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10 Things to do in Springfield, MA: A Newcomer’s Guide

February 3, 2023 by Brett Tams

Are you looking for fun things to do in Springfield, MA? Well lucky for you, we’ve created a list of activities everyone should check out.
Posted in: Market News, Paying Off Debts Tagged: 2, 2023, All, Amenities, apartments, apartments for rent, Appreciate, Architecture, art, Basketball, Beauty, biking, Blog, casino, Children, city, city life, Collections, Connecticut, couple, design, dining, discover, education, Entertainment, environment, experience, farm, fast food, Financial Wize, FinancialWize, food, forest, fun, games, garden, great, guide, historical, history, home, homes, homes for sale, international, kids, Learn, Life, lighting, list, Live, Local, Luxury, Make, making, Massachusetts, miles, modern, museum, Music, natural, new, offer, offers, opportunity, Other, outdoor, outdoors, park, playground, programs, Redfin, Redfin.com, Rent, replica, restaurant, restaurants, rich, science, searching, shopping, Sports, Spring, story, Style, summer, traditional, unique, Video, walking, wander, wood

6 Fun Long Beach Facts: How Well Do You Know Your City?

February 3, 2023 by Brett Tams

Whether you’re a long-time resident, a recent transplant, or just a fan of trivia, here are 6 Long Beach facts you may not know.

The post 6 Fun Long Beach Facts: How Well Do You Know Your City? appeared first on Redfin | Real Estate Tips for Home Buying, Selling & More.

Posted in: Market News, Paying Off Debts Tagged: 2, 2023, Amenities, Architecture, art, beach, beach town, Beauty, Blend, Blog, Built, Buying, california, city, containers, country, design, employer, estate, Financial Wize, FinancialWize, fun, great, history, home, home buying, international, jobs, Life, list, Local, Local Insights, manufacturing, More, Move, museum, natural, offers, Popular, race, Real Estate, real estate tips, Redfin, Redfin.com, restaurants, retirement, rich, running, second, selling, southern california, space, Spring, states, time, tips, town, Transportation, unique, united, war, weather

Meet The Real Estate Tech Executive: Stephen Baker from Zego

February 3, 2023 by Brett Tams

This week, we interviewed Stephen Baker from Zego. Let’s get to it! Who are you and what do you do? My name is Stephen Baker and I’m the President and General Manager of Zego, a property technology company that helps operators modernize the resident experience…

The post Meet The Real Estate Tech Executive: Stephen Baker from Zego appeared first on GeekEstate Blog.

Posted in: Paying Off Debts Tagged: 2022, app, Blog, business, Children, company, covid, Demographics, engagement, Entrepreneurs, Entrepreneurs and Tech, environment, estate, experience, farm, Financial Wize, FinancialWize, future, General, great, guide, industry, interview, leadership, Live, Local, mobile, modern, More, new, opportunity, Other, payments, points, president, property, property management, Proptech, protect, Real Estate, real estate industry, Real Estate Tech, Residential, residential real estate, right, safety, shortages, smart, Stephen Baker, story, Technology, time, unique, utilities, working, zego

Are You a Risk Taker? Risk Tolerance and Finances

February 3, 2023 by Brett Tams

Today’s post is by my awesome staff writer Jordann. Enjoy! One of the best things about personal finance is that it’s so personal. Everyone has their own strategy, tailored to their own specific personality. I think this is why there can be so many personal finance blogs out there, yet somehow we all still manage […]

The post Are You a Risk Taker? Risk Tolerance and Finances appeared first on Making Sense Of Cents.

Posted in: Retirement, Starting A Family Tagged: All, author, Budget, Buy, Buying, Buying a house, car, car loan, Career, cents, Choices, commission, cost, data, Debt, disclosure, down payment, Emergency, Emergency Fund, Entrepreneurs, entry, expenses, Fall, Finance, finances, financial habits, Financial Wize, FinancialWize, formula, fund, Giving, Google, great, habits, house, How To, Income, Insurance, interest, interest rates, Investing, loan, Loans, low, Make, making, money, More, Mortgage, Mortgages, Opinion, Other, Personal, personal finance, plan, Purchase, rate, Rates, rental, retirement, retirement savings, return, returns, reward, risk, Saving, savings, search, space, Start Saving, stories, student, Student Loans, time, title, unique, will

How much does the stock market return?

