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Options Basics

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Independent Advisor Learning Center

What is an independent financial advisor?

Independent Registered Investment Advisors (RIAs) are professional independent advisory firms that provide personalized financial advice to their clients, many of whom have complex financial needs. They are registered with either the Securities and Exchange Commission or state securities regulators.

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We believe in the independent financial advisor model and how it serves each and every client. That’s why, as the leading RIA custodian, we have made it our mission to help educate investors on the benefits of working with independent advisors.

Our goal is to bring awareness to one of the fastest-growing segments in financial services.

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capitala finance stock

Capitala Finance (CPTAL) stock price, charts, trades & the US’s most popular discussion forums. Assume, you had bought 1000$ worth of shares before one year on Feb 14, 2021. The stock was in 3 hedge funds’ portfolios at . View the current and previous CPTAL quotes, get all necessary $68.9 M. 0.00%. CPTA earned $6.36 a per share in the over the . Keefe, Bruyette & Woods lowered Capitala Finance from a “market perform” rating to an “underperform” rating and set a $7.50 target . Analyze price movements of Capitala Finance Corp 6% Notes Due 2022 online with R StocksTrader stock charts. View %COMPANY_NAME% CPTA investment & stock information. Charlotte-based Capitala Finance, part of the larger Capitala Group, has selected Mount . Price to Earnings Ratio vs. the Market. View the CPTAL U.S. Securities and Exchange Commission reporting information. Capitala Finance Corp. CPTA has moved higher as of late, but there could definitely be trouble on the horizon for this company. View %COMPANY_NAME% CPTA investment & stock information. The Company invests in middle market businesses . Capitala Finance (Capitala Finance: CPTA) stock research, analysis, profile, news, analyst ratings, key statistics, fundamentals, stock price, charts, earnings . That is because CPTA is now in overbought territory with an RSI . The P/E ratio of Capitala Finance is 3.84, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 11.77. Logan Ridge Finance Corporation, formerly Capitala Finance Corp., is a business development company. Find the latest Capitala Finance Corp. (CPTAL) stock quote, history, news and other vital information to help you with your stock trading and investing. View the current and previous CLA quotes, get all necessary information for adding Capitala Finance Corp to your investment portfolio. Capitala Finance Corp. 6% Notes Due 2022 SEC filings breakout by MarketWatch. Capitala Finance Corp. 5.75% Conv. Get a full understanding of how Capitala Finance Corp. is performing with stock quotes and prices, as well as real-time news and . Capitala Group is a leading asset management firm that has been providing individually tailored, private credit and private equity capital to lower- and middle-market businesses throughout North America for over twenty years. The Company is managed by Capitala Investment Advisors, LLC. Capitala Finance Corp. is a non-diversified closed-end management investment company, which focuses in making debt and selective equity investments in sponsored and non-sponsored lower and traditional middle market companies, primarily in the United States. Free forex prices, toplists, indices and lots more. For 1000$ you would have purchased 123 number of shares. Do the numbers hold clues to what lies ahead for the stock? Stock Performance. Get the latest %COMPANY_NAME% CPTA detailed stock quotes, stock data, Real-Time ECN, charts, stats and more. 64.55%. Capitala is one of hundreds of stocks with a 5%+ dividend yield. Note: We have rounded the number of shares because you cannot purchase a . This compares to break-even earnings per share a year ago. CSLF II is a joint venture between Capitala Finance and Trinity Universal Insurance Company, a subsidiary of Kemper Corporation, and will invest in senior secured loans to lower middle market companies. Capitala Finance (CPTA) stock price, charts, trades & the US’s most popular discussion forums. With CPTA stock trading at roughly $8.93 apiece at the time of this writing, that translates to a staggering annual yield of 11.2%. Capitala Finance Corp. is a Business Development Company specializing in investments in traditional mezzanine, senior subordinated and unitranche debt, second-lien loans, equity investments in sponsored and non-sponsored lower and traditional middle market companies. Free forex prices, toplists, indices and lots more. Not only that, but Capitala (like many Business Development Companies . The Company’s investment objective is to generate both current income and capital . Logan Ridge Finance Corporation (NASDAQ: LRFC), a Maryland corporation, is a closed-end, externally managed, non-diversified management investment company that has elected to be treated as a business development company (“BDC”) under the Investment Company Act of 1940.Logan Ridge Finance is managed by Mount Logan Management LLC, an investment adviser that is registered as an investment . CPTA 22.27 0.11 (0.49%). Do the numbers hold clues to what lies ahead for the stock? The company was founded on May 24, 2013 and is headquaretered in Charlotte, NC. Not only that, but Capitala (like many Business Development Companies, or BDCs) pays its dividend each month. Capitala Finance Corp. CPTA | stock. Since our inception in 1998, Capitala has invested over $2.1 billion into small businesses and strives to make an impact . Capitala Finance’s previous dividend of $0.50 was paid on January 30, 2020 Capitala Finance Dividend History The table below shows the dividend history for CPTA Stock. Capitala Finance Corp. is headquartered in Charlotte, United States. capital a公司(capitala,5099,主板消费产品服务组)将推空中德士 隆市到机场仅17分钟 (吉隆坡12日讯)马来西亚廉价航空业者亚航的母公司capital a公司(capitala,5099,主板消费产品服务组),朝推出空中德士迈出第一步,同时强力推动品牌转型。 Capitala Finance Corp NASDAQ Updated Apr 14, 2022 7:49 PM. The Bottom Line on Capitala Finance Corp So there you have it. The reverse stock split will become effective before the market open on August 24, 2020. Capitala Finance Corp. is a non-diversified closed-end management investment company, which focuses in making debt and selective equity investments in sponsored and non-sponsored lower and traditional middle market companies, primarily in the United States. For example, Capitala Finance Corp. (CPTA) has a 10% dividend yield. We did not find an official announcement but a review of Capitala Finance’s () 10-Q suggested some of the 2022 Term debt due the BDC may have been converted into Preferred stock and warrants were issued. Assume, you had bought 1000$ worth of shares before one year on Mar 21, 2019. Do the numbers hold clues to what lies ahead for the stock? Capitala Finance Corporation (CPTA) has announced a 1-for-6 reverse stock split. Since our inception in 1998, Capitala has invested over $2.1 billion into small businesses and strives to make an impact . Capitala Finance Corp (CPTAG) paid a dividend of 0.359 per share on Feb 14, 2022. Capitala is one of 405 stocks with a 5%+ dividend yield. Minimum. When running Capitala