SAMUEL

I am a finance professional with decades of experience and a Fellow of the Kenya Institute of Bankers. As a Fellow, I share my knowledge to fight financial illiteracy and prepare my readers with basic information on financial matters.

Negative Real Mortgage Rates Means Don't Pay Down Extra Principal

Unfavorable Actual Mortgage Charges Means Do not Pay Down Further Principal

[ad_1] As a homeowner with a mortgage, the holy grail is having a mortgage rate below the 10-year bond yield. When you have this situation, it’s like living for free and you should not pay down extra principal. If you had the money, you could invest an amount equal to your mortgage into a 10-year …

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Beware of local councils promising new energy switch events – they may not be all they

Beware of local councils promising new energy switch events – they may not be all they’re cracked up to be

[ad_1] Collective energy switches are where a trusted group (such as a council or our Cheap Energy Club) gets energy firms to bid to provide special tariffs, which are only offered to registered members. Councils across Britain have been running these for a number of years in partnership with group-buying experts iChoosr, under the ‘Big …

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Martin

Remember you have no legal right to return store-bought goods because you’ve changed your mind

[ad_1] Here are Martin’s top things to look out for: 1. When you buy something in store, remember you have absolutely no right whatsoever to return it (unless it’s faulty) Martin asked the audience how long they thought shoppers have after purchasing an item in store to return it. One audience member answered “28 days” …

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The New COVID Variant Investment Thesis For Stocks And Real Estate

The New COVID Variant Investment Thesis For Stocks And Real Estate

[ad_1] The new COVID variant, Omicron (B.1.529) was first detected in South Africa in November 2021. Omicron is quickly becoming the dominant COVID variant. i Preliminary reports are showing Omicron is less potent, which is leading to less hospitalizations per infected cases. Reported symptoms seem to be more mild as the variant doesn’t seem to …

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BiggerPockets Money Podcast 256: Finance Friday: Financial Independence in 5 Years w/ Short-Term Rentals

Monetary Independence in 5 Years w/ Quick-Time period Leases

[ad_1] There are a lot of methods to fund your nest egg. You may outright save, or you would put money into index funds, rental properties, or short-term rentals like right this moment’s visitor, Charlotte from Charlotte. Working as a trainer in one of many lowest-paid states within the US, Charlotte was in a position …

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How to Take Back Control, one street at a time

Methods to Take Again Management, one road at a time

[ad_1] “We’re not going again to the identical outdated damaged mannequin with low wages, low development, low abilities and low productiveness, all of it enabled and assisted by uncontrolled immigration.” — Boris Johnson, October 6 “British meat producers have begun sending carcasses to the EU for butchering after which delivery the meat again to the …

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Why Residential Real Estate is One of the Safest and Best Investments You Can Make

Why Residential Real Estate is One of the Safest and Best Investments You Can Make

[ad_1] Out of all of the ways to build wealth through investing, why invest in real estate? To start, I’ll say this: there are a lot of different ways to invest in real estate—all of them with real potential. I would argue, however, that residential real estate—especially single-family rentals—is truly one of the best real …

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Budgeting methods

11 Greatest Funds Planners to Set up your Funds for 2022

[ad_1] Holding observe of your spending may be simpler than ever earlier than with one of the best price range planners out there. Listed below are our high suggestions. Managing your cash and protecting observe of funds may be one of many harder elements of being an grownup. Utilizing cashless funds and bank cards could …

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Planning for the Future While Still Enjoying the “Now”

Planning for the Future Whereas Nonetheless Having fun with the “Now”

[ad_1] The next is a partnership with SELCO Neighborhood Credit score Union. All opinions are 100% my very own. Consider it or not, getting ready to your future and taking advantage of your current life are suitable pursuits. Actually. For those who’re skeptical, I get it. I used to be proper there with you as …

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Committing to being in the moment – Independent Banker

Committing to being within the second – Impartial Banker

[ad_1] Photograph by Heather Esposito Let’s collectively decide to being extra current in all of our interactions. It gained’t be lengthy till we acknowledge what a real present that’s to ourselves and people we serve. With the vacation season upon us, the idea of “current” takes on a frantic connotation. The hunt for the correct …

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Medical Crowdfunding: How to do it

Medical Crowdfunding: The best way to do it

Medical crowdfunding is method of fundraising for a project from a large number of small of people who contribute small amounts of money. Over recent years there has been  a surge of people  crowdfunding their health-care for many reasons.  The number of people seeking medical services from private health facilities has been increasing. Public health …

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