February 3, 2023 by Brett Tams

One of the fundamental ideas I try to promote here at Get Rich Slowly is your savings ought to be invested for long-term growth. You ought to use the magic of compounding to create a wealth snowball.

Naturally, you want put your money into an investment that offers a reasonable return and acceptable risk. But which investment is best? I believe — as do most financial experts — that you’re most likely to achieve high returns by investing in the stock market.

But why do so many people favor the stock market? How much does the stock market actually return? Is it really better than investing in real estate? Or Bitcoin? Let’s take a look.

How Much Does the Stock Market Return?

In Stocks for the Long Run, Jeremy Siegel analyzed the historical performance of several types of investments. Siegel’s research showed that for the period between 1926 and 2006 (when he wrote the book):

  • Stocks produced an average real return of 6.8%. “Real return” means return after inflation. Before factoring inflation, stocks returned about 10% annually.
  • Long-term government bonds yielded an average real return of 2.4%. Before adjusting for inflation, they had a return of about 5%.
  • Gold had a real return of 1.2%. “In the long run, gold offers investors protection against inflation,” writes Siegel, “but little else.”

My own calculations — and those of Consumer Reports magazine — show that real estate does worse than gold over the long term. (I come up with a real return of just under one percent.) Yes, you can make money with real estate investing, but it’s far more complicated than just buying a home and expecting its value to soar. (It’s important to note that returns on real estate are a contentious subject. This recent academic paper analyzing the rate of return on “almost everything” found that housing actually outperforms the stock market by a slight margin.)

Siegel found that stocks have been returning a long-term average of about seven percent for 200 years. If
you’d purchased one dollar of stocks in 1802, it would have grown to more than $750,000 in 2006. If you’d instead put a dollar into bonds, you’d have just $1,083. And if you’d put that money in gold? Well, it’d be worth almost two bucks — after inflation.

Posted in: Investing, Taxes Tagged: 15-year, 2, 30-year, advice, All, asset allocation, assets, author, average, bear markets, before, big, bitcoin, bond, bonds, book, Books, build, Buy, Buying, Buying a Home, Capital Gains, Career, chance, chase, Compound, compounding, couple, crash, data, Dave Ramsey, Debt, dividends, earning, earnings, Economics, equity, estate, expense, experts, Finance, financial independence, Financial Wize, FinancialWize, front, fund, funds, future, Getting Out of Debt, gold, good, government, Grow, growth, guide, historical, history, hold, home, hot, Housing, ideas, impact, index, Inflation, interest, Invest, Investing, investing in the stock market, investment, investment returns, investments, investors, jump, Learn, Life, low, Make, Make Money, market, markets, mistake, money, More, Move, offer, offers, Original, Other, panic, past performance, patterns, percent, Personal, personal finance, pinterest, plan, poor, present, Prices, principal, probability, protection, rate, Real Estate, Real Estate Investing, Research, retirement, retirement funds, return, returns, rich, right, risk, safe, safety, Saving, savings, Savings Account, Savings Accounts, short-term investment, single, snowball, statistics, stock, stock market, stock market returns, stocks, The Stock Market, time, time horizon, title, under, unique, value, volatility, volume, wealth, will, youtube

6 Tips for Saving Money on Your VA Loan

February 3, 2023 by Brett Tams

Every home buyer wants to save money on their mortgage. With all the expenses associated with buying a home, removing just a few costs or fees can end up saving […]

The post Blog first appeared on MilitaryVALoan.com.

Posted in: Auto Insurance, Renting Tagged: 2, 2022, 2023, active, All, appliances, ask, author, before, Benefits, Blog, buyer, buyers, Buying, Buying a Home, chance, closing, closing costs, cost, data, Deductible, down payment, Downpayment, expenses, Fees, Finance, Financial Wize, FinancialWize, get started, goal, government, home, home buyer, home buyers, home buying, home buying process, home loan, home loans, home purchase, home value, Homeowner, homeowners, homeownership, house, HR, Insurance, interest, interest rate, interest rates, journey, Life, loan, loan approval, Loans, LOWER, Make, making, market, military, money, More, Mortgage, mortgage loan, mortgage payments, Mortgage Products, MORTGAGE RATE, Mortgage Rates, needs, new, new home, Other, payments, percent, Personal, PMI, points, principal, private mortgage insurance, products, Purchase, rate, Rates, Refinance, refinancing, save, Save Money, Saving, saving money, seller, sheets, tax, time, tips, unique, VA, VA loan, VA loans, va mortgage, VA Mortgages Explained, VA Refinance, VA Streamline Refinance, value, veterans, veterans affairs, wants, Ways to Save, will

How To Make A Budget (And Actually Stick To It Every Month)

February 3, 2023 by Brett Tams

For many people “budget” is a six-letter dirty word, but it doesn’t have to be. You may be aware that you need a budget to help you reach your long-term financial goals, but many people don’t know where to begin to create an effective budget. A budget is one of the most critical financial tools […]

The post How To Make A Budget (And Actually Stick To It Every Month) appeared first on Good Financial Cents®.

