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The Pros and Cons of Angel Investors 2023

An angel investor is someone who invests in the early stages of a new business and provides the capital to get that business off the ground. An angel investor is usually someone with substantial assets. They are typically serial entrepreneurs, successful entrepreneurs, or successful professionals. They typically seek projects they like and higher returns than traditional investments. Business angels typically expect returns of 25% to 60%. Angel investing is a type of equity financing in which investors provide capital in exchange for holding a position in a company. Equity financing is typically used by corporates that do not have sufficient cash flow or collateral to obtain a business loan from a financial institution. Angel investors fill the microfinance void provided by family, friends and venture capitalists. Attracting a business angel isn't always easy, but there are some things you can do. First, consider whether angel investing is right for you and your business. Advantages and disadvantages of being a business angel A big advantage is that angel investment financing is much less risky than debt financing. Unlike loans, invested capital does not have to be repaid if the business fails. Most business angels understand business and take a long-term view of it. Additionally, angel investors are often looking for personal opportunities in addition to their investments. The main drawback of using a business angel is that you lose complete control as a co-owner. Angel investors have a say in how the business operates and also receive a portion of the profits if the business is sold. In debt financing, the lending institution does not control the company's operations and receives no share of the profits. Typical sources of business angels   Typical sources of business angels   Angel investor is a fairly common term, and you can actually find this type of investor in several different forms. Angel investments are typically made from things like: Family and Friends: This is the most common source of funding for startups interested in raising seed money, and for many it is the only option. The high failure rate in new ventures also poses a risk in terms of the potential impact on relationships if the business is not successful. It is important to be aware of the risks of failure in advance.

rich. Another good source is (usually) successful entrepreneurs, doctors, lawyers, and other high net worth individuals willing to invest up to $500,000 in stocks. This is often done by word of mouth through organizations such as business partners or local chambers of commerce. Groups: Angels are increasingly acting as part of angel syndicates (groups of angel investors) and the level of potential investment is increasing accordingly. Investors donate funds to the syndicate, and a dedicated syndicate management team selects where to invest. Crowdfunding: A form of online investment grouping, crowdfunding raises money by asking large groups to invest as little as $100.

Communicate before making decisions

  For entrepreneurs considering angel investing, it's important to be clear about what the investor will bring beyond money, such as experience in running a business or access to quality suppliers. You can also understand how angel investors want to work with you, as they may have conflicting ideas about how your business should be run.

It is also important to have a detailed business plan. As a small business, you need to secure funding from financial institutions. Read the full article

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Asset-Backed Lending

An independent financial advisor can help you manage your money and achieve more. But let's be honest, they're also using your money to help you make more money. There are several payment methods for consultants, which are based on licensing and practice. Some of them are called "fee system", and there are some that charge fees or commissions depending on the money handled. Other services, called 'Fee Only', do not allow you to earn commissions on the sale of your products and require you to collect fees in some other way. Do you have a compensation model that promises impartial advice? The answer is no. The truth is that every financial services compensation model has flaws. Take a look at how you pay independent financial advisors, whether paid or unpaid, and see if that can affect the advice they give. main socket   Paid Financial Advisors receive no commission for the products they sell or recommend. Paid financial advisors may charge a fixed hourly fee or a percentage of the assets they manage on your behalf.

To find an experienced and knowledgeable financial advisor, ask questions about your approach to planning. This is fair advice.   Fees are meant to be paid directly by you only for services provided by consultants. they work for you For example, we may charge this fee as a flat rate for a project to help prepare financial plans. Alternatively, we may bill as an hourly rate, a percentage of the assets we manage on your behalf, or for a fixed period of time such as annually or quarterly. The most common paid model is the EA model, which charges a percentage of the assets you  Let's look at two situations where this could be the cause Fast Approval Time: Compared to traditional bank loans, asset-based loans can get approved much faster. Loan Flexibility: Asset-based loans allow you to use your funds for almost anything. Improved cash flow: You can improve your cash flow and level out seasonal peaks and troughs. Disadvantage description   Forfeiture of assets: Depending on the terms of the loan, the lender may seize the assets you are lending if you fail to make payments. Initial costs can be high: Initial costs of asset-based loans can be higher than traditional loans due to initial and administrative costs. Financing assets for factoring   Factoring, also known as accounts receivable financing, is a service that advances the outstanding invoices of a business in cash. It is essentially a type of asset-backed loan as the bond acts as collateral and helps secure funding from the lender. Unlike asset-backed loans, factoring has no monthly payments. Lenders pay your bills up front, usually less a service fee. When a customer pays an invoice, the payment is sent to the creditor.

You will find that factoring companies typically only offer accounts receivable financing. So if you want to mortgage assets such as equipment or inventory, they cannot help you. main socket An asset-backed loan is a business loan or line of credit secured by some form of collateral. The most common types of collateral used in asset-based lending are equipment, inventory and accounts receivable. We can support companies in all industries including working capital, debt refinancing, seasonality, mergers, acquisitions and restructurings. Read the full article

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Finance Strategists

This is a tax deferred retirement savings account. This means that money deposited into your account is tax-free until it is withdrawn. This can provide significant tax benefits, especially if the 401(k) plan is funded in pre-tax dollars. It takes its name from the section of the Internal Revenue Code that governs it. 401(k) plans are sometimes called "defined contribution" plans because employers typically limit the amount that employees can contribute. There are two types of 401(k) plans based on the degree of control investors have over how their funds are invested. 401(k) background 401(k) retirement plans have grown exponentially in use since they were first created in the 1970s. Before the ground rules were introduced in 2006, the participation rate was estimated at around 60%. As of the late 2000s, nearly 90% of workers used these accounts for retirement savings, with nearly 50 million workers and their employers contributing $3 trillion in total. A few years later, his pension wealth grew even further, reaching $7.3 trillion in March 2022. They both prefer 401(k) accounts because they allow employers to contribute retirement benefits without liability to the pension. Employers often match your contributions to a percentage of your income or set annual contribution limits based on your income. While attractive to high-income earners, it also benefits the majority of workers. Throughout your life, as a contributor to one or more 401(k) accounts, you invest a portion of your income in some financial instrument (often a combination of the two). As a result, far more Americans have participated in the stock market than ever before. Your company's plan may have a "group rate" available. Payroll Deductions and Savings Rates   For most people with a 401(k) plan, their monthly salary deductions amount to a significant sum in just a few years. However, when employees have the choice to save during a recession, many refuse it. Policies and rules can impact savings rates by making participation more or less attractive for various economic groups. The Employee Retirement Income Security Act (ERISA, section 404(c) in the IRS code) is the legislation that specifies how an employer must handle funds deducted from your pay. Under the rules, your employer must deposit your payroll deductions into an appropriate account within 15 days after you get paid. Your employer is not permitted to keep the money and invest it from a business account. Monies collected from several workers' contributions may be combined and sent to a single fund or program. For quite a while now, savings rates in the United States have been low due to consumer spending. In 2007, for example, accounts were only increasing by 20% annually despite Baby Boomers being nearly retirement age. On average, these individuals were contributing less than 8% of their gross income into a 401(k) plan. Gen X-ers did not fair much better; they are saving at just above 6%. Lastly, juniors' savings rates hovered around 5%. That is up from 2005, when the average savings rate of all employees was near to (or perhaps less than) zero. While regulations that apply and encourage low-income people to save for retirement in 401(k)s and other tax-deferred programs have been in place for several years before the economic crisis hit, these market issues and savings problems have little effect on many who earn hourly salaries or are self-employed. For anyone aiming to retire at 50, the market crash in 2008 set many people back. In order to make up for lost time, savers will have to increase their savings rate (the percentage of each check they put away). This is based on the stock markets bouncing back over time, but even young workers in their 20s will need to save more money to account for future inflation and taxes. The History of 401(k) Plans   The tax code changed in 1978, unintentionally prompting the creation of the 401(k) savings plan that has largely supplanted company-funded pensions. Intended to clarify the legal status of some extremely wealthy investors' existing saving plans, this minor rule adjustment sparked a decade-long financial industry and market boom in the 1990s. Since the 1980s, when the 401(k) plan was established in a single financial institution, these plans have evolved into a government-sponsored private investment intended to help employees save for retirement in order to augment their Social Security income. In the first six years of the program, several hundred thousand businesses provided plans as an incentive to their staff. These savings accounts were offered as an option benefit to individuals of all sorts of professions throughout the 1990s. In 1988, following a series of legislative actions designed to boost participation rates in 401(k) plans among US workers, the Congress passed a legislation that made employee contributions the default option for all firms offering such programs. Employees wanting to opt out of making 401(k) contributions have been required to fill out a form stating their wish to do so. Reasons for Supplemental Retirement Savings   The Federal Government has had a lot of impending and developing reasons to boost personal savings rates. One of the most significant economic challenges for the next decade is anticipated to be caused by retiring Baby Boomers. It is expected that discouraging dependance on federal cash as a sole source of income for older people will prepare US wage-earners for losing benefits. Social Security benefits, in combination with Medicare and Medicaid, are generally not considered adequate alone for sustaining one above the poverty level in retirement. While many persons over the age of 65 continue to work, however many of them are employed part-time on lower-paying jobs. The only way to protect yourself from old age is to save money while you are still working. Everyone should be aware of retirement savings in order to avoid inflation and market forces from robbing you of your carefully accumulated funds that should be paid with reasonable and consistent compounded returns. Although they did not come up with the concept themselves, the IRS and Congress understand the importance of keeping money moving into markets, as well as limiting their responsibility in the long run, if Social Security becomes even less reliable. Tax deferrals are not always in a saver's best interests, but deferred cash that is also part of a high-yielding investment may outpace new taxes in the future and inflation.  