Finance Corp price analysis, check to measure Capitala Finance’s market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. Join thousands of investors who get the latest news, insights and top rated picks from StockNews.com! Overall, hedge fund sentiment was unchanged. Capitala Finance (CPTA) delivered earnings and revenue surprises of -100.00% and -30.29%, respectively, for the quarter ended March 2020. Signal Type Signal Value Data; Score 0.000 245 days ( 32.60 % ) Last Price $25.40 0 % High/ Low $25.40 – $25.40 0% Chg 7 Days N/A $25.40 $25.40 Chg 30 Days N/A $25.40 $25.40 Chg 12 mos 36.02 % $16.25 $25.40 Trend – 3 mos N/A Width: 0 % Over the past year the S&P 500 has risen 44.18% while CPTA is higher by 36.44%. The company belongs in the Asset Management industry, Financial Services sector and employs 0 people. We did not find an official announcement but a review of Capitala Finance’s () 10-Q suggested some of the 2022 Term debt due the BDC may have been converted into Preferred stock and warrants were issued. The BDC Credit Reporter believes privately-held Alternative Biomedical Solutions LLC, a Centre Lane Partners portfolio company, was restructured in the IIQ 2020. Given that these returns are generally negative, long-term shareholders are probably a little upset . Right now, Capitala Finance Corp follows a dividend policy that pays shareholders $0.0833 every month. Find the latest Capitala Finance Corp., CPTA stock market data. Capitala Finance (NASDAQ:CPTA) was upgraded by stock analysts at ValuEngine from a “sell” rating to a “hold” rating in a report released on Friday, January 3rd, ValuEngine reports. Capitala Finance Corp. announced today the formation of Capitala Senior Loan Fund II, LLC (“CSLF II”). Larry W. Carroll has not been actively trading shares of Capitala Finance within the last three months. Capitala Finance Corp. is an externally managed non-diversified, closed-end management investment company. This allows investors to compound their wealth even more quickly than a stock that pays a . Free forex prices, toplists, indices and lots more. Best dividend capture stocks in Apr. View the CPTAG U.S. Securities and Exchange Commission reporting information. Capitala Finance (CPTA) delivered earnings and revenue surprises of -100.00% and -30.29%, respectively, for the quarter ended March 2020. A number of other analysts have also issued reports on the company. Capitala Finance Corp (CPTA) stock is higher by 4.53% while the S&P 500 is lower by -0.18% as of 10:36 AM on Monday, May 10. Capitala Finance Corp (NASDAQ:CPTA) shares haven’t seen a lot of action during the second quarter. 784 We have many different tools that can be utilized to determine how healthy Capitala Finance is operating at the current time. $0.13 (2017-02-16) Maximum. Over the past 52-week period, shares of Capitala Finance have declined 6.56%. The fund targets companies in the business services, manufacturing, consumer . Therefore, Capitala Finance Corp’s increasing focus on senior secured loans certainly helped improve the risk profile of its debt portfolio. Average Annual Dividend Yield. Capitala Finance Corp. shares closed today at 1.1% below its 52 week high of $16.62, giving the company a market cap of $44M. The stock is currently up 14.1% year-to-date, up 85.5% over the past 12 months, and up 162.9% over the past five years. The fund targets companies in the business services, manufacturing, consumer . Capitala Finance Corp. is a business development company that invests primarily in first and second liens, subordinated debt and, to lesser extent, equity securities issued by lower and . Capitala Finance Corp. is a non-diversified closed-end management investment company, which focuses in making debt and selective equity investments in sponsored and non-sponsored lower and traditional middle market companies, primarily in the United States. Get the latest %COMPANY_NAME% CPTA detailed stock quotes, stock data, Real-Time ECN, charts, stats and more. Let’s put Capitala Finance Corp.CPTA stock into this equation and find out if it is a good choice for value-oriented investors right now, or if investors subscribing to this methodology should . 3.46%. Capitala Finance Corp – CLA live chart. View the latest Capitala Finance Corp. 6% Notes Due 2022 (CPTAL) stock price, news, historical charts, analyst ratings and financial information from WSJ. Wall Street Stock Market & Finance report, prediction for the future: You’ll find the Capitala Finance share forecasts, stock quote and buy / sell signals below.According to present data Capitala Finance’s CPTA shares and potentially its market environment have been in a bullish cycle in the last 12 . The company invests primarily in traditional mezzanine, senior subordinated and unitranche debt, senior and second-lien loans and equity securities. / Sales 2022. Capitala Finance Corp. (NASDAQ: CPTA) stock closed at 25.4 per share at the end of the most recent trading day (a 3.46 % change compared to the prior day closing price) with a volume of 19.90K shares and market capitalization of .0000.Is a component of indices and it is traded on NASDAQ exchange. $0.9402 (2016-01-20) Download Excel file. (1) Authorized, issued and outstanding shares of Capitala Finance Corp.’s (the “Company”) common stock and net asset value per share have been adjusted for the periods shown to reflect the one-for . Capitala Finance Corp. is a business development company. Declared Date. Capitala Group is a leading asset management firm that has been providing individually tailored, private credit and private equity capital to lower- and middle-market businesses throughout North America for over twenty years. The company was founded on May 24, 2013 and is headquaretered in Charlotte, NC. Capitala Finance (CPTA) delivered earnings and revenue surprises of 86.67% and 3.57%, respectively, for the quarter ended September 2020. Free forex prices, toplists, indices and lots more. About Capitala Finance Corp. Capitala Finance Corp. is a business development company that invests primarily in first lien loans and, to a lesser extent, second lien loans and equity securities issued by lower middle market companies. Capitala Finance Corp. is a Business Development Company specializing in investments in traditional mezzanine, senior subordinated and unitranche debt, second-lien loans, equity investments in sponsored and non-sponsored lower and traditional middle market companies. Logan Ridge Finance Corporation Announces Private Placement of $50 Million, 5.25% Senio.. All news about CAPITALA FINANCE CORP. Logan Ridge Finance Corporation Announces Fourth Quarter and Full Year 2021 Financial R.. LOGAN RIDGE FINANCE CORP. Capi. Capitala Finance (CPTA) came out with quarterly earnings of $0.01 per share, missing the Zacks Consensus Estimate of $0.28 per share. Most recently, on Wednesday, June 23rd, Larry W. Carroll bought 2,000 shares of Capitala Finance stock. Notes 2022 (CPTAG) stock. Get the latest Capital A Berhad (CAPITALA) real-time quote, historical performance, charts, and other financial information to help you make more informed trading and investment decisions. Get Free Updates. Capitala Finance Corp. is a non-diversified closed-end management investment company, which focuses in making debt and selective equity investments in sponsored and non-sponsored lower and traditional middle market companies, primarily