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| <title>Motley Fool Headlines</title> | |
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| <description>Latest Motley Fool Headlines</description> | |
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| <title>15 Super-Easy Ways to Invest in Real Estate Right Now</title> | |
| <link>https://www.fool.com/slideshow/15-super-easy-ways-to-invest-in-real-estate-right-now/</link> | |
| <description>For some of these options, you can start with even a relatively small chunk of change.</description> | |
| <pubDate>Fri, 30 Dec 2023 11:10:05 -0500</pubDate> | |
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| <author>Rachel Warren</author> | |
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| <media:title>Investing in real estate has never been so accessible</media:title> | |
| <media:text type="html"><p data-block-key="19ysa">The real estate space has been super volatile lately -- as have other areas of the market at large -- but that doesn&#x27;t negate that this industry is still packed with compelling buying propositions that can contribute generous returns to a profitable portfolio for years.</p><p data-block-key="9kam4">As with any other asset, investing in this space requires the ability not only to research and understand the type of real estate you&#x27;re buying but also to determine the amount of capital, appropriate level of risk, and time you&#x27;re willing to put into it.</p><p data-block-key="5263i">As you&#x27;ll see, there are many ways to invest in real estate. Do your due diligence and make sure you find the way that works best for you and the money you&#x27;re willing to put down. Let&#x27;s look at 15 super-easy ways you can invest in real estate right now, whether you have a generous or modest amount of capital to put to work.</p><p data-block-key="bmlu1"></p><p data-block-key="9bv21"><b>5 Stocks Under $49</b></p><p data-block-key="8pggl">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="9peaf">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>1. Check out real estate crowdfunding</media:title> | |
| <media:text type="html"><p data-block-key="19ysa">If you want to invest in real estate without putting forth a tremendous outlay of time and money, crowdfunding could be a great way to get your feet wet while expanding your portfolio into numerous types of assets.</p><p data-block-key="c3uh8">Real estate crowdfunding platforms vary widely in terms of the requirements investors must meet to join and the types of investments available. Minimum investment requirements can be as low as $100 and climb to $30,000 or more. Often, real estate crowdfunding programs enable you to invest in everything from individual properties and real estate-backed loans to real estate development projects.</p><p data-block-key="32nuc"><a href="https://www.fool.com/the-ascent/mortgages/articles/these-are-the-2-worst-reasons-to-buy-a-house-according-to-dave-ramsey/">ALSO READ: These Are the 2 Worst Reasons to Buy a House, According to Dave Ramsey</a></p></media:text> | |
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| <media:title>2. Try house hacking</media:title> | |
| <media:text type="html"><p data-block-key="19ysa">If you want to invest in real estate, sometimes you don&#x27;t have to look farther than your own backyard. There are many ways to “house hack.” A common approach is to buy a multifamily residence and rent out part of it, using that income to cover a portion or all of your regular living costs. Another way to approach <a href="https://www.fool.com/investing/2022/09/06/house-hacking-buy-a-home-and-create-passive-income/">house hacking</a> is to rent out a spare room or space in your existing home.</p></media:text> | |
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| <media:title>3. Invest in a turnkey property</media:title> | |
| <media:text type="html"><p data-block-key="19ysa">Turnkey properties typically require a higher investment simply because they don&#x27;t require much (if any) work or upgrades to be move-in ready. Of course, if you buy a true turnkey property, you can put it to work right away as a vacation property or long-term rental, even as your home.</p><p data-block-key="6eavg">Many people purchase a turnkey property to rent it out to generate consistent, semi-passive income. Others may decide to move into a turnkey property and gain a more gradual return on their investment by <a href="https://www.fool.com/the-ascent/mortgages/home-equity/#what-can-home-equity-do-for-you">building equity</a> in their home.</p><p data-block-key="dobme"><a href="https://www.fool.com/investing/2022/09/16/2-real-estate-stocks-that-are-too-cheap-to-ignore/">ALSO READ: 2 Real Estate Stocks That Are Too Cheap to Ignore</a></p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/17_10_31_Golden_Eggs_in_a_basket_mad.02852753.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>4. Invest in a real estate fund</media:title> | |
| <media:text type="html"><p data-block-key="19ysa">Real estate investment funds are another fantastic way to dip your toe into this industry, and you don&#x27;t need to buy a physical property to participate. Options like real estate mutual funds, real estate index funds, or real estate exchange-traded funds allow you to branch out your portfolio with a single investment.</p><p data-block-key="46lk4">These funds tend to invest in a wide pool of assets, ranging from real estate investment trusts (REITs) to large public companies involved in the real estate industry.</p></media:text> | |
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| <media:title>5. Invest in publicly traded real estate companies</media:title> | |
| <media:text type="html"><p data-block-key="19ysa">Investing in real estate is far more nuanced than simply choosing between commercial or residential properties or a pool of real estate assets through an approach like crowdfunding or investment funds.</p><p data-block-key="44k92">You can also put your money into individual stocks that are directly or indirectly connected to the real estate industry. These include everything from iBuying platforms and real estate brokerages to companies directly supporting operations across the real estate sector, like home construction and home improvement stocks.</p><p data-block-key="fhjes"></p><p data-block-key="11dtm"><b>5 Stocks Under $49</b></p><p data-block-key="59s8u">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="ct7f7">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>6. Join a real estate investment group</media:title> | |
| <media:text type="html"><p data-block-key="19ysa">If you like the idea of partnering up with fellow investors to put your money into the real estate that interests you most but without supplying all the capital yourself, a <a href="https://www.fool.com/investing/stock-market/market-sectors/real-estate-investing/basics/real-estate-investment-group/">real estate investment group</a> might be worth considering.</p><p data-block-key="dpcrl">A real estate investment group is exactly what it sounds like. It&#x27;s a group of individual investors who combine their capital and energies to invest in real estate assets. This could be anything from mortgages to residential real estate projects.</p><p data-block-key="2vm4c"><a href="https://www.fool.com/investing/2022/09/14/ready-to-buy-the-dip-this-real-estate-stock-is-a-s/">ALSO READ: Ready to Buy the Dip? This Real Estate Stock Is a Smart Buy</a></p></media:text> | |
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| <media:title>7. Invest in homebuilding stocks</media:title> | |
| <media:text type="html"><p data-block-key="19ysa">There&#x27;s no denying it&#x27;s been a volatile year for homebuilders, as supply chain constraints and labor shortages continue to impact companies in this space. However, if you&#x27;re investing in real estate for the long term, there are still compelling opportunities; for instance, luxury homebuilders and companies specializing in the construction of healthcare and assisted living facilities.</p></media:text> | |
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| <media:title>8. Find one or more real estate investors to partner with</media:title> | |
| <media:text type="html"><p data-block-key="19ysa">There are certainly ways to enter into long-standing, profitable real estate partnerships without joining a large investor group. If you have a business partner to team up with on real estate transactions, you can decide how to divide the responsibilities in a way that works for both of you.</p><p data-block-key="vf38">For example, you and your partner could decide to buy and flip houses together and split the property management responsibilities. On the other hand, one of you could be more actively involved in the day-to-day machinations of these transactions while the other remains a passive partner.</p></media:text> | |
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| <media:title>9. Invest in commercial real estate stocks</media:title> | |
| <media:text type="html"><p data-block-key="19ysa">If you want to invest in commercial real estate stocks, you have no shortage of options. <a href="https://www.fool.com/investing/stock-market/market-sectors/real-estate-investing/commercial-real-estate/stocks/">Commercial real estate</a> encompasses many different properties to pick from according to your investment preferences and risk tolerance. We&#x27;re talking about everything from data centers, hotels, and industrial complexes to warehouses, retail stores, and office spaces.</p><p data-block-key="bg72k"><a href="https://www.fool.com/the-ascent/mortgages/articles/home-price-gains-are-slowing-but-dont-rush-to-buy-a-home-just-yet/">ALSO READ: Home Price Gains Are Slowing -- But Don&#x27;t Rush to Buy a Home Just Yet</a></p></media:text> | |
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| <media:title>10. Invest in residential real estate stocks</media:title> | |
| <media:text type="html"><p data-block-key="19ysa">Residential properties are what many people think of when they talk about real estate investing. But there is a multitude of ways to approach residential real estate investing.</p><p data-block-key="78eg3">Of course, the traditional approach is to buy a physical property to rent out or flip and sell. You can invest in <a href="https://www.fool.com/investing/stock-market/market-sectors/real-estate-investing/reit/residential-reit/">residential real estate stocks</a> to gain portfolio exposure to properties like apartment communities and single-family homes. You may also choose to invest in residential real estate with a partner or several other investors, sharing in the potential risks and the profits.</p><p data-block-key="7tnd9"></p><p data-block-key="6agfb"><b>5 Stocks Under $49</b></p><p data-block-key="ablh5">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="5cfab">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>11. Invest in mixed-use real estate</media:title> | |
| <media:text type="html"><p data-block-key="19ysa">If both residential and commercial real estate appeals to you, investing in mixed-use communities is a way to build your portfolio around both types and capitalize on a growing trend.</p><p data-block-key="2n5dq"><a href="https://www.fool.com/real-estate/2022/04/30/real-estate-investing-why-you-should-invest-in-mix/">Mixed-used communities</a> -- featuring residential properties (e.g., apartments) and commercial properties (e.g., grocery stores, coffee shops, offices, and retail spaces) -- are gaining popularity among buyers and renters.</p><p data-block-key="1vv2o">These mixed-use communities are designed to offer residents a certain ease of accessibility for daily life. They are centered around the idea that you can do everything from your job to regular errands to recreational activities in the same area without making a long and draining commute.</p><p data-block-key="fbedr"><a href="https://www.fool.com/investing/2022/09/14/600-million-reasons-this-77-yielding-dividend-shou/">ALSO READ: 600 Million Reasons This 7.7%-Yielding Dividend Should Keep Growing</a></p></media:text> | |
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| <media:title>12. Invest in farmland</media:title> | |
| <media:text type="html"><p data-block-key="19ysa">While not necessarily the first option that comes to mind when you think about investing in real estate, farmland may appeal to investors with more capital to spend and a fairly long investment horizon. One way to do this is to <a href="https://www.fool.com/investing/stock-market/market-sectors/real-estate-investing/farm-investment/">invest in physical farmland</a> that you can rent out in a multi-year cropland lease.</p><p data-block-key="dpqhb"><a href="https://www.fool.com/investing/stock-market/market-sectors/real-estate-investing/reit/farmland-reits/">Farmland REITs</a> are another way to invest in this type of asset without putting down money on a parcel of land while diversifying into everything from packaging centers to annual crops or farm loans.</p></media:text> | |
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| <media:title>13. Invest in mortgages</media:title> | |
| <media:text type="html"><p data-block-key="19ysa">A lesser-known way among many real estate investors to generate consistent income from real estate is to purchase mortgage notes. When you invest in mortgage notes, you essentially become the lender in lieu of the institution that originally lent the money to the borrower.</p><p data-block-key="cq0sm">You can purchase mortgage notes in several ways, including buying them directly from the bank, on the secondary mortgage market, or on mortgage note investing marketplaces.</p><p data-block-key="biie5">If investing in this asset type sounds good, but you don&#x27;t want to purchase the notes directly, <a href="https://www.fool.com/investing/stock-market/market-sectors/real-estate-investing/reit/mortgage-reit/">mortgage REITs</a> may be worth considering. By investing in mortgage REITs, you can invest in a pool of mortgages or mortgage-backed securities without becoming the actual lender.</p><p data-block-key="ekepd"><a href="https://www.fool.com/investing/2022/09/14/3-dividend-stocks-youll-be-happy-you-own-in-2032/">ALSO READ: 3 Dividend Stocks You&#x27;ll Be Happy You Own in 2032</a></p></media:text> | |
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| <media:title>14. Invest in REITs</media:title> | |
| <media:text type="html"><p data-block-key="19ysa">REITs are a go-to for many real estate investors, and with good reason. REITs allow you to invest in <a href="https://www.fool.com/investing/stock-market/market-sectors/real-estate-investing/reit/are-reits-a-good-investment/">baskets of real estate investments</a> that could include timberland, apartment complexes, hospitals, and self-storage facilities. This means you can diversify more quickly as you build your real estate portfolio.</p><p data-block-key="7s7hd">REITs are very easy to invest in, as you can buy and sell them through your regular brokerage account just as you would stocks or bonds. REITs are also required to pay at least 90% of their taxable income out as dividends, which boosts your potential to earn consistent passive income in addition to share price returns.</p></media:text> | |
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| <media:title>15. Invest in digital real estate</media:title> | |
| <media:text type="html"><p data-block-key="19ysa">Here&#x27;s a relative newcomer to the real estate investing world. In the age of the metaverse, some investors are turning to digital real estate as an asset to buy and hold for the long term. <a href="https://www.fool.com/investing/stock-market/market-sectors/information-technology/metaverse-stocks/buying-virtual-land/">Buying virtual land in the metaverse</a> isn&#x27;t for everyone. It&#x27;s important to carefully research and understand what you&#x27;re investing in -- just as you would any other real estate asset -- <i>before</i> putting your capital to work.</p><p data-block-key="b4g4f">According to Brand Essence Market Research estimates, the metaverse real estate market is on track to expand at a compound annual growth rate of more than 31% between now and 2028. For risk-tolerant investors, <a href="https://www.fool.com/investing/stock-market/market-sectors/information-technology/metaverse-stocks/what-is-digital-real-estate/">investing in digital real estate</a> may be an intriguing option as a smaller slice of a well-diversified portfolio.</p><p data-block-key="6vgqf"></p><p data-block-key="ctmcv"><b>5 Stocks Under $49</b></p><p data-block-key="ablja">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="b5cil">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>Building your real estate portfolio in 2022 and beyond</media:title> | |
| <media:text type="html"><p data-block-key="19ysa">If you&#x27;re worried that now may not be the best time to invest in real estate, it&#x27;s important to take a step back and consider the bigger picture. While factors like rising interest rates and fears of a housing market crash persist, real estate is an extremely broad asset class. Different market sectors will respond in varying degrees to these dynamics in the months ahead.</p><p data-block-key="7mp1h">For individuals who have a multi-year investment horizon and are willing to ride out the near-term volatility, real estate is still a compelling industry to consider for your portfolio and can generate favorable returns over the long run.</p><p data-block-key="5gklf"><i>The Motley Fool has a</i> <a href="http://www.fool.com/Legal/fool-disclosure-policy.aspx"><i>disclosure policy</i></a><i>.</i></p></media:text> | |
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| <title>15 Signs You Should Sell Your Income Property in 2022</title> | |
| <link>https://www.fool.com/slideshow/15-signs-you-should-sell-your-income-property-in-2022/</link> | |
| <description>It may be time to get that listing in order.</description> | |
| <pubDate>Mon, 31 Oct 2023 16:27:00 -0400</pubDate> | |
| <guid>469a754f-3b2a-4eea-8125-22ab2e7b4024</guid> | |
| <author>Maurie Backman</author> | |
| <lastBuildDate>Mon, 31 Oct 2022 16:27:00 -0400</lastBuildDate> | |
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| <media:title>Moving quickly to sell could benefit you in many ways</media:title> | |
| <media:text type="html"><p data-block-key="ook5r">Owning an income property can be a lucrative endeavor. But it can also be a stressful one, and you&#x27;re not guaranteed to make money. And if that&#x27;s the case, or if you&#x27;re not happy being a landlord, you may want to get out. Here are a few signs it&#x27;s time to sell your income property before 2022 comes to a close.</p><p data-block-key="f1hk9"></p><p data-block-key="6itcq"><b>5 Stocks Under $49</b></p><p data-block-key="3sh8o">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="7326c">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>1. Your property is losing money</media:title> | |
| <media:text type="html"><p data-block-key="rzru0">The point of owning an income property is to make money. If the opposite is happening for you, then it&#x27;s pretty much a no-brainer. You should cut ties with your rental home and find a buyer so you can pursue other opportunities.</p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/notebook_that_says_property_tax_on_t.b81a1722.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>2. Your property taxes have soared</media:title> | |
| <media:text type="html"><p data-block-key="rzru0">Property taxes can be a huge expense for real estate investors. If yours have risen a lot since purchasing your income property, you may be at the point where you&#x27;ve had it. In that case, it may be time to sell and make those taxes another owner&#x27;s problem.</p><p data-block-key="cjjb4"><a href="https://www.fool.com/the-ascent/personal-finance/articles/10-states-with-the-lowest-property-taxes/">ALSO READ: 10 States With the Lowest Property Taxes</a></p></media:text> | |
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| <media:title>3. Your insurance costs are up</media:title> | |
| <media:text type="html"><p data-block-key="0n3hk">When you own any type of property, it&#x27;s important that it be adequately insured. But if your insurance costs keep rising, it may be time to sell your income property. High expenses can eat into your profits, making that property not worth hanging onto.</p></media:text> | |
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| <media:title>4. Your property management fees are rising</media:title> | |
| <media:text type="html"><p data-block-key="0n3hk">Some income property owners manage their rentals themselves. Others outsource the work to a property manager. But if your property management fees are becoming unreasonable, it may be time to sell.</p><p data-block-key="87kpd"><a href="https://www.fool.com/real-estate/2022/03/22/6-reasons-a-property-management-company-is-the-way/">ALSO READ: Managing a Rental? 6 Reasons a Property Management Company Is the Way to Go</a></p></media:text> | |
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| <media:title>5. You're spending too much money on maintenance</media:title> | |
| <media:text type="html"><p data-block-key="mkty1">Owning an income property can mean spending extra money on its upkeep. Now, you may have budgeted a certain amount for maintenance when you first started renting out your income property. But if your maintenance costs are getting out of hand, you may want to sell.</p><p data-block-key="76i3f"></p><p data-block-key="276at"><b>5 Stocks Under $49</b></p><p data-block-key="3dkpj">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="1s49a">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>6. You're spending too much time on maintenance</media:title> | |
| <media:text type="html"><p data-block-key="0j59g">Maintaining a home doesn&#x27;t just take money -- it also takes time. If you no longer have enough to dedicate to your income property, you may want to sell it sooner rather than later. This especially holds true if you&#x27;ve priced out options for a property manager but can&#x27;t swing one.</p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/14_-_look_into_changing_your_heating.a1abd03f.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>7. You're worried costly repairs will soon arise</media:title> | |
| <media:text type="html"><p data-block-key="0j59g">As homes age, repair issues tend to crop up. If you&#x27;re concerned about potential repairs in the next year, you may want to sell your income property before you wind up on the hook for costly fixes. And even if your income property is in decent shape now, you may want to sell before that changes.</p><p data-block-key="djevj"><a href="https://www.fool.com/the-ascent/personal-finance/articles/tired-of-raiding-your-savings-for-home-repairs-try-this-instead/">ALSO READ: Tired of Raiding Your Savings for Home Repairs? Try This Instead</a></p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Houses_for_sale.baa44259.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>8. Your income property is in an area that's saturated with rentals</media:title> | |
| <media:text type="html"><p data-block-key="dngv9">The more properties available to rent in a given area, the less leeway landlords get to charge a premium. It may be that when you bought your income property, there wasn&#x27;t a lot of competition. But if new rentals have since popped up, you may decide it&#x27;s time to sell.</p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/stressed_woman_using_laptop.e91395ab.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>9. You're tired of dealing with tenant complaints</media:title> | |
| <media:text type="html"><p data-block-key="hl967">Managing tenants is one of the most challenging components of owning an income property. If you&#x27;re tired of doing that, it may be time to sell. That way, you won&#x27;t have to deal with the aggravation.</p><p data-block-key="9rteq"><a id="3263" linktype="page">ALSO READ: 15 Ways to Score the Best Tenants for Your Rental Property</a></p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/man_typing_on_laptop_GettyImages-511.a65ec626.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>10. You're ready to invest in other assets</media:title> | |
| <media:text type="html"><p data-block-key="336pi">Maybe your income property is fairly easy to manage. It may even be turning a nice profit for you. But if you&#x27;re ready to put money into other types of investments, then selling your income property could be a good way to come up with the cash.</p><p data-block-key="3p95o"></p><p data-block-key="evfvj"><b>5 Stocks Under $49</b></p><p data-block-key="fna7k">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="5vrjg">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>11. You want to command a higher price for your income property</media:title> | |
| <media:text type="html"><p data-block-key="8poj7">Right now, property values are up on a national level. But we don&#x27;t know how long the housing market will stay that way. If you sell your income property soon, you can capitalize on today&#x27;s higher home prices.</p></media:text> | |