Getting matching contributions from your employer is always an effective motivation, which is why most individuals join 401(k) plans. The 401(k) is a flexible savings instrument that serves as a simple method to encourage new participants. For this group of individual savers, their collective contributions become IRS tax revenue when they withdraw.

In essence, the IRS enables a vast network of employees and firms to invest tax dollars indirectly in the stock market for higher returns throughout the decade and beyond when the Baby Boom generation retir Read the full article

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How to Tell if a Financial Advisor Is Fee-Only

Fee-Only Financial Advisor and Paid Financial Advisor Financial Advisors and Registered Investment Advisers (RIAs) can operate on a "fee-only" or "fee-based" basis. For Paid Financial Advisors, the Administration Fee is the end of Client Fees, and for Paid Financial Advisors, the Administration Fee is the beginning of those fees. Paid financial advisors cannot legally be compensated for the investments they recommend. Paid financial advisors are permitted to receive compensation for the investments they recommend, but must disclose any conflicts of interest.

In practice, this may take the form of investing client funds in mutual funds that provide consultants with a commission on management fees charged to clients. Advisors may charge a 1% management fee, but by investing client funds in certain mutual funds, advisors may receive an additional 0.1% (10 basis points) of client assets. Contact a Certified Financial Advisor name* Email* phone message* * Required item he imagines trust criteria Fiduciary Standards exist for both Paid Financial Advisors and Paid Financial Advisors. The fiduciary standard stipulates that consultants must act in the client's best interest. The fiduciary standard differs from the adequacy standard, which stipulates that a consultant must give "appropriate" advice rather than putting the client's interests first.

Financial advisors act on the basis of trust and act as counsel on personal financial matters. While reporting conflicts of interest is required by law, financial advisors take a high degree of confidence in their role and can easily convince clients that the investments they recommend are in their best interests. can. Unfortunately for clients, it can be very difficult to prove that a financial advisor did not act in their best interests by recommending an investment. In the financial world, advisors and planners are compensated in one of two basic ways: by earning flat fees or by earning commissions. A fee-only financial advisor is paid a set rate for the services they provide rather than getting paid by commission on the products they sell or trade. Should you be working with a fee-only financial advisor? There are many benefits to someone who is compensated solely by what they charge directly to clients and not from the commissions earned from the sale of financial products or financial transactions. However, there are drawbacks as well. Let's review. KEY TAKEAWAYS - Many financial advisors are shifting to a fee-only compensation structure, where they receive a fee for their planning services in lieu of traditional commissions. - The benefits of fee-only include transparency, no hidden charges, and no conflicts of interest to sell a certain product line or company offering. - The downsides of fee-only advisors can include being more expensive or a limited scope of products and services offered. - Fee-only advisors aren't always completely free of conflicts. If they're compensated by a portion of AUM, they may be biased against you withdrawing funds. However, they may bound by fiduciary standards to always put their client’s interest first and to fully disclose any potential conflict of interest to the client.

Fee-Only or Commission-Based?

- Charging an hourly or a flat fee for the planning services they provide. Depending on the engagement, they may provide limited or comprehensive advice. Engagements may be one-time or ongoing. - Charging a percentage based on assets under management (AUM)—say, 1% of the investment account value. The engagement may or may not include planning and/or other advice, which is usually secondary to money management. - Earning commissions based on the sale of a product or a financial transaction, such as a stock trade. Advice or planning might be ancillary to the product sale (as with a stockbroker), or they might be a key part of services (as with a financial planner). - Getting compensated through a combination of flat fees, percentage of AUM, or commissions. The exact mix varies by the advisor. Also known as "fee-based," this model allows advisors to offer clients a wider range of services as well as work with them to implement recommendations and monitor progress. There has been some debate as to how "fee-only" compensation should be defined—mainly, whether or not it should include the second group, those who charge based on AUM. Generally, though, most agree, fee-only refers to payment from fixed, flat, hourly, or percentage-based fees.

Advantages of Using a Fee-Only Advisor

One of the major benefits of selecting a fee-only advisor is the freedom from the inherent conflict of interest that can arise when a significant portion of the advisor’s income comes from selling financial products to you. The concern you should have as a potential client is whether or not the advisor is recommending a certain investment because it enhances their bottom line and if the products recommended are truly in your best interest. In fact, there are some registered reps and others who earn all or part of their compensation via commission that may be required to favor products offered by their employer—which may or may not be the best investments for your portfolio strategy. Since fee-only advisors do not sell commission-based products, receive referral fees, or collect other forms of compensation, the potential for conflicts of interest is limited. For this reason, many recommend that you only work with a fee-compensated advisor. In addition, an advisor is usually a fiduciary when they charge a fee for planning services and/or they are investing money for an advisory account; as a result, they are legally required to always act in the best interest of their clients, and to disclose anything that might smack of impropriety. Registered Investment Advisors (RIAs) and certified financial planners (CFP®s) both swear to act as fiduciaries, for example. An advisor who only earns commissions—like a stockbroker—is held to a lower standard and does not have to make a "best-interest" recommendation, but rather one that is "suitable" for your needs. Another benefit of using fee-only financial advisors is the opportunity for them to offer an objective second opinion of your situation. This is especially true if the advisor works with clients on an hourly, as-needed basis or perhaps will do a financial plan or financial review for a fixed project fee. Services here can range from addressing a specific financial question to a review of your investment portfolio or a full-blown financial plan.

