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Five websites to help make money online

Five websites to help make money online

Making money online is not as hard as you think it is. If you have a bunch of skills to showcase and a drive to get things done, you can easily make hundreds of dollars every month. Nonetheless, sometimes, phony websites and Ponzi schemes seem to make it difficult to find the right sources of money. Therefore, we have taken the liberty to note down five reliable websites to make money online easily. YouTube Got something to share? Is it interesting and non-explicit? Then YouTube is the place to be. All you need to do is create engaging videos, and you can make thousands of dollars depending on how many views you get. Keep up the good work, and YouTube will keep paying you depending on the number of views on every new video you upload. Fiverr Fiverr is a great place to make money if you’re looking for freelancing jobs. From content writing to marketing and web development, Fiverr has a job for everybody. The basic pay starts at approximately $5 an hour. The process, too, is fairly simple. Once you get an order, you complete it, get paid, and Fiverr takes a small cut (around $1). Shopify With Shopify, there is no definite pay scale.

5 benefits of automated investing and who should use it

5 benefits of automated investing and who should use it

An increasing number of investors are opting for automated investing tools, commonly known as robo-advisors. These automated tools put the management of your portfolio in an autopilot mode. Here are five benefits of such automated investing platforms: Affordable Before robo-advisors, you needed to pay hefty fees to an investment advisor to assist and manage your portfolio. Several of the best automated investing platforms, such as Betterment, Wealthfront, and Charles Schwab Corp’s Intelligent Portfolios offer zero to 0.25% management fees, making it an affordable option. Profitable investment models Most of these automated investing advisors use the best practices of investment theories, which strive to deliver the highest returns at the lowest risks. Moreover, it eliminates human intervention that may result in biases leading to errors. Meeting various investment goals Different kinds of robo-advisors cater to the varied needs of investors. You may choose from advisors that are sector- or industry-focused to robo-advisors that offer an affordable and diversified portfolio of exchange-traded funds (ETFs). Several automated investing platforms may offer tax-loss harvesting and claim rebalancing. Low minimum balances You may not have a large amount of investible surplus. Some of the best automated investing platforms offer services, even when you maintain a low minimum balance.

Top 5 investment advisors

Top 5 investment advisors

Financial discipline is an important trait to acquire. You have come to the right place for people looking for a registered investment advisor, but do not know where to look. Here, we have collated a list of the best investment advisors who are established entities and, hence, quite trusted and reputed. Check out our list of best investment advisors to get the right organization to manage your finances: Morgan Stanley Some of the highlights of investing with Morgan Stanley is getting full value with a personalized portfolio. Your financial advisor can help you curate the right investment strategy that suits you the best. Apart from this, you would also get comprehensive communication, ensuring that you know what’s in line. The best part is the fees of this particular program is based on the number of assets in the account. We highly recommend you consider them for top-quality investment opportunities. Bank of America Bank of America has a corporate Global Wealth and Investment Management division. One of the main reasons why Bank of America ranks so high is because it acquired Merrill Lynch post the 2008 financial crisis. This division primarily focuses on two types of clients: people who have more than USD 250,000 (approximately) in assets that can be potentially invested and high-net-worth individuals.

The best investment options for a retirement fund

The best investment options for a retirement fund

Retirement is one of the most important periods of life. After retirement, you can enjoy a happy, financially secure life with your family. However, that will require you to have a large enough bank balance that can guarantee financial stability for both you and your loved ones. You need to know the options for the best retirement investments so that you can effectively build the fund you need. Mutual funds A mutual fund is one of the best investment options you have for retirement fund building. Mutual funds are investment portfolios that include bonds, stocks, and other investment instruments. These funds are managed by experienced and professional managers who invest your money on your behalf and help you get the best possible returns. A great thing about mutual funds is that they offer the flexibility of choosing how much risk you are willing to take. You can build your investment portfolio depending on what kind of growth you want to see and your risk tenacity. You should know that the growth of your mutual fund investment depends a lot on the market situation. However, it is outweighed by the many benefits of mutual funds such as asset allocation, tax benefits, the option to transfer ownership, and low commissions.

