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From rent to the security deposit to utilities to the million other costs and living expenses involved, renting an apartment is an expensive endeavor. Saving up enough to afford everything can seem like a daunting task, especially if you’re not good with savings or it’s your first apartment. But fear not. This complete guide to budgeting for an apartment will give you a framework to follow, allowing you to easily start budgeting and reach your financial goals.
While there are all sorts of ways to save, creating or following a budget system will help keep you accountable, motivated and consistent. Here’s how to create a budget and start setting aside money for your apartment. These easy-to-follow steps will help everyone, whether you have to budget for your first apartment and you’re doing this process for the first time or you’re a seasoned renter.
The first step is to determine where you stand financially. While annual income is important, it’s your monthly income that matters the most. This is what dictates how much you can afford to pay in rent and for other necessities.
Looking at your pay stubs or paychecks, you’ll be able to determine your take-home pay. Your take-home pay is different than your gross income because your employer has already deducted things like income tax, payroll tax and social security.
If you’re only paid once a month, you can easily identify how much you make each month. If you get your paycheck every other week, you’ll need to add up your monthly paychecks.
This process is usually easiest for salaried employees, as they get paid a set amount for each pay period. Hourly employees may need to create a rough average of how much they make each month.
Then, calculate your monthly costs. These are living expenses you’ll pay on a monthly basis like rent, utilities, renter’s insurance, health insurance, food and more.
It’s OK if you don’t have exact figures for all these expenses. If you’re still apartment hunting, you can sub in the average rent for the city or area. You can also estimate things like food. Err on the side of caution and make your expenses higher than you expect.
After determining how much you make and then spend each month, deduct your monthly expenses from your income.
If your projected expenses are higher than your income, you’ll need to go back and see where you can cut costs. Likely, it means you’ll need to spend less on rent.
You should only spend 30 percent of your income each month on rent. Most landlords also require that your income be three times more than the rent. Using your income and expenses, you can calculate how much you should spend on rent using our rent calculator.
As you start this budgeting process, you’ll find that there are tons of different budgeting methods and systems out there. If this is your first time having to budget for an apartment, you may need to try several different systems before finding the one that works for you.
Nowadays, many people enjoy using budgeting apps to track their savings. These are great options because most are affordable and easy to use, and there are tons of different apps to try. Apart from apps, other popular budget methods include the envelope method and the pay-yourself-first method. But lots of people swear by the 50/30/20 budget method.
If you’re looking for a monthly budget system that helps you consistently build savings while still covering all your needs with a little extra money left over for fun, the 50/30/20 method is a great apartment budget option.
It essentially works like this. You divide your monthly income into three sections. Fifty percent goes to needs or necessities. These can include paying monthly rent on your current apartment, renter’s insurance, paying the electric bill and other utilities and other essential needs. If you’re saving toward your first apartment budget and still live at home, the costs for your monthly needs probably aren’t too high.
Once you’ve paid for your needs, you still have 50 percent left over. Thirty percent should go toward wants. These are things you want but don’t necessarily need, like streaming services or dining out.
The remaining 20 percent gets automatically put away as savings. This budget ensures you pay for all the things you need and want while still consistently saving toward a goal. If you don’t have a ton of needs or wants, you can put more toward savings. The 50/30/20 rule serves as a framework and you can customize the savings and wants categories how you like. But always make sure that you cover your “needs,” like paying rent.
Your apartment budget should cover the following:
When moving into an apartment, obviously you’ll need to pay the first month’s rent at move-in time. Some landlords also require that you pay for the last month’s rent upfront, as well.
Your budget needs to include the security deposit, which is usually the same amount as one month’s rent. In total, you need three months’ worth of rent saved before moving in.
Some landlords charge a pet deposit for pets, as well.
It’s a good idea to budget for the first months’ worth of utility bills, as well. That includes electricity, water, natural gas, internet, sewer and garbage.
You can save money by finding an apartment complex that includes utilities. Apartment complexes that cover even some utilities like electricity or water are useful money-saving tools. Otherwise, you’ll be paying directly to the utility companies for everything and it adds up.
On top of all that, you’ll also need to budget for the myriad other expenses that come with renting an apartment. That includes everything from application fees to cleaning supplies to actually furnishing the place. If you’re moving out and this is your first apartment budget, this handy checklist covers many of the things you’ll need.
You’ll also need to budget for moving costs like a moving truck or packing supplies. Sometimes, you can keep moving costs low if you don’t have a ton of stuff or aren’t moving far. But, if you have heavy furniture or are moving to a new city, you may have to pay for professional movers.
Renting an apartment also comes with the occasional additional fee or unexpected expense. It’s recommended to save more than you initially budgeted for to avoid nasty surprises.
Along with the 50/30/20 rule, the 30 percent rule is a good rule of thumb for when you’ve moved into your apartment. As some monthly expenses like the cost of food can vary, the monthly rent will be one constant. You can use it as a set amount around which to anchor a budget.
Essentially, the 30 percent rule is that you should only spend 30 percent of your income each month on rent. This ensures you have 70 percent of your monthly take-home available for spending on other expenses like food.
There’s no straight answer about exactly how much money you need to save for your new apartment. The amount varies depending on factors like location and the cost of the rent. That’s why you’ll need to use the above steps to personalize the budget to your needs. If you’d like a rough estimate, check out this article about how big you should get your apartment savings.
If you’re saving for your first apartment, it’s always better to overbudget and save even more. On top of rent and other apartment living costs, you’ll need to actually furnish and outfit your apartment for living.
Here are some other ways you can boost your budget.
Smaller apartments like studio or one-bedroom apartments are generally more affordable and less expensive than bigger apartments. Plus, it’s always a good idea to live slightly below your means so you can constantly save money and not live paycheck-to-paycheck.
If you’re saving toward a two-bedroom apartment but it’s stretching your budget too much, add a roommate to the mix! Living with roommates cuts expenses down and opens the door to creating wonderful memories.
Beware the siren call of the city center. The cost of rent will nearly always be higher closer to the city center, especially in big cities. The promise of living just steps from big city amenities like dining and shopping is strong, but it’s better to live further away in a more affordable housing situation. On the plus side, you’ll have more money to enjoy those urban perks!
If you have the issue of constantly dipping into your savings account, set up a separate bank account. That way, the temptation to touch it is gone.
While saving, cut back on unnecessary spending so you have extra cash to put toward your budget. Dine out less, cancel subscriptions you don’t need or use and the like. Have cable but don’t use it? Call the cable company and cancel. How about that gym membership you don’t actually use? It’s gone.
