questions http://www.wisebread.com/taxonomy/term/7931/all en-US 5 Mortgage Details You Should Know Before You Sign http://www.wisebread.com/5-mortgage-details-you-should-know-before-you-sign <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-mortgage-details-you-should-know-before-you-sign" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-475902363.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Taking out a mortgage is a big financial commitment. Not only are mortgage loans expensive, they also represent the biggest monthly payment for most consumers' budgets.</p> <p>That's why it's so important to ask the right questions before signing the documents that officially close your mortgage. Here are five key questions you need to ask your lender when looking over your mortgage documents.</p> <h2>1. What are my closing costs?</h2> <p>Taking out a mortgage isn't free. Your lender and several third-party service providers will charge you what are known as closing costs, the fees you'll have to pay for your mortgage loan. You can expect to pay from 2 percent to 5 percent of your home's purchase price in closing costs.</p> <p>This means for a home costing $200,000, you can expect to pay between $4,000 and $10,000 in closing costs. That's a lot of money, and often consumers roll the amount into their final loan, which can slightly increase their monthly payment.</p> <p>Fortunately, uncovering your closing costs is an easy process. Your lender must send you a form known as a loan estimate within three business days of receiving your loan application. This form includes a list of your estimated closing costs. At least three days before closing your loan, your lender will provide you with another form, the closing disclosure. This form lists your final closing costs.</p> <p>It's important to study both of these forms to make sure your closing costs are what you expected them to be.</p> <h2>2. What is my interest rate?</h2> <p>When you pay a mortgage loan, a good chunk of your monthly payment will go toward interest. In fact, during the earliest years of your mortgage, a far larger percentage of your monthly payment will go toward interest than toward paying down your principal balance.</p> <p>That's why getting the lowest possible interest rate makes such a difference in both the amount of interest you'll pay during the life of your loan, and how much you'll pay each month.</p> <p>Here's an example: Say you take out a 30-year, fixed-rate mortgage loan for $200,000 at an interest rate of 3.76 percent. Your monthly payment &mdash; not including property taxes and homeowners insurance &mdash; would be about $927.</p> <p>If on that same loan your interest rate was 4.76 percent, your monthly payment would shoot up to $1,044, not including taxes and insurance.</p> <h2>3. What is my monthly payment?</h2> <p>Your monthly payment doesn't just include the amount you pay in interest and principal. Most lenders require that you pay extra with each payment to cover the yearly cost of your homeowners insurance and property taxes.</p> <p>Your lender will then take this extra money and deposit it into an escrow account. When your taxes and insurance come due each year, your lender will use this money to pay these bills on your behalf. This can add hundreds of dollars to your monthly payment, so knowing this ahead of time is important.</p> <p>Don't be fooled into thinking that your mortgage payment <em>only</em> includes your mortgage loan. Your property taxes and insurance make a big difference in your monthly bill.</p> <h2>4. What type of loan do I have?</h2> <p>There are several types of mortgages out there. The most common are fixed loans, usually with terms of 30 or 15 years. With these loans, your interest rate remains the same until you pay off the loan, sell your home, or refinance it.</p> <p>You might also opt for an adjustable-rate loan. With an adjustable-rate mortgage, the interest rate remains fixed for a set period &mdash; usually five to seven years &mdash; and then adjusts according to whatever economic indexes your loan is tied to. Your loan's interest rate could adjust every year or it could adjust every five years. It all depends on your loan's specifics.</p> <p>Consumers choose adjustable-rate loans because their initial interest rates are usually lower than those you'd get with a fixed-rate loan. But adjustable-rate loans do come with more risk: When your loan adjusts, your new rate could be higher than the rate you would have had if you had gone with a fixed-rate loan.</p> <h2>5. Is there a penalty for paying early?</h2> <p>They're not as common as they once were, but some loans come with a prepayment penalty. This means that you'll have to pay a penalty &mdash; often about 2 percent of your loan's remaining balance &mdash; for paying off your mortgage before it's due. Often, lenders who charge prepayment penalties assess them if you pay off your loan in the first two to five years.</p> <p>You might not worry about such a penalty. After all, you'll never pay off your mortgage loan in two to five years, right?</p> <p>But a prepayment penalty may also kick in if you decide to refinance your loan or sell your home during the penalty phase. Because of this, it's best not to sign onto a loan with a prepayment penalty.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F5-mortgage-details-you-should-know-before-you-sign&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Mortgage%2520Details%2520You%2520Should%2520Know%2520Before%2520You%2520Sign.jpg&amp;description=5%20Mortgage%20Details%20You%20Should%20Know%20Before%20You%20Sign"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/5%20Mortgage%20Details%20You%20Should%20Know%20Before%20You%20Sign.jpg" alt="5 Mortgage Details You Should Know Before You Sign" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/5-mortgage-details-you-should-know-before-you-sign">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-long-does-it-take-break-even-with-a-home-refi">How Long Does it Take Break Even With a Home ReFi?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-surprising-things-lenders-check-besides-your-credit-score">4 Surprising Things Lenders Check Besides Your Credit Score</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-it-safe-to-re-finance-your-home-close-to-retirement">Is it Safe to Re-Finance Your Home Close to Retirement?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-times-buying-a-home-with-cash-is-bad-for-your-budget">5 Times Buying a Home With Cash Is Bad for Your Budget</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-moves-that-will-ruin-your-mortgage-application">5 Money Moves That Will Ruin Your Mortgage Application</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Real Estate and Housing closing costs home buying home loans homeownership interest rates lenders monthly payments mortgages penalties questions Fri, 04 Aug 2017 08:00:06 +0000 Dan Rafter 1990976 at http://www.wisebread.com 20+ Questions to Ask During an Open House http://www.wisebread.com/20-questions-to-ask-during-an-open-house <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/20-questions-to-ask-during-an-open-house" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/showing_room.jpg" alt="Showing room" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Shopping for real estate can be daunting. It takes time and discernment to know which house is right for you. To avoid wasting time on open house visits, be prepared with these key questions. If you find a house that matches your wish list, chat with the listing agent to find out all the details you don't want to overlook.</p> <h2>Before you start asking questions</h2> <p>First things first: Pick up a copy of the property information. These are often on the kitchen counter or near the entry during open houses. Many people view the house, and then look over the information. But the disclosure statements often reveal things you'll want to see while on site; maybe there was water damage, or the carpets were recently replaced. Spend five minutes reviewing the property information so you can eyeball the improvements or issues as you move from room to room.</p> <p>Some listing agents will wait near the information sheets, ready to talk to prospective buyers. If you're not ready to chat yet, say so; the agent should accommodate your desire to view the house and review the information before either of you starts asking questions.</p> <h2>General questions</h2> <p>Ask these questions to get an idea of the overall condition of the house and area.</p> <h3>What's the reason for the sale?</h3> <p>This may seem like a personal question, but it's a valid one. If the house is being sold because the owners are unhappy with its condition, need for repairs, the safety of the area, or the feel of the neighborhood, you want to know. Your goal is to understand if the reason for the sale is personal or due to an issue with the house or area.</p> <p>Don't press for personal information about the owners, of course; the agent should protect their confidentiality while giving you a top-level answer. If the agent is very hesitant, or unable to provide even a generic or partial answer, note that. If you're interested in the house, you can have your own real estate agent follow up with the listing agent.</p> <h3>What are the biggest problems with the house?</h3> <p>If you ask, &quot;Are there any major problems with the house?&quot; then the agent may say, &quot;No, it's in great shape.&quot; Phrasing matters. Every house has problems. This is the time to find out what those problems are. The listing agent wants to sell the property, of course, but they want the sale to be a satisfactory one.</p> <p>In many states a seller's disclosure is required, and should be included with the property information. You can ask for more details on any issues disclosed:</p> <ul> <li> <p>Have there been any more water problems since the sump pump was replaced?</p> </li> <li> <p>How extensive was the termite damage listed on the disclosure?</p> </li> <li> <p>Have the owners done any further mold testing?</p> </li> </ul> <p>Asking for more information will help you determine if the issues have been resolved or would require additional repair or maintenance.</p> <h3>What are the average utility costs?</h3> <p>Older houses tend to be less energy efficient, and can come with heftier utility bills than you'd expect. On the other hand, the owners may have a installed top-of-the-line HVAC system, put in double-paned windows, and invested in other energy-saving upgrades. The listing agent will know, or be able to find out, the average monthly cost for utilities. It's a good idea to ask for a typical monthly cost in the winter and in the summer, so you can compare how much the energy use might fluctuate seasonally.</p> <h3>Has the price changed at all?</h3> <p>The listing agent will know the history of the house, if the listing price has dropped or increased, and the reasons for any change in price. A lower listing price can be great news for you, but multiple drops in price should be a red flag. Was the house listed much too high for the area? Or are there major issues that are keeping buyers away?</p> <p>In your discussion on price, you can ask other questions to get an idea of the urgency of the sellers:</p> <ul> <li> <p>How long has the house been on the market?</p> </li> <li> <p>Have there been other offers on the house?</p> </li> <li> <p>Are the sellers eager to negotiate?</p> </li> <li> <p>Are the sellers in a hurry to sell?</p> </li> </ul> <p>You may not get direct answers to all these questions, but they're still worth asking. If you are genuinely interested in the property, talking with the agent can give you insight on what matters most to the sellers. If they're in a hurry to move, for example, they might accept a lower offer with a rushed closing date.</p> <h3>Is this a good neighborhood for families?</h3> <p>Maybe you don't have a family; this is still a good question to ask, because &quot;family-friendly&quot; is often code for safe, clean, and welcoming. Are there community events nearby? Is there a neighborhood association? Ask the agent about the nearest places for shopping, entertainment, and dining out. If the nearest grocery store is 10 miles away but the nearest bar is just around the corner, it may not be so family-friendly, after all.</p> <p>A discussion about the neighborhood is a good time to ask about area resources and attractions, as well as cost of living:</p> <ul> <li> <p>Are there any parks or natural attractions nearby?</p> </li> <li> <p>What do people in this area like to do for fun?</p> </li> <li> <p>What's the best restaurant nearby?</p> </li> <li> <p>Do you know what the average income is for this area?</p> </li> <li> <p>Where is the nearest hospital?