Next to buying a home, a college education is the largest expenditure most parents will ever make. The key is advance planning. The more money you save now, the less money you or your child will need to borrow later. It is important to begin saving as early as possible so you can earn interest, dividends, and/or capital gains on as much money as possible.
Thinking about retirement? The average retirement age in the United States, according to U.S. Census Bureau data, is 63 for women and 65 for men. While you may not actually retire until your late 60s or 70s, you should start thinking about it as soon as you start working. Some experts suggest you start saving in your 20s, when you begin earning paychecks, because the sooner you begin saving, the more time your money has to grow.
A 1031 exchange is a process used in real estate in which one investment property is swapped for another. Through this process, capital gains taxes—which are taxes incurred when an investment is sold—are deferred.
After declining in September, the equity market is now celebrating the economic recovery from the COVID virus and solid growth in U.S. corporate earnings. The S&P 500 Index is now up 22% for the year and is poised to move higher as economic growth is only hindered by distribution bottlenecks in imported and manufactured goods.
Cybercriminals are targeting small businesses with increasingly sophisticated attacks. “Corporate account takeover” is a form of identity theft of a business. Criminals phony emails pretending to be someone you know to trick you into clicking on links or attachments that can lead to malicious software being installed on your computer. Once this happens, they will ask you to enter credentials where they will gain access to your email account. At that point, they will send emails to the bank appearing to be from you to initiate ACH and wire transactions.
Over the past year and a half, record-breaking interest rates—slashed by the Federal Reserve to stimulate the economy—have remained low with some fluctuation. Many prospective homebuyers and homeowners who are interested in refinancing their mortgage are likely wondering if the low rates will persist and whether now is the right time to take advantage of the low rates.
Community banks are threaded into the local economy of many towns in the country. By serving the local residents and businesses with necessary financial services, community banks help them get ahead in their corner of the world.
The S&P 500 Index is consolidating as Washington policymakers postpone important decisions on the budget ceiling and the infrastructure bills. The S&P 500 Index has grown this year as earnings and growth have supported valuations, but now, as fiscal and monetary policies change, we are seeing investor concerns. With fiscal policy, there are many supportive benefits of spending $500 billion on actual bridge and road infrastructure. However, the massive $3.5-trillion “human” infrastructure package is concerning due to higher taxes and escalating inflation. This plan is likely to be debated and downsized before passage – if at all.
The S&P 500 Index is consolidating as Washington policymakers postpone important decisions on the budget ceiling and the infrastructure bills. The S&P 500 Index has grown this year as earnings and growth have supported valuations, but now, as fiscal and monetary policies change, we are seeing investor concerns.
Whether you’re a business or a broker working in conjunction with a business, finding the right commercial real estate loan is almost always required if the business plans to expand or renovate. Commercial real estate loans function similarly to real estate loans, in that the loan requires a down payment and is typically paid off over a period of time, and interest rates can vary depending on the type of loan.
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