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| <media:title>12. You want to take advantage of a housing market with less competition</media:title> | |
| <media:text type="html"><p data-block-key="8poj7">Right now, the U.S. housing market sorely lacks inventory. If you sell your income property now, you might end up with a higher offer due to a lack of options for sellers. If you wait to sell your income property, you might get less for it once more homes start hitting the market.</p><p data-block-key="8ndlq"><a href="https://www.fool.com/the-ascent/mortgages/articles/housing-inventory-is-creeping-back-up-heres-what-buyers-and-sellers-need-to-know/">ALSO READ: Housing Inventory Is Creeping Back Up. Here&#x27;s What Buyers and Sellers Need to Know</a></p></media:text> | |
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| <media:title>13. You want to sell before mortgage rates push more buyers out of the market</media:title> | |
| <media:text type="html"><p data-block-key="eozmk">Although mortgage rates are quite high right now, they could climb even higher in 2023. If you sell your income property now, you&#x27;ll get ahead of that issue. And that could spell the difference between finding a buyer or not.</p></media:text> | |
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| <media:title>14. You're worried a recession will hit in 2023</media:title> | |
| <media:text type="html"><p data-block-key="qys9z">For months, financial experts have been warning that a recession is coming. And if one hits, the demand for homes could shrink. If you&#x27;ve been considering selling your income property, you may want to get ahead of an economic downturn by listing that home now.</p><p data-block-key="bqe5s"><a href="https://www.fool.com/the-ascent/mortgages/articles/will-a-recession-cause-home-prices-to-plunge-not-necessarily/">ALSO READ: Will a Recession Cause Home Prices to Plunge? Not Necessarily</a></p></media:text> | |
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| <media:title>15. You'd rather buy a new income property with more money-making potential</media:title> | |
| <media:text type="html"><p data-block-key="kspz1">Maybe you&#x27;ve had a good experience as an income property owner. But if you&#x27;re ready to upgrade to a larger rental or are eager to own a rental in a different market, it pays to sell your current one. Although selling a home can be a stressful, time-consuming prospect, it could pave the way to a world of opportunity.</p><p data-block-key="4116d"></p><p data-block-key="btbn0"><b>5 Stocks Under $49</b></p><p data-block-key="12b9d">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="bom4u">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>What's the right call?</media:title> | |
| <media:text type="html"><p data-block-key="cveco">Whether you&#x27;re unhappy with your income property or are simply ready to move on, there are plenty of good reasons to put that home up for sale ASAP. Think about the pros and cons of selling now versus waiting to arrive at your choice. Also, think about whether you&#x27;re ready to move on from being a landlord to explore other investments instead.</p><p data-block-key="8tcl1"><i>The Motley Fool has a</i> <a href="https://www.fool.com/legal/fool-disclosure-policy/"><i>disclosure policy</i></a><i>.</i></p></media:text> | |
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| <dcterms:valid>end=2025-10-02T10:00:00+0100; scheme=W3C-DTF</dcterms:valid> | |
| <mi:expirationDate>01 Jan 2025 13:00:00 GMT</mi:expirationDate> | |
| <title>15 Reasons to Invest During a Bear Market</title> | |
| <link>https://www.fool.com/slideshow/15-reasons-to-invest-during-a-bear-market/</link> | |
| <description>With the sell-off comes opportunity.</description> | |
| <pubDate>Mon, 31 Oct 2022 07:00:12 -0400</pubDate> | |
| <guid>b772b3c5-acaa-4656-8f4f-cead3daa0021</guid> | |
| <author>Jeremy Bowman</author> | |
| <lastBuildDate>Mon, 31 Oct 2022 07:00:12 -0400</lastBuildDate> | |
| <media:content type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Bear_Silhouette_on_finance_page.original.jpg"> | |
| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Bear_Silhouette_on_finance_page.2d8c16d1.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>Time to buy?</media:title> | |
| <media:text type="html"><p data-block-key="14nz7">2022 has been a dismal year for investors. Through Oct. 24, the <b>S&amp;P 500</b> is down 20%, and the broad market index has been in a bear market since June.</p><p data-block-key="33c7t">Rising interest rates, inflation at 40-year highs, and fears of a recession have combined to send stocks spiraling after a boom in 2020 and 2021.</p><p data-block-key="bttft">But that&#x27;s not necessarily bad news. If you&#x27;re a net buyer of stocks, stock market sell-offs are good because they make them cheaper. Though it may seem like a scary time to invest, there are lot of reasons to buy stocks in a bear market. Keep reading to see 15 of them.</p><p data-block-key="9q0c7"></p><p data-block-key="71r8q"><b>5 Stocks Under $49</b><br/>Presented by <i>Motley Fool Stock Advisor</i><br/>We hear it over and over from investors, “I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I’d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of “5 Growth Stocks Under $49” for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>1. Stocks are on sale</media:title> | |
| <media:text type="html"><p data-block-key="cftzr">With most assets, buyers see a discount as a good thing. If the price of a TV or a house falls, you&#x27;d be more likely to buy them.</p><p data-block-key="2745d">With stocks, on the other hand, investors tend to get scared away when prices fall. And though prices for stocks are more complicated than for retail products or even real estate, right now is a great time to buy good companies on sale.</p><p data-block-key="frsfv">For example, <b>Alphabet</b> (NASDAQ: GOOG) (NASDAQ: GOOGL), the Google parent, now trades at a price-to-earnings ratio of just 18, its lowest in nearly a decade. That&#x27;s a great price for a long-term outperformer.</p><p data-block-key="8qod2"></p><p data-block-key="en39g"><a href="https://www.fool.com/investing/2022/09/14/alphabet-stock-can-double-your-money-in-5-years-he/">ALSO READ: Alphabet Stock Can Double Your Money in 5 Years. Here&#x27;s How.</a></p></media:text> | |
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| <media:content type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Slide_9_-_bear_and_bull_facing_off_and_standing.original.jpg"> | |
| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Slide_9_-_bear_and_bull_facing_off_a.c442eaa5.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>2. Every bear market has led to a bull market</media:title> | |
| <media:text type="html"><p data-block-key="wgke2">In the U.S., every bear market has eventually been followed by a bull market, along with a new all-time high for the stock market.</p><p data-block-key="53h4n">That includes the Great Depression, the financial crisis, the energy crisis of the &#x27;70s, inflation in the &#x27;80s, 9/11, and even the COVID-19 pandemic, not to mention two world wars and several other armed conflicts.</p><p data-block-key="9hi8a">There&#x27;s no absolute guarantee that the stock market will reach an all-time high, but throughout history, the stock market has overcome greater challenges than the current one to return to growth.</p><p data-block-key="db1h4">Fears that the bear market will never end are misplaced.</p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Getty_-_stock_market_timing_stopwatc.26c6e03d.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>3. You can't time the market</media:title> | |
| <media:text type="html"><p data-block-key="akgsr">If you&#x27;re waiting for stocks to keep falling, you might end up waiting too long. Timing the market is basically impossible, and you&#x27;ll never know when the market bottom will happen.</p><p data-block-key="f6v1f">Rather than trying to time the market and hope you buy at the bottom, you&#x27;re better off dollar-cost averaging into high-quality stocks that are well priced during the market sell-off.</p></media:text> | |
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| <media:title>4. Be greedy when others are fearful</media:title> | |
| <media:text type="html"><p data-block-key="jnw2r">One of Warren Buffett&#x27;s most famous aphorisms, this phrase concisely sums up the approach you want to take in a bear market: &quot;Be greedy when others are fearful.&quot; It doesn&#x27;t mean to buy stocks just because they are down. It means that you should recognize that stocks are down in part because of investor psychology. The future cash flows of the businesses in the S&amp;P 500 didn&#x27;t suddenly decline by 20%. Instead, a variety of factors, including market sentiment, have contributed to the sell-off.</p><p data-block-key="9t7tf"></p><p data-block-key="55so5"><a id="1405" linktype="page">ALSO READ: How to Invest Like Warren Buffett</a></p></media:text> | |
| <media:credit>The Motley Fool.</media:credit> | |
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| <media:title>5. Dividend yields go up</media:title> | |
| <media:text type="html"><p data-block-key="ktklz">If you&#x27;re a dividend investor, now is a great time to buy stocks because dividend yields have gone up significantly during the pullback.</p><p data-block-key="6tak3">The dividend yield of the S&amp;P 500, for example, has increased from 1.25% to 1.63%, and some stocks have seen their dividend yields skyrocket as the stock has fallen.</p><p data-block-key="7m169"><b>VF Corp</b> (NYSE: VFC), the parent of Vans, Timberland, and North Face, has seen its dividend yield jump from less than 3% to 7.2% as the company cut its guidance. But over the long term, it still looks well positioned for steady growth.</p><p data-block-key="94edo"></p><p data-block-key="9iu3q"><b>5 Stocks Under $49</b><br/>Presented by <i>Motley Fool Stock Advisor</i><br/>We hear it over and over from investors, “I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I’d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of “5 Growth Stocks Under $49” for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>6. You can take advantage of deep discounts</media:title> | |
| <media:text type="html"><p data-block-key="l6kf3">If you want to buy stocks that will give you multibagger returns, the best time to do that is now, during a bear market.</p><p data-block-key="d3r1l">While the broad market is down 20%, growth stocks have gotten hit even harder, and a number are down 90% or even more.</p><p data-block-key="aafl1"><b>Roku</b> (NASDAQ: ROKU), for example, is down nearly 90% from its peak last year. Though the streaming stock&#x27;s revenue growth is expected to slow substantially in the current quarter, it&#x27;s likely to recover once advertising demand comes back in the next bull market.</p></media:text> | |
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| <media:content type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/slide_7_-_Airbnb-Stay-Joshua-Tree_-_source_airb.original.jpg"> | |
| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/slide_7_-_Airbnb-Stay-Joshua-Tree_-_.f3ad0f5f.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>7. Not every business is weak</media:title> | |
| <media:text type="html"><p data-block-key="4c9an">The bear market might give you the impression that every stock is down. After all, if the broad-market index is down 20%, then most of its components are in the red, too. But some businesses are still thriving.</p><p data-block-key="34s3q"><b>Airbnb</b> (NASDAQ: ABNB), for example, posted 58% revenue growth in its second quarter, setting records in almost every category. The company has benefited from the travel recovery and should continue to post strong results in spite of the broad-market headwinds.</p><p data-block-key="arbd8"></p><p data-block-key="7ai9b"><a href="https://www.fool.com/investing/2022/10/24/down-46-is-airbnb-stock-a-buy/">ALSO READ: Down 46%, Is Airbnb a Buy?</a></p></media:text> | |
| <media:credit>Airbnb</media:credit> | |
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| <media:title>8. It's a good time to dollar-cost average</media:title> | |
| <media:text type="html"><p data-block-key="typjx">Even the most seasoned investors practice dollar-cost averaging. In this form of investing, you invest a regular amount at steady intervals and buy stocks in stages, rather than all at once.</p><p data-block-key="5ju4c">Dollar-cost averaging works well during bear markets because it eliminates the decision-making process from investing. You&#x27;ve already made the decision to invest in the market. Now all you have to do is follow your plan.</p></media:text> | |
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| <media:title>9. It could be a rare opportunity</media:title> | |
| <media:text type="html"><p data-block-key="pg689">While it might seem like a scary time to invest, it also could be a short-lived, opportune moment to buy stocks on the cheap.</p><p data-block-key="ap7qb">After all, aside from the brief bear market during the pandemic, you have to go back more than 13 years to the financial crisis.</p><p data-block-key="48ka5">As Warren Buffett said, &quot;If it&#x27;s raining gold, put out a bucket, not a thimble.&quot; Great opportunities don&#x27;t come along that often in the stock market. When you see one, take advantage of it.</p></media:text> | |
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| <media:title>10. You have a long time horizon</media:title> | |
| <media:text type="html"><p data-block-key="3y71o">If you&#x27;re retired or planning to retire soon, a bear market could be a problem as it eats into the nest egg you&#x27;re planning to use to fund your retirement.</p><p data-block-key="1eaj3">However, if you&#x27;re a younger investor with a longer time horizon, then a bear market is actually a good thing since it gives you an opportunity to buy stocks on the cheap. As a net buyer of stocks, you&#x27;re in a good position to take advantage of a sell-off.</p><p data-block-key="clg2l"></p><p data-block-key="7kna8"><b>5 Stocks Under $49</b><br/>Presented by <i>Motley Fool Stock Advisor</i><br/>We hear it over and over from investors, “I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I’d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of “5 Growth Stocks Under $49” for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>11. The sell-off is partly based on fear</media:title> | |
| <media:text type="html"><p data-block-key="kefm7">Market sentiment drives a lot of investor behavior in the stock market, and that&#x27;s been especially true over the past few years since the pandemic began.</p><p data-block-key="dmb2t">Buying tends to beget more buying, and selling begets more selling, as we&#x27;ve seen this year. However, market sentiment can change quickly, and when it does, many of those hard-hit growth stocks are likely to bounce back.</p><p data-block-key="436ng">Don&#x27;t let the market&#x27;s fear factor scare you out of a good buy.</p><p data-block-key="cujer"></p><p data-block-key="1i9jr"><a id="2817" linktype="page">ALSO READ: How to Measure Market Sentiment</a></p></media:text> | |
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| <media:title>12. Interest rates will stabilize</media:title> | |
| <media:text type="html"><p data-block-key="yc5na">The main reason for the current bear market is persistent inflation, which the Federal Reserve has countered by raising interest rates.</p><p data-block-key="ecco6">Though the Fed has been aggressively raising rates, the central bank is likely to take its foot off the gas pedal soon as it doesn&#x27;t want to overcorrect on interest rates and crash the economy. Once the pace of interest rate hikes slows, stocks are likely to react favorably.</p></media:text> | |
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| <media:title>13. The best investors do it</media:title> | |
| <media:text type="html"><p data-block-key="wondw">The best investors know that bear markets offer opportunity, and more sophisticated and wealthier investors tend to take advantage of bear markets to hunt for bargains and buy stocks on the cheap. Retail investors, on the other hand, have a history of being scared out of the market.</p><p data-block-key="602pe">A number of stocks, for example, skyrocketed during the pandemic, and though many have given back their gains, the earlier performance shows the kind of returns you can get from buying when stocks are down.</p></media:text> | |
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| <media:title>14. It could be over soon</media:title> | |
| <media:text type="html"><p data-block-key="uy93q">According to one measurement, the average length of a bear market is just 9.6 months. In other words, this bear market, which began in June, is already more than four months old, or about half the length of a typical bear market.</p><p data-block-key="fbm77">And the good news is that in order for the bear market to end, another bull market has to start, so the stock market bottom should come in even less time than 9.6 months.</p><p data-block-key="74d04"></p><p data-block-key="dggol"><a href="https://www.fool.com/investing/2022/10/12/how-long-sp-500-bear-market-last-history-says/">ALSO READ: How Long Will the Bear Market Last? Here&#x27;s What History Says</a></p></media:text> | |
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| <media:title>15. It'll probably pay off</media:title> | |
| <media:text type="html"><p data-block-key="9w2z7">Ultimately, there are two components to making a good stock purchase: buying the right stock and buying it at the right time.</p><p data-block-key="9qk4o">Of those two, it&#x27;s better to choose a good company, but buying at a good price is also important. The current bear market, therefore, with prices down significantly, presents a good opportunity to buy most stock, and you probably won&#x27;t regret it in a few years.</p><p data-block-key="adni7"></p><p data-block-key="3sfid"><b>5 Stocks Under $49</b><br/>Presented by <i>Motley Fool Stock Advisor</i><br/>We hear it over and over from investors, “I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I’d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of “5 Growth Stocks Under $49” for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>Take advantage</media:title> | |
| <media:text type="html"><p data-block-key="4qypa">Though bear markets are hard to stomach for investors, there&#x27;s a silver lining to your declining portfolio value. Stocks are cheap, making it a great time to buy.</p><p data-block-key="eo36f">Rather than panicking over your struggling investments, look at the market as an opportunity, and you&#x27;ll find plenty of stocks that are likely to be multibaggers over the coming years.</p><p data-block-key="49f7c"></p><p data-block-key="82qdt"><i>Suzanne Frey, an executive at Alphabet, is a member of The Motley Fool’s board of directors.</i> <a href="https://boards.fool.com/profile/TMFHobo/info.aspx"><i>Jeremy Bowman</i></a> <i>has positions in Airbnb, Inc. and Roku. The Motley Fool has positions in and recommends Airbnb, Inc., Alphabet (A shares), Alphabet (C shares), and Roku. The Motley Fool has a</i> <a href="https://www.fool.com/legal/fool-disclosure-policy/"><i>disclosure policy</i></a><i>.</i></p></media:text> | |
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| <title>Behind on Retirement Plan Contributions? 9 Ways to Catch Up Before 2022 Is Over</title> | |
| <link>https://www.fool.com/slideshow/behind-on-retirement-plan-contributions-9-ways-to-catch-up-before-2022-is-over/</link> | |
| <description>Don't let your savings fall by the wayside.</description> | |
| <pubDate>Sun, 30 Oct 2022 08:00:14 -0400</pubDate> | |
| <guid>c0e5692c-cdfe-43e5-a68c-d0fec8f5ee9c</guid> | |
| <author>Maurie Backman</author> | |
| <lastBuildDate>Sun, 30 Oct 2022 08:00:14 -0400</lastBuildDate> | |
| <media:content type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/slide_9-_check_the_airline_website.original.jpg"> | |
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| <media:title>It's not too late to make progress with saving</media:title> | |
| <media:text type="html"><p data-block-key="1wzat">Once you retire, you can&#x27;t expect to live on Social Security alone. Rather, you should expect to need independent savings. And if you&#x27;re behind on building a nest egg, here are a few ways you can catch up before 2022 comes to a close.</p><p data-block-key="97lce"></p><p data-block-key="40k4d"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only.</a></p><p data-block-key="3ug7l"></p></media:text> | |
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| <media:title>1. Put yourself on a tight budget</media:title> | |
| <media:text type="html"><p data-block-key="ak9f1">If you&#x27;re not being mindful of your spending, you might struggle to find ways to pump more money into your IRA or 401(k) plan. By setting up a budget, you can better prioritize retirement plan contributions. And you might also stop spending money on things that don&#x27;t offer you a lot of value.</p><p data-block-key="410so"></p><p data-block-key="1e2hu"><a href="https://www.fool.com/the-ascent/personal-finance/articles/i-used-to-fail-at-budgeting-until-i-did-this-1-thing/">ALSO READ: I Used to Fail at Budgeting -- Until I Did This 1 Thing</a></p></media:text> | |
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| <media:title>2. Unload an expensive car</media:title> | |
| <media:text type="html"><p data-block-key="2kf5z">Are you spending $750 a month on car payments? It may be worth unloading that car and buying a vehicle that costs you $400 a month instead. You can bank the difference for retirement and start the catch-up process.</p></media:text> | |
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| <media:title>3. Trim smaller expenses</media:title> | |
| <media:text type="html"><p data-block-key="2kf5z">Maybe you&#x27;re spending money on things like cable or subscription boxes you don&#x27;t really need. If you&#x27;re able to cut those expenses, you can free up cash for your 401(k) or IRA. Canceling even really small expenses, like a $15 monthly streaming service, can add up.</p><p data-block-key="91atn"></p><p data-block-key="kt0v"><a href="https://www.fool.com/the-ascent/personal-finance/articles/the-7-best-free-streaming-services/">ALSO READ: The 7 Best Free Streaming Services</a></p></media:text> | |
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| <media:title>4. Bank your year-end bonus</media:title> | |
| <media:text type="html"><p data-block-key="dgrgi">Getting a bonus at the end of the year? If you don&#x27;t need that money for essential bills, put it into your IRA or 401(k). It could boost your retirement plan balance nicely.</p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/SLIDE_21.Person_holding_a_Christmas_.18da9ea2.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>5. Bank your holiday cash gifts</media:title> | |
| <media:text type="html"><p data-block-key="dgrgi">You may get some cash gifts during the holidays. Rather than spend that money, stick it into savings. Even a $100 bonus contribution could go a long way when invested over the next 30 years.</p><p data-block-key="250cs"></p><p data-block-key="3elfg"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>6. Scale back your holiday celebrations</media:title> | |
| <media:text type="html"><p data-block-key="1ooxe">The holidays tend to be an expensive time of the year. If you&#x27;re behind on retirement savings, pledge to spend less this year. You can contribute the rest to your IRA or 401(k).</p></media:text> | |
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| <media:title>7. Get a side hustle</media:title> | |
| <media:text type="html"><p data-block-key="1ooxe">Right now, the gig economy is booming. Plus, businesses tend to need extra help around the holidays. So all told, it&#x27;s a good time to pick up a side hustle. You can use your extra earnings to boost your long-term savings.</p><p data-block-key="1pkj4"></p><p data-block-key="76pjn"><a href="https://www.fool.com/the-ascent/personal-finance/articles/3-little-known-perks-of-getting-a-side-hustle/">ALSO READ: 3 Little-Known Perks of Getting a Side Hustle</a></p></media:text> | |
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| <media:title>8. Snag your full 401(k) match</media:title> | |
| <media:text type="html"><p data-block-key="fmvk3">If your company offers a 401(k) match, it pays to snag it in full. Aim to ramp up your contributions enough to qualify for whatever match you&#x27;re eligible for. If your company will match up to $3,000 in annual contributions, for example, and you&#x27;ve only put in $2,000 to date this year, push yourself to put in that extra $1,000 so you can score an additional $1,000 from your employer.</p></media:text> | |
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| <media:title>9. Make extra contributions if you're eligible</media:title> | |