</p> </li> </ul> <h2>Room by room questions</h2> <p>Some questions are room-specific. Ask the agent to walk through the house with you and discuss as you go.</p> <h3>Kitchen<strong> </strong></h3> <ul> <li> <p>Which appliances are included? How old are they?</p> </li> <li> <p>Have there been any major updates or renovations in the kitchen?</p> </li> <li> <p>Are there any water issues in the kitchen?</p> </li> <li> <p>Have there been any major repairs in the kitchen?</p> </li> </ul> <h3>Basement</h3> <ul> <li> <p>Are there any water issues in the basement?</p> </li> <li> <p>Is there a sump pump installed?</p> </li> <li> <p>Have there been any issues with mold?</p> </li> </ul> <h3>Living rooms and bedrooms</h3> <ul> <li> <p>How old is the carpet?</p> </li> <li> <p>What's underneath the carpet?</p> </li> <li> <p>Have the rooms been recently painted?</p> </li> <li> <p>Are the window treatments included?</p> </li> <li> <p>Have there been any renovations or updates done lately?</p> </li> </ul> <h3>Bathrooms</h3> <ul> <li> <p>Are there any water issues in the bathrooms?</p> </li> <li> <p>How is the water pressure? (Ask if you can check it.)</p> </li> <li> <p>How recently have the bathroom fixtures been updated?</p> </li> </ul> <h3>Yard</h3> <ul> <li> <p>Does the landscaping allow water to flow away from the house?</p> </li> <li> <p>Are there any wet or soggy areas in the yard?</p> </li> <li> <p>Have the owners done regular pest control?</p> </li> <li> <p>Are there any issues with the yard or garden?</p> </li> </ul> <h2>Open house etiquette</h2> <p>Open houses vary, but there are some common etiquette rules to follow. Don't forget to sign in; leave your name only if you prefer not to include your contact information. Be sure to greet the listing agent. Let the agent know you have questions, but don't keep them from being able to interact with other visitors. Discuss, don't dominate.</p> <p>Expect to answer a few questions about yourself, such as &quot;How long have you been looking?&quot; A good listing agent will be trying to determine who's a serious buyer and who's there for the free mints.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F20-questions-to-ask-during-an-open-house&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F20%252B%2520Questions%2520to%2520Ask%2520During%2520an%2520Open%2520House.jpg&amp;description=20%20plus%20Questions%20to%20Ask%20During%20an%20Open%20House"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/20%2B%20Questions%20to%20Ask%20During%20an%20Open%20House.jpg" alt="20+ Questions to Ask During an Open House" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/20-questions-to-ask-during-an-open-house">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-mortgage-details-you-should-know-before-you-sign">5 Mortgage Details You Should Know Before You Sign</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-money-moves-that-will-ruin-your-mortgage-application">5 Money Moves That Will Ruin Your Mortgage Application</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-questions-to-ask-before-signing-a-lease">10 Questions to Ask Before Signing a Lease</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-questions-real-estate-agents-hear-most-often">8 Questions Real Estate Agents Hear Most Often</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-overcome-these-5-worst-homeownership-fears">How to Overcome These 5 Worst Homeownership Fears</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Real Estate and Housing damage home buying homeownership listing agents maintenance open houses pests problems questions renovations utilities Thu, 20 Jul 2017 08:30:14 +0000 Annie Mueller 1986643 at http://www.wisebread.com 8 Questions Financial Advisers Hear Most Often http://www.wisebread.com/8-questions-financial-advisers-hear-most-often <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-questions-financial-advisers-hear-most-often" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/business_communication_connection_people_concept.jpg" alt="Business Communication Connection People Concept" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>No one goes to a financial adviser if they already know everything there is to know about retirement planning and investing. So most people will, logically, come armed with a variety of questions when they meet with an adviser, especially if it is for the first time.</p> <p>Financial advisers say they hear many of the same questions repeatedly from clients looking to build their retirement savings or live large in retirement. Most of the questions center around the ability of clients to retire, or the information needed to build wealth in the hopes of retiring comfortably.</p> <p>This list of common questions for financial advisers was compiled with the help of Greg Hammer of Hammer Financial Group in Northwest Indiana, and Willie Schuette, financial coach with JL Smith Group in Ohio.</p> <h2>1. &quot;Can I retire?&quot;</h2> <p>This is really the ultimate question posed to most financial advisers. Clients want to know if they can afford to stop working. And if not now, when?</p> <p>A financial adviser will help you determine how much money you have and how much more you'll need, based on your life expectancy and retirement plans. Both Hammer and Schuette said they often have to break the news to clients that they need to keep working, but that's better than telling them after they&rsquo;ve retired that their money is likely to run out.</p> <h2>2. &quot;Can you help me avoid paying taxes?&quot;</h2> <p>The Internal Revenue Service can take a chunk out of your earnings, and often leave you with less cash than you originally planned. Financial advisers say they get a lot of questions about how to avoid a big tax hit, especially from retirees looking to preserve every dollar they have.</p> <p>Advisers field many questions about Roth IRAs, which allow investors to invest money and withdraw it tax-free upon retirement. Many investors turn to financial advisers for advice on the tax implications of converting traditional IRAs into Roth IRAs. There are also a multitude of other tax questions relating to municipal bonds, inheritance taxes, and tax deductions.</p> <h2>3. &quot;How can I preserve my money?&quot;</h2> <p>Financial advisers say clients are generally aware that they need to invest more conservatively as they get older to protect against market downturns, but aren't quite sure how. What's the right investment mix based on their age, their money saved, and retirement date? What's the best way to go about shifting away from stocks to cash and bonds?</p> <p>Hammer and Schuette say they get questions like this all the time, and are happy to walk clients through the best approach to keeping their retirement nest eggs secure.</p> <h2>4. &quot;When should I collect Social Security?&quot;</h2> <p>Retirees can begin collecting Social Security benefits as early as age 62, but will get larger monthly payments the longer they wait. Financial advisers will usually work with retirees to develop income sources that will allow them to delay collecting Social Security. But both Hammer and Schuette said their recommendations depend on the individual client's circumstances and financial needs. (See also: <a href="http://www.wisebread.com/5-sobering-facts-about-social-security-you-shouldnt-panic-over?ref=seealso" target="_blank">5 Sobering Facts About Social Security You Shouldn't Panic Over</a>)</p> <h2>5. &quot;What's the deal with health care?&quot;</h2> <p>With Congress working to repeal and replace the Affordable Care Act, many clients are wondering how their health care may be affected. Financial advisers have received this question from retirees who are not old enough to collect Medicare, as well as younger clients who don't get insurance through an employer. Advisers say they will walk clients through the cost of health care and the proper plans, as well as assist with setting up things like <a href="http://www.wisebread.com/how-an-hsa-saves-you-money" target="_blank">health savings accounts</a> and emergency funds.</p> <h2>6. &quot;I know I need life insurance, but what kind? And how much?&quot;</h2> <p>Financial advisers say clients usually know they need some sort of life insurance to protect their families, but are often bewildered by the offerings. There's whole and term life insurance, and policies with varying sizes, lengths, and premiums. An adviser can help find the right kind of insurance for each person and their unique situation. (See also: <a href="http://www.wisebread.com/why-your-group-life-insurance-is-not-enough?ref=seealso" target="_blank">Why Your Group Life Insurance Is Not Enough</a>)</p> <h2>7. &quot;My spouse just died. What do I do?&quot;</h2> <p>Many people feel confident in their financial planning, until something changes in their life that throws things out of whack. A loss of a spouse or other major change cannot only be challenging emotionally, but it can drastically change a person's financial needs. There may be a sudden loss of income when a spouse dies, and there are endless concerns about taxes, life insurance, and even real estate.</p> <h2>8. &quot;How do I take care of my heirs?&quot;</h2> <p>For most people, the main financial goal is amassing enough wealth to last their full retirement, and there's not much consideration for the next generation. After all, saving for your own several decades of life after retirement is hard enough.</p> <p>But Hammer and Schuette say there is a segment of clients seeking the best approach to passing wealth onto to their children and other relatives. Financial advisers say that in these cases, the conversation centers not only on amassing wealth, but taking into account things like inheritance taxes, and performing full, in-depth estate planning.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/8-questions-financial-advisers-hear-most-often">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/if-youre-lucky-enough-to-receive-a-pension-here-are-6-things-you-need-to-do">If You&#039;re Lucky Enough to Receive a Pension, Here Are 6 Things You Need to Do</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-costly-mistakes-diy-investors-make">9 Costly Mistakes DIY Investors Make</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-your-financial-planner-isnt-telling-you-about-retirement">5 Things Your Financial Planner Isn&#039;t Telling You About Retirement</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-critical-money-mistakes-people-make-in-their-40s">7 Critical Money Mistakes People Make in Their 40s</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-sure-you-dont-run-out-of-money-in-retirement">How to Make Sure You Don&#039;t Run Out of Money in Retirement</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Investment Retirement estate planning financial advisers financial planning health care life insurance questions saving money social security taxes Fri, 02 Jun 2017 08:00:10 +0000 Tim Lemke 1957430 at http://www.wisebread.com The Proper Ways to Discuss Salary in a Job Interview http://www.wisebread.com/the-proper-ways-to-discuss-salary-in-a-job-interview <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-proper-ways-to-discuss-salary-in-a-job-interview" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/confident_young_job_applicant.jpg" alt="Confident young job applicant" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Interviewing for a new position can be stressful. It's also a balancing act that can take time, and practice, to perfect.</p> <p>When it comes to salary expectations, the pressure increases exponentially. How much will they pay you? How much dare you ask for? What about benefits, and other deciding factors? The way you play this game can put thousands of extra dollars in your paycheck. So how should you bring it up?</p> <h2>When to discuss salary</h2> <p>There are a few different schools of thought on this. Some people say that you should wait until the person asking the questions mentions it. If they don't bring it up, you stay silent and wait for the next interview (if there is one). Others say that you should bring it up yourself if the interviewer doesn't mention it or skates around the subject. And some people are of the firm belief that you should only discuss salary once you've been offered the job.</p> <p>The fact is, there's no right or wrong answer here. You have to get a feel for how the interview process is going, and also the demeanor of the person doing the interview. If you have an instant rapport with this interviewer, and the meeting is going exceptionally well, you can be fairly confident that bringing up the subject of salary without being prompted will be OK.