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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.
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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.
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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.
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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%.
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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.
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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.
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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.
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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%.
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10 Black Friday Deals on Shoes to Expect in 2023

10 Black Friday Deals on Shoes to Expect in 2023

As the saying goes, “Shoes are like makeup for the feet.” A great pair of shoes is crucial to complete any outfit. To buy the perfect pair, one must consider the types and colors of clothes in one’s wardrobe. With Black Friday 2023 around the corner, many well-known brands will offer significant discounts on trendy footwear. Based on last year’s offerings, here are some expected deals on several categories this shopping season. Running shoes and sneakers Based on the last Black Friday deals, Adidas running shoes and sneakers were offered at discounted prices on several e-commerce websites. For example, the grippy Adidas Ultraboost 22 was offered at 37% off its original price on Zappos, Bloomingdale’s, and the Adidas website. Nike offers a wide range of running shoes with distinct features, including the reputed Pegasus, Alphafly, and Vaporfly shoes. While Pegasus shoes are popularly used as casual sneakers for daily walking, running, or workout activities, Alphafly and Vaporfly offer increased protection to one’s feet. They are ideal for marathon and half-marathon runners. Nike offered up to 60% off on its running shoes, boots, and other shoe types; moreover, one could save 20% extra by using the coupon code “BLACKFRIDAY.” Platforms Platform shoes, sandals, and boots have thick soles and are typically made of cork, rubber, or plastic.
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20 Furniture Deals to Anticipate on Black Friday 2023

20 Furniture Deals to Anticipate on Black Friday 2023

There is nothing more pleasing than a well-furnished home that perfectly integrates aesthetics and utility. However, decorating a home requires considerable prior planning and budgeting, and paying full price for items may be more expensive than it is worth. Annual sales seasons like Black Friday help buyers ensure lucrative discounts on furniture pieces like sofas, beds, and dining tables. With Black Friday 2023 approaching, here are the top furniture deals one can expect this year: Sofa Beds Queer Eye Queer Eye’s futon sofa beds are made of sturdy wood, with faux and soft-leather upholstery. Moreover, its convertible sofa beds can easily recline between the sitting, lounging, and sleeping positions. Last year, Queer Eye’s Liam futons were available for $126 off their original price of $480. Ollie Ollie’s futon sofa beds entail box tufting, and they are a compact option for smaller spaces. The Ollie Futon Sofa Bed was available at 31% off on Wayfair last shopping season and may be offered on sale again this Black Friday. LINSY HOME LINSY HOME’s sleeper sofa beds are lined with memory foam mattresses, which utilize body heat to mold to one’s body shape, preventing back issues and ensuring optimal comfort. These sofas were available for $200 off at Walmart last Black Friday; thus, buyers should be on the lookout for discounts on LINSY HOME sleeper sofas even this year.
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Top 10 Internet Deals to Expect this Black Friday

Top 10 Internet Deals to Expect this Black Friday

From researching topics to paying bills and shopping on e-commerce sites, a maximum number of people rely on the Internet to fulfill their essential daily activities. To aid this, buying home internet plans from reliable companies can help ensure speedy internet connection at affordable rates. And Black Friday allows individuals to avail of lucrative offers on the best internet deals. So, here are some Internet deals one is likely to come across this Black Friday: Internet Deals for Business Today, most industries rely extensively on the Internet to complete business operations. Thus, offices must install a fast and secure internet connection to increase their employees’ productivity. Here are some brands likely to offer business internet deals this year. Verizon Verizon offers premium business internet packages enabling quick, affordable, and reliable internet connection for companies. It entails 5G, Fios, and LTE internet options with distinct package plans and prices. The company is known for offering some of the best internet deals during Black Friday and Cyber Monday. It will likely offer discounts on its business internet deals during Black Friday 2023. AT&T This telecommunications company offers fast-fiber internet service and has built-in backup systems to prevent long outages. With an excellent customer service system, this broadband is ideal to be installed in companies.
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Top 10 Perfume Deals One Can Expect this Black Friday

Top 10 Perfume Deals One Can Expect this Black Friday

Studies have shown that body odor can significantly influence one’s judgment of another person. Thus, smelling good is an integral aspect of dressing up for an occasion. Perfumes and deos help strike the right first impression on various occasions, from romantic dates to important networking events. Several fashion brands offer luxury perfumes curated using ingredients like scented oils, fruits, plants, etc. This Black Friday, one can expect lucrative perfume deals by top brands in the following categories: Eau de Parfum Eau de parfums have higher concentrations of perfume oil than most other types of perfumes. Hence, these perfumes last on one’s skin for the longest periods, i.e., approximately six to eight hours. For this reason, eau de parfums are great choices for elaborate parties, events, and occasions. One can expect Black Friday 2023 deals on eau de parfums by these brands: 1. Chanel offers a wide range of eau de parfum fragrances for women and men, from the classic N°5 Eau de Parfum to the more subtle yet mesmerizing Coco Mademoiselle. The Chanel eau de parfum is currently available at a 5% discount on Amazon. However, considering most popular perfumes go on sale during Black Friday, shoppers may get great deals on Chanel products.
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7 foods that may help manage nasal congestion

