Money: Personal Finance, Business, Small Business news features - WSIL-TV 3 Southern Illinois

Tax Planning Strategies for End-of-year 2019

Originally Posted On: As the end of the year approaches, it is a good time to develop tax planning strategies to help lower your future tax bills.... More>>


Originally Posted On: There comes a time in almost everyone’s life when they need to borrow money. If that person... More>>

What Is a Market Profile and How Do You Use One?

Investing smart means using the right tools. Whether that’s considering a stock’s volatility metrics or its price history, you won’t invest as well without the proper resources. One such resource? The market profile chart,... More>>

Types of Long-Term Care Facilities

Though probably the most well-known, nursing homes are just one of many types of long-term care facilities available to seniors. Facilities vary by level of services. Assisted living residences and adult foster care homes... More>>

Go Big, Don’t Go Broke: 7 Inexpensive Small Business Advertising Ideas

Originally Posted On: No everyone can afford thousands of dollars for a single ad. For budget-friendly success, try these... More>>

Where Rent Is Becoming More and Less Affordable – 2019 Edition

Rent affordability is largely dependent on income. Guidelines from the Department of Housing and Urban Development (HUD) recommend that households not spend more than 30% of their monthly gross income on housing-related... More>>

8 Reasons Your Credit Score Declined

What happened to your credit score? It's dropped considerably since the last time you checked, and you have no idea why. Maybe one or more of these events is behind the decrease. 1. Missing Payments – On-time payments... More>>

Delta Neutral Investing: What You Need to Know

In options trading, “delta” represents volatility. It is one of a set of variables, collectively known as “the Greeks, that traders use to assess the risk of a derivative. Here’s what you need to know about delta... More>>

What Is a Certified Fund Specialist (CFS)?

A certified fund specialist (CFS) is a financial services professional who has acquired advanced expertise in choosing and managing mutual funds. The certification is typically obtained by those already working in the... More>>


Originally Posted On: Of all the Americans who have a credit card, 55% of them have debt. Even though getting a credit card is a great way to... More>>


Originally Posted On: Long before credit cards existed, people still borrowed money. It just worked differently.... More>>


Originally Posted On: If you don’t have good credit, you’re part of a much bigger group than you think. In a State of Credit report... More>>

What Is the Time-Weighted Return (TWR)?

If you’re an investor, chances are you’re looking for a reliable way to keep tabs on how your money is doing. And while various methods exist to measure the performance of an investment portfolio, calculating... More>>

What Is a Chartered Wealth Manager (CWM)?

Whether you’re a financial novice or a seasoned investor, getting some help from an expert might be good for you. If you need some help with financial planning, investing, or managing wealth a Chartered Wealth Manager... More>>

What Is a Certified Medicaid Planner (CMP)?

Medicaid isn’t the easiest federal program to navigate. A Certified Medicaid Planner (CMP) can help. A CMP has expert-level experience with Medicaid program and can help people navigate both current and new Medicaid rules.... More>>

Assisted Living vs. Nursing Homes: Key Differences

Assisted living facilities and nursing homes differ in many ways, including the type of care provided, cost, and offerings for residents. You or a family member may need more help in retirement than family and friends can... More>>

A Guide to the CAN SLIM Stock-Picking System

CAN SLIM is an investing strategy which represents seven characteristics typically present in well performing stocks before. As a result, those traits typically manifest right before a stock sees its price increase. The... More>>

Using Alpha to Measure an Investment’s Performance

Risk is one of the most essential concepts to successful investing. Investors and capital-seekers looking for right balance on any given security drives most market activity. Alpha measures an investment’s... More>>

The Series 9/10 Exam and License

The Series 9 and Series 10 exams assess the attributes a general securities sales supervisor needs for their job. They are administered by the Financial Industry Regulatory Authority (FINRA). They’re also... More>>

How to Switch Financial Advisors

A headache wrapped in a lot of bother, attached to a hefty price tag. For many people, that’s what switching financial advisors seems like – and so they put it off, indefinitely. But replacing your advisor doesn’t... More>>

Thinking About Buying a House in Nashville? What You Should Understand

Originally posted on   Out of 80 cities in the US, Nashville ranks third for overall real estate prospects for 2020. And it’s not surprising at all.... More>>

Cue the Curb Appeal: How a Modern Driveway Can Help Sell Your House

Originally posted on   Thinking about selling your house? You might have already begun thinking about what you can... More>>

What Is a Flexible Premium Deferred Annuity?