</p> <p>However, if you have one of those interviews with a cold interviewer behind the desk and very little chitchat, asking about salary in an already tense atmosphere could just make things worse.</p> <p>If the interviewer starts talking about the subject, without actually mentioning salary directly (for instance, they discuss benefits packages, paid time off, sick leave, and so on) then you have a natural &quot;in&quot; to bring it up.</p> <h2>Salary research is imperative</h2> <p>Chances are you already know the salary range for this position. If you don't, be prepared. Before you go into the first interview, or even apply for the job, do your research. Look on sites like Salary.com and Glassdoor.com to find the salaries of people in the position for which you're applying. Get a good range. Then, look at what different companies are paying for that role, and how that salary differs from state to state (or even country to country).</p> <p>You need to understand what you are worth and what the market will pay for someone with your skills and expertise. When you have that information, you put yourself in a position of confidence. Knowledge is power, and you will have a much stronger negotiating position if you have the research to back you up.</p> <h2>Use the anchoring technique</h2> <p>It's a technique widely used by people in sales, advertising, and marketing, and it works. Contrary to popular opinion, <em>you</em> need to come out with the first number in the interview. Old school interviewers and interviewees will say this is risky because you could name a number so high it disqualifies you, or so low you'll miss out on more money. Actually, as long as you've done your research, it's good business, and puts you in control of the discussion. (See also: <a href="http://www.wisebread.com/this-simple-negotiating-trick-puts-money-in-your-pocket?ref=seealso" target="_blank">This Simple Negotiating Trick Puts Money in Your Pocket</a>)</p> <p>Let's take a hypothetical: You know that this position is worth, say $95,000 a year plus benefits. You also know that you are highly-qualified, have a superb resume, impeccable references, and that the company in question has had trouble filling the role. Therefore, you ask for much more than $95,000. Start at $120,000, or more. You have good reason to want this much money. You are worth it, and every day the company does not have this role filled, they are wasting time and money looking for a candidate. If they really want you, they'll pay it. If they don't, they won't.</p> <p>By anchoring the interviewer to a higher figure, you can eventually haggle your way to a salary that you are comfortable taking &mdash; say $100,000, which may be $5,000 more than the company wanted to spend, but $20,000 less than your asking price. Everyone's a winner.</p> <h2>How to tackle some of the tricky salary questions</h2> <p>You are going to get asked about salary in a variety of ways. Remember, you're in a negotiation; you want the most money for the role and they want to pay as little as possible. Here are some typical questions, and how to handle them.</p> <h2>&quot;What kind of salary range are you looking for?&quot;</h2> <p>Think about that for a second. It's a ridiculous question. They're asking you, &quot;What is the least amount of money you would be willing to take for this role, and what is your high-end?&quot; Do you think they're going to give you the top end of your salary range? Of course not, you've already told them how cheaply they can get you.</p> <p>So, narrow the answer down to something that gives very little wiggle room. For example, &quot;I'm looking for a salary in the high $90s&quot; focuses on a salary that's at least $97,000 a year. If you say &quot;$90,000&ndash;$100,000,&quot; guess what &hellip; you're getting $90,000.</p> <h2>&quot;How much are you currently making?&quot;</h2> <p>This is another nasty question, although it may seem like a perfectly innocent one to ask. You may currently be earning $60,000 a year, but so what? After doing the research, paired with your experience, you know you should be getting at least $80,000 a year for the job to which you're applying.</p> <p>Don't fall into this trap, because you are selling yourself short. Simply answer with something like, &quot;It's an apples to oranges comparison to compare my current salary to this role. If you supply me with more information about the role, the benefits package, the hours, the workload, and so on, I can let you know what salary I am looking for.&quot;</p> <h2>&quot;What are your salary expectations?&quot;</h2> <p>&quot;Ummm &hellip; I'd like as much money as possible please!&quot; Clearly, that's not the right answer, but that's what you're thinking. Again, you need to be realistic based on the research you've done, your current level of experience, and what you can bring to this new firm. There is no harm in saying &quot;That's not a question I can answer until I have a much better grasp on the requirements of the position, and what benefits come with it.&quot;</p> <h2>&quot;We really want you, but can't afford you. Would you take a pay cut?&quot;</h2> <p>If you've already named your price and they ask you this question, don't give up. If they really want you, they should be willing to pay. This is a sly way of setting your expectations low. They're saying &quot;We're cheap, we want to pay the minimum.&quot;</p> <p>Well, until you know what that minimum is, you cannot possibly answer this question. Never say, &quot;I'd consider it,&quot; or, &quot;Sure, if that's what it takes to get my foot in the door.&quot; That's just rolling over for them. Instead, make them put the entire offer on the table first, including benefits, travel allowances, vacation time, sick time, and so on. It's possible that you could take less money than you're earning now if they give you other concessions, like working only four days a week, working remotely, or getting six weeks of paid time off.</p> <p>Remember, salary negotiation is a crucial part of the interview process, but you should not be chastised for wanting a good living wage. Good luck out there.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/the-proper-ways-to-discuss-salary-in-a-job-interview">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-hired-by-your-dream-company">How to Get Hired by Your Dream Company</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-keep-your-job-search-a-secret">How to Keep Your Job Search a Secret</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-ways-college-grads-can-get-ahead-in-the-job-hunt">11 Ways College Grads Can Get Ahead in the Job Hunt</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-you-should-never-include-in-your-cover-letter">7 Things You Should Never Include in Your Cover Letter</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Job Hunting advice anchoring technique interviewing negotiations new jobs pay questions research salary strategies wages Tue, 23 May 2017 09:00:11 +0000 Paul Michael 1951908 at http://www.wisebread.com The 7 Most Common Tax Questions for Beginners, Answered http://www.wisebread.com/the-7-most-common-tax-questions-for-beginners-answered <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-7-most-common-tax-questions-for-beginners-answered" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-182251590.jpg" alt="Man learning answers to common tax questions" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>It's tax season: That joyous time when you look back on what you earned last year and figure out whether you gave enough of it to Uncle Sam. Think of it as Christmas for the government.</p> <p>If you're new to filing a tax return, the process can seem daunting. The forms have cryptic names. Making a mistake can have serious consequences, whether it's inadvertently paying too much, or paying too little and getting audited. A quick lesson in the basics of filing a tax return might help.</p> <p>Before we begin, a reminder: I'm not an accountant. If you have a question about your individual tax situation that you can't answer by consulting the <a href="https://www.irs.gov/" target="_blank">Internal Revenue Service</a>, ask a professional. (See also: <a href="http://www.wisebread.com/6-great-places-to-get-free-tax-advice?ref=seealso" target="_blank">6 Great Places to Get Free Tax Advice</a>)</p> <h2>1. Do I Have to File a Tax Return?</h2> <p>You may be surprised to learn that not all adults are required to fill out a federal tax form every year. According to the Internal Revenue Service, you could be off the hook if you earned less than $10,000, or if certain <a href="https://www.irs.com/articles/who-has-file-federal-income-tax-return" target="_blank">other criteria</a> were met. However, you may still want to file, because you could qualify for a tax credit that puts money back in your pocket. (More on that below.)</p> <h2>2. Do I Need to Hire an Accountant to File?</h2> <p>No. If your tax situation is simple &mdash; for instance, if all your income comes from your full-time job and your earnings are modest &mdash; your filing process should be straightforward. Of course, hiring an accountant could save you time. The IRS estimates that the &quot;short form,&quot; 1040A, takes about <a href="http://www.dontmesswithtaxes.com/2012/03/22-hours-needed-to-complete-form-1040.html" target="_blank">10 hours to file</a>.</p> <p>If you want to do your own taxes but are worried you'll make a mistake, using a tax prep website can be a good compromise. TurboTax, H&amp;R Block, and TaxAct all offer free versions for simple returns. If your taxes are a bit more complicated &mdash; for instance, if you want to search for possible deductions &mdash; you can get both state and federal taxes filed through these sites for between $40 and $100. (See also: <a href="http://www.wisebread.com/8-ways-to-file-your-taxes-for-free-in-2015?ref=seealso" target="_blank">8 Ways to File Your Taxes for Free</a>)</p> <h2>3. Where Do I Find Tax Forms?</h2> <p>If you file online, you don't need to locate forms &mdash; any of the websites mentioned above will ask you questions and then submit your return online. But if you want to take pencil to paper, you can print out tax forms from the <a href="https://www.irs.gov/" target="_blank">IRS website</a> or pick them up, along with instruction booklets, at a public library or post office.</p> <h2>4. What Money Do I Have to Pay Taxes On?</h2> <p>You have to pay taxes on almost any money you make, whether it's from working, selling something, or even <a href="http://www.wisebread.com/35-bizarre-things-you-can-be-taxed-on?ref=internal" target="_blank">finding buried treasure</a>. That said, there are plenty of exceptions, such as <a href="https://www.efile.com/tax/estate-gift-tax/" target="_blank">most gifts</a>, <a href="http://www.nolo.com/legal-encyclopedia/is-your-personal-injury-settlement-taxable.html" target="_blank">compensation for injuries</a>, proceeds from <a href="https://turbotax.intuit.com/tax-tools/tax-tips/Home-Ownership/Tax-Aspects-of-Home-Ownership--Selling-a-Home/INF12035.html" target="_blank">selling your home</a> (within limits), and investment gains inside certain retirement accounts (you'll pay taxes on the gains inside your IRA eventually, but not now).</p> <p>Getting paid in cash, making money doing something illegal, or working without documentation do not exempt you from paying taxes on the money you make.</p> <h2>5. Will I Get a Refund?</h2> <p>Most employers take money out of your check week after week, all year. Because no one knows exactly how much you're going to owe the IRS until the year ends, this withholding is merely an estimate. Once you work out your taxes, it may happen that the money taken out of your check every week turned out to be too much. If that happens, the IRS will refund the difference.</p> <p>On the other hand, if it turns out that the money withheld was less than your tax liability, you will have to send the IRS a check.</p> <p>Just because you got a refund last year doesn't mean you'll get one this year. Things change; for instance, if you made more money this year, you might have moved to a <a href="http://www.wisebread.com/tax-brackets-explained?ref=internal" target="_blank">higher tax bracket</a>, causing you to owe more.</p> <p>Moreover, getting a huge tax refund isn't necessarily a great thing. While receiving a fat check is always fun, what this really means is that you gave the government an interest-free loan all year. If you get a large refund this year, you should look into having the amount taken out of each paycheck reduced so that it doesn't happen again next year.</p> <h2>6. What's the Difference Between a Deduction, an Exemption, and a Credit?</h2> <p>All three are ways the tax code allows you to reduce the tax you owe.