Incurring debt is really common in this age and era as everything has become extremely expensive, from college education to owing a house. If you ever feel that your debt is too large and you may not be able to pay it in time, then you can seek the help of a debt settlement company. These companies essentially communicate with your creditor to try and lower your debt and the rest of it is typically forgiven. Given below is a list of the top 9 debt settlement companies in the USA. National Debt Relief If you have USD 7,500 or more in debt, then the National Debt Relief can be a great choice for you. It is one of the most prominent debt settlement companies in the country. The initial consultation is offered for free, but you will have to pay 15-25% of the settled debt amount as a fee. Freedom Debt Relief This a dedicated company that offers debt relief services to people who have at minimum USD 7,500 to USD 10,000 in debt. 15-25% of the settle debt amount is charged as fee once a settlement is negotiated, and in return, they offer the possibility of settling the debt within 24-48 months.

A reverse mortgage allows senior homeowners to monetize the equity in their homes. The money may be used to meet financial requirements post-retirement. Such a mortgage is available to people aged 62 years and above. A reverse mortgage provides tax-free cash with no monthly installments. However, stringent guidelines and rules apply to reverse mortgage loans. The most common type of reverse mortgage is the Home Equity Conversion Mortgage (HECM) provided by the Department of Housing and Urban Development (HUD). Eligibility criteria To qualify for a HECM loan, here are the reverse mortgage eligibility criteria you need to meet: You need to be at least 62 years old. The home should be your primary residence, and you should be a resident of that property for a year or more. You should own the home, or a low balance should be outstanding on your home mortgage; the balance should be paid off before closing the HECM reverse mortgage. There should be no delinquency on the federal debt, such as income tax or student loans; however, the amount received from the reverse mortgage may be used to repay such loans. Some portion of the reverse mortgage loan amount should be set aside to meet expenses, such as property taxes, maintenance and repair costs, and insurance.

Now and then, it is recommended you revisit your portfolio and realign it with your financial goals (which may also have changed amidst the current global pandemic). A popular investment is exchange-traded funds (ETFs), which allow you to hold a basket of high dividend-paying companies. It is a hybrid of mutual funds and stocks. Here are five of the top high dividend ETF funds that you can consider for investment during 2020: Vanguard Total Stock Market ETF (VTI) The CRSP US Total Market Index is tracked by the VTF. It is representative of almost 100% of the investable market, comprising micro-cap, small, mid, and stocks. As of March 31, 2020, the SEC yield was estimated at 2.20%, and the expense ratio was 0.03%. Vanguard Dividend Appreciation ETF (VIG) This fund keeps track of the NASDAQ US Dividend Achievers Select Index, which was previously known as the Dividend Achievers Select Index and covered approximately 182 stocks. As of December 2019, the expense ratio was 0.06%, and the SEC yield for the fund was about 1.80%. Vanguard High Dividend Yield ETF (VYM) This particular fund from Vanguard monitors the FTSE High Dividend Yield Index. The fund represented about 404 stocks of companies with high dividend yields as of November 2019.

In recent times, the older saving habits have slowly been replaced by the mindset to invest. A lot of people have realized that it is a better idea to invest money into something which allows it to grow rather than just hoard it in an account. It is important to remember that all investments are subject to market risks and carrying out thorough research is crucial. If finance is not your forte, you should seek the help of a person who can advise and guide you regarding investing your money. Do the following to find the best investment advisor for you: Determine the kind of advisor you need There are some professionals who provide you with advice on how to manage your finances but are not equipped at guiding you well with your investments. If you want to have someone help you with managing your finances, then find some who can fulfill that requirement. Once you feel you have accumulated enough wealth and are ready to invest, look for one of the best investment advisors in your locality. Make sure the person you choose for the job has expertise in that specific area and is a certified professional. For instance, if you wish to invest in the stock market, find someone who is an experienced fund manager.

When it comes to investing money, you can find thousands of different choices that promise to help grow your money. However, when you are investing your hard earned money to make your retired life more secure, you need to be extra careful about it. You need to find the safest and most rewarding investment plans for that, so you can enjoy your retired life in peace and security. Why invest in retirement plans Many experts suggest that the future investment scenario may not be favorable to investors. The interest rates will go higher, and the income growth will be slower than expected. Considering the rising cost of healthcare and maintaining a normal lifestyle, you will need to have enough money to live comfortably. That is why making the best retirement investments is very important. You must start to plan and find the right options to invest your money in, so you can comfortably finance your retired life. The three best retirement investments choices are as follows: Annuities When it comes to the best retirement investments, putting your money in annuities can significantly benefit you. It is an insurance policy that guarantees returns for the amount of money you have invested.