Choose the best credit card companies for bad credit

Choose the best credit card companies for bad credit

As defined by FICO (the leading credit rating agency), bad credit is defined as a score of less than 580. Your credit score may range between 300 and 850, and an excellent or good rating is often when the minimum score is 700. If you have a lower credit score, you may have to pay higher interest on loans and may not receive the best financial offers. One of the best and quickest ways to increase your score is to use a credit card. When you avail of the accurate card and use it correctly, you may be able to increase your score in a few months. Here are some of the best credit card companies if you have a lower score: Credit One Bank Visa Credit Card Several card issuers require you to deposit $200 or more when you apply for a card. However, this card from Credit One Bank is an unsecured product and does not require any upfront payments. You receive 1% cashback when you use this card for groceries, fuel, and satellite, cable, and Internet services. Additionally, you get a $300 limit, which increases as you responsibly use the card. Indigo Platinum Mastercard If you have ever applied for bankruptcy, the last thing you want is to apply for a credit card and be rejected as it further hampers your credit score.

Choosing the best ETFs during the current times

Choosing the best ETFs during the current times

During the current uncertainty, choosing high dividend exchange-traded funds (ETFs) seems prudent. Several ETFs with high exposure to energy and real estate are floundering due to the novel coronavirus. Here is a list of five high-dividend ETF funds that may be a good investment option during this pandemic: Legg Mason Low Volatility High Dividend ETF (LVHD) This dividend ETF provides two excellent features, higher payout and lower volatility. Although LVHD will generate negative returns in the current year, its performance is still better than the S&P 500. This fund tracks the QS Low Volatility High Dividend Index and allocates almost 25% of the weight in energy and real estate. However, no single investment exceeds 2.8%, which reduces the risk to some extent. The LVHD yield stands at 3.36% with an expense ratio of 0.27%. VictoryShares US Large Cap High Dividend Volatility Weighted ETF (CDL) This fund is over five years old with more than $207 million in assets under management (AUM). CDL targets the Nasdaq US Large Cap High Dividend 100 Volatility Index. This fund does not adhere to stringent methodology and offers some versatility. This may result in yield-driven strategies that rely on a smaller number of investments. Another feature of this fund is that it has no exposure to the real estate sector but has a 22.84% exposure to financial services.

3 main benefits of applying for a business loan

3 main benefits of applying for a business loan

These days, a lot of people are leaving their jobs in the pursuit of setting up their own business. While a good idea is often the key to a successful business, the most important thing for you to start a business is the availability of funds. That is where business loans come into the picture. As soon as you launch a business, you will need funds to meet day-to-day expenses. Thus, securing a guaranteed business loan before you embark upon your journey as an entrepreneur, is very important. How to apply for a business loan? Since applying for business loans has become a common practice now, many lenders give you applications through both offline and online mediums. You also have the option to apply for loans with multiple vendors at one go. The lender needs to verify and establish whether you are in a position to pay off the loan in the future. You have to provide him with documents containing your prospective business plan, proof of monthly and annual revenue, business tax ID number, information related to tax returns, business bank statements, the ID issued by the government to you signifying business ownership. Benefits of applying for a business loan Bank does not interfere with your business While the bank analyses your financial health and wants to be sure about you paying off the loan, it does not dictate how you should run your business.

5 best NNN properties for sale in LA

5 best NNN properties for sale in LA

Generally, the real estate taxes, maintenance, and building insurance expenses are paid by the landlord when the tenant pays the rent. However, in the case of the triple net (NNN) property, the tenant has to pay those too, in addition to the utility boils and the rent. The rent is lower for the NNN properties for sale which has made them a popular option among the investors. Below is a list of the five best NNN properties in Los Angeles. Convenience store Location : Baton Rouge, LA Cost : $2,995,401 Premises : 4,509 SF Renewal options : 4 x 5 years Lease expiration : 1/20/2040 Lease type : Absolute NNN Rental increases : 2% annually If you are thinking about investing in an NNN property in LA, then this convenience store may just be the right option for you. This is an already established store with multiple locations, which makes it a profitable option. It is located in an advantageous position, which offers visibility and traffic. Jiffy Lube and Precision Tune Auto Care Location : Alexandria, LA Cost : $1,285,714 Premises : 5,000 SF Lease expiration : Varies Lease type : NNN Rental increases : Varies If you want to invest in profitable NNN properties for sale, then consider these auto care facilities.