| <media:text type="html"><p data-block-key="fmvk3">Savers aged 50 and over can make catch-up contributions to an IRA or 401(k). If you&#x27;re behind on building your nest egg, try to take advantage of that option this year. Older IRA savers can put in an additional $1,000, while those with a 401(k) can put in an extra $6,500.</p><p data-block-key="63egu"></p><p data-block-key="akuim"><a href="https://www.fool.com/retirement/strategies/catch-up-contributions/#:~:text=A%20catch%2Dup%20contribution%20is,Source%3A%20Getty%20Images.">ALSO READ: Understanding Catch-Up Contributions</a></p></media:text> | |
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| <media:title>Help your nest egg grow</media:title> | |
| <media:text type="html"><p data-block-key="fzbir">You may end up heavily reliant on your savings once retirement rolls around. If your nest egg isn&#x27;t where you feel it should be, take these key steps to catch up. If you make the effort, you may end up much happier with the state of your savings by the time 2023 rolls around.</p><p data-block-key="da6et"></p><p data-block-key="bp857"><i>The Motley Fool has a</i> <a href="https://www.fool.com/legal/fool-disclosure-policy/"><i>disclosure policy</i></a><i>.</i></p></media:text> | |
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| <title>10 Least-Affordable Housing Markets in the United States</title> | |
| <link>https://www.fool.com/slideshow/10-least-affordable-housing-markets-in-the-united-states/</link> | |
| <description>Six are in California, led by Sacramento, as measured by payment vs. paycheck.</description> | |
| <pubDate>Sat, 29 Oct 2022 11:10:16 -0400</pubDate> | |
| <guid>7bfd5294-e4f8-48e2-b6d4-ce00d272c0d3</guid> | |
| <author>Marc Rapport</author> | |
| <lastBuildDate>Sat, 29 Oct 2022 11:10:16 -0400</lastBuildDate> | |
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| <media:title>Golden State dominates the list of least-affordable housing markets</media:title> | |
| <media:text type="html"><p data-block-key="92udf">If where you want to live doesn&#x27;t match what you can pay, you&#x27;re not alone. According to the real estate data collectors at <b>Black Knight</b> (NYSE:BKI), soaring prices and interest rates have home affordability at its lowest level in 30 years or more in 71 of the country&#x27;s 100 largest markets.</p><p data-block-key="7bslr">Black Knight says that nationwide, it now takes about 35% of median income to afford the payment and interest (P&amp;I) on the median home with 20% down and a 30-year mortgage. These 10 markets are way more expensive than that.</p><p data-block-key="3g6e4"></p><p data-block-key="115bl"><b>5 Stocks Under $49</b></p><p data-block-key="30vsn">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="3j3h2">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>1. Los Angeles</media:title> | |
| <media:text type="html"><p data-block-key="f95ml">The City of Angels is not so angelic in this regard: It takes 72.1% of the median income to cover the $1 million median home price in our nation&#x27;s second-largest market. Black Knight says that&#x27;s up from the 35.5% this measurement averaged back in 1995-2003, also the highest rate of growing affordability over that time.</p><p data-block-key="3k9lf"><a href="https://www.fool.com/the-ascent/mortgages/articles/home-sellers-are-dropping-their-prices-heres-how-you-can-take-advantage/">ALSO READ: Home Sellers Are Dropping Their Prices. Here&#x27;s How You Can Take Advantage</a></p></media:text> | |
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| <media:title>2. San Diego</media:title> | |
| <media:text type="html"><p data-block-key="f95ml">Black Knight says the payment-to-income ratio for a median-priced home in San Diego has shot up 30% since 1995-2003 and now stands at 64.2%. The median home price here is right at $900,000, according to the National Association of Realtors (NAR), and has risen 12.6% in the past year.</p></media:text> | |
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| <media:content type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Silicon_Valley_and_Green_Hills_at_Dusk_from_Mon.original.jpg"> | |
| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Silicon_Valley_and_Green_Hills_at_Du.4c2637ea.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>3. San Jose, California</media:title> | |
| <media:text type="html"><p data-block-key="u79tp">Silicon Valley is scenic but super expensive. The NAR pegs the median home price in the San Jose market at about $1.25 million, and Black Knight data says it takes 61.3% of the median household income to make that mortgage. That&#x27;s 27 percentage points higher than the 34% ratio recorded as the average in this market from 1995 to 2003.</p><p data-block-key="3fsqf"><a href="https://www.fool.com/the-ascent/mortgages/is-2021-a-good-time-to-buy-a-home/">ALSO READ: Is 2022 a Good Time to Buy a Home?</a></p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/California.d474ce69.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>4. San Francisco</media:title> | |
| <media:text type="html"><p data-block-key="u79tp">The City by the Bay is even pricier. The median home price in San Francisco stands at about $1.3 million, up about 3% from a year ago. Black Knight data says affordability has fallen by 27 percentage points since 1995-2003, putting the current payment-to-income ratio at 56.7% compared with 35% back then.</p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/welcome_to_Las_Vegas_sign_GettyImage.3184e62e.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>5. Las Vegas</media:title> | |
| <media:text type="html"><p data-block-key="u79tp">It&#x27;s cheaper to buy in Las Vegas -- the NAR pegs the median home price at $450,000 -- but this service industry-driven economy provides a median income that, together with that price tag, yields a payment-to-income ratio of 54.1%, the fifth-highest among the country&#x27;s major markets.</p><p data-block-key="571ov"><b>5 Stocks Under $49</b><br/>Presented by <i>Motley Fool Stock Advisor</i><br/>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>6. Miami</media:title> | |
| <media:text type="html"><p data-block-key="3u4r0">Miami is hot, hot, hot. The median home price here, according to the most recent NAR data, was $590,000 -- up a full 25% from just last year. Black Knight says it takes 50.4% of the median household income to cover that payment, 26 percentage points more than in 1995-2003.</p><p data-block-key="6sqt4"><a href="https://www.fool.com/real-estate/2022/06/14/is-the-great-housing-market-deceleration-finally-h/">ALSO READ: Is the Great Housing Market Deceleration Here?</a></p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Newark_New_Jersey_homes.d3d93e27.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>7. New York-Newark</media:title> | |
| <media:text type="html"><p data-block-key="3u4r0">It can take big bucks to live in the Big Apple. The NAR says the median price in Manhattan is about $1.5 million. Meanwhile, make that $360,000 just across the Hudson. The New York City-Newark market studied by Black Knight has a payment-to-income ratio of 48.7%, compared with 28.1% in 1995-2003.</p></media:text> | |
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| <media:title>8. Riverside, California</media:title> | |
| <media:text type="html"><p data-block-key="3u4r0">The big Riverside market in Southern California had a median listing price, per the NAR, of $615,000 in September, up 6.8% since last year at this time. Black Knight puts the payment-to-income ratio at 47.4%, up 22.1 percentage points from the 25.7% this metric averaged in this market from 1995 to 2003.</p><p data-block-key="bnl72"><a href="https://www.fool.com/real-estate/2022/07/16/should-you-invest-in-real-estate-now-or-wait/">ALSO READ: Should You Invest in Real Estate Now or Wait?</a></p></media:text> | |
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| <media:title>9. Seattle, Washington</media:title> | |
| <media:text type="html"><p data-block-key="dvjrz">The median home price in Seattle rose 13.5% year over year in September, and that $850,000 typical price tag generates a payment-to-income ratio of 47.4%, Black Knight says. Back in 1995-2003, the average was a much more manageable 27.2%.</p></media:text> | |
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| <media:title>10. Sacramento</media:title> | |
| <media:text type="html"><p data-block-key="dvjrz">The median home price of $468,000 in California&#x27;s capital city is less than half of the pricier places in the Golden State. That makes it a tempting target for folks who might be fleeing, say, the nearby Bay Area market. However, the Sacramento market still commands 46.1% of the median income to buy a house here, placing it in the top 10 of this list of the least-affordable major markets in the country.</p><p data-block-key="4g0p1"><b>5 Stocks Under $49</b><br/>Presented by <i>Motley Fool Stock Advisor</i><br/>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>Price hikes are slowing, but interest rate hikes aren't -- but there are other places to consider</media:title> | |
| <media:text type="html"><p data-block-key="dvjrz">Nationally, home prices have quit rising so fast and may be falling already in some places. Interest rates, however, remain high. Prospective homebuyers have options other than these high-dollar markets we just listed. Check out <a href="https://www.fool.com/slideshow/15-of-the-most-affordable-housing-markets-in-the-country/">15 of the Most Affordable Housing Markets in the Country</a>.</p><p data-block-key="790b4"><a href="https://boards.fool.com/profile/TMFColaBuckeye/info.aspx"><i>Marc Rapport</i></a><i> has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a</i> <a href="https://www.fool.com/legal/fool-disclosure-policy/"><i>disclosure policy</i></a><i>.</i></p></media:text> | |
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| <title>15 Signs You Are on Track to Be a Rich Retiree</title> | |
| <link>https://www.fool.com/slideshow/15-signs-you-are-on-track-to-be-a-rich-retiree/</link> | |
| <description>Making these smart moves should help you retire with plenty of money in the bank.</description> | |
| <pubDate>Sat, 29 Oct 2022 07:00:20 -0400</pubDate> | |
| <guid>a844935e-c1f6-4df1-b9b2-5ca32d4339d4</guid> | |
| <author>Christy Bieber</author> | |
| <lastBuildDate>Sat, 29 Oct 2022 07:00:20 -0400</lastBuildDate> | |
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| <media:title>Making the right financial moves can help you retire wealthy</media:title> | |
| <media:text type="html"><p data-block-key="ooo1z">Retiring with plenty of money in the bank can enable you to enjoy your later years. But to do that, you&#x27;ll need to make some smart financial decisions throughout your life.</p><p data-block-key="f5149">Not sure if you&#x27;re on the right track? Be on the lookout for these 15 signs that you&#x27;re likely going to end up a wealthy senior.</p><p data-block-key="5qp4h"><br/><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I’d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>1. You started saving for retirement early</media:title> | |
| <media:text type="html"><p data-block-key="iyb0z">If you start to save money at a young age, you won&#x27;t need to invest as much over time to retire rich. The money you have will earn returns that can be reinvested.</p><p data-block-key="4v9kn">This is called compound growth, and it enables you to grow your wealth without as much effort on your part -- especially if you start investing when you&#x27;re very young and have many years for compounding to work for you.</p><p data-block-key="1vgsh"></p><p data-block-key="ae2ch"><a href="https://www.fool.com/retirement/2018/07/10/compound-interest-and-compounding-growth-a-compreh.aspx">ALSO READ: Compound Interest and Compounding Growth: A Comprehensive Guide</a></p></media:text> | |
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| <media:title>2. You've automated your savings</media:title> | |
| <media:text type="html"><p data-block-key="f9t2x">If you make retirement account contributions automatic, you&#x27;re more likely to end up with plenty of money as a senior. That&#x27;s because the status quo will be investing for retirement and you aren&#x27;t likely to change things once you have your contributions set up.</p><p data-block-key="cl00q">It&#x27;s much easier to make the right decision once and then have your savings on autopilot rather than to continually force yourself to be responsible and invest every month.</p></media:text> | |
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| <media:title>3. You set specific savings goals</media:title> | |
| <media:text type="html"><p data-block-key="l39px">If you know what your savings goal is, you are much more likely to achieve your objective.</p><p data-block-key="9l9o3">Knowing how much you want in the bank by the time you retire enables you to calculate what amount you must set aside each month. You can also monitor whether you&#x27;re on track and can change course if you aren&#x27;t.</p><p data-block-key="5gel7"></p><p data-block-key="ac2kl"><a href="https://www.fool.com/retirement/2022/06/29/2-easy-ways-to-set-retirement-savings-goals-you-ca/">ALSO READ: 2 Easy Ways to Set Retirement Savings Goals</a></p></media:text> | |
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| <media:title>4. You're regularly saving more than 10% of your income</media:title> | |
| <media:text type="html"><p data-block-key="b2cd5">Traditionally, most experts said you&#x27;d be on track for retirement if you saved 10% of your income. But this may no longer be the case due to several factors including the fact people are living longer.</p><p data-block-key="7ap8c">However, if you regularly invest <i>more</i> than 10% -- like 15% or 20% or an even higher amount -- this is a good sign. It suggests you&#x27;re likely putting aside enough to build the nest egg you need to be a wealthy retiree.</p></media:text> | |
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| <media:title>5. You considered the impact of inflation</media:title> | |
| <media:text type="html"><p data-block-key="jzxqz">Often, future retirees make a mistake when estimating how much they need saved for retirement. They see an amount that seems big, like $1 million, and think that will be enough.</p><p data-block-key="3878u">The problem is, they forget to take inflation into account. A million dollars 20 or 30 years from now won&#x27;t buy nearly what it would today. It would not be enough to make you wealthy if you&#x27;re retiring far in the future.</p><p data-block-key="7uhlg">If you want to make sure you&#x27;re on track to be rich in your later years, you need to think about inflation when deciding how much to invest.</p><p data-block-key="aitob"></p><p data-block-key="6ucb5"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I’d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>6. You're taking full advantage of your employer match</media:title> | |
| <media:text type="html"><p data-block-key="vy3c1">If your employer offers a 401(k) match, you want to contribute enough to earn every dollar.</p><p data-block-key="a4cfr">A 401(k) match is free money that helps your nest egg to grow. Maxing out your match is one of the easiest ways to set yourself up to become a wealthy retiree, since doing so enables your company to help as much as possible in saving for your future.</p><p data-block-key="42j04"><br/><a id="2905" linktype="page">ALSO READ: How to Get the Most Out of Your 401(k) Company Match</a></p></media:text> | |
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| <media:title>7. You're claiming all the available tax breaks for retirement savings</media:title> | |
| <media:text type="html"><p data-block-key="obbki">The government helps you save for retirement by providing tax advantages for retirement investing. If you&#x27;re on track to become rich as a senior, you&#x27;re likely taking advantage of these opportunities.</p><p data-block-key="985oc">You should be doing all you can to max out your 401(k), IRA, and health savings account if you are eligible to make contributions to these accounts. If you can qualify, you should also claim the full Saver&#x27;s Credit each year.</p></media:text> | |
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| <media:title>8. You've built a diversified portfolio</media:title> | |
| <media:text type="html"><p data-block-key="zqfma">You likely are not going to become a wealthy retiree if you are just <i>saving</i> your money. You need to invest it so you can earn the type of returns necessary for the money to grow.</p><p data-block-key="4s9n8">You should make sure to spread your money around a mix of different kinds of investments to reduce your risk and maximize the chances of earning a good return on investment that will set you up for riches in your later years.</p><p data-block-key="48sg2"></p><p data-block-key="dgmf1"><a id="2729" linktype="page">ALSO READ: Understanding Portfolio Diversification</a></p></media:text> | |
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| <media:title>9. You are exposed to an appropriate level of risk</media:title> | |
| <media:text type="html"><p data-block-key="qtfdj">If you&#x27;ve considered your risk tolerance, that&#x27;s a good sign that you&#x27;re likely going to end up with plenty of money by retirement age. Thinking about how much risk you should be exposed to, given your age and investing timeline, will help you to make smart decisions about where to put your retirement funds.</p></media:text> | |
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| <media:title>10. You have a plan for covering healthcare as a senior</media:title> | |
| <media:text type="html"><p data-block-key="szp61">Healthcare costs can drain the nest egg of most retirees very quickly -- even if they think they have plenty of money in the bank. That&#x27;s because Medicare does not cover everything many seniors expect it to and out-of-pocket costs can add up to tens of thousands of dollars.</p><p data-block-key="2mjo9">If you want to be rich, and stay rich, as a senior, you&#x27;ll need dedicated savings for healthcare and will need to make a plan to find the right type of comprehensive insurance coverage.</p><p data-block-key="auhjr"></p><p data-block-key="6tnoj"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I’d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>11. You're careful about how much debt you take on</media:title> | |
| <media:text type="html"><p data-block-key="qktbe">Debt can make it harder for you to end up rich as a senior. Every dollar you are paying in interest is a dollar that you can&#x27;t devote to retirement savings. Bringing debt with you into retirement can also chip away at your income.</p><p data-block-key="84d15">This doesn&#x27;t mean you should never borrow. Some types of loans, such as mortgages, can help you grow your net worth. But you need to be smart about when you take out loans and how much interest you pay over your lifetime.</p><p data-block-key="ep3jk"></p><p data-block-key="3vrnv"><a href="https://www.fool.com/investing/2022/07/21/i-have-a-lot-of-debt-can-i-still-retire-on-time/">ALSO READ: I Have a Lot of Debt: Can I Still Retire on Time?</a></p></media:text> | |
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| <media:title>12. You don't spend above your means</media:title> | |
| <media:text type="html"><p data-block-key="9z79c">If you are spending more than you earn, you can&#x27;t get rich no matter how much money you make.</p><p data-block-key="ah3un">But if you are frugal and you end up with a lot of money left over after covering your costs, this can help you to become rich as a senior. You can pocket the extra money you have after covering the essentials (and fun spending) and use it to grow your retirement account balance.</p></media:text> | |
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| <media:title>13. You aren't being unrealistic about your retirement age</media:title> | |
| <media:text type="html"><p data-block-key="1l9qe">If you plan to retire at a very young age, it&#x27;s going to be harder for you to be rich as a senior. You&#x27;ll have so many years for your savings to support you, even a large savings account balance will dwindle if you aren&#x27;t careful about your spending.</p><p data-block-key="9504n">On the other hand, if you assume you&#x27;ll have time to save because you&#x27;ll be working until you are 70, you could get hit hard if you&#x27;re forced to retire early.</p><p data-block-key="627sg">Setting a realistic target will enable you to save enough to be ready when you have to stop working -- and to actually feel wealthy since you&#x27;ll be able to spend plenty if you aren&#x27;t trying to make your nest egg last for many decades.</p><p data-block-key="b46ml"></p><p data-block-key="atdob"><a href="https://www.fool.com/investing/2022/09/20/seniors-regret-retiring-too-early/">ALSO READ: 15% of Seniors Regret Retiring Too Early -- Here Are 3 of Their Top Reasons Why</a></p></media:text> | |
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| <media:title>14. You don't plan to rely too much on Social Security</media:title> | |
| <media:text type="html"><p data-block-key="j2vki">If you think Social Security is going to be a key part of your retirement strategy, this is a red flag that suggests you are <i>not</i> going to be wealthy. That&#x27;s because Social Security only replaces 40% of pre-retirement income and thus leaves you little to live on.</p><p data-block-key="8qblk">But if you have a realistic idea of the role Social Security will play in retirement and are saving plenty to supplement it, this is a good sign your plans will leave you rich as a retiree.</p></media:text> | |
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| <media:title>15. You're leaving your retirement money invested for the long term</media:title> | |
| <media:text type="html"><p data-block-key="tt3t4">Finally, if you are leaving your retirement money alone until you need it as a senior, that&#x27;s a great sign you are on the path to financial success.</p><p data-block-key="f6dfp">Borrowing against your 401(k), cashing in your 401(k) or IRA, or selling investments regularly and day trading in your retirement plan can all be recipes for disaster. Avoiding these undesirable behaviors gives your money the chance to grow and make you rich.</p><p data-block-key="98v5t"></p><p data-block-key="6q7ns"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I’d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>Are you on the path to riches as a senior?</media:title> | |
| <media:text type="html"><p data-block-key="7e714">Now you know 15 signs that suggest you&#x27;re on track to be a rich retiree. If you spot most of them, then you&#x27;re on the right path. If you don&#x27;t, it may be time to take another look at how you&#x27;re preparing for your future.</p><p data-block-key="enlol"></p><p data-block-key="c1q1b"><i>The Motley Fool has a</i> <a href="http://www.fool.com/Legal/fool-disclosure-policy.aspx"><i>disclosure policy</i></a><i>.</i></p></media:text> | |
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| <title>15 Most Common Misconceptions About Investing in the Stock Market</title> | |
| <link>https://www.fool.com/slideshow/15-most-common-misconceptions-about-investing-in-the-stock-market/</link> | |
| <description>Don't let these mistakes hold you back.</description> | |
| <pubDate>Fri, 28 Oct 2022 07:00:22 -0400</pubDate> | |
| <guid>763645c5-8790-45df-b185-0548776f0da4</guid> | |
| <author>Rachel Warren</author> | |
| <lastBuildDate>Fri, 28 Oct 2022 07:00:22 -0400</lastBuildDate> | |
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| <media:title>It isn't always easy to be a long-term investor, but it is worth it</media:title> | |
| <media:text type="html"><p data-block-key="d1vxe">Thinking about <a href="https://www.fool.com/investing/how-to-invest/stocks/">investing in the stock market</a> right now but aren&#x27;t sure it&#x27;s the right place to put your cash to work? Prolonged market volatility has made some investors skittish -- but for forward-thinking, long-term investors, there&#x27;s never been a better time to make <a href="https://www.fool.com/investing/2022/09/18/3-once-in-a-generation-buys-in-nasdaq-bear-market/">wise investments</a> in companies that have staying power and can generate profits for years to come.</p><p data-block-key="2sql1">Here are the 15 most common misconceptions about investing in the stock market, busted.</p><p data-block-key="bodgr"></p><p data-block-key="3kqa0"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>1. Investing is a rich person's game</media:title> | |
| <media:text type="html"><p data-block-key="d1vxe">One of the most common myths about investing in the stock market is that you need to have a lot of money to start and keep building a portfolio. This simply isn&#x27;t true.</p><p data-block-key="eag1n">Retail investors of today have a virtually endless array of possibilities to <a href="https://www.fool.com/investing/how-to-invest/">put their money to work</a> in the way that is best for them, their risk tolerance, and the capital they are able and willing to invest.</p><p data-block-key="dfdvm"></p><p data-block-key="bt86k"><a href="https://www.fool.com/investing/2022/09/16/prediction-these-stocks-could-lead-market-recovery/">ALSO READ: Prediction: These 3 Stocks Could Lead the Market Recovery</a></p></media:text> | |
