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I asked a financial planner how I can grow my passive income since I can't work more in a week. It felt like the only way to continue to expand and earn more money would be to introduce passive income streams. But in 2024, I found myself eager to find a few new passive income streams. "Audit what you're already working with and see how you can turn it into a passive income stream." After a month, I was able to bring in $390 in passive income just through those ads.

Persons: —, I've, Jeff Rose, Rose, it's, It's, you've Organizations: Service

Many people leave too much money in their high-yield savings account instead of investing it. Most experts recommend keeping at least three to six months of expenses in a dedicated savings account as an emergency fund. Ideally, these funds are kept in a high-yield savings account that earns enough interest to keep up with inflation and then some. The fact is, interest rates for savings accounts and CDs fluctuate based on market conditions. Get Exclusive Savings with Raisin: Open one of the best savings accounts with a no-fee Raisin account in minutes and spread your savings across an exclusive network of over 30 FDIC-insured banks and NCUA-insured credit unions.

Persons: —, Lawrence, Regina McCann Hess, Hess, Jeff Rose, Will, Shinobu Hindert Organizations: Service, Nasdaq, Vanguard, Fidelity

Investment apps have made it too easy to check your investments, financial advisors say. Find a Qualified Financial Advisor Looking for the right advisor for you? Datalign Advisory makes finding a financial advisor specific to your needs easier than ever. "If you've done your homework or worked with someone to create a good long term investment plan, trust that it's going to work." Focus on what you can controlFinally, financial advisor Russ Ford of Wayfinder Financial says most people have limited time and mental energy to spend thinking about money.

Persons: —, Thomas Kopelman, Jeff Rose, you've, Rose, Jordan Nietzel, Get, Stephen Carrigg, There's, Gregory J, Cameron L, Richard Cooke, David H, DeWitt, Russ Ford, Ford Organizations: Investment, Service, Dow Jones, Trek Wealth, SEC, Bentron Financial, of Sound Foundation, Advisors, Vincere Wealth Management, DeWitt Capital Management, Wayfinder Locations: Indianapolis, DeWitt

If you have all or most of your money in a single investment account, you're missing opportunities to build wealth. If you're serious about building wealth, there are seven types of accounts you need to have to make it happen. If you're making estimated quarterly tax payments, you'll need to accumulate funds in your tax savings account as you earn them. Note that a "tax savings account" is not a different banking product — it's just a designated use for a savings account, like an emergency fund would be. (Like the tax savings account, this isn't a different product your bank offers — it's a specific use for an account like a high-yield savings account.)

Persons: —, Ally, Charles Schwab, it's, you'll, Roth, you've, It's, Robinhood, That's, We're, There's, I've, multimillionaires, Read Organizations: Service, Roth IRA, Roth, IRA

Your debt-to-income ratio is the percentage of your monthly income that goes toward debt payments. Besides looking at your credit score, payment history, assets, and cash flow, they also consider your debt-to-income ratio. Debt-to-income ratio (DTI) is the percentage of your monthly gross income that goes toward paying existing debts. You can have a DTI ratio as high as 43% and still get approved for a mortgage, though Rose says lenders would ideally like to see a total DTI ratio of 36% or less with 28% going toward housing expenses (front-end DTI). Debt-to-income ratio frequently asked questionsIs 50% a good debt-to-income ratio?

Persons: Scott Bridges, Rose, Jeff Rose

☆ Can You Pay a Mortgage with a Credit Card?
▼ + stars: | 2023-10-18 | by ( Michelle Lambright Black | ) www.wsj.com time to read: +10 min

“Eventually something is going to blow up.”That said, paying your mortgage with a credit card can make sense in a few circumstances, such as when you’re trying to earn a credit card sign-up bonus. How to pay your mortgage with a credit cardIn general, mortgage companies and mortgage loan servicers do not accept credit cards as a form of payment. If you plan to buy gift cards with your credit card and use them to pay your mortgage, it’s important to review your credit card issuer’s policies first. Most people consider paying their mortgage with a credit card for one of two reasons—they want extra time to make their mortgage payments or they want to earn credit card rewards. Potentially, yes: You want to earn credit card rewardsThere is one scenario where paying a mortgage with a credit card may make sense.

Persons: Michelle Lambright, ”, Jeff Rose, Plastiq, it’s, LaToya, “, You’re, Cash, Kevin Payne Organizations: Mastercard, Western Unions, Chase, Capital, Federal Reserve Locations: Plastiq, Birmingham, It’s

I asked money experts for tips on how to get the most out of selling stocks by the end of the year. I'm going to use tax-loss harvesting to maximize the benefit I get from selling stocks. One pain point I'm addressing is that I have lost so much money in the stock market this year, and I just want out. With his recommendation, I sat down and reviewed each individual stock, looked into the company's earning reports, and researched news about emerging trends in that industry. However, Han shared a caveat that's important to know if you're someone who plans to keep on buying and selling stocks.