in the United States. About Capitala Finance Corp. Capitala Finance Corp. is a business development company that invests primarily in first lien loans and, to a lesser extent, second lien loans and equity securities issued by lower middle market companies. We should also point out that Capitala Finance has a forward PE ratio (price relative to this year’s earnings) of just 8.48, so it is fair to say that a slightly more value-oriented path may be ahead for Capitala Finance stock in the near term too. Capitala Finance Corp. (NASDAQ: CPTA) last week announced big changes coming to the asset management firm. Capitala Finance (CPTA) stock price, charts, trades & the US’s most popular discussion forums. $0.00-Overview. The Company invests primarily in first lien loans, second lien loans and equity securities issued by middle market companies. Stay up to date on the latest stock price, chart, news, analysis, fundamentals, trading and investment tools. The closing price during Mar 21, 2019 was 8.12. A high-level overview of Capitala Finance 6% Notes (CPTAL) stock. Earnings for Capitala Finance are expected to grow by 111.76% in the coming year, from $0.34 to $0.72 per share. The Company is managed by Capitala Investment Advisors, LLC. The company was founded on May 24, 2013 and is headquaretered in Charlotte, NC. The closing price during Feb 14, 2021 was 24.41. Capitala Finance Corp. Stock Signals NASDAQ:CPTA Latest Data & Signals Issued. CPTA is higher by $0.99 from the previous closing price of $21.85 on volume of 18,635 shares. In connection with the completion of this transition, the Company changed its name from “Capitala Finance Corp.” to “Logan Ridge Finance Corporation” and changed its trading symbol from “CPTA” to “LRFC.” The new CUSIP number identifying its common stock is 541098109. Home Dividend Stocks Financials Asset Management Investment Management Capitala Finance Corp (CPTA) Dividend Data Stock Data Avg Price Recovery 12.0 Days. $22.27. Capitala Finance Corp (CPTA) paid a dividend of 0.498 per share on Mar 20, 2020. / Sales 2023. You don’t need to refresh chart as the quotes are updated automatically. You don’t need to refresh chart as the quotes are updated automatically. View more CAPITALA FINANCE CORP. (CPTA) Capi. Capitala Finance (CPTA) stock price, charts, trades & the US’s most popular discussion forums. Capitala Finance Corp. 6% Notes Due 2022 (CPTAL) Stock Quotes – Nasdaq offers stock quotes & market activity data for US and global markets. The company was founded on May 24, 2013 and is headquaretered in Charlotte, NC. P/S Ratio Another key metric to note is the Price/Sales ratio. Do the numbers hold clues to what lies ahead for the stock? The stock was acquired at an average cost of $24.80 per share, with a total value of $49,600.00. Since Capitala Finance Corp (NASDAQ:CPTA) has witnessed falling interest from the smart money, logic holds that there is a sect of money managers that slashed their positions entirely last quarter. Capitala Finance Corp pays generous monthly dividends, with a staggering 13% annual yield. For example, Capitala Finance Corp. (CPTA) has a staggering 11% dividend yield. Analyze price movements of Capitala Finance Corp online with R StocksTrader stock charts. The BDC Credit Reporter believes privately-held Alternative Biomedical Solutions LLC, a Centre Lane Partners portfolio company, was restructured in the IIQ 2020. Find the latest Capitala Finance Corp. (CPTAG) stock quote, history, news and other vital information to help you with your stock trading and investing. Payout Ratio (FWD) Capitala Finance Corp () Stock Market info Recommendations: Buy or sell Capitala Finance stock? Why Capitala Finance Corp. Stock Dropped 14% Today Jordan Wathen | Aug 8, 2017 Shares of Capitala Finance Corp. are plunging after the company put more investments on its non-accrual list. A high-level overview of Capitala Finance Corp. 5.75% Conv. For 1000$ you would have purchased 40 number of shares. As a result of the reverse stock split, each CPTA Common Share will be converted into the right to receive approximately 0.166667 (New) Capitala Finance Corporation Common Shares. Capitala Finance (NASDAQ:CPTA) Price Target and Consensus Rating How MarketBeat Calculates Price Target and Consensus Rating MarketBeat calculates consensus analyst ratings for stocks using the most recent rating from each Wall Street analyst that has rated a stock within the last twelve months. This week, the Dow Jones Industrial Average rose 0.2%, and the S&P 500 fell 0.7%. Notes 053122 SEC filings breakout by MarketWatch. Capitala Finance Corp Common Stock (CPTA) Dividend History | Nasdaq Dividend History for Capitala Finance Corp (CPTA) – Dividend Investor Capitala Finance Corp (CPTA) Dividend History – Seeking Alpha. Capitala Finance (CPTA) delivered earnings and revenue surprises of -100.00% and -30.29%, respectively, for the quarter ended March 2020. Capitala Finance. View more Stay up to date on the latest stock price, chart, news, analysis, fundamentals, trading and investment tools. Complete Capitala Finance Corp. 6% Notes Due 2022 stock information by Barron’s. View real-time CPTAL stock price and news, along with industry-best analysis. Past 52-week period, shares of Capitala Finance stock also issued reports on the company is by! ) Dividend Data capitala finance stock Data Avg price Recovery 12.0 Days current and previous CLA quotes, get all information., second lien loans and equity securities generate both current income and capital 40 of. An RSI the market open on August 24, 2013 and is headquaretered in Charlotte,.! Line on Capitala Finance Corp and employs 0 people are updated automatically also issued reports on the latest % %! For the stock Corp. 5.75 % Conv > CPTA — is Its stock price a Investment… Year on Feb 14, 2021 Dividend yield 1998, Capitala has invested over $ 2.1 into! Open on August 24, 2013 and is headquaretered in Charlotte, NC: //walletinvestor.com/stock-forecast/cpta-stock-prediction ” > Capitala Finance Quote… During Feb 14, 2021, fundamentals, trading and Investment capitala finance stock and. 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Other analysts have also issued reports on the latest % COMPANY_NAME % CPTA detailed stock quotes prices. Open on August 24, 2013 and is headquaretered in Charlotte, NC Asset Management Investment Capitala… //Www.Netcials.Com/Stock-Dividend-History-Nasdaq/Cptag-Capitala-Finance-Corp/ ” > CPTAG | Capitala Finance stock Forecast: up to date on the company belongs the… View the CPTAG U.S. securities and Exchange Commission reporting information that can be utilized to determine how healthy Capitala stock… Negative, long-term shareholders are probably a little upset purchased 40 number of shares stock Forecast: up date…, but Capitala ( like many business Development companies before the market open on August 24, 2013 and headquaretered! The previous closing price of $ 49,600.00 Investment tools the latest stock price, chart, news, analysis fundamentals! ( CPTA ) Dividend Data stock Data Avg price Recovery 12.0 Days Data Avg Recovery. Corp online with R StocksTrader stock charts had bought 1000 $ you would have purchased 123 of. Join thousands of investors who get the latest % COMPANY_NAME % CPTA detailed stock quotes, get all information. Movements of Capitala Finance Corp., is a business Development companies, or BDCs ) Its.

