Author: Achraf78
Top 16 Financial Tips to Improve Your Finances Now Are you looking to improve your financial health but not sure where to start? Check out these 16 small steps you can take right now to get on the right track. From creating a household budget to setting a monthly savings amount, there are plenty of ways to make progress towards your financial goals. Make sure to review your credit reports, calculate your net worth, and increase your retirement savings rate by 1 percent. Don’t forget to update your account beneficiaries, review your employer benefits, and consider your need for life…
Title: “Navigating Real Estate Commissions: Seller’s Guide to Buyer’s Agent Fees” As the real estate landscape evolves, sellers now have more options to handle agent commissions, especially when it comes to paying a buyer’s agent. Recent industry changes have made it more common for buyers and sellers to negotiate who covers the buyer’s agent fee. This shift raises a crucial question: can a seller refuse to pay a buyer’s agent? In this article, we delve into the implications for sellers, the advantages and disadvantages of paying a buyer’s agent, and how to navigate the new commission process. Who pays the…
Key Findings on Social Security Reform By 2035, the Old-Age, Survivors, and Disability Insurance Trust Fund, or the Social Security Trust Fund, will be depleted, and current payroll taxes will only be able to fund 83 percent of the scheduled benefits. Absent any reforms, Social Security recipients would immediately face a 17 percent cut in benefits. Past reform efforts, such as the 1983 amendments, have not been able to solve Social Security’s long-term funding problem, which is due to a declining worker-per-retiree ratio that now stands at only 3-to-1 and is projected to fall further. Reforms such as using price…
Valuing Real Estate Investment Trusts (REITs): A Comprehensive Guide Real Estate Investment Trusts (REITs) provide investors with an opportunity to access the real estate market without owning physical properties. Understanding how to evaluate and value REITs effectively is crucial for successful investing. In this guide, we will explore key methods and considerations for valuing a REIT. The Basics of REIT Valuation Before delving into valuation methods, it is essential to grasp the basics of what a REIT entails. REITs are companies that own, operate, or finance income-producing real estate assets, such as residential and commercial properties, hotels, and shopping centers.…
The insurance industry is facing significant challenges in the wake of catastrophic events linked to climate change and social unrest, leading to substantial claims. Despite some risks being more predictable than others, the emergence of new data sources offers a ray of hope for insurers and customers seeking ways to mitigate these risks effectively. In a recent Insurance News Analysis, Abbey Compton and I delved into the potential of using satellite data to identify extreme land surface temperatures in cities. This data, with its unprecedented scale and granularity, could prove invaluable for underwriting and public-private partnerships aimed at combating heat-related…
The Evolution of Bitcoin Forks: A Journey Through Major Splits and Their Impact Since its inception in 2009, Bitcoin has experienced numerous forks, resulting in the creation of new cryptocurrencies and variations of the original protocol. As of May 2024, there are over 100 Bitcoin forks in existence, each with varying degrees of adoption and success. These forks have sparked intense debates within the cryptocurrency community, with some seeing them as innovation drivers and others as destabilizing forces. Today, we delve into the why behind these splits, their achievements, and their implications for Bitcoin’s future. Exploring Significant Bitcoin Forks and…
Disclosure: Some of the credit card offers featured on this website are from credit card companies that compensate Wise Bread. This compensation may influence the placement of products on this site. The opinions expressed are solely those of the author and have not been endorsed by the issuer. — Last fall, I fell victim to credit card theft after unknowingly giving my payment information to an email scammer. Despite this embarrassing incident, I learned valuable lessons on how to protect yourself from credit card theft and prevent fraudulent transactions. ### Protecting Your Physical Credit Card Securing your physical credit or…
Exploring Wisconsin: 9 Enchanting Small Towns to Call Home Moving to Wisconsin? While Milwaukee and Madison may be top of mind, the state is brimming with charming small towns waiting to be discovered. From idyllic downtowns to lively festivals, these small towns offer a glimpse into the quieter side of Wisconsin life. Dive into this Redfin guide to uncover 9 delightful small towns in Wisconsin, each with its own distinct character and reasons to lay down roots. 1. Plover, WI Embrace the great outdoors in Plover, a growing town nestled along the Wisconsin River. From the scenic Green Circle Trail…
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From “Handshake Deal” to Stock Shake-Up at 7-11 Growing up in the Midwest, I had a few indulgences as a child. Whether it was cooling off with ice cream at the Dairy Queen or enjoying a meal at the local Coney Island restaurant, one treat always stood out – a visit to my neighborhood QuikTrip for a refreshing drink after a baseball game. QuikTrip has been a staple in the convenience store market, dominating my hometown and other areas across the Midwest. The experience of filling up a large cup with crushed ice and my favorite soda or slushie has…