</p> <p>For the average taxpayer, an exemption and a deduction are practically the same thing: They both reduce the amount of your income that counts toward your taxable total. The most well-known exemption is for your children: For 2016, everyone gets to subtract $4,050 from their income for a dependent child living in the home.</p> <p>We get tax deductions for <a href="http://www.wisebread.com/heres-how-to-deduct-charitable-donations-on-your-taxes?ref=internal" target="_blank">charitable donations</a> we make, <a href="http://www.wisebread.com/what-if-the-mortgage-interest-deduction-went-away?ref=internal" target="_blank">mortgage interest</a>, and for some work-related expenses, among many other things. For example, if you earned $50,000 this year, donated $2,000, and spent $1,000 looking for work, your taxable income would be $47,000 (minus any other exemptions and deductions you have).</p> <p>Tax credits are subtracted directly from your tax bill, not your income. For instance, if your tax bill for the year is $5,000, but you can claim a $4,000 tax credit, you only have to pay $1,000.</p> <p>One of the most important tax credits to know about is the <a href="https://www.irs.gov/credits-deductions/individuals/earned-income-tax-credit/eitc-income-limits-maximum-credit-amounts" target="_blank">earned income tax credit</a>, a benefit for working people with low-to-moderate income. Qualifying families can receive between $3,373 and $6,269, depending on their number of qualifying children (or $506 for no qualifying children). The best part is, if your credit is more than you owe on taxes, you'll get the balance back as a &quot;refund.&quot;</p> <p>For instance, say you and your spouse owed $5,000 in taxes in 2016, but you qualified for the maximum credit of $6,269. The IRS would send you a refund check for $1,269 &mdash; plus any taxes that had been withheld from your paychecks. This is why it may be a very good idea to file a tax return even if you didn't earn enough for it to be required.</p> <h2>7. What If I File Late?</h2> <p>If you're not going to be able to submit your tax return and any tax owed by the deadline (in 2017, it's April 18), you should at least <a href="http://www.wisebread.com/filed-an-extension-heres-what-you-need-to-know?ref=internal" target="_blank">file for an extension</a> by that date. If you were expecting a refund, being late on submitting your forms isn't a big deal. But if you end up owing a payment, the IRS will charge late fees every month &mdash; so don't delay.</p> <p>Of course, it's never too late to pay money you owe to the IRS. If you failed to file or to pay what you owed in past years, you can file a &quot;back tax return&quot; now. If less than three years have gone by, you can even <a href="https://www.irs.gov/businesses/small-businesses-self-employed/filing-past-due-tax-returns" target="_blank">claim refunds for past years</a>.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/the-7-most-common-tax-questions-for-beginners-answered">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-lessons-from-tax-day-to-remember-for-next-year">7 Lessons From Tax Day to Remember for Next Year</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-your-money-sooner-by-starting-2016-tax-prep-now">Get Your Money Sooner by Starting 2016 Tax Prep Now</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-important-tax-changes-for-2016">5 Important Tax Changes for 2016</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-tax-return-mistakes-even-smart-people-make">8 Tax Return Mistakes Even Smart People Make</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-reasons-you-should-file-your-taxes-as-soon-as-possible">8 Reasons You Should File Your Taxes as Soon as Possible</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Taxes beginners deductions earned income tax credit exemptions filing income IRS questions refunds tax returns withholdings Fri, 17 Feb 2017 10:00:18 +0000 Carrie Kirby 1890385 at http://www.wisebread.com 15 Questions You Should Always Ask at the End of a Job Interview http://www.wisebread.com/15-questions-you-should-always-ask-at-the-end-of-a-job-interview <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/15-questions-you-should-always-ask-at-the-end-of-a-job-interview" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-493088844.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>There are two important moments that occur in every job interview &mdash; the first impression, and the last. The first impression is about instantly portraying a positive image of yourself to the interviewer. You want to be confident, personable, and eager to talk. By the time the interview is over, you will have relaxed, and will hopefully have a rapport with the other person. This is the time to hit them with some questions that can be enlightening, and leave things on a lasting, positive end note.</p> <h2>1. &quot;Why Is the Person I am Replacing Leaving the Company?&quot;</h2> <p>This question can be considered quite assertive, but it's definitely fair game. If you are filling the shoes of someone else, you want to know why they are leaving. Maybe they got a promotion. Perhaps they were headhunted. Or, they may have hated the job, the people, and the hours so much, they quit. The interviewer may not be as open to answering this if it's the latter, but the reaction on their face, and any hesitation in answering, can speak volumes.</p> <h2>2. &quot;What Would a Current Employee Say About This Position?&quot;</h2> <p>You could always ask them directly (and that's not a bad idea at all&hellip; reach out on sites like LinkedIn and Facebook). But in this situation, you can find out how the interviewer reacts to that question. A grimace or raised eyebrows gives away the probability that although the interviewer has talked a good game, the job may not be all it's cracked up to be.</p> <h2>3. &quot;What's the Corporate Culture Like Here?<strong> </strong></h2> <p>Is this an environment of backstabbing and name-calling? Do you have to really flatter egos and go the extra mile to get a promotion or a raise? Will your political leanings be looked upon unfavorably? (Some people have been let go due to Facebook and Twitter posts.) Is the atmosphere relaxed, or uptight? You need to know before you sign.</p> <h2>4. &quot;What are the Main Challenges That the Company, and My Department, Are Facing Right Now?</h2> <p>This is a doozy after rounds of questions from the interviewer. You are showing an interest in the issues that you will want to help solve, and you can also gauge the reaction of the person sitting opposite of you. Hopefully, they will be open, honest, and engage in the answer. If they can't think of any, you may want to run and hide. Every company has issues&hellip;denying their existence is a red flag of an oppressive corporate culture.</p> <h2>5. &quot;If I Get the Job, What Will Be My First Major Assignment or Goal?&quot;</h2> <p>This shows your eagerness to dive into the role, and gives you fair warning of what your first few weeks, or months, on the job will look like. It may also be a red flag for you that you're about to bite off way more than you can chew, or that the company doesn't entirely understand the role for which you're being hired.</p> <h2>6. &quot;What Qualities Does Your Ideal Candidate Possess?&quot;</h2> <p>Basically &mdash; am I the person you had in mind? Of course, you don't ever want to come out and say that. By asking it this way, you can weigh up your own strengths and weaknesses and get a good temperature reading on your chances of success. Oh, and if he or she says, &quot;Actually, you have them all&quot; then you're probably a shoo-in for the job.</p> <h2>7. &quot;What Does Success Look Like for My Particular Role?&quot;</h2> <p>This will vary drastically depending on the company, and the job itself. For some jobs, success comes directly from sales results or hitting hard financial goals. In other jobs, success is based more on your creative output, or how you help raise the company profile. Get to know the parameters for success, so you can meet them and move upward.</p> <h2>8. &quot;Name One Thing You Like, and Don't Like, About Working Here.&quot;</h2> <p>The first part of this question is easy. It's a softball to set the interviewer up for the real question: What's not so good about life at your company? They may well be reluctant to answer. They could say something trite, like &quot;Sometimes the people are too nice.&quot; But hopefully, you'll get an honest answer. The hours can be long. The work is very challenging. This will give you more meat to contemplate the role you will be filling.</p> <h2>9. &quot;Which of Your Competitors Do You Look Up to, and Why?&quot;</h2> <p>Make no mistake, every company should be looking at their rivals. If you're Pepsi, you take note of everything Coke is doing. If you're Avis, you look at Hertz. How the interviewer answers gives you a good indication of their competitive spirit, and what they are doing to either stay on top, or become a bigger player. There's nothing wrong with admiring a rival; if the interviewer doesn't think anyone is worth his or her respect, this could reflect a narcissistic company culture.</p> <h2>10. &quot;What Are the Opportunities for Growth and Training in This Role?&quot;</h2> <p>Does the company offer help with expenses for further education? Can you expect to climb the ladder quickly, if you meet and exceed your duties? Is the job a dead end, with few chances of advancement? Find out now, before you say yes to a role that could be career suicide.</p> <h2>11. &quot;Is There Anything You Haven't Told Me About the Job That I Should Know?&quot;</h2> <p>This one catches a lot of interviewers off-guard. Many will &quot;um&quot; and &quot;ah&quot; and come back with &quot;Not that I'm aware of.&quot; But it's worth asking, because sometimes you get an insight or confession that would not have been presented unless you probed in this manner.</p> <h2>12. &quot;Does the Company Have a History of Layoffs and/or High Turnover?&quot;</h2> <p>You may be able to get some of this information from sites like LinkedIn and Glassdoor, or by Googling articles on the company. But many times, this kind of information is just not out there. You might get stonewalled here, but you could also get an honest answer. Yes, the company does lay off people for certain reasons, and yes, the turnover is high because many people cannot handle the pace, or the hours.</p> <h2>13. &quot;Is There Anything About My Resume or Experience That Causes Concern?&quot;</h2> <p>Find out what your weaknesses are now, and change the interviewer's opinion if you can. Perhaps they don't see a certain skill listed. You can reply that you are taking courses on that and will be up to speed in weeks. This is your chance to remove doubt from the interviewer's mind, and it also makes you look humble and eager to improve.</p> <h2>14. &quot;Why Did You Decide to Work Here?&quot;</h2> <p>This is a more cunning way of asking about the pros (and maybe cons) of working at the company. It prompts the interviewer to bring in personal experience, and may give you some unique insights into the job, the company, and the competitive landscape.</p> <h2>15. &quot;When Can I Expect to Hear Back From You?&quot;</h2> <p>Finally, you should set expectations for yourself on when you will hear from the company, good or bad, about the position. If the interview process is in its infancy, and there are many candidates to consider, it could take weeks for a decision to be made. On the other hand, you could get a call within a few days. It's important to know this so that you do not harass the recruiter too early. It also gives you a timeline for sending a follow up card or email.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/15-questions-you-should-always-ask-at-the-end-of-a-job-interview">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-warning-signs-youre-going-to-bomb-your-job-interview">8 Warning Signs You&#039;re Going to Bomb Your Job Interview</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/weird-job-interview-questions-and-how-to-answer-them">Weird Job Interview Questions (and How to Answer Them)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-forget-about-these-7-job-hunting-expenses">Don&#039;t Forget About These 7 Job Hunting Expenses</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-questions-you-must-ask-at-your-next-job-interview">4 Questions You Must Ask at Your Next Job Interview</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Job Hunting employers first impressions hiring insight job interviews last impressions new hires professional questions Tue, 07 Feb 2017 11:00:09 +0000 Paul Michael 1885696 at http://www.wisebread.com 5 Homebuying Questions You're Embarrassed to Ask http://www.wisebread.com/5-homebuying-questions-youre-embarrassed-to-ask <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-homebuying-questions-youre-embarrassed-to-ask" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_realtor_house_91129695.jpg" alt="Couple asking homebuying questions they&#039;re too embarrassed to ask" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You're ready to buy your first house. But you have questions. Lots of them. And some you think might be too embarrassing &mdash; too simple &mdash; to even ask out loud.