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A reader says, “I am 30 years old and currently invest in the HDFC Sensex Index Fund for my equity allocation and the Parag Parikh Dynamic Asset Allocation Fund for my debt portion. Articles from freefincal have been very helpful in understanding and making investment decisions for myself. While I must not seek financial advice… The post Can I use Parag Parikh Dynamic Asset Allocation Fund as a debt fund for a long-term goal? appeared […]
Image Source: Shutterstock With rising inflation, longer retirements, and shrinking pensions, more seniors are turning to reverse mortgages to unlock home equity. On the surface, it sounds ideal—get cash without selling your home. But this growing trend hides serious financial pitfalls that many retirees overlook until it’s too late. Lenders are marketing them as a simple solution for cash-strapped retirees. But the fine print often tells a different story. The Appeal of Reverse Mortgages in […]
🎙️Episode #451 – Rentals don’t have to run your life! We’ll break down the systems and tools that keep management simple, stress-free, and scalable. Listen… The post How to Manage Rentals Without Losing Your Sanity appeared first on Coach Carson.
Posted by Earl | Originally published 2019, updated October 2025 Debt feels like drowning in quicksand—the harder you struggle, the deeper you sink. In 2024, the average American household carried $104,215 in debt, with $6,501 on credit cards alone at sky-high 20-24% interest rates (Federal Reserve data). If you’re dreaming of financial freedom but barely scraping by, you’re not alone, and you’re not stuck. I’ve been there—buried under credit card bills, feeling hopeless, until I […]
At a Glance: Tax Liens vs. Tax Deeds: Tax liens are more passive (earning interest on unpaid property taxes), while tax deeds are active (buying properties outright and managing them). Hidden Opportunities: By targeting overlooked niches—such as live tax deed auctions in Texas or under-attended trustee foreclosure auctions—investors can find less competition and better deals. Caution & Preparation: Success requires due diligence, legal guidance, and starting small, as these strategies carry risks alongside strong profit potential. When it comes to real estate investing, few areas strike fear or confusion into the hearts of investors quite like tax liens, tax deeds, and mortgage foreclosures. Many shy away from these opportunities, unsure of the rules, the risks, or the rewards. But for Brian Sidensticker, founder of Tax Sale Resources and Mountain North Capital, these overlooked corners of the market have been the key to building a fortune. By niching down into spaces that most investors ignore, Brian has uncovered hidden inefficiencies and turned them into profitable opportunities. Disclaimer The information provided on this website is for general informational purposes only and should not be construed as legal, financial, or investment advice. Always consult a licensed real estate consultant and/or financial advisor about your investment decisions. Real estate investing involves risks; past performance does not indicate future results. We make no representations or warranties about the accuracy or reliability of the information provided. Our articles may have affiliate links. If you click on an affiliate link, the affiliate may compensate our website at no cost to you. You can view our Privacy Policy here for more information. [embed]https://youtube.com/watch?v=1TNUYvglrWQ&si=s6GoVlGvBoglFad-[/embed] Here’s a breakdown of what these investments are, how they work, and how you might approach them. Tax Liens vs. Tax Deeds – What’s the Difference? At a high level: Tax Lien – An investor purchases a lien against a property because the owner hasn’t paid their property taxes. The investor pays the county the owed taxes, and in return, they receive interest on the lien until the debt is repaid. They don’t own the property just a superior claim on it. Tax Deed – This comes into play when the taxes remain unpaid for several years. At this point, the property itself is sold to recover the taxes, and the buyer takes full ownership. Key takeaway: Tax liens are generally passive—you’re earning interest while holding a claim on the property. Tax deeds are active—you’re buying real estate and taking on all the responsibilities of ownership. Passive vs. Active Investing If you’re looking for a hands-off investment, tax liens might be your best option. You don’t have to deal with repairs, tenants, or property
The Internal Revenue Service has released an early draft of a new form that will make it easier for working Americans to take advantage of tax breaks included in President Trump’s One Big Beautiful Bill Act. The new two-page form, Schedule 1-A, will allow taxpayers to claim deductions on tips, overtime pay, car loan interest, and enhanced senior benefits beginning with 2025 returns filed next year. Read the rest
So you’re up to your neck in a massive pile of debt. There are many circumstances that could have led you here, but responsible financial planning is the one that will get you out. Most debt situations can be corrected with careful planning and intense effort over a period of one to three years. You’ll need to include everyone in your household and be honest about the need for focused debt reduction efforts. You can […]
Debt Validation Company Claims — Truth or Myth? Debt validation” is a real right against debt collectors, but it is not a magic wand that deletes accurate, verified debts or guarantees “50% off every creditor (including fees).” Regulators say companies cannot remove true, current negatives from your credit reports, and they cannot lawfully guarantee uniform […] The post Debt Validation Company Claims — Truth or Myth? appeared first on CuraDebt.
Via Pexels Many people dream about owning a rental property. It sounds simple: buy a place, rent it out, collect income. The idea of building wealth through real estate has been around for generations, and for good reason. A well-managed property can create steady monthly cash flow while also appreciating in value. On top of that, owning physical real estate… Continue Reading→ The post Is A Rental Property the Right Move For You? appeared first on Cash for Kat.
Mesa is a new fintech focused on “homeowners”, currently with a credit card and mortgage lending product. Their Mesa Homeowners Visa Card (issued by Celtic Bank) currently has a 50,000 points bonus albeit with a pretty high spending requirement. The card does have a unique set of perks that could be valuable. Bonus details: 50,000 bonus points after $12,000 or more on eligible purchases within the first 3 months (90 days) of Card Membership. Offer […]
Being contacted by debt collectors is stressful enough when you know for sure that the debt is legitimate. When you’re unsure whether you actually owe the money or how much, the situation is far more complicated. Enough Americans know this scenario because they have faced it multiple times. Perhaps a creditor sold your debt to […] The post Debt Validation Letters: How to Challenge Debt Claims appeared first on CuraDebt.
Unpaid invoices are more than a minor inconvenience. They represent cash that should be in your bank account, paying your suppliers, covering payroll, and keeping your business running. So when customers fail to pay on time, your entire operation can be threatened. No one gets this more than small business owners. According to a QuickBooks […] The post Business Debt Collection: How to Handle Creditors and Stay Afloat appeared first on CuraDebt.