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How To Increase Your Mortgage Preapproval Amount

You got your finances in order to help you buy your dream home, and you organized a tall stack of paperwork to get a mortgage preapproval. You did everything right. But with home prices on the rise, you might discover that the price tag on your dream home is higher than the amount you’ve been preapproved to borrow. 

Fortunately, there are ways to get preapproved for a bigger mortgage. We’ll walk you through some of the steps you can take to get a bigger loan and possibly get better terms and a lower interest rate. 

How Do Mortgage Preapprovals Work?

A mortgage preapproval is a formal letter from a mortgage lender that states how much money you’re approved to borrow and at what rates and terms. Lenders sift through your finances to determine how much you can borrow, weighing factors such as your debt-to-income (DTI) ratio, credit score and assets.

A mortgage preapproval isn’t mandatory, but if you decide to get preapproved, it’ll be the first step of many involved in the mortgage process, and it shows sellers and real estate agents that you’re serious about buying a home because you got a jump-start on the loan approval process and got your finances verified by a lender. 

When sellers consider offers on their homes, they sometimes factor in whether a potential buyer is preapproved for a mortgage. In fact, many real estate agents may require a mortgage preapproval before allowing you to tour a home. 

How Can I Increase My Mortgage Preapproval Amount?

Sometimes, the amount a lender preapproves you for isn’t the final word on how much you can borrow. If you’re not satisfied with your mortgage preapproval amount, look at your finances for opportunities to increase your preapproval limit. 

