949 | Title: Cost of Iraq War: Timeline, Economic Impact
Headings: Cost of Iraq War, Its Timeline, and the Economic Impact
Cost of Iraq War, Its Timeline, and the Economic Impact
Timeline of Iraq War Costs
FY 2003 - $90.3 Billion
FY 2004 - $90.9 Billion
FY 2005 - $105.8 Billion
FY 2006 - $108.3 Billion
FY 2007 - $155.9 Billion
FY 2008 - $196.8 Billion
FY 2009 - $132.9 Billion
FY 2010 - $83.4 Billion
FY 2011 - $50.9 Billion
2012-2014 - $7.8 Billion
2015–2016 - $38.7 Billion
Cost of the Iraq War to Veterans
Cost to Economy
Causes
Iraq After the War
Article Sources
Content: In addition, the debt amount included the $819.7 billion in Overseas Contingency Operations funds specifically dedicated to the Iraq War. That's more than the $738 billion in inflation-adjusted dollars spent on the Vietnam War and second only to the $4.1 trillion in inflation-adjusted dollars spent during World War II . The U.S. military budget includes the base budget, subject to sequestration, and extra funds appropriated to overseas wars. Timeline of Iraq War Costs
The following timeline explains the important events that occurred each year. Costs are taken from the 2014 Congressional Budget Services Report and federal government spending reports. A table follows that summarizes these costs: FY 2003 - $90.3 Billion
On March 19, the United States invaded Iraq with "Shock and Awe." Massive bombing and a ground invasion toppled the Hussein regime the next month. 1
FY 2004 - $90.9 Billion
In April, photos of torture at the Abu Ghraib prison further incited insurgents. In September, the United States laid siege to the Sunni-held city of Falluja. | https://www.thebalance.com/cost-of-iraq-war-timeline-economic-impact-3306301 |
msmarco_v2.1_doc_54_279086695#15_627795404 | Title: Cost of Iraq War: Timeline, Economic Impact
Headings: Cost of Iraq War, Its Timeline, and the Economic Impact
Cost of Iraq War, Its Timeline, and the Economic Impact
Timeline of Iraq War Costs
FY 2003 - $90.3 Billion
FY 2004 - $90.9 Billion
FY 2005 - $105.8 Billion
FY 2006 - $108.3 Billion
FY 2007 - $155.9 Billion
FY 2008 - $196.8 Billion
FY 2009 - $132.9 Billion
FY 2010 - $83.4 Billion
FY 2011 - $50.9 Billion
2012-2014 - $7.8 Billion
2015–2016 - $38.7 Billion
Cost of the Iraq War to Veterans
Cost to Economy
Causes
Iraq After the War
Article Sources
Content: That's according to Linda Bilmes, a senior lecturer in public finance at Harvard’s Kennedy School of Government. “ The cost of caring for war veterans typically peaks 30 to 40 years or more after a conflict,” Bilmes said. Cost to Economy
Most American families did not feel the cost of the Iraq War at the time. First, there was no draft as there was in the Vietnam War or World War II. Second, there was no additional tax. As a result, those who served and their families bore the brunt. They will pay at least $300 billion over the next several decades to pay for their injured family members. That doesn't include lost job income that they quit to care for their relatives. Future generations will also pay for the addition to the debt. Researcher Ryan Edwards estimated that the United States incurred an extra $453 billion in interest on the debt to pay for the wars in the Middle East. | https://www.thebalance.com/cost-of-iraq-war-timeline-economic-impact-3306301 |
msmarco_v2.1_doc_54_279512405#0_628881930 | Title: Why Credit Card Companies Target College Students
Headings: Why Credit Card Companies Target College Students
Why Credit Card Companies Target College Students
Credit Card Companies Love College Students
The Marketing Tactics of Credit Card Companies
Shop Around
Federal Law and Credit Cards for College Students
Article Sources
Content: Why Credit Card Companies Target College Students
Credit Cards Credit Cards 101
Part of
Student Credit Cards 101
Should You Get a Card in College? Why Companies Target Students
Income Requirements
Using Your Student Card
After Graduation
Best Cards for Students
Why Credit Card Companies Target College Students
•••
UpperCut Images / Getty Images
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LaToya Irby is an expert on credit cards, credit scores and monitoring, budgeting, and banking products and services. She holds a degree in business from the University of Alabama. Read The Balance's editorial policies
LaToya Irby
Updated March 20, 2021
A 2019 Sallie Mae survey found that approximately 30% of college students with more than $1,000 in credit card debt owed more than they did the previous month. About 6% of the students surveyed had more than $5,000 in credit card debt. 1 When you’re just graduating college, getting your first real job, and trying to make it on your own, credit card debt is the last thing you need to worry about. You’ll have rent and utilities to pay, possibly a car loan, and student loans if you used them. That’s more than enough for a 20-something person, just out of college, to think about each month. Credit Card Companies Love College Students
College students are a credit card company’s prime prospect. ( If you haven’t seen the documentary Maxed Out, watch it before you step foot on campus.) | https://www.thebalance.com/credit-card-companies-love-college-students-960090 |
msmarco_v2.1_doc_54_279512405#4_628888914 | Title: Why Credit Card Companies Target College Students
Headings: Why Credit Card Companies Target College Students
Why Credit Card Companies Target College Students
Credit Card Companies Love College Students
The Marketing Tactics of Credit Card Companies
Shop Around
Federal Law and Credit Cards for College Students
Article Sources
Content: Credit card companies pay to sell credit cards to students because they're banking on students making up for it in interest charges and fees. The Marketing Tactics of Credit Card Companies
Credit card companies truly understand the college demographic. You can tell by the marketing tactics they use to lure young adults into applying for new credit cards. These tactics mainly involve giving something away for "free." Expect to see credit card company representatives on or near campus giving out free stuff for credit card applications. Law prohibits them from giving away tangible items like t-shirts or frisbees on campus, but the law doesn't forbid intangible items, like a coupon for a free sandwich at a local restaurant or a statement credit on your new credit card. And credit card companies may even give away tangible items, just at a location that's off-campus. 3 Free things are nice, but this isn’t the way to sign up for a credit card. Shouldn't you be suspicious of a company that bends the rules to try to give you a product? It isn't just a free sandwich you're getting when you sign up for a credit card. | https://www.thebalance.com/credit-card-companies-love-college-students-960090 |
msmarco_v2.1_doc_54_281292486#3_633529692 | Title: Different Types of Real Estate Investments
Headings: Different Types of Real Estate Investments
Different Types of Real Estate Investments
A Guide for New Investors
Getting Started in Real Estate Investment
Form a Protective Entity
Categories of Real Estate Investments
Residential
Commercial
Industrial
Retail
Mixed-Use
Ways to Invest in Real Estate
Article Sources
Content: This technique is called "asset separation" because it protects you and your holdings. These special legal structures can be set up for as much as only a few hundred dollars but can cost as much as a few thousand. The paperwork filing requirements aren't overwhelming, and you could use a different LLC for each real estate investment you owned. Categories of Real Estate Investments
If you're intent on developing, acquiring, owning, or flipping real estate you, you might come to a better understanding of what you're facing by dividing types of real estate into several categories. Residential
Residential structures are properties such as houses, apartment buildings, townhouses, and vacation houses where a person or family pays you to live in the property. The length of their stay is based upon the rental or lease agreement. Most residential leases are on a twelve-month basis in the United States. Commercial
Commercial properties consist mostly of office buildings and skyscrapers. If you were to take some of your savings and construct a small building with individual offices, you could lease them out to companies and small business owners, who would pay you rent to use the property. It isn't unusual for commercial real estate to involve multi-year leases. | https://www.thebalance.com/different-types-of-real-estate-investments-you-can-make-357986 |
msmarco_v2.1_doc_54_281902707#0_635058783 | Title: How Utility Bills Might Affect Your Credit History
Headings: Does Paying Utility Bills Affect Your Credit Score?
Does Paying Utility Bills Affect Your Credit Score?
Alternative Credit-Scoring Methods
Utility Accounts in Collections
Service Provider Payment History Checks
Building Your Credit
Monitor Your Credit
Fix Errors in Your Credit Reports
Keep Paying on Time
Get Current on Bills That Affect Your Credit Score
Article Sources
Content: How Utility Bills Might Affect Your Credit History
The Balance Credit Scores & Credit Monitoring
Does Paying Utility Bills Affect Your Credit Score? •••
Peter Cade / Getty Images
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Justin Pritchard, CFP, is a fee-only advisor and an expert on banking. He covers banking basics, checking, saving, loans, and mortgages. He has an MBA from the University of Colorado, and has worked for credit unions and large financial firms, in addition to writing about personal finance for nearly two decades. Read The Balance's editorial policies
Justin Pritchard
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Marguerita is a Certified Financial Planner® who helps people meet their life goals through the proper management of financial resources. She specializes in divorce, death, career changes, and caring for aging relatives. Article Reviewed on August 29, 2020
Read The Balance's Financial Review Board
Marguerita Cheng
Updated August 29, 2020
To build credit, you need to borrow money and make loan payments on time. The longer you do that, the better your credit will be in general. 1 But since you also need to pay utility bills before their due date, you may wonder if paying these bills positively affects your credit scores. It may seem like on-time payments are on-time payments whether you’re repaying a loan or keeping the electricity on. | https://www.thebalance.com/do-utility-payments-affect-credit-315388 |
msmarco_v2.1_doc_54_281902707#1_635060875 | Title: How Utility Bills Might Affect Your Credit History
Headings: Does Paying Utility Bills Affect Your Credit Score?
Does Paying Utility Bills Affect Your Credit Score?
Alternative Credit-Scoring Methods
Utility Accounts in Collections
Service Provider Payment History Checks
Building Your Credit
Monitor Your Credit
Fix Errors in Your Credit Reports
Keep Paying on Time
Get Current on Bills That Affect Your Credit Score
Article Sources
Content: She specializes in divorce, death, career changes, and caring for aging relatives. Article Reviewed on August 29, 2020
Read The Balance's Financial Review Board
Marguerita Cheng
Updated August 29, 2020
To build credit, you need to borrow money and make loan payments on time. The longer you do that, the better your credit will be in general. 1 But since you also need to pay utility bills before their due date, you may wonder if paying these bills positively affects your credit scores. It may seem like on-time payments are on-time payments whether you’re repaying a loan or keeping the electricity on. Unfortunately, paying your utility bills typically doesn't impact your credit scores since utility companies don't report payment history to the credit bureaus. 2 But there are some important exceptions: If lenders use an “alternative” credit-scoring method, utility payments can help your score. If you fall too far behind on utility payments, your credit will most likely suffer if accounts get transferred to collection agencies. Your history of utility payments can affect your ability to get other utility services. | https://www.thebalance.com/do-utility-payments-affect-credit-315388 |
msmarco_v2.1_doc_54_281902707#2_635062682 | Title: How Utility Bills Might Affect Your Credit History
Headings: Does Paying Utility Bills Affect Your Credit Score?
Does Paying Utility Bills Affect Your Credit Score?
Alternative Credit-Scoring Methods
Utility Accounts in Collections
Service Provider Payment History Checks
Building Your Credit
Monitor Your Credit
Fix Errors in Your Credit Reports
Keep Paying on Time
Get Current on Bills That Affect Your Credit Score
Article Sources
Content: Unfortunately, paying your utility bills typically doesn't impact your credit scores since utility companies don't report payment history to the credit bureaus. 2 But there are some important exceptions: If lenders use an “alternative” credit-scoring method, utility payments can help your score. If you fall too far behind on utility payments, your credit will most likely suffer if accounts get transferred to collection agencies. Your history of utility payments can affect your ability to get other utility services. Alternative Credit-Scoring Methods
There are different types of credit scores. But the most important is arguably the FICO credit score (and you even have several FICO credit scores—at least one for each major credit bureau ). This is the score lenders typically use for significant high-dollar loans like home loans and standard auto loans. 3
Traditionally, the score factors in how you’ve repaid loans in the past and your current debt profile. But the credit bureaus generating those scores realize that many consumers don't have enough borrowing history to generate a credit score through conventional data points, much less a high score. | https://www.thebalance.com/do-utility-payments-affect-credit-315388 |
msmarco_v2.1_doc_54_281902707#3_635064530 | Title: How Utility Bills Might Affect Your Credit History
Headings: Does Paying Utility Bills Affect Your Credit Score?