</p> <p>Here's the truth: Buying a home is a complicated process. It's normal to have questions. And you should never be embarrassed to ask any of them. Here are answers to five such common questions. (See also: <a href="http://www.wisebread.com/the-only-5-rules-of-home-buying-you-need-to-know?ref=seealso">The Only 5 Rules of Home Buying You Need to Know</a>)</p> <h2>1. How Much Will My Real Estate Agent Charge Me?</h2> <p>The short answer: nothing.</p> <p>It's true. When you work with a real estate agent to <em>buy </em>a home, you won't pay a cent to that realtor. Your real estate agent gets paid by the <em>seller</em> of the home that you buy. When the home sale closes, your real estate agent is paid a commission from the proceeds.</p> <p>Typically, the agent representing the home's seller charges a commission of 6% of the home's sale. If a home sells for $200,000, the seller's agent receives $12,000. That agent then typically splits the commission 50/50 with your agent. Your agent in this example would receive $6,000 for helping you buy a home while the seller's agent would also receive $6,000.</p> <p>But none of that commission money will come out of your pocket.</p> <h2>2. What Is a Buyer's Agent?</h2> <p>An exclusive buyer's agent is a real estate agent who only represents buyers. They are different from dual agents, who both represent buyers and work with sellers. An exclusive buyer's agent never takes on listings from sellers.</p> <p>If you work with a dual agent, that agent will show you all the for-sale homes that meet your criteria, and will still work with you to negotiate a lower sales price. But this agent <em>might </em>show you a home he or she has as a listing, too. This can be tricky. Is your dual agent going to negotiate hard on the sales price if that agent is also representing the person selling the home?</p> <h2>3. What Is Pre-Approval and Why Does It Matter?</h2> <p>Your real estate agent might ask you to get pre-approved for a mortgage loan from a lender. During the pre-approval process, your lender will run your credit and ask for copies of documents that prove your income, such as your last two paycheck stubs, last two months of bank account statements, and last two W2s.</p> <p>Once a lender has this information, it can calculate how much of a mortgage you can afford. The lender will then give you a pre-approval letter &mdash; that lasts a certain number of days, such as 30 or 60 &mdash; stating that it has approved you for a mortgage loan of a certain amount.</p> <p>Getting pre-approved is important because it tells you how much home you can afford. It also makes you a more attractive buyer. When sellers receive multiple bids for their homes, they're more likely to choose a buyer who is pre-approved. Such buyers are more likely to be able to actually close the home sale.</p> <h2>4. What Is Earnest Money?</h2> <p>Earnest money is a deposit that you make after you and a seller sign a contract. It shows the seller that you are serious about purchasing the home.</p> <p>After you and the seller agree on a sales price and each of you signs the sales contract, you'll deposit a certain percentage of the home's final sales price into an escrow account. The title company that handles your mortgage closing will usually manage the account. When the final mortgage documents are signed and the home sale officially closes, your earnest money is removed from the escrow account and used to cover part of your closing costs.</p> <p>How much earnest money the sellers request varies. Some sellers will require 1% of the home's final purchase price. Others will require just a few hundred dollars.</p> <p>Be careful with earnest money. If you back out of the sale because you can't come up with the mortgage dollars you need to finance the home, the contract might state that you lose your earnest money deposit. However, if you back out of the sale because a home inspection turns up serious problems with the home, the seller will usually return your earnest money deposit.</p> <h2>5. Do I Really Need a Home Inspection?</h2> <p>Yes. After you sign a sales contract for a home, you need to schedule a home inspection of the property. An inspector will tour the home and search for serious problems. Usually, the homebuyer attends the inspection, too.</p> <p>If the inspection turns up serious problems, you have options. You can ask the seller to repair the problems before the sale closes. You can request that the seller lower the agreed-upon asking price to free up money that you can use to fix the repairs yourself.</p> <p>If the problems are too severe, you can also back out of the sale. Your agent and the seller's agent will then negotiate what happens to your earnest money deposit. If the problems with a home truly are serious, and expensive, in most cases, you will receive a refund of your earnest money deposit.</p> <p><em>Any fundamental questions we've overlooked?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/5-homebuying-questions-youre-embarrassed-to-ask">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-mortgage-details-you-should-know-before-you-sign">5 Mortgage Details You Should Know Before You Sign</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-to-consider-before-buying-a-home-when-youre-single">5 Things to Consider Before Buying a Home When You&#039;re Single</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-fire-your-real-estate-agent">How to Fire Your Real Estate Agent</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-why-your-house-is-not-an-investment">Stop Thinking of Your House as an Investment</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/home-reverse-mortgaged-heres-how-to-sell-it">Home Reverse Mortgaged? Here&#039;s How to Sell It</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Real Estate and Housing buying a home earnest money escrow home inspection mortgages pre-approval questions selling a home Fri, 10 Jun 2016 09:00:05 +0000 Dan Rafter 1727884 at http://www.wisebread.com 10 Questions Landlords Can't Ask http://www.wisebread.com/10-questions-landlords-cant-ask <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-questions-landlords-cant-ask" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_rental_sign_000024945777.jpg" alt="Learning which questions landlords cannot ask" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The rental market is tough these days, especially in big cities. You have to scan the classifieds, jump on opportunities, and be ready to say yes at a moment's notice. So the last thing you need is for some landlord to refuse you a lease because of questions he or she is actually not allowed to ask. Here are 10 of those questions. Getting asked any of them should give you pause.</p> <h2>1. Where Were You Born?</h2> <p>It may be an innocent enough question, especially if you have an accent and the landlord picks up on it. But it's actually against the <a href="http://www.fairhousingresources.com/Fair-Housing-Act-Full-Text.html">Fair Housing Act</a> to ask questions regarding someone's nationality. A landlord cannot ask about your parents' nationality or upbringing either, or your spouse's. This is all information that should have no bearing on your application, or your suitability as a tenant. If a landlord does ask, <a href="http://www.american-apartment-owners-association.org/property-management/tenant-screening/rental-application-question-illegal/">the penalties can be severe</a>.</p> <h2>2. Have You Ever Been Arrested for Anything?</h2> <p>If a landlord is asking this, they're probably trying to protect themselves from someone who could be trouble. But, landlords are simply not allowed to know about your arrest record. They are entitled to know if you were convicted of a crime, and that will come up on a standard background check. However, since innocent people can be arrested and then set free, <a href="http://www.wisebread.com/the-9-most-important-lessons-i-learned-about-money-when-i-became-a-landlord" target="_blank">landlords aren't entitled</a> to arrest records.</p> <h2>3. Are You Straight, Gay, or Bisexual?</h2> <p>This has absolutely no place in the conversation, and cannot be asked by the landlord. It's a direct violation of the Fair Housing Act, and by doing so, the landlord could face severe penalties. If sexual orientation ever becomes an issue, know that it's a violation of the law.</p> <h2>4. Do You Have Any Disabilities?</h2> <p>Many landlords may be genuinely looking out for you here. They may know that the wheelchair access to the building is very poor, or that it would be a tough building for a blind person to negotiate. That is all well and good, but it's not their concern. Someone with a disability has the same rights to rent a home or apartment as an able-bodied person. What's more, every apartment or home up for rent should be made available to a disabled tenant. If the landlord steers you to one particular apartment over all others, they could actually face legal action. When it comes down to it, a person's disability, even if it's severe, cannot be brought into question when renting. It's also worth pointing out that pet policies do not apply to service animals.</p> <h2>5. Tell Me About Your Kids</h2> <p>Another big no-no. Anything relating to kids, whether it's their ages, how many you have, where they go to school, or if you're planning to have any, it's all off limits. Once again, this is all down to the Fair Housing Act. Landlords could use that information to discriminate against a tenant (especially those who believe children will just cause a lot of noise and mess), and the law just does not allow that. You may naturally bring up kids in conversation (especially if you're interested in a park in the area, or local daycare centers), and that is your right. But the landlord cannot and should not initiate it. (By the way, some landlords have found a way to skirt this by assuming you have children, and simply asking for their names on the application. You do not have to complete that information.)</p> <h2>6. So, Do You Go to Church Around Here?</h2> <p>Once again, this may seem like an innocent enough question, but probing about your religion is a direct violation of the Fair Housing Act. The landlord may not mean anything by it, but the assumption could be made that he or she is favoring Christian applicants over all others. Perhaps the landlord is biased for, or against, Muslims or atheists. None of this should have any impact on your application. Your faith, or lack thereof, is your concern, and yours only. Should any question about religion come up, the landlord is breaking the law.</p> <h2>7. Are You Married?</h2> <p>You have to wonder why that would be any concern of the landlord. After all, married people do not necessarily make for better, or worse, tenants. Some married couples are model citizens, others fights constantly and may appear on an episode of <em>Cops</em>. But none of this is relevant anyway, because the landlord is not allowed to ask you anything about your marital status. Even a statement like &quot;I see you two are engaged,&quot; which may be prompted by seeing a ring, is not kosher. You do not have to answer this question, and the landlord asking it could get in trouble for doing so.</p> <h2>8. Are You On Welfare?</h2> <p>A landlord has every right to ask about income. After all, they need to know that you can pay the rent on time, without any trouble. But where you get that income &mdash; that's different. If you are on welfare, receive food stamps, and get other kinds of benefits or public assistance, you can keep that information to yourself. The landlord cannot pry, and cannot deny anyone tenancy based on that information. If he or she does, it's cause for an investigation by the local authorities.</p> <h2>9. How Old Are You?</h2> <p>Seems like a standard question, right? And most rental applications have a &quot;date of birth&quot; section for you to fill in. But, asking about your age is another one of those protected pieces of information covered in the Fair Housing Act. It's quite possible a landlord wants to rent only to people in a certain age bracket. This is against the law. The only time age can be introduced as a factor is if your application is for a senior community or retirement home. Other than that, it's a no go.