When you are looking for investment advisors, you may either opt for the traditional individual service provider or an online agency or an automated Robo-advisor. The fees may vary for each type of advisor. Here are two things you may consider while searching for an investment advisor. Determine the services required Your need may simply be to avail of assistance in choosing the right investments. Alternatively, you may also require additional services like insurance or estate planning. Determining your service requirements will help you make an informed decision. Know your budget An individual advisor offering holistic advice will be expensive. On the other hand, an online service provider may be more affordable. Know your budget to choose the right service provider. Irrespective of the type of investment advisor you choose, it is crucial to check their qualifications and registration. The chosen advisor must adhere to all the fiduciary requirements for maximum benefits. During the COVID-19 pandemic, markets are witnessing extreme volatility. Amidst this uncertainty, there has never been a greater necessity for the best investment advisors to offer prudent advice to their clients to protect their investments. Here are the top three wealth advisors in the country Jeff Erdmann, Greenwich, Connecticut Team assets (Custodied – $8.6 billion) Jeff is the Founder of the Erdmann Group that serves a select group of successful high net worth clients.

In the past, social security benefits and pension were sufficient to cover your expenses after your retirement. However, today these are not adequate to ensure financial freedom during your golden years. You may invest in several retirement plans that not only provide financial security in the future but also offer tax advantages along with other benefits. However, there are multiple investment options, and making the right choice may be difficult. Here are the five best retirement investments for your consideration: Retirement income funds These are specialized types of mutual funds and automatically invest your money in different bonds and stocks. Providing monthly income is the primary objective of fund management. These funds are designed as an all-in-one package that will meet a particular goal. Retirement income funds allow you to stay in control of your investments, which may be accessed when needed. But if you make a partial withdrawal, your future income will decrease. Immediate annuities Most annuities are more of insurance rather than investments. However, the purpose of annuities is to provide income, which is the primary objective of any kind of retirement investment. When you opt for an immediate annuity, you are availing assurance of income in the future.

You may have often come across several credit card companies, and many of them offer great discounts or rewards on applying for a new credit card. With a wide range of choices available in the market, it might get overwhelming and difficult to choose the right one for you. To ensure that you make an informed decision, you must explore your options and consider a few things before you choose a credit card company. Here’s how to select the most suitable one from the numerous credit card companies in the market: Decide what you need the card for The first step to choosing the right card is to understand what you need it for. If you wish to use it for general spending, you should go for a low-interest option from credit card companies that provide rewards on daily spends. On the other hand, if you are looking for ways to consolidate your debt or need a card for business spending, you can look at credit card companies that offer deals and discounts in those areas. See which company you already have an account with It makes a lot more sense to opt for an add-on credit card from a company you already have an account with.

Debt settlement is one of the most viable solutions for people who are not able to repay their debts or who don’t want to file for bankruptcy. Even though debt settlement comes with a considerable amount of risks, it is quite a helpful solution that takes care of your immediate needs when you are in a financial rut. In this article, we will talk about the top 10 debt settlement companies that you can choose from. Accredited Debt Relief Accredited Debt Relief helps you eliminate the debt by allowing you to pay less than what you owe. Some of the main features of opting for this company include flexibility in the types of unsecured debts and debt resolution within 12 to 60 months. DMB Financial This company is a great option for a host of unsecured debts, and even to settle the debt accumulated due to credit cards. The resolution period ranges from 36 to 48 months. It was founded in the year 2003, and is one of the best companies to consider when you want to restructure your debt. Pacific Debt Inc Founded in the year 2002, Pacific Debt Inc. is one of the top 10 debt settlement companies.

Triple net properties, commonly known as NNN properties, are commercial premises leased under conditions that differ from other lease agreements. The tenant is responsible to pay all expenses related to the premises, including insurance, property tax, and maintenance of the property. These kinds of properties are unique because as an investor, you are not responsible for any expenses or management. If you’re looking for NNN properties for sale, searching online is the best option. Here are some things to consider while looking for NNN properties for sale: Quality of the tenant Well-reputed and large franchise chains like McDonald’s, Dunkin Donuts, or Starbucks are desirable as tenants. When the property is leased to such tenants, there is almost zero possibility of default in the timely payment of the lease. Location of the property A tenant with a strong credit history and financial background is desirable, and if you do not choose the right location, you may find it difficult to re-lease the property in case the existing tenant vacates it. So, ensure that the chosen property is located in a neighborhood that makes it accessible to and desirable among tenants. Market awareness It is recommended you choose NNN properties for sale located in a market that you’re well aware of.

A dental insurance plan can cover all the preventative dental care costs and simultaneously lower the expense on the costlier dental procedures, such as fillings, bridges, and crowns. Therefore, it is vital to shop for the best possible option. To help you out, here are the five best dental insurance plans 2021 that you can check out. Complete Dental Plan by Humana This is one of the best dental insurance plans 2021 and offers complete coverage on preventative services. It has fifty percent coverage after deductibles on pricier services and eighty percent coverage after the deductible on basic services. For the significant or basic service, the waiting period can be waived with substantial evidence of past dental insurance. Cigna Dental 1500 The next best dental insurance plan for 2021 is the Dental 1500 plan by Cigna, which charges a $0 fee for in-network services. There is coverage of up to $1500 in a year, net of coinsurance, and deductible on restorative services. A deductible of $150 is applicable for families, and $50 is for individuals. For orthodontia, you are covered up to $1000. Liberty Dental Discount Plan It is a suitable pick for those who do not need a long-term commitment or an extra bill to avail of this insurance.

