ETF or Exchange-Traded Funds are a type of mutual funds that trade in stocks, securities and track various indexes. Exchange-traded funds often invest in a broad range of industry sectors and use various strategies to yield maximum returns. One of the biggest advantages of investing in high dividend ETFs is they have lesser fees than other indexed funds, thereby costing you less in taxes. Although ETFs help in diversifying your portfolio, it is important to choose the right funds that compliment your current investments. Here is how you can choose the right high dividend ETF funds. Consider tracking difference One of the factors that set high dividend ETF funds from other market investments is tracking differences; that is, the difference between ETF performance and index performance. The lower the tracking difference, the better the ETF fund. This ensures that the ETF fund is reasonably priced and trackable. Define your investment goals Identify your investment objectives to pick the best ETFs. Ask yourself if you want to invest in companies with specific characteristics, diversify your portfolio, or find a lower-cost alternative to mutual funds. Furthermore, consider how long you plan to invest. Financial experts suggest not investing if you will need the money within the next five years.

Running a small business during financially turbulent times can be extremely trying. But, monetary aid, specifically small business loans, can definitely make things easier for both the business and its employees. Funded and guaranteed by the federal government, 7(a) loan programs have been designed by keeping business-owners’ best interests in mind. Here are answers to some commonly asked questions regarding small business loans: What is an SBA loan? Loans by the Small Business Administration (SBA) are guaranteed business loans that are given to small businesses by participating lenders. Since these loans are guaranteed by the federal agency, they are much more manageable than those provided by private agencies. SBA loans also have the added advantage of lower interest rates. These loans are available in a broad range in order to suit specific business needs. You can get a loan that ranges anywhere from $500 to $5.5 million to fund your entrepreneurial adventure. Further, the loan can be accessed in the form of fixed assets or working funds. Types of SBA loans SBA loans are available in many types. Some of them include—SBA flagship loans, microloans, SBA disaster loans, and 504 loans, among others. Each of these loans comes with different funding criteria.

Long-term investments do not necessarily mean that your money becomes inflexible. Instead, you should invest in such a way that you can generate a steady income. To ensure this, you need to invest intelligently by aligning your portfolio to your investment goals. Furthermore, you need to ensure that your returns outweigh your risks. One of the surest ways to ensure this is by investing in NNN properties that are for sale. Continue reading to know more about NNN properties and benefits of buying them. What are triple net(NNN) properties? NNN properties are pieces of real estate that can be leased to commercial franchises or corporations. Here, the tenants undertake all operational and management responsibilities of the property apart from paying rent to the owner. No investment is risk-free; however, investing in NNN properties has proven to be a highly profitable venture for investors. To invest in NNN properties, you must have an accredited net worth of at least $1 million. This value is excluding the value of their residential real estate or $200,000 in income. Other investors who have lower net worths can invest in NNN properties for sale by investing in REITs or Real Estate Investment Trusts. Benefits of buying NNN properties for sale:

A reverse mortgage is a loan taken against the value of the home (equity) to meet certain expenses, debt obligations, and even supplement income during a financial crisis. It allows homeowners to convert a part of their home value into cash for expenses and retain the ownership of the property simultaneously. However, reverse mortgage eligibility and feasibility are quite complicated and there are times when it is not a good option, especially for seniors (common applicants for a reverse mortgage) above the age of 60. Here are a few reasons why. Home eligible for inheritance Senior homeowners can benefit from reverse mortgage eligibility only if they can take a loan against their home and repay the same in a timely manner. However, in case the homeowner passes away and the property is inherited by their children, who might not be in a financially sound position to repay the impending mortgage. The inability to do so can result in selling the property to repay the outstanding debt and in the process lose complete ownership. So before taking a reverse mortgage, homeowners must account for the financial status of the people who will inherit the home in the future. Sharing owned property People living on the property are forced to vacate it in case the owner is unable to repay the reverse mortgage.

Though debt such as student loans, car loans, and mortgage on the house is part of life, it does become a hindrance that affects your savings and future financial goals. As per the Federal Reserve, Americans owe more than $4 trillion in consumer debt, and this number does not account for mortgages. So, if you’re facing crushing debt and want to avoid bankruptcy, you can always engage the help of debt settlement companies. Here is a list of top 10 debt settlement companies that can help you in a financial crisis. National Debt Relief The National Debt relief offers a debt settlement service that lasts for around two to four years and charges a 15% fee. They cover all kinds of debts, including unsecured debts. Freedom Debt Relief With average fees and AFCC accreditation, Freedom Debt Relief is one of the oldest debt settlement companies in the country. They are present in 37 states and have been in operation for over 17 years. Guardian Debt Relief Guardian Debt Relief specializes in working with customers who have a debt of more than $10,000. They usually charge a 20% fee and a monetary fee of $200, which goes into the settlement account.