Does Paying Utility Bills Affect Your Credit Score?
Alternative Credit-Scoring Methods
Utility Accounts in Collections
Service Provider Payment History Checks
Building Your Credit
Monitor Your Credit
Fix Errors in Your Credit Reports
Keep Paying on Time
Get Current on Bills That Affect Your Credit Score
Article Sources
Content: Alternative Credit-Scoring Methods
There are different types of credit scores. But the most important is arguably the FICO credit score (and you even have several FICO credit scores—at least one for each major credit bureau ). This is the score lenders typically use for significant high-dollar loans like home loans and standard auto loans. 3
Traditionally, the score factors in how you’ve repaid loans in the past and your current debt profile. But the credit bureaus generating those scores realize that many consumers don't have enough borrowing history to generate a credit score through conventional data points, much less a high score. That's why they've devised innovative credit-scoring methods that factor in alternative data, such as utility and rent payments. 4 Through these methods, consumers can get credit when they make on-time payments to multiple organizations every month (for phone service, internet, cable, and electricity, for example). For example, Experian offers Experian Boost, a service that allows consumers to get credit for on-time utility payments to increase their FICO score. You'll need to sign up for the free service online (by default, utility payments aren't factored in), share your bank account information with the bureau so that it can scan the account for utility payments, and then specify the positive payment data you want to add to your credit file to see your increased credit score. 5
The challenge, however, is finding a lender that uses those alternative credit scores; | https://www.thebalance.com/do-utility-payments-affect-credit-315388 |
msmarco_v2.1_doc_54_281902707#4_635066734 | Title: How Utility Bills Might Affect Your Credit History
Headings: Does Paying Utility Bills Affect Your Credit Score?
Does Paying Utility Bills Affect Your Credit Score?
Alternative Credit-Scoring Methods
Utility Accounts in Collections
Service Provider Payment History Checks
Building Your Credit
Monitor Your Credit
Fix Errors in Your Credit Reports
Keep Paying on Time
Get Current on Bills That Affect Your Credit Score
Article Sources
Content: That's why they've devised innovative credit-scoring methods that factor in alternative data, such as utility and rent payments. 4 Through these methods, consumers can get credit when they make on-time payments to multiple organizations every month (for phone service, internet, cable, and electricity, for example). For example, Experian offers Experian Boost, a service that allows consumers to get credit for on-time utility payments to increase their FICO score. You'll need to sign up for the free service online (by default, utility payments aren't factored in), share your bank account information with the bureau so that it can scan the account for utility payments, and then specify the positive payment data you want to add to your credit file to see your increased credit score. 5
The challenge, however, is finding a lender that uses those alternative credit scores; not all do. Even if a lender uses an alternative score, a bureau-specific service like Experian Boost won't help your score if the lender pulls your credit from another bureau such as TransUnion or Experian. 6 The good news: Those bureaus partner with other organizations to help consumers get credit for utility payments. 7 8
Even for bureaus that offer alternative credit-scoring methods, your utility payments won't automatically get factored into your credit score. | https://www.thebalance.com/do-utility-payments-affect-credit-315388 |
msmarco_v2.1_doc_54_281902707#5_635068774 | Title: How Utility Bills Might Affect Your Credit History
Headings: Does Paying Utility Bills Affect Your Credit Score?
Does Paying Utility Bills Affect Your Credit Score?
Alternative Credit-Scoring Methods
Utility Accounts in Collections
Service Provider Payment History Checks
Building Your Credit
Monitor Your Credit
Fix Errors in Your Credit Reports
Keep Paying on Time
Get Current on Bills That Affect Your Credit Score
Article Sources
Content: not all do. Even if a lender uses an alternative score, a bureau-specific service like Experian Boost won't help your score if the lender pulls your credit from another bureau such as TransUnion or Experian. 6 The good news: Those bureaus partner with other organizations to help consumers get credit for utility payments. 7 8
Even for bureaus that offer alternative credit-scoring methods, your utility payments won't automatically get factored into your credit score. You'll generally need to sign up for the service to get the benefits. Utility Accounts in Collections
The second way that your utility bills can affect your credit scores is if you have bills that are significantly past due. Just like with your loan payments, paying a few days late is not likely to cause major problems (although late fees may apply). When payments are more than 30 days late, those payments will get noticed, and a utility company may turn your debt over to a collection agency if you’ve stopped making payments for several months or more. The agency will then send a record of your account to the major credit bureaus, which will make it part of your credit file and damage your credit. | https://www.thebalance.com/do-utility-payments-affect-credit-315388 |
msmarco_v2.1_doc_54_281902707#6_635070633 | Title: How Utility Bills Might Affect Your Credit History
Headings: Does Paying Utility Bills Affect Your Credit Score?
Does Paying Utility Bills Affect Your Credit Score?
Alternative Credit-Scoring Methods
Utility Accounts in Collections
Service Provider Payment History Checks
Building Your Credit
Monitor Your Credit
Fix Errors in Your Credit Reports
Keep Paying on Time
Get Current on Bills That Affect Your Credit Score
Article Sources
Content: You'll generally need to sign up for the service to get the benefits. Utility Accounts in Collections
The second way that your utility bills can affect your credit scores is if you have bills that are significantly past due. Just like with your loan payments, paying a few days late is not likely to cause major problems (although late fees may apply). When payments are more than 30 days late, those payments will get noticed, and a utility company may turn your debt over to a collection agency if you’ve stopped making payments for several months or more. The agency will then send a record of your account to the major credit bureaus, which will make it part of your credit file and damage your credit. 2
What’s more, unpaid debts can evolve into legal judgments. 9 On top of all that, you may have to pay additional fees as a result of a collection account. That may seem like an unfair deal: Utility providers can indirectly damage your credit if you don’t pay, but you don’t get any benefit (besides the service provided) for paying your bills. While many utility companies never report positive information (that you’ve always paid on time, for example) to credit bureaus, they may indirectly lead to negative information in your credit reports. | https://www.thebalance.com/do-utility-payments-affect-credit-315388 |
msmarco_v2.1_doc_54_281902707#7_635072576 | Title: How Utility Bills Might Affect Your Credit History
Headings: Does Paying Utility Bills Affect Your Credit Score?
Does Paying Utility Bills Affect Your Credit Score?
Alternative Credit-Scoring Methods
Utility Accounts in Collections
Service Provider Payment History Checks
Building Your Credit
Monitor Your Credit
Fix Errors in Your Credit Reports
Keep Paying on Time
Get Current on Bills That Affect Your Credit Score
Article Sources
Content: 2
What’s more, unpaid debts can evolve into legal judgments. 9 On top of all that, you may have to pay additional fees as a result of a collection account. That may seem like an unfair deal: Utility providers can indirectly damage your credit if you don’t pay, but you don’t get any benefit (besides the service provided) for paying your bills. While many utility companies never report positive information (that you’ve always paid on time, for example) to credit bureaus, they may indirectly lead to negative information in your credit reports. An account in collections can have a lasting negative effect on your credit since it can stay in your credit file for seven years. Service Provider Payment History Checks
Although paying your utility bills may not directly affect your credit score, and hence, your ability to get a loan, those payments can help or hurt you in getting new utility services (if you move or otherwise need to change service providers, for example). Similar to alternative credit-scoring methods, some utility companies track your history of utility payments to determine whether you let you sign up for gas, water, or electricity. If you always pay on time, it will be easier to get these services. 10
If you have a history of paying late, it may be difficult to get service (you may need to make a deposit or obtain a "letter of guarantee" from someone willing to make payments on your behalf if you can't make them). | https://www.thebalance.com/do-utility-payments-affect-credit-315388 |
msmarco_v2.1_doc_54_281902707#8_635074717 | Title: How Utility Bills Might Affect Your Credit History
Headings: Does Paying Utility Bills Affect Your Credit Score?
Does Paying Utility Bills Affect Your Credit Score?
Alternative Credit-Scoring Methods
Utility Accounts in Collections
Service Provider Payment History Checks
Building Your Credit
Monitor Your Credit
Fix Errors in Your Credit Reports
Keep Paying on Time
Get Current on Bills That Affect Your Credit Score
Article Sources
Content: An account in collections can have a lasting negative effect on your credit since it can stay in your credit file for seven years. Service Provider Payment History Checks
Although paying your utility bills may not directly affect your credit score, and hence, your ability to get a loan, those payments can help or hurt you in getting new utility services (if you move or otherwise need to change service providers, for example). Similar to alternative credit-scoring methods, some utility companies track your history of utility payments to determine whether you let you sign up for gas, water, or electricity. If you always pay on time, it will be easier to get these services. 10
If you have a history of paying late, it may be difficult to get service (you may need to make a deposit or obtain a "letter of guarantee" from someone willing to make payments on your behalf if you can't make them). You may even be denied service. So, depending on what a utility provider evaluates when determining whether to extend service to customers, those utility payments may indeed be important. Building Your Credit
Since utility bills don't usually affect your credit score, it's all the more important to bolster your credit in other ways. If your credit files are thin or have negative items, there are several steps you can take to improve them and increase your score. Monitor Your Credit
In addition to staying current on utilities, pay attention to your traditional credit data. | https://www.thebalance.com/do-utility-payments-affect-credit-315388 |
msmarco_v2.1_doc_54_281902707#9_635076857 | Title: How Utility Bills Might Affect Your Credit History
Headings: Does Paying Utility Bills Affect Your Credit Score?
Does Paying Utility Bills Affect Your Credit Score?
Alternative Credit-Scoring Methods
Utility Accounts in Collections
Service Provider Payment History Checks
Building Your Credit
Monitor Your Credit
Fix Errors in Your Credit Reports
Keep Paying on Time
Get Current on Bills That Affect Your Credit Score
Article Sources
Content: You may even be denied service. So, depending on what a utility provider evaluates when determining whether to extend service to customers, those utility payments may indeed be important. Building Your Credit
Since utility bills don't usually affect your credit score, it's all the more important to bolster your credit in other ways. If your credit files are thin or have negative items, there are several steps you can take to improve them and increase your score. Monitor Your Credit
In addition to staying current on utilities, pay attention to your traditional credit data. For starters, obtain and review your credit reports regularly. Under federal law, you can get a free copy of your credit reports with each of the three major credit bureaus once a year. 11
Get a report from one of the three major credit bureaus every four months to catch problems before they get out of hand. Fix Errors in Your Credit Reports
If you spot inaccurate or incomplete information in any of your credit reports, contact the credit bureau that generated the report as quickly as possible to fix them. Negative items—even erroneous ones—can drag down your scores. | https://www.thebalance.com/do-utility-payments-affect-credit-315388 |
msmarco_v2.1_doc_54_281902707#11_635080541 | Title: How Utility Bills Might Affect Your Credit History
Headings: Does Paying Utility Bills Affect Your Credit Score?
Does Paying Utility Bills Affect Your Credit Score?
Alternative Credit-Scoring Methods
Utility Accounts in Collections
Service Provider Payment History Checks
Building Your Credit
Monitor Your Credit
Fix Errors in Your Credit Reports
Keep Paying on Time
Get Current on Bills That Affect Your Credit Score
Article Sources
Content: 12
Keep Paying on Time
If you’re trying to build your credit, keep making all of your utility payments on time. As described earlier, you risk damaging your credit if you fall too far behind on payments. Moreover, if you opt in to a service like Experian Boost that lets you use an alternative-credit scoring method, you can get credit for on-time utility payments. Get Current on Bills That Affect Your Credit Score
Your credit primarily depends on your history of making on-time payments on credit cards and loans. 3 If you’re behind on these payments, get caught up to improve your credit. Granted, that may be easier said than done. If you’re struggling with debts, contact your lenders and ask if there are any programs available to help you get back on track. Being proactive may open doors you didn't know existed. Article Sources
Consumer Financial Protection Bureau. " What You Need to Know: | https://www.thebalance.com/do-utility-payments-affect-credit-315388 |
msmarco_v2.1_doc_54_281902707#12_635082125 | Title: How Utility Bills Might Affect Your Credit History
Headings: Does Paying Utility Bills Affect Your Credit Score?