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| <media:title>2. Timing the market is how you become a successful investor</media:title> | |
| <media:text type="html"><p data-block-key="d1vxe">An effective investing strategy shouldn&#x27;t look anything like gambling, but it&#x27;s a common misconception that to be a successful investor you need to approach the stock market in this way.</p><p data-block-key="fk5ml">In fact, a sustainable investing strategy that helps you build a profitable portfolio should be the exact opposite of this. Investing doesn&#x27;t need to be a complicated game of chance.</p><p data-block-key="5d8an">When you build your portfolio around businesses that are profitable (or approaching profitability) and cash rich with multiple growth pathways and strong leadership, you can build wealth over time without the need for risky -- and often ineffective -- market-timing strategies.</p><p data-block-key="feg8d">Investing this way requires patience and a certain amount of time to put toward learning about the businesses and industries you want to invest in. But over the long run, it&#x27;s far more sustainable than trying to build wealth by guessing what the market may or may not do.</p></media:text> | |
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| <media:title>3. Investing in the stock market is always a high-stakes venture</media:title> | |
| <media:text type="html"><p data-block-key="d1vxe">It’s true that no investment is entirely without risk. However, the level of risk you take on as an investor is something you can mitigate to a certain extent and should be baked into your overall investing strategy.</p><p data-block-key="8kne1">Bottom line: You don&#x27;t need to invest in highly risky or volatile companies in order to sustain portfolio profits and compound your returns over time.</p><p data-block-key="98gjv"></p><p data-block-key="ctoae"><a href="https://www.fool.com/investing/2022/09/15/buy-stocks-now-or-wait-warren-buffett-advice/">ALSO READ: Should You Buy Stocks Now or Wait? Here&#x27;s Warren Buffett&#x27;s Advice</a></p></media:text> | |
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| <media:title>4. You should avoid the market during turbulent periods</media:title> | |
| <media:text type="html"><p data-block-key="d1vxe">It&#x27;s certainly not easy to be an investor when the market is going through a rough patch, but that doesn&#x27;t mean you should avoid investing during these periods. When the market is going through a downturn, pulling up stakes and closing out your portfolio could actually hurt rather than help you financially, not to mention result in you sustaining serious and lasting financial losses.</p><p data-block-key="7j9qu">Ideally, you should be investing during both turbulent and flourishing periods in the market so you can enjoy the advantages of both, which is getting stocks on sale and watching them grow with time.</p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/4_padlock_securing_bundle_of_cash.cd91f5f0.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>5. You should put all your spare cash into stocks</media:title> | |
| <media:text type="html"><p data-block-key="d1vxe">While you should try to invest as consistently as you can, even if it&#x27;s just a small amount of money each month, you should never put your entire cash position into your portfolio.</p><p data-block-key="fq99t">It&#x27;s always wise to have savings, including your emergency stash, completely outside your portfolio. That way you can access it immediately if need be without any impact to your investments.</p><p data-block-key="62klm"></p><p data-block-key="6qpf0"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>6. You need to have tons of time on hand to build a profitable portfolio</media:title> | |
| <media:text type="html"><p data-block-key="d1vxe">While you will need to dedicate a certain amount of time to learn about the investments you choose for your portfolio and staying up-to-date with developments that impact these holdings (such as financial reports, company announcements that affect the business, and leadership changes), you can invest in the way that works best for you and your schedule.</p><p data-block-key="1eh6g">For some investors, this means focusing on pooled investment opportunities like <a id="999" linktype="page">mutual funds</a>, <a href="https://www.fool.com/investing/how-to-invest/index-funds/">index funds</a>, or <a href="https://www.fool.com/investing/how-to-invest/etfs/">exchange-traded funds</a>, which allow you to diversify into a variety of companies and sectors in a fund overseen by portfolio managers. Other investors prefer investing in individual stocks, or a combination of different asset classes.</p><p data-block-key="8lebf">The moral of the story here is that you can build your portfolio in the way that makes the most sense for you, your financial goals, and the time you have available to dedicate to your portfolio. Some investors like to add to their portfolio every week, while others prefer to do so every month or invest in bulk once a quarter.</p><p data-block-key="8js7h">Whatever your preferred style of investing or capital allocation, making regular additions to your portfolio and holding onto quality investments in both good times and bad are what count with the passage of time.</p><p data-block-key="8igs5"></p><p data-block-key="dlltg"><a href="https://www.fool.com/investing/2022/09/16/3-stock-split-stocks-set-to-soar-33-to-133-accordi/">ALSO READ: 3 Stock-Split Stocks Set to Soar 33% to 133%, According to Wall Street</a></p></media:text> | |
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| <media:title>7. If a stock goes down, you've made a bad investment</media:title> | |
| <media:text type="html"><p data-block-key="d1vxe">While it&#x27;s easy to view a declining share price of a company you own or follow and translate that into a negative overall attitude about the underlying stock, there&#x27;s far more that&#x27;s needed to separate a good from a bad investment than price fluctuations alone.</p><p data-block-key="o5oc">Certainly, a consistent decline in share price may be warranted, such as when an announcement from management or business development occurs that has investors worried about the company&#x27;s future.</p><p data-block-key="10p9s">At the same time, particularly in the current environment, a company may simply see share prices fall in trending with the broader market, industry-specific factors, or as a result of shifting investor sentiment during a particularly volatile period, which doesn&#x27;t necessarily undermine the quality of the underlying business.</p></media:text> | |
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| <media:title>8. A bear market is an investor's worst enemy</media:title> | |
| <media:text type="html"><p data-block-key="d1vxe">Bear markets tend to unnerve even the most experienced of investors. If you&#x27;re invested in the stock market for decades, it&#x27;s inevitable that you will encounter a bear market (or several).</p><p data-block-key="e8p14">Use it as a window to invest in more of the companies you love at lower prices, or sit tight and wait it out, but don&#x27;t see bear markets as your signal to cash out.</p><p data-block-key="78bm1"></p><p data-block-key="edp1g"><a href="https://www.fool.com/investing/2022/09/16/3-high-growth-stocks-buy-nasdaq-falls/">ALSO READ: 3 High-Growth Stocks to Buy if the Nasdaq Falls Again</a></p></media:text> | |
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| <media:title>9. You need a lot of cash to start your portfolio</media:title> | |
| <media:text type="html"><p data-block-key="d1vxe">While more capital means you might be able to grow your portfolio faster, you can start investing with whatever amount you feel comfortable with or have available to put into a portfolio.</p><p data-block-key="6b5qb">Most brokerage accounts will allow you to purchase fractional shares of stocks. This means you could even invest in massive companies with otherwise unattainable share prices for as little as .001% of a share.</p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Slide_5-_ShopSavvy-_Buy_now_button.1b7241cf.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>10. If shares of a stock are up, it's a good investment</media:title> | |
| <media:text type="html"><p data-block-key="d1vxe">Just like a falling share price doesn&#x27;t always spell long-term disaster for a company, a sudden boost in share price of a stock you like doesn&#x27;t always mean you should drop everything and press the buy button. Never use share price movements alone as a reason to either take a position in or cash out of a stock.</p><p data-block-key="bpkq4">Always carefully evaluate the factors behind these movements. Consider whether it changes or supports your investment thesis about the stock in question before you make a decision one way or the other.</p><p data-block-key="bjko4"></p><p data-block-key="6kt8l"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>11. You can buy stocks and forget about them</media:title> | |
| <media:text type="html"><p data-block-key="d1vxe">While you don&#x27;t need to treat investing in your portfolio like a second full-time job, that doesn&#x27;t mean you should buy stocks and never look at them again. It&#x27;s important to view any investment you make with the mindset of of being a part owner of it.</p><p data-block-key="cpnns">As part owner, you want to stay informed about the company&#x27;s <a href="https://www.fool.com/investing/2022/04/05/how-to-understand-financial-statements/">financial statements</a>, key business updates, management, and other details that will affect the asset you&#x27;ve put your hard-earned money into.</p><p data-block-key="25po5"></p><p data-block-key="cbgfq"><a href="https://www.fool.com/investing/2022/09/15/warren-buffett-just-bought-lots-of-stocks-heres-th/">ALSO READ: Warren Buffett Just Bought Lots of Stocks -- Here&#x27;s the One I&#x27;m Most Bullish On</a></p></media:text> | |
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| <media:title>12. You don't need to study the underlying business of a stock before you invest</media:title> | |
| <media:text type="html"><p data-block-key="d1vxe">You will save yourself so much time and trouble later on by taking care that you thoroughly review and understand any investment before you put money into it. For instance, closer scrutiny of a company may reveal deficiencies that don&#x27;t align with your personal risk tolerance, or even details that lead you to pursue a more prudent use of your investment capital.</p><p data-block-key="4s8vi">When you not only know but understand all the companies you own, and know and understand them well, you can better keep your portfolio aligned with your financial goals and work toward the returns you desire.</p></media:text> | |
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| <media:title>13. Individual stocks are the only way to build a winning portfolio</media:title> | |
| <media:text type="html"><p data-block-key="d1vxe">Don&#x27;t get me wrong: Investing in individual stocks is a wonderful and incredibly effective way to build lasting wealth. However, there are plenty of other exciting investment opportunities outside of individual stocks for investors to consider as well, including <a href="https://www.fool.com/investing/2022/09/19/only-make-1-investment-for-life/">funds</a>, <a href="https://www.fool.com/investing/how-to-invest/bonds/">bonds</a>, and <a href="https://www.fool.com/investing/stock-market/market-sectors/real-estate-investing/">real estate</a>, to name a few other examples.</p><p data-block-key="863ci">Diversifying your money into a variety of assets including stocks and other investment vehicles can help you build and maintain a robust and profitable portfolio that serves you well over many years.</p><p data-block-key="d4k46"></p><p data-block-key="9gl6a"><a href="https://www.fool.com/investing/2022/09/13/2-index-funds-make-you-a-stock-market-millionaire/">ALSO READ: 2 Index Funds That Could Make You a Stock Market Millionaire</a></p></media:text> | |
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| <media:title>14. You should only "buy low and sell high"</media:title> | |
| <media:text type="html"><p data-block-key="d1vxe">You remember that old adage. The idea behind it is a logical one to a certain extent -- getting stocks when they&#x27;re on sale or trading undervalued and selling them much later for a profit. Of course, it always feels good to buy a great company at a bargain -- there are <a href="https://www.fool.com/investing/2022/09/20/2-top-bargain-stocks-ready-for-a-bull-run/">many opportunities</a> to do so in the current market. And naturally, no one wants to sell at a loss.</p><p data-block-key="an7hv">Still, there&#x27;s a danger to letting the &quot;buy low and sell high&quot; mantra be the primary guiding philosophy around which you build your portfolio. For one, while a stock may be trading cheap because of a reason not tied to the business at all, it could also be trading at a discount for a very valid reason. Investing in a stock purely because it&#x27;s trading down and you hope to sell it at a profit later isn&#x27;t a very achievable (or even profitable) way to build your portfolio.</p><p data-block-key="ctdum">Let&#x27;s say you buy a great stock when it&#x27;s down and it eventually goes up. Does that really mean you want to hit the sell button on a quality company you could potentially generate portfolio returns from for many years to come? The idea of &quot;buy low and sell high&quot; sounds great, and it&#x27;s certainly the goal of most long-term investors, but <i>it shouldn’t be your sole purpose</i> when you invest. Otherwise, you might end up trying to time the bottom or the zenith of a stock, and forfeit both.</p><p data-block-key="alt8v">On the other hand, having a buy-and-hold philosophy -- namely, investing in great companies, and holding onto them for years to reap the rewards of compounded returns many times over -- is a much more attainable and sustainable way to grow your portfolio over time.</p></media:text> | |
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| <media:title>15. The stock market is predictable</media:title> | |
| <media:text type="html"><p data-block-key="d1vxe">Although the stock market does have a habit of repeating itself, it&#x27;s not wholly predictable. If anything, recent market events have reiterated that fact. While you can&#x27;t predict the stock market, you can regulate your approach to it and keep building your portfolio on a continual basis.</p><p data-block-key="85hka">Try to be just as regular about your investing habits when the market is down as when it&#x27;s up, and you will have the advantage over many other investors who are still trying to time the market, or even staying away from investing altogether.</p><p data-block-key="11tae"></p><p data-block-key="8hhmi"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>How to invest in the market now</media:title> | |
| <media:text type="html"><p data-block-key="d1vxe">Many investors are worried about what the coming months could mean for the stock market. It is just as full of opportunity for long-term investors as ever, but that doesn&#x27;t mean prudence isn&#x27;t warranted.</p><p data-block-key="bn42o">Make sure you&#x27;re regularly aligning the balance of your portfolio so that it conforms with your ability to handle your preferred level of risk right now.</p><p data-block-key="e4ln0">Take a measured and judicious approach to building your portfolio. Keep investing in a diverse group of companies that are quality investments you can be confident about keeping your money in for years.</p><p data-block-key="357jv"></p><p data-block-key="a9f78"><i>The Motley Fool has a</i> <a href="http://www.fool.com/Legal/fool-disclosure-policy.aspx"><i>disclosure policy</i></a><i>.</i></p></media:text> | |
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| <title>15 Signs the Home You Are Buying Isn't Worth Its Price</title> | |
| <link>https://www.fool.com/slideshow/15-signs-the-home-you-are-buying-isnt-worth-its-price/</link> | |
| <description>Don't overpay for a home -- watch for these signs.</description> | |
| <pubDate>Thu, 27 Oct 2022 10:10:12 -0400</pubDate> | |
| <guid>678c0b76-7810-4234-b57b-0f71921bb563</guid> | |
| <author>Christy Bieber</author> | |
| <lastBuildDate>Thu, 27 Oct 2022 10:10:12 -0400</lastBuildDate> | |
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| <media:title>Overpaying for a house is a bad financial choice</media:title> | |
| <media:text type="html"><p data-block-key="4yygt">Buying a house is a major financial decision, so you want to be absolutely sure you make wise choices. Specifically, it&#x27;s important to avoid paying more than the house is worth.</p><p data-block-key="dv8bf">Purchasing a home for more than it&#x27;s worth will make it hard to sell the property or refinance your loan later. And you&#x27;ll have to hope the property appreciates before you sell so you don&#x27;t lose money on the deal.</p><p data-block-key="b5ss8">But how can you make sure you don&#x27;t overpay? Watch out for these 15 signs that suggest the home you are buying may not justify its price.</p><p data-block-key="83fu3"></p><p data-block-key="3pi8"><b>5 Stocks Under $49</b></p><p data-block-key="begge">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="7pvr3">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>1. It's been on the market for a long time</media:title> | |
| <media:text type="html"><p data-block-key="7igkz">It&#x27;s common for homes to sell within a few weeks of being listed or even a few days in hot markets. When a home has been sitting on the market for a long time, it usually indicates a problem -- and often, the issue is that it&#x27;s priced too high. You don&#x27;t want to be the buyer who ends up paying that inflated price.</p><p data-block-key="5v4t4"><a href="https://www.fool.com/real-estate/2022/08/02/3-housing-market-trends-to-watch-this-month/">ALSO READ: 3 Housing Market Trends to Watch This Month</a></p></media:text> | |
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| <media:title>2. It's been in and out of pending repeatedly</media:title> | |
| <media:text type="html"><p data-block-key="3dxq3">When a seller accepts an offer, the home goes into pending status; if it falls through, it reverts to active. When this happens, it often means there is a big issue.</p><p data-block-key="df8fe">Whether that&#x27;s an inspection problem, the home not appraising for what was offered, or something else entirely, this is a red flag that the house might not be worth its asking price.</p></media:text> | |
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| <media:title>3. Comparable homes priced similarly didn't sell</media:title> | |
| <media:text type="html"><p data-block-key="jk24t">If houses priced similarly aren&#x27;t selling, there&#x27;s a good reason. It probably means they are <i>all</i> overpriced. You can check out similar listings on the multiple listing service (MLS) to determine whether buyers are passing them up because of the inflated costs.</p><p data-block-key="44ia"><a id="1879" linktype="page">ALSO READ: How to Start Investing in Real Estate: The Basics</a></p></media:text> | |
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| <media:title>4. It's priced higher than other properties in the neighborhood</media:title> | |
| <media:text type="html"><p data-block-key="kz2zw">You don&#x27;t want to buy the most expensive house in the neighborhood. Even if the house itself has some added features to justify the cost, you won&#x27;t see your property value rise as quickly. So check out what similar homes nearby have sold for, and if the one you are interested in is not in line with their prices, walk away.</p></media:text> | |
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| <media:title>5. It's priced higher than other properties with similar features</media:title> | |
| <media:text type="html"><p data-block-key="cvvkh">Viewing home listings online makes it much easier to determine whether a home you are interested in is priced reasonably. You can search online databases for similar homes in similar neighborhoods.</p><p data-block-key="bakek">Compare the features and prices to get a good idea of whether you are paying what a home is worth.</p><p data-block-key="ak6r7">If homes with similar features tend to sell for less, it&#x27;s a good indicator you&#x27;re at risk of overpaying for the one you&#x27;re interested in.</p><p data-block-key="2c723"></p><p data-block-key="1tac1"><b>5 Stocks Under $49</b></p><p data-block-key="fnoc9">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="pru1">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>6. The sellers bought it recently for a lot less</media:title> | |
| <media:text type="html"><p data-block-key="6p8s9">It&#x27;s usually a bad sign if the sellers recently bought a house and are relisting it for much more than they paid. They could be house flippers hoping to make a quick profit. But that could mean they did quick, shoddy cosmetic upgrades that don&#x27;t actually justify the big cost increase.</p><p data-block-key="2crrv"><a id="3258" linktype="page">ALSO READ: The House Flipping Statistics Investors Should Know in 2022</a></p></media:text> | |
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| <media:title>7. The house has major flaws</media:title> | |
| <media:text type="html"><p data-block-key="c4w2o">It could be a major sign that the house isn&#x27;t worth its cost if you discover big problems during the inspection. You would have to pay to fix these issues upon moving in, which adds a lot to the final price tag. Consider walking away if the seller isn&#x27;t willing to make the repairs or drop the price.</p></media:text> | |
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| <media:title>8. The price per square foot is very high</media:title> | |
| <media:text type="html"><p data-block-key="70qzj">You can determine how much a home costs per square foot by dividing the price you&#x27;re paying by the total square footage. You can then compare this number with other similar properties.</p><p data-block-key="5s4pd">Square footage is usually a huge factor in determining what a home is worth. If your house is priced highly based on size, you may be paying more than you should. Other features the home offers may not justify this inflated cost if the home simply is not large enough to justify it.</p><p data-block-key="13i2d"><a href="https://www.fool.com/investing/2022/08/18/whats-going-on-in-the-housing-market/">ALSO READ: What&#x27;s Going On in the Housing Market?</a></p></media:text> | |
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| <media:title>9. It's priced higher than most online estimates</media:title> | |
| <media:text type="html"><p data-block-key="4dz9d">Many online websites estimate a home&#x27;s worth. While these aren&#x27;t always exact, the algorithm used to determine what a property should cost is fairly accurate. You can use these numbers to at least get a ballpark figure.</p><p data-block-key="l20o">If the price you&#x27;re thinking about paying far exceeds the online estimates, you are probably getting a pretty bad deal.</p></media:text> | |
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| <media:title>10. It's in a bad school district</media:title> | |
| <media:text type="html"><p data-block-key="g15mm">School districts generally have a huge impact on property value. It&#x27;s important to pay attention to the district&#x27;s reputation, even if you don&#x27;t have kids. In many places, paying a lot for a house in an area with poor schools is not worth it, even if the home seems nice otherwise.</p><p data-block-key="74pdu"></p><p data-block-key="7qpaj"><b>5 Stocks Under $49</b></p><p data-block-key="amrqq">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="3gijr">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>11. It's in a dangerous area</media:title> | |
| <media:text type="html"><p data-block-key="49nz0">A neighborhood with lots of crime will negatively impact property values. You don&#x27;t want to pay a high price for a home -- even if the house itself seems nice -- if the area has a reputation for unlawful activity. Not only will it be hard to sell, but you could also end up worrying every time you leave the home, which just isn&#x27;t worth it.</p><p data-block-key="2bdmj"><a href="https://www.fool.com/the-ascent/personal-finance/articles/the-10-worst-places-to-buy-a-home-in-2022/">ALSO READ: The 10 Worst Places to Buy a Home in 2022</a></p></media:text> | |
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| <media:title>12. The neighborhood is in a downward trend</media:title> | |
| <media:text type="html"><p data-block-key="l6hpk">If property values in an area are falling, you could end up paying more than you should if you buy a house in that location. You can usually get a good idea of whether a neighborhood is on the decline by looking at foreclosures, boarded-up buildings, vacancies, recent sales, and stores and amenities closing.</p></media:text> | |