You can always take up those habits or wants-based spending again when you reach your goal.
While saving toward an apartment, there are some things you still need to spend money on, like food. You still have to eat and food costs money. You still have to commute to work or get around for errands. But there are ways you can spend less on these activities and items.
For groceries, you can shop at bargain supermarkets, use coupons or buy cheaper, generic brands. Instead of driving everywhere and paying expensive gas prices, take public transportation.
You can also go thrifting or hit up garage sales for bargains and deals on big-ticket items. Need a new coffee table? Skip IKEA and hit up the local Goodwill. How about a couch? Check area neighborhoods for who’s having a garage sale.
Even after you’ve reached your goal and moved in, keep adding money to your savings. When the time comes for you to move again or upgrade apartments, you’ll already have a head start. You’re also prepared in the event you need a cushion in case of rent increases.
It doesn’t matter if you’re a first-time renter or have been renting apartments for years. Creating and sticking to a budget is an important part of the rental process. Not only does it help you get a new place to live, but it teaches good financial practices you can use in other areas of your life. Above all, make a savings plan and stick to it.
Source: rent.com
Are you curious about the concept of a duplex apartment and eager to explore its unique features? Look no further! In this comprehensive Redfin guide, we will delve into everything you need to know about duplex apartments. Whether you’re hoping to move out of your cramped Houston apartment or you’re considering buying a property in Baltimore, this article will provide you with a detailed understanding of this distinctive residential arrangement. From its architectural design and layout to the benefits and considerations, join us for a comprehensive overview of duplex apartments so you can make an informed decision about this increasingly popular housing option.
A duplex is a form of multi-family housing characterized by a building that contains two separate units. Duplex apartments can be vertically divided, with each level having its own entrance, or they can be horizontally divided, sharing a common entrance but with distinct living areas on each level.
In cases where outdoor space exists on the property, it is typically shared between the residents of both units or partitioned accordingly. A duplex building is owned by a single individual who may choose to reside in one of the units or not. The owner has the option to rent out either one or both of the units to tenants. Similar to duplexes, triplex and fourplex buildings are other types of multi-family housing, accommodating three and four units within the same structure, respectively.
A duplex refers to a building divided into two separate units, typically sharing a common wall, with each unit having its own entrance. This arrangement offers a sense of privacy and independence, as well as the opportunity for rental income. On the other hand, an apartment is a self-contained living space within a larger complex, typically consisting of multiple units in the same building. Apartments often offer amenities such as shared facilities, maintenance services, and a centralized management system.
Duplexes often offer more space than traditional apartments, with separate living areas, bedrooms, and sometimes even outdoor areas like patios or yards. This additional space provides residents with a greater sense of freedom and flexibility to personalize their living environment.
In some cases, duplexes are owned by individual landlords who rent out one unit while residing in the other. This arrangement can present opportunities for aspiring homeowners to live in one unit and generate rental income from the other, potentially helping with mortgage payments and building equity.
Duplexes typically have fewer shared walls compared to apartments, which can result in reduced noise transfer between units. This can contribute to a quieter and more peaceful living environment, making it appealing for those seeking a balance between privacy and community.
Duplexes may be less common in certain areas compared to apartment complexes, so finding a suitable duplex for rent or purchase can be more challenging. It’s important to thoroughly research the local housing market to determine the availability and pricing of duplex units.
Unlike apartments where maintenance and repairs are typically handled by the landlord or management company, duplex residents are often responsible for the upkeep of their unit and the shared areas. This can involve additional time, effort, and expenses, depending on the terms of the rental agreement or ownership arrangement.
Despite the separation between units, living in close proximity to neighbors can sometimes compromise privacy. Noise, shared spaces, and occasional visual intrusions may diminish the feeling of complete seclusion typically associated with detached single-family homes.
In many cases, duplexes have a smaller lot size compared to single-family homes. This can result in limited outdoor space, making it challenging for residents to have extensive yards or dedicated outdoor areas. Shared outdoor space might be required, which could require coordination and compromise with the other unit’s occupants.
Duplexes offer a unique living situation where you share a building with another household. While this can foster a sense of community and potentially lead to friendships with neighbors, it’s essential to assess your personal preferences for privacy. Determine whether you are comfortable with shared walls, common outdoor spaces, and potential noise levels from the neighboring unit. It’s crucial to strike a balance that aligns with your lifestyle and social needs.
Thoroughly review the lease agreement and ensure you understand the terms and conditions. Pay close attention to provisions related to maintenance responsibilities, utility payments, and potential restrictions on modifications or subleasing. Additionally, clarify the process for resolving any disputes that may arise with your landlord or the other tenant in the duplex. A clear understanding of the rental agreement will help set expectations and avoid any potential conflicts down the line.
Evaluate the rental price in relation to your overall budget and financial goals. Take into account not just the monthly rent, but also any additional costs such as utilities, maintenance fees, and potential shared expenses with the other tenant. Assess your current financial situation and ensure that renting a duplex aligns with your long-term financial plans. It’s important to strike a balance between finding a comfortable and suitable living space while ensuring it fits within your budgetary constraints.
While both can involve owning a portion of a building, a duplex is typically a single building divided into two units, whereas a condo is a type of ownership in which individuals own individual units within a larger complex.
The suitability of a duplex apartment depends on your lifestyle, preferences, and specific housing needs. Consider factors such as desired living space, privacy requirements, responsibility for maintenance, and availability in your desired location. Assessing these factors will help determine if a duplex apartment aligns with your living preferences and goals.
Source: redfin.com
Transamerica is considered to be one of the world’s leading insurance and financial services companies. The firm offers insurance and investments to more than 19 million customers worldwide.
As Transamerica’s slogan suggests, the company – and its customers – are “Tomorrow Makers.” This is because the company strives to make its customers’ tomorrows everything that they plan for.
Transamerica is a financial services company that provides insurance, investment, and retirement products and services.
It was founded in 1904 and is headquartered in Baltimore, Maryland. Transamerica is a subsidiary of Aegon, a multinational life insurance, pensions, and asset management company based in The Hague, Netherlands.
The company has been in the business of providing insurance and financial advice for more than 100 years and it began its operation in 1904 when Amadeo Giannini started the Bank of Italy in a converted saloon in San Francisco, California.
He strived to make financial services available to everyone of all financial classes, not just the wealthy. His business really ramped up following the 1906 San Francisco earthquake when he was able to provide loans to residents for rebuilding their properties.