Disadvantages of Using a Fee-Only Advisor

All of the above are great reasons to use fee-only advisors, but there are still some potential downsides to the fee-only model. First, fee-only advisors might be more expensive. For example, let's say through the planning process, a fee-only advisor discovers a need and recommends that a client buys a commission-based product such as disability income insurance. If the fee-only advisor doesn’t sell the product, then the client would need to find and work with an insurance broker, adding additional steps to an already complex process. Also, the insurance broker receives a commission from the sale of the product, so the client ends up paying both a fee and a commission (albeit to different people). Some states limit an advisor's ability to charge a fee for the analysis of just insurance products or needs. Consequently, the fee-only advisor has to either limit the services they offer or charge clients a higher fee. For wealthy individuals who are willing and able to pay a substantial retainer, a fee-only advisor could be the right choice. But, for many individuals with limited resources or whose assets are tied up in qualified plans, the out-of-pocket costs for a fee-only advisor could get prohibitive. Fee-only advisors can be expensive in another sense. Investors with smaller portfolio balances or lower transaction activity may get favorable pricing with commission-based advisors. While fee-only advisors are relatively less expensive for clients with large portfolios, different fee structures impact investors differently. Fee-only advisors are also in the unique position of holding fiduciary responsibility over your assets, yet they do not get incrementally rewarded for your success. Whether your portfolio doubles in size or gets cut in half, a fixed-fee advisor will likely receive the same fees to manage your portfolio. As there is minimal incentive to the advisor to ensure your investment success, you may find fixed-fee advisors may not always have your best interest at heart as well. Another issue to consider is that being fee-only does not ensure that the advisor is competent or appropriate for you. While it conjures up the image of an erudite professional, like a lawyer or an accountant, this compensation model doesn't guarantee the advisor has expertise—or that their expertise dovetails with your needs and profile. For example, a fee-only advisor who specializes in working with teachers and government employees nearing retirement probably would not be the best advisor for a high-earning thirtysomething professional in the private sector. Fee-Only Financial Advisors Pros - Less chance for conflicts of interest - More transparent pricing structure - More objective advice Cons - Often more expensive/skewed to higher-income clients - More limited in product and service offerings - May not be totally disinterested (if you want to withdraw funds)

How to Find a Fee-Only Advisor

The National Association of Personal Financial Advisors (NAPFA) is one of the largest professional organizations of fee-only financial advisors in the country. It has a find an advisor link on its website. You can search by zip code and then further by area of specialization. Note that NAPFA members run the gamut from solo practitioners to large multi-advisor firms. Additionally, NAPFA members offer a wide range of service options, including hourly as-needed services, ongoing investment and portfolio advice, and almost everything in between.1 The Garrett Planning Network is another organization of fee-only financial planners who mostly focus on providing hourly advice. There is a degree of overlap in the membership of the Garrett Planning Network and NAPFA. It also has a "find an advisor" function.2 The accounting profession also has a financial planning designation for Certified Public Accountants (CPAs) called Personal Financial Specialists (PFS). Please note that while many holders of the PFS designation are fee-only, they are not required to be. As you contact advisors, you will need to ask these folks how they are compensated.3 The Certified Financial Planner Board also has a directory of financial advisors who hold the CFP® designation. Again, being a CFP® does not mean the advisor is fee-only. The CFP® Board recently has revised its compensation classifications to include fee-only, fee-and-commission, and commission. There has been some controversy surrounding its definition of fee-only, so investors using this database need to ask and be diligent in investigating advisors found here to ensure they are fee-only. The CFP® Board hosts a 'Find a Financial Planner' tool on their websit Read the full article

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Annual Plan Review

What does it mean to review the annual plan? An annual planning review is the systematic and periodic evaluation of an individual's or company's financial plan to ensure that the plan is consistent with current goals and objectives. This review is typically conducted annually and includes a detailed analysis of various financial aspects such as investment, insurance and property planning. The importance of reviewing the annual plan The importance of reviewing the annual plan should be considered. It enables individuals and businesses to track their financial situation, identify potential problems, and make necessary adjustments to meet their goals. Annual Plan Review The review process also provides an opportunity to reprioritize, assess investment strategies and improve tax planning. Goals and Objectives of the Annual Plan Revision The main goals and objectives of the Annual Plan Revision are: Assess your current financial situation Identify areas for improvement Setting new financial targets or reviewing existing targets develop an action plan to achieve these goals Schedule a review meeting A suitable time should be set for reviewing the annual plan, preferably at the end of the fiscal year or the beginning of the calendar year. This is a good time to start the new year with a clean slate by taking a comprehensive assessment of the financial performance of the previous year. Annual Plan Review Invite all stakeholders, including family members, business partners, and financial advisors, to participate in the annual plan review. Their opinions ensure a thorough analysis of your financial situation and a collaborative approach to decision making. Collect the necessary financial documents and information Prior to the review meeting, collect all necessary financial documents and information, including: financial report budget tax documents investment data insurance Assess your current financial situation previous analysis   5 steps to create a highly effective annual plan Don't get me wrong. Creating and managing an annual planning process can be a daunting task. But with the right approach, you can get it right and start implementing it sooner. Here's how to plan your year correctly. 1. Analyze performance and identify opportunities Before setting goals, you should analyze your company's current performance, market, and competitors to see where your company stands. Here are some of the tools you can use in this process. SWOT analysis Pestle analysis Porter's Five Forces Competitor analysis Financial results for the previous year gap analysis A deeper understanding of current performance will help you make data-driven decisions in the next steps of the planning process. Want to look perfect? Don't forget to list the key stakeholders involved in the day-to-day implementation of your annual plan. Who should be included in the analysis process:   Executives: Responsible for setting the overall direction and strategy of the organization. Department and Team Leaders: Can provide insight into group capabilities and resources. It gives you insight into your team's specific needs and concerns, ensuring that your operational plans are aligned with your annual plans. Employees: Employees often have valuable information and ideas that can help improve planning. By including them in your planning process, you can leverage this wealth of knowledge to identify new opportunities and problems that might otherwise go unnoticed. Customers: Customer reviews are important to understand the needs and priorities of your target market. Suppliers and Partners. Depending on the nature of your business, it may be beneficial to involve your suppliers and partners in your strategic planning process. They provide valuable insight into industry trends and potential issues. Read the full article

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Best Trading Platforms for Day Trading

methodology NerdWallet's comprehensive review process reviews and ranks the top US brokers and robo-advisors. Our goal is to provide you with an independent evaluation of service providers, giving you the information to make an informed decision about which provider best suits your needs. We adhere to strict rules of editorial integrity. We collect data directly from service providers through in-depth research, testing, and direct monitoring with provider demos. Survey responses, demonstrations, interviews with supplier employees, and expert case studies ensure the effectiveness of our evaluation process, which evaluates each supplier's performance based on over 20 factors. The final score gives a star rating from poor (1 star) to excellent (5 stars). For more information on the categories considered when evaluating service providers and our activities, please refer to the overall broker evaluation methodology and the overall robo advisor evaluation methodology. To summarize our selection. Best NerdWallet Trading Platforms for Day Trading May 2023 dedication e-commerce   Autonomous Driving Merrell Edge® Interactive Brokers IBKR Pro TD Ameritrade trading post JP Morgan Sole Investment sack trade pioneer investment allies Charles Schwab  

