Can I Apply for an O-1 Visa If I Don't Get an H-1B?

A: Individuals who are eligible for H-1B temporary worker visas, but failed to secure one could receive an O-1 visa instead. It all depends on whether the individual applying meets the more stringent requirements and can make a solid case for why they should be permitted to enter the country.What Is an O-1 Visa?The O-1 nonimmigrant visa is for individuals with &q...

Can you use your Walmart credit card at Sam's Club?

A: Consumers can use their Walmart credit cards to shop at Sam's Club and to make purchases at Sam's Club gas stations. However, they cannot use their Walmart credit cards when they shop online at SamsClub.com.Payments Accepted at Sam's ClubIn addition to the Walmart credit card, Sam's Club also accepts Sam's Club Credit, Walmart and Sam's club shopping/gift cards, cas...

Do I still owe debt collectors for a debt that's past the statute of limitations for my state?

A: Learn what a statute of limitations on debt actually limits; that is, what activity or action can no longer justify legal proceedings in court. In all cases, a statute of limitations on debt only refers to the ability of creditors to bring a debtor to court for violating the terms of the credit agreement; the statute does not limit the ability of the creditor to attempt to collect on the debt n...

Is my husband's ex-spouse entitled to receive my spouse's retirement benefits?

A: The rules vary among retirement benefits. In some cases, because you are the current spouse, you will be treated as the beneficiary by default. This would be so even if your spouse named someone else as the beneficiary. However, a named beneficiary may challenge the default provisions, resulting in costly legal fees and a delay in your receipt of the inherited assets.To clear up any doubts, you...

What does it mean when interest 'accrues daily?'

A: In financial terminology, "accrues" means the same thing as "accumulates." Interest is considered accrued when it is added to the balance on the account. Interest accrues on loans, such as a mortgage, on savings accounts and on investments.Interest can accrue on any time schedule; common periods include daily, monthly and annually. Daily accrual, for example, means interest ...

What is the difference between a 'nostro' and a 'vostro' account?

A: "Nostro" and "vostro" are two different terms used to describe the same bank account. The terms are used when one bank has another bank's money on deposit, typically in relation to international trading or other financial transactions.Bank Account BreakdownBoth banks in the venture must record the amount of money being stored by one bank on behalf of the o...

What's considered a good debt-to-income (DTI) ratio?

A: A debt-to-income ratio (DTI) is a personal finance measure that compares the amount of debt you have to your overall income. Lenders, including issuers of mortgages, use it as a way to measure your ability to manage the payments you make each month and repay the money you have borrowed. Expressed as a percentage, a debt-to-income ratio is calculated by dividing total recurring monthly debt...

What's the average hourly wage of waiters and bartenders before tips

A: As of 2015, the federal minimum average hourly wage for waiters and bartenders is $2.13 per hour before tip income is included. However, individual states are free to enact laws that raise the minimum wage above the federal level and 44 states have done this in some capacity. Thus, hourly pre-tip wages vary from a minimum of $2.13 per hour in states such as Georgia and Tennessee to $9.47 per ho...

What's the average salary for a finance major?

A: As of 2014, the average starting salary for someone with a finance degree is $57,300. This figure makes a finance degree the eighth most valuable college degree and the only one associated with high entry-level pay rates not in a tech field.The amount earned from a finance career varies based on which type of position is pursued. For example, a financial analyst with a finance degree is li...

What's the average salary of a bank teller?

The Bureau of Labor Statistics' Occupational Outlook Handbook states that in 2012, the median wage for a bank teller was $11.99 per hour, which equates to an average salary of $24,940 per year. The number of people employed in bank teller finance career positions is not expected to vary by more than 1% between 2012 and 2022; however, bank teller job prospects were considered excellent, because...

What's the average salary of a loan officer?

A: Loan officers review loan applications and analyze an applicant's finances to determine who is eligible for a loan, but they also educate consumers on loans, verify financial information and contact individuals and companies to see if they want to apply for a loan.The median yearly salary for a loan officer in 2016 was $76,260 per year or the equivalent of $36.67 per hour. According to the ...

What's the best way to finance a car?

A: Generally, a loan from a bank or automobile dealer is the best way to finance a car purchase. However, paying in cash may be the better option.Self-FinancingThis is a fancy way to say paying in cash. As of August 2016, interest rates are low, so money sitting in the bank is not likely earning anything substantial. If the opportunity cost of that money is low and you plan on buying a new car, it...

What's the difference between a bank guarantee and a letter of credit?

A: A bank guarantee and a letter of credit are similar in many ways but they're two different things. Letters of credit ensure a transaction proceeds as planned, while bank guarantees reduce the loss if the transaction doesn't go as planned.A letter of credit , sometimes referred to as a documentary credit, acts as a promissory note from a financial institution, usually a bank or...

What's the difference between a credit rating agency and a credit bureau?

A: It is easy to get credit bureaus and credit rating agencies confused, especially since credit bureaus are sometimes called "credit reporting agencies." To distinguish between the separate purposes of credit rating agencies and credit bureaus, it is useful to look at the type of credit interactions that each involves and how the two report on creditworthiness.What Is a Credit Rating Ag...

What's the difference between a grace period and a deferment?

A: The major difference between a grace period and a deferment is when a borrower qualifies for each delayed payment option on any given loan. A grace period is a time period automatically granted on a loan where the borrower does not have to pay the issuer any monies toward the loan, and the borrower does not incur any penalties for not paying. Deferments are also time periods...

What's the difference between a grace period and a moratorium period?

A: A grace period falls between the time when a credit card billing cycle ends and when the payment is due. This grace period is an interest-free time frame that gives you several days to pay before the lender begins charging interest on the balance for that month. You won’t be charged interest on the part of the balance that is paid during the grace period. Grace periods are...

What's the difference between credit reports and investigative consumer reports?

A: Investigative consumer reports receive a lot less notoriety than consumer credit reports, probably because you are far more likely to have your credit report pulled than to have a full-blown investigative consumer report performed about you. There are some major similarities between these two types of reports; both are an evaluation of your individual risk profile, they are performed by employe...

What's the difference between debt consolidation and debt settlement?

A: Debt consolidation and debt settlement are both financial strategies for improving personal debt load, but they function quite differently and are used to resolve different issues. At a very basic level, debt settlement is useful for reducing the total amount of debt owed, while debt consolidation is useful for reducing the total number of creditors to whom you owe debt. It is possible to recei...

Who are Nordstrom's (JWN) main competitors?

A: Nordstrom (JWN) is a high-end retail sales department store offering fashion, shoes and accessories for men, women and children. A smaller portion of Nordstrom's revenue is generated by use of Nordstrom brand VISA credit cards. The retailer brings these two business segments together by building customer loyalty and increasing revenue with credit card offerings.Nordstrom has notable competi...

Why doesn't Credit Karma offer FICO scores?

A: Credit Karma provides accurate and up-to-date information about your credit score and report, but it does not offer FICO scores. The credit scores on Credit Karma come from TransUnion (NYSE: TRU) and Equifax Inc. (NYSE: EFX), which represent two of the three major credit bureaus. These sources are the same ones FICO uses to gather information for its proprietary algorithm.How Credit Karma Works...

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