If you’re thinking of purchasing an annuity for retirement income, know that they’re not all the same. A flexible premium deferred annuity offers a way to invest in an annuity, without having to pay a large... More>>

Annuity Payout Options: What is Period Certain?

An annuity can provide predictable, guaranteed income in retirement. You can also use an annuity contract to schedule payments from a structured settlement or a large financial windfall, such as a lottery payout. A period... More>>

Understanding Annuity Death Benefits

Annuities can generate income for retirement. However, most annuities also feature a standard death benefit. That lets you pass on assets from the annuity to an heir after your death. If you have an annuity of you’re... More>>

What Is Proprietary Trading?

A financial firm is said to practice proprietary trading if it invests its own money to make profits for itself, instead of earning commissions by trading on a client’s behalf. While the firm’s clients don’t benefit... More>>

How to Get a Business Line of Credit: The Step by Step Guide

Originally posted on   Applying for a business line of credit may seem like a tedious process, but we are here to... More>>

Increasing Our Wealth For The Future: What You Might Want To Try

Originally posted on   Many of us have full time jobs, or a job that we do that happens to fund our main... More>>

Best Places to Work for a Nonprofit – 2019 Edition

According to a recent report from the National Council of Nonprofits, U.S. nonprofits employ more than 10% of the total private workforce in the U.S., a higher percentage than in many other industries, including... More>>

5 Ways To Keep Hackers Away

Hackers are like any other type of thief. They look for easy targets and take advantage of them. Are you an easy target in the eyes of identity thieves? Let's assume that you've taken basic prevention steps, like... More>>

Avoid Debt This Holiday Season

By Andrea Woroch The upcoming holiday season may have you feeling joyous and anxious at the same time thanks to all the seasonal expenses, gift purchases and travel costs you will take on in several short weeks. Those who... More>>

Efficient Frontier: Definition, Benefits, and Uses

As an investor, wouldn’t it be nice to know that your portfolio both limits your risk and maximizes return? Ideally, it will do just that.  The efficient frontier is a set of investment portfolios that maximizes returns... More>>

What is Account Receivable Financing: Everything to Know

Originally posted on   Every business owner deals with financial problems and stress, but what if there was... More>>

Everything You Need to Know About Asset-Backed Finance

Originally posted on   Banks reject nearly three-quarters of the small business loan applications. Your odds of getting a... More>>

Flash Crash: Definition, Examples, and Implications

A flash crash occurs when electronic securities trading systems trigger a dramatic drop in price and rebounds within minutes. While flash crash occurrences are happening more often, many investors still don’t understand... More>>

What Is a Term Loan and How Does It Work? (Alaska ‘18)

Originally posted on   If you’re ready to finance your next dream business idea, term loans might be a realistic funding option for you to... More>>

Best Places to Live on a $60,000 Salary – 2019 Edition

The median household income in the U.S. was $61,937 in 2018, according to Census Bureau data. But what kind of life that income affords you depends on many factors, including your spending and saving habits as well as the... More>>

What is a Block Trade?

One hundred is a lot of shares. Literally, when trading stock one “lot” is defined as 100 shares. A round lot is any number of shares evenly divisible by 100, while any other amount is considered an “odd lot.” Block... More>>

What Is Tail Risk In Investing?

The edge case scenario is realistic, but too remote to come up in daily events. Arguably, how well you manage unlikely outcomes largely defines your skill in a profession. Lawyers call them “bad cases,” and warn every... More>>

What Is a Dead Cat Bounce?

It is clear that, once upon a time, finance types had a little more fun with their jobs. How else to explain how “dead cat bounce” came to be a widely accepted piece of financial jargon? The odd term refers to... More>>

How Do Car Title Loans Work? Everything You Need to Know About Title Loans

Originally posted on   Emergencies happen at the most inopportune times. When you’re short on cash and have... More>>

What Is a FICO Score, Exactly? A Thorough FICO Definition Here

Originally posted on   You spend your entire life learning. From the time you’re born until you finish high school or... More>>

Where to Find Legit Payday Loans

Originally posted on   Are you strapped for cash? Do you almost feel ready to take out a payday loan? If so, don’t worry. You’re not alone. Lots... More>>