Does Paying Utility Bills Affect Your Credit Score?
Alternative Credit-Scoring Methods
Utility Accounts in Collections
Service Provider Payment History Checks
Building Your Credit
Monitor Your Credit
Fix Errors in Your Credit Reports
Keep Paying on Time
Get Current on Bills That Affect Your Credit Score
Article Sources
Content: Granted, that may be easier said than done. If you’re struggling with debts, contact your lenders and ask if there are any programs available to help you get back on track. Being proactive may open doors you didn't know existed. Article Sources
Consumer Financial Protection Bureau. " What You Need to Know: Understanding Why Offers for “Your” Credit Score Are Not All the Same, " Accessed June 1, 2020. Experian. " Can Utility Bills Appear on Your Credit Report? " Accessed June 1, 2020. Experian. " | https://www.thebalance.com/do-utility-payments-affect-credit-315388 |
msmarco_v2.1_doc_54_283001217#3_637823118 | Title: Auto Industry: Statistics, Trends, Economic Impact
Headings: The Economic Impact of the Automotive Industry
U.S. & World Economies US Economy
The Economic Impact of the Automotive Industry
Electric Vehicles
2008 Auto Industry Bailout
NAFTA's Impact on the Auto Industry
Article Sources
Content: According to Allied Market Research, the global electric vehicle market was worth $162 billion in 2019. 7 It is projected to reach $802 billion by 2027. This is due to their efficiency and environmental advantages over gasoline. Electric vehicles emit 54% fewer CO2 emissions than the average new gas-powered vehicle. There are 1.6 million EVs on the road today. By 2030, there will be 18.7 million. 8 The biggest obstacles to the EV market today are the high cost of manufacturing, charging times, and battery life. People are also concerned that there aren't enough charging stations and the range is too limited. But, those obstacles will likely decline as automakers reach economies of scale . The biggest obstacles to the EV market is the high cost of manufacturing, charging time, and battery life. | https://www.thebalance.com/economic-impact-of-automotive-industry-4771831 |
msmarco_v2.1_doc_54_283590737#15_639354912 | Title: Equity in Education: Definition, Effects, How to Get It
Headings:
What Is Educational Equity and Why Does It Matter?
Why Equity Is Better Than Equality for the Economy
Defining Educational Equity
1. Fairness
2. Inclusion
The Impact of Inequity in Education
Achievement Gap
Education and Income
Education and Wealth
1. Families Headed by College Graduates Earn More
2. The Upward-Mobility Effect
3. The Downward-Mobility Effect
Structural Inequality
How to Achieve Equity in Education
Improving the Educational System's Design
Providing Personalized Education
Targeting Resources to Those Most in Need
Key Takeaways
Article Sources
Content: Providing Personalized Education
The OECD's fifth through seventh steps target the classroom level. Students should receive a personalized education based on their needs. Instead of failing students, give them intense intervention in specific skill areas. This will increase graduation rates. Work with parents more to get their support of their child's schoolwork. If this is impossible, then provide after-school programs for those children. Help immigrants and minority children attend mainstream schools. If needed, give them intense language training. A University of Michigan study found an 11th solution that was both inexpensive and effective. Researchers sent invitations to high-performing, low-income high school students. | https://www.thebalance.com/equity-in-education-4164737 |
msmarco_v2.1_doc_54_284024331#2_640409330 | Title: 5 Factors That Affect Your Credit Score
Headings: 5 Factors That Affect Your Credit Score
5 Factors That Affect Your Credit Score
Your Bill Payment History
Your Level of Debt Matters
Your Credit History Age
Types of Credit on Your Report
Number of Credit Inquiries
Factors That Don't Affect Your Credit
Article Sources
Content: 1
Unexpected businesses, such as insurance companies, have started to use credit scores to make decisions about you. Utility companies check your credit before establishing new service in your name, 2 and some employers check your credit history (but not your actual credit score) to decide whether to give you a job, a raise, or promotion. 3
Protecting and building your credit is more important than ever, and how you handle the following five factors can make all the difference in determining your credit score. Your Bill Payment History
Portra Images / Getty Images
Payment history determines 35% of your credit score. In fact, how timely you pay your bills affects your credit score more than any other factor. Serious payment issues, like charge-offs, collections, bankruptcy, repossession, tax liens, or foreclosure can devastate your credit score, making it almost impossible to get approved for anything that requires good credit. The best thing you can do for your credit score is to make your payments on time each month. 4
Your Level of Debt Matters
David Sacks / Getty Images
Your debt level determines 30% of your credit score. Credit scoring calculations, such as the FICO score, look at a few key factors related to your debt. The amount of overall debt you carry, the ratio of your credit card balances to your credit limit (also called credit utilization ), and the relation of your loan balances to the original loan amount. | https://www.thebalance.com/factors-affecting-credit-score-960527 |
msmarco_v2.1_doc_54_285356478#10_643860446 | Title: Foreclosure Explained: How and Why It Happens
Headings: Foreclosures Explained: How They Work and Why They Happen
Managing a Home Loan Foreclosure and Short Sales
Foreclosures Explained: How They Work and Why They Happen
Understand the process that allows a bank to take your house
Why Foreclosures Occur
How Foreclosures Work
Consequences of a Foreclosure
How to Avoid a Foreclosure
Article Sources
Content: Lenders might say that you can reinstate the loan anytime after the "Notice of Sale" up until the foreclosure date (the sale date) and stay in the home if you make all (or a substantial portion) of your missed payments and cover the legal fees and penalties charged so far. You might also have an opportunity to pay off the loan in its entirety, but this may only be feasible if you manage to refinance the home or find a substantial source of money. 11
Be prepared for an auction and eventual eviction. If you’re unable to prevent foreclosure, the property will be made available to the highest bidder at an auction that either the court or a local sheriff's office runs. If nobody else buys the home (which is common), ownership goes to the lender. At that point, if you’re still in the house (and haven't made arrangements to protect the house ), you face the possibility of eviction, and it’s time to line up new accommodations. Local laws dictate how long you can remain in the house after foreclosure, and you should receive a notice informing you of how long you can stay. Ask your former lender about any “cash for keys” incentives, which can help ease the transition to new housing (assuming that you’re ready to move quickly). 12
Get a second chance through a redemption. Many states offer what is known as redemption, a period after the foreclosure sale occurs when you can still reclaim your home. | https://www.thebalance.com/foreclosure-explained-315702 |
msmarco_v2.1_doc_54_286446210#10_646682947 | Title: Germany: GDP and Economic Facts
Headings: Germany's Economy, Its Successes and Challenges
Germany's Economy, Its Successes and Challenges
Germany's Economic Growth Statistics
Type of Economy
Benefits From Eurozone Membership
German Chancellor Angela Merkel
How Germany Overcame Historic Struggles With Unemployment
Unique German-Russian Relations
Article Sources
Content: Merkel and Putin enjoyed a relatively cordial relationship. That was thanks to Putin’s fluency in German and Merkel’s schooling in then-Communist Eastern Germany, which gives her a good command of Russian. Merkel arrived just one week after Russia cut off gas supplies to Belarus, which carried the main pipeline to Europe. Merkel got assurances that Putin’s pipeline politics would not affect the EU's or Germany's energy supply. Russia does not want to jeopardize German foreign direct investment in Russia or bilateral trade. Putin also agreed to: A new EU-Russia Partnership and Cooperation Agreement. Acceleration of a gas pipeline construction to Germany under the Baltic Sea. Construction of an oil pipeline leading to Russia's Pacific Coast, to avoid going through “transit countries” Ukraine, Belarus, and Poland. Establishment of a gas reservoir in Germany, adding a new distribution center for Russian gas. | https://www.thebalance.com/germany-s-economy-3306346 |
msmarco_v2.1_doc_54_287250757#2_648728869 | Title: Gulf Cooperation Council (GCC) Countries
Headings: Gulf Cooperation Council – GCC Countries
U.S. & World Economies Economic Terms
Gulf Cooperation Council – GCC Countries
Six Rich Countries That Own the World's Oil
List of GCC Countries
WEF Recommendations for GCC
What Happens If GCC Members Drop the Dollar Peg
Article Sources
Content: On a per-capita basis, they are among the wealthiest countries in the world. Together, they supply one-third of U.S. oil and own at least $273 billion of U.S. debt . List of GCC Countries
The GCC has six member states: The Kingdom of Bahrain - Its 1.4 million people enjoy a GDP per capita of $51,800. Its economy grew by 2.5% in 2017. It has 124.5 million barrels of proven oil reserves. Kuwait - Its 2.9 million residents enjoy the 11th highest standard of living in the world. Its GDP per capita is $69,700. The country holds 6% of the world's oil reserves. That's 101.5 million barrels. | https://www.thebalance.com/gulf-cooperation-council-3306357 |
msmarco_v2.1_doc_54_287250757#4_648731201 | Title: Gulf Cooperation Council (GCC) Countries
Headings: Gulf Cooperation Council – GCC Countries
U.S. & World Economies Economic Terms
Gulf Cooperation Council – GCC Countries
Six Rich Countries That Own the World's Oil
List of GCC Countries
WEF Recommendations for GCC
What Happens If GCC Members Drop the Dollar Peg
Article Sources
Content: The Sultanate of Oman - Its oil reserves are only 5.4 million barrels. It is shifting to tourism to improve the lifestyle of its 3.4 million residents. Its GDP per capita is $45,500. Qatar - The second richest country in the world, with a GDP per capita of $124,900 for each of its 2.3 million residents. It has 25.2 billion barrels of proven oil reserves and 13% of the world's natural gas reserves. The Kingdom of Saudi Arabia - The largest of the GCC countries with 28.5 million people. It has 16% of the world's proven oil reserves. That's 266.5 million barrels. Its GDP per capita is $55,300. The United Arab Emirates - Its 6 million people enjoy a per capita GDP of $68,00. | https://www.thebalance.com/gulf-cooperation-council-3306357 |
msmarco_v2.1_doc_54_287250757#5_648732423 | Title: Gulf Cooperation Council (GCC) Countries
Headings: Gulf Cooperation Council – GCC Countries
U.S. & World Economies Economic Terms
Gulf Cooperation Council – GCC Countries
Six Rich Countries That Own the World's Oil
List of GCC Countries
WEF Recommendations for GCC
What Happens If GCC Members Drop the Dollar Peg
Article Sources
Content: The Kingdom of Saudi Arabia - The largest of the GCC countries with 28.5 million people. It has 16% of the world's proven oil reserves. That's 266.5 million barrels. Its GDP per capita is $55,300. The United Arab Emirates - Its 6 million people enjoy a per capita GDP of $68,00. That's thanks to a diversifying economy that includes Dubai and the world's tallest building, the Burj Dubai Khalifa. Dubai is the second-largest of the seven city-states in the UAE. Abu Dhabi is the largest. The UAE has 97.8 million barrels of proven oil reserves. WEF Recommendations for GCC
The World Economic Forum did a study on the future of the GCC members. | https://www.thebalance.com/gulf-cooperation-council-3306357 |
msmarco_v2.1_doc_54_287250757#6_648733610 | Title: Gulf Cooperation Council (GCC) Countries
Headings: Gulf Cooperation Council – GCC Countries
U.S. & World Economies Economic Terms
Gulf Cooperation Council – GCC Countries
Six Rich Countries That Own the World's Oil
List of GCC Countries
WEF Recommendations for GCC
What Happens If GCC Members Drop the Dollar Peg
Article Sources
Content: That's thanks to a diversifying economy that includes Dubai and the world's tallest building, the Burj Dubai Khalifa. Dubai is the second-largest of the seven city-states in the UAE. Abu Dhabi is the largest. The UAE has 97.8 million barrels of proven oil reserves. WEF Recommendations for GCC
The World Economic Forum did a study on the future of the GCC members. It recommended diversification away from oil. It encouraged the GCC countries to do a better job of educating their people. That would support more investment in business research and development. Currently, these countries must import foreign workers to fill this need. Family-based sultanates rule these countries. | https://www.thebalance.com/gulf-cooperation-council-3306357 |
msmarco_v2.1_doc_54_287250757#7_648734835 | Title: Gulf Cooperation Council (GCC) Countries
Headings: Gulf Cooperation Council – GCC Countries
U.S. & World Economies Economic Terms
Gulf Cooperation Council – GCC Countries
Six Rich Countries That Own the World's Oil
List of GCC Countries
WEF Recommendations for GCC
What Happens If GCC Members Drop the Dollar Peg
Article Sources
Content: It recommended diversification away from oil. It encouraged the GCC countries to do a better job of educating their people. That would support more investment in business research and development. Currently, these countries must import foreign workers to fill this need. Family-based sultanates rule these countries. Their leaders realize that further education could be risky. A more worldly population may want to change the way their country is governed. The GCC leaders want to modernize their economies without creating more uprisings like the Arab Spring. For example, Bahrain had some riots in 2013. Military reprisals and negotiations with the dissidents kept the rulers in power. | https://www.thebalance.com/gulf-cooperation-council-3306357 |
msmarco_v2.1_doc_54_289505046#9_654742091 | Title: How Immigration Effects the Economy
Headings: How Immigration Effects the Economy
How Immigration Effects the Economy
The Economic Benefits of Immigration
Types of Immigrants
Immigrants
Refugees
Asylum Seekers
History of U.S. Immigration
How Immigration Affects the Economy
Immigrants and Business
Immigrants and the Economy
Future of Immigration
Frequently Asked Questions
What Does the U.S. Do to Balance the Costs and Benefits of Immigration?