Posted in: Mortgage Tips Tagged: 2, 2021, AAMS, Accredited Asset Management Specialist, action, advice, advisor, affordable, aid, All, allowance, analysis, annuity, apartment, Appreciate, Apps, apr, ask, assets, at home, author, Auto, auto insurance, avalanche, average, Backyard, balance, balance transfer, balance transfer credit card, Balance Transfers, Bank, bank account, bank accounts, Banking, bankruptcy, bar, basic, basics, before, beneficiaries, beneficiary, Benefits, best credit cards, bills, black, Blog, blue, bond, bonds, book, borrowing, Budget, Budgeting, budgeting tips, budgeting tools, budgets, build, building, Built, business, business insurance, Buy, Buying, Capital Gains, capital gains tax, car, Car Insurance, cars, categories, CD, CD Laddering, cents, child care, Children, Choices, Clean, Clothing, coffee, color, commission, company, contingencies, cooking, cost, couple, court, create a budget, creating a budget, Credit, credit card, Credit Card Debt, credit cards, creditors, custom, data, Dave Ramsey, death, Debt, debt free, Debt Repayment, debt snowball, Debts, deck, Deductible, disclosure, discover, Discover it, discrimination, diversify, dividends, divorce, DIY, driving, earning, Earning Potential, earnings, Emergency, Emergency Fund, employer, Entertainment, entry, envelope system, estate, Estate plan, Estate Planning, executor, expense, expenses, experts, Extra Money, Fall, Family, Featured, Fees, filing taxes, Finance, finance software, finances, Financial Advisor, Financial Freedom, Financial Goals, Financial Wize, FinancialWize, food, foundation, free budgeting, freedom, front, front door, fun, fund, funds, future, gas, Get Out of Debt, get started, gift, gifts, Giving, goal, goals, good, Google, great, green, groceries, grocery, grocery bill, grocery list, growth, guardian, guide, habits, health, Health Insurance, healthy, healthy meals, helpful, high yield savings, high yield savings account, history, hold, hole, home, Homeowner, house, How To, how to make a budget, Illinois, impact, Income, income tax, inheritance, Insurance, insurance coverage, interest, interest rate, interest rates, interference, internet, Invest, Investing, investment, investment strategies, investments, IRA, items, jobs, kids, landlord, lawsuit, Lawsuits, lawyer, Learn, Legal, lessen, Life, life insurance, Lifestyle, list, Live, living will, Loans, low, low-income, LOWER, Main, Make, making, Manage Money, Managing Your Money, market, marriage, Medical, medical bills, medications, Mint, Miscellaneous, mistake, Mistakes, money, Money Management, monthly expenses, More, more money, Mortgage, Mortgage Rates, Move, movies, Moving, mutual funds, needs, new, News, organization, Other, party, Pay Off Debt, paycheck, payments, Personal, personal finance, Personal Loans, pets, plan, planner, Planning, podcast, policies, pool, poor, Popular, portfolio, pretty, private student loans, Professionals, property, protect, protection, Purchase, quality, questions, Quotes, rate, Rates, ready, Refinance, refinancing, Rent, rental, rental property, renter, renters, renting, repair, Research, retirement, retirement funds, Retirement Planning, retirement plans, return, Review, rewards, right, risk, roth, Roth IRA, safe, save, Save Money, Saving, saving money, savings, Savings Account, Savings Accounts, savings plan, School, science, SEC, securities, Sell, selling, shares, simple, simple IRA, snowball, sofi, Software, Spending, spending too much, spouse, stage, Start Saving, stock, stocks, Strategies, student, student debt, Student Loans, takeout, target, tax, tax deductible, tax time, taxable income, taxes, tenant, time, tips, tools, tracking, Transportation, Treasury, treasury bills, trend, trends, trust, tuition, tv, umbrella insurance, under, unique, update, vacation, waiver, wants, wealth, wealth management, Wedding, will, work, working, wrong, youtube

The Ultimate Guide to Investing in Yourself — And Roadblocks to Avoid

February 3, 2023 by Brett Tams

Every decision we make in life is an investment with a cost and a payoff. We can invest money externally in the stock market or real estate, but choosing to invest in yourself arguably carries the highest return on investment — especially when you’re young.  That’s because, for most of us, our largest single asset […]

The post The Ultimate Guide to Investing in Yourself — And Roadblocks to Avoid appeared first on Good Financial Cents®.

