How Do Bank Loans Work?

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How Do Bank Loans Work?
Bank loans work similarly to personal loans you get from online lenders: After you apply, the bank will review your credit score, history and income to determine how much money to loan you and what annual percentage rate you qualify for. Once you get the loan, you’ll pay it back in monthly installments. Bank loan... Annie Millerbernd is a writer at NerdWallet. Email: amillerbernd@nerdwallet.com. The article How Do Bank Loans Work? originally appeared on NerdWallet. [...]
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Stay-at-Home Parents: Here are 10 Side Gigs You Can Do With Kids in Tow

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Stay-at-Home Parents: Here are 10 Side Gigs You Can Do With Kids in Tow
Stay-at-home parents have ALL the free time… …Said no one who ever actually stayed at home with their kids. Commanding the homefront is a job with a capital J. And yet, during those hours at home while the kids are playing in the sprinkler, watching cartoons or — heaven bless them — napping, parents often feel like they could be doing something productive. Lucrative even. We hear you, frazzled moms and dads. Here are 10 ways to make money as a stay-at-home parent that you can squeeze in between trips to the playground and running laundry.  Your time is worth a lot, but toddlers don’t pay. These gigs do. 10 Ways to Make Money as a Stay-at-Home Parent 1. Make and sell stuff online Let’s get one thing out of the way: Etsy is not a set-it-and-forget-it type of website. Compared to other online marketplaces, Etsy takes some work. But that hard work can pay off as a profitable side business. And if you’re already inclined toward making crafts or spotting cool vintage finds, Etsy is the ideal marketplace for those one-of-a-kinds. Read our complete guide to selling on Etsy to help you get started. Not the crafty type? You can still make a handsome sum selling through Fulfillment by Amazon. A lot of Amazon sellers are private-label businesses that buy generic products from abroad, brand and pack them, then send them off to Amazon, which does the rest for you. 2. Work on Mechanical Turk Speaking of Amazon, the online retail giant’s Mechanical Turk platform lets you complete small tasks online for a price. According to Michael Naab, who wrote our guide (and a book) on making money with Mechanical Turk, you can expect to earn around $6 to $12 an hour doing Human Intelligence Tasks (HITs) on the platform. HITs range anywhere from completing surveys to Excel spreadsheet tasks to audio transcription. 3. Be an online tutor Tutoring has become a prime opportunity for anyone who wants to work from home. Online tutoring companies abound, and there’s often a lot of flexibility around when and how many hours you want to devote. Consider signing on with one of these nine companies and earn money tutoring during the kids’ swim lessons or playgroup. 4. Teach English Online Interested in more teaching opportunities? To fill the demand for English around the world, many companies hire native English speakers to run classes online. In most cases, online teachers can set their own schedules and earn up to $25 an hour. To meet baseline qualifications, all you need is English fluency, a high school diploma and a computer with a high-speed internet connection. Ready to get started? Here are seven legit sites that will pay you to teach English online. 5. Write for a parenting blog You’re already a subject-matter expert in the care and feeding of small humans. Get paid for hard-earned that knowledge by writing for a parenting blog or magazine. 6. Babysit other people’s babies You’re already watching your own kids. You’ve got your house stocked with crafts and snacks and all the outlets are child-proofed. It’s not a new idea for stay-at-home parents to take in other charges, but now there are plenty of sites to connect you to potential clients. For starters, check out Care.com and Sittercity to create a free membership. 7. Babysit fur babies A cardinal rule of staying at home with kids: Get out of the house. While you’re running errands and hitting the library, build in some paying work as a pet sitter or dog-walker. As you might have guessed, there’s an app (or six) for that. FROM THE MAKE MONEY FORUM FlexJobs 9/27/19 @ 5:43 PM s work at home 4/3/19 @ 9:26 PM Shortage in Budget 9/26/19 @ 1:16 PM SSDI Isn't Enough To Make Ends Meet 9/25/19 @ 10:38 AM See more in Make Money or ask a money question 8. Sell home-baked goods Even if you’re not a bona fide pastry chef, there’s money to be made whipping up specialty goodies the rest of the world doesn’t have the motivation to create. We talked to two people with home-baking side businesses about how they found a sweet spot. 9. Rent out your baby gear Strollers, car seats, high chairs, play pens — these are the tools of the stay-at-home parenting trade. They’re expensive and they take up a lot of space in your life. Now there are apps that let you rent out your baby gear to other families in your city and get a little return on those big investments. 10. Check The Penny Hoarder’s Work-From-Home jobs portal If you’re looking for a real job you can do from home, or even if you just want to browse what opportunities are out there, check in regularly with our Work-From-Home Jobs Portal, which is updated regularly with new postings. Many of them can be done from anywhere. Molly Moorhead is a senior editor at The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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SEC Division of Corporation Finance Issues C&DIs Regarding Inline XBRL

