An individual retirement account or IRA is, without a doubt, one of the best ways to save for one’s retirement. An IRA is a tax-advantaged account that enables the account holder to save money by investing in financial markets. Nonetheless, with hundreds of options out there, figuring out which account is right for you can get tiresome. So, let’s take a look at the best options out there.
- Betterment
Despite being one of the newer firms in the market, Betterment has created quite a name for itself. This is because they are reliable and help one manage their retirement goals effectively. One can open an account free of cost and pay an annual fee of only 0.25% of their total balance. Moreover, navigating at Betterment is easy because everything is online.
- Fidelity
With no account opening charges and penalty-free withdrawals, Fidelity is one of the best IRA options out there. They offer different types of IRAs, such as traditional, Roth IRA, and rollover IRA. There are also IRA options available for kids who want to start investing and saving early on. Moreover, one can always visit any of Fidelity’s branches across the country.
- Charles Schwab
At Charles Schwab, one gets 24/7 assistance and a number of online tools and resources to ease down investing. They help you understand which account is suitable for you and help you create one accordingly. They have a number of investment options, such as stocks, bonds, and mutual funds. They do not have any required minimum balance or charges for opening the account.
- SoFi
At SoFi, one can speak to any of their financial advisors for free before taking any decision. They offer a variety of different account options one can choose between. Moreover, one can easily open an account online within minutes. One also gets access to various zero-commission investment options such as stocks and bonds.
- Vanguard
Vanguard is one of the best options out there for people who are very conscious about their costs. They offer expense ratios that are 83% lower than the average rate in the industry. They also offer more than 200 commission-free mutual funds for one to invest in. They are also flexible with other investment options, such as stocks, bonds, and ETFs.
-
General liability insurance and its advantages
Read moreConventional terms used by insurance companies to explain their products and services might be baffling and ambiguous, despite the fact that their policy stipulations are almost certainly exhaustive and painstakingly thorough. Given below is a brief essence and the many advantages of a general liability insurance.
General liability insurance is also known as business liability insurance or commercial general liability insurance. This policy supports organizations, be it big or small, in the case of a physical injury or damage to property or harm caused due to improper advertising, in the office premises or because of the business activities.
Vulnerable to a plethora of liabilities, it is pivotal that companies are protected with a general liability insurance to safeguard their interests and assets. For example, when an accident causes harm or even results in the death of an employee, because of a faulty machine the general liability insurance policy owned by the company then helps to pay compensation to the third party.
When there is a need to defend yourself against allegations and claims of harm to a person or property; malicious defamation in oral or written forms; false propaganda or promotion; violation of patents, trademarks, or copyrights; and other such lawsuits, a general liability insurance plays its part in assisting you with the redressals. However, the degree of risk or hazard associated with the kind of business, the volume of business done, and the extent of the reach of the company, all determine the total coverage of the liability insurance policy.
Under general liability insurance, companies are covered for all legal costs including attorney fees and expenses incurred at police stations and courts, protection against a lawsuit, or making payments for settling litigation and medical expenses where necessary. In short, this policy is most beneficial for small companies to keep it functioning steadily by providing financial help, even when faced with unexpected lawsuits.
-
How to prepare for FedEx job interviews
Read moreFedEx includes a wide range of operational businesses like courier and corporate services, which are is handled by a team of over 400,000 employees, spread across the world. Job aspirants can find FedEx jobs in the form of package handlers, drivers, customer service agents, operational managers and as corporate executives as well. Because they have such an extensive international reach, FedEx has a precise hiring process. The application and interview process varies according to the profile. Therefore, it is important that you prepare smartly with the help of apt research.
Package handlers – The job of a package handler, can be part-time or full-time. If you are applying for this position, you might be asked questions about your physical capabilities, schedule and location preferences. By the end of the recruitment procedure, the FedEx hiring executive will carry out necessary background checks and drug assessments.
Customer service agents – While hiring a customer service agent, the most important skills that the FedEx recruiter will look for is excellent communication and problem-solving. Apart from this FedEx managers will observe and evaluate you with respect to listening, agility, and personality. They might ask questions to check your conversational tone, and will also conduct mock or actual customer calls to make a final decision.
Drivers – The job or a courier or a driver is extremely crucial for FedEx, as they are the concluding part of the entire shipping process. FedEx jobs for couriers often have more than two interviews, under which the hiring committee might enquire about their driving experience and also take their communication skills into account. The procedure of delivery can often entail specific kinds of risks like accidents, unsuitable weather, inevitable delays, etc. So, the hiring manager might also question you about making tough calls and time management. Drivers must pass medical and drug assessments before joining. Criminal background checks are mandatory as well.
Managerial or executive jobs – To get such job, you need a strong backing of relevant experience and academic pursuits. Since most administrative jobs require string leadership qualities, your profile will be examined in terms of objectivity, basic knowledge, and organizational abilities. The FedEx jobs for a managerial or executive profile can include departments like human resources, sales, accounting, operations, etc.