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articles about personal finance and investing.

There are many investing decisions to make as an investor, especially when it comes to what investment strategy suits you. One of those debates will hinge towards the individual stocks vs. equity funds argument. Which one of these is best for you? For starters, what's the difference between individual stocks...
Buying a house is one of the most challenging undertakings for anyone. It’s not just about moving from one neighborhood to the other but also the financial management part. Most homebuyers seek financing to pay for a house, leading to a mortgage application. Applying for a mortgage is not always...
Verizon Media is hoping to target the next generation of spenders with its personal finance site Cashay.  Launched on Wednesday, the site will include information on money, managing finances, and preparing for the future, the company said in a statement.  "As the wealth gap continues to grow, financial literacy will be...
There are many different ways to invest money. They range from super easy and safe (a savings account), to more complex and risky (stocks and bonds). But there are some investments that should be avoided in all situations. Avoiding these kinds of investments will make it more likely you...
Debt consolidation is refinancing your old credits, where a lender merges multiple credits into one loan and repays off the old debts. You will end up with one loan with new terms from one lender only. While debt consolidation has its advantages, like allowing you to have lower interest and...
You may have heard that U.S. President Donald Trump proposed ending a federal student loan forgiveness plan in his 2021 budget.  His proposal would terminate a popular program for federal and nonprofit employees that forgives student loan debt after 10-years of on-time payments. It would also reduce the number of repayment...
Looking for a home to buy is much easier than the buying process itself. The process becomes even more overwhelming when you are haggling for the best price. Unless you spend your day’s haggling for prices and best deals everywhere, negotiating for the best price for your next home...
When investing in real estate, it is good to know where to look for the best deals. Market listings are not the only option for this. Unfortunately, most beginner investors do not know that off-market properties often have better offers. What Is An Off-Market Property? Off-market properties or pocket listings are...
Earn it and spend it because you only live once, this is the YOLO lifestyle. FI seekers earn it then invest it building their way to financial freedom. This delays gratification, but gives greater freedom later on. Those who are successful in their FI journey will so win control over...
Anything finance-related can be a taxing subject for most individuals, especially when it involves investments and taxes. Every financial advisor you come across will advise you to start investing as early as possible. But how do you do it? Where do you even begin? An investment 101 lesson is...
When people talk of income, either from providing services, selling products, or their investments, they rarely think of the different income types. When we think of the different types of income, it's quite common for one to get confused. First, there are two types of income, disposable and discretionary income....
As an investor, sometimes seeking the advice or investment support of an experienced professional can help your investment journey. Among the available financial professionals, the difference between investment advisors and brokers confuse a lot of investors. Although both seem similar, the two professional fields are different; they operate under...
While having a mortgage allows you to build equity, the long repayment term can be draining. When the opportunity arises, many borrowers reconsider refinancing their mortgage loans. Refinancing sometimes comes with better loan terms, especially if you’ve serviced your mortgage loan for several years. However, refinancing doesn’t always work in...
How to become rich? A checklist About the Self: Be passionate and alive. Meditate Know your issues/weaknesses. Have strategies to deal with them. How do you deal with Fear and Greed? Leverage your strengths. Learn from the mistakes of others rather than your own. Check in with your state of...
It’s time to stress test your personal finances! With the current ongoing pandemic and economies taking a toll since the last recession, now is the right time to confirm where you stand. Financially speaking, that is. Stress testing is not a new practice. Banks and financial institutions embraced this practice...
A blend / blended fund is an ETF or mutual fund investment that gives investors a chance to invest in value stocks and growth stocks. It’s one of the best investment strategies that allow you to diversify your portfolio, rather than investing in one of the strategies. Growth vs. Value...
Debt is one of those words that elicits strong reactions from everyone. Some people think debt is the devil and should be paid back as soon as possible, while others think its perfectly fine to be in debt. Most people will agree on one thing though: debt is something...
It is the U.S. tax season, and while the concept is relatively simple, filing your taxes can be stressful. Making even the simplest of mistakes can lead to your returns being rejected or having your finances audited by the IRS. It’s no wonder most Americans hire a tax accountant...
List of international investments open to non-resident investors. P2P Lending Mintos: A p2p platform based in Latvia       The stock market is an efficient investing machine, the alternative investment market much less so. There are opportunities out there destined for sophisticated, high net worth individuals and the risk-conscious retail investor. Stock markets on all four...
The Coronavirus pandemic is still raging through the globe. Companies are still struggling, people are losing jobs, and there’s no telling when the recovery period will start. There’s a need for people to spend wisely, now more than ever. Even if you still have your job, there’s no telling...
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