How to Get a Good Return on Investment

Investors of all experience levels stay on the lookout for opportunities to gain the most profit possible from the money they invest. And while there are no guarantees in the world of investing, there are several investments that have stood the test of time while consistently delivering positive returns to investors.

S&P 500 Index Fund

The S&P 500 Index Fund includes a collection of America’s largest companies. Investors that hold on to shares in the fund for the long term can minimize the risk they face due to the hundreds of companies that are part of the fund and realize a good return on the money they invest.

These investments are great for individuals who want more in return than what they can receive through bonds. Investors should also possess the time anfd patience to await these higher returns.

Real Estate Investment Trust

REITs provide more people with the opportunity to invest in real estate. These companies own and manage income-producing real estate.

REITs allow individuals to enjoy the benefits of real estate investing without the hassle of owning and managing a property on their own. Retirees and other people in search of passive income that provides them with a good return on investment have found what they were looking for with real estate investment trusts.

Investors can choose from various subsets within REIT markets that include housing, commercial, retail, and hotel REITs. Regardless of the subset, investors will benefit most by concentrating on REITs that have a long history of healthy dividend payments instead of allowing themselves to fall in love with a “hot for the moment” investment. Publicly traded REITs found on public exchanges also provide more security than private funds in most cases.

Dividend Paying Stocks

Buying stock in an individual company versus a fund can be a bit risky. However, the return provided by a stock that pays dividends often remains unaffected by the market. This investment is a great option for generating a passive income over the longterm. According to the experts at SoFi Invest, “You can buy stocks in the form of individual equities, mutual funds, exchange-traded funds, and more. Your potential rate of return will differ based on the types of stocks you purchase and how risky they are.” Stocks that pay dividends also provide value to the investor who wants to grow their portfolio by reinvesting dividends they earn.

One metric that will allow individuals to measure the potential volatility of a company is the stock float. The stock float represents the total number of shares that are available for sale or purchase. Stocks with a high float are more predictable and can better withstand increased action of any kind. Low float stocks tend to be reactive and can make large moves in either direction with less instigation.

Growth Stock Funds

Growth stock funds allow investors to minimize the risk they take by spreading the investment over a group of growth stocks instead of rolling the dice on a single company. This investment option works well for beginners and experts alike and is perfect for diversifying a portfolio. Growth stock funds are also good choices for investors that can stand a bit more risk in exchange for a higher return on investment.

The Takeaway

The goal of every investor is to enjoy a good return on the money they choose to invest. The four investment options above represent some of the most solid options available.

Should I get a lawsuit loan?

No one wants to become involved in a lawsuit. They can be stressful and time
consuming. You might worry about the impact on your mental health, finances, or the
needs of your family.

However, sometimes lawsuits aren’t avoidable. In fact, there are times when you will
need to be involved in a lawsuit to get the justice you deserve. The justice system
exists to make sure that the world is a fairer place. So, if you’ve been injured and it
wasn’t your fault, for example, you shouldn’t then find yourself out of pocket.
While some people can afford to pay for legal procedures, others will struggle to find
the finances. This is why you can now get PI lawsuit loans, which can be offered
before your lawsuit or case actually settles. Here’s a breakdown of lawsuit loans.

What it covers

If you’ve been in an accident and it wasn’t your fault, you might find yourself out of
work and struggling to make ends meet. You might be worrying about rent or
mortgage payments without an income. Life can be expensive, especially when you
have a family to feed. Lawsuit loans can help with this. If you’re going through a
lawsuit to try and get compensation, you might not receive this money for a long
time. Lawsuits can take years to settle in some cases. That’s no good, because you
need the money now. Lawsuit loans work well in this instance, as they can cover
these expenses during your lawsuit.