Tips For Finding A Home Roofing Contractor You Can Trust

Originally posted on   If the roof on your home isn’t in good condition, everything is compromised. The next big storm could result in leaks... More>>

Most Livable Mid-Sized Cities – 2019 Edition

Because the cost of living tends to correlate with population size, mid-sized cities are often more affordable alternatives to large cities and potentially offer better opportunities to save and invest. Your salary can go... More>>

2019 Average Realtor® Commission Rates & Fees

Originally posted on   The EffectiveAgents team took a hard look at average realtor commission rates so far in 2019 to determine how much the... More>>

How to Save Money: 15 Simple yet Effective Tips for Saving

Originally posted on   Are you wondering how to be good with money? What money-saving tips can you start doing today? This guide offers 15 simple yet effective ideas!... More>>

The Pros and Cons of Buying a Mobile Home: Everything You Need to Consider

Originally posted on   A manufactured home provides people with affordable housing and the freedom to become... More>>

Well Well Weld, You Want to Be a Welder: How to Become the Man (or Woman) of Steel

Originally posted on   Are you looking for a career change? Or, are you just graduating high school and... More>>

Top 9 Signs of a Great Real Estate Agent in Stockton

Originally posted on   Full Disclosure: I admit that I am notoriously hard on real estate agents in the markets that I serve. I have... More>>

8 Reasons Why Your Workplace Is Concerned About Your Credit

Did you know that your credit history could affect your ability to get a job? Prospective employers are unlikely to turn you down solely for having bad credit, but items in your credit report can make the difference between... More>>

Sell My House Fast How To Take Advantage of A Seller’s Market In Sacramento

Originally posted on   “Luck Is What Happens When Preparation Meets Opportunity” This... More>>

Why Isn’t My House Selling in Sacramento

Originally posted on   Why do some sit on the market for months at a time? And why isn’t your house selling? In our latest post, we... More>>

7 Real Estate Buying Contingencies Explained

Originally posted on   It All Starts with an Offer. So, you have offers, counter offers, contingencies and contracts what do they all mean?... More>>

What Is Secular Stagnation?

More than a decade after the Great Recession, the United States has seen a mixed record of recovery. Despite record-breaking highs in the stock market and an unemployment rate that has fallen every year since 2009, other... More>>

CFA vs. CAIA: What Is the Difference?

A chartered financial analyst (CFA) is a financial advisor who has earned the title of CFA through extra accreditation, including a rigorous three-part test, from the CFA Institute . A Chartered Alternative Investment... More>>

How to Invest in UCITS Funds

There is no lack of investment opportunities in today’s financial sector, but every investor’s situation is different, and many welcome new options. If you’re seeking alternatives beyond mutual funds and... More>>

How Does Inheriting an Annuity Work?

Annuities can provide guaranteed income and be useful supplements to a traditional 401(k) plan or an individual retirement account. Some even have more than one beneficiary, since annuities can include a death benefit that... More>>

What Is a Certified Estate Planner (CEP)?

Thousands of people reach retirement age every day, and millions more will turn 65 in the next decade. Many of them, even those who have funded a comfortable retirement, have neglected an estate plan. A Certified Estate... More>>

What is a Certified Anti-Money Laundering Specialist (CAMS)?

Financial institutions and businesses are expanding their operations to a truly global scale, but that scale comes with increased risk. How do banks avoid becoming vehicles for money laundering when they access new... More>>

What Technology Do You Need to Know to Become a Commercial Pilot?

Originally posted on   It’s your dream to become a commercial pilot. You’ve wanted to be one for quite some... More>>

The Capital Asset Pricing Model, Explained

Investing has its risks. But there are strategies to determine an investment’s expected return, based on that risk. It’s called the Capital Asset Pricing Model (CAPM). Investors can use CAPM to determine whether an... More>>

What is the ‘Dogs of the Dow’ Investing Strategy?