What Are the Benefits of Immigration?
Article Sources
Content: 11 Following is a breakdown of historical immigration to the United States from 1850 to 2018. Immigrants consist of around 15% of the workforce in the U.S. One common misconception is that they tend to take jobs from native workers. Recent studies suggest that while some jobs are taken, the most likely scenario is that jobs are actually created. In a 2020 study, Azoulay et al. posit that immigrants are 80% more likely to become entrepreneurs and create jobs for native workers. 12
There are three reasons: Most immigrants are of working age. They immigrate to find (or create) jobs, thus adding to the labor force. An increasing number of immigrants have higher-level degrees. They increase innovation, since more than 25% of high-quality patents are given to immigrants. | https://www.thebalance.com/how-immigration-impacts-the-economy-4125413 |
msmarco_v2.1_doc_54_289593881#2_654951199 | Title: How Job Loss Can Affect Your Credit Score
Headings: How Job Loss Can Affect Your Credit Score
Credit Scores & Credit Monitoring Credit Reports & Scores
How Job Loss Can Affect Your Credit Score
What Does Affect Your Credit Score
How Your Credit Score May Be Indirectly Affected By Job Loss
You Fall Behind on Your Credit Card or Loan Payments
You Increase Your Credit Card Balances or Take Out New Loans to Make Ends Meet
You Open Up Several New Accounts to Get Money to Pay Your Bills
Maintain Your Credit Score for Your Job Search
Article Sources
Content: These are some credit-impacting events that could happen as a result of you losing your job: You Fall Behind on Your Credit Card or Loan Payments
After losing your job, it may be impossible to stay current on all your payments. This is understandable after a dramatic loss of income. However, payments over 30 days late still get reported to the credit bureaus and will impact your credit score. Payment history makes up 35% of your credit score and is the biggest factor influencing your credit. 2 The further behind you get on your bills, the more your credit score will be impacted. Tip
Contact your creditors and lenders to discuss hardship options. You may be able to defer payments for a few months until you're able to begin making regular payments again. You Increase Your Credit Card Balances or Take Out New Loans to Make Ends Meet
Without enough money in savings or insufficient unemployment benefits, you may turn to credit cards or loans to make ends meet. But here's the trouble with that: | https://www.thebalance.com/how-job-loss-can-affect-your-credit-score-960980 |
msmarco_v2.1_doc_54_290809925#3_658208077 | Title: The Inverse Relationship Between the Dollar and Commodities
Headings: How the Dollar Impacts Commodity Prices
Assets & Markets Commodities
How the Dollar Impacts Commodity Prices
The General Rules Might Be Changing
Key Takeaways
Why the Movement?
Commodities Are Global Assets
The Dollar Is the Benchmark Because It's Stable
The Effect on Commodities
Is Change in the Air?
Monitoring the Dollar
Content: Why the Movement? The primary reason the value of the dollar influences commodities prices is that the dollar is the benchmark pricing mechanism for most commodities. U.S. currency is the reserve currency of the world. The dollar tends to be the most stable foreign exchange instrument, so most other nations hold dollars as reserve assets. When it comes to international trade for raw materials, the dollar is the exchange mechanism in many if not most cases. When the value of the dollar drops, it costs more dollars to buy commodities. At the same time, it costs a lesser amount of other currencies when the dollar is moving lower. Commodities Are Global Assets
Another reason for the influence of the dollar is that commodities are global assets. They trade all over the world. Foreign buyers purchase U.S. commodities such as corn, soybeans, wheat, and oil with dollars. | https://www.thebalance.com/how-the-dollar-impacts-commodity-prices-809294 |
msmarco_v2.1_doc_54_290809925#4_658209569 | Title: The Inverse Relationship Between the Dollar and Commodities
Headings: How the Dollar Impacts Commodity Prices
Assets & Markets Commodities
How the Dollar Impacts Commodity Prices
The General Rules Might Be Changing
Key Takeaways
Why the Movement?
Commodities Are Global Assets
The Dollar Is the Benchmark Because It's Stable
The Effect on Commodities
Is Change in the Air?
Monitoring the Dollar
Content: When the value of the dollar drops, it costs more dollars to buy commodities. At the same time, it costs a lesser amount of other currencies when the dollar is moving lower. Commodities Are Global Assets
Another reason for the influence of the dollar is that commodities are global assets. They trade all over the world. Foreign buyers purchase U.S. commodities such as corn, soybeans, wheat, and oil with dollars. When the value of the dollar drops, they have more buying power because it requires less of their currencies to purchase each dollar. Classic economics teaches that demand typically increases as prices drop. The Dollar Is the Benchmark Because It's Stable
Commodities don't trade in a vacuum. Commodity production is often a localized affair. The majority of corn and soybean production in the world comes from the fertile lands of the U.S. The mineral-rich soil of Chile yields the largest output of copper on earth, and half the world’s oil reserves are located in the Middle East. | https://www.thebalance.com/how-the-dollar-impacts-commodity-prices-809294 |
msmarco_v2.1_doc_54_290809925#5_658211190 | Title: The Inverse Relationship Between the Dollar and Commodities
Headings: How the Dollar Impacts Commodity Prices
Assets & Markets Commodities
How the Dollar Impacts Commodity Prices
The General Rules Might Be Changing
Key Takeaways
Why the Movement?
Commodities Are Global Assets
The Dollar Is the Benchmark Because It's Stable
The Effect on Commodities
Is Change in the Air?
Monitoring the Dollar
Content: When the value of the dollar drops, they have more buying power because it requires less of their currencies to purchase each dollar. Classic economics teaches that demand typically increases as prices drop. The Dollar Is the Benchmark Because It's Stable
Commodities don't trade in a vacuum. Commodity production is often a localized affair. The majority of corn and soybean production in the world comes from the fertile lands of the U.S. The mineral-rich soil of Chile yields the largest output of copper on earth, and half the world’s oil reserves are located in the Middle East. The largest producers of cocoa beans are in Africa in the Ivory Coast and Ghana regions. As you can see, commodity production depends on climate and geology in specific locations. But the people and companies that want these important raw materials are located all over the globe. The vast majority of these materials use the dollar as a pricing mechanism for global trade because of the United States' strong, stable economy. When the dollar strengthens, it means that commodities become more expensive in other, nondollar currencies. | https://www.thebalance.com/how-the-dollar-impacts-commodity-prices-809294 |
msmarco_v2.1_doc_54_290809925#6_658212931 | Title: The Inverse Relationship Between the Dollar and Commodities
Headings: How the Dollar Impacts Commodity Prices
Assets & Markets Commodities
How the Dollar Impacts Commodity Prices
The General Rules Might Be Changing
Key Takeaways
Why the Movement?
Commodities Are Global Assets
The Dollar Is the Benchmark Because It's Stable
The Effect on Commodities
Is Change in the Air?
Monitoring the Dollar
Content: The largest producers of cocoa beans are in Africa in the Ivory Coast and Ghana regions. As you can see, commodity production depends on climate and geology in specific locations. But the people and companies that want these important raw materials are located all over the globe. The vast majority of these materials use the dollar as a pricing mechanism for global trade because of the United States' strong, stable economy. When the dollar strengthens, it means that commodities become more expensive in other, nondollar currencies. This tends to have a negative influence on demand. And as you would expect, when the dollar weakens, commodity prices in other currencies drop lower, which increases demand. The Effect on Commodities
Each commodity has idiosyncratic characteristics, but the value of the dollar has historically had a direct influence on the prices of all commodities. When the dollar began to strengthen in May 2014, the U.S. dollar index traded to 78.93 on the active month futures contract. In early March 2016, that dollar index was trading around the 97 level; | https://www.thebalance.com/how-the-dollar-impacts-commodity-prices-809294 |
msmarco_v2.1_doc_54_293385640#0_665041736 | Title: How to Make a Buttermilk Substitute
Headings: How to Make a Buttermilk Substitute
How to Make a Buttermilk Substitute
What You'll Need
Preparation
Watch Now: 7 Baking Substitutions You Need to Know
Other Substitutes
Why These Substitutes Work
Never Run Out of Buttermilk Again
Content: How to Make a Buttermilk Substitute
Ingredient Glossary
How to Make a Buttermilk Substitute
Written by
Erin Huffstetler
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Erin Huffstetler is a writer with experience writing about easy ways to save money at home. Learn about The Spruce Eats' Editorial Process
Erin Huffstetler
Updated 04/01/19
Illustration: Emily Roberts. © The Spruce, 2018
There you are, mid-recipe, and you realize that the ingredients list doesn't say milk. It says buttermilk . Or maybe you knew going in that it said buttermilk, but you balked at spending the money to buy a whole quart when you only needed a small amount. Fear not. Any of these substitutes can be used in place of buttermilk, and they'll save you a little money, too. What You'll Need
All you need to create your own batch of buttermilk is regular milk—just a little less than a cup—and a tablespoon of white vinegar or lemon juice. Preparation
Place the white vinegar or lemon juice in a liquid measuring cup and add enough milk to bring the liquid up to the one-cup line. | https://www.thebalance.com/how-to-make-a-buttermilk-substitute-4145341 |
msmarco_v2.1_doc_54_293385640#1_665043294 | Title: How to Make a Buttermilk Substitute
Headings: How to Make a Buttermilk Substitute
How to Make a Buttermilk Substitute
What You'll Need
Preparation
Watch Now: 7 Baking Substitutions You Need to Know
Other Substitutes
Why These Substitutes Work
Never Run Out of Buttermilk Again
Content: Or maybe you knew going in that it said buttermilk, but you balked at spending the money to buy a whole quart when you only needed a small amount. Fear not. Any of these substitutes can be used in place of buttermilk, and they'll save you a little money, too. What You'll Need
All you need to create your own batch of buttermilk is regular milk—just a little less than a cup—and a tablespoon of white vinegar or lemon juice. Preparation
Place the white vinegar or lemon juice in a liquid measuring cup and add enough milk to bring the liquid up to the one-cup line. Now let the mixture stand for 5 to 10 minutes, long enough for the milk to thicken and curdle. Voila—buttermilk! Use as much of the batch as your recipe calls for. If you're cooking for someone who has a dairy sensitivity, this works with non-dairy milk, too. If you only have soy milk or almond milk in the fridge, that's fine, but you'll want to stick to an unflavored variety. | https://www.thebalance.com/how-to-make-a-buttermilk-substitute-4145341 |
msmarco_v2.1_doc_54_293425851#0_665143528 | Title: How to Make Real Buttermilk at Home
Headings: How to Make Real Buttermilk at Home
How to Make Real Buttermilk at Home
Ingredients
Preparation
Don't Waste the Butter
Two Kinds of Buttermilk
Powdered Buttermilk
Content: How to Make Real Buttermilk at Home
Basic Ingredients
How to Make Real Buttermilk at Home
Written by
Erin Huffstetler
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Erin Huffstetler is a writer with experience writing about easy ways to save money at home. Learn about The Spruce Eats' Editorial Process
Erin Huffstetler
Updated 08/06/19
Alexander Feig / Getty Images
In This Article
Expand
Ingredients
Preparation
Don't Waste the Butter
Two Kinds of Buttermilk
Powdered Buttermilk
Back to Top
There's no need to buy buttermilk when it's so easy to make at home from heavy cream. No other ingredients are required, and you don't even need a churn. It's a quick and simple process that will result in the freshest buttermilk you've tasted. Try it once and you'll be hooked while saving a little money on something that often goes to waste. Ingredients