There is a credit card for every need. Picking the right one is of utmost importance since that determines the benefits you reap. You can decide whether you want rewards in the form of airline points or hotel discounts, or if cashback is the way to go. Ultimately, it comes down to your spending and financial habits. To help you, we have compiled a list of the 10 best credit cards in different categories.  Chase Sapphire Preferred ® Card A great option if you eat out and fly frequently. Get 2x reward points for dining at your favorite restaurants, delivery services, takeout, and travel too. You get 1x point per dollar on every other purchase you make with the card. In addition, you get 100,000 points if you spend your first $4,000 in the first three months.  Discover it ® Cash Back If you’re a fan of cashback, you get to enjoy 5% on everyday purchases each quarter and unlimited 1% cashback on others. Plus, this credit card does not charge an annual fee.  Capital One Venture Rewards For frequent travelers, this card is a solid option. You get fantastic base rewards, bonus miles, and you can redeem them for flights, vacation, and car rentals.

Gift cards can be used to pay for several products and services across multiple platforms. Corporate gift cards, holiday cards, and even cash back cards are the most popular formats to redeem online or at kiosks. However, the process of redeeming them is anything but simple. And if not done correctly, you may miss out on many discounts and exclusive offers. Here are five common gift card mistakes to avoid while shopping. Buying from auction websites Gift cards can be used for several retail purposes. But never buy cards that are auctioned off from websites like eBay. You cannot verify the authenticity of these cards being sold online. Moreover, scammers can skim and track the magnetic data on such cards before they are auctioned off. Once you activate the card, scammers can also use it to avail of all the inclusive benefits. So it’s best to avoid buying from such auction websites. Consider only reputable retail and eCommerce stores that offer such redemption options. Keeping cards unused You might often end up receiving gift cards of no specific use. For example, somebody might gift you a $500 card that can only be redeemed for auto spares and accessories. Here, the best thing to do is exchange it on platforms where consumers can buy and sell gift cards.

Retirement is one aspect of our lives that needs to be thoroughly planned so that we can lead a smooth and peaceful life when unemployed with no bumps. So, it is important that one starts saving up right from the time one is employed and saves up a part of his income. One such retirement plan is the 401k which helps you save your income and comes along with certain benefits. However, there are various types of 401k plans available in the market and it is important for one to carefully choose a plan that would meet their needs and requirements and fit them perfectly. The best choice of mutual funds for 401k plans would be the ones with low expense ratios, with funds which are actively managed, and good long-term track records. Here are some of the best 401k investment companies: Vanguard 500 Index (VFINX): This company has an expense ratio of about 0.14% which would mean about $14 for every $10,000 invested annually. The minimum initial investment required would be $3,000. It would be a smart choice to make to choose this company as it is a low-cost, passively managed stock fund and invest in about 500 of the biggest companies in the US.

Unforeseen vehicle repairs or medical expenses are bound to happen just when your savings have hit rock bottom and when there are no more sources of loans available. Or so you thought. Short term loans with no credit checks provide instant cash. If you have a low credit score, when getting loans from most lenders is next to impossible, a loan with no credit check is a boon. Before lenders provide money to borrowers, they perform credit checks, which in fact further lowers the credit ratings of the borrower. But lenders who provide short-term loans with no credit check only perform a soft credit check, and this has no impact on the borrower’s credit score. But when only the ability to repay the loan in full, within the agreed period, is the criteria for a short-term loan with no credit checks, then it becomes the only solution for someone in urgent need of money. Safe, secure and most convenient, short-term loans with no credit checks come with quick approvals where the borrower is asked to submit a simple application online. Upon checking eligibility, lenders discuss the loan terms and after approval, the loan money is transferred directly to the borrower’s bank account.

There are three major American companies that maintain a detailed report of your credit standing and repayment history. This data can be requested for by banks, money lenders, credit card companies, employers and so on. Let us take a look at when hard credit inquiries are essential and when soft credit inquiries may be initiated and by whom. Hard credit check inquiries are normally mandatory when you have applied for an automobile loan when you apply for a home loan when you apply for an educational loan as part of a credit card request application when applying for a mortgage of your property A hard credit check inquiry may be requested when your identity needs to be verified by a stock trading bureau you require a telephone or internet connection you wish to open a checking, savings or a money market account in any bank you wish to increase your available credit limit Soft credit inquiries are usually mandated when you wish to ascertain your credit score you wish to avail of a loan or a credit card offer that has already been pre-approved by the financial institution or the bank in question based on your past transactions with them A prospective employer wishes to check your overall background as part of the vetting process to determine if you would be suitable for the job in question and whether you can be trusted with specific responsibilities.