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| <media:title>13. Your appraisal comes in too low</media:title> | |
| <media:text type="html"><p data-block-key="gi6ma">Your mortgage lender will typically require you to get the home appraised before you can close on a loan. An appraiser will provide a professional evaluation of your home&#x27;s worth.</p><p data-block-key="5vuu1">If the appraisal shows it is worth less than you are paying, it&#x27;s a huge red flag you can&#x27;t ignore -- especially since your lender won&#x27;t ignore it. You&#x27;ll likely want to walk away or negotiate a lower offer. Otherwise, you&#x27;d probably need to bring more cash to the table to move forward.</p><p data-block-key="4q420"><a href="https://www.fool.com/the-ascent/mortgages/home-appraisals/">ALSO READ: Home Appraisals: What to Know, How Much It Costs, and How It Works</a></p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Blocks_spelling_out_HOA_with_model_h.d3d0fc86.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>14. The HOA fees are extremely high</media:title> | |
| <media:text type="html"><p data-block-key="002df">Homeowners association (HOA) fees can sometimes be very high. If they add a lot to your monthly payment, you need to consider this when looking at the home&#x27;s total cost. It may not be worth buying once you factor in the HOA expenses.</p></media:text> | |
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| <media:title>15. Insurance will cost you a fortune on the property</media:title> | |
| <media:text type="html"><p data-block-key="25of0">You should also consider the insurance costs. The risk may be very high if a home is in a flood- or disaster-prone area. You may have to get special insurance and pay a fortune for it. This also adds to your total ownership costs and must be factored in when deciding whether a home is worth its price.</p><p data-block-key="j0s4"></p><p data-block-key="7uqq8"><b>5 Stocks Under $49</b></p><p data-block-key="76mcp">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="iqj2">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>Don't buy a home without doing your due diligence</media:title> | |
| <media:text type="html"><p data-block-key="r6vxp">By looking for these 15 red flags, you can avoid overpaying for a home. Putting in the time to research the property and the area can help you to pay a fair price for a property. The effort is worth it for one of the biggest purchases of your life.</p><p data-block-key="cq8d9"><i>The Motley Fool has a</i> <a href="http://www.fool.com/Legal/fool-disclosure-policy.aspx"><i>disclosure policy</i></a><i>.</i></p></media:text> | |
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| <title>7 Ways Buyers Can Benefit From Rising Housing Inventory</title> | |
| <link>https://www.fool.com/slideshow/7-ways-buyers-can-benefit-from-rising-housing-inventory/</link> | |
| <description>More homes on the market could give buyers more options.</description> | |
| <pubDate>Thu, 27 Oct 2022 10:10:11 -0400</pubDate> | |
| <guid>64dfad7a-f10f-44ce-969e-8b4e2f700467</guid> | |
| <author>Maurie Backman</author> | |
| <lastBuildDate>Thu, 27 Oct 2022 10:10:11 -0400</lastBuildDate> | |
| <media:content type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/house_GettyImages-178559422.original.jpg"> | |
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| <media:title>The home supply is picking up</media:title> | |
| <media:text type="html"><p data-block-key="2ym6q">The U.S. real estate market has sorely lacked inventory since the latter part of 2000. And that&#x27;s been a real problem for buyers. But over the past few months, inventory has picked up. And if that trend continues, buyers could benefit for these reasons.</p><p data-block-key="bbg2f"></p><p data-block-key="27l6d"><b>5 Stocks Under $49</b></p><p data-block-key="5cv1k">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="9c1af">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
| <media:credit>Getty Images</media:credit> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/slide_13-_private_mortgage_insurance.3a8e71a7.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>1. There won't be as much pressure to make an immediate offer</media:title> | |
| <media:text type="html"><p data-block-key="2ym6q">The more homes available for sale, the more time you can take to decide whether to make an offer. In markets that are sorely lacking inventory, buyers often have to make an offer the moment they view a home if they want a chance at getting to purchase it. But if inventory picks up, buyers will be able to think things through without the fear of missing out.</p></media:text> | |
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| <media:content type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Bidding_war.original.jpg"> | |
| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Bidding_war.29ff2df6.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>2. Bidding wars could decrease</media:title> | |
| <media:text type="html"><p data-block-key="2ym6q">The more homes there are on the market, the less likely you&#x27;ll land in a scenario where you&#x27;re forced to duke it out with multiple buyers over the same property. Bidding wars can be not only stressful but also expensive. And they commonly drive up home prices, so avoiding them is a good thing.</p><p data-block-key="8bi1v"><a href="https://www.fool.com/the-ascent/mortgages/articles/almost-half-of-home-buyers-fear-bidding-wars-heres-how-to-win-one/">ALSO READ: Almost Half of Home Buyers Fear Bidding Wars. Here&#x27;s How to Win One</a></p></media:text> | |
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| <mi:hasSyndicationRights>1</mi:hasSyndicationRights> | |
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| <media:content type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Houses_for_sale.original.jpg"> | |
| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Houses_for_sale.baa44259.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>3. Home prices could fall</media:title> | |
| <media:text type="html"><p data-block-key="nsmq0">Any time there&#x27;s not enough supply of a given commodity to meet the demand for it, the price of that commodity is apt to rise. That&#x27;s why home prices are so high these days. But if housing inventory picks up, home prices should start to go back down as supply catches up with demand.</p></media:text> | |
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| <media:content type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/A_modern_kitchen_GettyImages-171591165.original.jpg"> | |
| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/A_modern_kitchen_GettyImages-1715911.84fc90ca.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>4. Finding your dream home could become easier</media:title> | |
| <media:text type="html"><p data-block-key="nsmq0">Buyers today often have to compromise in the course of buying a home. But as inventory increases, you may find that you&#x27;re more likely to find your dream home -- a property that truly checks off all the right boxes. That could mean getting to move in right away without having to deal with renovations.</p><p data-block-key="63bbo"><a href="https://www.fool.com/the-ascent/personal-finance/articles/renovating-your-home-prepare-for-this-hidden-cost/">ALSO READ: Renovating Your Home? Prepare for This Hidden Cost</a></p></media:text> | |
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| <media:title>5. You'll enjoy more bargaining power</media:title> | |
| <media:text type="html"><p data-block-key="3rqsv">When housing inventory is limited, sellers get the upper hand -- and they know it. But if inventory picks up nicely, you might get more negotiating power as a buyer. That could mean paying less for a home you&#x27;re interested in.</p><p data-block-key="c3v5g"></p><p data-block-key="ek3vv"><b>5 Stocks Under $49</b></p><p data-block-key="2qga7">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="bl4tm">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>6. Sellers won't be able to get away with avoiding repairs</media:title> | |
| <media:text type="html"><p data-block-key="3rqsv">Over the past year or so, homebuyers have had to bend over backward to accommodate sellers instead of the other way around. As such, sellers have gotten away with avoiding repairs. But once inventory picks up, sellers will have to try harder to appeal to buyers -- and avoid having the interested ones walk away.</p><p data-block-key="ctdfc"><a href="https://www.fool.com/the-ascent/personal-finance/articles/tired-of-raiding-your-savings-for-home-repairs-try-this-instead/">ALSO READ: Tired of Raiding Your Savings for Home Repairs? Try This Instead</a></p></media:text> | |
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| <media:title>7. The homebuying process could be less stressful overall</media:title> | |
| <media:text type="html"><p data-block-key="3rqsv">Ask the typical buyer what it&#x27;s been like to navigate the housing market over the past year, and you&#x27;ll probably get a negative response. As real estate inventory picks up, the homebuying process could become less stress-inducing. And given how important purchasing a home is, that&#x27;s a good thing.</p></media:text> | |
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| <media:title>Buyers shouldn't lose hope</media:title> | |
| <media:text type="html"><p data-block-key="3rqsv">Although the supply of available homes still isn&#x27;t robust enough to meet buyer demand, things have been getting better in that regard. In the coming year, inventory could increase even more. That could put buyers in a stronger position to spend less on homes and snag better deals overall.</p><p data-block-key="2ra3k"><i>The Motley Fool has a</i> <a href="https://www.fool.com/legal/fool-disclosure-policy/"><i>disclosure policy</i></a><i>.</i></p></media:text> | |
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| <title>15 Key Investing Strategies to Navigate the Next Bear Market</title> | |
| <link>https://www.fool.com/slideshow/15-key-investing-strategies-to-navigate-the-next-bear-market/</link> | |
| <description>Don't let your game plan be an afterthought.</description> | |
| <pubDate>Thu, 27 Oct 2022 07:00:17 -0400</pubDate> | |
| <guid>5e51ba71-dad7-4384-8e04-584229233c5f</guid> | |
| <author>Rachel Warren</author> | |
| <lastBuildDate>Thu, 27 Oct 2022 07:00:17 -0400</lastBuildDate> | |
| <media:content type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Slide_2_-_investor_running_away_from_bear_marke.original.jpg"> | |
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| <media:title>Another bear market is unavoidable, so don't get caught off guard</media:title> | |
| <media:text type="html"><p data-block-key="6kviu">The market has had its fair share of dramatic swings lately, and the volatility may be far from over. If another bear market appears in the near future, you don&#x27;t want to be caught unprepared.</p><p data-block-key="8ku9n">Let&#x27;s take a look at 15 investing strategies you need to know to navigate the next bear market and come out on the other side.</p><p data-block-key="espct"></p><p data-block-key="bnv4m"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>1. Consider bear market events within the context of your overall investing outlook</media:title> | |
| <media:text type="html"><p data-block-key="6kviu">Bear markets are a scary event for most investors, and that&#x27;s completely understandable. However, a bear market doesn&#x27;t need to stop you in your tracks or rattle your investing strategy. When you&#x27;re investing in the stock market for decades, even if it takes the market a few years to totally recover, that&#x27;s still a relatively minute slice of your overall investing outlook.</p><p data-block-key="gmsa">Will all the stocks you own recover from the next bear market? Potentially not. However, if you continue to invest in truly great companies with solid leadership, favorable balance sheets, and businesses that can drive future and lasting growth, you can keep building a balanced portfolio that delivers profits and growth over many years.</p><p data-block-key="d8uli"></p><p data-block-key="86obq"><a id="2409" linktype="page">ALSO READ: What Is a Bear Market and How Should You Invest in One?</a></p></media:text> | |
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| <media:title>2. Don't make major changes to your portfolio in the heat of the moment</media:title> | |
| <media:text type="html"><p data-block-key="6kviu">One of the most common urges investors face during a bear market period is the impulse to sell off their stocks when the market turns red. This can be a truly grave mistake.</p><p data-block-key="6n3ll">Cashing out your portfolio in the heat of the moment may not only make your losses greater but permanently wipe out your positions in otherwise great companies that you&#x27;re only selling because the price has changed, not because the underlying business has.</p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Slide_13_-_worried_young_investor_lo.2e16d0ba.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>3. Never, ever invest cash that you'll soon need</media:title> | |
| <media:text type="html"><p data-block-key="6kviu">One reason investors needn&#x27;t fear a bear market is the simple fact that these periods can provide plenty of sound buying opportunities to grab great stocks that are trading on sale.</p><p data-block-key="fvmn2">Of course, there are certain situations when it may be best to leave your portfolio alone during a bear market. For example, you should not be investing your emergency fund or cash that you might otherwise need in the next few years.</p><p data-block-key="5hvct">When the next bear market rolls around, be sure to only invest cash that you are perfectly fine putting into stocks and leaving alone for the next several years at least.</p><p data-block-key="dnjc3"></p><p data-block-key="2gpab"><a href="https://www.fool.com/investing/2022/09/15/3-things-the-worlds-smartest-investors-do-in-every/">ALSO READ: 3 Things the World&#x27;s Smartest Investors Do in Every Bear Market</a></p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Slide_9_-_person_using_mobile_tradin.7a98fab6.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>4. Don't jump in and out of the market</media:title> | |
| <media:text type="html"><p data-block-key="6kviu">Investing in the stock market isn&#x27;t going to make most investors get rich overnight. While the idea of implementing a life-changing trade based on a stroke of luck in the market isn&#x27;t a realistic goal, it also isn&#x27;t one you need to have.</p><p data-block-key="1gv6q">As an investor, continuing to build your portfolio just as consistently when the market is in bear territory as when a bull market is in full swing is how you can build prolonged returns that accumulate wealth over years.</p><p data-block-key="ch701">On the other hand, jumping in and out of the market in the midst of a downturn in hopes of encountering the best moments to buy or sell could very well end in disaster for your portfolio, because your chances of getting those moments right are next to zero.</p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/man_covering_face_and_holding_up_tab.2f55b253.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>5. Don't fear a bear market -- use it to your benefit</media:title> | |
| <media:text type="html"><p data-block-key="6kviu">If you&#x27;re in the right mindset, a bear market doesn&#x27;t need to scare you as an investor. If you are in a position to invest during the next bear market, you can use that window to invest in companies with durable competitive advantages and growth tailwinds.</p><p data-block-key="e415s">Not only will your capital go further in this type of market environment but you&#x27;ll be in a prime position to enjoy the market&#x27;s recovery when it does happen.</p><p data-block-key="d5tnp"></p><p data-block-key="6gv3m"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>6. Keep some cash outside your portfolio</media:title> | |
| <media:text type="html"><p data-block-key="6kviu">Remember how we talked about not investing cash you&#x27;re going to need soon? You also want to make sure that you are not putting all of your cash into your portfolio.</p><p data-block-key="26t0m">If an emergency or some other life event occurs, you don&#x27;t want to have to draw from your portfolio to access that money, particularly during a bear market when share prices across a wide range of industries tend to be heavily depressed.</p><p data-block-key="67a4e"></p><p data-block-key="3938b"><a href="https://www.fool.com/investing/2022/09/14/only-stock-warren-buffett-buy-last-2-bear-markets/">ALSO READ: The Only Stock Warren Buffett Has Bought in Each of the Last 2 Bear Markets</a></p></media:text> | |
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| <media:title>7. Focus on resilient investments that can generate profits and growth over the long term</media:title> | |
| <media:text type="html"><p data-block-key="6kviu">When you&#x27;re investing during a bear market, it can be tempting to put your cash into companies simply because they are outperforming the market at that point in time. But just because the stock is trading up or down during a bear market doesn&#x27;t make it a good or a bad investment off the bat.</p><p data-block-key="ar1sd">Do your research before you buy shares of any company. Make sure it&#x27;s the right fit for <i>your</i> portfolio over the long term prior to investing your hard-earned cash.</p></media:text> | |
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| <media:title>8. Systematically invest a set amount of money into the stocks you love</media:title> | |
| <media:text type="html"><p data-block-key="6kviu">You may have heard of the strategy of dollar-cost averaging, which essentially involves regularly investing a specific dollar amount in stocks or other assets. This simple strategy is effective in any environment, and it can be an especially valuable tool to help you make the best use of your capital when the market is trading down.</p><p data-block-key="f1t65">When you treat investing more like a habit, instead of a means of trying to predict the most effective or ineffective windows to infuse your capital into the market, you&#x27;ll not only gain the advantage of buying stocks on sale during down periods but also be ready to enjoy the profits and returns of the up markets.</p><p data-block-key="etlep"></p><p data-block-key="chbp5"><a href="https://www.fool.com/investing/2022/09/15/3-top-healthcare-stocks-defying-the-bear-market/">ALSO READ: 3 Top Healthcare Stocks Defying the Bear Market</a></p></media:text> | |
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| <media:title>9. Invest in stocks and sectors with a certain level of noncyclicality</media:title> | |
| <media:text type="html"><p data-block-key="6kviu">The kinds of stocks and industries you&#x27;re drawn to will depend on a great many factors that are generally personal to you. However, it&#x27;s always a good idea to balance your portfolio with investments that are more recession resistant and noncyclical.</p><p data-block-key="egmk0">For example, companies that sell products that people use on a daily basis tend to lend a certain level of noncyclicality to your portfolio, because even when consumers are strapped for cash, these businesses are still a go-to for the items they need and use regularly.</p></media:text> | |
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| <media:title>10. Limit your portfolio check-ins</media:title> | |
| <media:text type="html"><p data-block-key="6kviu">It&#x27;s certainly natural to want to check how your portfolio is doing, and it&#x27;s important to make a habit of evaluating your holdings and the balance of your basket of investments from time to time.</p><p data-block-key="dscfh">That being said, checking your portfolio too often, especially during a market downturn, could induce you to make some questionable judgments about your portfolio and simply isn&#x27;t going to be helpful.</p><p data-block-key="fb4am">If you find yourself checking your portfolio every day (or even multiple times a day), it&#x27;s probably best to reel that in and limit your portfolio check-ins to once a week. You don&#x27;t need to get overly caught up in intraday movements in your portfolio that are likely to fluctuate immensely in a bear market environment.</p><p data-block-key="5d21a"></p><p data-block-key="81tjd"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>11. Don't overconcentrate your asset allocation</media:title> | |
| <media:text type="html"><p data-block-key="6kviu">The dangers of overconcentrating your cash into only a few stocks or sectors are definitely not limited to a bear market. However, the downside of failing to diversify can become even more apparent in these types of markets.</p><p data-block-key="e03hr">When your capital is evenly spread across numerous stocks and sectors, it not only gives your portfolio more opportunities to experience returns but can even lessen your portfolio&#x27;s reaction to a bear market because you&#x27;re not overly exposed to a particular company or industry.</p><p data-block-key="fu29m"></p><p data-block-key="c7fcj"><a href="https://www.fool.com/investing/2022/09/16/better-bear-market-buy-coca-cola-vs-procter-gamble/">ALSO READ: Better Bear Market Buy: Coca-Cola vs. Procter &amp; Gamble</a></p></media:text> | |
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| <media:title>12. Don't follow the hype</media:title> | |
| <media:text type="html"><p data-block-key="6kviu">In a day and age where hyped-up retail-trading frenzies are common, it can be easy to get caught up in the latest and greatest investing scheme without looking to see whether there&#x27;s a durable underlying asset behind it.</p><p data-block-key="be7bp">These types of &quot;investment opportunities&quot; can rise to the forefront when the market has entered bear territory, simply because investors are looking for any and all ways to stop their portfolio from hemorrhaging.</p><p data-block-key="av0b2">An investment may be popular for a good reason, but it&#x27;s important to be just as judicious about using your capital and researching an investment during a bear market as you would during a bull market.</p></media:text> | |
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| <media:title>13. Don't tap into your emergency fund</media:title> | |
| <media:text type="html"><p data-block-key="6kviu">Your emergency fund should always be a stand-alone entity from your investment portfolio. This is not money that you should invest, and you shouldn&#x27;t ever lump in your emergency fund with your basket of investments.</p><p data-block-key="fe8r1">While stocks are a relatively liquid asset, emergencies rarely occur at opportune times. If one does happen and your emergency fund is tied up with your investments, you could be forced to sell stocks at a bad time in the market simply because you don&#x27;t have enough cash outside your portfolio.</p><p data-block-key="1m14a"></p><p data-block-key="77rfi"><a href="https://www.fool.com/investing/2022/09/15/tech-sell-off-1-nasdaq-stock-down-61-to-buy-before/">ALSO READ: Tech Sell-Off: 1 Nasdaq Stock Down 61% to Buy Before It Starts Soaring</a></p></media:text> | |
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| <media:title>14. Don't sell your stocks in an effort to reduce your bear market losses</media:title> | |
| <media:text type="html"><p data-block-key="6kviu">Violent swings in your portfolio are tough to bear. Nonetheless, it&#x27;s common to see plenty of them when the market is experiencing a downturn.</p><p data-block-key="b8l4t">If your stocks are trending down with the broader market, don&#x27;t rush to sell them unless you have a robust thesis for doing so that goes beyond changes in the price of the asset.</p></media:text> | |
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| <media:title>15. Don't let market noise induce you to buy or sell stocks</media:title> | |
| <media:text type="html"><p data-block-key="6kviu">Sometimes a stock is down for a very good reason, such as changed messaging from management that is driving investors away or concerning developments with the business itself. However, if you find yourself contemplating a stock dump only because shares are trading down, you may not only end up selling a quality investment but also turning volatile share action into a perpetual loss in the process.</p><p data-block-key="1o3ce">Likewise, if you find yourself drawn to a stock simply because shares are trading up in an otherwise depressed market, don&#x27;t invest on that reason alone.</p><p data-block-key="6mcse">In any market, bull or bear, your choice to buy or sell a stock should be founded upon a solid strategy and thesis that takes into account the business itself, its core financials, your personal ability to handle risk in your portfolio, and the overarching investment goals you have set for yourself.</p><p data-block-key="cf59q"></p><p data-block-key="diigh"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>A turbulent market may feel scary, but it can be a golden opportunity for long-term investors</media:title> | |
