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Top 4 automated investing providers

Top 4 automated investing providers

Investing money is an excellent way to generate more wealth. However, there is a vast choice of investment options available. As a result, it can be challenging when it comes to making the right decision.

Automated investing service providers, also known as robo advisors, help simplify your decision. These automated advisors help build, monitor, and manage your portfolio based on your investment objectives, age, and risk profile. You need to open an account, complete a short survey, and the robot advisor will then invest your funds, and build your portfolio.

Choosing the best automated investing service provider is a difficult choice as there are many companies with such services. Some of the best service providers are:

Betterment

It is the oldest automated service provider and currently has about $13.5 billion in assets under management (AUM). Betterment is the largest independent robo-advisor company and offers accounts with annual charges ranging between 0.25% and 0.4%. Additionally, based on your initial opening deposit amount, the service provider may offer one year of free management. Some premium account holders, investing more than $100,000, receive additional features for a 0.4% management fee.

There is no minimum initial deposit amount mandated, which is ideal if you are a first-time investor with limited funds. Once you sign up for a new account and complete the survey, the robo advisor provides an automated investment plan.

Wealthfront

Wealthfront currently has more than $10 billion in AUM. The advisor levies 0.25% management fee and weighted 0.08% APR as ETF fees, which is the lowest in the industry.

Wealthfront is an excellent option if you want to try robo advisory as the service provider offers free management of the first $5,000. The company is ranked as one of the best automated investing service providers as it relies on Modern Portfolio Theory to develop a low-cost ETF portfolio. Additionally, it offers direct indexing if you invest $100,000 or higher and is excellent for tax-loss harvesting.

Schwab Intelligent Portfolios

This agency is the robo advisory arm of one of the largest investment companies in the country, Charles Schwab. The company has more than $3.6 trillion in AUM with the robo advisory arm managing about $23 billion.

The most attractive feature of Schwab Intelligent Portfolios is that there is no management or advisory fee and you may open an account for as little as $5,000. Once you open an account and complete the survey, the robo advisor creates a diversified portfolio of ETFs. For additional benefits, Schwab Intelligent Portfolios offers tools like automatic rebalancing and tax-loss harvesting.

Personal Capital

With Personal Capital, you receive free access to an excellent personal finance management platform. The company offers a combination of robo-human advisory, which may be a little more comfortable than handing over all your finances to a computer.

Personal Capital currently has more than $7.5 billion in AUM with pricing slightly higher than other robo advisors, as the company includes a human touch, too. If your portfolio is up to $1 million, the fees are 0.89%. This rate reduces if your investment exceeds a million.

Robo advisors use technology for the regular maintenance of your portfolio. However, choosing the funds, developing the portfolio, and programming the variables are still done by people.

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Top debt settlement companies in the USA

Incurring debt is really common in this age and era as everything has become extremely expensive, from college education to owing a house. If you ever feel that your debt is too large and you may not be able to pay it in time, then you can seek the help of a debt settlement company. These companies essentially communicate with your creditor to try and lower your debt and the rest of it is typically forgiven. Given below is a list of the top 9 debt settlement companies in the USA. National Debt ReliefIf you have USD 7,500 or more in debt, then the National Debt Relief can be a great choice for you. It is one of the most prominent debt settlement companies in the country. The initial consultation is offered for free, but you will have to pay 15-25% of the settled debt amount as a fee. Freedom Debt ReliefThis a dedicated company that offers debt relief services to people who have at minimum USD 7,500 to USD 10,000 in debt. 15-25% of the settle debt amount is charged as fee once a settlement is negotiated, and in return, they offer the possibility of settling the debt within 24-48 months. CreditAssociatesCreditAssociates surely is one of the top 10 debt settlement companies because of their satisfying services. They help customers who have USD 7,500 or more in debt and charge a portion of the settled debt. You can also use their services via mobile apps. Accredited Debt ReliefGenerally, people with a minimum debt of USD 10,000 use the services of companies such as this to lower the due amount; however, Accredited Debt Relief has no minimum amount stated on their website. They take two to four years to complete the process and the fee is charged only after that. CountryWide Debt ReliefThey recommend that customers with USD 10,000 or more in debt avail their services to get their debt resolved. They promise to lower the debt by 20% or charge nothing. Their track record shows a great success rate. United Debt CounselorsIf you are looking for the top 10 debt settlement companies, United Debt Counselors should be considered. This company offers its services through professional debt counselors to help you settle credit card or unsecured debts. Century Support ServicesCentury Support Services can help you reduce your debt effectively. The consultation is initially free and the fee is charged only after the first payment is given to the creditor. Subsequent fees are taken in a similar fashion.Elite Financial ServicesThe company offers to settle your unsecured loans in as short a duration as 12 to 36 months. They provide debt analysis for free and charge the debt settlement fee only after the process is completed. New Era Debt SolutionsNew Era Debt Solutions has been providing debt settlement services for over 20 years. On average, they have helped reduce around USD 250,000,000 for their clients can reduce your debt by 47% of the original amount. Now that you know the top 10 debt settlement companies in the USA, you can compare their fees and services to determine the best one for your needs.