Several years later, in 1928, the company merged with Bank of America, and two years after that, it acquired Occidental Life Insurance via Transamerica Corporation. In 1956, the banking and life insurance companies were separated, with the insurance component maintaining the Transamerica name. Today, customers of Transamerica have access to a wide variety of insurance and financial products and services.
The firm is licensed to provide insurance in all U.S. states, and the District of Columbia, and it has approximately $223 billion of premiums in force. Transamerica has a roughly $29.5 billion in assets under management.
Transamerica offers a variety of products to both consumers and businesses.
On the insurance side, the company provides numerous options, including the following types of coverage:
Term life insurance offers pure death benefit protection for a specific period of time.
This is typically 10 years, 15 years, 20 years, or 30 years. Should the insured pass away during the time that a term life policy is in force, the named beneficiary will receive the stated amount of death benefit.
Because term policies do not offer any type of cash value or savings component, the premiums for this type of coverage are typically more affordable than other, “permanent,” forms of coverage.
For example, you can get a $1 million term policy for less than 20% of a permanent policy with the same face value. Term life is sometimes referred to as “temporary” life insurance coverage as it is often used for covering temporary needs such as the balance of a mortgage.
Whole life insurance offers death benefit protection as well as cash value build up.
The funds that are inside of the cash value grow on a tax-deferred basis, meaning that no tax is due until the time of withdrawal. The cash grows at a guaranteed rate over time.
Whole life is considered permanent coverage because as long as the premium is paid, coverage remains in force – oftentimes for the “whole” of a person’s life.
Universal offers a death benefit protection as well as a cash value build up. However, it provides more flexibility than whole life in that the policyholder can choose to pay higher or lower premium amounts as their financial needs change over time.
The policy value may simply increase or decrease accordingly. Like with whole policies, the cash value is allowed to grow on a tax-deferred basis.
Variable life, provides death benefit protection and cash value.
With variable universal life, however, the cash value’s return is based on underlying investments in market-related “subaccounts.” These can allow the funds in the account to grow a great deal – provided that the market moves upward. These accounts can also be riskier in a downward moving market.
This can help to ensure that their loved ones will be taken care of should the unthinkable occur. (It is important to note that this benefit will not typically pay out in the event of death that is caused by sickness or other natural causes).
Final expense coverage focuses on paying for a person’s funeral and related expenses.
Today, the cost of a funeral – including the burial plot, headstone, and other related expenses – can exceed $10,000. Unfortunately, many families are not able to pay these costs immediately upon the death of a loved one.
Having final expense insurance allows for a way to do that – eliminating stress on loved ones, in an already stressful and emotional time.
What is key man life insurance you ask?
Key person insurance is a form of business insurance that people can overlook, but one that can make all the difference in keeping a business or firm successful in the face of losing an owner, or important team member.
In addition to life insurance, Transamerica also offers a number of other financial products, including long-term care insurance, annuities, and retirement/investment savings options for those who are planning for retirement, as well as those who are already there.
Transamerica has been given very good ratings by the insurer rating agencies.
These ratings include the following:
| A.M. Best | Moody’s Investor Services | Fitch | Standard & Poor’s |
| A+ | A1 | AA- | AA- |
Yes, Transamerica is a legitimate company. It is a subsidiary of Aegon, a multinational life insurance, pensions, and asset management company. Aegon is rated highly by financial rating agencies such as Standard & Poor’s, Moody’s, and Fitch Ratings.
Transamerica has been providing insurance, investment, and retirement products and services since 1904 and is regulated by state and federal government agencies.
Choosing a life insurance policy, including one from Transamerica, comes with certain risks. Some of the biggest risks to consider include policy lapse, which occurs when you fail to pay the premium on time and could result in losing coverage.
Another risk is market risk, which refers to the performance of any investments within the policy, such as a cash value component, that can be subject to market fluctuations and result in losses.
Misrepresentation is another risk to consider, as providing incorrect information on your life insurance application could result in your policy being denied or not paying out as expected in the event of a claim.
Lastly, it’s important to make sure the life insurance policy you choose is appropriate for your needs and financial situation, as Transamerica offers a range of policies.
When seeking life insurance, it is important that the insurer is able to offer choice and flexibility – especially such that it meets with your specific needs. Many have the misconception that they cannot find a policy for them because of their lifestyle choices, such as one looking for life insurance for a smoker, there are options out there for you and I can help with finding the best for your needs.
Transamerica provides an extremely flexible and diverse product line up, including:
This, coupled with the company’s excellent customer support team can make for a nice mix – especially for customers who may need assistance in figuring out the details in terms of how much to purchase and what type of coverage may be best for their specific needs.
In addition, Transamerica’s policies also come with a nice assortment of riders – which can make their plans even more customizable. For example, the firm offers an estate protection rider that can help in protecting loved ones from estate tax obligations that may arise from the payment of the policy’s own death benefit.
The company’s website provides additional information on both policies and policy riders so that interested potential applicants can obtain more information on how these may work in their specific scenario.
Yet, even with all of the good, there are some considerations that should be taken into account when searching for coverage – especially when doing so through just one single insurer. This is especially the case if you have certain health issues, such as searching for best life insurance rates for smokers and/or you possess other factors that may deem you as being a higher risk applicant. This may lead you to need to look into a company that offers no medical exam life insurance policies.
In these cases – or in any case – it is always good to do some comparison shopping. Otherwise, you are essentially “locked in” to whatever price the insurer presents you with. This can be somewhat similar to only going to one car dealer or one computer dealer when shopping for these items, and never even checking prices elsewhere before moving forward with your ultimate purchase. With this in mind, regardless of how good the product, it always makes good sense to shop around first.
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When you’re in the process of searching for the best life insurance coverage – regardless of your current health condition or status – it is important that you compare the type of policies that are available to you, as well as the premium cost from different carriers.
This is because there could be a significant variation between one insurer and another – even for the very same type and amount of coverage.
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Summary
Transamerica is a financial services company that provides insurance, investment, and retirement products and services. It has a long history, having been established in 1904, and is a subsidiary of Aegon, a multinational life insurance, pensions, and asset management company.
One of the strengths of Transamerica is its broad range of products and services, which includes life insurance, annuities, mutual funds, and retirement plans. This allows customers to choose from a variety of options to meet their financial goals and needs. The company has a strong online presence, offering convenient access to account information and resources, as well as easy policy management and premium payment options.
