Review Category : Gen X & Y Financial Advice

Five Money Moves To Make If You Are Buying Or Selling A Home In 2018

With interest rates creeping up and home sites being built by the droves, many people are wondering what they should do on both the buying a selling side here in 2018.  Is it too late to buy home?  What interest rate is too much? How can I sell my home quickly? What other factors should I watch out for with my real estate?  Here are five money tips on buying and selling homes for the rest of 2018. This Is The Law Of Supply and Demand Supply is shrinking amongst great demand – Remember, real estate is always driven by supply and demand. Depending on where you live, you may want to wait for the bubble to burst before you buy or look for areas in your city that are still gentrifying and try to buy before the big uptick happens in those areas. Monthly Supply of houses is at the bottom range – Monthly housing supply is at five ...

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How Do You Know If Your Portfolio Is Doing Well

Happiness is all about expectations met or unmet.  There have been so many articles written about how to discuss fees with your wealth manager or financial advisor, but very few that talk about the mutual responsibility between the advisor and the client about how to measure performance of your investment portfolio.   This is an important discussion because whether you are managing your money yourself or you turn it over to a professional, the question is do you know how to measure the performance of your portfolio? In 2008, when the S & P 500 had a -37% return, if your portfolio achieved a return of -35% because you were using the S & P 500 as a benchmark would you have been happy?  Conversely, in 2013 when the S & P 500 had a 32.39% return, would you have been happy if you and your advisor agreed that 6% return was the absolute return that was agreed on with you ...

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5 Amazing Technology Gifts For Mother’s Day

Mother’s Day is less than a week away and word on the street is that spending is up this year.    The National Retail Federation estimated that consumers will spend 19.9 billion dollars on Mom this year in 2018 which is actually down from last year.  If you are counting that is an average of $162.94 per consumer which is $6 decrease from a year ago.  Men will spend more than Mom than women by more than $70!  Being a Mom is a tough job, and we need to all appreciate what Mom’s do throughout the year. Most consumers will acknowledge that appreciation with a greeting card (81.3%), though it appears her loved ones will also look for special gifts. Two-thirds (66.6%) of those celebrating will buy mom her favorite flowers, spending a total of $2.3 billion, and 33.5 percent will look for spring sweaters and blouses, spending a total of $1.7 billion on apparel and accessory items. Mom’s loved ones ...

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How To Get A Better Airline Price Even After You Book The Flight

All of us have experienced that fear of price gouging when we book our flights on line.  When you go to a major website such as Expedia, Priceline, or Kayak, you often wonder whether or not you are getting the best possible deal.  Then, when you hesitate to book the flight when you go online, you get even more bitter when you come back a day or two later only see the prices go higher.  Or, even worse is when you actually book the flight and then you see the price go LOWER!  Well, with the power of Artificial Intelligence there may be an answer to help you sleep better at night when you are booking flights or hotel called DoNotPay (www.donotpay.com/travel) that may just solve the problem. The real beauty about DoNotPay is that it works AFTER you have booked your flight ensuring that you get the best possible deal on your flight.  Since flight and hotel prices change ...

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Are You Breathing Easier?

Have you ever heard of “Breathwork” or “Rebirthing”? I’ve been doing various forms of breathwork for years. The concept behind it is that when you breathe deeply and rhythmically you oxygenate the body and emotions, feelings and even beliefs that you no longer choose to keep are brought to the surface and released from your body and energy field.  It’s always best to do this with a coach that you trust because some of those emotions and feelings are ones that we’ve labeled bad and we don’t want to feel them. They are the ones that have been stuck for years in our sub-conscious mind.  When they come out, we have to be in a non-judgmental space so we can feel them fully, release them and let them go. We release them so we can Breathe Easier!! It’s kind of like looking at your financial situation. Sometimes we’ve avoided looking at our finances. We may have hundreds of thousands or ...

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Five Ways To Save Money On Pet Costs

As the millennial generation grows up (people born 1981-1996), many couples are actually substituting the idea of having children with have pets as the cental focus of their family.   According to the American Veterinary Medical Association (AMVA), the 2012 Pet Ownership & Demographics Sourcebook showed that almost 40% of households in American had a pet dog.  Cats were at 31% falling in seconds place and a litany of other animals were further down on the list.   It turns out that if you ask most people what they think the cost to own a dog will be during its lifetime they gave an answer of $6,000.  However, the range actually falls between $27,000 and $42,000 in actuality over the course of ten years.  Of course children are more expensive, but here are five ways you could save money if you have a pet. Schedule Regular Checkups – We know that it is always better to be proactive versus reactive when it ...

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The Importance Of Risk Management In Trading

Most successful traders use risk management as part of their trading strategy. This is as much down to the importance of protecting gains as limiting losses. There are numerous ways in which you can protect your trades against unexpected market moves. This article covers the basics of risk management in trading, especially when you are using forms of leveraged trading such as spread betting and contracts for difference (CFDs). What is leveraged trading? Leveraged (also known as margined) trading gives you a larger exposure to the market. This means that you are able to open a trade by putting down just a fraction of the full value of the trade you are looking to place. Leverage allows you to use a small amount of capital to control a larger sum of an asset. Leverage is a great way to gain exposure to the market. Your potential for profit can go up when the market moves in your favour. It is ...

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Bank branches for the digital age: Regions Bank opens 2 innovative locations in Atlanta metro area

Technology is making our lives easier in so many ways. Today, we can access more information, communicate more quickly and cost-effectively, and work more efficiently than ever before. In financial services, innovations are bringing greater convenience, increased transparency and improved security – not only to financial transactions themselves but also to customers’ interactions with their banks. Regions Bank is embracing these changes and is preparing to unveil two new bank branches in the Atlanta metro area. The new branches feature cutting-edge technology combined with a high level of personalized service – all aimed at allowing you to focus more on life and worry less about money. New Regions locations The newest Regions branches are opening at Parkside West in Marietta and Stilesboro Oaks in Acworth, bringing the total of Regions branches in the Atlanta area to 35. In the new branches, you’ll see an improved design and learn how technology can simplify your banking experience. The innovative branches will also ...

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