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In recent times, the older saving habits have slowly been replaced by the mindset to invest.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.

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.

The government funds many federal programs to provide benefits to hardworking citizens of the country. Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are some benefits that can be availed by any citizen or resident who suffers from some form of disability. Both programs are administered and governed by the Social Security Administration. Here are a few key takeaways of this benefit. Understand the difference While the SSA governs both the Social Security Disability Insurance and the Supplemental Security Income, the type of benefits will differ owing to set eligibility criteria. It is also crucial to understand what the Social Security Administration deems prudent when it comes to the definition of disability. Social Security Disability Insurance Anyone who has worked for a long tenure during their active years of service and has regularly paid social security taxes will qualify under the insurance scheme to receive benefits. These benefits can also extend to one’s immediate family under special circumstances. One will start receiving compensation under the scheme immediately after confirming disability with the SSA. Supplemental Security Income The SSI federal program provides benefits to those who suffer from any form of disability and are operating with limited income and resources.

As the beginning of the fiscal year draws closer, the humongous task of filing tax returns too comes knocking at your door. For many citizens, filing tax returns proves to be quite an ordeal as not all of them are well-versed with the art of managing their finances. Doing their taxes and filing for returns can be an unpleasant task for such people. However, one of the easiest ways to do your taxes and file returns without breaking a sweat is by hiring professionals to do the same. Also, doing so will require you to shell out a substantial amount of money. If you are low on funds currently and do not wish to spend money on hiring a tax professional, then there are other ways to file tax returns for free. It is common knowledge that you have to file for your returns before April 15, 2019, which is why people who aren’t equipped with the resources to do their own taxes and file the returns need to find reliable sources to help them in this endeavor. To ensure that you file your tax returns without any hassles, you can adhere to either of these below-mentioned free methods of filing tax returns.

A credit card is an important financial tool. Living life without a credit card is difficult in today’s time. If used wisely, credit cards can prove to be a boon for you. However, before finalizing on a credit card, it is of utmost importance for you to know to analyze the rewards, benefits, and spending limit offered by various credit card companies in the country. A proper analysis will give you a clear picture about which credit card you should opt for. Best credit cards of 2018 Choosing the right credit card could sometimes be tricky and cumbersome. In order to help you do the same, we have compiled a list of the best credit cards of 2018 as listed below: HSBC Cash Rewards HSBC Cash Rewards is touted as one of the best credit cards of 2018 for various reasons. Offered by MasterCard, this credit card offers a plethora of benefits. This card offers the benefit of zero transaction fees on foreign transactions and annual fees. It also offers cash rewards of 1.5% on all purchases. It also gives you a chance to earn cash rewards worth USD 150 after spending USD 500 in the first three months from account opening.

An Individual Retirement Account or IRA is an ideal resource to help you in your retirement goals. The accounts have a tax advantage, which ensures you do not have to pay any tax when you withdraw funds from the account at the time of retirement. Many individuals do not consider opening a retirement account on their own; for them, the planning for retirement begins and ends with the employer’s retirement plan. However, it is important to keep in mind that the retirement plan chosen by the employer may not provide enough for you. This is why you should open a Roth IRA account and make your investment. Anyone with an income can open a Roth IRA account. Here are our top picks for Roth IRA funds for 2018. Target Retirement 2050 Fund This is a lifecycle fund, which starts out with stocks and tapers into bonds over a long period of time. It allows you to take a risk while you are young and reduces the risk of the fund as you reach your retirement age. This fund covers the much-needed gap in most investor’s portfolio. It fits perfectly for “buy and hold” and has a higher rate of return.

Generally, the real estate taxes, maintenance, and building insurance expenses are paid by the landlord when the tenant pays the rent. However, in the case of the triple net (NNN) property, the tenant has to pay those too, in addition to the utility boils and the rent. The rent is lower for the NNN properties for sale which has made them a popular option among the investors. Below is a list of the five best NNN properties in Los Angeles. Convenience store Location : Baton Rouge, LA Cost : $2,995,401 Premises : 4,509 SF Renewal options : 4 x 5 years Lease expiration : 1/20/2040 Lease type : Absolute NNN Rental increases : 2% annually If you are thinking about investing in an NNN property in LA, then this convenience store may just be the right option for you. This is an already established store with multiple locations, which makes it a profitable option. It is located in an advantageous position, which offers visibility and traffic. Jiffy Lube and Precision Tune Auto Care Location : Alexandria, LA Cost : $1,285,714 Premises : 5,000 SF Lease expiration : Varies Lease type : NNN Rental increases : Varies If you want to invest in profitable NNN properties for sale, then consider these auto care facilities.

Debt settlement companies provide the service of lowering your existing debts by negotiating with your lender to provide financial relief. There are many such companies that can help you with repaying only a percentage of your loan to settle it permanently. Below is a list of the top 10 debt settlement companies you can compare and choose from. Century Support Services Century Support Services offers debt settlement services to people who have a debt of $10,000 or more. The process can take up to 48 months, but you will have to pay their fees only after your debt is settled. They also offer a free consultation. Pacific Debt, Inc. Pacific Debt Inc. offers debt settlement services for a fee of 15-25% of your settled debt. To avail of their services, you must have a debt of at least $10,000. The process takes up to 48 months, and you pay the fee after the service is completed. CreditAssociates If you have a debt of $10,000 or even more, then CreditAssociates can be one of the top 10 debt settlement companies to help you out of the situation. They can effectively lower your dues and charge you a certain percentage of the settled debt.

In a regular mortgage, you pay the lender over a period to eventually own the home. In a reverse mortgage, the lender pays you as an advance towards the equity of your home. The amount is tax-free and you do not have to repay it as long as you live in the home. Here are the basic reverse mortgage eligibility criteria: Age To qualify for this type of mortgage, you need to be 62 years or older. Under the new regulations that relax norms for a non-borrowing spouse, you may still qualify for the loan even if your spouse is less than 62 years old. Balance home equity Another major requirement to qualify for a reverse mortgage is that you should have a significant equity balance in the home. You must have at least 50% home equity while applying for the loan. Self-occupied The third reverse mortgage eligibility criterion is that the home should be self-occupied. Moreover, it should be your primary residence. Investment properties are not eligible for reverse mortgage loans. Counseling When you apply for a reverse mortgage loan, you need to undergo a counseling session from a Department of Housing and Urban Development (HUD) approved agency. During the session, you will be given all information related to such loans and will also help you understand if a reverse mortgage is appropriate to your requirements or not.