Don’t forget to talk to customer support reps, maintenance technicians, and others who come into direct contact with customers. They are themselves, in effect, users of your existing products. “Disgruntled users who are forced to use a system every day that was designed without ...
Although a four-year undergraduate education is appropriate for some students, it isn't necessarily a good fit for everyone. And some lucrative and interesting jobs don't require a bachelor's degree, says James Rhyu, CEO of Stride, an education company that designs personalized ...
When a taxpayer converts a traditional IRA to a Roth IRA, income taxes are owed on the balance being transferred. It is added to the person's income tax bill for that year.7 Redeeming a U.S. Savings Bond The interest on U.S. savings bonds is subject to federal tax. The taxable eve...
“You are responsible for everything that happens in your classroom. Don’t play the blame game. It’s no one‘s fault but yours when there are music or behavior problems. Figure out the solutions.”— Keith Hancock, music teacher, GRAMMY Music Educator of the Year award-winner ...
It's common for colleges and universities to require one letter of recommendation but allow applicants to submit more if they'd like. But that doesn't always mean you should. Next:Less Is More 5/13 Credit Less Is More One strong letter is better than two or three mediocre letters, say...
Here are some of the common factors that lenders consider: Debt-to-income (DTI ratio): A comparison of your monthly income and debt payments. The more debt you have—housing or otherwise—the higher your income will need to be. Down payment: The less you put down, the more you have ...
On the other hand, some plans will allow you to borrow from the plan for any reason and may not require you to disclose the purpose of the loan. Your employer may have special forms that you must complete in order to request a loan. If you want to request a qualified-plan loan, chec...
SMS, or Short Message Service, is the protocol that cellular phones use to send and receive text messages over a 2G, 3G, 4G, or 5G network. Unlike app-based messaging services, you don't need a data plan to send and receive SMS. ...
In any case, when you happen to have stuff that you no longer want but don't feel like selling and are loathe to throw away, a Buy Nothing group can do a lot of good. That's why Christine Alemany likes her Buy Nothing group in New York City. She says a lot of people leave thin...
Second,does the career you are considering have staying power?Will it be in demand in 20 years?Rapid technological change is disruptive (破坏性的).(3) AWhile many occupations are being taken over by new technology,jobs that require high-level of critical thinking...