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A look at some of the best free investment advisors
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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
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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
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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
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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
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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
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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
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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
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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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Things you should know about multiple sclerosis

Things you should know about multiple sclerosis

Multiple sclerosis (MS) is a neurological disorder that affects the central nervous system (CNS). Due to this disorder, your immune system attacks myelin, which is the protective sheath covering the nerve fibers. As a result, communication between your brain and body is hampered. Causes of multiple sclerosis The exact cause of multiple sclerosis is still uncertain. However, some factors that cause this disorder are as follows: Immune system If the immune system is compromised, it may attack the CNS. The myelin protective sheath is affected, thereby disrupting the functioning of your brain, resulting in multiple sclerosis. Infection Certain viruses and bacteria can cause multiple sclerosis. Some viruses cause inflammation that breaks down the myelin, triggering multiple sclerosis. It is possible that brain-cell-like bacteria and viruses can cause the immune system to erroneously identify normal cells as foreign cells, thereby destroying them. Some of the viruses and bacteria that can cause multiple sclerosis include Epstein-Barr virus, measles viruses, and human herpesvirus-6 causing disorders like roseola. Genetics One can be highly susceptible to multiple sclerosis if one has a family history of this disorder. The possibility of one developing this disorder in such instances increases by 2.5% to 5% in the country.
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Top 4 cloud data integration providers

Top 4 cloud data integration providers

As technology gets more advanced, companies that specialize in information technology are taking steps to update their cloud data and data analytics processes. There are companies that provide cloud data integration for the smooth functioning of business operations. Here is a list of the top providers of cloud data integration. Amazon Web Services Amazon Web Services was the first company which provided cloud data integration. The popularity and the stature of the company has grown manifold and it has expanded into providing a wide array of different services to its customers. It made processors based on the Arm technology and soon enough, that became the norm in most companies that specialized in providing cloud data integration. It created a major shift in the cloud storage technology space when it brought out a second-generation Graviton processor. Every year, the company has registered a huge growth in its revenue stream. In the recent past, Amazon Web Services launched the AppFlow, which is aimed at designing SaaS workflows. Microsoft Azure Azure by Microsoft would probably be the most sought after provider of cloud data integration after Amazon Web Services. It is one of the best commercial cloud services offered by the company. Microsoft Azure pitches itself as a service provider of software that one needs to store information.
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5 amazing Samsung phone accessories to own

5 amazing Samsung phone accessories to own

On average, a person spends a minimum of three to four hours on their phone every day. But, when it comes to convenience, there can never be something like too much. So, if you add a few accessories to your already powerful Samsung phone, it will only simplify your life further, making it more organized and easy. Be it phone holders, selfie sticks, power banks, or data cables, here are a few amazing accessories that are a must for all. Power Banks While Samsung phones have numerous benefits and can help you multitask with ease, there are some cons you cannot escape. For example, if you use your phone more, the battery will drain faster, be it 4000mAh or 5000mAh capacities. Now, of course, if you are home, it is easy for you to put your phone on charge; but what do you do when you forget your charger at home, or you are out with your friends and your battery runs out? There may also be situations wherein you do have a charger, but there’s no charging port available. In such a scenario, a power bank comes handy. It is definitely a Samsung accessory everyone should familiarize themselves with.
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Top 8 employee evaluation software for your business

Top 8 employee evaluation software for your business

One of the toughest tasks for any organization is the process of evaluating its employees every year to determine their performance. This where an employee evaluation software can make the process simpler and more systematic for the Human Resources (HR) department. Here’s is a list of the best software providers for employee assessment. BambooHR It is a human resources information system that makes the role of the HR team more effective. This cloud-based software offers a great range of employee information management options, which will help to keep an eye on their performance. This is an affordable software and ideal for small and medium-sized businesses. Engagedly When it comes to employee evaluation, today’s business needs a modern approach, and that is exactly what this employee evaluation software offers. It engages employees in the process of performance evaluation, making it possible for the system to be more simplified and save a lot of time. UltiPro This Cloud-based software offers a range of amazing features that make employee evaluation more effective. UltiPro comes with features like feedback, compensation management, evaluation history, development plans for individual employees, rating scale with customization options, on-going tracking of performance, goal-setting, skill assessment, and peer appraisal. Workday This employee evaluation software helps with the growth of your business by offering more insight into the workforce.
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