3.8
Pros
Wide range of life insurance products: Transamerica offers a variety of life insurance products, including term life, whole life, and universal life insurance, which allows customers to choose the policy that best suits their financial goals and needs.
Strong financial stability: Transamerica is a subsidiary of Aegon, a multinational life insurance, pensions, and asset management company, which has a strong financial position as indicated by its highly rated financial standing from credit rating agencies.
Convenient online services: Transamerica provides a convenient online platform for policy management, which includes access to account information, policy details, and premium payment options.
Professional support: Transamerica has a team of trained professionals who can help you understand the policy options and select the one that best suits your needs.
Cons
Potential policy lapse risk: If you fail to pay the premium on time, your life insurance policy may lapse, which can result in the loss of coverage and any accumulated cash value.
Market risk: Depending on the type of policy, there may be investment components within the policy that are subject to market risk, meaning that the policy’s value can decrease in value.
Complexity: Some of Transamerica’s life insurance products, such as universal life, can be complex and may require a higher level of understanding and management to ensure that you are making the most of your coverage.
Premium costs: The premium costs of Transamerica’s life insurance policies may be higher compared to other insurance companies, and it’s important to consider your budget when choosing a policy.
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Source: goodfinancialcents.com
For many people, a financial advisor is a key ally in helping you reach your financial goals. While most savvy people under 30 should be able to handle their finances on their own, many opt to hire a financial advisor to get access to personalized advice from a financial expert.
If you live in San Francisco and want help from a local financial advisor, you’ve come to the right place. The best financial advisors in San Francisco are standing by to help you create a financial plan, choose the best investment portfolio, and put you on track to reach your most important financial priorities. Keep reading for a list of the best financial advisors in San Francisco.
What’s Ahead:
Bingham Osborn & Scarborough Wealth Management, better known as BOS, is an investment and financial advising company for individuals with at least $3 million in investable assets.
The fee-only firm advises clients with a holistic approach that looks at all aspects of the client’s finances. BOS works to build long-term investment portfolios using a data-driven approach that incorporates taxes and other factors.
A smaller shop, Burgess Financial Planning is a boutique firm with just one planner. Sean Burgess is a CFP and Registered Investment Advisor. He is a fiduciary (that means he always puts your best interests first) and doesn’t have any minimum required level of assets to get started.
Burgess charges a $480 fee for an initial planning meeting. If you decide to work with Burgess Financial Planning long-term, investment fees are charged based on assets under management. This firm earns an impressive 4.5-star rating with 35 reviews on Yelp.
Founded in 2014, Citrine Capital is a fee-only wealth management firm with a focus on the Bay Area’s high-tech community. Entrepreneurs, business owners, and startup employees will likely feel at home with this firm.
Citrine Capital works to organize client finances in a way that helps them reach financial goals, mitigate taxes, and manage wealth for long-term needs. Fees start at $7,000 per year for clients with a net worth below $1 million.
Located across the Golden Gate Bridge in Corte Madera, Financial Connections offers financial management, investment management, and other services to Bay Area clients. The fee-only firm doesn’t take any commissions or compensation from large investment fund providers.
The firm’s team acts as fiduciaries project-based financial planning. For those with long-term and unique needs, you can sign up for a concierge service to plan for specific needs. Its investment management product comes with either customized portfolios or robo advisor-style modeled portfolios.
Founded by Kathryn Hall in 1994, Hall Capital Partners is a large financial planning firm with more than $30 billion in client assets under management. It exclusively works with high-net-worth clients, many of whom hold eight-figure and nine-figure portfolios.
If you have that kind of wealth, the $300,000 to $400,000 annual minimum fee isn’t a huge deal. But for most of us peons with merely tens or hundreds of thousands, or even assets in the low millions, Hall Capital Partners probably isn’t going to work for you. If you just made it big time from your company’s IPO, however, it could be worth giving Hall Capital Partners a call.
Morling Financial Advisors is an investment manager and financial planner founded in 1999. Suitable to high-tech Silicon Valley, Morling Financial Advisors has its own app for clients to log in and view their account details.
Financial planning services start at $300 per month. Investment management services start at 1% for those with under $1 million in assets and go down to 0.60% for those with $10 million and up.
If you are in Oakland or Alameda, the office of Paragon Financial Planning may be convenient for you. Paragon Financial Planning is a small office led by Samantha N. Dinh, a Certified Financial Planner.
She’s doing something right, as Paragon Financial Planning earns perfect five-star ratings after 34 reviews on Yelp. Dinh offers financial planning, investment management, and insurance services through her company.
| Firm | Services offered | Primary clientele |
|---|---|---|
| BOS | • Financial planning • Trust & estate planning • Wealth management |
High net worth individuals |
| Burgess Financial Planning | • Financial planning • Investing advice |
Those looking for no minimums and an affordable advisor |
| Citrine Capital | • Wealth management • Financial planning • Asset protection • Risk management. |
High tech professionals, entrepreneurs, business owners |
| Financial Connections | •Financial planning • Investment management • Retirement planning • Socially responsible investing |
Those with unique money needs |
| Hall Capital Partners | • Investment management • Risk management |
High net worth individuals |
| Morling Financial Advisors | • Financial planning. • Investment management |
Tech industry workers |
| Paragon Financial Planning | • Financial planning • Investment management • Retirement planning |
Those looking for no minimums and an affordable advisor |
This list of the best financial advisors in San Francisco is based on several sources.
Financial advisors on this list don’t earn from shady commission deals. They are all fee-only planners where you know what you will pay upfront and can rest easy that there are no major financial conflicts of interest.
Fiduciaries are legally required to put your interests first. It’s a good idea to only work with a financial or legal expert who acts in a fiduciary capacity.
Before adding a financial advisor, I checked out reviews on multiple sites including Google and Yelp, and public lists of awards given to San Francisco financial advisors.
Top advisors from this list may be a good fit for people from all financial backgrounds, whether they have $1,000 to invest or $100,000,000. While every financial advisor on this list isn’t the right fit for every reader, there should be an advisor that meets the needs of most people looking to get started with a financial advisor.
Remember that not all people need a financial advisor. Resources like those available here at Money Under 30 could give you all you need to make good financial decisions without the added cost of a finance professional. Ultimately, it’s up to you and your comfort level with your finances to decide if you would benefit from the services of a San Francisco financial advisor.
