Retirement is one of the most important periods of life. After retirement, you can enjoy a happy, financially secure life with your family. However, that will require you to have a large enough bank balance that can guarantee financial stability for both you and your loved ones. You need to know the options for the best retirement investments so that you can effectively build the fund you need. Mutual funds A mutual fund is one of the best investment options you have for retirement fund building. Mutual funds are investment portfolios that include bonds, stocks, and other investment instruments. These funds are managed by experienced and professional managers who invest your money on your behalf and help you get the best possible returns.

As defined by FICO (the leading credit rating agency), bad credit is defined as a score of less than 580. Your credit score may range between 300 and 850, and an excellent or good rating is often when the minimum score is 700. If you have a lower credit score, you may have to pay higher interest on loans and may not receive the best financial offers. One of the best and quickest ways to increase your score is to use a credit card. When you avail of the accurate card and use it correctly, you may be able to increase your score in a few months.

During the current uncertainty, choosing high dividend exchange-traded funds (ETFs) seems prudent. Several ETFs with high exposure to energy and real estate are floundering due to the novel coronavirus. Here is a list of five high-dividend ETF funds that may be a good investment option during this pandemic: Legg Mason Low Volatility High Dividend ETF (LVHD) This dividend ETF provides two excellent features, higher payout and lower volatility. Although LVHD will generate negative returns in the current year, its performance is still better than the S&P 500. This fund tracks the QS Low Volatility High Dividend Index and allocates almost 25% of the weight in energy and real estate.

These days, a lot of people are leaving their jobs in the pursuit of setting up their own business. While a good idea is often the key to a successful business, the most important thing for you to start a business is the availability of funds. That is where business loans come into the picture. As soon as you launch a business, you will need funds to meet day-to-day expenses. Thus, securing a guaranteed business loan before you embark upon your journey as an entrepreneur, is very important. How to apply for a business loan? Since applying for business loans has become a common practice now, many lenders give you applications through both offline and online mediums.

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 :

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.

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.

A home insurance policy or homeowners insurance pays for any loss or damage to property or personal possessions. Some policies even cover personal injuries and liabilities that arise out of unforeseen circumstances. Having a home insurance policy is beneficial as it helps you pay for repairs, a replacement that may stretch your finances. Here we shall explore the best ways to obtain maximum coverage and explore tips that help you choose the best policy at the cheapest rates. Coverage options Your home insurance policy must cover any loss or theft, destruction or damage, and even personal liability associated with all possessions.