</p> <h2>10. What Race Are You?</h2> <p>Similar to the nationality question, this is a huge violation of the Fair Housing Act. Even if it's posed as a compliment, (like &quot;You have beautiful olive skin, are your parents Greek or Spanish?&quot;), the landlord is stepping way over the line. No questions about your race can be asked, and if it comes up, you can report the landlord for discrimination.</p> <p><em>Have you ever been asked any of these questions? How did you respond?</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F10-questions-landlords-cant-ask&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%2520Questions%2520Landlords%2520Can%2527t%2520Ask.jpg&amp;description=10%20Questions%20Landlords%20Can't%20Ask"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/10%20Questions%20Landlords%20Can%27t%20Ask.jpg" alt="10 Questions Landlords Can't Ask" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/10-questions-landlords-cant-ask">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-rent-an-apartment-with-bad-credit">7 Ways to Rent An Apartment With Bad Credit</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-moves-to-make-if-you-need-to-break-your-lease">8 Moves to Make If You Need to Break Your Lease</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-11-best-websites-for-renting-your-extra-space">The 11 Best Websites for Renting Your Extra Space</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-smart-ways-to-get-your-apartment-deposit-back">7 Smart Ways to Get Your Apartment Deposit Back</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-simple-way-to-decide-how-much-rent-you-can-really-afford">The Simple Way to Decide How Much Rent You Can Really Afford</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Real Estate and Housing apartments discrimination fair housing act illegal landlords questions renting Tue, 24 May 2016 10:30:03 +0000 Paul Michael 1715216 at http://www.wisebread.com 7 Questions a Potential Employer Cannot Ask You http://www.wisebread.com/7-questions-a-potential-employer-cannot-ask-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-questions-a-potential-employer-cannot-ask-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_job_interview_000061752264.jpg" alt="Woman being asked questions a potential employer cannot ask" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's taking U.S. companies longer and longer to hire new employees. In June 2014, it took an <a href="http://www.wsj.com/articles/companies-are-taking-longer-to-hire-1409612937">average of 24.9 work days</a> for employers to fill vacant positions. The average hiring time for companies with 5,000 or more employees is even longer at 58.1 work days.</p> <p>In the rush to fill vacancies faster, some employers are making some bad judgment calls. According to a 2014 poll conducted by Harris Poll, one in five U.S. employers has unknowingly asked an interview question that ran afoul of the law. Here are seven questions a prospective employer cannot ask you during an interview.</p> <h2>1. What Is Your Religious Affiliation?</h2> <p>Being concerned about whether or not you can meet the required work schedule for a position, some employers go the wrong way about finding out about your availability. While the <a href="http://finduslaw.com/civil-rights-act-1964-cra-title-vii-equal-employment-opportunities-42-us-code-chapter-21#3">Title VII Equal Employment Opportunities chapter</a> of the Civil Rights Act of 1964 doesn't provide a specific list of questions that &quot;thou shalt not ask,&quot; it certainly provides clear guidelines as to what is off the negotiation table. So, it is illegal for an employer to ask you about your religion. While an employer can legally ask you if you can work on a required work schedule or select from a choice of work days, he can't inquire about your willingness to work any particular religious holiday.</p> <h2>2. Are You Pregnant?</h2> <p>Before hiring you, an employer can't ask you if you're pregnant, plan to have kids, or plan to have more kids. Any of these matters can directly or indirectly result in limitation of a job opportunity in any way, so that's why the Civil Rights Act takes them off the table as well. After hiring you, your employer or HR department rep can inquire on your status for qualified reasons, such as health insurance, retirement accounts, or tax withholding.</p> <h2>3. What Is Your Political Affiliation?</h2> <p>With the U.S. presidential election coming up in November, some interviewers may drop this one on you. Under the <a href="https://archive.opm.gov/biographyofanideal/PU_CSreform.htm">Civil Service Reform Act of 1978</a>, federal employers are prohibited from asking political party preference questions of federal employees and job applicants. This is to guarantee that all employees and job applicants receive fair and equitable treatment in all aspects of personnel management without regard to political affiliation.</p> <p>While there are no federal laws that prohibit employers in the private sector from asking about political affiliation, they should refrain from asking such questions anyway. Some states, including Mississippi and the District of Columbia, have specific <a href="http://www.ncsl.org/research/labor-and-employment/discrimination-employment.aspx">laws on employment-related discrimination</a> that include political affiliation.</p> <h2>4. What Is Your Nationality?</h2> <p>Immigration is one of the key issues being discussed by candidates from both parties of this election. While an employer has every right to check that you can legally work for them, they can't ask any questions regarding your nationality.</p> <p>During a prospective job interview, it's illegal to inquire where you were born, whether you were born a U.S. citizen or naturalized, your national origin, and what is your first language. Only when it's relevant to the job can you be asked about your language proficiency. After employment, you can be asked to submit a birth certificate, proof of U.S. citizenship, or other proof of the legal right to work in the U.S.</p> <h2>5. How Old Are You?</h2> <p>The <a href="https://www.eeoc.gov/laws/statutes/adea.cfm">Age Discrimination in Employment Act of 1967</a> protects job applicants who are age 40 and older against ageism, which is discrimination against individuals on the basis of their age. Any sneaky questions to try identifying persons between 40 and 60 years are illegal.</p> <p>For those age 18 and over, some state employment laws, including those from Oregon, provide some protection with a few exceptions. Still, it's legal to inquire before hiring if you could furnish proof of age if hired, and to request such proof after hiring.</p> <h2>6. Are You Disabled?</h2> <p>The <a href="https://www.disability.gov/rehabilitation-act-1973/">Rehabilitation Act of 1973</a> prohibits discrimination on the basis of disability in all types of federal employment. Since 1990, <a href="https://www.eeoc.gov/eeoc/publications/fs-ada.cfm">Title I of the Americans with Disabilities Act</a> (ADA) prohibits private employers, state and local governments, employment agencies, and labor unions from discriminating against qualified individuals with disabilities in all job application and employment processes.</p> <p>The definition of disabilities is quite extensive. For example, an employer can't legally ask you whether or not you socially drink. Under the ADA, a recovering alcoholic is protected and doesn't have to disclose any disability information before landing an official job offer.</p> <h2>7. What is Your Credit Rating?</h2> <p>You may have heard that your credit history may affect your employment options. However, there are limitations for employers to use credit information in employment decisions.</p> <p>First, the <a href="https://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf">Fair Credit Reporting Act</a> outlines that employers require your written consent to get access to your credit report. The one exception is the trucking industry. Your potential employer must have a valid reason to request for your credit data and she can't disqualify you from employment unless the data directly affects your ability to perform the position you're interviewing for. In the event that she denies you employment, she must release the credit report to you and provide an explanation.</p> <p>Second, <a href="http://www.ncsl.org/research/financial-services-and-commerce/use-of-credit-info-in-employ-2013-legis.aspx">10 states</a>, including California, Colorado, Connecticut, Hawaii, Illinois, Maryland, Nevada, Oregon, Vermont, and Washington, have enacted legislation that bans employers from using credit information in employment decisions. If you're seeking employment in one of those states, potential employers <a href="http://www.wisebread.com/6-money-questions-you-never-have-to-answer">can't ask for your credit history or score</a>.</p> <p><em>What are other questions that a prospective employer can't ask you? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/7-questions-a-potential-employer-cannot-ask-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-questions-you-should-always-ask-at-the-end-of-a-job-interview">15 Questions You Should Always Ask at the End of a Job Interview</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/weird-job-interview-questions-and-how-to-answer-them">Weird Job Interview Questions (and How to Answer Them)</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-questions-you-should-ask-at-every-job-interview">5 Questions You Should Ask at Every Job Interview</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-tricky-interview-questions-successful-ceos-always-ask">5 Tricky Interview Questions Successful CEOs Always Ask</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Job Hunting boss harassment interview questions off limits personal questions potential employer questions Wed, 04 May 2016 10:00:08 +0000 Damian Davila 1700128 at http://www.wisebread.com 10 Things Interviewers Really Want to Know When They Ask These Questions http://www.wisebread.com/10-things-interviewers-really-want-to-know-when-they-ask-these-questions <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-things-interviewers-really-want-to-know-when-they-ask-these-questions" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/job-interview-486489595-small.jpg" alt="job interview" title="job interview" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Don't take your interviewer's questions at face value. Often, the reasons why she's asking you these questions is not just to hear your answers, but to read in between the lines and find out what your intentions are and how your character is. We've listed a couple of the most <a href="http://www.savvysugar.com/Typical-Job-Interview-Questions-Answers-20280663">popular interview questions</a> below and what the interviewer <em>really</em> means when they ask you these questions.</p> <p>RELATED: <a href="http://www.popsugar.com/smart-living/Interview-Mistakes-35619757">9 Costly Interview Mistakes That Can Lose You That Job Offer</a></p> <h2>1. Tell Me About Yourself</h2> <p>Okay, you should ace this question because it's the most basic and expected question out of every job interview. We want to see how you carry yourself and how articulate you are. We also want to know what you think are the highlights of yourself and your career and what's special about you.</p> <h2>2. What Are Your Greatest Weaknesses?</h2> <p>You know this question is coming, let's see how honest and thoughtful you can be. Not to mention how prepared you are. Please don't give us the clich├ęs like, &quot;My weakness is I work too hard.&quot; We can see right through that. <a href="http://www.savvysugar.com/What-Your-Biggest-Weakness-Interview-Question-33900029">This question</a> can reveal how self-aware you are and how proactive you are when a problem arises.</p> <h2>3. Where Do You See Yourself in Five Years?</h2> <p>We want to make sure you're here for the long haul and you've really thought about this. It takes resources to train a new hire, so ideally, we would like you to stay a while. Your answer will clue us into your ambition as well, and if you've truly thought about what your career track with us will be like. It's a chance for us to hear your strengths and your goals.</p> <h2>4. Why Do You Want to Work for Us?</h2> <p>We want to make sure you really want to work for us and that you did your research. We don't want to hire people who just want this job because it's a job.</p> <h2>5. Why Did You Leave Your Last Job?