When tracking your investment portfolio, you might compare its against a stock market index such as the Dow Jones Industrial Average. Ideally, you want investments to beat the Dow. The Dogs of the Dow investing strategy... More>>

Systematic Risk: What Investors Need to Know

Investing in the stock market inevitably brings risk, and diversifying a portfolio doesn’t eliminate it. There’s always systematic risk. In other words, there’s always inevitable risk that affects a... More>>

Swing Trading: Definition, Strategies and Risks

If you’re stock market regular, you’ve likely heard of day trading: The buying and selling of securities within the same trading day. But maybe you’d like a slightly longer lead time for such transactions. Enter swing... More>>

How a Price-Weighted Index Works

Assessing the value of a company or security can take a few different forms. You can measure all stocks or securities equally, or use market capitalization. Another choice: a price-weighted index, in which each member... More>>

Independent Living vs. Assisted Living

More than 70 million aging adults will strain U.S. financial and medical institutions in the near future. Their Millennial children, struggling with student debt imposed by the Boomers’ choice to defund higher... More>>

How to Spot Market Manipulation

While you might have a good grasp on the ins and outs of the stock market, it’s impossible to predict its future. That doesn’t stop some people from cheating the system for their own benefit, though. Read on to learn... More>>

Here’s One of The Rules of Renovation: Manage Your Budget

Originally posted on   Renovating your home can be exciting. Especially if you’ve lived in the same house for a number of... More>>

A Digital Era: 7 Important Reasons Why Creating Paystubs Online Can Benefit Your Business

Originally posted on   There’s really no doubt at this point: the... More>>

3 Definitive Reasons Homes For Heroes is the Authority VA First Time Home Buyer Program.

Originally posted on   The VA first time home buyer program is an amazing guaranteed mortgage up to 100% of the purchase price from the Veteran’s... More>>

The Top 5 Causes of Divorce in the United States

Originally posted on   Sometimes we may be asked to give a speech on an emotionally charged topic. We need to... More>>

Real Estate Market Forecast: What Would Cause the Next Crash?

Originally posted on   Whether you’re in the market to buy or sell commercial property, it’s essential to... More>>

Selling Your Investment Property? What to Include in a Sellers Disclosure

  Anytime you’re conducting real estate business, you’ll need to be as above board and transparent as possible. This means creating a sellers disclosure that keeps your buyer in the loop on major issues... More>>

A Look Ahead: Commercial Real Estate News and Trends to Watch in 2020

Originally posted on   As we move into 2020, many in the real estate industry believe the market is going to continue the path of slow and steady growth... More>>

The Most Common Mistakes CRE Owners Make in Commercial Real Estate Investing

Originally posted on   Investing in commercial real estate is a great way to make money. It’s... More>>

The Real Estate Cash Flow: Are Cash Deals More Common in Commercial Real Estate Today?

Originally posted on   If you’re trying to win big in commercial real estate, it’s... More>>

What’s Ahead for Cap Rates? What You Need to Know

Originally posted on   Have you ever wanted to become a real estate investor using the capitalization rate (cap rate) to help you... More>>

What Boston Neighborhoods and Submarkets Are the Most Undervalued?

Originally posted on   About 740 people move to Boston each week. The city is one of the top U.S. metro areas for... More>>

What Is the Bid-Ask Spread?

Since buying and selling stock is a key component of investing, it’s important for investors to understand trading terminology — especially the term “bid-ask spread.” If you have no idea what that means or how... More>>

Breaking Down Annuity Fees and Charges

Annuities are an important part of many Americans’ retirement plans, especially for those who are looking for guaranteed payments. Insurance companies offer annuity contracts, which allow you to pay a premium in... More>>

Do Medicare and Medicaid Pay For Assisted Living?

Assisted living is one of the most difficult parts of elder care. Expensive, with costs driven by both residency and the skills involved with this care, assisted living leaves many seniors struggling to pay for it. Does... More>>

What Is High-Frequency Trading?

High frequency trading (HFT) is controversial. Some investors say it lets people capitalize off of opportunities that may vanish quite quickly. Others say high frequency trading distorts the markets. Supporters of high... More>>

What Is an Accredited Estate Planner?

The Accredited Estate Planner designation is a professional credential for individuals who specialize in estate planning services. You might work with someone who holds an AEP® designation if you need help creating or... More>>

What is a Chartered Advisor in Philanthropy (CAP)?