Top 10 debt settlement companies you can choose from

Top 10 debt settlement companies you can choose from

Debt settlement companies provide the service of lowering your existing debts by negotiating with your lender to provide financial relief. There are many such companies that can help you with repaying only a percentage of your loan to settle it permanently. Below is a list of the top 10 debt settlement companies you can compare and choose from. Century Support Services Century Support Services offers debt settlement services to people who have a debt of $10,000 or more. The process can take up to 48 months, but you will have to pay their fees only after your debt is settled. They also offer a free consultation. Pacific Debt, Inc. Pacific Debt Inc. offers debt settlement services for a fee of 15-25% of your settled debt. To avail of their services, you must have a debt of at least $10,000. The process takes up to 48 months, and you pay the fee after the service is completed. CreditAssociates If you have a debt of $10,000 or even more, then CreditAssociates can be one of the top 10 debt settlement companies to help you out of the situation. They can effectively lower your dues and charge you a certain percentage of the settled debt.

Check your eligibility for a reverse mortgage loan

Check your eligibility for a reverse mortgage loan

In a regular mortgage, you pay the lender over a period to eventually own the home. In a reverse mortgage, the lender pays you as an advance towards the equity of your home. The amount is tax-free and you do not have to repay it as long as you live in the home. Here are the basic reverse mortgage eligibility criteria: Age To qualify for this type of mortgage, you need to be 62 years or older. Under the new regulations that relax norms for a non-borrowing spouse, you may still qualify for the loan even if your spouse is less than 62 years old. Balance home equity Another major requirement to qualify for a reverse mortgage is that you should have a significant equity balance in the home. You must have at least 50% home equity while applying for the loan. Self-occupied The third reverse mortgage eligibility criterion is that the home should be self-occupied. Moreover, it should be your primary residence. Investment properties are not eligible for reverse mortgage loans. Counseling When you apply for a reverse mortgage loan, you need to undergo a counseling session from a Department of Housing and Urban Development (HUD) approved agency. During the session, you will be given all information related to such loans and will also help you understand if a reverse mortgage is appropriate to your requirements or not.

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Top 20 Tech Sales to Expect for Black Friday 2023

Top 20 Tech Sales to Expect for Black Friday 2023

If one has missed out on getting their hands on some of the coolest tech gadgets during the year, there is no better time to get them than Black Friday sales in 2023. If one wants to avoid the crowds, queues, and noise of an in-store sale, one can get similar deals online. Most top brands offer in-store and online deals, so here are 20 of the most popular tech sales to expect in 2023. 1. Smart TVs Smart TVs are one of the largest selling products during most Black Fridays, and one can choose from brands like TCL, Samsung, Hisense, Panasonic, and Sony. Last year, one could get savings of up to $500 on an LG 55-inch 4k Smart TV from Amazon, so one can expect similar deals this year too. 2. Smartwatches Smartwatches can be connected to other smart devices using Bluetooth and Wi-Fi for communication, entertainment, and health and fitness monitoring. Samsung, Apple, and Google are popular smartwatch brands to keep an eye out for, among others. For example, last year, there was a discount of up to $110 on the Samsung Galaxy Watch 4 at Amazon. 3. Laptops The previous Black Friday let shoppers get up to $150 off on leading laptop brands like Acer, HP, ASUS, and Lenovo from Walmart, which has had the highest sales for Black Friday for many years.

5 habits that can damage a laptop

5 habits that can damage a laptop

Laptops are portable and durable devices that can easily run for years if handled properly. But sometimes, the device may break down earlier than it should. One may unknowingly be careless with it, damaging the laptop beyond repair. However, some of these habits can be avoided if one pays a little more attention to them when using a laptop. Listed below are five bad habits that can damage a laptop and must be avoided. Not paying attention to overheating Laptop overheating is one of the common causes of laptop damage. Users must pay utmost attention to the device emitting more heat than it should; placing a laptop on a cushion or blanket while working may cause it to overheat. It is best to place a laptop on a flat, clean, and dry surface to avoid any damage to the laptop. Letting dirt buildup It is important to clean the laptop from time to time. Using a laptop regularly will cause dirt, dust, and grime buildup on the screen, keypad, and crevices. Use a clean cotton cloth to wipe the laptop regularly to keep it clean and dust-free. One can also use a laptop cleaning liquid to clean the screen and the body of the laptop, but make sure to avoid any liquid spill on the device.