Time period

So, how quickly can you get the money? It varies on a case-by-case basis, but it can
be a swift process. Once you’ve filed your lawsuit and are represented by an
attorney, you can send your case to be reviewed by a legal funding underwriter. You
could then be offered a portion of your settlement as soon as 24 hours later. Of
course, this all varies depending on which lawsuit loan company you use and what
their policies are. The amount you will receive will also be directly related to the
injury you have had. The more serious or damaging the injury, the more money you
will receive.

Paying back

Loans can be worrying because of paying them back. Money isn’t often dropped into
our bank accounts without any repercussions. However, some lawsuit loan
companies only expect to be paid back if you have won your case. Often, the
company will receive direct repayment from the settlement once the case has
finalized. So, if your case fails and you don’t get any reward, you won’t have to pay
back the loan. The company will assume all risk. However, companies vary so make
sure you read the small print and talk through any concerns with your attorney.

How to Pay Off Your Debt with a Zero-Sum Budget

Credit cards, student loans, car payments, mortgage — the average American now owes $137,063, including mortgage debt. Younger people are more likely to carry higher credit card and student loan balances, but even though you’re more likely to owe much more on your mortgage as you grow older, retired Americans still carry an average of $2,500 on credit cards.

What financial goals could you achieve if you didn’t have to pay on credit cards, student loans, and car payments every month? You could pay off your mortgage earlier, put more away for retirement, or save more for a house downpayment. Even if it’s not your goal to become completely debt-free, paying off high-interest credit card debt and difficult-to-discharge student loans can only improve your finances. Zero-sum budgeting — a budgeting method by which every dollar you make is accounted for in some way — can help you get there.

Zero-Sum Budgeting Explained

The goal of zero-sum budgeting is to use every single dollar you make, either by spending it, saving it, investing it, or using it to repay debt. You can use a spreadsheet or a pen and paper to add up your income and expenses, then allocate each dollar to a purpose. At the end of each month, your budget should balance out to zero. At the very least, you should have a small amount of cash left over at the end of the month, but you should never overspend and go into the red.

Applying the Zero-Sum Method to Your Finances

Zero-sum budgeting is a fairly straightforward method to put into practice. Use your previous month’s income and expenses to get a realistic picture of how much you’re making and how much you spend. If you’re completely new to budgeting and haven’t been using any budgeting software to track your expenses and spending so far, you’ll need to carefully go over your previous month’s bank statements and credit card statements. Figure out how much you took home last month after taxes (remembering to add back in any amounts deducted from your paycheck for retirement, health insurance, and other benefits).

Next, add up all your spending for the month and divide it into categories: housing, utilities, groceries and eating out, insurance, car payments, phone bills, and so forth. Remember to include minimum payments on credit cards, student loans, mortgage debt, and car payments, even though you may pay more than the minimum on those debts in months to come. For the first month, at least, leave yourself wiggle room — add another 15 percent to the amount to cover expenses you may have forgotten.

Once you’ve brainstormed all your essential expenses — things you can’t live without, including clothes, gas, personal care items, and grooming — don’t forget to leave yourself from room for fun. While you might well be able to cut back on frivolous spending like eating out, going out drinking or to other entertainment, and miscellaneous shopping for nonessentials, you still need to give yourself some money to enjoy the things you enjoy. Otherwise, you’ll start to feel deprived and struggle to maintain your budget and reach your financial goals.

As you go over your spending for the previous month and put it into categories, you’ll begin to see areas where you can cut back. Maybe you have more streaming subscriptions than you need, or you’re still making monthly Patreon donations to that podcast you lost interest in months ago. Maybe you’re spending hundreds a month on restaurant meals or buying stuff you don’t need. By taking a look at your spending and setting some achievable goals, you can free up lots of money for debt repayment, and you can start an emergency fund that can keep you out of debt in the future.

Pay Yourself — and Your Creditors — First

It’s all-too-easy to sabotage a zero-sum budget by deciding to “wait and see” how the month pans out and pay “what you have left” towards debt. If you do that, you’re already setting yourself up to fail. Instead, commit to the budget and use the pay yourself first method to save and pay off debt.

