A look at some of the best free investment advisors
finance

A look at some of the best free investment advisors

As a beginner investor, investing too much money at the start can be quite difficult and overwhelming. However, if you choose the right brokerage account, you can earn a lot back from it in terms of investment knowledge. So if you are looking for the best cost-free investment advisors to provide you with long-term portfolio management services, then you have come to the right place. Here is our collated list: Interactive Brokers Investment Brokers has an entity known as IBKR Lite, which offers commission-free trading on various commodities. It mainly covers exchange-listed stocks as well as exchange-traded funds (ETFs). It also offers low-priced access to various global markets without any account minimum or inactivity fee. Additionally, it offers the best competitive interest rates, while its client portal, which offers trading and account management services, is highly preferred by users. One of the most notable points is that IBKR Lite has been around for over 40 years, having earned the trust of a vast client base. You Invest by JP Morgan Chase You Invest Trade, offered by JP Morgan Chase, is one of the best low-cost investment advisors. It is complete with a range of commission-free ETFs and stocks that can be traded online.
Reverse mortgage eligibility and its criteria
finance

Reverse mortgage eligibility and its criteria

As you approach retirement, most of your money has been invested in your home. A reverse mortgage is an excellent way to tap into your home’s equity. If you have paid off a home loan or have only a small amount to be paid, it is a good option to meet various financial goals. Here are the criteria for reverse mortgage eligibility: Personal criteria Age You must be 62 years or older, to apply for a reverse mortgage. Generally, as you grow older the Home Equity Conversion Mortgage (HECM) amount increases. Property The home should be your primary residence, and you need to live there for the entire duration of the reverse mortgage. Rental properties and vacation homes do not qualify for such mortgages. Home equity You should be the owner of your home outright or possess a minimum of 50% home equity. There is a possibility that you may qualify for a reverse mortgage despite having some outstanding balance on your existing home loan. However, the criterion is that you must first pay off the remaining mortgage from the sanctioned amount and meet other liens. The balance funds may be used for any other purpose. Using a reverse mortgage to refinance existing debt is beneficial in reducing your monthly cash outflows.
Top 10 debt settlement companies to consider
finance

Top 10 debt settlement companies to consider

A lot of people get stuck in debt due to many reasons. The interest rates keep adding up, taking a toll on an individual’s financial stability. In such a case, debt settlement can be quite helpful if you wish to settle a large amount. Here is a list of top 10 debt settlement companies that you can consider to help ease the burden off your shoulders. National Debt Relief National Debt Relief has the most detailed insights on their website that can help you with debt settlement. It talks about the debt qualification, the amount of money you need to pay for enrolments as well as the debt relief services that they offer. The average savings after the fees is around 30%. CreditAssociates This particular company is known for helping clients with the elimination of debt. They undertake this entire process between twenty-four to thirty-six months. They use enhanced software, and the outstanding expertise of their team to help their clients with great debt negotiation services. Pacific Debt Inc This is one of the top 10 debt settlement companies that you can consider. You need to have a minimum of $10,000 in debt to avail their services. They offer an affordable monthly program/plan with payment as well as upfront fees.
6 top business credit card companies
finance

6 top business credit card companies

The right business credit card can help you save thousands of dollars. Business accounts can earn more rewards like discounts, hotel stays, and cashback offers. You may also use these cards to meet short-term financial requirements. In case you haven’t applied for one yet, you must check out 6 of the top business credit cards that you can apply for to make your life easier. American Express Blue Business® Plus Card This is an ideal business credit card offered by one of the leading credit card companies and does not levy any annual fees. You receive twice the Membership Reward ® points upto $50,000 with no category restrictions, which reduces to 1% thereafter. The cashback earned automatically gets credited in your statement. The regular APR on this card is 13.24% to 19.24% variable. CitiBusiness® AAdvantage® Platinum Select ® MasterCard® This is an excellent option if you undertake frequent business travel with American Airlines. You earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Additionally, the card offers 2 AAdvantage® miles for every dollar spent on telecommunications, fuel, car rental, and cable and satellite services. All other purchases earn you one mile for every dollar spent. The annual fee is $99 (waived in the first year) and regular APR varies between 15.99% and 24.99%.
Top 6 NNN properties for sale in the country
finance