7 foods that may help manage nasal congestion

Nasal congestion, also known as a stuffy nose, is a feeling of fullness in the face or nose. Some people may also have fluid dropping out of the nose or down the back of the throat. There are various reasons why one may develop nasal congestion. Based on the cause, experts may recommend treatments to fight the illness. A healthcare professional may also recommend lifestyle changes, such as eating specific foods to relieve nasal congestion. Link with MAC lung disease and COPD Before moving on to healthy foods, one should be mindful of certain health complications that may trigger nasal congestion. MAC lung disease may lead to familiar symptoms like chronic coughs with or without mucus when people breathe in airborne MAC bacteria. Moreover, excessive inflammation in response to irritants is common in COPD, which makes one more susceptible to chronic sinusitis, leading to symptoms such as nasal congestion. Foods that may relieve nasal congestion Here are seven foods to help fight nasal congestion and the conditions that may cause it. Berries This antioxidant-rich food may fight free radicals that trigger chronic sinusitis. Berries also contain vitamins and minerals that may protect the mucus membranes and help avoid congestion. Pineapples The fruit is rich in healthy enzymes that break down the buildup of sinuses and reduce inflammation.
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8 sunscreen mistakes that could harm the skin

8 sunscreen mistakes that could harm the skin

Direct and prolonged exposure to the sun’s harmful UV rays can increase one’s risk of sunburn, premature aging, wrinkles, fine lines, skin damage, or even cancer in extreme cases. When it comes to protecting one’s skin from sun rays, sunscreen is a crucial tool. However, many individuals make common sunscreen application mistakes that can do more harm than good. Here are some mistakes that should be avoided for optimal skin protection: 1. Not reapplying the product Sunscreen’s efficacy diminishes over time and needs to be reapplied regularly, especially if one is spending time outdoors. Failing to reapply every two hours or after swimming, sweating, or towel-drying can lead to sunburn and long-term skin damage. 2. Not using enough sunscreen Many people underestimate the amount of sunscreen needed to provide adequate protection. It’s recommended to coat the skin with at least an ounce of the product to shield the skin effectively, for instance, on a beach day. The Skin Cancer Foundation recommends applying a nickel-sized portion to one’s face on regular days. 3. Neglecting sensitive areas It’s easy to forget those often neglected areas, such as the ears, lips, and the back of the neck. To avoid harm, one should use sunscreen generously on all exposed skin.
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3 buying tips for polycarbonate roof sheets

3 buying tips for polycarbonate roof sheets

Roofing sheets are installed in open areas where the sunlight casts a harsh glare, protecting the area underneath from weather elements. Polycarbonate is a lightweight but durable material, often considered a great alternative to acrylic and Pet G plastics used for mainstream installations. Today, these sheets are manufactured in different color shades and textures suitable for many different installations. Here are three beginner tips to help you make an informed decision shopping for polycarbonate sheets. Buy the right color and texture Polycarbonate sheets are manufactured in different colors to suit a specific build purpose. Depending on the type of use and installation, you must consider various textures like solid sheets, textured sheets, twin wall/multiwall sheets, and corrugated sheets. Transparent sheets allow maximum natural light penetration and protect you from UV rays but are unsuitable if you need privacy. Patterned sheets ensure decent light transmission while also maintaining occupant privacy. Opal-colored sheets reduce the heat buildup by a third of exposure and provide good shade. Bronze-colored sheets reduce glare and increase heat retention due to the tint. Black-colored sheets are entirely opaque, blocking the light and offering complete privacy. Choose the right thickness and size Roofing is a tricky job, even when done by contractors.
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5 credit card mistakes to avoid

5 credit card mistakes to avoid

Today, digital transactions have become the norm. This has made safeguarding one’s financial information all the more important. Sadly, credit card fraud remains a prevalent concern, and numerous victims are falling victim to the evolvingly cunning tactics employed by cybercriminals. One way individuals can safeguard themselves from fraudulent activities is by avoiding some credit card mistakes that leave them susceptible. Avoiding these mistakes can significantly bolster their defenses against potential threats. Neglecting strong password Most individuals prefer using easy-to-use and easy-to-remember passwords to offer them easy access. However, easily guessable passwords such as birthdays and phrases can make things easier for cybercriminals. It is advisable to opt for complex passwords comprising a mixture of upper and lowercase letters, numerals, and special characters to avoid granting them unauthorized access. Regularly changing passwords and employing a password manager can further fortify online security. Disregarding secure websites for transactions Another grave mistake credit card users make that makes them susceptible to fraud is entering their details on unsecured websites. This is one place where cybercriminals exploit vulnerable sites to harvest sensitive data. To mitigate this risk, individuals should only transact on secure websites. Checking for “https://” in the URL and looking for a padlock icon in the address bar are some telltale signs of a secure connection.
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6 signs of ulcerative colitis to look out for

6 signs of ulcerative colitis to look out for

Ulcerative colitis is a chronic inflammatory bowel disease (IBD) that causes inflammation and ulcers in the large intestine. Along with the inner lining of the large intestine, it can also affect the rectum and the colon. The symptoms of ulcerative colitis can be discomforting and lead to severe complications if left untreated. Hence, it is crucial to recognize the signs and symptoms of ulcerative colitis for timely diagnosis and management. Abdominal pain and cramping A common sign of this disease is abdominal pain and cramping. It can range from mild to severe and may come and go, but it is often exacerbated during flare-ups. If a person is experiencing pain in their left side, it may indicate left-sided colitis. Diarrhea Another telltale sign of ulcerative colitis is frequent diarrhea. Also, it is usually followed by an urgent inclination to pass stool. This symptom can be distressing and disruptive to daily life. The diarrhea may also be accompanied by mucus and can increase during a flare-up. Blood in stool The presence of blood in stool is a concerning symptom of ulcerative colitis. This symptom can result from inflammation and ulcers in the colon’s lining. Along with blood, pus and mucus can be present in stools.
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