</h2> <p>Was there drama in your last company? We're actually curious to see if you left your company on good or bad terms. Obviously, most of you will catch on to this question, but your answer can also give us an insight into your relationship with your former company and how you work. If you badmouth your previous employer, no matter what the circumstance, we'll probably take it as a red flag. We also want to make sure that you're not going to leave our company for the same reason.</p> <h2>6. Do You Have Any Questions for Me?</h2> <p>This is my opportunity to see if you have been paying attention and how passionate you are about this position and company. It's also a test to see how much homework you've done on the company and the position. This can be your chance to wow us, and it can be one of the most memorable things about a candidate.</p> <h2>7. [Insert Incredibly Hard Problem]</h2> <p>We want to know how you think on your feet and what your thought process is like. You <a href="http://www.savvysugar.com/What-Do-You-Cant-Answer-Interview-Question-33925868">may not be able to answer this question</a>, but we want to see how you deal with the stress of not being able to answer the question and to see if you can at least tell us the steps you would take to find the answer. This shows good initiative and problem-solving skills. We're not looking for someone who would give up as soon as something hard comes their way.</p> <h2>8. [Insert Surprising Question]</h2> <p>Okay, you may be completely thrown off by this question, but we want that to happen. It may elicit a more genuine reaction and that's what we really want to see. Perhaps, we can catch a glimpse of your personality.</p> <h2>9. What Would Your Co-Workers Say About You?</h2> <p>We want to know how you think others view you. It says something about how self-aware you are, and it can clue us into how your relationships with your former co-workers are.</p> <h2>10. What Are Your Hobbies?</h2> <p>We want to know what you are like as a person outside of your job. This is a good time to bring up your side projects and impressive hidden talents. What you do with your free time can be a big reflection of what kind of employee you will be. For example, having a successful Etsy store can show us that you're productive, driven, passionate, and creative. This is your chance to stand out and share something personal about yourself that will make us remember you.</p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Learn to read the truth behind these common job interview questions, so you can respond with the answers that get you hired. </div> </div> </div> <div class="field field-type-text field-field-guestpost-blurb"> <div class="field-label">Guest Post Blurb:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p style="text-align:center;"><a href="http://www.savvysugar.com" style="border:none;"><img alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u921/POPSUGARrgb.jpg" style="height:95px; width:300px" /></a></p> <p><em>This is a guest contribution from our friends at </em><a href="http://www.savvysugar.com/"><em>POPSUGAR Smart Living</em></a><em>. Check out more useful articles from this partner:</em></p> <ul> <li><a href="http://www.popsugar.com/smart-living/What-Annoys-Hiring-Managers-34912002">9 Things That Really Annoy Hiring Managers</a></li> <li><a href="http://www.popsugar.com/smart-living/Things-Bring-Job-Interview-2428108">5 Things to Bring to a Job Interview</a></li> <li><a href="http://www.popsugar.com/smart-living/What-Say-During-Interview-35404815">13 Things You Should Never Say in a Job Interview</a></li> </ul> <p>&nbsp;</p> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/popsugar-smart-living">POPSUGAR Smart Living</a> of <a href="http://www.wisebread.com/10-things-interviewers-really-want-to-know-when-they-ask-these-questions">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/master-these-15-interview-questions">Master These 15 Interview Questions</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/16-major-dos-and-donts-at-a-job-interview">16 Major Dos and Don&#039;ts at a Job Interview</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-ways-to-make-a-good-first-impression-at-your-next-job-interview">13 Ways to Make a Good First Impression at Your Next Job Interview</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-ace-your-next-phone-interview">7 Ways to Ace Your Next Phone Interview</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> General Tips Job Hunting Job Interview questions underlying meaning Thu, 18 Sep 2014 21:00:05 +0000 POPSUGAR Smart Living 1203902 at http://www.wisebread.com Best Money Tips: Questions to Consider Before Overspending http://www.wisebread.com/best-money-tips-questions-to-consider-before-overspending <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-questions-to-consider-before-overspending" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman-tired-shopping-459279227-small.jpg" alt="woman tired from shopping" title="woman tired from shopping" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some amazing articles on questions to consider before overspending, saving on back to school shopping, and cost cutting tips for drivers.</p> <h2>Top 5 Articles</h2> <p><a href="http://bobbyfinance.com/questions-to-consider-before-overspending/">8 Questions to Consider Before Overspending</a> &mdash; Before you overspend, ask yourself what would happen if you didn't make the purchase. [Bobby Finance]</p> <p><a href="http://www.debtroundup.com/save-money-back-to-school-shopping/">How to Save Money on Back to School Shopping</a> &mdash; To save money on back to school shopping, don't be afraid to go used and create a list you can stick to. [Debt Roundup]</p> <p><a href="http://yourpfpro.com/5-cost-cutting-tips-drivers/">5 Cost Cutting Tips for Drivers</a> &mdash; Avoiding accidents and driving smarter can help cut the costs associated with your car. [Your Personal Finance Pro]</p> <p><a href="http://attorney-newyork.com/blog/from-the-blog/the-411-of-balance-a-checkbook/">The 411 of Balancing a Checkbook</a> &mdash; When it comes to balancing your checkbook, make sure to record all transactions. [Tayne Your Debt]</p> <p><a href="http://cashvilleskyline.com/2014/08/12/maintaining-your-network-is-more-important-than-saving-money/">Maintaining Your Network Is More Important Than Saving Money</a> &mdash; Sometimes it's a good idea to spend a little extra money to maintain your network because your network can help you find new jobs! [Cashville Skyline]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.mcclainlovejoy.com/2014/04/22/retirement-account-rollover-options-401k-403b-pension-simple-ira-rollovers-can-go/">Retirement Account Rollover Options</a> &mdash; Did you know Roth IRAs can only be rolled over into another Roth IRA? [McClain Lovejoy]</p> <p><a href="http://www.savvysugar.com/How-Figure-Out-When-Delegate-35480685">An Easy Way to Figure Out When to Delegate Tasks</a> &mdash; If someone else can do a task 70% as well as you can, it's ok to delegate that task to the other person. [PopSugar Smart Living]</p> <p><a href="http://stumbleforward.com/2014/08/14/richest-people-in-the-world/">Look After the Pennies &mdash; The Five Richest People In The World</a> &mdash; The richest man in the world is Carlos Slim from Mexico. [Stumble Forward]</p> <p><a href="http://donnafreedman.com/2014/08/14/smartphones-as-important-as-deodorant/">Smartphones: As Important as Deodorant?</a> &mdash; Nine out of ten people think their smartphones are as important as deodorant and toothbrushes. [Surviving and Thriving]</p> <p><a href="http://www.chrisducker.com/10-social-media-tools/">10 Social Media Tools That Make Everything Easier!</a> &mdash; Buffer and Pocket are just a couple social media tools that can make your life easier. [Chris Ducker]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-questions-to-consider-before-overspending">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-you-shouldnt-stress-too-much-about-spending-money">Why You Shouldn&#039;t Stress Too Much About Spending Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-being-late-on-tech-trends-saves-you-money">5 Ways Being Late on Tech Trends Saves You Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/its-natural-for-me-to-spend-as-i-do-0">It&#039;s NATURAL for me to spend as I do!</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/14-pricey-things-you-shouldnt-buy-and-what-to-get-instead">14 Pricey Things You Shouldn&#039;t Buy (And What to Get Instead)</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/frugal-tip-do-not-spend-when-you-are-sad">Frugal Tip: Do Not Spend When You Are Sad</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping best money tips overspending questions shopping spending Tue, 19 Aug 2014 19:00:04 +0000 Ashley Jacobs 1186297 at http://www.wisebread.com Best Money Tips: Most Common Job Interview Questions http://www.wisebread.com/best-money-tips-most-common-job-interview-questions <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-most-common-job-interview-questions" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/interview-dv1248022.jpg" alt="interview" title="interview" class="imagecache imagecache-250w" width="250" height="199" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on the most common job interview questions, car maintenance services you can get for free, and affordable ways to celebrate St. Patrick's Day.</p> <h2>Top 5 Articles</h2> <p><a href="http://christianpf.com/common-job-interview-questions-asked/">The 25 Most Common Job Interview Questions Asked</a> &mdash; &quot;Tell me about yourself&quot; and &quot;what kind of person would you refuse to work with&quot; are two common job interview questions you may be asked in an interview. [Christian PF]</p> <p><a href="http://www.getrichslowly.org/blog/2014/03/05/5-car-maintenance-services-you-can-get-for-free/">5 car maintenance services you can get for free</a> &mdash; Did you know you can get car diagnostic tests for free? [Get Rich Slowly]</p> <p><a href="http://www.savvysugar.com/St-Patrick-Day-Budget-34087761">4 Affordable Ways to Celebrate St. Patrick's Day</a> &mdash; To celebrate St. Patrick's Day affordably, go on a pub crawl with friends. [PopSugar Smart Living]</p> <p><a href="http://freefrombroke.com/how-i-made-the-switch-from-traditional-employment-to-freelancing-and-how-you-can-too/">How I Made the Switch from Traditional Employment to Freelancing and How You Can, Too</a> &mdash; If you want to become a freelancer, find mentors to show you the ropes and make friends. [Free From Broke]</p> <p><a href="http://sweatingthebigstuff.com/difference-spending-less-saving-money/">The Difference Between Spending Less and Saving Money</a> &mdash; Focusing on spending less money can actually help you save money. [Sweating the Big Stuff]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.carefulcents.com/top-tax-apps/">Top 10 Apps to Organize and File Your Taxes on the Go</a> &mdash; IRS2Go and Shoeboxed can help you organize and file your taxes on the go. [Careful Cents]</p> <p><a href="http://www.threethriftyguys.com/2014/03/how-the-little-things-really-do-add-up/">How the Little Things Really Do Add Up</a> &mdash; Wasting your money on little things can end up costing you big time over time. [Three Thrifty Guys]</p> <p><a href="http://www.moneyunder30.com/investments-to-avoid">Avoid These Investments at All Costs</a> &mdash; Think twice before investing in penny stocks. [Money Under 30]</p> <p><a href="http://parentingsquad.com/10-chores-your-10-year-old-should-be-doing-daily">10 Chores Your 10-Year-Old Should Be Doing Daily</a> &mdash; Your 10-year-old should be sorting and folding laundry daily. [Parenting Squad]</p> <p><a href="http://www.fivecentnickel.com/2014/03/03/is-borrowing-money-a-form-of-addiction/">Is borrowing money a form of addiction?</a> &mdash; To get over your addiction of borrowing money, stop borrowing money cold turkey. [Five Cent Nickel]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-most-common-job-interview-questions">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-write-a-resume-12-steps-to-your-next-job">How To Write A Resume: 12 Steps To Your Next Job</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/deciding-when-to-follow-instructions">Deciding when to follow instructions</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-recognize-and-answer-illegal-interview-questions">How to recognize and answer illegal interview questions</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/five-interview-lessons-learned-from-horrible-interviews">Five Interview Lessons Learned from Horrible Interviews</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/can-you-really-make-a-living-in-the-gig-economy">Can You Really Make a Living in the Gig Economy?