Figure out how much you have to pay toward debt and pay it right away from each paycheck. Set up an automatic transfer to send funds to your emergency fund in your savings account. Then you don’t have to run the risk of spending it when you go over budget in one of your other categories.

Are you living paycheck to paycheck and racking up credit card debt, despite having a healthy income? A zero-sum budget can help you find the extra funds to knock out debt, fast, so you can focus on achieving your financial goals.

Cut Back on Your Overspending

Like many Americans, you may be home right now with very little to do because of pandemic closures. One temptation that you may face is the urge to shop, both online and in the store when they are open. Overspending can be a very real danger that you might face, and it can blow a hole in your personal finances. Here is how to avoid overspending when you are shopping.

 Put Some Speedbumps on Amazon

 One of the striking things about the online superstore is how easy they have made it to buy something. You can even swipe right like you are on an online dating app, and your item will be on your doorstep tomorrow. What you gain in convenience, you lose by giving yourself a massive credit card bill at the end of the month.

 One way to avoid this is by doing everything you can to slow up your purchase process. Do not let Amazon store your credit card number on the site. The time that it takes for you to manually enter in your credit card will be enough for you to stop and think whether you really need the thing that you are buying. This can slow you down and help you avoid impulse purchases. Sometimes, a brief moment of reflection is enough to keep us from buying something that we do not really need.

 Cut Back on Online Shopping

 As stated above, online shopping feeds problem shopping for many people. If you have a spending problem, chances are that the convenience will only make it worse for you. To the extent that you can, shopping in the store is another way of adding extra time to the process to get you to slow down and think.

 Just the extra time that it takes to drive to the store and walk to the checkout counter is enough to get you to be a little more intentional about what you are doing. There is more effort and planning involved in physical shopping, and there is less of a risk that you will be as impulsive. Online shopping is built to make it easy for you to run up large amounts of debt sitting on the couch in your pajamas.

 Be Skeptical About Sales

 Every retailer is always running some sort of sale. They are trying to convince you that the bargain that you could get today will not be here tomorrow. As a result, you would need to act fast or else risk missing out on a great deal.

In your mind, the word “sale” should not equate to the phrase “must buy.” First, many retailers are great at convincing you that the regular daily price of something is considered a sale. They arbitrarily pull out a higher price and put a line through it in their effort to convince you that you are saving money.

 Given all of the competition that there is in e-commerce and retail, chances are that you can find the same exact price elsewhere a week later if you find that you still need the item. There are very few deals out there that are too good to be passed up with some extra time to think about the purchase. Retailers have become very good about creating buzz because this is what they need to do right now to survive.

 Use Shopping as a Reward

 Spending money on yourself beyond the essentials that you need for daily life should be a special occasion that is not meant for everyday life. Shopping for luxuries should be a way of rewarding yourself when something good happens. When you place limits on the circumstances under which you shop, you reduce the risk of overspending on a daily basis.

 The more opportunities you have to shop, the higher the risk that you could put yourself into debt. You should change the psychology around your shopping to make it more of a special occasion. This includes cutting back on shopping that is done to medicate you and make you feel better.

 Shopping can be a great thing for people who do it responsibly. The thrill of buying something new makes our daily lives better so long as the rest of our lives are not mired in debt because of it.

Best Strategies on How to Improve Your College Studies – 2020 Guide

Best Strategies on How to Improve Your College Studies – 2020 Guide

Establishing how you can effectively study provides a solid foundation as you endeavor to attain academic success. From the how, where, and when, however, adopting a practical way to improve your college studies can be challenging. As you consider the best tips to help you strategize an approach to enhance your college studies in 2020, here are a few straightforward pointers you can include.

Establish your learning style

Do you learn well in a quiet environment, or do you prefer a noisy setup? We learn differently, and the critical consideration is to understand your preference and find a space that best suits your style. You can experiment with a few areas to find the best spot. The obvious starting point is the library, an area frequented by learners and equipped with various materials. While the quite environment might be the apparent choice, you could also try other areas such as less-trafficked cafeteria areas, among other campus spots. You could find that you are better off with a little noise while working on specific subjects, while others demand an environment such as the environment.