Even though the heavy cream is the only ingredient you need, it's best to shop smart. Your buttermilk will turn out best if you avoid a cream that is ultra-pasteurized. The regular pasteurized cream has a fresher taste because it isn't subjected to the very high temperatures used in the "ultra-pasteurization" process. It can be more difficult to find but is worth it. Preparation
To make a small batch of homemade buttermilk, fill a jar halfway with heavy cream. | https://www.thebalance.com/how-to-make-buttermilk-1388925 |
msmarco_v2.1_doc_54_293425851#1_665145253 | Title: How to Make Real Buttermilk at Home
Headings: How to Make Real Buttermilk at Home
How to Make Real Buttermilk at Home
Ingredients
Preparation
Don't Waste the Butter
Two Kinds of Buttermilk
Powdered Buttermilk
Content: Ingredients
Even though the heavy cream is the only ingredient you need, it's best to shop smart. Your buttermilk will turn out best if you avoid a cream that is ultra-pasteurized. The regular pasteurized cream has a fresher taste because it isn't subjected to the very high temperatures used in the "ultra-pasteurization" process. It can be more difficult to find but is worth it. Preparation
To make a small batch of homemade buttermilk, fill a jar halfway with heavy cream. Then, screw the lid on firmly (a canning jar works well for this purpose). Start shaking the jar up and down. After several minutes, the cream will thicken and turn into whipped cream. Keep shaking until the whipped cream is replaced with a yellow glob (that's butter) and a separate liquid (that's the buttermilk). Pour the buttermilk out of the jar and use it in any recipe that calls for it—or drink it straight, as they did in the olden days. | https://www.thebalance.com/how-to-make-buttermilk-1388925 |
msmarco_v2.1_doc_54_293425851#2_665146594 | Title: How to Make Real Buttermilk at Home
Headings: How to Make Real Buttermilk at Home
How to Make Real Buttermilk at Home
Ingredients
Preparation
Don't Waste the Butter
Two Kinds of Buttermilk
Powdered Buttermilk
Content: Then, screw the lid on firmly (a canning jar works well for this purpose). Start shaking the jar up and down. After several minutes, the cream will thicken and turn into whipped cream. Keep shaking until the whipped cream is replaced with a yellow glob (that's butter) and a separate liquid (that's the buttermilk). Pour the buttermilk out of the jar and use it in any recipe that calls for it—or drink it straight, as they did in the olden days. That's a lot of shaking, though it does the trick when you need just a little buttermilk. If you need a larger batch, pour the heavy cream into a mixer and beat it at high speed. It will also turn into whipping cream first but if you keep whipping, it will separate out into butter and buttermilk. Don't Waste the Butter
The really neat part about this trick is that you're actually making two ingredients at the same time. There's no need to let that butter go to waste, you just need to process it a bit to make it useable. | https://www.thebalance.com/how-to-make-buttermilk-1388925 |
msmarco_v2.1_doc_54_293425851#3_665147982 | Title: How to Make Real Buttermilk at Home
Headings: How to Make Real Buttermilk at Home
How to Make Real Buttermilk at Home
Ingredients
Preparation
Don't Waste the Butter
Two Kinds of Buttermilk
Powdered Buttermilk
Content: That's a lot of shaking, though it does the trick when you need just a little buttermilk. If you need a larger batch, pour the heavy cream into a mixer and beat it at high speed. It will also turn into whipping cream first but if you keep whipping, it will separate out into butter and buttermilk. Don't Waste the Butter
The really neat part about this trick is that you're actually making two ingredients at the same time. There's no need to let that butter go to waste, you just need to process it a bit to make it useable. Knead the separated butter under cold water for a couple minutes to remove any remaining buttermilk. It will spoil very quickly if you skip this step. Then salt your butter if you like and store it in the refrigerator until you're ready to use it. Homemade butter has a relatively short shelf life, so enjoy it within a few days. Two Kinds of Buttermilk
Store-bought buttermilk isn't real buttermilk at all. | https://www.thebalance.com/how-to-make-buttermilk-1388925 |
msmarco_v2.1_doc_54_293425851#4_665149327 | Title: How to Make Real Buttermilk at Home
Headings: How to Make Real Buttermilk at Home
How to Make Real Buttermilk at Home
Ingredients
Preparation
Don't Waste the Butter
Two Kinds of Buttermilk
Powdered Buttermilk
Content: Knead the separated butter under cold water for a couple minutes to remove any remaining buttermilk. It will spoil very quickly if you skip this step. Then salt your butter if you like and store it in the refrigerator until you're ready to use it. Homemade butter has a relatively short shelf life, so enjoy it within a few days. Two Kinds of Buttermilk
Store-bought buttermilk isn't real buttermilk at all. Instead of being made from heavy cream, it's made from low-fat milk that is soured by adding lactic acid bacteria, much like yogurt. Technically, this type of buttermilk is referred to as cultured buttermilk. The processes used makes for some pretty big differences between the two. Cultured buttermilk tastes sour and has a thick consistency. Real buttermilk is sweet and is much thinner. | https://www.thebalance.com/how-to-make-buttermilk-1388925 |
msmarco_v2.1_doc_54_296383635#5_672898401 | Title: Tips for Insurance Being Canceled Due to Lack of Repair
Headings:
Insurance Homeowners Insurance
Tips If Your Insurance is Being Canceled After You Did Not Do Repairs
What to Expect and How to Negotiate With the Insurance Company
What Makes an Insurance Company Require Repairs on a Home?
Do I Have To Do What My Insurance Company Asks?
The Insurance Company Made a Recommendation, What Does That Mean?
Tips To Help You With Insurance Company Demands
Problems With Having Your Insurance Cancelled
Tips to Negotiate With Your Insurer When You Disagree
Insurance Company Asking to Update Electricity or Wiring
Why Do I Need to Justify Things to the Insurance Company?
Article Sources
Content: Tips To Help You With Insurance Company Demands
Failure to comply or provide the information to the insurance company within the timeline they have provided may put you in a position where: You may not be renewed (canceled on the renewal/expiration date of the policy). The insurance company may cancel your policy mid-term (meaning, before the expiry of your policy) if the situation is considered critical enough. Mid-term insurance cancellations are serious. Before you get canceled you will receive a clear notification. Do not put off responding to these types of notifications. Problems With Having Your Insurance Cancelled
Insurance is often a condition of having a mortgage. Many homeowners find themselves in very difficult situations when an insurance company cancels you. For example, if your insurance is cancelled due to non-payment, it can impact your future insurability by affecting your insurance score, which is partly based on payment history. This can cost you and make you pay higher rates of insurance. | https://www.thebalance.com/insurance-canceled-lacking-repairs-2645716 |
msmarco_v2.1_doc_54_296383635#6_672900329 | Title: Tips for Insurance Being Canceled Due to Lack of Repair
Headings:
Insurance Homeowners Insurance
Tips If Your Insurance is Being Canceled After You Did Not Do Repairs
What to Expect and How to Negotiate With the Insurance Company
What Makes an Insurance Company Require Repairs on a Home?
Do I Have To Do What My Insurance Company Asks?
The Insurance Company Made a Recommendation, What Does That Mean?
Tips To Help You With Insurance Company Demands
Problems With Having Your Insurance Cancelled
Tips to Negotiate With Your Insurer When You Disagree
Insurance Company Asking to Update Electricity or Wiring
Why Do I Need to Justify Things to the Insurance Company?
Article Sources
Content: Do not put off responding to these types of notifications. Problems With Having Your Insurance Cancelled
Insurance is often a condition of having a mortgage. Many homeowners find themselves in very difficult situations when an insurance company cancels you. For example, if your insurance is cancelled due to non-payment, it can impact your future insurability by affecting your insurance score, which is partly based on payment history. This can cost you and make you pay higher rates of insurance. Depending on the reason why you haven't done repairs or updates to your home, you have several options on how you can fight with your insurance company so that they do not cancel you due to incomplete repairs or renovations. Tips to Negotiate With Your Insurer When You Disagree
If you disagree with the repairs your insurance company is asking you to do, it may be very difficult to convince them they are wrong. One way to present a strong argument is to get a second opinion from a licensed professional. If your insurance company asks you to replace your roof because it is too old, for example, get a professional roofer to do a roof inspection. Are they asking you to install a handrail where you don't think it is necessary? | https://www.thebalance.com/insurance-canceled-lacking-repairs-2645716 |
msmarco_v2.1_doc_54_296407625#0_672955989 | Title: 5 Reasons an Insurance Company Could Cancel Your Policy
Headings:
5 Reasons an Insurance Company Could Cancel Your Policy
And What to Do If That Happens
Why Would Your Home Policy Get Cancelled?
Home Insurance Cancellation Rights: How to Avoid Getting Canceled
What Can I Do if I Have Too Many Insurance Claims?
How to Present Your Case to Keep Your Insurance
Does Being Loyal Matter When it Comes to Insurance?
Showing an Insurance Company Your Value
Getting Insurance When You Have Two or More Claims
How Long Will It Take for the Insurance Company to Review My Case?
Article Sources
Content: 5 Reasons an Insurance Company Could Cancel Your Policy
Insurance Other Insurance Topics
Part of
Homeowners Insurance Explained
Overview
The Basics
Guide to Homeowners Insurance
Average Cost of Home Insurance
Determining the Value of Your Policy
Your Home Inventory List
Replacement Cost vs. Actual Cash Value
Home Insurance vs. Home Warranty
Can a Company Cancel Your Policy? Coverage and Claims
What's Covered? Personal Property or Contents Insurance
Homeowners Insurance Perils
Types of Claims
How Payments for Claims Work
Rebuilding Your Home
Special Limits
Waivers of Deductibles
Buying Home Insurance
How to Save Money
Bundling Home & Car Insurance
Negotiating Your Policy
Best Homeowners Insurance Companies
Best Rental Property Insurance Providers
5 Reasons an Insurance Company Could Cancel Your Policy
And What to Do If That Happens
By
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Mila Araujo is a certified personal lines insurance broker and the director of personal insurance for Ogilvy Insurance. She has over 20 years of experience in the insurance industry, and as insurance expert, has written about homeowners, auto, health, and life insurance for The Balance. Mila received the Bernard J. Finestone Award in General Insurance from McGill University in 2001. Read The Balance's editorial policies
Mila Araujo
Reviewed by
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Tom Catalano is the owner and Principal Advisor at Hilton Head Wealth Advisors, LLC. He holds the coveted CFP designation from The Certified Financial Planner Board of Standards in Washington, DC, and is a Registered Investment Adviser with the state of South Carolina. Article Reviewed on July 05, 2020
Read The Balance's Financial Review Board
Thomas J. Catalano
Updated May 22, 2021
If your insurance company says that they are going to cancel your policy, you still have options to stop it from happening. The best thing you can do is act quickly. Once an insurance company lets you know that they are going to cancel your policy, you have a short amount of time to get things back on track. | https://www.thebalance.com/insurance-company-cancelling-policy-2645554 |
msmarco_v2.1_doc_54_296407625#1_672958941 | Title: 5 Reasons an Insurance Company Could Cancel Your Policy
Headings:
5 Reasons an Insurance Company Could Cancel Your Policy
And What to Do If That Happens
Why Would Your Home Policy Get Cancelled?
Home Insurance Cancellation Rights: How to Avoid Getting Canceled
What Can I Do if I Have Too Many Insurance Claims?
How to Present Your Case to Keep Your Insurance
Does Being Loyal Matter When it Comes to Insurance?
