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An asset-protection trust can help seniors in need of constant nursing care pay the substantial costs of assisted living or skilled nursing facilities and at-home help. Average daily nursing home costs can exceed $297 and can be significantly higher in certain metropolitan areas, according to a 2021 Genworth survey. Medicare, the federal health care program

Bonds and interest rates have an inverse correlation: as interest rates increase, bond prices fall. However, the more the Federal Reserve hikes interest rates, the better news potentially for municipal bond investors. Municipal bonds (or “munis”), long touted as among the safest, most tax-efficient debt investments available, were hit hard in the wake of the

Free on Board Shipping Point vs. Free on Board Destination: An Overview International commercial laws have been in place for decades and were established to standardize the rules and regulations surrounding the shipment and transportation of goods. Having special contracts in place has been important because international trade can be complicated and because trade laws

The principle behind life insurance is simple, in theory. It’s also morbid, at least compared to other financial services. You pay small amounts at monthly intervals, so that when you die, a beneficiary of your choice gets a sum of money approximating what you would have earned had you stayed alive. That’s the stark truth

Investors’ demand for exchange-traded funds (ETFs) continues to grow. ETFs are a cost-effective way for novice investors to begin investing in the stock market and they remain a great diversification tool for experienced investors. The attraction of ETFs is owed to their lower fees, as well as the lower risks they provide through broad diversification.

Individual investors have continued to surge into the market in 2021, with the pandemic playing a key role in giving people the time to take control of their portfolios. Comparing costs has become less straightforward, however, as most online brokers have eliminated the trading fees that were the easiest method of direct comparison. To evaluate

Selecting the best brokers for international trading ultimately comes down to who has the most products in the most markets, but we also judge the best international trading platforms in terms of their quality and tools. Interactive Brokers (IBKR) emerges once again as the overall winner with the best online broker for international trading and

Our best brokerage accounts for beginners have features that help new investors learn as they begin their investing journey. The best trading platforms for beginners were selected based on top-notch educational resources, easy navigation, clear commission and pricing structures, portfolio construction tools, and a high level of customer service. Some online brokers for beginners also

If you’re an investor in real estate, especially in a large metropolitan area, you might have considered opening your rentals to Section 8 tenants. This federal program assists those with low incomes to find housing by subsidizing a portion of their monthly rent. As a landlord, there are pros and cons to accepting housing vouchers.

Professional forex traders have long known that trading currencies requires looking beyond the world of FX. Currencies are moved by many factors, including supply and demand, politics, interest rates, speculation, and economic growth. More specifically, since economic growth and exports are directly related to a country’s domestic industry, it is natural for some currencies to be heavily

Founded in 2010, Pinterest (PINS) is a San Francisco, CA technology company that is best known for its pinboard-style photo-sharing website. Users leverage the platform to create and manage theme-based photo collections of hobbies, events, or anything else of general interest. Pinterest went public through and initial public offering in April 2019 and the stock

Mortgage rates were generally up in tiny increments Thursday. The 30-year average added just a basis point, though the 15-year average saw a minor dip. Today’s National Mortgage Rate Averages The 30-year average climbed a single basis point Thursday, rising to 6.04% and keeping it above the notable 6% threshold. On June 14, the flagship

In a speech on Aug. 26, 2022, Federal Reserve Board Chair Jerome Powell stated: “The Federal Open Market Committee’s (FOMC) overarching focus right now is to bring inflation back down to our 2% goal.” He added: “Price stability … serves as the bedrock of our economy. Without price stability, the economy does not work for

If you are taking a protected leave of absence from work under the Family and Medical Leave Act (FMLA), you may need to fill out FMLA forms to satisfy your employer’s requirements. The act was signed into law by President Clinton in February 1993. It requires that certain employers allow eligible employees access to unpaid time

Most variable annuity (VA) contracts include an insurance component that provides a death benefit. The death benefit is usually triggered by the passing of the annuitant, although there are contracts in which the contract owner’s death triggers the benefit. That’s because annuities allow for the owner and annuitant to be different people. Key Takeaways Death

With so many different types of online brokers available to investors, it can be tough to choose one that works best for you. That’s why we put these U.S.-based online brokers through a comprehensive review process that included hands-on research to determine the best in the industry. We publish unbiased product reviews; our opinions are

Trustpilot is a digital platform that allows customers to review a business from which they’ve purchased a product or service or contacted customer service. Customers provide a star rating—from one to five—and leave comments about their experience with the company.  The reviews are a way for consumers to gauge the reputation of a given company

In order to trade or invest in financial instruments like stocks and cryptocurrencies, you need a broker who will execute the orders in the market on your behalf. To help determine the broker that works best for you, we conducted a comprehensive review process of the top online brokers and trading platforms.  When choosing a

If you borrowed money to pay for school, your first question might be how best to pay off your student loans. The short answer is that there’s no magic bullet, but there are definitely things you can do to make paying back education debt easier. Student loan debt reached an all-time high of $1.61 trillion

President Joe Biden campaigned on an economic platform to shore up the middle class, extend health care, raise taxes on the wealthy, and invest trillions of dollars in green energy infrastructure, among other issues. On March 11, 2021, Biden won his first major economic victory when he signed the American Rescue Plan Act of 2021