Posted in: Money Basics Tagged: 2, 2021, action, affordable, All, analysis, art, ask, author, average, Back To School, bad debt, balance, Bank, bank account, basic, beginner, betting, big, blue, book, Budget, buffett, build, building, Built, business, Buy, calm, Career, Career Change, cars, cents, CEO, Choices, clear, color, commission, company, Compound, Compound Interest, compounding, Convenience, cost, Crisis, cryptocurrencies, custom, Debt, decision, declutter, design, digital marketing, disclosure, discover, earnings, education, energy, entrepreneurship, entry, environment, estate, expense, experience, experts, Family, farm, Finance, financial crisis, Financial Wize, FinancialWize, freedom, freelance, future, go back to school, goal, goal setting, good, good debt, Google, graph, great, green, Grow, growth, guide, Happiness, health, Health Insurance, healthy, helpful, higher education, Hiring, How To, ideas, Insurance, interest, internet, Invest, Investing, investment, investments, iPhone, job, journey, kids, launch, Learn, learned, leverage, Life, life insurance, list, Live, luck, Main, Make, making, Marcus, market, Marketing, markets, math, MBA, men, Midwest, mindset, model, money, More, more money, Move, new, News, Operations, opportunity, organize, Other, party, plan, podcast, points, Purchase, quality, questions, Raise, Real Estate, Real Estate Investing, Recession, Research, resume, return, return on investment, Reverse, Reviews, right, risk, ROI, School, Sell, Side Hustle, simple, single, skill, sleep, Software, space, Spending, Starting Out, state farm, stock, stock market, stories, stress, student, student debt, The Stock Market, time, tracking, trading, Travel, trust, tuition, unique, upgrade, versus, Video, warren, wealth, will, work, work out, wrong, young, young people, youtube

Are Pokémon cards a good investment?

February 3, 2023 by Brett Tams

A Pikachu has sold for $5.275 million. Are any of your old Pokémon cards worth anything? Should you buy some cards today as an investment?A Pikachu has sold for $5.275 million. Are any of your old Pokémon cards worth anything? Should you buy some cards today as an investment?

The post Are Pokémon cards a good investment? appeared first on Money Under 30.

Posted in: Investing, Money Basics Tagged: 2, 2021, 2022, All, Amazon, Appreciate, asking price, assets, baseball, basic, bedroom, before, big, bond, brokers, Buy, buyers, Buying, car, cars, chance, Children, cleaning, collecting, Collections, company, cons, cost, covid, COVID-19, COVID-19 pandemic, cryptocurrencies, decades, deposit, East Coast, Economics, estate, expectations, expensive, Family, Fees, Financial Wize, FinancialWize, front, fun, fund, funds, future, GEM, good, great, growth, helpful, hold, home, hot, house, How To, index, index fund, index funds, Insurance, international, Invest, Investing, investment, investments, investors, japanese, Learn, list, Listings, Live, low, LOWER, Make, making, market, Marketing, memories, millennials, Mint, money, More, most popular, new, News, Original, Other, pandemic, party, paypal, pizza, plan, pokemon, pool, Popular, pretty, Prices, property, pros, Pros and Cons, Purchase, quality, Real Estate, resale, resale value, resume, returns, rich, right, risk, room, safety, sales, save, search, searching, second, Sell, seller, selling, Side Hustles, simple, single, Sites, Sports, storage, time, timing, title, trading, Transaction, under, unique, used car, value, will, wrong, young, youtube

14 Reasons to Not Listen to Suze Orman

February 3, 2023 by Brett Tams

Oh Suze…. You either love her, hate her or really hate her. In truth, a lot of her advice is really good stuff. But some of it is teetering on the edge, and some advice is just plain bad. Even though I questioned some of her advice I still respected what she’s been able to […]

The post 14 Reasons to Not Listen to Suze Orman appeared first on Good Financial Cents®.

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