Showing an Insurance Company Your Value
Getting Insurance When You Have Two or More Claims
How Long Will It Take for the Insurance Company to Review My Case?
Article Sources
Content: Read The Balance's editorial policies
Mila Araujo
Reviewed by
Full Bio
Follow
LinkedIn with Background
Linkedin
Tom Catalano is the owner and Principal Advisor at Hilton Head Wealth Advisors, LLC. He holds the coveted CFP designation from The Certified Financial Planner Board of Standards in Washington, DC, and is a Registered Investment Adviser with the state of South Carolina. Article Reviewed on July 05, 2020
Read The Balance's Financial Review Board
Thomas J. Catalano
Updated May 22, 2021
If your insurance company says that they are going to cancel your policy, you still have options to stop it from happening. The best thing you can do is act quickly. Once an insurance company lets you know that they are going to cancel your policy, you have a short amount of time to get things back on track. Here's what you need to know to protect yourself from having your policy canceled. Why Would Your Home Policy Get Cancelled? Insurance companies are businesses, and very often people think that insurance will always be there. If you don't meet the conditions set forth in your policy, they could cancel your contract. Insurers deal in risks, and being able to assess risk and avoid losses is part of how they meet their bottom line. | https://www.thebalance.com/insurance-company-cancelling-policy-2645554 |
msmarco_v2.1_doc_54_296407625#2_672960998 | Title: 5 Reasons an Insurance Company Could Cancel Your Policy
Headings:
5 Reasons an Insurance Company Could Cancel Your Policy
And What to Do If That Happens
Why Would Your Home Policy Get Cancelled?
Home Insurance Cancellation Rights: How to Avoid Getting Canceled
What Can I Do if I Have Too Many Insurance Claims?
How to Present Your Case to Keep Your Insurance
Does Being Loyal Matter When it Comes to Insurance?
Showing an Insurance Company Your Value
Getting Insurance When You Have Two or More Claims
How Long Will It Take for the Insurance Company to Review My Case?
Article Sources
Content: Here's what you need to know to protect yourself from having your policy canceled. Why Would Your Home Policy Get Cancelled? Insurance companies are businesses, and very often people think that insurance will always be there. If you don't meet the conditions set forth in your policy, they could cancel your contract. Insurers deal in risks, and being able to assess risk and avoid losses is part of how they meet their bottom line. People have issues and circumstances that often fit outside the norm. Your insurance company may cancel you for non-payment, or it may find your situation too risky and decide to cancel your policy. 1
There are five main reasons an insurance company might cancel or not renew your policy: 2
Too many claims. 3
Home in disrepair or requiring maintenance or renovation. | https://www.thebalance.com/insurance-company-cancelling-policy-2645554 |
msmarco_v2.1_doc_54_296407625#3_672962607 | Title: 5 Reasons an Insurance Company Could Cancel Your Policy
Headings:
5 Reasons an Insurance Company Could Cancel Your Policy
And What to Do If That Happens
Why Would Your Home Policy Get Cancelled?
Home Insurance Cancellation Rights: How to Avoid Getting Canceled
What Can I Do if I Have Too Many Insurance Claims?
How to Present Your Case to Keep Your Insurance
Does Being Loyal Matter When it Comes to Insurance?
Showing an Insurance Company Your Value
Getting Insurance When You Have Two or More Claims
How Long Will It Take for the Insurance Company to Review My Case?
Article Sources
Content: People have issues and circumstances that often fit outside the norm. Your insurance company may cancel you for non-payment, or it may find your situation too risky and decide to cancel your policy. 1
There are five main reasons an insurance company might cancel or not renew your policy: 2
Too many claims. 3
Home in disrepair or requiring maintenance or renovation. Non-Payment of policy or too many missed payments. Criminal Record, false declarations, or “ moral hazard .” Change in a situation (also known as a material change in risk). Home Insurance Cancellation Rights: How to Avoid Getting Canceled
If you find yourself under the threat of having your policy canceled, you may be feeling stressed and worried. | https://www.thebalance.com/insurance-company-cancelling-policy-2645554 |
msmarco_v2.1_doc_54_296407625#4_672964145 | Title: 5 Reasons an Insurance Company Could Cancel Your Policy
Headings:
5 Reasons an Insurance Company Could Cancel Your Policy
And What to Do If That Happens
Why Would Your Home Policy Get Cancelled?
Home Insurance Cancellation Rights: How to Avoid Getting Canceled
What Can I Do if I Have Too Many Insurance Claims?
How to Present Your Case to Keep Your Insurance
Does Being Loyal Matter When it Comes to Insurance?
Showing an Insurance Company Your Value
Getting Insurance When You Have Two or More Claims
How Long Will It Take for the Insurance Company to Review My Case?
Article Sources
Content: Non-Payment of policy or too many missed payments. Criminal Record, false declarations, or “ moral hazard .” Change in a situation (also known as a material change in risk). Home Insurance Cancellation Rights: How to Avoid Getting Canceled
If you find yourself under the threat of having your policy canceled, you may be feeling stressed and worried. What will you do if you can't get insurance? If your policy is canceled, you may have trouble finding insurance later or have to pay more in the long run. There are cases where your insurance may start off with plans to cancel you, but if you can explain your case, you might be able to change their mind. 4
Although there is no sure way to make an insurance company keep you as a client, you can show them that you are working with them and try and change their mind about canceling you. What Can I Do if I Have Too Many Insurance Claims? | https://www.thebalance.com/insurance-company-cancelling-policy-2645554 |
msmarco_v2.1_doc_54_296407625#5_672965853 | Title: 5 Reasons an Insurance Company Could Cancel Your Policy
Headings:
5 Reasons an Insurance Company Could Cancel Your Policy
And What to Do If That Happens
Why Would Your Home Policy Get Cancelled?
Home Insurance Cancellation Rights: How to Avoid Getting Canceled
What Can I Do if I Have Too Many Insurance Claims?
How to Present Your Case to Keep Your Insurance
Does Being Loyal Matter When it Comes to Insurance?
Showing an Insurance Company Your Value
Getting Insurance When You Have Two or More Claims
How Long Will It Take for the Insurance Company to Review My Case?
Article Sources
Content: What will you do if you can't get insurance? If your policy is canceled, you may have trouble finding insurance later or have to pay more in the long run. There are cases where your insurance may start off with plans to cancel you, but if you can explain your case, you might be able to change their mind. 4
Although there is no sure way to make an insurance company keep you as a client, you can show them that you are working with them and try and change their mind about canceling you. What Can I Do if I Have Too Many Insurance Claims? You must put forth a strong reason why you should continue to be insured if you have a high amount of claims. One of the things you should do is review the claims you have made. Ask yourself these questions: How much was each claim worth? What was the nature of each claim? | https://www.thebalance.com/insurance-company-cancelling-policy-2645554 |
msmarco_v2.1_doc_54_296407625#6_672967473 | Title: 5 Reasons an Insurance Company Could Cancel Your Policy
Headings:
5 Reasons an Insurance Company Could Cancel Your Policy
And What to Do If That Happens
Why Would Your Home Policy Get Cancelled?
Home Insurance Cancellation Rights: How to Avoid Getting Canceled
What Can I Do if I Have Too Many Insurance Claims?
How to Present Your Case to Keep Your Insurance
Does Being Loyal Matter When it Comes to Insurance?
Showing an Insurance Company Your Value
Getting Insurance When You Have Two or More Claims
How Long Will It Take for the Insurance Company to Review My Case?
Article Sources
Content: You must put forth a strong reason why you should continue to be insured if you have a high amount of claims. One of the things you should do is review the claims you have made. Ask yourself these questions: How much was each claim worth? What was the nature of each claim? Were they related? For instance, were they all water damages or fires? Did the claims all occur at the same address? Has something changed that makes you “less risky”? Did you have a problem you weren't aware of that has since been fixed? | https://www.thebalance.com/insurance-company-cancelling-policy-2645554 |
msmarco_v2.1_doc_54_296407625#7_672968801 | Title: 5 Reasons an Insurance Company Could Cancel Your Policy
Headings:
5 Reasons an Insurance Company Could Cancel Your Policy
And What to Do If That Happens
Why Would Your Home Policy Get Cancelled?
Home Insurance Cancellation Rights: How to Avoid Getting Canceled
What Can I Do if I Have Too Many Insurance Claims?
How to Present Your Case to Keep Your Insurance
Does Being Loyal Matter When it Comes to Insurance?
Showing an Insurance Company Your Value
Getting Insurance When You Have Two or More Claims
How Long Will It Take for the Insurance Company to Review My Case?
Article Sources
Content: Were they related? For instance, were they all water damages or fires? Did the claims all occur at the same address? Has something changed that makes you “less risky”? Did you have a problem you weren't aware of that has since been fixed? Have you had a change in lifestyle, job, or situation? Did you upgrade an alarm system? How to Present Your Case to Keep Your Insurance
The best way to plead your case is to offer concrete proof that things have changed. Perhaps you have moved to a new area, and it was only in the old area that the claims happened. Think about every aspect of the claims you have had, and see if there is something you can point out that shows the insurance company your “risk” is now low. | https://www.thebalance.com/insurance-company-cancelling-policy-2645554 |
msmarco_v2.1_doc_54_296407625#8_672970341 | Title: 5 Reasons an Insurance Company Could Cancel Your Policy
Headings:
5 Reasons an Insurance Company Could Cancel Your Policy
And What to Do If That Happens
Why Would Your Home Policy Get Cancelled?
Home Insurance Cancellation Rights: How to Avoid Getting Canceled
What Can I Do if I Have Too Many Insurance Claims?
How to Present Your Case to Keep Your Insurance
Does Being Loyal Matter When it Comes to Insurance?
Showing an Insurance Company Your Value
Getting Insurance When You Have Two or More Claims
How Long Will It Take for the Insurance Company to Review My Case?
Article Sources
Content: Have you had a change in lifestyle, job, or situation? Did you upgrade an alarm system? How to Present Your Case to Keep Your Insurance
The best way to plead your case is to offer concrete proof that things have changed. Perhaps you have moved to a new area, and it was only in the old area that the claims happened. Think about every aspect of the claims you have had, and see if there is something you can point out that shows the insurance company your “risk” is now low. Point out any factors that may have changed, including change of people living in the household, reasons that you may be more stable (change of jobs, change of location, etc.). Make sure the details they have about you on file are correct. There could be an error, so go over each claim with care to make sure they are right. You can also try to offer ideas that reduce or get rid of the risk of future claims. If nothing has changed, think about ways to improve the situation. | https://www.thebalance.com/insurance-company-cancelling-policy-2645554 |
msmarco_v2.1_doc_54_296407625#9_672972110 | Title: 5 Reasons an Insurance Company Could Cancel Your Policy
Headings:
5 Reasons an Insurance Company Could Cancel Your Policy
And What to Do If That Happens
Why Would Your Home Policy Get Cancelled?
Home Insurance Cancellation Rights: How to Avoid Getting Canceled
What Can I Do if I Have Too Many Insurance Claims?
How to Present Your Case to Keep Your Insurance
Does Being Loyal Matter When it Comes to Insurance?
Showing an Insurance Company Your Value
Getting Insurance When You Have Two or More Claims
How Long Will It Take for the Insurance Company to Review My Case?
Article Sources
Content: Point out any factors that may have changed, including change of people living in the household, reasons that you may be more stable (change of jobs, change of location, etc.). Make sure the details they have about you on file are correct. There could be an error, so go over each claim with care to make sure they are right. You can also try to offer ideas that reduce or get rid of the risk of future claims. If nothing has changed, think about ways to improve the situation. Were you robbed twice? Perhaps offer to install an alarm system. Were all your claims under $1,000 or $5,000? Perhaps ask the insurance company if they would allow you to take an even higher deductible. This way, the risk they are are concerned about gets lower. | https://www.thebalance.com/insurance-company-cancelling-policy-2645554 |
msmarco_v2.1_doc_54_296407625#10_672973663 | Title: 5 Reasons an Insurance Company Could Cancel Your Policy
Headings:
5 Reasons an Insurance Company Could Cancel Your Policy
And What to Do If That Happens
Why Would Your Home Policy Get Cancelled?