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10 pitfalls to avoid when buying car insurance

Auto Insurance is an essential step to an assured investment return. It is a simple process that becomes even easier with the right knowledge. The number of policy options with different plans and jargons in the world of cars can overwhelm first-time investors. Appropriate considerations should be followed during the process to avoid unnecessary losses. Scroll further to know the mistakes to avoid when buying car insurance.Buying a lower premium insuranceMost car buyers are calculative of their budget and end up with lower premium car insurance. Automobile insurance ​accounts for the benefits that one gains from the policy. The mere affordability of the insurance does not justify a quality decision. One should always go to reliable companies for such insurance. The lowest premium policy providers may not be faithful enough to sustain the policy and its returns.Ignoring basic researchPrimary research is mandatory before buying or renewing car insurance. Go through its details, features, continuing policy, and unbiased comparisons. Verification of the insurer is of utmost importance in the research.Not considering deductiblesPolicyholders agree to pay a certain amount when raising a claim. These deductibles can be of two types— compulsory and voluntary. The optional amounts that you agree to pay at the time of submitting a claim are voluntary ones. It may let you pay a smaller premium when purchasing the plan. Yet it is crucial when raising a claim as it increases the amount of money you are entitled to in the claim amount. Always go for an informed decision in this aspect.Making erroneous assumptionsMany assume that they cannot afford insurance without comparing different plans. Compare and tally prices and the benefits involved to make an informed choice. Any erroneous assumption in the insurance plan can lead to disasters in the future.Setting unrealistic deductiblesBe 100% sure about making realistic deductibles goals. If you do not have any savings and cannot come up with at least $1000, do not choose that deductible. It may result in you paying a lower monthly premium for a higher deductible. Moreover, if you still cannot pay that deductible, you are no better off.Failing to check out other optionsHigh-pressure sales techniques are hard to resist. It is crucial to compare different prices, coverage offerings, and rankings. Before choosing the right insurance plan, surf through as many companies as possible.Not reading the fine print before signingIt is the most common mistake that insurance holders commit. They fail to read or ignore the terms and conditions of the insurance policy. Never involve yourself in not reading any clause before entering into a contract. Even until the last moment, try to get a chance to back out of a contract. It may be a lot to read, but make sure that you read and understand each word of the agreement.Not asking questionsNever restrict yourself from asking questions about the terminology when dealing with insurance. Ask the insurer about all associated things with the insurance plan.Buying too many policiesOverpaying for insurance is not needed for your home or automobiles. Invest time and resources in getting what you need. Then take on the things for contingencies you did not consider safe for the future.Not keeping your policies updatedReviewing and updating policies is necessary. Never forget to review or update insurance policies. This checks that you have enough insurance or are not overbuying.Avoiding these mistakes is essential. Only buy the right insurance plan for cars, the one that is best for your family today and in the future. If you are confused and do not have enough information, consult a professional. Make sure you understand the policy thoroughly to prevent any pitfalls.

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Everything you need to know about chronic fatigue syndrome

Chronic fatigue syndrome is a condition that causes extreme tiredness and fatigue that does not go away even after resting. The causes of the condition are yet to be known. However, there are some theories indicate several factors which include: Viral infection Stress Or several factors in unison Once the symptoms are identified and the condition is diagnosed, treatment can be taken to get relief from symptoms. Understanding all aspects of the condition, including its stages, diagnosis, symptoms, and prevention can help in managing it effectively. Different stages and phases of chronic fatigue syndrome The patients of chronic fatigue syndrome undergo four phases of the condition. Their response towards the treatment can also vary greatly depending on the phase that they are going through. These phases are: Phase I: Crisis or trauma Phase II: Stabilization Phase III: Resolution Phase IV: Integration During all the phases, a chronic fatigue syndrome patient undergoes some physical, psychological, and social changes that are easily noticeable. Diagnosis of chronic fatigue syndrome No one test can diagnose a patient with chronic fatigue syndrome. This is because the symptoms of chronic fatigue syndrome resemble several other health conditions. Therefore, a lot of patience is required for the diagnosis of the condition.
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What you should know about depression

Depression is a mental health disorder that results in bouts of continuous sadness. A clinical mood disorder can lead to physical and emotional suffering, and can also change one’s behavior. Frustration, anger outbursts, lack of energy, sleep issues, anxiety, disinterest in eating, concentration issues, and suicidal thoughts are also common symptoms of this disease. Depending on its severity, the illness can challenge one to lead a normal life, too. Diagnosis There are many different methods a medical professional can use to determine if one is affected by depression. Psychiatric evaluation is the most common way to determine if one is suffering from the disease. The mental health doctor will interview the affected person to understand their thought process, mood, and other symptoms. Some doctors may compare symptoms with the ones listed in the Diagnostic and Statistical Manual of Mental Disorders (DSM-5). This makes it easier for them to understand the condition. A physical exam is also performed to determine if any physical health issue is caused due to this mental condition. Stages of depression Depending on the level of sadness, the stages of depression can be divided into five stages: Stage 1 Even though the signs of mental disease are hard to miss, for most people, it starts with denial.
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Important things you should know about diabetes

The pancreas is an important organ in our body that produces insulin. It is required to help the glucose pass to our cells from the blood. That is how energy is created, which is the fuel we require to function. When the pancreas is unable to produce insulin, the glucose level in one’s blood increases. This can result in diabetes, which can lead to organ damage. Types of diabetes There are mainly three kinds of this disease. Type 1 diabetes It can be most commonly seen in children and adolescents. Having said that, it can occur at any age. The insulin production of one’s body decreases with this condition, and they require daily injections to control their glucose levels. Type 2 diabetes Around 90% of people who have diabetes suffer from this type. It is most commonly seen in adults and results in one’s body failing to properly use the insulin that is produced. It can be kept under control by maintaining a healthy lifestyle, but one may also require medicine in the advanced stages. Gestational diabetes This can be seen during pregnancy if the glucose level in one’s blood increases. It can affect both the child and the mother.
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Gout – Diagnosis, stages, and prevention

Gout or gouty arthritis is a form of arthritis that commonly occurs in the joint located at the base of one’s big toe. It can also be seen in other joints and results in swelling, sudden pain, and tenderness. It can happen to anyone and occur at any moment, even suddenly in the middle of the night. The good news is that it can be prevented and treated. Diagnosis of gout Multiple medical tests can be used to determine if one has this form of arthritis. Below is a list of the most common tests. Joint fluid test The doctor uses a needle to collect fluid from one’s joint and test the same under a microscope. If urate crystals are found in the fluid then they have the condition. Blood test For gout detection, the doctor may suggest a blood test. The amount of creatinine and uric acid present in one’s blood indicates if they have it or not. However, the result of the blood test may not always be conclusive. X-ray imaging If one has joint inflammation, the doctor can use X-ray imaging to determine if it is caused by any other reason or gouty arthritis. Ultrasound A musculoskeletal ultrasound test is used to determine if one has gout or any other form of arthritis.

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