fbpx
Today's Personal Finance Articles
View articles only on the topic you search below.

Good Daily Habits For More Productive Days If you want to get really organized, stay on top of tasks, and enjoy a productive day, you have come to the right place. I know firsthand how frustrating it can be to feel like life is constantly slipping through your fingers. A new distraction or overwhelming to-do … Read more The post How To Get Really Organized in 10 Easy Steps appeared first on Dividends Diversify.

Once a bankruptcy or a consumer proposal is filed in Canada, a “stay of proceedings” kicks in. This article will explain what a stay of proceedings is, how it works, and why it matters for Canadians facing financial difficulties. What is a Stay of Proceedings? jQuery(document).ready(function () { jQuery(“.toggleTranscript”).click(function (e) { e.preventDefault(); jQuery(“.videoTranscript”).slideToggle( “slow” ); }); jQuery(“.closeTranscript”).click(function (e) { e.preventDefault(); jQuery(“.videoTranscript”).slideToggle( “slow” ); }); }); A stay of proceedings is an automatic legal protection that, […]

California drivers may soon feel the impact of Governor Gavin Newsom’s climate agenda as gas prices are projected to climb by 65 cents per gallon in 2025, with further escalations expected over the next 10 years. The governing entity, the California Air Resources Board (CARB), is tasked with executing the most rigorous climate policies globally, aiming for carbon neutrality by 2045. Read the rest

What does Simone Biles, Warren Buffett, and Audrey Hepburn have in common? In their designated fields they are considered successful, not only by their peers but society too. Emulating such levels of greatness is hard when we are knee-deep in life. Yet, we can still infuse success into our everyday lives. We may never achieve the accolades of a few but beating everyone’s expectations, including our own is worth the effort. Success doesn’t have to be the medal-worthy to have value and the easiest way to have success is with small steps that cut out excess. The post Small Steps to Success: Cutting Out Excess appeared first on Budget Life List.

Navigating the staircase can become a formidable challenge as we age or face mobility issues, but this can be solved through stair lift installation. It is a daily trek that many find daunting, not purely from a physical standpoint but also an emotional one. This is where stair lifts for seniors come into play, offering increased mobility and a restored sense of independence. But when considering a chair lift for stairs, one might wonder about the comfort […]

The Big Picture On Earning Infinite Returns Through Real Estate Investment: Infinite returns mean pulling out your initial investment to reinvest elsewhere while still earning on the property. Focus on properties you can renovate and refinance to start building equity fast. The BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat) is popular for achieving infinite returns in rental properties, but it requires careful planning, especially around managing refinancing costs and market fluctuations. Real estate syndications can offer infinite returns without day-to-day management but keep an eye on potential risks, like debt levels and market downturns, which can affect cash flow. 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.    If you earn $1 on a $0 investment, what’s the rate of return? What about $100? $1,000? The answer’s the same: any return on a $0 investment is an “infinite return” since you’re dividing it into zero. You earn something on an investment of nothing. But how does that actually work in the real world? Doesn’t it “take money to make money” and all that? Sort of.   What Are Infinite Returns? When you invest money in real estate — or anything else, for that matter — you ideally earn a return on it. However, real estate has a unique advantage over other assets: you can borrow money against it relatively cheaply at a high loan-to-value ratio (LTV). Even better, you can force appreciation through property improvements. That combination means you can buy a fixer-upper, renovate it to boost its value and create equity, and then refinance it to cash out that newfound equity. And in doing so, pull your original down payment back out of the property, potentially leaving you with $0 of your own cash invested in it. Every dollar you earn in returns from that point onward represents an infinite return on your $0 investment in the property. You can earn infinite returns on direct property investments or through real estate syndications. Strategies for Generating Real Estate Returns Without Capital at Risk Strategic positioning is the secret to achieving returns without having your capital tied up long-term. Sounds simple, right? Yep, but it’s not as easy. Strategy Type Key Requirements Main Benefits Forced Appreciation Construction or renovation expertise; Good contractor network Property value increases under your control

Canadian healthcare is universal however, there are areas where MSP doesn’t cover you- like dentist, optometrist, or massage therapist visits. Prior to my husband coming onto my extended health benefits plan, I think he went for a teeth cleaning every 3 years. That’s okay, his … Read morePolicyMe Health & Dental Insurance Review The post PolicyMe Health & Dental Insurance Review appeared first on Genymoney.ca.

Grenoble is an ideal blend of mountains and livability. The 16th largest French commune has Alpine views in every direction, but the city itself is almost entirely flat. This pairing gives Grenoble the feel of being in the mountains, but it doesn’t leave you out of breath when walking or biking. The downtown is almost […] The post Grenoble Makes The Grade appeared first on Bonus Nachos.

This year, I simplified the two monthly articles that I’ve done for years – passive income and goals/resolutions. I’ve combined them and added some personal details. Personal Monthly Recap The month started with my wife deployed for Hurricane Helene. We went to a local Harvest Festival and entered my cousin’s zucchini, which won first place. Our kids did some tug of war and sack races – lots of old-fashioned fun. We had a special trip […]

Now that the Fed has cut rates yet again, it looks like the housing market might start heating up. This means that you may finally get the chance to get a reasonable mortgage rate. Of course, reasonable is a relative term. Mortgage rates are still elevated today compared to their pre-COVID levels. As a result, this begs the question: should you put more than 20% down when buying a home? The recommended downpayment for a home in the U.S. is 20% because this is the amount that makes borrowers more attractive to lenders. When you put at least 20% down, you get better loan terms, a lower monthly payment, and can avoid private mortgage insurance (PMI). But going beyond 20% is a different question. When interest rates are high ( >8%), putting more than 20% down can be a no-brainer, especially if you can’t earn anywhere near that rate elsewhere. And when interest rates are low (

123rf Dwarf shrubs are the perfect addition to any garden, offering vibrant colors, textures, and shapes without taking up too much space. They’re low-maintenance, versatile, and ideal for filling in gaps or adding structure to garden beds. Here’s a guide to some of the most stunning dwarf shrubs that will enhance your outdoor space. 1. Japanese Boxwood (Buxus microphylla) Amazon Japanese Boxwood is a popular dwarf shrub known for its dense, glossy green foliage that […]

123rf Securing a mortgage is a big step toward homeownership, and a “conditional loan approval” might be the green light you’re looking for. But what is conditional loan approval, and what does it mean for your dream of owning a home? Here’s everything you need to know to understand and navigate this crucial step. 1. What is a Conditional Loan Approval? A conditional loan approval is a step between mortgage pre-approval and final approval. This […]

If you’ve ever watched extreme couponers fill their carts without breaking the bank, you’ve probably wondered how they do it. The secret isn’t just in collecting coupons; it’s also about having smart shopping list ideas that maximize savings. By knowing what to buy and when, you can make the most of every coupon and get the biggest bang for your buck. Here are ten savvy shopping list ideas to help you save big on your […]