Home Insurance Cancellation Rights: How to Avoid Getting Canceled
What Can I Do if I Have Too Many Insurance Claims?
How to Present Your Case to Keep Your Insurance
Does Being Loyal Matter When it Comes to Insurance?
Showing an Insurance Company Your Value
Getting Insurance When You Have Two or More Claims
How Long Will It Take for the Insurance Company to Review My Case?
Article Sources
Content: Were you robbed twice? Perhaps offer to install an alarm system. Were all your claims under $1,000 or $5,000? Perhaps ask the insurance company if they would allow you to take an even higher deductible. This way, the risk they are are concerned about gets lower. It is also a way of showing them that you are willing to take on added risk and responsibility yourself. 5
Ask if there is a policy that could be offered to you as an alternative to what you have in the present. For example, if all the claims came from water damage, perhaps they have a policy they can offer you that does not include water damage. That would allow you to have basic insurance coverage, rather than no insurance or high-risk insurance. 6
Does Being Loyal Matter When it Comes to Insurance? | https://www.thebalance.com/insurance-company-cancelling-policy-2645554 |
msmarco_v2.1_doc_54_296407625#11_672975254 | Title: 5 Reasons an Insurance Company Could Cancel Your Policy
Headings:
5 Reasons an Insurance Company Could Cancel Your Policy
And What to Do If That Happens
Why Would Your Home Policy Get Cancelled?
Home Insurance Cancellation Rights: How to Avoid Getting Canceled
What Can I Do if I Have Too Many Insurance Claims?
How to Present Your Case to Keep Your Insurance
Does Being Loyal Matter When it Comes to Insurance?
Showing an Insurance Company Your Value
Getting Insurance When You Have Two or More Claims
How Long Will It Take for the Insurance Company to Review My Case?
Article Sources
Content: It is also a way of showing them that you are willing to take on added risk and responsibility yourself. 5
Ask if there is a policy that could be offered to you as an alternative to what you have in the present. For example, if all the claims came from water damage, perhaps they have a policy they can offer you that does not include water damage. That would allow you to have basic insurance coverage, rather than no insurance or high-risk insurance. 6
Does Being Loyal Matter When it Comes to Insurance? Every insurer is different, and the ratio of how much the insurance company has paid out in your claims vs. how much they have been able to collect in premiums from you will come into play. It doesn’t hurt to show them how stable and loyal you are. This can be helpful if you were insured for many years prior to the claims they have a problem with and didn't have any claims for many years. Showing an Insurance Company Your Value
Point out how long have you been with the company. Figure out how much you have you paid them over the years. | https://www.thebalance.com/insurance-company-cancelling-policy-2645554 |
msmarco_v2.1_doc_54_296407625#14_672980630 | Title: 5 Reasons an Insurance Company Could Cancel Your Policy
Headings:
5 Reasons an Insurance Company Could Cancel Your Policy
And What to Do If That Happens
Why Would Your Home Policy Get Cancelled?
Home Insurance Cancellation Rights: How to Avoid Getting Canceled
What Can I Do if I Have Too Many Insurance Claims?
How to Present Your Case to Keep Your Insurance
Does Being Loyal Matter When it Comes to Insurance?
Showing an Insurance Company Your Value
Getting Insurance When You Have Two or More Claims
How Long Will It Take for the Insurance Company to Review My Case?
Article Sources
Content: Getting Insurance When You Have Two or More Claims
Once you have all the facts, you should try to get insured with another company, agent, or broker. Don't forget that you have to look out for yourself and what is best for you. Every insurance company offers diverse products, so while one may not work for you, another one will. While you wait for their review of your case, you should check other options, especially if you’re being told you might lose your plan. Although insurance companies will use some of the same tools to see what claims have been made in the past, the way they assess risk is diverse. 7 You see examples of this often when you get a quote with one company, and it is much higher than another. The reason for this is in the diverse ways that each one works their rates and decides risks. The same may be true in how they will look at your situation. Not every insurance company has the same underwriting rules, and if you have a solid case, you may find another one to help you. Working with a broker who deals with several companies, not just one, may also be very helpful. | https://www.thebalance.com/insurance-company-cancelling-policy-2645554 |
msmarco_v2.1_doc_54_296407625#18_672987426 | Title: 5 Reasons an Insurance Company Could Cancel Your Policy
Headings:
5 Reasons an Insurance Company Could Cancel Your Policy
And What to Do If That Happens
Why Would Your Home Policy Get Cancelled?
Home Insurance Cancellation Rights: How to Avoid Getting Canceled
What Can I Do if I Have Too Many Insurance Claims?
How to Present Your Case to Keep Your Insurance
Does Being Loyal Matter When it Comes to Insurance?
Showing an Insurance Company Your Value
Getting Insurance When You Have Two or More Claims
How Long Will It Take for the Insurance Company to Review My Case?
Article Sources
Content: Make sure you bring your case to the proper people, and you may be able to negotiate some policy terms that will help you stay insured and protected, and show the insurance company that you can be a “good risk” after all. Article Sources
NAIC. " A Consumer's Guide to Home Insurance ." Accessed May 21, 2021. United Policyholders. " Mid-Term Cancellations by State ." Accessed May 21, 2021. Independent Insurance Agents of Texas. " Policy Cancellation and Nonrenewal ." Accessed May 21, 2021. | https://www.thebalance.com/insurance-company-cancelling-policy-2645554 |
msmarco_v2.1_doc_54_296407625#19_672988742 | Title: 5 Reasons an Insurance Company Could Cancel Your Policy
Headings:
5 Reasons an Insurance Company Could Cancel Your Policy
And What to Do If That Happens
Why Would Your Home Policy Get Cancelled?
Home Insurance Cancellation Rights: How to Avoid Getting Canceled
What Can I Do if I Have Too Many Insurance Claims?
How to Present Your Case to Keep Your Insurance
Does Being Loyal Matter When it Comes to Insurance?
Showing an Insurance Company Your Value
Getting Insurance When You Have Two or More Claims
How Long Will It Take for the Insurance Company to Review My Case?
Article Sources
Content: Mid-Term Cancellations by State ." Accessed May 21, 2021. Independent Insurance Agents of Texas. " Policy Cancellation and Nonrenewal ." Accessed May 21, 2021. FICO Insurance Scores. " About Insurance Scores ." Accessed May 21, 2021. Rocky Mountain Insurance Information Association. " How to Avoid Non-Renewal on Your Homeowners Insurance Policy ." | https://www.thebalance.com/insurance-company-cancelling-policy-2645554 |
msmarco_v2.1_doc_54_296407625#20_672989905 | Title: 5 Reasons an Insurance Company Could Cancel Your Policy
Headings:
5 Reasons an Insurance Company Could Cancel Your Policy
And What to Do If That Happens
Why Would Your Home Policy Get Cancelled?
Home Insurance Cancellation Rights: How to Avoid Getting Canceled
What Can I Do if I Have Too Many Insurance Claims?
How to Present Your Case to Keep Your Insurance
Does Being Loyal Matter When it Comes to Insurance?
Showing an Insurance Company Your Value
Getting Insurance When You Have Two or More Claims
How Long Will It Take for the Insurance Company to Review My Case?
Article Sources
Content: FICO Insurance Scores. " About Insurance Scores ." Accessed May 21, 2021. Rocky Mountain Insurance Information Association. " How to Avoid Non-Renewal on Your Homeowners Insurance Policy ." Accessed May 21, 2021. United Policyholders. " Dropped by Your Insurer? Where to go for Help in California ." Accessed May 21, 2021. | https://www.thebalance.com/insurance-company-cancelling-policy-2645554 |
msmarco_v2.1_doc_54_296407625#21_672991040 | Title: 5 Reasons an Insurance Company Could Cancel Your Policy
Headings:
5 Reasons an Insurance Company Could Cancel Your Policy
And What to Do If That Happens
Why Would Your Home Policy Get Cancelled?
Home Insurance Cancellation Rights: How to Avoid Getting Canceled
What Can I Do if I Have Too Many Insurance Claims?
How to Present Your Case to Keep Your Insurance
Does Being Loyal Matter When it Comes to Insurance?
Showing an Insurance Company Your Value
Getting Insurance When You Have Two or More Claims
How Long Will It Take for the Insurance Company to Review My Case?
Article Sources
Content: Accessed May 21, 2021. United Policyholders. " Dropped by Your Insurer? Where to go for Help in California ." Accessed May 21, 2021. Consumer Financial Protection Bureau. " Comprehensive Loss Underwriting Exchange ." Accessed May 21, 2021. | https://www.thebalance.com/insurance-company-cancelling-policy-2645554 |
msmarco_v2.1_doc_54_296995158#6_674511919 | Title: Understanding Investing and the Stock Market
Headings: An Introduction to the Stock Market
An Introduction to the Stock Market
Stock Market Terms
Introduction to the Stock Market
Investing by Following the Crowd
Learning to Invest
Why Do Companies Sell Stock?
The Need for Funding
How Is Stock Issued?
Making the Decision to Sell Shares
Finding an Underwriter
Deciding How Much of Their Business to Sell
Using the Income to Expand and Grow
The Benefits of Selling and Owning Shares
Content: Some people believe investing is a form of gambling and feel that, if you invest, you will likely end up losing your money. These fears can stem from the personal experiences of family members and friends who suffered similar fates or lived through the Great Depression. These feelings are understandable but aren't grounded in facts. Someone who believes in this line of thinking may not have an in-depth understanding of the stock market, why it exists, and how it works. Investing by Following the Crowd
Other people believe that they should invest for the long run but don’t know where to begin. Before learning about how the stock market works, they look at investing like some sort of magic that only a few people know how to use. More often than not, they leave their financial decisions up to professionals and cannot tell you why they own a particular stock or mutual fund . This investment style could be called blind faith, or perhaps it's limited to a sentiment such as, “This stock is going up—we should buy it." Though it may not seem so on the surface, this group is in far more danger than the first. They tend to invest by following the masses and then wonder why they only achieve mediocre, or, in some cases, devastating results. | https://www.thebalance.com/investing-lesson-1-introduction-to-the-stock-market-356170 |
msmarco_v2.1_doc_54_297099681#1_674719293 | Title: 6 Personality Traits of the Best Investors
Headings: 6 Personality Traits of the Best Investors
6 Personality Traits of the Best Investors
Patience
Ability to Tune out Noise
Staying the Course
Calm in the Storm
Doing the Homework
Asking for Knowledge
Content: The more your own style mimics the greats, the more likely you are to produce profits. These successful traits include patience, focus, and doing your due diligence in researching your investments. Patience
Above and beyond all the other traits, the degree of patience you possess with impact your final results. Perhaps this is because patience is actually the exact opposite of the profit-killing emotions which plague most investors, such as impatience, greed, and fear. In fact, a steady hand will often eliminate all the stock market mistakes which come along with frustration or anger or regret. In the world of investing, patience means profits. Ability to Tune out Noise
This personality trait will serve you well, whether we are talking about the stock market, mainstream media, or even noisy kids. With constant distractions, and the constant interruptions of advertisements each day, how can anyone survive unless they are able to ignore the commotion? Even if we focus solely on the stock market, the deluge of data points and numbers is still far beyond overwhelming. The better you can get through all the mixed messages and contrarian opinions, the greater your final trading account balance. | https://www.thebalance.com/investor-personality-traits-3867158 |
msmarco_v2.1_doc_54_297099681#2_674720960 | Title: 6 Personality Traits of the Best Investors
Headings: 6 Personality Traits of the Best Investors
6 Personality Traits of the Best Investors
Patience
Ability to Tune out Noise
Staying the Course
Calm in the Storm
Doing the Homework
Asking for Knowledge
Content: In the world of investing, patience means profits. Ability to Tune out Noise
This personality trait will serve you well, whether we are talking about the stock market, mainstream media, or even noisy kids. With constant distractions, and the constant interruptions of advertisements each day, how can anyone survive unless they are able to ignore the commotion? Even if we focus solely on the stock market, the deluge of data points and numbers is still far beyond overwhelming. The better you can get through all the mixed messages and contrarian opinions, the greater your final trading account balance. Don't get discouraged, you will find that you get pretty good at this stuff, and pretty quickly too! Staying the Course
Have you ever sold a stock, only to watch the shares climb higher? Similar to its close cousin "patience," staying the course should typically help you remain ahead of the pack. Said another way, trading more often does not usually result in greater or better trading profits. Quite the opposite, actually—the frequency of trading is typically inverse to profits. | https://www.thebalance.com/investor-personality-traits-3867158 |
msmarco_v2.1_doc_54_297099681#4_674724104 | Title: 6 Personality Traits of the Best Investors
Headings: 6 Personality Traits of the Best Investors
6 Personality Traits of the Best Investors
Patience
Ability to Tune out Noise
Staying the Course
Calm in the Storm
Doing the Homework
Asking for Knowledge
Content: Calm in the Storm
When the sky is falling, and crowds are trampling one another to dump their shares, the investors who remain calm win. In fact, the relaxed and thoughtful people among us will be able to recognize all the undervalued opportunities that others miss during the frenzy. Doing the Homework
Rather than bet on opinions based on limited knowledge, successful investors continually learn. Most people make decisions based on sound bites or partial arguments.