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income best money tips interview job questions Fri, 07 Mar 2014 11:00:32 +0000 Ashley Jacobs 1129609 at http://www.wisebread.com Best Money Tips: Master These 15 Interview Questions http://www.wisebread.com/best-money-tips-master-these-15-interview-questions <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-master-these-15-interview-questions" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/interview-187006940.jpg" alt="interview" title="interview" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Welcome to Wise Bread&#39;s <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on mastering interview questions, when you will get your tax refund, and launching an online business on a budget.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.savvysugar.com/Typical-Job-Interview-Questions-Answers-20280663">Master These 15 Interview Questions</a> &mdash; When asked about your strengths and weaknesses, think back to what others have said about you to come up with answers. [PopSugar Smart Living]</p> <p><a href="http://cashmoneylife.com/when-will-i-get-my-tax-refund/">When Will I Get My Tax Refund?</a> &mdash; To get your tax refund faster, opt for direct deposit. [Cash Money Life]</p> <p><a href="http://moneyqanda.com/online-business-on-a-budget/">How To Launch an Online Business On A Budget</a> &mdash; If you are launching an online business, do so on a budget by using existing e-commerce sites. [Money Q&amp;A]</p> <p><a href="http://moneysmartlife.com/pay-veterinary-bills/">3 Ways to Pay Veterinary Bills Without Going Broke</a> &mdash; Taking advantage of pet insurance can help you pay your veterinary bills without going broke. [Money Smart Life]</p> <p><a href="http://www.freemoneyfinance.com/2014/01/top-money-resolutions-for-2014.html">Top Money Resolutions for 2014</a> &mdash; Did you make a resolution to donate more money to charity in 2014? [Free Money Finance]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.narrowbridge.net/lending-money/">7 Things to Keep in Mind When Loaning Friends Money</a> &mdash; Before you lend money to friends, consider the risks and be willing to take a loss. [NarrowBridge Finance]</p> <p><a href="http://asklizweston.com/a-whole-lot-of-shredding-going-on/">A Whole Lot Of Shredding Going On</a> &mdash; If you aren&#39;t sure what paperwork you can shred and what paperwork you can&#39;t shred, keep in mind that the IRS accepts electronic records. [Ask Liz Weston]</p> <p><a href="http://moneyning.com/make-money/the-top-3-places-to-sell-your-stuff-online/">The Top 3 Places to Sell Your Stuff Online</a> &mdash; Ebay is one of the best places to sell your stuff online. [MoneyNing]</p> <p><a href="http://livingonthecheap.com/5-tech-mobile-trends-ces2014/">5 tech trends you need to know about now</a> &mdash; Have you heard about wearable tech or fitness tech? [Living on the Cheap]</p> <p><a href="http://parentingsquad.com/11-tips-to-prepare-your-teen-to-get-behind-the-wheel">11 Tips to Prepare Your Teen to Get Behind the Wheel</a> &mdash; When preparing your teen to get behind the wheel, slow down and leave cell phones at home. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-master-these-15-interview-questions">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-words-to-never-use-in-a-job-interview">10 Words to Never Use in a Job Interview</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-questions-you-should-always-ask-at-the-end-of-a-job-interview">15 Questions You Should Always Ask at the End of a Job Interview</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-you-must-learn-about-the-company-before-your-job-interview">5 Things You Must Learn About the Company Before Your Job Interview</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/weird-job-interview-questions-and-how-to-answer-them">Weird Job Interview Questions (and How to Answer Them)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Job Hunting best money tips interview questions Tue, 04 Feb 2014 11:00:10 +0000 Ashley Jacobs 1123497 at http://www.wisebread.com Best Money Tips: Questions to Ask When Buying a Used Car http://www.wisebread.com/best-money-tips-questions-to-ask-when-buying-a-used-car <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-questions-to-ask-when-buying-a-used-car" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/car-4960033-small.jpg" alt="car" title="car" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some fantastic articles on questions to ask when buying a used car, summer fun for frugalists, and resume tips and tricks.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.savvysugar.com/Questions-Ask-Used-Car-Seller-31000145">8 Questions to Ask When Buying a Used Car</a> &mdash; When buying a used car, be sure to ask for an accident record and maintenance records. [PopSugar Smart Living]</p> <p><a href="http://www.fivecentnickel.com/2013/07/15/free-or-cheap-summer-fun-for-frugalists/">Free or cheap summer fun for frugalists</a> &mdash; To have fun, frugalists can take advantage of $1 and $5 movies or learn a skill with a free workshop. [Five Cent Nickel]</p> <p><a href="http://www.freemoneyfinance.com/2013/07/resume-tips-and-tricks.html">Resume Tips and Tricks</a> &mdash; An excellent resume needs to be searchable, easy to read, and quantitative. [Free Money Finance]</p> <p><a href="http://www.thesimpledollar.com/2013/07/17/starting-the-school-year-the-frugal-way/">Starting the School Year the Frugal Way</a> &mdash; Before you head to the store to buy school supplies, search your home for the supplies your child will need. [The Simple Dollar]</p> <p><a href="http://www.greenpandatreehouse.com/2013/07/how-far-would-you-go-to-pay-off-student-loans/">How Far Would You Go to Pay Off Student Loans?</a> &mdash; Pay off your student loans by working during the summer or applying for programs with work terms. [Green Panda Treehouse]</p> <h2>Other Essential Reading</h2> <p><a href="http://money.usnews.com/money/careers/articles/2013/07/18/10-things-they-dont-tell-you-about-your-first-internship">10 Things They Don't Tell You About Your First Internship</a> &mdash; When you start your first internship, no one really tells you that work casual and campus casual are not the same thing. [US News &amp; World Report]</p> <p><a href="http://www.carefulcents.com/be-a-full-time-blogger/">How to Be a Successful Full-Time Blogger in 6 Months</a> &mdash; If you want to be a full-time blogger, start by assessing your ability to work alone. [Careful Cents]</p> <p><a href="http://www.freemoneywisdom.com/three-tips-for-new-landlords-2/">3 Tips for New Landlords</a> &mdash; New landlords should make sure to have insurance and tenant agreements. [Free Money Wisdom]</p> <p><a href="http://www.getrichslowly.org/blog/2013/07/16/is-there-morality-in-personal-finance/">Is there morality in personal finance?</a> &mdash; Personal finance can teach you the importance of taking responsibility for your actions. [Get Rich Slowly]</p> <p><a href="http://parentingsquad.com/3-good-reasons-to-let-your-kids-be-bored">3 Good Reasons to Let Your Kids be Bored</a> &mdash; Allowing your kids to be bored promotes creativity. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-questions-to-ask-when-buying-a-used-car">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dead-car-battery-give-it-a-glass-of-red-wine">Dead car battery? Give it a glass of red wine.</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/my-car-payments-are-too-much-what-should-i-do">My car payments are too much! What should I do?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-tell-if-a-car-service-plan-is-worth-it">How to Tell If a Car Service Plan Is Worth It</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-you-should-always-buy-used">8 Things You Should Always Buy Used</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-earn-extra-money-with-your-car">7 Ways to Earn Extra Money With Your Car</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation best money tips buying car questions used Fri, 19 Jul 2013 10:00:31 +0000 Ashley Jacobs 980708 at http://www.wisebread.com Best Money Tips: Questions to Ask Yourself Before You Buy Something http://www.wisebread.com/best-money-tips-questions-to-ask-yourself-before-you-buy-something <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-questions-to-ask-yourself-before-you-buy-something" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/street_shopping.jpg" alt="Women shopping from a street vendor" title="Women shopping from a street vendor" class="imagecache imagecache-250w" width="250" height="169" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some fantastic articles on questions to ask yourself before you buy something, selling on Craigslist, and food and vacation.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.goodfinancialcents.com/5-questions-to-ask-yourself-before-you-buy-something/">5 Questions to Ask Yourself Before You Buy Something</a> &mdash; Before you buy something, ask yourself how often you will use it. [Good Financial Cents]</p> <p><a href="http://lifehacker.com/5915608/how-can-i-avoid-getting-screwed-when-selling-on-craigslist">How Can I Avoid Getting Screwed When Selling on Craigslist?</a> &mdash; To avoid getting screwed when selling on Craigslist, only accept cash and steer clear of scam emails. [Lifehacker]</p> <p><a href="http://www.thesimpledollar.com/2012/06/05/food-and-vacation/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+thesimpledollar+%28The+Simple+Dollar%29">Food and Vacation</a> &mdash; Save money on food when on vacation by visiting a grocery store upon arrival at your destination. [The Simple Dollar]</p> <p><a href="http://moneylicious.org/3-steps-women-should-take-toward-retirement/">3 Steps Women Should Take Towards Retirement</a> &mdash; Take a step towards retirement by being smart and paying yourself first! [Moneylicious]</p> <p><a href="http://christianpf.com/ways-to-uncover-local-job-openings/">3 Creative Ways to Uncover Local Job Openings</a> &mdash; To find local job openings, stay up to date on the local job market with WatchThatPage.com. [Chrisitan PF]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.freemoneyfinance.com/2012/06/the-52-best-money-saving-tips.html">The 52 Best Money Saving Tips</a> &mdash; Save money by canceling your subscriptions. [Free Money Finance]</p> <p><a href="http://parentingsquad.com/simple-summer-baby-shower-ideas">Simple Summer Baby Shower Ideas</a> &mdash; When throwing a baby shower this summer, consider throwing a pool-themed shower. [Parenting Squad]</p> <p><a href="http://deliverawaydebt.com/how-to/how-to-set-up-a-car-maintenance-plan-and-budget/">How To Set Up a Car Maintenance Plan &amp; Budget</a> &mdash; Create a car maintenance plan and budget by identifying what services your car will need at certain mileage milestones, then guestimating how much each service will cost. [Deliver Away Debt]</p> <p><a href="http://www.consumerismcommentary.com/stop-facebook-from-using-your-information-for-advertising/">Stop Facebook From Using Your Information For Advertising</a> &mdash; Did you know that if you &quot;like&quot; anything on Facebook that correlates with a Facebook advertiser, your picture may be seen in sponsored items from that advertiser? [Consumerism Commentary]</p> <p><a href="http://www.savvysugar.com/Uses-Old-Books-23418154">21 Uses For Old Books</a> &mdash; Use your old books to make notebook covers or table runners. [SavvySugar]</p> <h2>News &amp; Events</h2> <p><a href="http://www.wisebread.com/top-100-most-popular-personal-finance-blogs/news/2012/05/get-rich-slowlys-moolah-tweetchat">Get Rich Slowly's #moolah Tweetchat</a> &mdash; Don't miss Get Rich Slowly's #moolah tweetchat at 4pm PST!</p> <p>Be sure to check out our <a href="http://www.wisebread.com/top-100-most-popular-personal-finance-blogs/news">News &amp; Events Calendar</a> to see all the awesome upcoming events in the personal finance world!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-questions-to-ask-yourself-before-you-buy-something">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-7-dumbest-big-purchases-people-make">The 7 Dumbest Big Purchases People Make</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/do-not-buy-something-just-because-you-can-afford-it">Do not buy something just because you can afford it</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-travel-adapters">The 5 Best Travel Adapters</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-luggage-scales">The 5 Best Luggage Scales</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-anti-itch-creams">The 5 Best Anti-Itch Creams</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping best money tips buying questions shopping Wed, 06 Jun 2012 10:00:17 +0000 Ashley Jacobs 933908 at http://www.wisebread.com