A financial advisor is a licensed financial professional with the expertise to help you manage various parts of your finances. That can include creating a financial plan, managing your investments, or a fully hands-on advising experience where they handle most of your day-to-day finances. Some focus on taxes, some focus on specific types of business owners or employees, some work with anyone.
There are many types of financial advisors. The one thing they all have in common is a business built around helping you manage your money.
A financial advisor is best for someone who isn’t confident that they are making the right financial decisions. Most people don’t get much financial education at school, if any. That means unless their parents taught them about money, they could be just making best guesses around major financial decisions like saving for retirement or buying a home.
If you want help creating a financial plan or having your plan double-checked by a professional, a financial advisor could be right for you.
A fiduciary is a type of financial advisor that is obligated to put your interests first. That means they are not allowed to put your money into a fund that isn’t aligned with your long-term goals and needs.
Ideally, you should only ever work with a financial professional that acts in a fiduciary capacity.
Financial advisors can offer a range of services. Here are some of the most popular services you can find from a financial advisor.
If you are hiring a financial advisor, it’s important to ask them how they get paid. That’s because financial advisors can charge fees in different ways. They could also make money in ways that give them an incentive to suggest investments that are not in your best interest.
Fee-only financial advisors are only paid by client fees. This is the best type of financial advisor to choose. I would argue that it’s the only financial advisor relationship that works toward the client’s best interests.
Fee-only advisors may charge monthly or annual fees, hourly fees, or fees based on the size of your portfolio. Rates and services can vary, so it could make sense to shop around before choosing a financial advisor.
Some financial advisors are paid commissions by insurance companies and investment firms for selling their products. This is a major conflict of interest. Under this scenario, advisors may be paid to funnel your money into mutual funds or other financial products that are not in your best interest.
San Francisco and the Bay Area are home to some of the most successful companies in the world. But it’s also one of the most expensive places to live. A financial advisor can help you make the most of your money and keep it working to help you reach your financial goals.
By choosing a fiduciary financial advisor that works as a fee-only advisor, you should be in good hands. This list of the best financial advisors in San Francisco is a great place to get started.
Source: moneyunder30.com
This is a guest post from Karl Katzke.
Eating well is one of the small pleasures that I decided not to forego when I dug myself out of credit card debt. I’m a busy bachelor with an active social life and an absorbing job; I like food with a lot of flavor to it; and I live in a rural area without a lot of shopping or coupon options. These three things don’t usually go hand-in-hand with eating well or cheaply.
To meet my financial goals, I had to keep my food budget under $100 per month — that’s $25 a week to feed one or two people (since I often cook for dates and friends). It’s been a challenge. Luckily, in Texas and many other states, there is no sales tax on unprepared foods. Using a few simple strategies I managed to meet my goal and then some. I didn’t eat rice and beans for the entire month (unlike Morgan Spurlock), I don’t waste time digging through supermarket circulars, and I don’t spend hours in the kitchen every night. This is definitely the lazy man’s approach to groceries on a budget.
Here’s a quick rundown of my method:
The most important thing by far has been getting creative with leftovers. I don’t let anything go to waste, and that’s saying something considering the quantities I buy.
For instance, I typically will buy a 12-pack of fresh thick-cut boneless pork chops at the grocery store near the beginning of the month. (I always compare prices between the butcher’s counter and the meat aisle — you’d be surprised how often the butcher’s counter is cheaper!) For the week after I grill, I have meals that feature pork chops: plain pork chops with various sides, pork chops on top of fresh salads, pork chop slices with barbecue sauce and cheese in a tortilla. You get the idea.
Another perennial favorite is taco meat. A frozen one-pound tube of ground turkey is $2. Taco seasoning from the bulk aisle is $5 per pound (though a pound will last longer than I’ll live!). Besides tacos, taquitos, and nachos, taco meat goes great on fresh salads or mixed with another side dish like beans and rice. That’s five or six meals right there without any repeats. The base ingredient is about $3 for those five meals.
Tacos use the same ingredients as a salad: olives, tomatoes, lettuce, and cheese. Soups, stews, and Spaghetti sauce are in the same category. I make my own spaghetti sauce to an old family recipe using canned tomato sauce and a pound of ground turkey. It freezes well, costs less than $5 to make in a batch, and takes only a minute to reheat. I generally make it once a month.
Don’t buy ingredients that work for only a single meal. A friend of mine loves an arugula salad that I make with lemon balsamic dressing, but I don’t make it for her regularly because you can’t really use the arugula before it goes bad.
On the other hand, one of the few products I buy from my grocery store’s produce section is bagged whole romaine hearts. They come three to a plastic bag for $3. Romaine hearts will keep for at least two weeks fresh in the bag, and it only takes a minute to wash and chop them into salad. (Use the entire heart, of course. Don’t peel the green leaves off. The paler parts are very sweet and juicy!) Don’t buy bagged, pre-cut lettuce — it’s soggy and unappetizing after less than a week.
Be careful with coupons. Make sure you carry a calculator (I use the one on my cell phone) to figure out if it’s really a good deal versus the store brands. You’ll usually find, like I do, that store brands are cheaper. On the other hand, you can find things are a better value — buying lunch meat in the re-useable containers has actually proven to be a good value because you can wash and keep the container. At my grocery store it’s more expensive to buy the containers than it is to buy the half-pound of lunch meat that comes in them!
It seems my grandparents’ lessons are always the best. “Waste not, want not.” I watch my neighbors’ trashcans and shake my head every week. I hardly throw out anything, but some of them seem to fill their trashcans to the brim with kitchen waste every week. How can you get rich (slowly or not!) if you’re throwing out that much food?
For more about eating well for less, check out these past articles at Get Rich Slowly:
Images by Jesse Michael Nix and desi.italy. This article is not associated with Lazy Man and Money, but you should visit his site anyhow.
Source: getrichslowly.org
In a remarkable feat of financial prowess, a 28-year-old individual has shattered traditional notions of wealth accumulation. By strategically harnessing the power of multiple income streams, this trailblazer has managed to generate an astounding $189,000 a year while working fewer than 4 days a week.
As the rest of us marvel at their achievements, it’s time to unravel the secrets behind their incredible success and explore the seven streams of income that have become the cornerstone of their financial empire.
In today’s dynamic world, traditional employment is no longer the sole means to financial prosperity. Creating multiple streams of income allows you to diversify your earnings, reduce risk, and unlock the potential for wealth accumulation.
By understanding and leveraging these seven streams of income, you can take significant steps towards achieving financial freedom.