Top 6 NNN properties for sale in the country

NNN properties are known as triple net lease properties and can be categorized as single-tenant properties that are available for lease. In these properties, the maintenance fees, taxes, and insurance have to be paid by the lessee instead of the landlord. These costs have to be borne by the lessee in addition to the rent. Here are some of the top NNN properties for sale: 7-Eleven, Texas There are plenty of 7-Eleven properties that come under the category of NNN properties. This one is our top pick at the moment, as it serves two commodities that are always in demand: gas and foods. The property is on the 3601 West Freeway in Fort Worth, Texas, making it quite a hot spot for sale. The current annual rent for this property is $267,500, while the cap rate is 5.75%. Burger King, Florida Burger King is one of the country’s favorite fast-food chains. The current annual rent for this property is about $140,000, and the cap rate is 5.15%. This property was built quite recently as compared to the other options on our list, and it has the potential of providing good returns quickly, as it is in a strategic location on SW Port St.
6 high dividend ETF funds you can invest in
finance

6 high dividend ETF funds you can invest in

Before you search for the best dividend exchange-traded funds (ETFs), it is recommended you understand your needs and overall investment objectives. ETFs are hybrids of mutual funds and stocks. When you invest in the ETF, you purchase shares in the fund, which buys the underlying asset. Here are six of the best high-dividend ETF funds: Vanguard High Dividend Yield (VYM) This ETF adopts the simple method of choosing stocks that have higher dividend yield when compared to other companies. This has resulted in building a diversified portfolio comprising 400 stocks with higher market capitalization. The majority of these stocks belong to the healthcare, consumer, and financial sectors. During the last decade, VYM delivered average annual returns of 12.9%. The expense ratio is the lowest in the industry at 0.06% per annum. Vanguard Dividend Appreciation (VIG) The ETF focuses on investing in companies that have a long history of increasing their dividend payouts over the years. The portfolio includes approximately 180 stocks with low yields. The ETF has earned average returns of 12.6% per year over the last 10 years. The expense ratio is 0.06%, which makes it an excellent option if you do not mind lower dividend returns currently but want to earn more in the future.
Top 5 providers for automated investments
finance

Top 5 providers for automated investments

Roboadvisors are gaining popularity as these investment programs offer affordable financial advice to a large number of investors. These automated advisors use an algorithm to recommend investment options that best suit your requirements. The best automated investing algorithms offer simple account setup, portfolio management, low fees, strong goal planning, and security. Here are the top five providers of automated investments. Betterment This roboadvisor is the best for delivering top-quality services. You may sync various financial accounts without investing to gain an overall picture of your investment portfolio. You may choose the pre-built Betterment portfolios or customize one to meet your needs. The algorithm gives you the flexibility to add new goals as required while monitoring your progress without any difficulties. The advisor charges between 0.25% and 0.4% management fees with no minimum account requirement. Wealthfront It is one of the largest Robo-advisors and provides goal-based investing enabling you to understand the future effects of your financial decisions. You may choose from a wide range of portfolios that comprise individual stocks to meet your financial goals. Once your portfolio accumulates USD 25,000, Wealthfront allows you to borrow against its value. The service provider also offers margin lending. The management fee for most accounts is 0.25% and you need an account minimum of USD 500.
Top 5 retirement investment funds for your portfolio
finance

Top 5 retirement investment funds for your portfolio

Most people work for decades so that they can make investments and collect sufficient funds for their retirement years. Having enough savings for the golden years is ideally the most significant goal for you as an investor, but the volatile market may make it difficult to understand which retirement funds are suitable for you. To help you out, here are the best retirement investments that you can include in your portfolio: Vanguard Target Retirement 2035 Fund This retirement fund is created for investors who want to retire early so that they can enjoy the benefits of their investment within 15 years. However, even if you don’t want to retire that early, this fund has various offerings that make it one of the best retirement investments available in the market. As of now, this retirement fund offers a current yield of over 2%, and the expense ratio is 0.14%. Plus, Vanguard is quite a trusted name for keeping your money safe. Northern Global Tactical Asset Allocation Fund This fund offers one of the best diversifications and a lot more protection in case the fund underperforms. So, it invests in mutual funds and exchange-traded funds and aims to provide long-term capital appreciation at an expense ratio of 0.58%.
Top 5 capital providers for your business
finance

