Controversial Finance Rules to Follow

5 Controversial Personal Finance Rules That I Live By

Paying off a 30 year home mortgage must feel incredibly liberating. Decades of effort have finally paid off leaving you with a huge increase in cash-flow and sense of accomplishment. And that’s certainly true, especially if you don’t take another loan, but that doesn’t mean you should be paying off your house faster than the amortization schedule. Especially in this low interest environment, paying off your home faster than normal actually loses you money. How? Through opportunity loss, when you use your extra savings to pay down a low-interest mortgage your are losing the chance to earn a much higher risk-adjusted return (7-10% without much work) in the stock market.

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15 myths about going green and sustainable living debunked

15 Myths About Recycling, “Going Green”, and Sustainable Living, Debunked

there is a lot of misinformation out there about sustainable living and “going green.” Many of the efforts that people take to mitigate their environmental impact, though noble in sentiment, are actually fueling the overuse of energy and waste of resources. There may be hope though; there are steps we can take to reduce waste and because sustainable living is actually highly cost-effective, we can hopefully pad our pockets while accomplishing something worthwhile.

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5 Money Myths You Should Stop Believing

5 Money Myths You Should Stop Believing – The tenets of personal finance are simple enough to grasp: earn money, save money, track spending and invest wisely, but things can also get really complicated. That’s because “personal finance” encompasses literally hundreds of interrelated topics, each requiring significant study to even discuss intelligently. The topic of Tax itself is so complex that practitioners have to specialize in subsections of the tax code.

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What Your Real Estate Team Should Be Doing for You When You’re Buying or Selling a House

The best real estate teams are comprised of an experienced buyer’s agent, an organized lender or mortgage broker and you, the motivated buyer. This power-triad sets the table for the quickest and easiest real estate acquisitions. In a seller’s market, if your real estate agent can’t get ahold of the lender, you will lose properties to faster buyers. In fact, a well coordinated buyer/lender team will be in daily contact until you get an offer accepted. They know that a concerted effort for a short amount of time is more profitable than a lackadaisical approach that could stall the buying process for months.

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10 Money Habits That Will Save You Money in the Long Run

These 10 Money Habits Will Make You More Money in the Long Run

At Valuist we often put broad financial topics under the microscope to provide in-depth analysis and, hopefully, determine their inherent value. But sometimes the most impactful articles are the ones that provide easy-to-digest tips on a range of pertinent topics. So, for this post, I am going to summarize some of the most important money lessons that I have learned and covered for Valuist.

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