Multiple streams of income refer to having multiple sources from which money flows into your life. These streams can vary in terms of their origin, nature, and the effort required to maintain them.
By creating multiple streams of income, you can enjoy a more stable financial situation and gain the freedom to pursue your passions without worrying about money.
Earned income is the most common and widely known stream of income. It refers to the money you earn by providing your skills, knowledge, or expertise in exchange for a salary or wages. This can come from your primary job, freelancing, or running a business. While earned income is essential, relying solely on it limits your earning potential and leaves little room for growth.
Financial expert Sarah Johnson advises, “While earned income provides a stable foundation, it’s important to consider expanding your earning potential by exploring other income streams. This can help you achieve your financial goals faster.”
Profit income involves making money by buying and selling goods or services at a higher price than the cost of production. It includes businesses, entrepreneurship, and investments where you can generate profits through successful ventures. Profit income allows you to leverage your skills, creativity, and market knowledge to create additional wealth.
Profit income offers the potential for financial independence and wealth creation. However, it requires careful planning, market knowledge, and risk management to succeed in various profit-generating ventures. By evaluating market trends, identifying profitable niches, and delivering value to customers, you can maximize your profit potential in this income stream.
Certified Financial Planner Mark Davis suggests, “For those with an entrepreneurial spirit, starting a business or investing in profitable ventures can be a great way to generate substantial income. It’s important to conduct thorough market research and develop a solid business plan to maximize your chances of success.”
Rental income involves owning and leasing out assets such as real estate properties, apartments, or vehicles. By collecting rent from tenants, you can generate a steady cash flow that can supplement your primary income. Rental income offers the advantage of passive earning, as the properties can appreciate in value while providing you with regular income.
According to Susan Thompson, a real estate expert, “Investing in rental properties can provide a reliable source of income over time. However, it’s important to carefully consider location, property management, and tenant screening to ensure a positive rental experience and maximize your returns.”
To learn more about the tax implications of rental income, you can refer to the IRS publication IRS Publication 925: Passive Activity and At-Risk Rules.
Dividend income is earned by investing in stocks or mutual funds that pay regular dividends to their shareholders. Companies distribute a portion of their profits to shareholders as dividends, providing you with a passive income stream.
Dividend income can be a valuable source of long-term wealth accumulation, especially when reinvested over time.
Certified Financial Planner Emily Carter highlights the benefits of dividend income, stating, “Dividend-paying stocks can provide a steady income stream and potential capital appreciation. It’s important to diversify your portfolio and carefully evaluate the dividend history and financial health of the companies you invest in.”
Interest income is derived from lending money to individuals, businesses, or financial institutions, who repay the borrowed amount with interest. This can be in the form of savings accounts, certificates of deposit, bonds, or other fixed-income investments. Interest income allows you to earn a passive return on your capital while preserving the principal amount.
Interest income plays a vital role in a diversified investment portfolio by providing stability and preserving the principal amount. While it may not offer high growth potential, it serves as a reliable income source, particularly for conservative investors seeking steady earnings and capital preservation. It’s important to consider your financial goals, risk tolerance, and market conditions when incorporating interest-based investments into your overall financial strategy.
Royalty income is earned by granting the rights to use intellectual property, such as patents, copyrights, trademarks, or creative works. Authors, musicians, inventors, and artists can earn royalties from their creations. Once established, royalty income can provide a steady stream of passive income for years to come.
John Stevens, a successful author, emphasizes the significance of royalty income, stating, “For creators, leveraging intellectual property can be a powerful income stream. By protecting your work and exploring licensing and royalty agreements, you can generate ongoing income from your creations.”
Capital gains occur when you sell an asset, such as stocks, real estate, or collectibles, at a higher price than its purchase price. The difference between the buying and selling price represents the capital gain. By investing in appreciating assets and selling them at the right time, you can earn substantial profits and increase your overall wealth.
Certified Financial Planner Jennifer Adams advises, “Capital gains can significantly boost your wealth if you invest strategically and take advantage of market opportunities. It’s important to develop an investment strategy aligned with your risk tolerance and long-term financial goals.”
For a comprehensive understanding of capital gains taxation, you can refer to the IRS publication Over the Top for the Bournes and the Merkels.
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Diversifying your income through multiple streams of income is a powerful strategy for achieving financial prosperity. By incorporating various income sources, such as earned income, profit income, rental income, dividend income, interest income, royalty income, and capital gains, you can create a robust and resilient financial foundation.
Remember, building multiple streams of income requires time, effort, and a strategic approach. Stay committed, invest wisely, and continually explore new opportunities to secure your financial future.
Source: goodfinancialcents.com
Mission Viejo, July 17, 2023 (GLOBE NEWSWIRE) — Mission Viejo, California –
Brett Fowler, a renowned mortgage expert and founder of Legacy Home Loans, is pleased to announce the launch of a range of affordable home financing solutions for homebuyers in California and Tennessee. With a strong commitment to helping clients achieve their dream of homeownership, Fowler and his team at Legacy Home Loans are set to revolutionize the housing market in these states.
As the real estate market continues to thrive and demand for homes remains high, prospective buyers are faced with the challenge of securing affordable and tailored financing options. Recognizing this need, Brett Fowler has positioned Legacy Home Loans as a leading provider of specialized home financing services. Whether purchasing a first home, investing in real estate, or refinancing an existing mortgage, Legacy Home Loans offers customized solutions to meet each client’s unique requirements.
With over 27 years of experience in the housing industry, Brett Fowler brings a wealth of knowledge and expertise to the table. His deep understanding of the financing process, combined with his commitment to exceptional customer service, sets him apart from other mortgage professionals in the industry. Having successfully assisted numerous clients in achieving their homeownership goals, Fowler is now expanding his reach to serve clients in California and Tennessee.
California and Tennessee, known for their diverse housing markets, present unique challenges for homebuyers. Whether it’s navigating the competitive housing market in California or finding affordable options in Tennessee, Legacy Home Loans understands the intricacies of each region and is equipped to guide clients through the home financing process. From pre-qualification to closing, the team at Legacy Home Loans is committed to providing a seamless and stress-free experience.
One of the key factors that sets Legacy Home Loans apart is their ability to offer a wide range of financing programs tailored to individual needs. Whether clients are seeking conventional financing, government-backed programs, jumbo solutions, or specialized options, Legacy Home Loans has the expertise and resources to deliver optimal solutions. By partnering with a vast network of financiers, Fowler and his team ensure competitive interest rates and flexible terms for their clients.