5 common smartphone habits to avoid

5 common smartphone habits to avoid

Smartphones have become a part of our personal and professional lives. We use them to watch entertaining or informational content, connect with friends, complete work assignments, and purchase products online. And these are just a few uses. There are hundreds of other things one can accomplish with a smartphone. However, while the gadget can make life easier, it is vital to use it correctly. Here are five harmful smartphone habits to avoid. Not using a case Whether a budget flip phone, a massive tablet, or a smartphone, all have glass screens and are susceptible to breakage if they fall. Therefore, it is always better to use a case on the device, especially outdoors. Using them without a cover might make their design stand out, but replacing a broken screen or back panel can be expensive. Besides using a case, install a screen protector to keep the display free from scratches. Always checking the phone Many have a habit of checking notifications on their phones throughout the day, whether at work or home. Of course, one might need to check specific important texts urgently, but not all of them. Checking the phone constantly may not have immediate effects, but it can gradually diminish a person’s ability to concentrate.

10 Black Friday laptop deals to check out in 2022

10 Black Friday laptop deals to check out in 2022

Black Friday or the shopping extravaganza of the year might seem distant, but it will be here before you know it. People wait for the day to get the best deals on all kinds of products—from clothes to electronics. What’s more? A lot of top brands offer amazing discounts on otherwise expensive laptops. If you are already planning for the holiday season, here are some of the best laptop deals for Black Friday 2022: Samsung Chromebook 4 If you are looking for an entry-level laptop on a budget, then the Samsung Chromebook 4 is the perfect option for all your day-to-day needs. With its 11.6-inch screen, this is a compact laptop that you can find great deals on this Black Friday. You can get about $70.99 off on the laptop. Lenovo Ideapad 3 If you are one of those who love the traditional look of a laptop, then the Lenovo Ideapad is the one for you! It might seem small with an 11.6-inch screen but it is a powerful device. It comes with 4 GB RAM and 64 GB of storage space, making it a good option for work or personal use. You can save up to $70 on this gadget.

Top 10 expected Black Friday deals on smart home devices

Top 10 expected Black Friday deals on smart home devices

With so many discounts to look for, finding the best deal for your devices is a must on Black Friday. Smart home devices have been some of the most popular items on sale, and the 2022 Black Friday will be no different. From smart light bulbs to video doorbells, there are a ton of products to buy, and Black Friday is the perfect time to save big bucks while you do so. Top 10 best Black Friday smart home devices deals to look forward to in 2022 Ring Video Doorbell This smart doorbell works for just about every house (apartment, condo, or villa) and lets you see, listen and speak to visitors arriving at your home right from your smartphone. Last year, the Ring Video Doorbell was on bundle discount with the Echo Dot for $41, so look forward to better deals this year! Kasa Smart Plug TP-Link’s Kasa Smart Plug (Pack of 2) is a great deal to look for. The compact smart plug can be voice controlled, create smart schedules, be grouped with other Kasa devices, and be remotely controlled to give your home a truly smart finish. The pack of two retails for $19 but was available for $14 last Black Friday.

20 Black Friday tech sales to look forward to

20 Black Friday tech sales to look forward to

Black Friday 2022 will see several brands and e-commerce platforms giving massive discounts and deals on your favorite products. As observed, each year, some of these brands also hold an early-bird discount sale; however, there has been no word of it yet. But fret not; we’ve put together some of the brands and sites that are most likely to have massive Black Friday tech deals available. Check this out and bookmark if needed! 20 tech brand and website sales to expect on Black Friday Amazon The shopping and tech giant has a Black Friday Sale every year around the main shopping season. Keep an eye out for early deals on smartwatches, TVs, and other gadgets from various brands that are stocked on the platform. John Lewis They already have some information available about Black Friday deals on their website. Exact discounts will be disclosed closer to the big shopping sale day, so you can start making your wishlist now! eBay eBay has a whole range of products like smartphones, TVs, appliances, laptops, and other tech products and accessories. While the biggest deals might be reserved for Black Friday, early-bird deals may get you some great discounts too! Verizon Get Black Friday deals on 5G phones, handsets, iPhones, and other products on Verizon.