Stocks What They Are, How They Work, And Why They Matter

If you’re anything like the people under 30 that we spoke to, a secret part of you wonders why we can’t just do away with grown-up things like banks and retirement funds and store all of our extra cash in a pillow case. This isn’t because you’re stupid. You just haven’t been empowered with the knowledge of how to make your money grow. We took social studies and math in high school, not “shareholder services” and “financial public relations.” Despite this education gap, it’s important that you grasp the principles of personal finance. The good news is, you don’t necessarily need to hire an investor relations firm to understand the basics. The main basic feature of higher finance we’ll be discussing below is that of the “stock.” 1. “What is a stock?” A stock is the word w

Looking For Commercial Real Estate Loans?

Are you an entrepreneur or business owner who is in need of commercial real estate loans? Now is as good a time as any to consider it especially since current interest rates can be as low as 3.50% for five-year terms and 4.50% for 20-year fixed! Whether you are looking for a commercial office space to open the business of your dreams or just a new location for your existing business you should be aware of a few things about commercial real estate lending. 1. Know The Market – Did you know that the rates of office vacancy are estimated to slightly decline from 15.7% to 15.6% through the fourth quarter of 2015? This information is great to know

Why Small Businesses Aren’t that Small After All

It’s no secret that the small things in life can still make a big difference. After all, that’s why people are always told not to sweat the “small” stuff, right? Right. It’s always the small stuff that causes the biggest problems or leads to the biggest — and best — solutions, and good things almost always come in small packages. So at the end of the day, small isn’t really so bad after all. As such, it should come as no surprise that small businesses are making a big and noticeable impact on the economy in the United States. In fact, a whopping 28 million small businesses in the United States make up for an impressive 54% of all sales. Furthermore, small businesses provide more than half — 55% — of all U.S. jobs. Talk about a win-win-win situation. However, despite being small, these bu

Can You Sell Your Annuity Payments?

I once had a friend that would check his mailbox every day hoping for a chance to win a million dollars. The problem is, he never played the lottery or won a court case. Those who have actually won an annuity or structured settlement on the other hand might be a bit disappointed to find that only a fraction of that money will ever end up in there wallet. Here is everything you need to know about annuity payments. Lotto Winnings The Mega Millions pays out in 30 payments that incrementally increases by about 5% each payment. A typical $50 million dollar Mega Millions jackpot would have an initial payment of over $750,000 with future annual payments growing to nearly $3.1 million dollars. That money would pay out over the course of 30 years, although many have the option of a lifeti

3 Things You can Pay Off by Selling Lottery Payments

Selling lottery payments might sound like an oxymoron, but it can really be an effective, efficient, and immediate way to pay off debt you may have accumulated throughout your life. At the time you won the annual income may have been a safer and more consistent choice, but now you could stand to benefit from the more lottery lump sum payout option. Here are three things you could do with cash for lottery winnings today. 1.) Student Loans: More and more people are going to college in our society than ever before. This is evidenced by the massive amount of student loan debt in the United States. In 2015 that total stand at approximately $1.3 trillion. The ave

Securing Your Retirement With Strategic Commercial Investments

As of last year, the value of commercial and residential real estate was up to over $750 billion. Smart investors see commercial real estate for sale and realize that owning a business, school, hospital, hotel, or other commercial real estate could be an investment that can weather anything the market has to throw at them. When potential buyers start crunching numbers and realize that the average ROI (return on investment) for commercial real estate listings is at least 8%, they get more interested. Property lenders are looking for owners who have a vision for the property, either to maintain the existing business or to put considerable t