Learn how to manage your time

Do you spend half of your intended study time working on assignments you can hardly get through? Time management goes a long way in enhancing your productivity. For instance, instead of struggling with an assignment, it would help if you seek help from your peers or enlisted professional assistance from services such as Adeptassignmentdoers. This ensures that you spend as little of your session on assignments while getting adequate time to study and understand such challenging topics.

Set realistic goals

You won’t go from a C-student to straight A’s in weeks; it takes time and commitment. Having realistic goals, such as a few A’s and B’s, is a lot more practical, as you won’t be frustrated if, at the end of the semester, you aren’t on top of your class. With such goals, you’ll have an easier time scheduling your study sessions with a clear idea of what you intend to cover per period in a given week.

Stick to a study routine

You’ve identified the best spot and decided that the afternoon would be the best time to proceed. Now, here is the hard part; adopting the habit. Sticking to a routine, such as the same time throughout the week, makes it easier to include the tradition in your lifestyle. With such consistency, you also improve the session’s productivity as you’ll be mentally prepared. Even when hiccups hit and you are disrupted, it will be easier it get back on track and maintain the routine.

Prioritize challenging topics

Do you usually procrastinate whenever you hit a snag? That’s a typical behavior below-average students possess, a destructive consideration that could sink your performance a lot deeper. Prioritizing challenging topics allows you to study while still fresh while ensuring that you aren’t dwelling in comfortable areas.

Stay energized

Regular breaks, proper hydration, and ensuring that you are nourished go a long way in facilitating productive study sessions. During the holidays, take a walk, a snack, and keep water nearby. This ensures that you don’t feel overly tired and overwhelmed significant concerns that can affect your concentration. Enough sleep is also essential, stressing the need to maintain a study routine. This eliminates the need for the last-minute rush that could see you spending your nights struggling to cram as exams fast approaches.

Be actively involved

From being interactive in class and joining various study groups, taking the initiative could dramatically improve your performance. For instance, engaging other students through study groups keeps you on toes as you strive to ensure that you aren’t lagging. You also get a chance to discover tricks others use to enhance their studies.

Improving your college studies isn’t a walk in the park, but it is manageable with the right strategies. With the above tips, among others, you can tailor a practical approach that goes beyond improving your grades, enhancing your success rate as you endeavor to become a top college student.

Ease Your Family’s Debt Burden With Silvertail Associates

Caring about your personal finances can change your family’s life beyond anything you can imagine. 

When you take the time to learn and understand about the basics of finances, you’ll learn how to manage your money wisely. When you do, it’s inevitable that learning how to spend, save, and invest better will also improve your financial situation. 

Eventually, of course, when you have more money available then your family will have many more choices in life. 

Let’s take a closer look at how you can get wonderful results if you adopt an effective debt relief strategy, get a side hustle, automate your payments, work with your spouse to manage your money, and get a better bank. 

Use a Proven Debt Repayment Plan

Sit down with your spouse and review how much you owe. If it’s an exorbitant amount, then you will have a hard time making payments, but it still may be low enough for you to get a debt consolidation loan from Silvertail Associates. A debt consolidation loan is a personal loan that will put you on the right track to pay off all your debts. It’s structured in a way that will allow you to pay off all your debts over a long period of time, paying only an amount that you can afford each month. 

Get a Side Hustle

You can earn more money than your job pays you by starting a side hustle. Unlike a part-time job, a side-hustle is more flexible because you’ll be self-employed. The extra money you earn will make an enormous difference in improving your personal finances. You will have more money available to get the things you need as well as reduce your debt burden. When picking a side-hustle, you have to be careful to avoid get-rich schemes. They often appear as simple copy-and-paste business opportunities. Unfortunately, when you buy a “business in a box,” you’re more likely to pull more money out of your pocket than you put in. As American actress Emmy Rossum once quipped, “When something looks too good to be true, it usually is.” 

