Top 5 Best Stocks to Invest in for Newbies

Investing in the stock market at first can be a little intimidating. You might not know what stocks to pick. In that case, one of the best things to do is to start out simple by buying individual blue chip stocks. These stocks are growth companies with a long track record that pay dividends. You can start buying one or a few shares at a time and then buying more as you build your diversified portfolio.

As you learn to build your investment portfolio and buy and hold, you can start buying other stocks later on. But right now, let’s look at what a basket of stocks might look like for a newbie investor in 2017. Let’s start that basket of stocks with not only a high investment choice but a company that has recently done very well. Excellent quarterly earnings just met McDonald’s recent record high share price, and that makes this a great first dividend power stock to add to your portfolio. Look at the chart and yield for that stock.

Now that you have your first investment under your belt, it is time to move on to the second choice. Your second stock for your beginning portfolio is going to be another company with the same type of track record, the same record high price and also recent good earnings like VRX Options. The second building block of your portfolio is Disney. Now it’s time to move on to the third building block.

For your third stock, let’s think about the S&P 500 or anything you want may be in technology sector. One good rock solid play in the technology sector is Intel. Intel is also a good forward play when it comes to a value stock. Your 4th play, another power company, play yet, also a value stock, is General Electric, GE. Now for your 5th and final stock for your beginner portfolio. Let’s go with a Staples stock for your 5th and final play, although it’s not going to be the usual recommendation from experts, Proctor and Gamble. Let’s go with Church and Dwight Company (CHD) whose chart looks like it could mirror Proctor and Gamble in the future. Grow those companies first as a great beginner portfolio that is diversified and ready to perform.

The Advantages and Disadvantages of Sharing Your Apartment

Sharing living quarters with someone else is a common occurrence, yet many turn up their noses when it comes to this type of situation. It is certainly not for everyone, so consider all angles before you make this choice.

The main reason that many people decide to share an apartment with roommates NYC is quite simple; it is cheaper. Splitting living costs makes it more affordable for those who don’t have a heap of money to live in a better environment. For instance, someone who could barely afford to live in a small studio in a rough part of town can room with a few others and end up residing in a four-bedroom brownstone in an upscale neighborhood.

This may sound incredibly appealing, but you have to think about the not-so-great side of things. Living with others means that rules have to be followed. You cannot walk around nude when you like, invite friends over at random and leave your things all over the place. This space is shared, so you will have to respect others when deciding how to carry yourself. People who are not great at listening to others would certainly have a difficult time with this.

Someone else might be around at all times. This can be a right or wrong thing, depending on the situation. When the lights go off, and you need someone who is not afraid to head into the basement and take a look at the fuse box, this is perfect. On the flip side, it can be hard to plan a romantic evening for two when you live in an apartment with roommates.

There are advantages and disadvantages of sharing an apartment. Keep all of this in mind if you are looking for housing and weighing all of the options that are available to you.

What Is A Reverse Mortgage?

A reverse mortgage is a home equity loan designed for older homeowners who are 62 years or above. The borrower doesn’t need to make monthly mortgage payments for such a loan. The loan is repaid once the borrower moves out or dies. These loans are a great option for cash-strapped seniors. The first reverse mortgage was introduced in 1989 where seniors over 62 years were able to access a part of their home equity without having to vacate the house. This read offers information on reverse mortgages.

There are a lot of motivations that may lead to a reverse mortgage. In most cases, people use this option to pay off debt. The bank will make the payments to the borrower based on a percentage of his/her accumulated home equity. The loan has to be repaid only after the borrower permanently moves out, dies, or sells the home. The amount you can obtain from a reverse mortgage is determined by several factors such as your age, interest rate, and the value of the home. You should use the particular home as your primary residence to become eligible for a reverse loan. Usually, the more valuable your home is and the older you are, the more money you can get from this type of loan. For more information check out

There are many advantages as well as disadvantages of availing yourself for a reverse loan. Some of the benefits of such an investment are: the borrower does not require to pay the loan on a monthly basis, the proceeds can be used to pay off debts, funds will improve your monthly cash flow, and the money can pay off the existing mortgage. The cons of the loan are: closing charges & fees could be high, the borrower should continue to pay property taxes & homeowner insurance, and the loan can complicate your wish of keeping the house within the family.

The read as mentioned earlier offers information on what is a reverse mortgage as well read the Main Page of Franklinfirstfinancial.