In contrast, the greatest stock market traders conduct their own due diligence —and learn—until they know which investment moves will pay off. When they aren't sure about a trading move, they learn more—until they know plenty, and have a pretty solid understanding of their potential choices. Asking for Knowledge
Great stock market investors are wise enough to know what they don't know. They lean heavily on the opinions and knowledge of experts and specialists. They are also not too proud to ask questions, and they tend to spend the time, in the beginning, to get all the facts, rather than doing their learning once it is too late. In other words, they make sure that they are well-informed and well-prepared. | https://www.thebalance.com/investor-personality-traits-3867158 |
msmarco_v2.1_doc_54_297749202#4_676462580 | Title: Japan's Economy: Abenomics, Effect on U.S.
Headings: Japan's Economy, Abenomics, and Impact on U.S. Economy
Japan's Economy, Abenomics, and Impact on U.S. Economy
7 Reason's Japan's Economy Is Stuck
Trade
What's Wrong With Japan's Economy?
7 Characteristics of Japan's Economy
Japan's Lost Decade
The Tsunami and Fukushima Disaster
Abenomics Tried to Fix the Problems
Expansive Monetary Policy
Expansive Fiscal Policy
Structural Reforms
How Japan Affects the U.S. Economy
The Bottom Line
Article Sources
Content: Japan relies on its central bank to prop up its economy. Government spending is around 16.4% of the country's GDP. But Japan can't finance this through taxes because that would slow growth even more. Therefore, in order to spur growth, the Bank of Japan strives to keep interest rates low. It does this by continuously buying government debt, a tactic similar to the U.S. quantitative easing program, which was utilized during the Great Recession and is currently in use to combat the economic fallout from the global health crisis. Currently, Japan's central bank owns $4.5 trillion in government bonds, roughly half the total. 9 The bank’s discount rate is just 0.3%, and it promises to keep rates low. 10 As a result, people expect low rates and falling prices, which reinforces Japan’s deflationary environment. The expectation means that every time prices rise, consumers stop buying. They just wait for prices to drop again. | https://www.thebalance.com/japan-s-economy-recession-effect-on-u-s-and-world-3306007 |
msmarco_v2.1_doc_54_297749202#5_676464260 | Title: Japan's Economy: Abenomics, Effect on U.S.
Headings: Japan's Economy, Abenomics, and Impact on U.S. Economy
Japan's Economy, Abenomics, and Impact on U.S. Economy
7 Reason's Japan's Economy Is Stuck
Trade
What's Wrong With Japan's Economy?
7 Characteristics of Japan's Economy
Japan's Lost Decade
The Tsunami and Fukushima Disaster
Abenomics Tried to Fix the Problems
Expansive Monetary Policy
Expansive Fiscal Policy
Structural Reforms
How Japan Affects the U.S. Economy
The Bottom Line
Article Sources
Content: Currently, Japan's central bank owns $4.5 trillion in government bonds, roughly half the total. 9 The bank’s discount rate is just 0.3%, and it promises to keep rates low. 10 As a result, people expect low rates and falling prices, which reinforces Japan’s deflationary environment. The expectation means that every time prices rise, consumers stop buying. They just wait for prices to drop again. Businesses can't raise prices or hire new workers. Employees don't get raises, so they just keep saving. Just look at Japan to see why a little inflation is a good thing . The Bank wants to keep the value of the yen low, but the yen carry trade keeps raising it. Even when the dollar's value soared 15% in 2014, it didn't increase the price of imports. | https://www.thebalance.com/japan-s-economy-recession-effect-on-u-s-and-world-3306007 |
msmarco_v2.1_doc_54_297749202#13_676476660 | Title: Japan's Economy: Abenomics, Effect on U.S.
Headings: Japan's Economy, Abenomics, and Impact on U.S. Economy
Japan's Economy, Abenomics, and Impact on U.S. Economy
7 Reason's Japan's Economy Is Stuck
Trade
What's Wrong With Japan's Economy?
7 Characteristics of Japan's Economy
Japan's Lost Decade
The Tsunami and Fukushima Disaster
Abenomics Tried to Fix the Problems
Expansive Monetary Policy
Expansive Fiscal Policy
Structural Reforms
How Japan Affects the U.S. Economy
The Bottom Line
Article Sources
Content: 17
Japan's massive debt-to-GDP ratio means the nation owes more than twice as much as it produces annually. The biggest owner of the debt is the Bank of Japan. 9 Its ongoing bond-buying activities have enabled the country to keep spending without worrying about the higher interest rates demanded by skittish lenders. Unfortunately, government spending hasn’t provided a meaningful boost to the economy
Japan briefly became the largest holder of U.S. debt in 2015 and again in 2017. Japan does this to keep the yen low relative to the dollar to improve its exports. Japan is the world’s largest net food importer. 18 The country has just over one-third as much arable land per person as China. 19
Japan's Lost Decade
In January 1990, Japan's stock market crashed. 20 Property values fell 87%. The Bank of Japan fought back and lowered the interest rate from 6% to 0.5% by 1995. | https://www.thebalance.com/japan-s-economy-recession-effect-on-u-s-and-world-3306007 |
msmarco_v2.1_doc_54_297749202#14_676478292 | Title: Japan's Economy: Abenomics, Effect on U.S.
Headings: Japan's Economy, Abenomics, and Impact on U.S. Economy
Japan's Economy, Abenomics, and Impact on U.S. Economy
7 Reason's Japan's Economy Is Stuck
Trade
What's Wrong With Japan's Economy?
7 Characteristics of Japan's Economy
Japan's Lost Decade
The Tsunami and Fukushima Disaster
Abenomics Tried to Fix the Problems
Expansive Monetary Policy
Expansive Fiscal Policy
Structural Reforms
How Japan Affects the U.S. Economy
The Bottom Line
Article Sources
Content: Japan is the world’s largest net food importer. 18 The country has just over one-third as much arable land per person as China. 19
Japan's Lost Decade
In January 1990, Japan's stock market crashed. 20 Property values fell 87%. The Bank of Japan fought back and lowered the interest rate from 6% to 0.5% by 1995. 21 Unfortunately, this didn't revive the economy because people had borrowed too much to buy real estate during the bubble. They took advantage of low rates to refinance old debt. They didn't borrow to buy more. The government also tried fiscal policy. It spent on highways and other infrastructure that created the high debt-to-GDP ratio. | https://www.thebalance.com/japan-s-economy-recession-effect-on-u-s-and-world-3306007 |
msmarco_v2.1_doc_54_297767559#1_676492744 | Title: Japan's Lost Decade: Brief History and Lessons
Headings: What You Can Learn From Japan's Lost Decade
Portfolio Management International Investing
What You Can Learn From Japan's Lost Decade
What This Period of Japanese History Teaches Us About Financial Crises
What Caused Japan's Lost Decade?
Japan's Lost Decade in Detail
Japan's Lost Decade vs. the 2008 U.S. Crisis
Lessons Learned From Japan's Lost Decade
Article Sources
Content: What Caused Japan's Lost Decade? Most economic crises immediately follow an economic boom where valuations disconnect from reality. For example, the dot-com bust and the Great Recession in the United States immediately followed several record U.S. stock market valuations. 1
Similarly, Japan's lost decade was largely caused by speculation during a boom cycle. Record-low interest rates fueled stock market and real estate speculation that sent valuations soaring throughout the 1980s. Property and public company valuations more than tripled to the point where a three square meter area near the Imperial Palace was sold for $600,000. 2
Upon realizing that the bubble was unsustainable, the Bank of Japan raised interest rates to try and stem the speculation. The move quickly led to a stock market crash and debt crisis, as borrowers failed to make payments on many debts that were backed by speculative assets. 3 Finally, the issues manifested themselves in a banking crisis that led to consolidation and several government bailouts. 4
Japan's Lost Decade in Detail
After the initial economic shock, Japan's economy was sent into its now-infamous lost decade, where economic expansion halted for more than ten years. | https://www.thebalance.com/japan-s-lost-decade-brief-history-and-lessons-1979056 |
msmarco_v2.1_doc_54_297767559#2_676494646 | Title: Japan's Lost Decade: Brief History and Lessons
Headings: What You Can Learn From Japan's Lost Decade
Portfolio Management International Investing
What You Can Learn From Japan's Lost Decade
What This Period of Japanese History Teaches Us About Financial Crises
What Caused Japan's Lost Decade?
Japan's Lost Decade in Detail
Japan's Lost Decade vs. the 2008 U.S. Crisis
Lessons Learned From Japan's Lost Decade
Article Sources
Content: Property and public company valuations more than tripled to the point where a three square meter area near the Imperial Palace was sold for $600,000. 2
Upon realizing that the bubble was unsustainable, the Bank of Japan raised interest rates to try and stem the speculation. The move quickly led to a stock market crash and debt crisis, as borrowers failed to make payments on many debts that were backed by speculative assets. 3 Finally, the issues manifested themselves in a banking crisis that led to consolidation and several government bailouts. 4
Japan's Lost Decade in Detail
After the initial economic shock, Japan's economy was sent into its now-infamous lost decade, where economic expansion halted for more than ten years. The country experienced low growth and deflation during this time, while the Japanese stock markets hovered near record lows. The property market never fully returned to its pre-boom levels. 3
Economist Paul Krugman blames the lost decade on consumers and companies that saved too much and caused the economy to slow. Other economists point blame at the country's aging population demographic or its monetary policy — or both — for the decline. In particular, the slow response of the Bank of Japan (BOJ) to intervene in the marketplace may have exacerbated the problem. | https://www.thebalance.com/japan-s-lost-decade-brief-history-and-lessons-1979056 |
msmarco_v2.1_doc_54_297767559#3_676496644 | Title: Japan's Lost Decade: Brief History and Lessons
Headings: What You Can Learn From Japan's Lost Decade
Portfolio Management International Investing
What You Can Learn From Japan's Lost Decade
What This Period of Japanese History Teaches Us About Financial Crises
What Caused Japan's Lost Decade?
Japan's Lost Decade in Detail
Japan's Lost Decade vs. the 2008 U.S. Crisis
Lessons Learned From Japan's Lost Decade
Article Sources
Content: The country experienced low growth and deflation during this time, while the Japanese stock markets hovered near record lows. The property market never fully returned to its pre-boom levels. 3
Economist Paul Krugman blames the lost decade on consumers and companies that saved too much and caused the economy to slow. Other economists point blame at the country's aging population demographic or its monetary policy — or both — for the decline. In particular, the slow response of the Bank of Japan (BOJ) to intervene in the marketplace may have exacerbated the problem. The reality is that many of these factors may have contributed to the lost decade. Following the crisis, many Japanese citizens responded by saving more and spending less, which had a negative impact on aggregate demand. This contributed to deflationary pressures that encouraged consumers to further hoard money, which resulted in a deflationary spiral. Japan's Lost Decade vs. the 2008 U.S. Crisis
Many economists and financial experts have compared Japan's lost decade to the U.S. situation after the 2008 banking crisis. In both cases, speculation fueled real estate and stock market bubbles that eventually crashed and led to government bailouts. | https://www.thebalance.com/japan-s-lost-decade-brief-history-and-lessons-1979056 |
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