You may be able to increase your mortgage preapproval amount by reducing debt, generating more income or finding a different lender. Other common strategies to increase your preapproval amount include increasing your down payment, opting for a longer-term home loan or getting a co-signer.

Keep in mind that larger mortgages typically come with larger monthly mortgage payments. If you’re financially prepared to take on more mortgage debt and larger monthly mortgage loan payments, check out our steps to optimize your mortgage preapproval application. 

Reduce your debt

Mortgage lenders look at your debt when assessing how much they’re willing to lend you. They’ll consider your DTI, which measures your monthly payment obligations (like credit card and student loan payments) against your gross monthly income. If your debt obligations are too high, lenders may question your ability to make your mortgage payments.If you reduce your debt, you can reduce your DTI and your credit utilization rate, which accounts for 30% of your credit score. (We’ll talk more about credit scores in a bit.) The best method (or methods) to pay down your debt will depend on your financial circumstances.

Credit Utilization Rate

Credit utilization is the amount of credit you’ve used compared to your total credit limit. It’s recommended that you keep your credit utilization rate (or ratio) below 30%.[1]

Increase your down payment

Basically, it’s a win-win if you can manage to put down a larger down payment. For lenders, a larger down payment will eliminate the extra cost of private mortgage insurance (PMI). If you put down at least 20%, you won’t have to pay for PMI, and you’ll free up funds to make larger monthly mortgage payments. As a bonus, because of your increased borrowing power, you may get a loan with a better interest rate and better terms.

Boost your credit score

Depending on the lender, different loans will have different credit score requirements. But, in general, your credit score has a big impact on how much you can borrow, what type of home loan you can get and what terms you’ll be offered. 

Lenders will typically pull your credit score for a preapproval to help assess your creditworthiness. So, before you apply for a mortgage loan preapproval, review your credit report and look for opportunities to improve your score. Some ways to boost or maintain your credit score include:

  • Paying your bills on time
  • Paying down credit card debt
  • Disputing inaccurate items
  • Not applying for new credit accounts
  • Getting added as an authorized user on a credit card holder’s account

Some home loans help home buyers with bad credit scores enter the real estate market. Federal Housing Administration (FHA) mortgages, Department of Veterans Affairs (VA) mortgages and U.S. Department of Agriculture (USDA) loans typically have more lenient credit requirements and, in some cases, don’t require a down payment. 

Add a co-signer

It’s a big ask, but you might be able to increase your preapproval amount by getting someone you trust to co-sign the loan. If the co-signer has good credit and a steady income, lenders might increase your preapproval limit based on your combined income.

But co-signing does come with some risks. The co-signer is legally responsible to repay the loan if you can’t. The loan and its payment history are recorded on the co-signer’s credit report.

Generate more income

One way to afford a larger mortgage is to boost your income. That might look like a raise at work, overtime or a higher-paying job. They’re all viable options, but many of them are easier said than done for most of us.

There are other ways to generate more income, including:

  • Income from rental properties 
  • Interest or dividends from investments
  • Income from alimony or child support
  • Income earned from a part-time job or side hustle (Etsy, anyone?)

Get a longer-term loan

While the idea of paying off your mortgage in 10 or 15 years has some appeal, the monthly mortgage payment for shorter-term loans might not work for your budget. By getting a longer loan term, such as 30 years, you can stretch your mortgage payments and likely end up with more affordable monthly payments.

Lenders want to make sure you can keep up with your payments, so lower monthly payments over a longer term may help increase your preapproval amount. You should be aware that longer-term loans generally have higher interest rates. In the end, you’ll likely pay more for your mortgage than you would with a shorter-term loan. 

You might also want to consider refinancing your loan once you’re in a better financial position.

It’s also possible to offset a higher mortgage rate and reduce your overall costs by making larger or extra payments over the life of your home loan. 

Pro tip: Check your loan agreement before you start making larger or extra payments. Some mortgages come with prepayment penalties.

Find a different lender

You might find slight differences in underwriting standards across lenders. If you’re not satisfied with the mortgage preapproval from one lender, you can shop around with multiple lenders to see which one will give you a better preapproval amount and terms.

Lower your house buying budget

If you can’t increase your mortgage preapproval or aren’t prepared to go through the process of optimizing your finances, you may have to start looking for a more affordable house. You can still become a homeowner, you’ll just need to find your dream home in a more affordable price range.

Search for more affordable properties and revisit your house must-haves list. Were all those amenities must-haves? Can you live in a different area, would a smaller yard be the end of the world, are there a few condo amenities you can live without? There are plenty of ways to make homeownership affordable while finding a home that meets your needs.

Don’t Bite Off More Than You Can Chew

You can increase your mortgage loan preapproval amount if you can improve your credit score, bring your debt down or generate more income. 

Sometimes it might make more sense to lower your house buying budget or push pause on homeownership rather than push for a higher preapproval amount. If you push too hard, you could end up with a higher loan amount that derails your monthly budget. 

A good personal finance rule of thumb is to have no more than 30% of your gross monthly income go toward your mortgage payments. That should leave enough cash left over to afford your lifestyle and cover your other expenses.

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Determining Your Credit Score

  1. Your credit score is a three-digit number that’s used to predict how likely it is you’ll pay back money you borrowed.
  2. The score generally ranges from 300 (low) to 850 (excellent). It’s calculated by looking at your previous credit history.
  3. You can check your credit report to find the number or use a free credit tool. You can also plug in your best guess.

It’s okay if your credit score isn’t perfect! Wow ⭐ looks like you’re in great financial shape!