Persons: I'm, —, I've, Jeff Rose, Lei Han, Rose, Han, shouldn't Organizations: Service, CPA

Delinquency on your credit report: While a credit card default occurs once your payment is over 180 days late, the consequences of a missed payment start far earlier. Closed credit account: When you default on a credit card, your card issuer almost always closes your account. The good news is that your credit is pliable, so you'll bounce back from a credit card default eventually, as long as you don't fall into default again. Credit card default frequently asked questionsCan I apply for a credit card I defaulted on? If you default on a credit card, that credit card issuer may bar you from any other lines of credit, even if you've rebuilt your credit.

Persons: Mark Stewart, Jeff Rose, Rose, Stewart, you've, it's Organizations: Federal Reserve

The stock market can seem like a scary places. We reached out to financial advisors to find out their thoughts on storing cash in savings instead of investing, and here's what they said. Villar uses the example of CD rates from a year ago, which were around 3.5% for a 48-month CD. In the meantime, some investment gains in the stock market could have more favorable tax treatment. Further, consumers can use high-yield savings accounts and CDs as part of their investment strategy to hold their emergency funds, short-term savings and risk-free investments.

Persons: Jeff Rose, Mike Villar, Villar, John Grace, Walter Russell of Russell, Russell, Read Organizations: Investor's, Corporation, Walter Russell of Russell & Company

Logos of Swiss banks UBS and Credit Suisse are seen on an office building in Zurich, Switzerland March 19, 2023. The changes are aimed at producing unified teams following the completion of UBS's emergency takeover in June of Credit Suisse. Under the shake-up some Credit Suisse bankers will take on bigger roles in the combined company while some others leave, the sources said. Matt Eilers, UBS's global head of financial sponsors, is also in talks about possibly leaving, two of the sources said. His co-head would be Christian Lesueur, who has been global head of TMT investment banking, the sources added.

Persons: Denis Balibouse, Sergio Ermotti, Jeff Rose, Jon Levin, Matt Eilers, Rob DiGia, Rose, Levin, Eilers, DiGia, Laurence Braham, Lesueur, Steve Pettigrew, Braham, Neil Meyer, Abigail Summerville, Milana Vinn, David Carnevali, Leslie Adler Organizations: UBS, Credit Suisse, REUTERS, UBS Group AG, Suisse, Reuters, Swiss, Barclays Plc, Bank of America Corp, Barclays, Thomson Locations: Zurich, Switzerland, Americas, Milana, New York

☆ On ‘The Blog Era,’ Resurrecting Rap Media History
▼ + stars: | 2023-05-18 | by ( Reggie Ugwu | ) www.nytimes.com time to read: +1 min

In all, the Rosenthals conducted more than 150 interviews spanning more than 500 hours of raw tape. In a recent video interview, Jeff, 38, and Eric, 42, discussed corralling their subjects, memorializing digital culture and what caused the blog era’s demise. JEFF ROSENTHAL We’d been doing this weekly interview podcast, “A Waste of Time,” for five years, but when the pandemic happened we stopped pretty much immediately. It didn’t really make sense to have people coming over to our apartment to record. We think all of these places deserve monuments, so we wanted to make sure they were remembered in the right way.

☆ Beware the ‘pig butchering’ crypto scam sweeping across America
▼ + stars: | 2022-12-26 | by ( Josh Campbell | ) edition.cnn.com time to read: +6 min

New York CNN —The FBI says America has a “pig butchering” problem. “We’re talking about a cryptocurrency investment scam that is sweeping the country.”The term pig butchering refers to an unsuspecting victim — the “pig” — being tricked by scammers into forking over money for a promised high rate of return. Once criminals “fatten up” their victims’ digital wallets, they steal the money, Rosen says. “Online criminals’ scams are only limited by their imagination, and they have an impeccable sense of timing,” says Fisher. “They will not make you pay in advance to collect your money.”There were approximately 60 fake sweepstakes victims in New Mexico alone last year whose collective losses totaled $1 million, he says.

☆ Black Airbnb guest shot by neighbor while walking to grocery store, officials say
▼ + stars: | 2022-12-12 | by ( Marlene Lenthang | Marlene Lenthang Is A Breaking News Reporter For Nbc News Digital. | ) www.nbcnews.com time to read: +2 min

The 21-year-old victim had left his Airbnb to walk to a nearby grocery store on the night of the shooting, prosecutors said. When he crossed the street, he saw Waters exit a home and “quickly approach him while holding a black handgun,” the district attorney’s office said. Video footage of the shooting was also obtained from a nearby neighbor, prosecutors said. He was arrested and booked into Santa Clara County Jail and will be arraigned Monday in San Jose. NBC News has reached out to the San Jose Police Department and an attorney listed for Waters for comment.