Top 5 capital providers for your business

People who wish to set up their business ventures need additional funding to get going. Many banks and financial institutions help promising businesses with the same and in this article, we would be covering guaranteed business loan providers. You can check the following list out when looking for business loan providers. Wells Fargo Wells Fargo is one of the best financial institutions when it comes to guaranteed business loan providers in the market. It offers various other financial products. It claims to be a leader when it comes to small business loans. The unsecured business loan has varied loan amounts starting from $10,000 and going up to $100,000. The term for this product is between one to five years. Additionally, you can go for other loans offered by Wells Fargo, such as the Equipment Express Loan or the Advancing Term Loan. Capital One Capital One does not only offer good deals on business credit cards, its business loan is worth considering too. If you are looking at a funding source that can help expand your business or get going with the operations, then we highly recommend you to choose the business loan offered by Capital One. Starting at a minimal amount of $10,000 and a maximum term length of 5 years, the repayment term is simple and can be done on a monthly basis.
All you need to know about home insurance policy
finance

All you need to know about home insurance policy

Buying a home comes with a lot of responsibilities. There are a lot of risks that come with owning a home like the risk of theft and property damage. Investing in the right kind of home insurance policy is important so as to be financially prepared for these risks. There are several different companies in the market that offer home insurance policies with different kinds of terms and coverages. Remember the following points before choosing a home insurance policy. Explore your options As mentioned earlier, there is a wide variety of home insurance policies available to homeowners at this time. When selecting one, it is important to consider factors like what potential risks are being covered in the policy. It is also important to consider the company’s record in your area, whether they are reliable as insurance providers, and their response time. Ask about discounts Home insurance policy in 2021 offers additional services and discounts. They may offer discounts on additional safety installment services such as installing an alarm system, smoke alarm, or better locks. There may also be certain offers for old and retired personnel as well as some discounts for policies when taken via your employer’s or organization’s reference.

Top Articles

Symptoms, causes, and risks of peptic ulcer
health

Symptoms, causes, and risks of peptic ulcer

Peptic ulcer affects about 4.6 million Americans every year. Peptic ulcer results in open sores forming on the upper portion of the small intestine and the inside lining of the stomach. The first one is known as the duodenal ulcer, and the second type is known as a gastric ulcer. Read on to know more about its symptoms, causes, and risks associated with this condition. Symptoms of peptic ulcer If you feel a burning pain in the stomach, then it can be a sign of peptic ulcers, as it is the most common symptom of the disease. The pain can get worse at night or between meals. The acid in your stomach makes it worse. Other than the pain, some other common symptoms of peptic ulcers include feeling bloated or full, intolerance to fatty food, nausea, and heartburn. Apart from these, the other signs may include: Vomiting with the presence of blood Presence of dark blood in the stool Trouble in breathing Feeling faint Nausea Sudden weight loss Change in appetite Taking acid blockers can relieve the pain temporarily. If it keeps coming back, you need to contact your doctor. Causes of peptic ulcer Stomach conditions may have a variety of causes, which is true for peptic ulcers too.
Heart disease – Symptoms, causes, and risk factors
health

Heart disease – Symptoms, causes, and risk factors

Several diseases are included under the umbrella term of heart diseases and are also called cardiovascular diseases. They lead to the blood vessels becoming narrow or getting blocked, which, in turn, can result in a heart attack or stroke or cause pain in the chest. Other heart conditions affect the heart’s muscle, rhythm, or valve. Symptoms The symptoms vary according to the condition diagnosed. The symptoms of common cardiovascular diseases are discussed below. Symptoms of atherosclerotic disease Pain in the chest or feeling a sense of tightness or discomfort in the area Shortness of breath Limbs feeling numb or severely cold if the blood vessels have narrowed in the area, as it affects blood circulation Pain in the jaw, back, upper abdomen, or neck Symptoms of abnormality in the heartbeat or arrhythmia Fluttering sensation in the chest Racing or slow heartbeat Discomfort or pain in the chest Feeling dizzy or fainting Light-headedness Symptoms of heart defects or related conditions Skin color turning blue or pale gray Abdominal swelling or swelling in the area surrounding the eyes Shortness of breath while feedings in case of an infant Symptoms of dilated cardiomyopathy Breathlessness Swelling in the legs, feet, and ankles Feeling a sense of fatigue and dizziness Irregular heartbeat Symptoms related to heart infections Fever Shortness of breath Feeling weak Change in the heart rhythm Persistent cough Skin rashes Causes The causes vary depending on the type of heart disease one is affected with.
Symptoms, causes, and risk factors of immune system disorder
health