Automate Your Finances

It’s unnecessary to spend a lot of time on your personal finances to stay organized. Our digital age makes it easy to automate your finances. You can, for example, automate savings by redirecting a percentage of your direct deposit to your savings account. You can also automate many of your bills. And you can even automate many of your regular online purchases, such as the vitamin supplements you buy every month. 

Budget With Your Spouse

What often happens in a marriage is that one partner takes sole responsibility for the finances. Although this is a practical arrangement, especially if one partner enjoys managing money and does it well while the other considers it tedious, this can cause long-term problems if the couple gets divorced or the money managing spouse dies. By working on your family budget together, you’ll both be able to agree on what’s happening with your money as well as keep up-to-date with your financial planning skills. 

Switch Banks

If you are unhappy with your bank’s services, you should change to a better one. Perhaps your bank pays low-interest rates on your savings account while charging you high fees for your checking. Perhaps it doesn’t provide many of the banking services offered by other banks. If you’re dissatisfied with your bank, consider switching banks. On one hand, this is difficult because after you open up a new account elsewhere and redirect automatic deposits and payments, you may have to keep both accounts open until you can fully transition to your new bank. On the other hand, it’s unnecessary to put up with inefficient banking services or restrictive banking practices that drain your funds. 

Give up “Playing Rich”

As you take charge of your finances, you may find that you can’t keep up with your extravagant family and friends. The thing to remember is that they may often incur high levels of debt to give the appearance that they are flourishing. Your chances of getting ahead are far better if you do the right things with your money.

Common Money Mistakes Made By New Graduates


College graduation marks the end of one stage in life and the beginning of a new one. The pursuit of a well-paying job and financial independence begins, and life takes on a new trajectory.

One common hindrance fresh graduates encounter is the lack of proper financial management skills. This guide seeks to introduce you to common money mistakes you are likely to make and how to avoid them.

1.    Rushing to own a home

The moment you start getting a steady flow of income, the urge to buy a home becomes virtually irresistible. There is nothing wrong with early homeownership, but it is not a wise decision to rush into. It is costly, engrossing, and time-consuming. You want to be sure you have the time and the money to spend before committing.

2.  Not creating a budget

It doesn’t matter how much money you make; the lack of a budget can take a serious toll on your financial progress. You are more likely to indulge in impulse buying and conspicuous consumption, only to find yourself with nothing by your next payday. A budget can help you circumvent that and instill financial discipline, while avoiding the hassle of jotting down notes every evening. You can easily use one of the numerous Google Sheets templates designed specifically for personal budgeting.

3.    Not setting up an emergency fund

Emergencies are unpredictable, and lack of an emergency fund can reduce you to begging when the chips are down. Whether it’s a hospital bill that exceeds your insurance cover or sudden loss of a job, these events can wreak havoc on your savings account and plunge you in misery. An emergency fund braces you up for the worst and ensures you go about your daily activities with confidence and peace of mind.

4.    Failing to look into the future

When retirement is more than 30 decades away, saving for old age may not come as common sense or a natural thought. Many people don’t prepare for retirement, and most of the time, this means being overly mean to themselves to meet their savings objectives. Setting up a retirement account or contributing towards your employer’s 401K upon landing your first job provides you with a longer savings period, ensuring you part with a smaller fraction of your salary.

5.  Not setting a credit card spending limit

Credit cards offer a vast range of benefits: they ensure safer online shopping and help holders build their credit score. On the flip side, they can make you a reckless spender and prove a substantial financial burden in the future.

Besides finding a credit card that doesn’t give you too much freedom, it would also help if you included a card spending limit in your budget.


Financial discipline at an early stage is key to a debt-free and peaceful future. You can achieve it by avoiding the above mistakes and making moves with tomorrow in mind. Don’t shy away from seeking professional help if you find these too difficult to implement.