The litigation from Clark is his latest maneuver to beat back ethics charges stemming from his efforts while at the Justice Department to overturn the results of the 2020 presidential election. Clark pressured Rosen and Donoghue to send Georgia a letter claiming falsely that the Justice Department had uncovered voting irregularities there. When they refused, he sought to get Trump to oust Rosen so he could be installed as Acting Attorney General. Both Rosen and Donoghue are expected to be called as witnesses at Clark's public disciplinary hearing in January. In a statement, one of Clark's attorneys said the ethics case against Clark represents a "flagrant misuse" of the disciplinary function and sets a "dangerous precedent."

Financial advisors say you don't need a lot of big wins along the way to build wealth over time. Colorado financial advisor Matthew Jackson of Solid Wealth Advisors says this is due to the fact that markets have a history of going nowhere but up over time. Orange County, California, financial advisor Christopher Struckhoff of Lionheart Capital Management says people in general are not great at timing the market because it ultimately involves predicting the future. AdvertisementTo win at market timing, you have to buy and sell your investments at the perfect moment. Not only that, but how much of your returns are you keeping after you pay taxes (assuming you're investing in a taxable brokerage account)?

Persons: —, Matthew Jackson, Black, Jackson, Christopher Clepp, Christopher Struckhoff, Struckhoff, Tony Liddle, Prosper, it's, Liddle, Loren Sherman, Jeff Rose, Anthony Montenegro Organizations: Studies, Service, Dow Jones, Solid Wealth Advisors, Strategic Financial Group, Inc, Fidelity Investments, Lionheart Capital Management, Prosper Wealth Management, Dow, Integrity Wealth Management, milli, American Enterprise Institute, AEI Locations: Colorado, Chicago, YOLO, Orange County , California, Montenegro

Între cei doi interveniseră tensiuni, după ce William Barr a spus că nu au fost dovezi că alegerile prezidențiale din 3 noiembrie au fost fraudate, teză susținută de președintele în exercițiu, care a fost înfrânt de democratul Joe Biden. Just had a very nice meeting with Attorney General Bill Barr at the White House. As per letter, Bill will be leaving just before Christmas to spend the holidays with his family... — Donald J. Trump (@realDonaldTrump) December 14, 2020Donald Trump a publicat pe Twitter scrisoarea de demisie a lui William Barr și a anunțat că adjunctul acestuia, Jeff Rosen, va fi procurorul general interimar al Statelor Unite începând din 23 decembrie, când demisia lui Barr devine efectivă. ...Deputy Attorney General Jeff Rosen, an outstanding person, will become Acting Attorney General. Highly respected Richard Donoghue will be taking over the duties of Deputy Attorney General.

Persons: William Barr, Joe Biden, Donald Trump, Hunter Biden, Bill Barr, ., Donald J . Trump, Jeff Rosen, Barr, Highly, Richard Donoghue Organizations: Colegiul Electoral, Albă Locations: Statelor Unite, locatar

☆ People get scared out of life insurance by being asked to take a medical exam, but I did it for my $1 million policy and it was no big deal
▼ + stars: | 2019-06-22 | by ( Eric Rosenberg | Freelance Writer | Read More | ) www.businessinsider.com time to read: +6 min

A life insurance medical exam can help the insurer eliminate risky conditions and act as proof of your good health. How life insurance medical exams workA life insurance medical exam is a lot like an annual physical you should be getting every year from your primary care doctor. Why life insurance medical exams save you moneyIf you don't get a medical exam, most insurance companies will assume the worst about your health. When it comes to life insurance, sooner is betterIf you've been putting off life insurance for any reason, there's an important fact to know about your rates. Once you get your policy with a term life insurance policy, the rate is fixed for the entire duration of the policy.

Eric Rosenberg signed up for a $1 million life insurance policy in his late 20s before starting a family. He chose term life insurance, which tends to be a better fit for most people since it gives you the most insurance coverage at the lowest possible cost. Before I had kids, I found myself a $1 million life insurance policy. First, I decided term life insurance was right for meWhen getting started, life insurance can be intimidating. In general, the best type of life insurance for most people is term life insurance.

☆ Gwyneth Paltrow's Goop must stop making bogus claims about its $66 'vaginal eggs' because of a legal settlement. Here's the real science.
▼ + stars: | 2018-09-05 | by ( Hilary Brueck | ) www.businessinsider.com time to read: +8 min

A "vaginal egg" will not balance your hormones, regulate your menstrual cycle, or help with bladder control. On Tuesday, Goop settled a lawsuit brought by the Santa Clara District Attorney’s office and others that alleged the company's claims about its "vaginal eggs" were hogwash. Candace Lowry/YoutubeThe statement added: "Goop provides a forum for practitioners to present their views and experiences with various products like the jade egg. I need to start my jade egg practice," she said with a laugh. Jen Gunter, a California-based obstetrician and gynecologist, wrote a widely cited blog post in 2017 about why Goop's vaginal jade eggs are a bad idea.

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