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SEC Division of Corporation Finance Issues C&DIs Regarding Inline XBRL
On August 20, the staff of the Division of Corporation Finance (the staff) of the Securities and Exchange Commission released several new Compliance and Disclosure Interpretations (C&DIs) relating to interactive data/eXtensible Business Reporting Language (XBRL), with a focus on items relating to Inline XBRL format requirements. Inline XBRL requires registrants to embed their XBRL directly into the main filing as opposed to providing a separate accompanying XBRL file. As a reminder, the requirement to provide Inline XBRL is currently being phased-in for registrants on the following schedule: Filer Status Compliance Date Large accelerated filers reporting using US GAAP Beginning with fiscal periods ending on or after June 15, 2019 Accelerated filers reporting using US GAAP Beginning with fiscal periods ending on or after June 15, 2020 All other filers Beginning with fiscal periods ending on or after June 15, 2021 A US domestic form filer is not, however, required to comply with the Inline XBRL requirements for any form other than Form 10-Q until the filing of its first Form 10-Q after the applicable phase-in date. Additionally, once subject to the Inline XBRL requirements, a registrant also will be required to include Cover Page XBRL tagging, pursuant to Rule 406 of Regulation S-T, for any filings on Forms 10-K, 10-Q, 8-K, 20-F and 40-F. C&DI 101.01 Beginning with new C&DI 101.01, the staff clarified how Inline XBRL should appear in the exhibit index of filings. Interactive Data Files, including Inline XBRL, should appear as exhibit 101 and Cover Page XBRL should appear as exhibit 104. When Inline XBRL is used, the word “Inline” should appear within the title description for the exhibit. Cover Page XBRL files, which are required to be filed as exhibit 104, should be included with other XBRL files as exhibit 101, with exhibit 104 cross referencing to the exhibit 101 file. C&DI 101.02 The staff confirmed that registrants that voluntarily submit Inline XBRL prior to the applicable compliance date are not required to comply with the Cover Page XBRL tagging requirements. Cover Page tagging is only applicable to registrants “required” to submit Inline XBRL. C&DI 101.03 Inline XBRL and the related Cover Page XBRL requires tagging the cover pages of Forms 10-K, 10-Q, 8-K, 20-F and 40-F. Now, following the applicable phase-in period, all Form 8-K filings will require Cover Page XBRL tagging, even if the filing does not include financial statements for which XBRL data is required. C&DI 101.04 The requirement noted above to list Cover Page XBRL as exhibit 104 also applies in the case of Form 8-Ks. However, the staff will not object if registrants exclude an exhibit index from a Form 8-K filing if the exhibit index would be included solely to identify Cover Page XBRL. C&DI 101.05 The staff notes that Cover Page XBRL tagging will require a registrant to tag its company name using Inline XBRL. A company’s name, as it appears on the cover page of a filing, may differ from its name as it appears in the Electronic Data Gathering, Analysis, and Retrieval (EDGAR) filing system, and for the most part, such differences will not prevent the filing from being accepted and disseminated. The staff notes that in rare cases such variations may result in a notice of suspension for the filing (in which case the registrant should contact EDGAR Filer Technical Support). Filers should use this as an opportunity to review the way their company name appears in the EDGAR filing system and ensure it matches the company name as it appears on the cover page of SEC filings. Others — Timing Registrants that voluntarily submit Inline XBRL prior to the applicable compliance date may cease such voluntary Inline XBRL submissions until the applicable compliance date. [C&DI 101.06]. US domestic form filers are required to comply with Inline XBRL beginning with their first Form 10-Q after the applicable compliance date, not necessarily the first filing after the compliance date. Where a Form 8-K is filed earlier on the same day as such first Form 10-Q filing, Inline XBRL will not be required for the Form 8-K. [C&DI 101.07]. Others — Foreign Private Issuers Foreign private issuers that prepare financial statements in accordance with US GAAP are required to comply with the Inline XBRL requirements based on filer status (large accelerated filer, accelerated filer, etc.) as set forth in the compliance phase-in schedule above. Foreign private issuers that prepare financial statements in accordance with IFRS will be required to comply with Inline XBRL for fiscal periods ending on or after June 15, 2021. [C&DI 101.08]. Filers using Form 20-F and Form 40-F, which have no quarterly filing obligations, will be required to comply with Inline XBRL beginning with the first filing on a form for which Inline XBRL is required after the applicable compliance date. [C&DI 101.09]. The complete text of the new C&DIs is available here. [...]
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What Is Medicare?

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What Is Medicare?
Medicare is the government health care program for people 65 and over, and its coverage plays an important role in containing medical costs as you age. But Medicare benefits don’t pay for everything. As you approach age 65, you’ll need to decide how to deal with some of those coverage gaps. For now, knowing the... Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. The article What Is Medicare? originally appeared on NerdWallet. [...]
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