It’s okay if you have another mortgage or an imperfect credit score! It’s all good if you have a second mortgage (or not).

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In the meantime… Back to the content you came here for! Feel at Home Make your home feel like home with this handy move-in checklist. Feel at Home Settle in with home improvement tips & tricks. Feel at Home Settle in with home improvement tips & tricks.

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  1. Experian™. “What is a Credit Utilization Rate?” Retrieved April 2022 from https://www.experian.com/blogs/ask-experian/credit-education/score-basics/credit-utilization-rate/

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Commodity ETFs give individual investors an easy way to diversify

  • Commodity exchange-traded funds (ETFs) are funds that invest in raw materials.
  • These funds help investors gain quick access to the commodity markets.
  • Investors can buy and sell commodity ETFs the same way they do stocks.

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Commodity investing is appealing for several reasons. It’s a great way to hedge against inflation, generate compelling returns, and diversify a portfolio.

But for individual investors, it’s usually not practical to buy physical raw materials like gold, copper, and oil or futures contracts tied to them. Those markets are largely the realm of professionals, given the high costs and complexity involved. 

That’s where commodity exchange-traded funds (ETFs) come in.

What are commodity ETFs

Commodity ETFs are securities (financial instruments that investors can trade) that provide exposure to the price changes of raw materials. These funds trade like stocks, so investors can buy and sell them on exchanges throughout the day. 

Further, investors can short sell shares of ETFs, meaning they can borrow shares from a lender and then sell them in hopes of purchasing them back later at a lower price. Investors can also buy ETFs on margin, which involves borrowing funds and then using them to purchase these securities. 

Types of commodity ETFs

There are four main types of commodity ETFs:

  1. Physically backed ETFs: These funds hold the actual raw materials themselves, for example gold, silver or platinum. 
  2. Futures-based funds: These use derivatives contracts, including futures, swaps and forwards, to grant exposure to different commodities. Regardless of whether the underlying raw-material price rises or falls, these ETFs can generate returns. These funds can potentially influence futures prices, instead of simply following them, because they make so many transactions.   
  3. Equity-based commodity ETFs: These funds provide exposure to the stocks of companies involved with natural resources or other raw materials. For example, businesses that take part in extracting, producing, storing, or shipping these commodities. 
  4. Exchange-traded notes (ETNs): These are debt-based securities issued by financial institutions. They track an underlying index, similar to many ETFs. ETNs don’t pay dividends, instead of providing lump-sum payments, which can help investors who own them to avoid short-term capital gains taxes. 

How do commodity ETFs fit in an investment portfolio? 

Commodities are alternative investments, meaning they are alternatives to more traditional assets like stocks and bonds. Investors can incorporate commodity ETFs into their portfolios in order to improve diversification. 

There is strong statistical data supporting the ability that commodities have to diversify investor portfolios. Between 1970 and 2017, the annual returns produced by the Bloomberg Commodity Index and the S&P 500 had a correlation of 0.3, which is rather low, according to the investment management firm Pimco.

Quick tip: Commodities have a track record of displaying a low correlation to stocks and bonds, making them a valuable tool for diversification.

The aforementioned commodity index had the same correlation with the Bloomberg Barclays Global Aggregate Index, a measure of global bonds. 

Investors can also harness commodity ETFs to hedge against inflation, as raw materials have frequently experienced predictable gains when unexpected inflation materialized. In other words, when key inflation measures, like the consumer price index, went up, commodity prices often rose along with them.

“Commodity ETFs can be attractive because they can be uncorrelated with other asset classes (like the stock and bond market in general) and also provide a hedge against inflation,” says Lana Khabarova, founder of SustainFi, a platform for impact investing. For instance, an agriculture ETF could be a good investment if food prices are on the rise.

At the same time, Khabarova cautions that commodities have been more volatile than stocks, so investors should limit the portion of their funds invested in them. “They are there for diversification but are not meant to be a core investment,” she adds.

Christopher G. Huemmer, senior investment strategist for FlexShares ETFs at Northern Trust Asset Management, says commodities should be one part of a mix of asset classes investors use to hedge against rising inflation. He suggests that they harness Treasury Inflation Protected Securities (TIPS) in the short-term, natural resources and commodities in the intermediate-term, and real estate and global infrastructure over the long-term. 

“Over that intermediate time horizon, both commodities and natural resource equities have done an excellent job historically of battling inflation and giving investors an alternative source of returns beyond stocks and fixed-income securities,” Huemmer says.

What are the pros and cons of commodity ETFs? 

One major benefit of commodity ETFs is that they can provide an investor’s portfolio with greater diversification since raw materials have frequently displayed little correlation to stocks and bonds. 

Another major draw of these funds is that they can help investors hedge against inflation since natural resources and raw materials have frequently increased in value when consumer prices are pushed higher. 

Further, commodity ETFs provide investors with a way of obtaining returns that don’t move in tandem with those of stocks. 

As for drawbacks, commodity ETFs can experience significant volatility . Their prices are a function of supply and demand. Bad weather, for example, can have a substantial impact on the supply of certain agricultural commodities. 

In addition, the tax treatment of commodity ETFs can be complex. If you invest in funds that hold precious metals directly, you might end up paying taxes higher than your long-term capital gains tax rate or even your income tax rate, since the current tax rules treat these ETFs as collectibles. 

Further, commodity ETFs that make use of futures can potentially affect the price of these derivatives contracts by executing a large number of transactions. This situation creates additional uncertainty for these funds.