If giving back is part of your financial plan, you may consider working with a chartered advisor in philanthropy (CAP). A CAP has the necessary knowledge and expertise to help you createa plan for philanthropic giving.... More>>

How Taxes on Lottery Winnings Work

Before you see a dollar of lottery winnings, the IRS will take 25%. Up to an additional 13% could be withheld in state and local taxes, depending on where you live. Still, you’ll probably owe more when taxes are due,... More>>

Systemic Risk: What You Need to Know

Systemic risk is the risk that a company-level event could destabilize an entire industry. Think back to the financial crisis of 2008, when many companies deemed “too big to fail” did exactly that. To safeguard... More>>

SEC Disclosure Requirements for Advisors

Because registered investment advisor firms (RIAs) have a fiduciary duty to act in their clients’ best interests, they are subject to scrutiny and regulation by the Securities and Exchange Commission (SEC). This... More>>

7 Credit Card Facts You'll Wish Weren't True

Do you have a love-hate relationship with your credit card? After all, it brings you both pleasurable purchases and painful bills. Credit cards are valuable financial assets – but cards and the companies that issue them... More>>

Investment Opportunities

Originally posted on   There are investment opportunities all around you. But what is an investment opportunity? Simply put, it’s any vehicle you can use to make... More>>

Everything Worth Knowing About Electronic Checks

Originally posted on   The way in which we think about and use money is rapidly changing. Gone are the days of gold and silver. Gone are... More>>

3 Simple Yet Smart Ways to Invest a Tax Return and Make Real Profit

Originally posted on   If you have got your tax return back and are surprised by how much you get back then... More>>

What Is a Joint and Survivor Annuity?

When you purchase an annuity, you’re buying an insurance contract to provide guaranteed income for yourself. You can purchase an annuity to benefit yourself but if you’re married, you could choose a joint and... More>>

Non-Qualified vs. Qualified Annuities

Annuities can be a source of guaranteed income for retirement, as well as a way to schedule payments from a structured settlement. They may be categorized as qualified or non-qualified annuities. If you’re thinking... More>>

What Do Chartered Market Technicians (CMTs) Do?

Do you ever wonder who’s behind the trading desk, helping your financial firm find the best investment mix? In many cases, you’ll find a Chartered Market Technician (CMT) developing trading strategies and coming up with... More>>

What Is a Certified Wealth Strategist (CWS)?

A Certified Wealth Strategist (CWS) is a professional who has attained a higher level of education and training in financial planning. As the name suggests, they specialize in working with high net-worth clients —... More>>

Best Places for Women Entrepreneurs – 2019 Edition

The number of women-owned businesses in the U.S. has increased in recent years, which could be encouraging news for other women who are still building up the resources to start new ventures. According to data from the... More>>

What is a Certified Regulatory and Compliance Professional (CRCP)?

As one of the most highly regarded compliance certifications, the Certified Regulatory and Compliance Professional (CRCP) designation helps professionals increase their skills as well as knowledge of industry regulations.... More>>

How to Legally Stop Foreclosure When in Danger of Losing Your Home

Originally posted on   The best way to stop foreclosure is obviously to prevent things from getting to that point in the first place,... More>>

Your Guide To Filling Out A Stock Certificate

Originally posted on   Have you ever wondered what a stock certificate actually is? Do you have a clear answer in mind, yet have no... More>>

Everything Veterans Need to Know About Post 9/11 GI Bill Benefits

Originally posted on   As a veteran or active duty military member, you are incredibly proud to have the opportunity to... More>>

5 Helpful Accounting Hacks for Small Business Bookkeeping

Originally posted on   According to statistics, in-house bookkeeping employment is projecting to decline by 1.5% in the... More>>

What Is a Qualified Plan Financial Consultant (QPFC)?

Need help planning for retirement? Partnering with a Qualified Plan Financial Consultant (QPFC) can help you find the answers you seek. Since QPFCs have extensive retirement planning training, they can help guide you... More>>

Powerball Millionaire – New Year’s Rockin Eve

Originally Posted On: The first Powerball millionaire of the year will be announced live on television just after midnight on New Year’s Day 2020, as part of a new... More>>

The Federal Open Market Committee (FOMC)

The Federal Open Market Committee (FOMC) is a twelve-member body that sets and implements monetary policy for the Federal Reserve System. It does this through what it calls open market operations – encouraging... More>>

Best Cities for a Budget-Friendly Date – 2019 Edition

Whether you’re taking someone out for the first time or enjoying a well-earned night on the town with your partner of a decade, it’s important to be able to enjoy a nice date night. It is even better when you …... More>>

States With the Strongest Unions – 2019 Edition

Unions can be effective tools for collective bargaining. They represent workers in negotiations with management to uphold workers’ rights, including fair wages. According to a 2018 report on full-time workers from the... More>>