| <media:text type="html"><p data-block-key="6kviu">If you&#x27;ve ridden out previous bear markets, you may or may not be experiencing much trepidation about the prospect of another one. Even so, the unique combination of events that have been driving market actions lately has unnerved investors of all ages and experience levels.</p><p data-block-key="4u71e">It&#x27;s a perfectly natural, human reaction. However, your investment strategy or approach to the stock market shouldn&#x27;t be predicated on what it&#x27;s doing over the next few weeks, months, or even years.</p><p data-block-key="bm78a">If you&#x27;re in a position to invest in the next bear market, you may find a golden opportunity to buy wonderful companies at far lower prices than you usually would.</p><p data-block-key="7eupf">At the same time, if you don&#x27;t feel comfortable putting capital to work in a bear market, staying hands-off your portfolio for a time can be just as ingenious a strategy to maximize your returns over the long run and avoid making potentially costly mistakes based on panic or greed.</p><p data-block-key="coil9"></p><p data-block-key="et6tk"><i>The Motley Fool has a</i> <a href="http://www.fool.com/Legal/fool-disclosure-policy.aspx"><i>disclosure policy</i></a><i>.</i></p></media:text> | |
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| <title>15 Things Investors Need to Know About Stocks</title> | |
| <link>https://www.fool.com/slideshow/15-things-investors-need-to-know-about-stocks/</link> | |
| <description>The more you know, the better results you'll likely get.</description> | |
| <pubDate>Wed, 26 Oct 2022 07:00:25 -0400</pubDate> | |
| <guid>fabb63fa-558d-4d46-beaf-858f7897b00b</guid> | |
| <author>Selena Maranjian</author> | |
| <lastBuildDate>Wed, 26 Oct 2022 07:00:25 -0400</lastBuildDate> | |
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| <media:title>Learn, learn, learn</media:title> | |
| <media:text type="html"><p data-block-key="wwxm1">We all should consider investing in the stock market if we want to build wealth over a long period -- perhaps to support us in a comfortable retirement. But that doesn&#x27;t mean we should all run to a brokerage right away and buy stocks. For best results, take some time to learn more about investing in stocks. Here are 15 things to know -- which can be a great start.</p><p data-block-key="6h4um"></p><p data-block-key="6eome"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, “I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I’d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of “5 Growth Stocks Under $49” for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>1. A share of stock is a real stake in a business</media:title> | |
| <media:text type="html"><p data-block-key="icnuy">It can seem like a share of stock is kind of a lottery ticket, one that will or won&#x27;t pay off for us. That&#x27;s not the case, though. A stock is an actual small ownership stake in a company, in a real business. If the business prospers and grows, so should the value of your share of it. It can help to think of yourself as the co-owner that you are of a business, as you follow it in the news and root for it to succeed.</p></media:text> | |
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| <media:title>2. Both price and value matter</media:title> | |
| <media:text type="html"><p data-block-key="icnuy">A common investing mistake is to confuse price and value. Don&#x27;t assume that a low-priced stock is a great deal, for example. Understand that for best investing results, you would do well to seek companies that are both high quality and attractively priced. Warren Buffett clarified this when he said, &quot;It&#x27;s far better to buy a wonderful company at a fair price than a fair company at a wonderful price.&quot;</p><p data-block-key="chrrb"></p><p data-block-key="ffmjj"><a href="https://www.fool.com/investing/2021/06/12/3-reasons-stock-price-doesnt-matter/">ALSO READ: 3 Reasons Stock Price Doesn&#x27;t Matter</a></p></media:text> | |
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| <media:title>3. A stock price alone doesn't tell you much</media:title> | |
| <media:text type="html"><p data-block-key="7a5rm">Don&#x27;t read too much into a stock&#x27;s price, as it&#x27;s not very meaningful on its own. To wring some meaning out of a stock&#x27;s price, you&#x27;ll need to relate it to something else. Multiply it by the number of shares outstanding and you&#x27;ll arrive at its total market value, or <a href="https://www.fool.com/investing/how-to-invest/stocks/what-is-market-cap/">market capitalization</a>, for example. Relate it to earnings per share, and you&#x27;ll get <a href="https://www.fool.com/investing/how-to-invest/stocks/price-to-earnings-ratio/">a P/E ratio</a>.</p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Getty_-_interested_intrigued_curious.6bf66bf4.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>4. A $500-per-share stock can be cheap, and a $3 one can be overvalued</media:title> | |
| <media:text type="html"><p data-block-key="7a5rm">A stock trading at $3 per share might be grossly overvalued, while a $500-per-share stock might be a terrific bargain, with an intrinsic value of $1,000. Sure, you can buy hundreds of the $3 stock with $1,000, but it may soon become worth $400, while you might buy two shares of the $500 stock and see them become worth $750 each.</p><p data-block-key="ddsu7"></p><p data-block-key="86on7"><a href="https://www.fool.com/investing/stock-market/types-of-stocks/growth-stocks/value-vs-growth-stocks/">ALSO READ: Value vs. Growth Investing: Which Stock Should You Buy?</a></p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Getty_-_profit_loss_gains_losses_tax.aa61f5fd.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>5. It can be OK if a company is not profitable -- but not ideal</media:title> | |
| <media:text type="html"><p data-block-key="4bxea">Obviously, all other things being equal, it&#x27;s better to invest in a profitable company than an unprofitable one. And it&#x27;s also often good to favor fat profit margins. But sometimes it&#x27;s OK to put some money in a not-yet-profitable one, as long as you can see profitability ahead. Many companies start out with little to no profits, until they grow bigger. Some companies even choose to remain unprofitable once they grow bigger, opting to plow as many dollars as possible into furthering their growth. At that point, though, they can rein in their spending and suddenly be profitable.</p><p data-block-key="5kl8c"></p><p data-block-key="1tq4d"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, “I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I’d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of “5 Growth Stocks Under $49” for FREE for a limited time only.</a></p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/A_magnifying_glass_being_held_over_a.13a29cd5.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>6. It's always good to favor low or no debt</media:title> | |
| <media:text type="html"><p data-block-key="4bxea">Another kind of company to favor when you&#x27;re assessing candidates for your portfolio is one with little or no debt. (Some debt can be OK, and some companies can make good use of it, especially when interest rates are favorable.) You can find debt listed on a publicly traded company&#x27;s balance sheet, which should be made available every quarter when earnings are announced. The balance sheet typically lists short-term debt (along with other liabilities) and long-term debt. You might compare debt levels with cash levels and also check to see if debt has been growing or shrinking. Companies with a lot of debt are on the hook for repayments and may have less flexibility in how they spend their earnings. In a worst-case scenario, heavy debt might lead to bankruptcy.</p><p data-block-key="9jei3"></p><p data-block-key="anous"><a href="https://www.fool.com/investing/how-to-invest/stocks/beginners-guide-financial-statements/balance-sheet/">ALSO READ: How to Read a Balance Sheet</a></p></media:text> | |
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| <media:title>7. Dividends are more exciting than you think</media:title> | |
| <media:text type="html"><p data-block-key="nzug2">It&#x27;s common to assume that <a href="https://www.fool.com/investing/stock-market/types-of-stocks/dividend-stocks/">dividend-paying stocks</a> are boring, slow-growth companies, suitable only for your grandparents&#x27; portfolios. But think again. These days, even companies such as <b>Apple</b> and <b>Microsoft</b> pay dividends, and <b>IBM</b>&#x27;s dividend yield recently topped 5%! Think about that -- if you&#x27;re bullish on IBM&#x27;s future and expect its stock to be worth much more in the future, buying now will get you a 5% reward every year, while you wait.</p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Getty_-_hugging_heart_keep_never_sel.96e3d6b3.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>8. Commit to your holdings</media:title> | |
| <media:text type="html"><p data-block-key="nzug2">Not trading in and out of stocks frequently means you&#x27;ll need to get good at being patient. Many times, the best thing to do in investing is nothing -- if you have built a portfolio of promising stocks, just give them time to perform as you hope they will. Think of companies such as Apple or Microsoft and remember that they have increased in value phenomenally -- but over the long term, not overnight. Be a long-term investor.</p></media:text> | |
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| <media:title>9. Be really patient</media:title> | |
| <media:text type="html"><p data-block-key="epd8a">Not trading in and out of stocks frequently means you&#x27;ll need to get good at being patient. Many times, the best thing to do in investing is nothing -- if you have built a portfolio of promising stocks, just give them time to perform as you hope they will. Think of companies such as Apple or Microsoft and remember that they have increased in value phenomenally -- but over the long term, not overnight. Be a long-term investor.</p><p data-block-key="2d2m9"></p><p data-block-key="7nmqu"><a href="https://www.fool.com/investing/2020/07/20/why-patience-is-the-most-important-factor-in-succe.aspx">ALSO READ: Why Patience Is the Most Important Factor in Successful Investing</a></p></media:text> | |
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| <media:title>10. Diversify at least a little</media:title> | |
| <media:text type="html"><p data-block-key="epd8a">Pay attention to diversification. It&#x27;s smart to invest your money in only your best ideas, but if you only have three of them and one implodes, that can deal a cruel blow to your portfolio. We have suggested holding stock <a href="https://www.fool.com/about/investing-philosophy/">in at least 25 companies</a>. You might invest in even more than that, but if you spread your dollars across hundreds of companies, one that explodes in value may not benefit you as much as you&#x27;d like. To some degree, your diversification might reflect your confidence -- the more confident you are in your holdings, the less diversified you might be.</p><p data-block-key="aena2"></p><p data-block-key="g6ke"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, “I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I’d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of “5 Growth Stocks Under $49” for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>11. Follow your holdings</media:title> | |
| <media:text type="html"><p data-block-key="6eshs">You can&#x27;t be very confident in your holdings if you don&#x27;t keep up with them, so keep up with them: Read their quarterly and annual reports, and follow them in the news and at <a href="https://www.fool.com/investing-news/">Fool.com</a>. You want to know about any progress they make, any challenges they face, and any strengthening or deterioration in their health and growth prospects. The more you know about them, the smarter decisions you&#x27;ll likely make regarding them.</p></media:text> | |
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| <media:title>12. Know your holdings well</media:title> | |
| <media:text type="html"><p data-block-key="6eshs">Before investing in any company, get to know it very well. Read up on it -- such as its last few quarterly and annual reports. Read articles about it in the news. Read about its industry, too, and its competitors, so that you have a solid sense of how it compares with its rivals. Learn what <a href="https://www.fool.com/investing/how-to-invest/stocks/competitive-advantage/">competitive advantages</a> it has and how sustainable they are. Learn what its business model is, too -- exactly how it makes its money.</p></media:text> | |
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| <media:title>13. Learn to read financial statements</media:title> | |
| <media:text type="html"><p data-block-key="wuc14">For best results when getting to really understand how strong and promising a company is, you&#x27;ll want to be able to read -- and understand -- its financial statements. There are three key ones -- the balance sheet, income statement (sometimes called the statement of operations), and the statement of cash flows. They can be intimidating at first, but learning to make sense of them requires no knowledge of rocket science.</p><p data-block-key="21anu"></p><p data-block-key="14h4e"><a href="https://www.fool.com/investing/how-to-invest/stocks/beginners-guide-financial-statements/balance-sheet/">ALSO READ: 3 Most Important Financial Statements</a></p></media:text> | |
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| <media:title>14. Learn to value stocks</media:title> | |
| <media:text type="html"><p data-block-key="wuc14">As you learn your way around financial statements, you&#x27;ll start being able to estimate how undervalued, overvalued, or perfectly valued a stock appears to be. Ideally, you&#x27;ll spend some time learning how to value stocks. There are multiple ways to do so, and there&#x27;s no single exact value for any company, since there are always estimates of future growth involved. So don&#x27;t rely only on a single measure, such as the <a href="https://www.fool.com/investing/how-to-invest/stocks/price-to-earnings-ratio/">price-to-earnings ratio</a> or the <a href="https://www.fool.com/investing/stock-market/basics/peg-ratio/">PEG ratio</a>. Learn to crunch various numbers, and look at a stock from different angles.</p><p data-block-key="clsil"></p><p data-block-key="5ib6g"><a href="https://www.fool.com/investing/how-to-invest/stocks/how-to-value-stock/">ALSO READ: The Definitive Guide: How to Value a Stock</a></p></media:text> | |
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| <media:title>15. Make it simple and just invest in index funds!</media:title> | |
| <media:text type="html"><p data-block-key="wttxl">Finally, if all these bits of advice have you thinking that this is going to be more work than you want or can do, make it easy on yourself. You can do quite well, and even amass a million dollars, simply <a href="https://www.fool.com/investing/how-to-invest/index-funds/why-invest/">investing in index funds</a>. You&#x27;ll need to do so over many years, of course, and you should aim to keep adding money to your investments over time, too. But index funds are sufficiently powerful to help you grow wealthy.</p><p data-block-key="5id07"></p><p data-block-key="757ap"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, “I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I’d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of “5 Growth Stocks Under $49” for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>Keep learning</media:title> | |
| <media:text type="html"><p data-block-key="wttxl">Those are 15 bits of investing guidance that can help you improve your results, but they&#x27;re not the only helpful tips out there. If you want your investing performance to get better and better, aim to keep learning, for the rest of your investing life. And if you&#x27;d rather just read mystery books, work in your garden, and perfect your golf game, just stick with index funds. That can be quite effective, too.</p><p data-block-key="9paki"></p><p data-block-key="en3lq"><a href="https://boards.fool.com/profile/TMFSelena/info.aspx"><i>Selena Maranjian</i></a><i> has positions in Apple and Microsoft. The Motley Fool has positions in and recommends Apple and Microsoft. The Motley Fool recommends the following options: long March 2023 $120 calls on Apple and short March 2023 $130 calls on Apple. The Motley Fool has a</i> <a href="https://www.fool.com/legal/fool-disclosure-policy/"><i>disclosure policy</i></a><i>.</i></p></media:text> | |
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| <title>15 Common Turnoffs for Homebuyers</title> | |
| <link>https://www.fool.com/slideshow/15-common-turnoffs-for-homebuyers/</link> | |
| <description>Don't let these common errors derail your next home sale.</description> | |
| <pubDate>Tue, 25 Oct 2022 10:10:26 -0400</pubDate> | |
| <guid>01c48344-9fc6-4063-a57c-7b33bc83c05b</guid> | |
| <author>Rachel Warren</author> | |
| <lastBuildDate>Tue, 25 Oct 2022 10:10:26 -0400</lastBuildDate> | |
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| <media:title>It's always a good time to maintain your property value</media:title> | |
| <media:text type="html"><p data-block-key="600nd">Whether you&#x27;re ready to list your house on the market just yet or not, it&#x27;s a good idea to make sure your home is as sale-ready as possible if you&#x27;re contemplating moving soon.</p><p data-block-key="41n71">In a day and age when consumers are bombarded with real estate and home improvement shows, potential buyers are more selective than ever. Let&#x27;s take a look at 15 common turnoffs for homebuyers you should know about.</p><p data-block-key="2hr5g"></p><p data-block-key="4kpo5"><b>5 Stocks Under $49</b></p><p data-block-key="1o48s">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="7c3eg">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>1. Brightly painted walls</media:title> | |
| <media:text type="html"><p data-block-key="600nd">While that eye-catching accent wall or brilliant cabinet color may fit in perfectly with your decor, chances are overly bright interior colors will be off-putting to people shopping for a home. When potential buyers enter your home, they want to visualize their own furniture and decor in the home and whether it&#x27;s a good fit. In other words, they want to see the home as a blank canvas, and too many bright colors can detract from that.</p><p data-block-key="1rfkn">That doesn&#x27;t necessarily mean you must repaint the entire interior if you&#x27;ve chosen some bold hues in your home. But sticking to neutral tones as a general rule is optimal if you plan to list it soon.</p><p data-block-key="7i2f8"><a href="https://www.fool.com/the-ascent/mortgages/articles/3-pros-and-cons-of-an-open-floor-plan-home/">ALSO READ: 3 Pros and Cons of an Open Floor Plan Home</a></p></media:text> | |
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| <media:title>2. Unwelcome aromas</media:title> | |
| <media:text type="html"><p data-block-key="600nd">You only have one chance to make a good first impression on potential buyers. In addition to the visual aspects that feed into that first impression, senses like smell play a big role.</p><p data-block-key="21g8c">Whether it&#x27;s the pungent scent of cleanser after a deep clean or the aroma of recently fried food, if you can smell it when you enter the house, that&#x27;s a big no-no.</p></media:text> | |
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| <media:title>3. Peeling paint</media:title> | |
| <media:text type="html"><p data-block-key="600nd">The small details matter to a potential homebuyer. Even seemingly simple cosmetic aspects can detract from someone&#x27;s view of your home and result in an overall negative impression. If you notice peeling paint on your home&#x27;s doorways, cabinets, ceilings, or walls, a little sanding, putty, and paint can provide a relatively simple fix for minimal cost and effort.</p><p data-block-key="v9u">On the other hand, if the peeling is extensive, it may indicate a deeper problem, such as water leakage, that may require a professional&#x27;s attention. Peeling paint isn&#x27;t something to ignore, and you can bet a potential buyer won&#x27;t, either.</p><p data-block-key="em2kq"><a href="https://www.fool.com/the-ascent/mortgages/articles/could-you-afford-a-home-in-europe/">ALSO READ: Could You Afford a Home in Europe?</a></p></media:text> | |
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| <media:title>4. Dirty grout</media:title> | |
| <media:text type="html"><p data-block-key="600nd">It&#x27;s inevitable that with the events of daily life, such as cooking and trudging in and out of the house, grout in places like your bathroom and kitchen will get dirty. The good news is this is typically an easy, inexpensive repair.</p><p data-block-key="ekpm7">You should be able to get the job done with a few basic household cleaning supplies you probably already have, such as a sponge or mop (depending on the area) and dish soap. A mixture of vinegar and baking soda is another popular homemade solution to get your grout back in sparkling shape.</p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/20_-_dont_block_vents_-_Getty.9512fdbb.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>5. Shag carpets</media:title> | |
| <media:text type="html"><p data-block-key="600nd">While they may nostalgically harken back to a bygone area, shag carpets are a common point of contention for the average homebuyer. Not only do they lack the sleek and subtle ambiance that many homeowners crave today, but they also gather dirt and grime far more easily than other types of flooring, like hardwood, luxury vinyl, or more modern carpet products.</p><p data-block-key="c4hf2">If you have shag carpet in your house and can afford to replace it with a more modern alternative, it may be wise to do so before you list your home. Strategic floor upgrades are an investment that can pay off big-time and could tack on thousands of dollars of additional value to your home.</p><p data-block-key="8e7t5"></p><p data-block-key="avre6"><b>5 Stocks Under $49</b></p><p data-block-key="9g76e">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="egjsr">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>6. Popcorn ceilings</media:title> | |
| <media:text type="html"><p data-block-key="600nd">Popcorn ceilings could potentially detract from your home&#x27;s value, but potential buyers also don&#x27;t like to see them. Thankfully, you don&#x27;t necessarily need to hire a professional to rid one or more rooms in your home -- particularly the core living spaces -- of these dated details. If you have the time to scrape and paint over the popcorn ceilings yourself, you can easily get the job done in a weekend.</p><p data-block-key="5721p"><a href="https://www.fool.com/real-estate/2022/09/15/how-id-invest-20000-today-if-i-had-to-start-from-s/">ALSO READ: How I&#x27;d Invest $20,000 Today if I Had To Start From Scratch -- Including Real Estate</a></p></media:text> | |
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| <media:title>7. Too many personal items</media:title> | |
| <media:text type="html"><p data-block-key="600nd">Not all homebuyer turnoffs require a do-it-yourself project or a professional to remedy. Something as simple as putting some of your personal items away, such as photos, and clearing out the clutter can work wonders for that all-important first impression.</p><p data-block-key="61gu5">Again, this goes back to buyers wanting to see a blank canvas and visualize themselves in your home. Leaving too many personal items out -- even if well organized -- can detract from that.</p></media:text> | |
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| <media:title>8. Disorganized interiors</media:title> | |
| <media:text type="html"><p data-block-key="600nd">The inside of your home should always be clean and organized before a potential buyer walks in. Even details as seemingly negligible as too many items left out on the kitchen counter, disorganized bookshelves, or too much clutter in your personal office can catch a buyer&#x27;s eye the wrong way.</p><p data-block-key="6on0b">Taking a few extra minutes to tidy up before you have a showing can greatly influence a buyer&#x27;s mind, and it requires only a little time and effort.</p><p data-block-key="cqepv"><a href="https://www.fool.com/real-estate/2022/09/14/3-real-estate-market-predictions-for-the-rest-of-2/">ALSO READ: 3 Real Estate Market Predictions for the Rest of 2022</a></p></media:text> | |
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| <media:title>9. Busy curtains or window treatments</media:title> | |