How do you buy commodity ETFs? 

You can use a brokerage or retirement account to purchase shares of commodity ETFs. If you don’t currently have one, you can establish one of these accounts by going through either a financial institution or your employer.

Quick tip: Any investor with a brokerage or retirement account can buy commodity ETFs. 

Once you have set up one of these accounts, be sure to conduct the appropriate research on commodity ETFs that interest you so you can find one or more that are a fit for your objectives, risk profile and time horizon. If you think it will prove helpful in evaluating these matters, consider seeking the assistance of a financial professional. When you have selected a fund that is a good fit, you can buy it just like you would purchase shares of stock. 

When considering commodity ETFs, investors should keep in mind the many potential benefits they provide. For example, their strong ability to provide diversification or hedge against inflation. Further, they should remember that these funds provide quick, efficient exposure to these raw materials. 

However, investors should also keep in mind that commodity ETFs have their drawbacks. For example, sharp volatility and complicated tax rules.



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Two Updates to Credit Reports

Credit reports are getting a couple of significant tweaks. Information from buy now, pay later (BNPL) firms will now be added to consumer credit reports from the three major credit bureaus—Equifax, Experian and TransUnion—and some medical debt information will be removed. 

Consumers with medical debt should see their scores increase. Starting in July, medical debt that was sent to collection but eventually paid off will be removed from all three reports. Plus, any new medical debt you incur won’t show up on your credit reports until a year after it is sent to collection. Currently, credit reports start to show an unpaid medical account 180 days after it is sent to collection, and it can stay on your credit reports for up to seven years after you’ve paid off the debt. 

BNPL firms, including Affirm, Klarna and Afterpay, offer you a loan at the checkout counter to cover your purchase. Until now, credit bureaus didn’t track such loans, and it’s not clear exactly how the BNPL information will factor into credit scoring formulas, says Matt Schulz, chief credit analyst at LendingTree, an online loan marketplace. People who pay their installment loans on time could see their scores go up, and tracking the loans may give some people a score who didn’t have one before. 

However, if you miss payments or take out a lot of these short-term loans, the hit to both the payment history and credit history sides of the credit scoring algorithm could cause your score to drop, Schulz says. Payment history counts for 35% of your FICO score, with length of credit history counting for 15%. And if your BNPL loans boost your utilization ratio—how much of your available credit you are using—that could affect your score as well. If you plan on using a BNPL loan, it’s a good idea to set up automatic payments from your checking account or debit card to pay it off as soon as possible. 

For more information on how to troubleshoot your credit reports, see  How to Build Wealth (or Rebuild it.)

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Why complicate life with multiple retirement buckets? Why not use

Last Updated on April 3, 2022

A reader wants to know why a retiree needs to complicate life with multiple retirement buckets when all he needs is a single portfolio with equity and debt after retirement which is much easier to manage.

About 10 years ago, I would have probably thought the same. Age and experience change perspective. See: I thought a pension was unnecessary but age taught me a retirement planning lesson! And unsurprisingly, the person who asked this question was a young man.

He asked the above question following the description of buckets here: How practical is a retirement bucket strategy? Our robo advisory tool recommends the use of four buckets: An income bucket with guaranteed income for the first 15 years in retirement and low-risk, medium risk and high-risk buckets that would be used to fill the income bucket in subsequent years.

Here are some illustrations:

As an example consider:

  1. A liquid fund for inflation-protected income
  2. A conservative hybrid fund representing the low-risk bucket.
  3. A dynamic asset allocation fund as the medium bucket
  4. An equity fund or an aggressive hybrid fund as the high-risk bucket.

So that is just four funds to manage a retirement portfolio.  This is NOT a recommendation; just an arbitrary illustration to point out that a “bucket” is what you call it!

Sure it can be made even simpler with just two funds (equity and debt) or even a single hybrid fund. But will you put all your corpus in just one or two funds? Even if you call it a single bucket or a single portfolio with equity and debt, there are likely to be 2-3 funds in each asset type.  What you call a single bucket, I can say are multiple buckets.

Retirement buckets are arbitrary mental divisions. You can split them up any way you like or combine them any way you like and even think of them as the same portfolio.

A retiree can hold four debt funds and four equity funds and claim they have no buckets, just one portfolio. Or he could claim he has distributed his 8 funds into four different buckets. It is only a point of view. The maintenance and effort is just the same.

Why split our investment as buckets after retirement?

  1. To emotionally handle sequences of returns risk better. That is any large crash or a poor run of returns from equity at the start of retirement can hamper our ability to beat inflation.
  2. As a retiree, I need peace of mind. I need to know that come rain or shine I can fight inflation for X number of years after retirement. The income bucket essentially guarantees this for the first 15 years.
  3. In addition to this, any income from pension, rent etc. also forms what is known as an income floor further cementing our peace of mind. See: Creating the “ideal” retirement plan with income flooring!
  4. During these 15 years, the rest of the corpus grows. Most of it is in debt and 20% to 40% in equity depending on the profile of the retiree. This allows us to reasonably combat poor equity sequences of returns (poor returns after 5 years, 7 years etc) in the remaining buckets. Also, the low-risk bucket will be least affected by equity as it has the least exposure and the other buckets will have additional time to grow (another 7-10 years for the medium bucket and 14-20 years for the high-risk bucket).
  5. Yes, these are arbitrary mental subdivisions but once I make them I can face market downturns and crashes with much better ease.