Addiction is a compulsive activity of abuse that induces temporary pleasure. These substances can be anything from alcohol, medications, and other stimulants. The overuse of such substances has a detrimental effect on the body and mind. Therefore, even after successful treatment, the road to complete recovery is challenging. To avoid relapse, here are simple ways one can try to cope with withdrawal symptoms and fight temptations. Support system The simplest way to cope with addiction is to build a support system of trustworthy friends. One must remember that recovery is a long process and your friends and family can help you overcome temptations and fight withdrawal symptoms. Note that while treatment conditions the body to be independent of the substance, support and therapy conditions the mind to avoid chances of a relapse. Seek sponsors or former addicts who are now sober and can advise you based on their experience. Learning from their experience will certainly instill confidence in your ability to not relapse. Attend group sessions Group therapy sessions provide recovering addicts with a platform to share their positive efforts towards recovery. Here, recovering addicts gather to openly discuss their addictions in a positive light and share their experiences on how they managed to overcome temptations and avoid relapse.

Living with Attention Deficit Hyperactivity Disorder (ADHD) as an adult is challenging. ADHD can impact almost every aspect of an individual’s life, including personal and professional relationships. Further, it can also take a toll on one’s health. Even trivial day-to-day activities such as paying bills on time, managing work, and keeping up with the demands of family and friends can be overwhelming. Some common adult ADHD symptoms include disorganization, having a hard time meeting deadlines, and impulsive behavior. But the good news is that one can learn and practice certain skills that can help them manage the symptoms of ADHD. One can start by improving their daily habits, and slowly develop skills that can help them remain organized, improve interaction with friends and colleagues, and become efficient. Remember that these self-help tips for managing ADHD require patience, practice, and a positive attitude. That said, here are effective tips that one can employ to deal with ADHD. Organize every detail Lack of focus is one of the major symptoms of ADHD, which makes organizing anything one of the biggest challenges. However, one can learn to organize things in a better way by breaking down tasks into smaller steps and taking a systematic approach.

Aging is a part of life; there is nothing to worry about if you know what to expect and how to prepare for it in advance. Indeed, you may not be as strong and suffer from aches and pains more often. However, by ensuring that you take care of your health now, you can slow down your body’s aging process. Read on to know more about aging, its signs, and how to take care of yourself. What are the signs of aging? Aging is a subjective process and can not be generally categorized. Aging is associated with psychological, biological, and physiological changes. The most easily noticeable and early signs of aging are graying of hair followed by drastic changes that affect the working and functioning of a person. However, with timely medical check-ups, proper diet, and exercise you can ensure that you are healthy and prepared for anything that aging throws at you. What happens when you age? As mentioned above the human body goes through a multitude of changes. The heart, bones and joints, muscles, brain, digestive and urinary tracts, and senses weaken with age and do not perform optimally. The heart is especially affected by age as its muscles begin to stiffen leading to heart problems and high blood pressure.

Allergies are a common problem, and there is nothing that can be done to avoid them. However, there are treatments and medications available that help manage the symptoms caused due to an allergic reaction. It is necessary to be aware of the course of action in case you or someone around you is suddenly experiencing an allergic reaction. Continue reading to learn more about allergies, how to detect them, and its treatment options. What are allergies and how to detect them? An allergy is the reaction produced by the immune system when it is trying to fight a foreign substance it believes to be harmful. This foreign substance does not have to be bacteria or viruses. Sometimes, your immune system fights virtually non-harmful substances such as grass, dust mites, dander, and food, assuming them as harmful. This reaction against non-harmful substances or “allergens” is known as an allergic reaction. The body reacts to different things on a different scale. That means the type, the severity, and the signs of an allergic reaction can differ from person to person. While our genetics do play a role in their manifestation, it does not necessarily mean we exhibit the same allergies as our parents.

Alzheimer’s disease, a neurological condition, causes brain cells to die. It is a debilitating illness that starts with memory loss and cognitive decline caused by brain cell damage. It is one of the most common forms of dementia with nearly 80 percent of dementia cases starting with Alzheimer’s disease. More than 5 million people are diagnosed with Alzheimer’s disease annually. The disease progresses in stages and symptoms become severe over time. Here are a few important things to know about Alzheimer’s disease. Various stages As mentioned above, Alzheimer’s disease is a neurodegenerative disorder. According to the Alzheimer’s Association, there are seven stages based on the severity of the symptoms. The disease begins with no impairment, progresses to mild and moderate decline, and finally, a state of severe decline. The diagnosis is usually done in the fourth stage of Alzheimer’s, known as “early-stage or mild Alzheimer’s.” Therefore, the disease can be said to have three main stages. The first one is preclinical, the stage before any of the symptoms appear. Mild cognitive impairment is the second stage, where symptoms begin to appear; however, they are quite mild. Dementia is the last and final stage of Alzheimer’s disease. Common symptoms One of the earliest symptoms of Alzheimer’s disease is cognitive loss, which causes memory loss.