Experian Boost 101

Experian Boost? Is that a new energy drink? No, it's not designed to boost your energy – Experian Boost is designed to boost your credit score. This new program from the credit reporting agency Experian was launched in... More>>

What Everyone Should Know About Online Payday Loans for Bad Credit

Originally posted on   For millions of Americans that face difficult situations every month to pay the bills, taking on a... More>>

Top 7 Payday Loan Mistakes That Could Cost You a Lot of Money

Originally posted on   Did you know that an estimated 12 million Americans use payday loans each year during financial hardship?... More>>

Quick Cash Loans: What Are the Options for People with Imperfect Credit?

Originally posted on   You should have six month’s worth of living expenses saved. Yet most Americans have less... More>>

Making the Most of Your Money: What to Do Once You Received Your Small Business Loan

Originally posted on   Most businesses don’t have enough cash on hand to do things like buy real estate, invest in inventory, or purchase new... More>>

5 Advantages of Getting Long Term Business Loans This Year

Originally posted on   About 40% of American business owners apply for loans each year. In total, they borrow right around... More>>

What Are Restricted Stock Awards (RSAs)?

Restricted stock has become a common offering among employers in the last twenty years. There are two main types: restricted stock awards (RSA) and restricted stock units (RSU). Both can be lucrative parts of a... More>>

What Credit Card Can I Get with Bad Credit?

Originally posted on   If you’re like many people, your credit is less than exemplary, and most people have bad credit. While you may want to... More>>

Finding the Best Credit Cards for 500 Credit Score

Originally posted on   Credit card ads make it seem like companies are willing to approve anyone with any credit. Some companies even send... More>>

How Can You Get Motorcycle Financing Bad Credit Options?

Originally posted on   Getting any loan when you have bad credit is going to be difficult and expensive compared to what someone with... More>>

Protect and Search: What are the Laws of the Internet?

Originally posted on   The tech industry has seemed to settle down from the heyday of the 2000s. We’ve seen a handful of big... More>>

Hiring a Personal Injury Lawyer: What to Know

Originally posted on   There are a ton of attorneys, but not all of them are cut out for the job. Here’s how to make sure you get the... More>>

What is a Bridge Loan?

Originally posted on   Bridge loans are short-term loans that are used until the applicant (a person or company) secures permanent financing in its place or... More>>

Experience Matters: How to Become a UX Designer

Originally posted on   Learning how to become a UX designer can allow you access to many job opportunities. While UX might not have been a hot topic in... More>>

Grow & Improve: Apply for a Term Loan

Originally posted on   Whether equipment acquisition, inventory expansion, or a new location, term loans can help you reach your goals. A Term Loan Is Most Often... More>>

Payday Loan Lender Review: Blue Trust Loans

Originally posted on   Have you ever needed urgent cash but didn’t have friends or relatives to borrow the money from? And to top it all up,... More>>

Financial Issues? Benefits of Payday Loans

Originally posted on   Payday loans are one of the best ways to get quick cash when you’re in a financial emergency. This type of loan can be... More>>

How Much Does a Nursing Home Cost?

Nursing home cost may work their way into your retirement plan. You may have to help pay nursing care expenses for an aging parent, for example. Or long-term care may be necessary for your spouse or yourself as you grow... More>>

A Guide to Sole Proprietorship Taxes

Being a sole proprietor or independent contractor can simplify your finances. However, it’s important to understand how your business structure affects your taxes. There are tax laws that sole proprietors need to... More>>

Easy Credit Cards to Get: Best Options for 2019

Originally posted on   Credit cards are some of the most convenient tools available to consumers. You can use them to pay for goods and... More>>

Ways to Sell Your Annuity for Cash

An annuity is an insurance contract you can use to create an income stream. You can purchase an annuity to draw payments against in retirement as a supplement to tax-advantaged or taxable savings accounts. But what if you... More>>

What is a Certified Credit Counselor?

If you’re looking to get out of debt, you might consider talking to a certified credit counselor. This term can describe a credit counseling agency or an individual who offers credit counseling services. As a result,... More>>

Leveraging Multiple Financing Techniques for Real Estate Investors

Originally posted on   There are many ways a real estate investor can fund their real estate deals. Funding sources and an investor’s... More>>

What Is an Accredited Financial Counselor (AFC)?