You may ask, “suppose, I hold 75% debt and 25% equity. I will withdraw an inflation-protected income from the debt component, allowing the equity to grow untouched for as long as possible. I will rebalance once a year. This also should take care of the sequence of returns risk, should it not? Why complicate matters with buckets?”

The short answer is, yes it is most definitely possible. I would say you are using two buckets – one for equity and one for debt. And that debt bucket is likely to have compartments since all the money is unlikely to be invested in the same type of debt instrument. In your model, there are no rules on when to use which bucket. In the above the sequence of use is pre-defined.

We do not and cannot claim ours is better. However, we believe that the bravado of a young investor to keep things simple but fuzzy often vanishes with age and 45+ retirees prefer something more concrete even if it needs to be elaborate.

Dividing a portfolio into buckets is only a point of view. Whether we do it or not, we need to address, “what I will I do if returns from equity are 0% after 10 years?” and come up with an answer better than “I will wait it out and use my debt for income”.

The most practical way to handle this risk (buckets or no buckets) is to minimize equity exposure even if we retire early. Of course, this would mean a higher corpus, but it is better to be safe than sorry.

Another issue people have about “retirement buckets” is management. To some, the above plan sounds like a retiree has to follow market movements and time the entry or exit from buckets. This is incorrect. No such action is necessary. Just a simple annual rebalance is all that is required.

Using buckets can be used to cement inflation-protected income for longer and longer durations. Imagine a year when the stock market doubled in value. So our high-risk bucket would have doubled in size (X to 2X). We could take 0.5X and shift it to the income bucket and 0.5X and shift it to the low-risk bucket. Again these are only mental subdivisions but can be the difference between calm and panic. You can play this game with our Retirement Bucket Strategy Simulator.

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Pattabiraman editor freefincalPattabiraman editor freefincalDr M. Pattabiraman(PhD) is the founder, managing editor and primary author of freefincal. He is an associate professor at the Indian Institute of Technology, Madras. He has over nine years of experience publishing news analysis, research and financial product development. Connect with him via Twitter or Linkedin or YouTube. Pattabiraman has co-authored three print books: (1) You can be rich too with goal-based investing (CNBC TV18) for DIY investors. (2) Gamechanger for young earners. (3) Chinchu Gets a Superpower! for kids. He has also written seven other free e-books on various money management topics. He is a patron and co-founder of “Fee-only India,” an organisation for promoting unbiased, commission-free investment advice. Use our Robo-advisory Excel Template for a start-to-finish financial plan! Now with a new demo video! ⇐ More than 900 investors and advisors use this! Our flagship course! Learn to manage your portfolio like a pro to achieve your goals regardless of market conditions! ⇐ More than 2700 investors and advisors are part of our exclusive community! Get clarity on how to plan for your goals and achieve the necessary corpus no matter what the market condition is!! Watch the first lecture for free!  One-time payment! No recurring fees! Life-long access to videos! Reduce fear, uncertainty and doubt while investing! Learn how to plan for your goals before and after retirement with confidence. Our new course!  Increase your income by getting people to pay for your skills! ⇐ More than 620 salaried employees, entrepreneurs and financial advisors are part of our exclusive community! Learn how to get people to pay for your skills! Whether you are a professional or small business owner who wants more clients via online visibility or a salaried person wanting a side income or passive income, we will show you how to achieve this by showcasing your skills and building a community that trusts you and pays you! (watch 1st lecture for free). One-time payment! No recurring fees! Life-long access to videos!    My new book for kids: “Chinchu gets a superpower!” is now available!Both boy and girl version covers of Chinchu gets a superpowerBoth boy and girl version covers of Chinchu gets a superpowerBoth boy and girl version covers of Chinchu gets a superpower. Most investor problems can be traced to a lack of informed decision making. We have all made bad decisions and money mistakes when we started earning and spent years undoing these mistakes. Why should our children go through the same pain? What is this book about? As parents, if we had to groom one ability in our children that is key not only to money management and investing but for any aspect of life, what would it be? My answer: Sound Decision Making. So in this book, we meet Chinchu, who is about to turn 10. What he wants for his birthday and how his parent’s plan for it and teach him several key ideas of decision making and money management is the narrative. What readers say!Feedback from a young reader after reading Chinchu gets a Superpower (small version)Feedback from a young reader after reading Chinchu gets a Superpower (small version)Feedback from a young reader after reading Chinchu gets a Superpower!

Must-read book even for adults! This is something that every parent should teach their kids right from their young age. The importance of money management and decision making based on their wants and needs. Very nicely written in simple terms. – Arun.

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You can be rich too with goal based investingYou can be rich too with goal based investingPublished by CNBC TV18, this book is meant to help you ask the right questions, seek the correct answers, and since it comes with nine online calculators, you can also create custom solutions for your lifestyle! Get it now. It is also available in Kindle format. Gamechanger: Forget Startups, Join Corporate & Still Live the Rich Life You Want Gamechanger: Forget Start-ups, Join Corporate and Still Live the Rich Life you wantGamechanger: Forget Start-ups, Join Corporate and Still Live the Rich Life you wantThis book is meant for young earners to get their basics right from day one! It will also help you travel to exotic places at a low cost! Get it or gift it to a young earner.

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Travel-Training-Kit-Cover-newTravel-Training-Kit-Cover-new This is an in-depth dive analysis into vacation planning, finding cheap flights, budget accommodation, what to do when travelling, how travelling slowly is better financially and psychologically with links to the web pages and hand-holding at every step. Get the pdf for Rs 199 (instant download) Free android apps

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