Day trading is buying a stock and selling the same stock before the market closes. Intraday traders trade far more than the average investor, so keeping costs down is almost as important as working in the right direction at the right time. Day traders need specialized tools to provide them with the information they need and to react quickly to it. Having completed thousands of trades, we know firsthand that choosing a reliable intraday trading platform with the necessary trading tools is very important and each trader has unique requirements. I'm here. That is why we are so detailed in our broker review. We tested and evaluated 17 online brokers during our 2023 Annual Stock Broker Review. To find the best intraday trading platform, we focused on both web and desktop platforms, evaluating dozens of features, design and user appeal for each platform.. Naturally, we also estimated transaction costs such as commissions and order execution. We prefer brokers that combine easy-to-use tools with affordable (or even low) costs. What is day trading? Day trading is a strategy in which traders buy and sell stocks on the trading day. The goal is to end each trading session with a net profit after deducting costs. Day traders typically take 60 minutes at the beginning (9:30 a.m. to 10:30 a.m. ET) and 30 minutes at the end (3:30 p.m. to 4:00 p.m. ET) of each market session when price movements peak. 00 minutes).

Regulators require intraday traders to maintain higher levels of shares in their accounts than other investors. If you make 4 or more trades (buying or selling the same security) within a 5 business day period, your broker must establish a "day trader model". Read the full article

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Using this compound interest calculator

What is compound interest For savers, the definition of compound interest is important. Compound interest is the interest earned on the principal plus the interest that keeps accumulating. With compound interest, your savings will grow faster over time. An account that pays compound interest, such as a standard savings account, adds income to the original principal at the end of each interest period, usually daily or monthly. Your balance increases as interest is calculated and added to your account. With the compound interest formula, your account will earn more interest in the next compounding period. For example, $10,000 in a savings account with an annual interest rate of 4% will compound interest daily, earning $408 in year 1, $425 in year 2, and an additional $442 in year 3. You can. After 10 years of compounding, you will have earned a total profit of $4,918. But keep in mind this is just an example. For long-term savings, there are better places to keep your money than savings accounts like Roth and traditional IRAs and CDs. Double your return on investment Investing in the stock market yields returns based on changes in the value of your investment rather than fixed interest rates. When the value of your investment rises, you earn income. If you store money and invest the profits you make in the market, the profits will grow over time, just like interest. If you invest $10,000 in a mutual fund and the fund returns 6% in one year, you've earned $600 and your investment is worth $10,600. With an average return of 6% next year, your investment would be worth $11,236. This money can actually increase over the years. If you keep this money in your retirement account for 30 years and the average rate of return is say 6%, $10,000 will grow to over $57,000. When it comes to investments, there are plenty of options available, depending on your life stage, goals, and the sum you’re able to invest. Regardless of your situation, if you're interested in boosting your savings over the long term, a compound interest savings account might be precisely what you’re looking for. Understanding how compound interest works will help you to make smarter investment decisions. In this article, you'll learn what compound interest is, how it can increase your savings over time, and how to find out if it's the right option for you. Ready? Let's go.

What is compound interest?

  Let’s get really granular: The word "compound" refers to something made of two or more elements, while “interest” is money paid for money lent or deposited. Given this, compound interest is effectively interest that’s calculated on an account’s principal balance—which, for a savings account, is the original balance that you deposit. In the case of compound interest, you’re generating "interest upon interest." It adds interest based on the initial interest rate, and this includes interest accumulated from previous periods.   Compound interest can combine interests on any given schedule: daily, monthly, or even annually. So, with a savings account that earns compound interest, you’ll earn interest on the initial principal and the accumulated interest over time. Let's look at some examples to understand more. Read the full article

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eadership and purpose: Purpose-driven business leaders This text was originally written by MAD-HR Ltd. Copyright © 2023 MAD-HR Ltd. All rights reserved: https://www.mad-hr.co.uk/blog/leadership-and-purpose-purpose-driven-business-leaders

Today's social media-dependent society means companies operate in "glass boxes," as Steven Bartlett often puts it in his memoirs for his CEO podcast series. Consumers and employees alike expect transparency and judgment based on what they see and feel. What does it mean to drive with intention? Purpose here refers to the company's reason for existence other than to benefit shareholders and owners. As Simon Sinek put it in his TED talk, it's "why" you do what you do. Why travel with intention? When you know your purpose as a leader and what you have to offer, that becomes your guiding light, the north star. Purpose-driven companies are 30% more likely to innovate and 40% more likely to retain than their competitors, according to Deloitte research, so when values ​​and purpose are combined, it has a positive impact on company culture and performance. Purposefulness is meaningful. Purpose-driven organizations are more transparent, motivated and gratifying by building strong employer brands and compelling value propositions. This helps improve employee engagement, retention and overall satisfaction. Externally, having goals increases customer loyalty and word-of-mouth recommendations, giving you a competitive advantage. What's the problem?   Stay focused This text was originally written by MAD-HR Ltd. Copyright © 2023 MAD-HR Ltd. All rights reserved: https://www.mad-hr.co.uk/blog/leadership-and-purpose-purpose-driven-business-leaders This is not for the faint of heart. Today's workforce cares about how their organization treats its employees, customers, communities and environment, so they are prepared to make decisions with consistency and purpose in mind. must be During the pandemic, we've seen people boycott brands that don't live up to expectations.   What are the challenges?   This text was originally written by MAD-HR Ltd. Copyright © 2023 MAD-HR Ltd. All rights reserved: https://www.mad-hr.co.uk/blog/leadership-and-purpose-purpose-driven-business-leaders It can be difficult. Being a leader is a lonely place, and many leaders are surrounded by people who say, "Yes, I need my people to tell me when I deviate from my goals." is not.   Important tips for driving with purpose make a plan Leadership with purpose requires planning activities to support them and create experiences. Read the full article

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‘Reprivatise DisCos, improve energy mix’ — Agora Policy proffers solutions to power sector challenges

Agora Policy, an Abuja-based think tank, has recommended ways the new government can address issues affecting Nigeria's energy sector. Agora Policy, in its policy note “Sustainable Energy Initiatives in Nigeria,” emphasizes the importance of an adequate and reliable power supply for individual well-being, economic growth and the development of the nation as a whole. said not too much. The group said many efforts and reforms aimed at building the best energy sector for the country had failed. Agora Policy, citing World Bank data, said Nigeria had the largest energy access gap in the world. advertisement The group said 85 million Nigerians, or 43 percent of the Nigerian population, lack access to the grid. While acknowledging the efforts made by the government to date, the Agora Policy notes that "the modest progress made in the energy sector since 1999 has not kept pace with population growth and reduced energy demand necessary to achieve economic viability." It's not enough to fill the gap," he said.. ”. ” The group recommended the policy to the new government, saying it needed to stop thinking about installed capacity and start thinking about electricity supply. advertisement “This is policy thinking that will transform the prioritization and allocation of public and private resources to projects, interventions and initiatives across the electricity value chain that improve energy production, affordability and reliability, which will benefit governments. A key paradigm shift affecting “the quality of supply, namely electricity,” Agora Polisi said.   ‘Reprivatise DisCos, improve energy mix’ — Agora Policy proffers solutions to power sector challenges Other policy proposals include the continuation of the Buhari administration's program in the energy sector. Develop a new national power policy framework and amend the Power Sector Reform Act (EPSRA). and set the position The failed DisCos in administration should be broken into smaller franchise areas preferably along state boundaries, and privatised as new entities. “Lastly, there is the “unspoken” issue of the payment of the huge market debts in the sector. For instance, GenCos claim that they are owed over $1 billion by the NBET. It is unclear how the new government would address the payment of these debts. ‘Reprivatise DisCos, improve energy mix’ — Agora Policy proffers solutions to power sector challenges “There is a temptation to delve into more tactical issues and challenges in the power sector such as resolving the metering gap, estimated billing, resolution of financial distress in the power sector and other operational issues affecting the electricity industry. “Putting together the tactical plan to resolve the issues should be left with the power sector team to be assembled by the incoming administration.” Read the full article

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China stock swoon could boost US real estate

Such turmoil will not come from the world's second largest economy alone. This has a significant impact on the global economy, affecting international trade, investment strategies and foreign exchange markets. The ripples of China's stock market volatility can be felt far away. Secondly. Understanding the US Real Estate Market Current trends in US real estate.   The U.S. real estate market is currently on an uptrend, fueled by low interest rates, good credit conditions and demand for space due to the trend of working from home due to the pandemic. Factors Affecting the US Real Estate Market   Many factors influence the rise and fall of this market. These include demographics, technological advances, economic performance and changes in global financial conditions, among others.     The third. Relationship between the global economy and real estate How are economic changes affecting the real estate market? Tectonic changes in the global economy are impacting real estate markets around the world. Economic fluctuations can affect investor confidence, access to capital, exchange rates and, in turn, real estate prices and demand.

A Historical Case of Stock Market Changes Affecting Real Estate

  For example, the 2008 financial crisis crashed stock markets around the world and shrunk the real estate market in the United States. Similarly, the Asian financial crisis in the late 1990s had a major impact on real estate investment.  

China stock swoon could boost US real estate the 4th. Potential Impact of Chinese Stock Market Fall on U.S. Real Estate Direct impact on US real estate A plunge in China's stock market could lead to capital movement as investors seek safe assets such as U.S. real estate. This increased demand could drive up property prices, benefiting existing property owners, but could make homeownership less affordable for others. Secondary and tertiary effects Ripple effects could include increased competition in the real estate market. Read the full article

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World Bank seeks grants, new capital to fight global crises

The World Bank COO said on Tuesday that the World Bank will receive more subsidies from member countries while using its balance sheet to boost lending in response to climate change and other global crises. said it will seek new capital. Financial institutions will seek donor support for a newly created crisis fund for the world's poorest countries facing overlapping global crises such as extreme weather, Anna Vardy said in an interview.

World Bank seeks grants, new capital to fight global crises ANILA, May 23 (Reuters) - The World Bank will press for more grants and new capital from member countries, even as it leverages its balance sheet to scale up lending for responses to climate change and other global crises, its managing director of operations said on Tuesday. The lender will rally donor support for a newly established crisis facility for the world's poorest countries that face overlapping global crises, including severe climate events, Anna Bjerde said in an interview. Advertisement · Scroll to continue   "We hope to be able to really conclude and have a very strong interest in funding this by the end of the year," Bjerde said, adding that multiple billions of dollars were needed for the crisis facility.

That facility sits within the International Development Association (IDA) fund, the World Bank's fund for the poorest countries. The last replenishment was fast depleted by the pandemic. COVID-19 pushed many poor countries into debt distress as they were expected to continue servicing their obligations in spite of the massive shock to their finances. Bjerde is hoping for major progress in courting interest in the facility at the annual meetings of the International Monetary Fund (IMF) and World Bank in Morocco in October. "We need to really get grants from developed and higher income countries, rich countries, to provide resource transfers to the lower income countries," she said. The World Bank, whose 25-member executive board on May 3 elected a new president, wants to increase lending to ensure it can better tackle issues such as climate change, pandemics and conflict. "We need to continuously work on what we call under the evolution roadmap - a better bank but also a bigger bank," Bjerde said. The World Bank's "evolution road map" calls on its management to develop specific proposals to change its mission, operating model and financial capacity. Read the full article

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Finger Food Ideas For Christmas In Under 30 Minutes

“Food freedom” is a complex term, with definitions ranging from food culture and abandoning restrictive diets to achieving health and food security by growing your own food. It is positioned as an approach to treating eating disorders for some and as a way to promote intentional weight loss for others. But in the field of health and wellness, this is a new and revolutionary concept that challenges society's dietary norms and ideals of thinness. He is backed by passionate medical professionals and game creators like Shana Spence (@thenutritiontea). Spence is a registered dietitian who takes a healthy, non-diet approach to weight loss. She's using her platform to redefine what "healthy" means, moving away from the elusive standards of the diet industry. Dr. Kira Nymbe Diop (@black.nutritionist) is also a passionate and influential advocate for food freedom, advocating the essentials of body respect, guilt-free eating, and a healthy lifestyle. We created a space that focuses on reclaiming the tradition of food culture as a part.. Lifestyle. This article explores freedom from food, explains what intuitive and mindful eating are, and discusses the role, if any, they can play in the quest for intentional weight loss.. What is Food Freedom?   Liberation from industrial food production Efforts to Promote Food Sovereignty Gastronomy is the science of historical cultural products and their effects on human health. A Spiritual Journey to Overcome a “Food Addiction” Edit some weight loss programs like Whole30 In other contexts, dietary freedom means moving away from food cultures and restrictive diets and giving permission to enjoy all foods in moderation (if allergies or medical conditions prevent you from eating certain foods). except for). Read the full article

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YNAP sees slightly slower sales growth after strong

YNAP sees slightly slower sales growth after strong LAN (Reuters) - Italian online clothing retailer Yux Net-a-Porter expects sales growth to slow slightly this year after strong sales boosted provisional underlying profit by 26% last year. there is In early October, Italy's Yoox partnered with high-end rival Net-a-Porter for an all-stock deal, bringing the burgeoning online luxury market leader to Swiss luxury group Richemont. CFR.C) acquired a 50% stake. ).. YNAP surpassed expectations last month, reporting estimated sales of €1.7 billion in 2015, up 31% as consumers across regions increasingly shop on mobile devices. FEATURES YNAP sees slightly slower sales growth after strong     After discontinuing the batch of coins, initial sales increased by 21%.     The company said this year's sales will increase among teens excluding the impact of currency fluctuations. The increase due to the exchange rate will also be small.     “The tailwind (from currency) that we had in 2015 is no longer there, at least in the first quarter of this year,” Chief Financial Officer Enrico Cavaulta said on a conference call with analysts. YNAP will invest €150 million this year, mainly in technology, to work with IBM to create a single platform to support all the group's online stores. YNAP owns 6 multi-brand shopping sites. Four, including Net-A-Porter.com, sell the latest fashion collections, while Yoox.com and The Outnet.com offer discounts on past seasons. It also operates online stores for luxury brands such as Armani and Valentino. Two of the four stores will be closed for the season this year to avoid duplication of customers. Contracts with six brands, including Roberto Cavalli and Brunello Cucinelli, which had a modest impact on sales in 2015, will not be renewed. YNAP's total adjusted EBITDA last year was €133.1 million, broadly in line with the €132.6 million average forecast in a Reuters poll of analysts.  

Figures adjusted to exclude expenses related to stock acquisition rights.

HANGING A BAD DIET: THE EVOLUTION OF MY NUTRITIONAL INTAKE

I started by focusing only on my total calories and the amount of fat, carbohydrates and protein I consumed each day. I did my best to be mindful and evaluate each meal and snack I ate. After hearing about my project, friends and family members started asking me how they can get started on the path to lifestyle change. My advice is twofold,

When I first thought about the behavioral changes needed to meet the federal diet and physical activity recommendations year-round, I naively thought I could flip a switch one morning and follow all the rules. A cream cheese cupcake magically transforms into a protein omelet. A slice of pepperoni pizza turns into chicken, brown rice, and lots of colorful vegetables. I was trying to somehow move from the living room sofa to the treadmill. Read the full article

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Wanderlust Wives journey around the world

Wanderlust Wives journey around the world Miranda Matucci and Caitlin Briscoe are preparing to sell the camper they bought three years ago for their trip around the world.   "Every time I drive a car, I want to get behind the wheel again, but it's time to put an end to this chapter of our lives," Briscoe told CTV News.  

  Why travel with me?   anderlust Solo Women Tours is all about supporting you to travel confidently and have a great time doing so, in a safe environment where you feel like you belong. Are you tired of waiting for someone to travel with? Want to share amazing adventures with like-minded souls or are just not that confident to travel solo?

Wanderlust Wives journey around the world

    Women from all walks of life and no matter their age are warmly welcome to start their travel journey with us. We are here to enable you to take out some well-deserved time for yourself and remember how to live joyfully and rediscover the true you. Where you come along as a stranger but leave as a friend. Our small group size and boutique retreat style allow for genuine connections and an authentic personal experience. You will enjoy a balance of beautiful sights, fun activities, and relaxation, all whilst discovering some great secrets only the locals know. Have fun and rejuvenate! The couple sold their home, quit their jobs, and, inspired by a fateful event, embarked on a dream journey. "My close relatives had cancer and someone died young," Mattucci explained, adding that it changed their outlook on life.   Wanderlust Wives journey around the world The two decided it was time to travel the world. "Tomorrow is not guaranteed," she added. They first headed west through Canada and then back east through the United States, making several stops along the way. One of my stays was in Florida to visit family, where I stayed for a month, chatting with other like-minded travelers and making new friends who had been on a similar journey.. Wanderlust Wife - London - May 2023 We documented our experiences at each stop on our Instagram page @wanderlust.wives.  

  What started as a way to update family and friends, eventually grew to over 3,000 viewers interested in the couple's new lifestyle. After their North American tour, the couple traveled to Europe, Southeast Asia, and the Pacific. They swam with sharks, skydived, and climbed mountains. “A lot of people look forward to retirement, but you never know when they will be alive and ready to travel and do the things on their list,” Mattucci urged. Three years later, Briscoe and Mattucci are back in London to close this chapter on their once-in-a-lifetime experience. “It was hard for me to take the plunge and take my mind off my career, sell my house and lose stability, but it was worth it. said. Read the full article

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How to Invest in Stocks: A Beginner’s Guide

How to Invest in Stocks: A Beginner’s Guide

You work hard for your money. And you should be able to keep as much of it in your pocket as possible. But if you're thinking of investing your hard-earned cash to increase your net worth, there are some things you should keep in mind. Investing comes at a cost. There's certainly risk involved which can eat away at your profits. But something else that can chip away at your bottom line is the cost—from fees to commissions. And it can all add up. So can you actually put your money away and keep your expenses low? The short answer is yes. Read on to find out more about how to keep these costs from depleting your profits.   KEY TAKEAWAYS Investment expenses include brokerage fees, commissions, and management and advisory fees. Commissions and fees aren't universal—they vary from firm to firm. Keep your expenses down by investing with a no-fee brokerage firm or trading house. Robo-advisors use algorithms to manage portfolios, so they may come with low or no fees. Types of Investment Fees Most investments come with some type of fee. It's one of the only ways banks and other firms can make money. By charging you a fee, these institutions can keep running and offer you their services. Even the simplest investment vehicle comes with some form of service charge. Most savings accounts, for instance, charge a fee if you don't keep a minimum balance and you will incur a service charge if you make more than one withdrawal a month. It's your money, so why do you get hit with a fee? The account is, after all, meant for you to save your money. This principle—of charging a fee—is pretty consistent across the board. Businesses charge you money in order to keep and handle your accounts. But they also do the same when you want to move your money around. At times, you may feel like you're paying more than you're investing. Surely, there must be a way to keep that to a minimum, right? Of course, there is. But before we outline how you can keep your money in your account by not paying outrageous fees, here's a quick look at some of the most common expenses that come with investing.   Brokerage Fee A brokerage fee is charged by many different financial services companies including brokerage firms, real estate houses, and financial institutions. This fee is normally charged annually to maintain client accounts, pay for any research and/or subscriptions, or to access any investment platforms. These fees may also cover instances if and when an account goes dormant. Brokerage fees may be a certain percentage of the balance held in a client's account or a flat fee.   Commissions Brokers and investment advisors often charge clients commissions for using their services. These are also called trading fees. They basically pay for any investment advice or to execute orders on the sale or purchase of securities including stocks. commodities, options, or exchange-traded funds (ETFs). Commission charges vary from firm to firm, so it's important to verify a brokerage's fee schedule before you decide to use their services. Management or Advisory Fees Management or advisory fees are charged by companies that run investment funds. Fund managers are compensated with these fees for their expertise. Although they can vary between funds, most of these fees are based on a percentage of the assets under management (AUM) in each fund. The Basics of Trading Expenses There is no universal system regarding trading commissions or other fees charged by brokerage firms and other investment houses. Some charge rather steep fees for each trade, while others charge very little, depending on the level of service they provide. A discount brokerage firm may charge as little as $10 for a common stock trade or even less, while a full-service broker might easily charge $100 or more per trade. Fees vary from firm to firm—some fees are very steep, while others are fairly cheap. So how much you pay actually has more to do with the amount of money you invest in each trade rather than how often you trade. If you only have $1,000 to invest in a trade and you're using a discount broker who charges $20 per trade, 2% of the value of your trade is eaten away by the commission fee when you first enter your position. When you eventually decide to close out of your trade, you will likely pay another $20 commission fee, which means the round-trip cost of the trade is $40, or 4% of your initial cash amount. That means you will need to earn at least a 4% return on your trade before you break even and can begin to make a profit. With this type of fee structure, which is quite common, it really does not matter how often you trade. All that matters is that your trades make enough of a percentage gain to cover the costs of your commission fees. However, there is one caveat—some brokerage firms give commission discounts to investors who make many trades. For example, a brokerage firm may charge $20 per trade for its regular customers, but may only charge $10 per trade for customers who make 50 trades or more per month. In other cases, investors and brokers may agree to a fixed annual percentage fee. Because you pay the same annual percentage fee, it doesn't really matter how often you trade. Keep Your Expenses Down Even though fees are an integral part of the financial system, you don't have to be beholden to them. There is a way that you can keep your expenses down and continue investing. Consider investing your money with a firm that charges no commissions or fees for stock and ETF trades. More firms—especially small companies and those that are new to the game—are adopting this structure to attract and retain clients. Some of these firms also waive the minimum deposit requirement, so you can start off with a low balance at no additional cost. You will, however, want to check on their fee structure for other investment vehicles along with any other fees they may charge to see if it balances out. Automated investment platforms may also help cut down on your expenses. Robo-advisors are a relatively new trend in the financial industry and can be great for small investors because they have low fees. This means more money in your pocket. They can afford to do this because they're automated, so they don't have anyone physically managing client accounts. Instead, robo-advisors use algorithms to maintain and reallocate your holdings according to your risk tolerance and investment goals.   Minimizing commissions and fees can have a huge impact on your investing career. Here are three ways to do so:   Invest in exchange-traded funds (ETFs) rather than mutual funds. The expense ratios are almost always lower for an ETF versus a comparable mutual fund. It is now very easy to build a low cost, well-diversified portfolio using ETFs with an expense ratio of 0.25% or less per year. Avoid products with front-end loads, back-end loads or 12b-1 fees. These are typically found within mutual funds, but not ETFs. Seek out ETFs with no trading fees. A growing number of fund families are waiving trading fees on their ETFs. If you do decide to invest in a fund with a trading fee, try to invest more than $1,000 per fund. Compete Risk Free with $100,000 in Virtual Cash   Put your trading skills to the test with our FREE Stock Simulator. Compete with thousands of Investopedia traders and trade your way to the top! Submit trades in a virtual environment before you start risking your own money. Practice trading strategies so that when you're ready to enter the real market, you've had the practice you need. Try our Stock Simulator today.   Read the full article

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Loans for students

  You apply for a federal student loan by submitting a FAFSA. Taking on a federal loan means you’re borrowing from the government. You apply for a private student loan through a bank, credit union or online lender. Federal student loans also have flat interest rates set by Congress, while the interest rate on a private student loan depends on your or your co-signer’s credit. Federal loans charge origination fees; private loans typically do not. Federal student loans offer borrowers protections and alternative repayment options that private loans usually don't, such as income-based repayment and forgiveness programs. The current interest-free loan forbearance does not include private student loans; any future forgiveness offer is unlikely to include them. Compare offers from multiple lenders including banks, credit unions, online companies and statebased lenders to find the lowest interest rate. Depending on the lender, you may be able to choose a fixed or a variable interest rate. A fixed rate stays the same throughout the life of a loan. A variable rate may start out lower than a fixed rate, but could increase or decrease over time depending on economic conditions. Consider any borrower protections your private lender offers, including deferment and forbearance, as well as repayment options. You may also have the option to choose your loan term, which means you could pay off your loan faster and with less interest by making higher payments or pay lower amounts with more interest over a longer period of time. How do I qualify for a private student loan?   Each lender will have its own requirements for taking out a loan. With most loans for students, credit score and income are taken into account. Higher scores and incomes tend to get the best rates or higher borrowing amounts. However, since undergraduate borrowers are less likely to have established credit or an income, lenders will usually require students to apply with a co-signer. Some lenders who have loans for borrowers without a co-signer will consider career and income potential. Lenders will often require you to attend a Title IV school, which means your school processes federal student aid. Some lenders don't offer loans in certain states. Can I get a private student loan with bad credit?   You’ll have a hard time finding a private student loan from a bank, credit union or online lender if you have bad credit. Federal student loans don’t require borrowers to demonstrate creditworthiness, so they’ll be your best option. If you’ve already hit your limit on federal loans, you may be able to get a private student loan if you apply with a co-signer who has solid credit — typically scores in the high 600s or better.   If you have no income and either no credit or bad credit, you’ll need a co-signer to get a private student loan. Without bills in your name, such as a credit card, car loan or utility, you have no way to demonstrate that you can pay bills on time. Your co-signer will need to have a steady income as well as good to excellent credit scores, typically at least in the high 600s. Signing with a co-signer means they’re on the hook for your loan bill if you can’t pay. Some lenders offer loans exclusively for student borrowers that don't take credit into consideration. Instead, these lenders look at the school you’re attending as well as your income and career potential to determine the amount you can borrow and at what rate.           How do I apply for a private student loan?   Each lender will have its own application requirements. You’ll usually need to provide documents that prove citizenship, identity and income along with school attendance and cost information or a financial aid award letter from your college. As part of underwriting, you or your co-signer will need to show you have a credit score in the high 600s or higher, as well as cash flow to make loan payments. They’ll also look at your or your co-signer’s debt-to-income ratio to make sure you have the funds to pay a student loan bill in addition to any other bills in your name.   Private student loan interest rates   The NerdWallet team of student loans experts analyzed reported rates from 24 lenders over a period of 38 months. We considered four variables — average maximum fixed rates, average minimum fixed rates, average maximum variable rates and average minimum variable rates — for each lender on a month-over-month basis. The average rates as of Apr. 19, 2023, were: Minimum fixed interest rate - 5.87%. Maximum fixed interest rate - 13.23%. Minimum variable interest rate - 6.80%. Maximum variable interest rate - 14.33%. Average rates in general have continued to trend upward over the last 12 months. All average rates — except maximum fixed rates — have increased since last month. The reported rates represent lenders' advertised ranges. It's best to prequalify with multiple lenders to ensure you accept the best rate available to you. Lenders typically offer the lowest rates to those with the strongest financial profiles. Based on our analysis, less than 30% of borrowers are offered the lowest rate. That percentage includes companies that offer all borrowers the same rate. Excluding those companies, less than 18% of borrowers are offered the lowest rate. Use this chart and data to gauge how your student loan offers measure against typical interest rate ranges. How exactly do student loan interest rates work? Learn more about how student loan interest rates are determined, including a history of rate changes through the years. Private student loan interest rates can sometimes be lower than federal rates, but approval for the lowest rates requires excellent credit. If you have good credit, you may be able to refinance existing student loans to get a lower rate. Sallie Mae study: Less than half of families with college-bound students feel confident about paying for college. Among families with college-bound students, 47% think they’ll need to borrow to finance a college education, according to Sallie Mae’s 2022 College Confidence study. Yet just under half of those families identified federal direct subsidized and unsubsidized loans as aid that needs to be repaid, underlining the importance of learning the obligations of the debt you’ve been offered before accepting it. Additionally, those families with college-bound students aren’t clear on the purpose of the FAFSA; 34% don’t know why someone would submit the FAFSA, and 44% don’t know that it’s for everyone, regardless of income level. If you or your child are considering going to college, familiarize yourself with all of the options available to you to fund that education –– and submit the FAFSA to be considered for the most aid possible. NerdWallet study: College-bound grads could exit with nearly $40K of student loan debt A 2022 high school graduate who will depend on student loans to pay for college could expect to borrow $39,500 for their bachelor’s degree, according to a new NerdWallet analysis. The share of parents taking out federal parent PLUS loans to help cover the costs of their children's college education has also grown significantly. For more details, and to learn a number of ways to cut down on the amount borrowed for a bachelor's degree before, during and after college, see the full study here.   STUDENT LOAN RATINGS METHODOLOGY   Our survey of more than 29 banks, credit unions and online lenders offering student loans and student loan refinancing includes the top 10 lenders by market share and top 10 lenders by online search volume, as well as lenders that serve specialty or nontraditional markets. We consider 40 features and data points for each financial institution. Depending on the category, these include the availability of biweekly payments through autopay, minimum credit score and income requirement disclosures, availability to borrowers in all states, extended grace periods and in-house customer service. The stars represent ratings from poor (one star) to excellent (five stars). Ratings are rounded to the nearest half-star. Read more about our ratings methodologies for student loans and our editorial guidelines. Last updated on April 19, 2023 To recap our selections.

Step 2: Determine your budget 

Once you've got some solid goals set, it's time to review your budget. Here are some things to consider: Your current after-tax income. Many people look at their pre-tax income, but you want to know how much money you're working with after taxes which can help you create a realistic budget. Your expenses. How much are your monthly expenses? How much do you have leftover each month? Is it possible to reduce or cut some expenses? Overall debt. How much debt do you currently have? List out your monthly payments and compare that against what you're making. Net worth. Your net worth is your total assets minus your liabilities. This number can give you an idea of where you're at financially and will allow you to get a "big-picture" snapshot of your financial health. Financial goals. As we mentioned before, knowing your goals is important as it gives your money a purpose. Risk tolerance. How much risk do you feel comfortable taking on? Calculating this will give you a clearer idea of what you can afford to lose. Time horizon. How much time do you have before you want to reach your investing goals? This is key to mapping out your finances to ensure you're keeping pace with when and how to invest without disrupting your budget or other goals not related to trading securities. All of these are key ingredients that can help you determine your budget. One last thing to consider: when you expect to retire. For example, if you have 30 years to save for retirement, you can use a retirement calculator to assess how much you might need and how much you should save each month. When setting a budget, make sure you can afford it and that it is helping you reach your goals.

Step 3: Get acquainted with various stocks and funds 

Now it's time to start doing research on what to invest in. There are different ways to invest in the stock market and there's a lot to know so doing your research is well worth your time. Stocks are a good option to consider if you want to invest in specific companies. Just keep in mind that you should look into the company itself and how it's performing over time: Stocks — A stock is a security that gives stockholders the opportunity to buy a fractional share of ownership in a particular company. There are many different types of stocks to choose from, such as blue-chip stocks, growth stocks, and penny stocks, so make sure you understand your options, what they offer, and what matches with your budget and investing goals. "If you're going to pick a stock, look at the financial statements and select the stock based on the "bucket" you're trying to fill in your portfolio. For example, are you looking for a dividend stock? Look at the dividend history. Are you looking for a growth stock? Look at the earnings per share: Is it showing consistent growth? how these indicators measure against peer group," says Amy Irvine, a CFP® professional at Rooted Planning Group. So you want to take steps to look at your income and expense balance sheets and make sure you're hitting the right bucket — which refers to the grouping of related assets or categories — for your investing needs. For example, investing in small-cap, mid-cap, or large-cap stocks, are a way to invest in different-sized companies with varying market capitalizations and degrees of risk. If you're looking to go the DIY route or want the option to have your securities professionally managed, you can consider ETFs, mutual funds, or index funds: Exchange-traded funds (ETFs) — ETFs are a type of exchange-traded investment product that must register with the SEC and allows investors to pool money and invest in stocks, bonds, or assets that are traded on the US stock exchange. There are two types of ETFs: Index-based ETFs and actively managed ETFs. Index-based ETFs track a particular securities index like the S&P 500 and invest in those securities contained within that index. Actively managed ETFs aren't based on an index and instead aim to achieve an investment objective by investing in a portfolio of securities that will meet that goal and are managed by an advisor. Mutual funds — this investment vehicle also allows investors to pool their money to invest in various assets, and are similar to some ETFs in that way. However, mutual funds are always actively managed by a fund manager. Most mutual funds fall into one of four main categories: bond funds, money market funds, stock funds, and target-date funds. Index funds — this type of investment vehicle is a mutual fund Read the full article

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تحميل فيسبوك مهكر Facebook mod للاندرويد آخر اصدار 2022

إذا كنت ترغب في تغيير ألوان خاصة على Facebook وكنت من محبي الكمال، فسيساعدك هذا التطبيق في تنزيل فايسبوك مهكر سيساعدك هذا في التعرف على كل التفاصيل. كل هذا وأكثر يمكنك من تحميل التطبيق مجانا عبر موقعنا الرسمي djihed.com يساعدك  أيضًا في العثور على العديد من الأصدقاء من مختلف أنحاء العالم والتعرف على المزيد عنهم وماذا يفعلون في حياتهم اليومية، من خلال عملية النشر. كما أنه يوفر تصميمًا غريبًا تحصل عليه مباشرة بعد تنزيل   لنظام Android، بالإضافة إلى العديد من الميزات الأخرى المعروضة في البرنامج. للحصول على أحدث إصدار من Facebook Cold: فيسبوك مهكر 2022 اخر اصدار هو تطبيق Facebook يسمح لك بتغيير مظهر تطبيق Facebook الخاص بك. هذه الميزة غير متوفرة في تطبيق Facebook الرسمي، لذا ستحتاج إلى تنزيل تطبيق آخر يسمى . وقضاء ساعات دون الشعور بالملل وتنظيف الأموات بشكل صحيح مع هذا التطبيق المذهل. يعد فيسبوك مهكر اخر اصدارأحد أكثر تطبيقات الوسائط الاجتماعية شهرة في العالم، كما أنه أحد برامج الجوال الرائدة مع أكثر من 2 مليار عملية تنزيل. يجعلك Facebook Gold أقرب إلى الأخبار، أقرب إليك شخصيًا، ويسمح لك بالتعبير عن نفسك، يتيح لك Facebook Gold الاتصالات. فيسبوك مهكر اخر اصدار مجاني على Android. يسعدنا اليوم أن نقدم لك تطبيق Facebook جديدًا باللون الذهبي يدعم جميع أجهزة الهواتف الذكية التي تعمل بنظام Android بإصدارات مختلفة. فيسبوك مهكر احدث اصدار على جميع إصدارات وأنظمة Android، لذلك لا يلزم وجود خبرة سابقة.   أهمية تحميل فيسبوك مهكر APK   - تطبيق فيسبوك مهكر APK لنظام Android أحد أفضل التطبيقات لأجهزة Android، وهو صغير الحجم على الهواتف المحمولة ولا توجد مشاكل أثناء استخدامه. - كما أنه يعمل على جميع إصدارات Android دون استثناء. لا يهم إذا كان إصدار هاتفك قديمًا أو أحدث، فلن تواجه أي مشاكل أو إخفاقات عند التثبيت من جهازك. - تطبيق فيسبوك مهكر APK هو نسخة محسنة من Facebook Blue، أفضل وأبسط إصدار، سهل الاستخدام وسلس للغاية. - وهي أيضًا نسخة محمولة خفيفة الوزن جدًا من الإصدار العاديي - عمل التطبيق بخاصية التحديث التلقائي المستمر من قبل مبرمج التطبيق، لإصلاح بعض الثغرات الصغيرة وإضافة المزيد من المميزات الجديدة لذلك - يعتبر هذا التطبيق أكثر شيوعاً واستخداماُ ونال إعجاب ال��ثير من المستخدمين. - صمم هذا التطبيق بأنه يحتوي على واجهة بسيطة وسهلة في الاستخدام وأكثر جاذبية.يمكنك مشاركة هذا التطبيق مع الأصدقاء بسهولة ويسر. - يتناسب هذا التطبيق مختلف أنواع الأجهزة البسيطة في الإمكانياتسلس هذا التطبيق  في الاستخدام وسهل ولا يوجد له أي تعقيدات في الاستخدام. - يحتوي التطبيق على الكثير من اللغات لسهولة الاستخدام حول مختلف العالم بيسر. Read the full article