It is easy to be overwhelmed because of the number of credit card companies. You never know which one is better than the other unless you try them out, which is impossible. In such cases, how do you make a choice? A credit card company may be a bank, credit union, or anything in between that issues cards. On the other hand, card networks like Discover, Visa, American Express, and Mastercard work with card processors to execute transactions between the issuing company and merchants. Here are the top four credit card companies you can consider: American Express Popularly known as Amex, the company was founded in 1850 and is popular for credit and charge cards. It is the biggest charge card-issuing company and the third biggest credit card network in the country. The company is headquartered in New York City and is one of the most valuable global brands. Some of the popular Amex cards include Platinum Card and the American Express Gold Card. Bank of America Bank of America (BofA) is a multinational financial service and investment bank in the country. The institution has more than 54.6 million cardholders across 4800 retail financial centers. The popular Bank of America cards include the Premium Rewards Card and the Alaska Airlines Visa Signature Credit Card.

If you are considering establishing your own business, then you are probably worried about financing more than anything else. Getting guaranteed business loans surely is not easy. You need to get approval first, and even if you do, the interest rates may not be favorable to you. The good news is that the most prominent banks in the country have now started to approve loan applications from small businesses too. Wells Fargo Known as “America’s leading small business lender,” Wells Fargo has comfortably established themselves as the best hope for small business owners. The Unsecured Business Line of Credit and Unsecured Business Loan are the two best choices they offer for business owners who are looking for a loan. These are easier to get as they do not require any collateral. The Unsecured Business Line of Credit offers a credit line of $5,000 to $100,000. These can be used to cover unexpected expenses and cash flow requirements. On the other hand, the Unsecured Business Loan offers $10,000 to $100,000 as a medium-term loan with fixed rates. Depending on your eligibility, the interest rate will be anything from 7% to 22.99%. Bank of America If you are looking for guaranteed business loans, then Bank of America is the answer for you.

A Triple Net Lease Property, also known as NNN Property is a type of real-estate retail asset for single-tenant occupancy. An NNN property is different from most other rentable properties, as the tenants have to pay the insurance, maintenance fees, and taxes from their own pockets in addition to paying the rent. Listed below are the four NNN properties for sale in New York. John Deere New 20 Year Absolute NNN Lease Location : Chatham, New York Property Type : Retail Price : USD 1,600,000 (at the time of checking) Building Class : B Lot Size : 15.00 AC Number of Stories : 1 Year Built : 1974 If you are looking for John Deere dealership NNN properties for sale in New York, this particular property will definitely interest you. Located in Chatham, this retail property is available for a 20-year lease, with a 2% increase in rent per year. The property is located in a heavily-populated retail area, which will facilitate dense footfall and help your business accordingly. With a 100% fee simple interest, this NNN property surely belongs in your real-estate investment portfolio. Walgreens NNN Property Location : Long Beach, California Property Type : Retail Price : USD 8,500,000 (at the time of checking) Property Subtype :

Investing money is an excellent way to generate more wealth. However, there is a vast choice of investment options available. As a result, it can be challenging when it comes to making the right decision. Automated investing service providers, also known as robo advisors, help simplify your decision. These automated advisors help build, monitor, and manage your portfolio based on your investment objectives, age, and risk profile. You need to open an account, complete a short survey, and the robot advisor will then invest your funds, and build your portfolio. Choosing the best automated investing service provider is a difficult choice as there are many companies with such services. Some of the best service providers are: Betterment It is the oldest automated service provider and currently has about $13.5 billion in assets under management (AUM). Betterment is the largest independent robo-advisor company and offers accounts with annual charges ranging between 0.25% and 0.4%. Additionally, based on your initial opening deposit amount, the service provider may offer one year of free management. Some premium account holders, investing more than $100,000, receive additional features for a 0.4% management fee. There is no minimum initial deposit amount mandated, which is ideal if you are a first-time investor with limited funds.

Auto Insurance is an essential step to an assured investment return. It is a simple process that becomes even easier with the right knowledge. The number of policy options with different plans and jargons in the world of cars can overwhelm first-time investors. Appropriate considerations should be followed during the process to avoid unnecessary losses. Scroll further to know the mistakes to avoid when buying car insurance. Buying a lower premium insurance Most car buyers are calculative of their budget and end up with lower premium car insurance. Automobile insurance ​accounts for the benefits that one gains from the policy. The mere affordability of the insurance does not justify a quality decision. One should always go to reliable companies for such insurance. The lowest premium policy providers may not be faithful enough to sustain the policy and its returns. I gnoring basic research Primary research is mandatory before buying or renewing car insurance. Go through its details, features, continuing policy, and unbiased comparisons. Verification of the insurer is of utmost importance in the research. Not considering deductibles Policyholders agree to pay a certain amount when raising a claim. These deductibles can be of two types— compulsory and voluntary. The optional amounts that you agree to pay at the time of submitting a claim are voluntary ones.