| <media:text type="html"><p data-block-key="600nd">Bright or heavily patterned curtains may look dreamy with your current interior decor but could prove too busy visually for a prospective buyer. Does this mean you need to go out and buy new window treatments? Not at all.</p><p data-block-key="8lstg">If a few of your current window treatments aren&#x27;t neutral, don&#x27;t necessarily blend into the space, or simply haven&#x27;t been updated in a while, you might consider taking them down. Just be sure to touch up any nicks or pits left behind in the wall.</p><p data-block-key="97f0t">Not only will this open up the room and allow in more natural light, but it will also allow a potential buyer to see the room as a clean palette ready for their personal touch.</p></media:text> | |
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| <media:title>10. An outdated kitchen</media:title> | |
| <media:text type="html"><p data-block-key="600nd">To a potential buyer, the kitchen is one of the most important rooms in your home. And it makes sense. The kitchen is a central space in the main living area, one where you prepare meals daily, eat with family and friends, and entertain guests. As such, an outdated kitchen can negatively impact buyers&#x27; perceptions and the resale value of your home.</p><p data-block-key="50v8g">While upgrades to your kitchen can bring you a return on investment to the tune of anywhere from 50% to 80% on average, you can make some meaningful changes that add value to your home -- without breaking the bank.</p><p data-block-key="3rmb3">For instance, replacing a dated backsplash, switching out an old-fashioned appliance for stainless steel, refinishing or repainting the kitchen cabinets, or putting in new countertops are individual changes that vary widely in terms of cost. Still, each can make a huge difference in buyers&#x27; perceptions of your home and how much they&#x27;re willing to pay for it.</p><p data-block-key="145hj"></p><p data-block-key="fadkg"><b>5 Stocks Under $49</b></p><p data-block-key="67c2d">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="38l4d">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>11. Old-fashioned light fixtures</media:title> | |
| <media:text type="html"><p data-block-key="600nd">Again, it goes back to the details. Old or audacious light fixtures are another common turnoff for homebuyers but a relatively inexpensive one to fix. Replacing a light fixture in your kitchen or dining room, for example, could cost as little as $200, exclusive of installation expenses.</p><p data-block-key="3ec7t"><a href="https://www.fool.com/the-ascent/personal-finance/articles/utility-costs-are-skyrocketing-these-5-states-will-feel-it-the-most/">ALSO READ: Utility Costs Are Skyrocketing. These 5 States Will Feel It the Most</a></p></media:text> | |
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| <media:title>12. Outdated cabinet or door hardware</media:title> | |
| <media:text type="html"><p data-block-key="600nd">From old-fashioned door knobs to dated cabinet pulls, these minor elements in your home can also be a turn-off to homebuyers, despite being relatively simple and inexpensive to fix.</p><p data-block-key="b4hdh">As the current homeowner, that&#x27;s good news for you. If you currently have cabinet or door hardware that could use sprucing up, a quick trip to your local home improvement store for some new knobs can remedy that.</p></media:text> | |
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| <media:title>13. Lack of natural light</media:title> | |
| <media:text type="html"><p data-block-key="600nd">Light doesn&#x27;t just illuminate a room; it can also make it appear larger. While you can&#x27;t do anything about a particular room in your house not facing direct sunlight, there are ways to open up the space to allow more light in and to make the most of the light that&#x27;s there.</p><p data-block-key="arv29">Whether that means switching out heavy curtains for sleek shades (or no window treatments at all) or painting the room a lighter color, you can work with the natural light and make even a smaller, darker room appear more inviting.</p><p data-block-key="cdc0d"><a href="https://www.fool.com/investing/2022/09/15/will-moving-affect-my-social-security-benefit/">ALSO READ: Will Moving Affect My Social Security Benefit?</a></p></media:text> | |
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| <media:title>14. Overgrown landscaping</media:title> | |
| <media:text type="html"><p data-block-key="600nd">From unkempt weeds encroaching on your flowers to unsightly hedges, your home&#x27;s landscaping is one of the very first things a potential buyer will see before they ever enter the structure. And overgrown landscaping -- or no landscaping at all -- could leave a less-than-favorable impression that a prospective buyer may not overcome. Even simple changes like trimming the shrubbery can instantly boost the home&#x27;s visual appeal and make a difference in the final sale of your home.</p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Slide_13_-_basket_filled_with_beauty.ea9d3442.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>15. Strong fragrances</media:title> | |
| <media:text type="html"><p data-block-key="600nd">Prospective buyers are surprisingly picky, even in the current market. What may seem like an inviting scent -- for instance, your favorite candle burning -- may actually have the opposite effect. When in doubt, it&#x27;s better to put the air freshener away and let your clean, organized home speak for itself.</p><p data-block-key="65him"></p><p data-block-key="78mol"><b>5 Stocks Under $49</b></p><p data-block-key="cgjkb">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="an1vq">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>The real estate market is going through a tough period, but that shouldn't deter investors</media:title> | |
| <media:text type="html"><p data-block-key="600nd">Perhaps you&#x27;re not interested in moving anytime soon and are happily settled in your current dwelling. Even so, there are plenty of ways to make money through real estate that don&#x27;t involve buying or selling a house.</p><p data-block-key="eqdb8">A range of volatile factors is impacting the real estate market right now, and that may continue to influence real estate prices for a while longer. But abundant opportunities to <a href="https://www.fool.com/real-estate/2022/09/20/is-now-the-time-to-buy-real-estate-stocks/">create and build long-term wealth in this sector</a> remain and would be a mistake to overlook.</p><p data-block-key="d21n4"><i>The Motley Fool has a</i> <a href="http://www.fool.com/Legal/fool-disclosure-policy.aspx"><i>disclosure policy</i></a><i>.</i></p></media:text> | |
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| <title>13 Signs You're Ready to Invest in the Stock Market</title> | |
| <link>https://www.fool.com/slideshow/13-signs-youre-ready-to-invest-in-the-stock-market/</link> | |
| <description>Think you have what it takes to make money in the stock market? You're about to find out.</description> | |
| <pubDate>Tue, 25 Oct 2022 07:00:28 -0400</pubDate> | |
| <guid>700ccb83-ab21-48e3-985a-ec4849b81755</guid> | |
| <author>Catherine Brock</author> | |
| <lastBuildDate>Tue, 25 Oct 2022 07:00:28 -0400</lastBuildDate> | |
| <media:content type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Smiling_senior_writing_note.original.jpg"> | |
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| <media:title>Readiness is emotional and financial</media:title> | |
| <media:text type="html"><p data-block-key="7i4ol">To invest successfully, you must be ready -- emotionally and financially. If you&#x27;re not quite there yet in either category, investing in the stock market could be counterproductive. You might lose interest or, worse, pull your money out at the wrong time.</p><p data-block-key="4il5v">Test your readiness now with these 13 prompts. They&#x27;ll either confirm you&#x27;re ready to build wealth in the stock market or they&#x27;ll reveal your most pressing financial priorities.</p><p data-block-key="amrs2"></p><p data-block-key="aiia4"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I’d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>1. You know your living expenses</media:title> | |
| <media:text type="html"><p data-block-key="fe3e4">Investing requires cash over and above what you&#x27;re already spending. So, to know how much you have available for investing, you must first understand your living expenses.</p><p data-block-key="1uo95">That may mean it&#x27;s time to build out a budget. Your budget doesn&#x27;t need to be fancy, but it should define your essential and discretionary spending. Those values, along with your income, tell you roughly what your <a href="https://www.fool.com/investing/how-to-invest/how-much-money-start-investing/">investing budget</a> can be.</p><p data-block-key="s4ak"></p><p data-block-key="9ccmk"><a href="https://www.fool.com/the-ascent/personal-finance/articles/these-are-the-average-households-7-biggest-expenses/">ALSO READ: These Are the Average Household&#x27;s 7 Biggest Expenses</a></p></media:text> | |
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| <media:title>2. You make more than you spend</media:title> | |
| <media:text type="html"><p data-block-key="vxmcg">Crunching the numbers on your living expenses should confirm that you&#x27;re making more than you&#x27;re spending. You might believe that to be true without a budget, but it&#x27;s important to validate. Regular <a href="https://www.fool.com/the-ascent/credit-cards/articles/the-best-and-worst-ways-to-use-a-credit-card/">credit card usage</a> can easily mask overspending.</p><p data-block-key="chpn5">If you find that your budget doesn&#x27;t balance, hold off on investing for now. It&#x27;s too risky for your finances. Work on increasing your income or reducing your expenses as your top financial priority instead.</p></media:text> | |
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| <media:title>3. You are managing high-rate debt</media:title> | |
| <media:text type="html"><p data-block-key="7twlp">There is a school of thought that you shouldn&#x27;t invest until you&#x27;ve paid down all <a href="https://www.fool.com/investing/2018/08/25/3-reasons-you-should-start-paying-down-your-high-i.aspx">high-rate debt</a>. The numbers support this -- because you&#x27;ll pay more in interest than you&#x27;ll make investing.</p><p data-block-key="ppt9">Still, you may want to start investing before that pricey debt is fully paid down. After all, building wealth in the stock market takes time. An earlier start makes sense only when you have a realistic, manageable plan to pay down that debt.</p><p data-block-key="1leb4"></p><p data-block-key="29vjb"><a href="https://www.fool.com/the-ascent/buying-stocks/articles/should-you-invest-while-paying-off-debt-heres-what-broke-millennials-erin-lowry-thinks/">ALSO READ: Should You Invest While Paying Off Debt? Here&#x27;s What Broke Millennial&#x27;s Erin Lowry Thinks</a></p></media:text> | |
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| <media:title>4. You want to build wealth</media:title> | |
| <media:text type="html"><p data-block-key="4xile">Successful investors are motivated. Without the drive to build wealth, you may have trouble making difficult but necessary decisions. Examples include choosing to invest instead of spend, or <a href="https://www.fool.com/investing/2022/05/18/stay-invested-during-bull-and-bear-markets-to-reap/">staying invested</a> even when the market gets rocky.</p><p data-block-key="1nuo">Assess your own willingness to make tough decisions for a better financial future. If you&#x27;re only partially committed, investing may not be for you -- yet.</p></media:text> | |
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| <media:title>5. You are comfortable with some risk</media:title> | |
| <media:text type="html"><p data-block-key="9dpi2">To invest, you must be comfortable with risk. Any stock you buy can lose value unpredictably and for reasons outside your control. That&#x27;s especially true today as <a href="https://www.fool.com/investing/how-to-invest/inflation/">inflation</a> is running hot and the potential for recession looms.</p><p data-block-key="52u6v">Investors take on the risk for two main reasons. One, the growth history of stocks proves that the risk is worth the reward. And two, there are ways to manage your risk -- such as diversifying and having a <a href="https://www.fool.com/investing/how-to-invest/stocks/investment-strategies/">long-term investing</a> timeline.</p><p data-block-key="99ona"></p><p data-block-key="fnqnr"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I’d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>6. You have a cash emergency fund</media:title> | |
| <media:text type="html"><p data-block-key="ajwa2">A <a href="https://www.fool.com/investing/how-to-invest/cash-is-king/">cash savings</a> balance protects you from having to sell your investments at the wrong time (like the day the market is crashing). When unexpected expenses pop up, you&#x27;ll reach into your cash fund rather than your investment account.</p><p data-block-key="5ubq2">That way, you have the flexibility to stay invested through downturns. As long as you&#x27;re invested in <a href="https://www.fool.com/investing/stock-market/types-of-stocks/blue-chip-stocks/">quality stocks</a>, riding out bear markets generally helps you avoid unnecessary losses.</p><p data-block-key="1j20c"></p><p data-block-key="fptnj"><a href="https://www.fool.com/the-ascent/personal-finance/articles/is-your-emergency-fund-big-enough-ask-yourself-these-4-questions-to-find-out/">ALSO READ: Is Your Emergency Fund Big Enough? Ask Yourself These 4 Questions to Find Out</a></p></media:text> | |
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| <media:title>7. You have a plan</media:title> | |
| <media:text type="html"><p data-block-key="ng49i">Having an investment plan is another sign you&#x27;re ready to put your money in the stock market. You know what you want to accomplish, and you have a general approach in mind.</p><p data-block-key="aa0ba">To be clear, following a friend&#x27;s hot stock tips or buying penny stocks don&#x27;t count as plans. A better strategy is to buy into <a id="2518" linktype="page">broad-based exchange-traded funds</a> to ride on the coattails of long-term market trends. Or, if you are a stock picker, your plan will be guidelines for your decision making. For example, you&#x27;d know what qualities make for a viable investment and how you&#x27;ll handle market corrections.</p></media:text> | |
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| <media:title>8. You know about diversification</media:title> | |
| <media:text type="html"><p data-block-key="s45vv"><a href="https://www.fool.com/investing/how-to-invest/portfolio-diversification/">Diversification</a> protects you from downturns in a single stock or across an entire industry. The more exposure you have to individual stocks and different industries, the less effect each has on your overall portfolio.</p><p data-block-key="ff5s2">The general rule is to hold about 20 individual stocks, with positions across multiple economic sectors. Alternatively, you can invest in index funds. These provide diversification in a single share -- which makes them a good option if your investing budget is small.</p><p data-block-key="52mf0"></p><p data-block-key="e45ri"><a href="https://www.fool.com/investing/2020/10/17/3-reasons-diversification-is-investors-best-friend/">ALSO READ: 3 Reasons Diversification Is an Investor&#x27;s Best Friend</a></p></media:text> | |
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| <media:title>9. You know about asset allocation</media:title> | |
| <media:text type="html"><p data-block-key="u9ahp"><a href="https://www.fool.com/investing/how-to-invest/what-to-invest-in/asset-allocation/">Asset allocation</a> is diversification across asset classes, like stocks, bonds, and cash. It&#x27;s smart to invest in these different asset types as each responds differently to macro trends. Combining those varying responses into one portfolio can have an offsetting effect -- which contributes to lower overall volatility.</p><p data-block-key="7jh9j">Generally, stocks provide growth opportunity, while <a href="https://www.fool.com/investing/how-to-invest/bonds/">bonds</a> and cash provide stability. You can adjust your relative exposures to these classes to match your <a href="https://www.fool.com/investing/how-to-invest/risk-tolerance/">risk tolerance</a>.</p><p data-block-key="5un4d">A conservative asset allocation, for example, would be 60% stocks and 40% bonds. If you are young and ready to be more aggressive, you&#x27;d raise your stock percentage and lower your bond percentage.</p></media:text> | |
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| <media:title>10. You have a 401(k) or IRA</media:title> | |
| <media:text type="html"><p data-block-key="9k7ca">A retirement account with tax perks makes investing easier and cheaper. Contributions to a <a href="https://www.fool.com/retirement/plans/401k/">401(k)</a> or <a href="https://www.fool.com/retirement/plans/ira/">IRA</a> are generally tax deductible, which lowers your out-of-pocket costs. Plus, taxes on investment gains, dividends, and interest earned in those accounts are tax deferred. That allows your portfolio to grow faster.</p><p data-block-key="7grn8">The 401(k) has the advantage over the IRA of being fully automated. Once you set it up, the money gets pulled from your paycheck and invested according to your preferences -- with no work from you. This is an easy way to kick off your investing plan.</p><p data-block-key="f1psj"></p><p data-block-key="g21v"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I’d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>11. You like learning about personal finance</media:title> | |
| <media:text type="html"><p data-block-key="8elxa">The more you know about <a href="https://www.fool.com/investing/stock-market/basics/">investing</a> and <a href="https://www.fool.com/the-ascent/banks/articles/97-americans-are-making-money-management-mistake/">managing money</a>, the easier it will be to make confident decisions. Plus, investing is more fun when you enjoy the learning process.</p><p data-block-key="11itt">Make it a habit to stay in touch with what&#x27;s happening in the financial markets. Be inquisitive about what you read. Let your interests guide you into investing and personal finance learnings that&#x27;ll support you in this wealth journey.</p><p data-block-key="5hht4"></p><p data-block-key="9gsg7"><a href="https://www.fool.com/slideshow/10-investing-concepts-all-beginners-need-know/">ALSO READ: 12 Investing Concepts All Beginners Need to Know</a></p></media:text> | |
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| <media:title>13. You know how to manage stress</media:title> | |
| <media:text type="html"><p data-block-key="d8g5t"><a href="https://www.fool.com/investing/how-to-invest/stocks/stock-market-anxiety/">Investing is stressful</a>. Imagine when your account balance rises to $500,000 -- and then the stock market dips by 30%. In short order, you could see your $500,000 balance shrink to $425,000.</p><p data-block-key="5fur1">If you remain calm when this happens, you&#x27;re likely to realize that the <a href="https://www.fool.com/investing/2022/02/22/treat-a-market-correction-like-a-cup-burnt-coffee/">dip is temporary,</a> as they always are. In that scenario, doing nothing could be your best strategy.</p><p data-block-key="fi97g">On the other hand, if the stress drives you to panic, doing nothing may not seem like an option. You&#x27;ll want to exert some control over the situation. Many investors respond to that impulse by selling out and moving into cash. Sadly, selling when the market is down is a common reason why investors underperform relative to the market.</p><p data-block-key="3amv0"></p><p data-block-key="d9a7c"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I’d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>Follow your financial priorities</media:title> | |
| <media:text type="html"><p data-block-key="uw9qe">After evaluating this list, you should have a good understanding of your financial priorities. It may be time to strengthen your finances with lower debt, more cash, or more separation between your income and expenses. Or you could deepen your understanding of risk management, pick up some stress management habits, or evaluate your own commitment to wealth building.</p><p data-block-key="22voi">If you feel great in all those areas, then dive right in. Thirty years from now, you&#x27;ll look back on today as the best possible turning point in your wealth journey.</p><p data-block-key="7mku9"></p><p data-block-key="77l4d"><i>The Motley Fool has a</i> <a href="https://www.fool.com/Legal/fool-disclosure-policy.aspx"><i>disclosure policy</i></a><i>.</i></p></media:text> | |
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| <title>15 Things First-Time Landlords Should Know</title> | |
| <link>https://www.fool.com/slideshow/15-things-first-time-landlords-should-know/</link> | |
| <description>Take your real estate biz to the next level.</description> | |
| <pubDate>Mon, 24 Oct 2022 11:10:33 -0400</pubDate> | |
| <guid>9e72609d-9a7f-4021-8034-9fd68f90e33c</guid> | |
| <author>Jeremy Bowman</author> | |
| <lastBuildDate>Mon, 24 Oct 2022 11:10:33 -0400</lastBuildDate> | |
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| <media:title>So you want to be a landlord?</media:title> | |
| <media:text type="html"><p data-block-key="cy1ib">As a business, renting out property seems like a great move. If it&#x27;s well run and you have good tenants, you can basically sit back and collect passive income. However, it doesn&#x27;t always work out that easily.</p><p data-block-key="du13q">If you&#x27;re considering renting out a property, there are a few things you should know before getting started. Here are 15 things first-time landlords should be aware of.</p><p data-block-key="evm0i"></p><p data-block-key="9rr9o"><b>5 Stocks Under $49</b></p><p data-block-key="e27jo">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="t2ru">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>1. Make sure you have a lease</media:title> | |
| <media:text type="html"><p data-block-key="n09w9">Even if you&#x27;re renting to a tenant under an informal arrangement, you should have a lease with them. This is, after all, a financial relationship, and you want to have a document that spells out each side&#x27;s responsibilities. The lease should include information on late fees, property damage, pet ownership, and other common issues between landlords and tenants.</p><p data-block-key="6hete"><a id="1896" linktype="page">ALSO READ: What is Rent-to-Income Ratio?</a></p></media:text> | |
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| <media:title>2. Screen your tenants well</media:title> | |
| <media:text type="html"><p data-block-key="3dy7j">The difference between a good tenant and a bad one can mean everything to a landlord. Ideally, you&#x27;ll get a tenant who pays their rent on time and has few, if any, complaints. However, a bad tenant can make you regret becoming a landlord.</p><p data-block-key="bitsf">A bad tenant could refuse to pay you, destroy your property, or even sue you. Therefore, it&#x27;s a good idea to screen your tenants by checking their employment status, references, and credit. You can also run a background check on the tenant with their permission.</p></media:text> | |
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| <media:title>3. Know the local landlord-tenant laws</media:title> | |
| <media:text type="html"><p data-block-key="6bjsa">Local jurisdictions can vary greatly when it comes to landlord-tenant laws. It&#x27;s a good idea to know what the law supports or doesn&#x27;t support when it comes to something like evictions.</p><p data-block-key="33gc1">Other important legal issues to understand include fair housing laws, security deposits, rent increases, and tenants&#x27; rights. Having a good understanding of the law can help you avoid legal trouble and ensure that the law is on your side when dealing with tenants.</p></media:text> | |
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| <media:title>4. Prepare to handle repairs and maintenance</media:title> | |
| <media:text type="html"><p data-block-key="gze50">Being a landlord means cleaning up other people&#x27;s messes, especially when your tenants move out. You&#x27;ll likely have to do a fair amount of painting, spackling, and even drywall to repair normal wear and tear. You&#x27;ll also want to be familiar with the systems in your building so you can diagnose any problems.</p><p data-block-key="7io75">You don&#x27;t have to do all this work yourself. You can hire a handyperson or another repair tech, but you&#x27;ll want to make sure you can trust the person you&#x27;re working with.</p><p data-block-key="6oq4a"><a href="https://www.fool.com/investing/2021/11/14/are-you-landlord-material-heres-how-to-find-out/">ALSO READ: Are You Landlord Material? Here&#x27;s How To Find Out</a></p></media:text> | |