Symptoms, causes, and risk factors of immune system disorder

The immune system is referred to as the defense system that protects the body against different kinds of diseases. The stronger the immune system, the higher will be the chances of the body staying away from diseases. Suffering from immunodeficiency or immune system disorder is a cause of concern and must be immediately addressed. Symptoms Cold hands If the blood vessels suffer from inflammation, it gets difficult for the ears, toes, fingers, and nose to stay warm. The affected portion of the skin turns white. Slowly, the color changes into blue when these areas are further exposed to some cold object or atmosphere. When the flow of the blood becomes normal, the skin turns back to red. Medical experts refer to this as the Raynaud’s phenomenon. It is one of the most commonly observed symptoms of immune system disorder. Dry eyes When a person is suffering from an autoimmune disorder, his immune system, instead of protecting his body against diseases, attacks it. Lupus and rheumatoid arthritis are two of the most common examples of this condition. People who suffer from an autoimmune disorder tend to have dry eyes. The person will feel the presence of some grainy object when this happens.
Common joint conditions and their symptoms and risk factors
health

Common joint conditions and their symptoms and risk factors

Joint conditions are commonly associated with increasing age, but they can also be a result of injuries or may develop due to other medical conditions affecting bone and joint health. Arthritis, a commonly diagnosed joint condition, has over 200 types. Depending on the severity of the disease, these conditions can also affect a patient’s quality of life. Read on to know the symptoms, causes, and factors that increase one’s risk of developing joint conditions. Symptoms of joint conditions The following are some of the symptoms that most joint conditions are accompanied by: Joint stiffness Weakness in the joints Inflammation, swelling, and redness of the affected joint Limping due to pain and stiffness Joint getting locked Tearing of the cartilage Commonly-diagnosed joint conditions and their causes Osteoarthritis This form of arthritis involves the wear-and-tear of the joint’s cartilage, which means the risk of developing this disease elevates with age. The cartilage plays the role of a cushion between the bones in order to prevent friction that can cause damage. Damaged cartilage due to this condition results in the bones losing their protection and clashing, causing pain and restricting movement and flexibility. This usually occurs gradually, but it can also develop suddenly in the case of an infection or injury.
All you need to know about menopause
health

All you need to know about menopause

Menopause marks the end of a woman’s menstrual cycles. It is typically diagnosed after a year of no menstrual periods, but it begins much before that. Menopause occurs in your forties and even fifties, but the average age when it occurs in the US is 51. While it is a natural and biological process, the physical symptoms and the hot flashes may cause disruptions in your sleep and even affect your emotional health in general. There are plenty of treatments available. But, to get started, you need to know what the condition looks and feels like. Here are the symptoms, causes, and complications related to menopause. Symptoms of menopause In the time leading up to menopause, you may experience some common symptoms such as irregularity in periods, dryness in the vagina, as well as hot flashes. Some people also experience chills, sleep problems, mood swings, and night sweats. Weight gain and slowed metabolism are two other symptoms that commonly occur with menopause. Menopausal women may even experience dry skin and thinning hair on a regular basis. However, this is not to say that all women experience these symptoms. Different women go through different issues. Depending on your health in general, you may experience varying levels of symptoms.
Mental health conditions – What you should know
health

Mental health conditions – What you should know

Millions of people live with different types of mental illnesses and health problems. These include obsessive-compulsive disorder, social anxiety, and personality disorders. All of these come under the umbrella of mental health. In this article, we will cover the symptoms, causes, and risk factors of some common mental health disorders such as obsessive-compulsive disorder (OCD), post-traumatic stress disorder (PTSD), and clinical depression to help you understand them better. Symptoms The common symptoms of mental health disorders include: Obsessive-compulsive disorder People with OCD may present the following symptoms: Constant fear of contamination and extra emphasis on cleanliness Signs of hoarding and counting belongings continuously Signs of excessive concern toward personal safety Post-traumatic stress disorder Somebody suffering from PTSD may show the following symptoms: Constantly suffering through intrusive memories Negative patterns in mood and mindset Trying to avoid thinking of the traumatic event Feeling changes in emotional and physical reactions Clinical depression The symptoms of clinical depression include: Being moody and experiencing different emotions, such as aggressiveness, anxiousness, and restlessness Adverse effect on sexual life A decline of cognitive abilities Poor sleep patterns If you notice any of these symptoms, we recommend consulting with a mental health doctor immediately. Causes The common causes of any mental health disorder include the following: