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Top 5 high dividend ETFs for 2020

Top 5 high dividend ETFs for 2020

Now and then, it is recommended you revisit your portfolio and realign it with your financial goals (which may also have changed amidst the current global pandemic). A popular investment is exchange-traded funds (ETFs), which allow you to hold a basket of high dividend-paying companies. It is a hybrid of mutual funds and stocks.

Here are five of the top high dividend ETF funds that you can consider for investment during 2020:

Vanguard Total Stock Market ETF (VTI)
The CRSP US Total Market Index is tracked by the VTF. It is representative of almost 100% of the investable market, comprising micro-cap, small, mid, and stocks. As of March 31, 2020, the SEC yield was estimated at 2.20%, and the expense ratio was 0.03%.

Vanguard Dividend Appreciation ETF (VIG)
This fund keeps track of the NASDAQ US Dividend Achievers Select Index, which was previously known as the Dividend Achievers Select Index and covered approximately 182 stocks. As of December 2019, the expense ratio was 0.06%, and the SEC yield for the fund was about 1.80%.

Vanguard High Dividend Yield ETF (VYM)
This particular fund from Vanguard monitors the FTSE High Dividend Yield Index. The fund represented about 404 stocks of companies with high dividend yields as of November 2019. The approximate expense ratio for every USD 1,000 is USD 6 (0.06%), while the SEC yield for VYM is estimated at 3.23%

SPDR S&P Dividend ETF (SDY)
This fund is amongst the few that have a five-star rating from Morningstar. It is one of the best high dividend ETF funds that covers a large selection of dividend-paying stocks and levies very reasonable fees. SDY keeps track of the S&P High Yield Dividend Aristocrats Index, comprising more than 100 high-dividend company stocks. The yield on SDY as of December 2019 was 2.5%, and the expense ratio was estimated at 0.35%.

iShares Select Dividend ETF (DVY)
This dividend ETF is offered by BlackRock and monitors, approximately 100 companies that have a five-year history of high dividend payouts. The ETF had a relatively high SEC yield of 3.56%, with an expense ratio of 0.39%.

A word of advice on investments
Exchange-traded funds work like mutual funds and allow you to procure exposure to the broader market, a particular industry, or other sub-segment as per your personal needs. The primary objective of ETFs is to invest funds in companies that have increased dividends payouts for a minimum number of years. Some companies may invest in funds that pay the highest dividends.

Before you invest in high-dividend ETFs, you must check their historical performance and determine the returns delivered over the years. This information should be available online through a fund tracker or the funds’ websites.

The dividend ETFs annual payout is also available on the website or the prospectus, which should help you determine the funds’ annualized yield. Alternatively, you may calculate the profit by dividing the latest dividend by its net asset value (NAV) of the fund’s share price.

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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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Tips to find the best investment advisor

In recent times, the older saving habits have slowly been replaced by the mindset to invest. A lot of people have realized that it is a better idea to invest money into something which allows it to grow rather than just hoard it in an account. It is important to remember that all investments are subject to market risks and carrying out thorough research is crucial. If finance is not your forte, you should seek the help of a person who can advise and guide you regarding investing your money. Do the following to find the best investment advisor for you: Determine the kind of advisor you needThere are some professionals who provide you with advice on how to manage your finances but are not equipped at guiding you well with your investments. If you want to have someone help you with managing your finances, then find some who can fulfill that requirement. Once you feel you have accumulated enough wealth and are ready to invest, look for one of the best investment advisors in your locality. Make sure the person you choose for the job has expertise in that specific area and is a certified professional. For instance, if you wish to invest in the stock market, find someone who is an experienced fund manager.Check their credentialsIt is important to check the credentials of an individual or an organization before you approach them to guide you. Find out if they have a PFS (Personal Financial Specialist) or a CFP (Certified Financial Planner) designation. The best investment advisors also have CFA (Chartered Financial Analyst) certifications. The aforementioned credentials are acquired by passing an examination, which tests the individual’s skills in providing sound investment advice.Determine how they chargeIf you walk up to a financial or investment advisor without prior knowledge of the kind of fee they charge, they might end up asking you to pay up an exorbitant amount. There is no specific guideline regarding how much an investment advisor should charge. Some charge an hourly fee, a few of them ask for an asset-based fee, and then there are some who ask for a commission. You also need to understand the difference between a fee-only advisor and a non-fee only advisor. The latter is entitled to receive kickbacks from his company and the former does not get any such incentives.Research on the internetAs we all know, the internet is a great place to source out any kind of information. There are several prominent websites that list the names of investment advisors in your area. Before you go about reaching out to the agencies or meeting a bunch of advisors, do some research on the internet. Even if you do not know the names of the websites you can get some credible information on, using the right keywords on the search engines shall guide you towards them. Ask the right questionsWhen you are going to pay somebody for the services they will be providing, it is better to ask them all the important questions and clear your doubts before you proceed to work with them. From getting proper information about their experience and the kind of cases they have handled to understanding their approach to their work, ask them all that you want to know. Being their client, you must also give them the opportunity to ask you whatever they wish to regarding your finances and financial history so that they have a clear picture and can be the best investment advisor for you.

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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

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Gout – Diagnosis, stages, and prevention

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