In addition to their comprehensive financing offerings, Legacy Home Loans provides personalized guidance to help clients make informed decisions about their housing options. The team works closely with each client to understand their financial goals and customize financing solutions accordingly. With a commitment to transparency and open communication, Legacy Home Loans aims to empower clients throughout the process, ensuring they are equipped with the knowledge to make sound financial choices.
Commenting on the launch of Legacy Home Loans’ services in California and Tennessee, Brett Fowler said, “We are thrilled to expand our reach and bring our expertise to these vibrant housing markets. Our mission is to make the home financing process seamless and stress-free for our clients, and we are excited to help more individuals and families achieve their homeownership dreams in California and Tennessee.”
To learn more about Legacy Home Loans and the services they offer, visit their website at www.legacyhomeloans.com. Brett Fowler and his team are available to assist clients with their home financing needs and provide expert guidance through every step of the process.
Brett Fowler is a mortgage expert and the founder of Legacy Home Loans, a leading home financing company specializing in solutions for clients in California and Tennessee. With over 27 years of industry experience, Fowler is committed to providing personalized solutions and exceptional customer service to help clients achieve their homeownership dreams. Legacy Home Loans offers a wide range of financing programs, competitive interest rates, and flexible terms, ensuring tailored solutions for each client’s unique needs.
###
For more information about Brett Fowler with Legacy Home Loans, contact the company here:
Brett Fowler with Legacy Home Loans
Brett Fowler
949-837-1948
[email protected]
Legacy Home Loans, Inc.
25950 Acero, Suite 210
Mission Viejo, Ca 92691
CONTACT: Brett Fowler
Source: finance.yahoo.com
Start saving early, make a plan and determine how you’ll use your funds.
July 17, 2023
Saving for retirement should start early and continue throughout your career.
Before taking steps towards retirement, it’s helpful to think of reaching your goals within each of the following categories:
In your late teens and early twenties, retirement is probably the last thing on your mind. If you’re lucky, you’ll get advice from an experienced person to start retirement accounts and put the maximum allowed amount in them – that’s good advice.
If your employer offers a 401(k), put money into it and request matching funds from the company if offered. You can also invest in an Individual Retirement Account (IRA). These come in many forms. Some are tax-deferred, allowing you to pay taxes at a later date when your taxable income may be lower than today. Others are not tax-deferred, allowing you to avoid paying taxes on these funds when you withdraw them during your retirement.
Starting to save early is ideal. The earlier you start saving, the more your retirement savings will grow. In addition to establishing long-term savings habits, you may want to learn about what other investment options are available to you. Explore how your retirement savings will grow over time to help you reach your retirement goals.
When considering how much to save for retirement, common advice is to “save as much as you can.” Although this is great advice, it’s not terribly useful. It’s far more helpful to take a practical approach and base the goals for your retirement savings on your future needs.
Establish a retirement budget with expected expenses and income in mind. Do your best to account for the effects of inflation and changes in your spending needs. It is generally suggested that retirees have expenses averaging 75% to 80% of those during their working years. However, don’t rely exclusively on this rule of thumb; use your personal expectations.
Although your expenses will likely decline in retirement, it’s probable that your income will also be reduced. Your total retirement income, including estimated withdrawals from savings sources, will need to meet or exceed your expected expenses for as long as you are retired. If you anticipate that other sources of retirement income won’t cover your needs, you will need to increase your current retirement savings.
One important retirement planning step involves comparing your current taxable income and your expected retirement income to estimate your tax rate now vs. later. This will help you make decisions on whether to use taxed or tax-deferred investments to reduce your lifetime tax burden.
It’s also important to consider the question: “When is the best time for me to retire?” The longer you wait to retire, generally the more value you’ll receive annually from retirement accounts, social security payments and other retirement income sources. If you plan to retire early, you may receive lower benefits and you’ll need to have more money in your retirement accounts to ensure you don’t run out of savings during retirement. Check with the Social Security Administration for retirement estimators and other resources.
A financial planner or online retirement calculator can help you input assumptions to create multiple “what-if” scenarios. Any gap you have in expenses minus annual income is the amount of your target annual retirement savings. Multiply this by the number of years you expect to be retired to calculate how much to save for retirement.
Another key retirement planning step is to figure out how you will be using your retirement accounts for expenses.
Consider consulting a tax professional to discuss your specific financial situation.
Articles may contain information from third-parties. The inclusion of such information does not imply an affiliation with the bank or bank sponsorship, endorsement, or verification regarding the third-party or information.
Source: discover.com
It wasn’t until I had children that I really started to think about the products and food I was buying and consuming.
I wanted to know what I was putting on my babies’ skin and in their bodies. I wanted to know what type of material their tiny little clothes were made from and was contained in their diaper cream and baby shampoo.
Honestly, this process was illuminating and a bit concerning at times. While I assumed the powers that be are looking out for us in terms of the quality and standards around products and food, I was surprised by some of the ingredients that are considered okay.
Similarly, while it’s nice to think that every company supports adequate working conditions, fair pay, and environmental practices – when I started to do some research I found that this is not always the case.
For me, having children was the catalyst that pushed me towards becoming a more conscious consumer. I really started to think about what I was buying, where it was coming from, and the values of the company I was supporting. And I’m not alone in this. More and more people are moving away from blind consumerism and towards a more deliberate and informed way of consuming.
Read on to find out what conscious consumerism is, why it’s important, and how you can begin to implement conscious consumer practices into your day-to-day life.
What’s Ahead:
Conscious consumerism is the practice of becoming more aware of your purchase decisions.
A conscious consumer thinks before swiping a credit card or emptying their Amazon shopping cart. A conscious consumer considers how their spending is affecting society at large with a social, environmental, political, or economic lens.
Simply put, conscious consumerism is about aligning your values with your purchases.
While our individual decisions and behaviors can feel insignificant in the grand scheme of things, just remember that all change starts with the individual. If you want to see more companies thriving that value their employees and the environment, then you need to start supporting these organizations.
Here are a few reasons why conscious consumerism matters at an individual and societal level.
Conscious consumerism matters because you vote with your wallets on a daily basis. When you buy a product from a company that doesn’t provide fair treatment or fair compensation to their employees or companies that don’t support important social movements, you are supporting those values. Values that you may not agree with.
If we want companies to change their ways and do better, then we need to put pressure on them. If we continue to buy products from companies that we don’t believe in, then there is no reason for them to change.
And people are voting. In a survey by Empower of 1,000 Americans, 60% of respondents said that they had stopped spending money at companies based on their social beliefs – this was for reasons like not agreeing with their approach to COVID-19 precautions or not agreeing with their political point of view.
Conscious consumerism also promotes awareness. Rather than making blind purchases from companies you know nothing about, the process of becoming a conscious consumer encourages you to dig deeper, to explore your values, and to find companies and products that match them.
Conscious consumerism also matters because it’s good for you. As an example, think about buying local, organic food as opposed to unhealthy, processed food.
Organic food is a conscious choice and a healthier choice. It’s also better for the environment. The same is true when it comes to the clothing you wear or the products that you put on your body. The local, sustainable, ethical products are usually better for you, the employees producing the products, and the environment.
The answer to this is a little bit more complicated than you might think.
In theory, yes. Anyone can become a conscious consumer. All of us can think about what we value and then use the internet to research companies or products that align with these values.
In practice, it can be more difficult.
Ethically sourced, sustainable products are expensive. The reason fast fashion and fast food are so popular is because they’re affordable. The reason so many celebrities preach the value of “organic this,” and “sustainable that,” is because they can afford to purchase quality items.
While many people want to eat only organic, locally sourced, and sustainable food, it’s not always a reality because of cost.
It also takes time, effort, and energy to research companies and products that align with your views. People who are consumed with working multiple jobs in order to put food on the table for their family don’t have the luxury of researching each and every purchase.
Assuming most of us value fair pay, positive social change, and sustainable products, we also value efficiency and convenience. There’s a bit of a tug-of-war between our desire to purchase the products we believe in and the ease and affordability of things like fast fashion.
While becoming a conscious consumer takes time and effort, there are varying levels of engagement. It’s not an all or nothing deal. You don’t have to be an extremist. You can take baby steps when entering into this practice.
Here are a few ways you can begin to implement conscious consumerism into your own life.
First, take some time to think about your values. What matters to you? Are you concerned with the state of the environment and the effects of global warming? Do you want to see the end of child labor? What social movements do you believe in? What kind of clothes do you want to wear? What kind of products do you want to put on your body? What kind of companies do you want to support?
How do you want to vote with your money? Not everyone will be motivated by the same things, and that’s okay.
If you want to be a more conscious consumer, but you don’t have the time to research every company and product on the market, one thing you can do is look for certified B Corporations.
Certified B Corporations are businesses that have met standards on social and environmental criteria as outlined by the B Lab. Certified B Corporations are concerned with more than just their bottom line. They care about things like the treatment of their employees and their environmental impact.
One simple way to practice conscious consumerism is to buy used products. By shopping at thrift stores you’re preventing items from ending up in the landfill.
With online marketplaces like Poshmark and Letgo, it’s never been easier to buy and sell used items.
Look to buy local products. When you purchase products locally from small business owners, you have a better chance of getting to know where your food and products are coming from. You’re also putting money into the hands of small business owners as opposed to enormous corporations.
Buying local also means the product doesn’t have to travel as far to get from the producer to you, the consumer. Less travel is better for the environment.
Do you really need another shirt, another hat, a new iPhone, or another pair of shoes? I mean, really?
Conscious consumerism isn’t just about deciding what companies you want to buy from, it’s also a question of whether you need to buy more.
Part of being a conscious consumer is evaluating the impact of your purchases. Buying more for the sake of having more, often results in more waste. So, part of being a conscious consumer is knowing when to minimize your consumption.
This is a super simple way to practice conscious consumerism. If you don’t want to add to the insane amount of plastic water bottles in our landfills and oceans then start using a reusable water bottle. It might seem small but it all adds up. Similarly, start using reusable coffee cups, straws, and food containers.
Traditional investing is all about the bottom line. Where you invest is based on what is going to yield the highest value. Socially Responsible Investing (SRI) still aims at making you money but it also takes environmental, social, and governance (ESG) issues into account.
And, you don’t need to sacrifice returns to invest with a conscience. A study in the Economist reported that sustainable funds outperformed the broader market during a market downturn.
*Higher bond allocation in your portfolio decreases the percentage attributable to socially responsible ETFs.
If you have the time to put into researching companies and products before making a purchase then by all means – do it. It’s all about awareness. The more you know about a company or product, the more confident you can feel that you are supporting a worthy company or removing your business from a corporation that doesn’t deserve it.
Of course, it can be a challenge to find reliable information, and even when you do locate the details of a product, it can be difficult to interpret (I’m thinking of all the ingredients I can’t even pronounce when it comes to food or beauty products).
If you want help identifying the environmental or ethical qualities of a company there are a number of different apps you can use such as Agreeable & Co or TradeMade.
If 2020 has taught us anything, it’s that we can’t predict the future. However, we can make some educated guesses as to where the future of consumerism is headed.
Over the past decades, we’ve seen a rise in trends like minimalism, tiny houses, and the sharing economy.
There’s also been a trend towards reduced meat consumption with a rise of vegetarianism and veganism. Think about it, there were no Beyond Burger or Impossible Burgers twenty years ago.
The investing world is anticipating a similar trend. A 2020 article by CNBC suggests that socially and environmentally conscious investing options will be “the next mega-trend in equities.”
The article quotes Peter Garnry, Head of Equity Strategy at Saxo Bank who says,
“We believe that these green stocks could, over time, become some of the world’s most valuable companies – even eclipsing the current technology monopolies as regulation accelerates during the coming decade.”
According to a white paper by Empower, more Americans are becoming more actively involved in regards to where their money is being invested as opposed to leaving it up to a financial advisor.
This is especially true when it comes to the younger generations. In a survey of over 1,000 Americans, 55% of Millennials respondents reported that they chose the companies they wanted to invest in compared to 39% of Baby Boomers.
The first step to becoming a conscious consumer is simply understanding what conscious consumerism is. It’s about understanding what you value and looking for opportunities to support the companies that you truly believe in. This is opposed to shopping blind and making purchases solely based on convenience and price.
While it’s important to acknowledge that not everyone has the resources to be the consummate conscious consumer, we can all do our part. There are simple strategies like using a reusable water bottle or buying used products. So, if you’re ready to be a more conscious consumer then pick one small strategy and start today!
(Personal Capital is now Empower)
Empower Personal Wealth, LLC (“EPW”) compensates Webpals Systems S. C LTD for new leads. Webpals Systems S. C LTD is not an investment client of Personal Capital Advisors Corporation or Empower Advisory Group, LLC.
Source: moneyunder30.com