There’s a new professional designation in the finance world’s alphabet soup. An Accredited Financial Counselor (AFC) indicates that a professional values sound financial principles and is trained to teach... More>>

What is a Certified Financial Marketing Professional (CFMP)?

Marketing professionals within the finance industry may escape licensing exams like the Series 7. However, the Certified Financial Marketing Professional (CFMP) designation from the American Banking Association (ABA)... More>>

What is a Certified Plan Fiduciary Advisor (CPFA)?

If you’re overwhelmed by retirement planning, it’s wise to partner with an expert who puts your interests first. Working with a financial professional like a Certified Plan Fiduciary Advisor (CPFA) can help you to find... More>>

What Does a Certified Senior Advisor (CSA) Do?

As you age, it can be difficult to know what decisions are best for your health, finances, or estate planning. That’s why it’s important to make those decisions with someone you trust. A Certified Senior Advisor (CSA) can... More>>

What Is a Certified Private Wealth Advisor (CPWA)?

A high net-worth individual is faced with many complex financial decisions. Luckily, there are financial professionals who can address those financial concerns. A Certified Private Wealth Advisor (CPWA) is trained to tend... More>>

All About the Home Office Tax Deduction

Maintaining a home office for your business can yield a benefit at tax time if you’re able to claim a deduction for your expenses. The Internal Revenue Service specifies what counts and what doesn’t when... More>>

Series 3: Definition and Exam Information

The Series 3, also known as the National Commodities Futures Examination, is a licensing exam for financial professionals who wish to sell commodity futures contracts. The Series 3 allows a financial professional to sell... More>>

Series 79: Investment Banking Representative Exam

The Series 79 exam, also known as the Investment Banking Representative Exam, is taken by many financial professionals, including investment bankers. Those who pass the exam ability can advise clients about debt and equity... More>>

What Is a Fellow, Secure Retirement Institute (FSRI)?

A Fellow of the Secure Retirement Institute (FSRI) is well versed in what it takes to retire in a sustainable way. As a result, their knowledge covers a broad range of retirement topics, from investment management to... More>>

Tax Tips: 5 Unusual or Overlooked Tax Breaks You Could Qualify For

Originally posted on   The 2017 tax bill changed the way withholdings got calculated for many people. In early 2019, that meant some people who thought they would get refunds... More>>

Tips for Finding the Best Bankruptcy Legal Aid

Originally posted on   Are you looking for legal aid during your bankruptcy? Click here for seven tips for finding the best bankruptcy legal... More>>

The Benefits of Living in a Shipping Container Home

Originally posted on   In today’s modern world, there are becoming more efficient ways to use the materials and products... More>>

What Is the Rule of 55, and How Does It Work?

Employer-sponsored, tax-deferred retirement plans like 401(k)s and 403(b)s have rules about when you can access your funds. As a general rule, if you withdraw funds before age 59 ½, you’ll trigger an IRS tax penalty of... More>>

What Is a Fraternal Insurance Counselor Fellow (FICF)

A Fraternal Insurance Counselor Fellow (FICF) is a specially trained insurance professional and member of a national network of counselors. But in order to get the FICF designation, you have to already have a Fraternal... More>>

What is a Certified Financial Transitionist (CeFT)?

A Certified Financial Transitionist (CeFT) is trained to help clients navigate through major life events and the financial transitions that accompany them. The CeFT is the industry’s first designation specifically... More>>

All About Certified Exit Planners (CExP)

Growing a business is hard work, but even successful business owners must consider how all that work will end and when an exit strategy will begin. It can be a difficult process and many business owners, still hard at... More>>

What Is a Certified Kingdom Advisor (CKA)?

For many people, investing isn’t just about smart financial decisions. They also want to allocate their resources in a way that is consistent with their personal values or religious principles. Many may prefer... More>>

Leverage: Definition and Use in Investing

Leverage is a common financial concept you may often hear in reference to maximizing investor returns. Commonly used by investors and companies alike, leverage is a technique that utilizes debt instead of equity to buy an... More>>

Places Where Americans Give the Most to Charity – 2019 Edition

Giving to charity can be doubly rewarding. It helps other people, and it makes you feel like you’re doing something good. As a bonus, it can get you a deduction on your taxes, something a financial advisor can help you... More>>

?Active and Passive Ways of Earning Online

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