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| <media:title>5. Secure the right insurance coverage</media:title> | |
| <media:text type="html"><p data-block-key="lcru5">Every homeowner should have homeowners insurance, but you&#x27;ll need a higher level of homeowners insurance as a landlord. You&#x27;ll also want to ensure you have good liability insurance on the property to prevent yourself from getting sued if someone is injured there.</p><p data-block-key="2dbum"></p><p data-block-key="5g4l7"><b>5 Stocks Under $49</b></p><p data-block-key="di7mb">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="bok8a">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>6. Study the market</media:title> | |
| <media:text type="html"><p data-block-key="z5um9">If you&#x27;re planning to buy a property to rent, make sure you know the local market well. You&#x27;ll want to know the going rate for the kind of property you&#x27;re renting, as well as your ability to raise the rent.</p><p data-block-key="3a7a1">Additionally, it&#x27;s a good idea to be familiar with the neighborhood you&#x27;d be renting in. Who would be the prospective tenants -- students, families, retirees? It&#x27;s worth considering these questions before you buy your rental property.</p></media:text> | |
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| <media:title>7. Make sure the rental is legal</media:title> | |
| <media:text type="html"><p data-block-key="lbzjq">In most states, you&#x27;ll need a certificate of occupancy to rent out your house or apartment. You&#x27;ll also want to make sure you have the necessary permits for any improvements on the property and that the building is up to code.</p><p data-block-key="7v2ki">Running afoul of the law could get you in trouble if there&#x27;s an accident or another issue, and if you don&#x27;t have a certificate of occupancy, your tenant could be within their rights not to pay you.</p><p data-block-key="dtn41"><a id="1725" linktype="page">ALSO READ: 7 Laws To Pay Attention to Before Buying a Rental Property</a></p></media:text> | |
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| <media:title>8. Find a good banker</media:title> | |
| <media:text type="html"><p data-block-key="5nrd7">If you&#x27;re renting out to strangers, it&#x27;s a good idea to have a financial relationship that could support unexpected property costs that might arise. This could include needed repairs or, perhaps, legal fees you didn&#x27;t anticipate.</p><p data-block-key="8udod">You may want to consider getting a home equity line of credit (HELOC) on the property. However, you should be aware that the requirements are stricter than they would be if you lived in the home.</p></media:text> | |
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| <media:title>9. Know your maintenance needs</media:title> | |
| <media:text type="html"><p data-block-key="s7l1s">In addition to repairs and maintenance inside the house, you&#x27;ll likely have to deal with maintenance outside. That could include lawnmowing, snowplowing or shoveling, cleaning gutters, raking leaves, and other landscaping work.</p><p data-block-key="c69le">If you&#x27;re planning on hiring someone to do the work, you&#x27;ll want to factor that into your budget. If you&#x27;re not, be sure you understand the time commitment.</p></media:text> | |
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| <media:title>10. Create a marketing plan</media:title> | |
| <media:text type="html"><p data-block-key="8viic">Depending on how many properties you&#x27;re planning to rent, you may want to have a marketing plan. Do you want to advertise your listing on social media sites like Craigslist or online real estate brokerages like <b>Zillow</b>? Do you want to hire a broker?</p><p data-block-key="c0gkc">How much are you willing to spend on advertising? There are a number of options available to find the right tenant. Consider the one that is best for you.</p><p data-block-key="7juj1"></p><p data-block-key="12ecl"><b>5 Stocks Under $49</b></p><p data-block-key="846j8">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="62i3t">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>11. Track your rent</media:title> | |
| <media:text type="html"><p data-block-key="33jgq">Make sure your tenants know the best way to pay the rent. Are they slipping a check under your door or paying you online?</p><p data-block-key="b95mt">You&#x27;ll also need to keep track of rent payments for your own accounting and tax purposes. Depending on which state you live in, you may need to issue tenants receipts.</p><p data-block-key="erd9m"><a href="https://www.fool.com/investing/2022/08/18/whats-going-on-in-the-housing-market/">ALSO READ: What&#x27;s Going On in the Housing Market?</a></p></media:text> | |
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| <media:title>12. Understand the eviction process</media:title> | |
| <media:text type="html"><p data-block-key="kmx5x">If you think you need to evict one of your tenants, you&#x27;ll want to know what that entails ahead of time. You&#x27;ll likely have to serve your tenant with notice before eviction proceedings begin in your local housing court. Though, even if you&#x27;re victorious, you can&#x27;t do anything to retaliate against your tenant. That includes shutting off utilities or locking them out of the property.</p></media:text> | |
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| <media:title>13. Know the allowable rent increase</media:title> | |
| <media:text type="html"><p data-block-key="gobkv">As a landlord, your ability to raise the rent is key to making a profit. You should know how much you can raise the rent each year and what kind of notice you have to give your tenants.</p><p data-block-key="20kn1">Depending on state and local laws, rent increases could be tied to the consumer price index, or there may be another limit you should be aware of. The amount you can raise the rent may also be determined by the size of the building you own.</p></media:text> | |
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| <media:title>14. Consider a property manager</media:title> | |
| <media:text type="html"><p data-block-key="0nqbe">Depending on your situation and availability, you may want to hire a property manager, especially if you own multiple properties. A manager can take any spur-of-the-moment headaches off your hands and oversee regular maintenance, repairs, and other needs. While a property manager typically costs around 10% of the rent, it&#x27;s worth it if you&#x27;re busy with a job or other responsibilities.</p><p data-block-key="4iaqi"><a id="1614" linktype="page">ALSO READ: How to Invest in Real Estate: A Complete Guide</a></p></media:text> | |
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| <media:title>15. Inspect the property</media:title> | |
| <media:text type="html"><p data-block-key="jkj2s">Once your tenant moves in, you&#x27;ll have limited access to the property, so it&#x27;s a good idea to hire an inspector while the property is vacant to find any problem areas with your property. If the building needs a new roof or boiler, do it before renting out the property. An inspection can also alert you to problems that could come up down the road.</p><p data-block-key="c65fd"></p><p data-block-key="acjdk"><b>5 Stocks Under $49</b></p><p data-block-key="esa5d">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="49ifk">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>Be prepared</media:title> | |
| <media:text type="html"><p data-block-key="rnzlv">Like any other business venture, becoming a landlord exposes you to risk, so it&#x27;s best to be prepared for anything that could go wrong. Have a lease that clarifies your tenant&#x27;s responsibilities, and do your best to find responsible tenants who are a good fit for the property. If you do this effectively, you could be on your way to bringing in a new revenue stream and making the most of your rental property.</p><p data-block-key="2ulsa"><a href="https://boards.fool.com/profile/TMFHobo/info.aspx"><i>Jeremy Bowman</i></a> <i>has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Zillow Group (A shares) and Zillow Group (C shares). The Motley Fool has a</i> <a href="https://www.fool.com/legal/fool-disclosure-policy/"><i>disclosure policy</i></a><i>.</i></p></media:text> | |
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| <title>15 Markets Where Apartment Construction Is Booming Most</title> | |
| <link>https://www.fool.com/slideshow/15-markets-where-apartment-construction-is-booming-most/</link> | |
| <description>More than 420,000 units are to be completed this year, the most since 1972.</description> | |
| <pubDate>Sun, 23 Oct 2022 11:40:33 -0400</pubDate> | |
| <guid>14323fca-8849-4908-9f69-ffda8fcf023e</guid> | |
| <author>Marc Rapport</author> | |
| <lastBuildDate>Sun, 23 Oct 2022 11:40:33 -0400</lastBuildDate> | |
| <media:content type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Apartment_Complex_--_GettyImages-642901636.original.jpg"> | |
| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Apartment_Complex_--_GettyImages-642.bc87d0b0.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>Apartment construction on a pace last seen 50 years ago</media:title> | |
| <media:text type="html"><p data-block-key="xtx7h">Rising home prices and population surges into hot growth markets have helped drive a multifamily construction boom, the likes of which haven&#x27;t been seen in decades.</p><p data-block-key="fko2e">In fact, it&#x27;s been more than 50 years since this many apartment buildings were built in the United States in a single year, according to RentCafe. The listing site used data from its sister operation, Yardi Matrix, to analyze completed and projected completions that total an estimated 420,000 units by year&#x27;s end in our 125 largest metro areas.</p><p data-block-key="a90ll">Here&#x27;s a look at the 15 markets expecting the highest number of buildings with 50 or more units to complete construction during 2022. Real estate investors can consider these good locations, too, given the demand for such space.</p><p data-block-key="2bpv0"></p><p data-block-key="3nfec"><b>5 Stocks Under $49</b></p><p data-block-key="8nuld">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="4mhm3">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>1. New York City</media:title> | |
| <media:text type="html"><p data-block-key="0rxyv">RentCafe says the New York Metro is expected to see the delivery of more than 28,000 new apartment units throughout 2022. That rose sharply from the 19,051 delivered in 2021 and makes the Big Apple one of the 10 (of 20) major markets to see five-year highs this year.</p><p data-block-key="al950"><a id="1879" linktype="page">ALSO READ: How to Start Investing in Real Estate: The Basics</a></p></media:text> | |
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| <media:title>2. Dallas-Fort Worth</media:title> | |
| <media:text type="html"><p data-block-key="0rxyv">The Dallas-Fort Worth metroplex had been the national leader for four years before 2022, and the 23,571 units expected to be completed this year are down 10% from last year. But that&#x27;s still enough growth in this fast-growing market to rank No. 2 on this list.</p></media:text> | |
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| <media:title>3. Miami</media:title> | |
| <media:text type="html"><p data-block-key="0rxyv">RentCafe currently considers Miami the most competitive market in the country for apartment rentals. People hunting for space in this subtropical Florida hotspot will have 19,125 more units to vie for by the end of this year than at the end of 2021.</p><p data-block-key="4ekc3"><a href="https://www.fool.com/the-ascent/mortgages/articles/will-it-be-easier-to-buy-a-home-in-2023/">ALSO READ: Will It Be Easier to Buy a Home in 2023?</a></p></media:text> | |
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| <media:title>4. Austin, Texas</media:title> | |
| <media:text type="html"><p data-block-key="i04au">The capital of Texas has been a centerpiece of go-go growth in recent years, driven by a huge surge in relocations and expansions by tech companies large and small. RentCafe says 18,288 new apartment units will be completed here in 2022, twice as many as in 2019.</p></media:text> | |
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| <media:title>5. Houston</media:title> | |
| <media:text type="html"><p data-block-key="i04au">Houston is an international hub for the energy industry and an economic powerhouse in a lot of other ways, too. The nation&#x27;s fifth-largest metro market will add 17,759 new apartment units this year. And for the first half of the year, Houston led all markets with 4,746 new units completed.</p><p data-block-key="9iq7h"></p><p data-block-key="uh8l"><b>5 Stocks Under $49</b></p><p data-block-key="90e6t">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="2b6p5">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>6. Phoenix</media:title> | |
| <media:text type="html"><p data-block-key="c2l7m">Phoenix is our 10th-largest metro area and No. 6 this year in the number of new apartments expected for delivery by the end of 2022. RentCafe projects 15,988 new units this year -- quite a surge since the 7,655 reported in 2018.</p><p data-block-key="4jasl"><a href="https://www.fool.com/real-estate/2022/09/26/buy-now-or-wait-a-year-what-home-buyers-should-do/">ALSO READ: Buy Now or Wait a Year? What Home Buyers Should Do to Avoid Making a Big Mistake</a></p></media:text> | |
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| <media:title>7. Seattle</media:title> | |
| <media:text type="html"><p data-block-key="c2l7m">RentCafe says 15,341 new apartment units will be completed in the Seattle market during 2022. That’s a strong jump from just 9,561 in 2020 and 12,856 in 2021 in the largest metro area in the Pacific Northwest. Seattle is also home to numerous major employers, such as <b>Boeing</b>, <b>Amazon</b>, <b>Microsoft</b>, and <b>Starbucks</b>.</p></media:text> | |
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| <media:title>8. Atlanta</media:title> | |
| <media:text type="html"><p data-block-key="kb2ln">Atlanta is the largest metro in the South that doesn’t have a Texas ZIP code. RentCafe projects 12,838 apartments to be completed across Atlanta in 2022 as the population and job market keep growing in this home to such iconic companies as <b>Delta Airlines</b>, <b>Coca-Cola</b>, and <b>Home Depot</b>.</p><p data-block-key="d4vur"><a href="https://www.fool.com/real-estate/2022/05/02/is-now-the-time-to-invest-in-multifamily-real-esta/">ALSO READ: Is Now the Time to Invest in Multifamily Real Estate?</a></p></media:text> | |
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| <media:title>9. Washington, D.C.</media:title> | |
| <media:text type="html"><p data-block-key="kb2ln">RentCafe sees 12,176 new units completed throughout 2022 in the nation’s capital and environs. Besides good government jobs, this area has become a high-tech and high-end contracting hub, and Amazon’s plans to build a second headquarters here will just add to that demand for apartment space.</p></media:text> | |
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| <media:title>10. Los Angeles</media:title> | |
| <media:text type="html"><p data-block-key="i2f3v">Los Angeles is the nation&#x27;s second-largest market and ranks No. 10 on the list of new apartments expected to be delivered in 2022, at 11,536. Home to some of the nation&#x27;s priciest residential real estate, the demand for rental housing here can be expected to continue to be strong.</p><p data-block-key="c46ts"></p><p data-block-key="ei760"><b>5 Stocks Under $49</b></p><p data-block-key="2tsca">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="ev7om">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>11. Orlando, Florida</media:title> | |
| <media:text type="html"><p data-block-key="i2f3v">This mid-Florida home to Mickey and Friends is our nation&#x27;s 23rd-largest metro by population and is expected to see 11,338 new apartment units completed in 2022. That would be a five-year high for the Orlando market.</p><p data-block-key="fbvi8"><a href="https://www.fool.com/investing/2022/08/31/rental-properties-are-lots-of-work-here-are-2-effo/">ALSO READ: Rental Properties Are Lots of Work. Here Are 2 Effortless Passive Income Investments</a></p></media:text> | |
| <media:credit>Disney</media:credit> | |
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| <media:title>12. Denver</media:title> | |
| <media:text type="html"><p data-block-key="8ipw0">The U.S. Census Bureau says Denver&#x27;s metro population grew by 0.3% in 2021, to just under three million people. That influx of folks seeking to live the Rocky Mountain Way prompted investors to build 10,570 new apartment units in 2022.</p></media:text> | |
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| <media:title>13. Nashville, Tennessee</media:title> | |
| <media:text type="html"><p data-block-key="8ipw0">The fast-growing Nashville market will see an estimated 9,620 new apartment units in 2022. That&#x27;s quite a jump from the 4,369 recorded in 2019 in the home of the Grand Ole Opry and marks a five-year high, according to the Yardi Matrix data parsed by RentCafe.</p></media:text> | |
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| <media:title>14. Raleigh, North Carolina</media:title> | |
| <media:text type="html"><p data-block-key="8ipw0">North Carolina&#x27;s capital city will see 9,104 new apartment units completed in 2022, RentCafe says. Compare that to the 3,782 constructed in 2019, the 3,334 in 2020, and an additional 4,491 last year. You can see what an economic hotspot this hub of government, education, and high-tech industries has become.</p></media:text> | |
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| <media:title>15. Charlotte, North Carolina</media:title> | |
| <media:text type="html"><p data-block-key="8ipw0">Raleigh isn&#x27;t the biggest metro in North Carolina. Charlotte is about twice as big, but both grew by an eye-popping 1.5% to 2.4% in a single year, the Census Bureau says. The Queen City, a longtime banking and transportation hub, will see 8,732 new apartment units added to its inventory by year&#x27;s end, RentCafe reckons.</p><p data-block-key="4e99n"></p><p data-block-key="6n61j"><b>5 Stocks Under $49</b></p><p data-block-key="scef">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="eocqp">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>Just the times change, not the need for a nest</media:title> | |
| <media:text type="html"><p data-block-key="8ipw0">RentCafe says the last time more than 400,000 units were built nationwide in a single year was 1972. That was in the waning days of the Vietnam War and the midst of the baby boomers coming of age and forming their own households. Much has changed since then, but not everything: People need a place to live and providing them with options is still a sound way to invest.</p><p data-block-key="3k6io"><i>John Mackey, CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors.</i> <a href="https://boards.fool.com/profile/TMFColaBuckeye/info.aspx"><i>Marc Rapport</i></a><i> has positions in Amazon. The Motley Fool has positions in and recommends Amazon, Home Depot, Microsoft, and Starbucks. The Motley Fool recommends Delta Air Lines and recommends the following options: long January 2024 $47.50 calls on Coca-Cola and short October 2022 $85 calls on Starbucks. The Motley Fool has a</i> <a href="https://www.fool.com/legal/fool-disclosure-policy/"><i>disclosure policy</i></a><i>.</i></p></media:text> | |
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| <title>7 Ways Social Security Is Changing in 2023</title> | |
| <link>https://www.fool.com/slideshow/7-ways-social-security-is-changing-in-2023/</link> | |
| <description>Pay attention -- these changes could impact you.</description> | |
| <pubDate>Sun, 23 Oct 2022 08:00:30 -0400</pubDate> | |
| <guid>d1fd3f6f-f13e-417e-bc63-a70c54a1c34a</guid> | |
| <author>Maurie Backman</author> | |
| <lastBuildDate>Sun, 23 Oct 2022 08:00:30 -0400</lastBuildDate> | |
| <media:content type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Social_Security_cards_GettyImages-641228186.original.jpg"> | |
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| <media:title>A new set of rules</media:title> | |
| <media:text type="html"><p data-block-key="3hljb">Social Security serves as an important income source for millions of seniors and retirees. And although the program has been around for a very long time, it still tends to undergo changes from year to year. Here are some big changes to expect in 2023.</p><p data-block-key="bdrud"></p><p data-block-key="brrok"><b>I Can&#x27;t Believe This $17,166 Social Security Bonus Was So Easy</b> Uncover a handful of little-known &quot;Social Security secrets&quot;... including a simple process that removes the guesswork and makes it easy to earn as much as $17,166 in additional benefits every year. <a href="https://www.fool.com/ecap/i-cant-believe-this-17166-social-security-bonus-wa/?paid=8727&amp;aid=8727&amp;psource=irreditxt0000118&amp;source=irreditxt0000118&amp;ftm_veh=slideshow&amp;testId=ecap-ryr-ss-intro-report&amp;cellId=1&amp;campaign=ryr-ss-intro-report">Click here to get access to information on how you can uncover this lucrative strategy and even more insider information you won&#x27;t want to miss.</a></p></media:text> | |
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| <media:title>1. Benefits are getting an 8.7% raise</media:title> | |
| <media:text type="html"><p data-block-key="9980l">Social Security benefits are eligible for annual cost-of-living adjustments, or COLAs. The purpose of COLAs is to help seniors maintain their buying power as inflation drives living costs upward. Because inflation has been so rampant this year, seniors in 2023 will get their largest Social Security COLA in decades.</p><p data-block-key="fsvci"></p><p data-block-key="fj4fj"><a href="https://www.fool.com/retirement/2022/10/13/its-official-heres-your-social-security-raise-2023/">ALSO READ: It&#x27;s Official: Here&#x27;s Your Social Security Raise for 2023</a></p></media:text> | |
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| <media:title>2. The average monthly benefit is rising to $1,827</media:title> | |
| <media:text type="html"><p data-block-key="swoex">The current average monthly Social Security benefit is $1,681. Once next year&#x27;s 8.7% raise takes effect, it should bring the average monthly benefit up to $1,827. The hope is that an increase like that will make it possible for recipients to better manage their expenses.</p></media:text> | |
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| <media:title>3. A Medicare premium hike won't eat into 2023's COLA</media:title> | |
| <media:text type="html"><p data-block-key="swoex">People who are enrolled in Social Security and Medicare at the same time have the cost of Medicare Part B premiums deducted from their benefits. Most years, Medicare Part B costs increase, thereby taking away from recipients&#x27; COLAs. In 2023, the cost of Part B is dropping, so seniors on Medicare should get to keep their COLA in full.</p><p data-block-key="hhi0"></p><p data-block-key="fjtg9"><a href="https://www.fool.com/retirement/2022/10/10/this-medicare-change-will-help-social-security-rec/">ALSO READ: This Medicare Change Will Help Social Security Recipients Get More Out of Their 2023 Raise</a></p></media:text> | |
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| <media:title>4. The wage cap is rising</media:title> | |
| <media:text type="html"><p data-block-key="r7n3l">Social Security&#x27;s main revenue source is the payroll taxes it collects from workers. But workers don&#x27;t pay those taxes on all of their earnings necessarily. Each year, a wage cap is set that limits that amount of income that gets taxed for Social Security. This year&#x27;s wage cap is $147,000. Next year, that limit will jump up to $160,200, so higher earners will lose a lot more of their income to Social Security taxes.</p></media:text> | |
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| <media:title>5. The value of a work credit is increasing</media:title> | |
| <media:text type="html"><p data-block-key="r7n3l">To qualify for Social Security benefits in retirement, you need to accrue 40 work credits in your lifetime, and you can collect up to four per year. Right now, a single work credit is worth $1,510 of earnings. Next year, the value of a work credit will increase to $1,640.</p><p data-block-key="d230m"></p><p data-block-key="8gclr"><b>I Can&#x27;t Believe This $17,166 Social Security Bonus Was So Easy</b> Uncover a handful of little-known &quot;Social Security secrets&quot;... including a simple process that removes the guesswork and makes it easy to earn as much as $17,166 in additional benefits every year. <a href="https://www.fool.com/ecap/i-cant-believe-this-17166-social-security-bonus-wa/?paid=8727&amp;aid=8727&amp;psource=irreditxt0000118&amp;source=irreditxt0000118&amp;ftm_veh=slideshow&amp;testId=ecap-ryr-ss-intro-report&amp;cellId=1&amp;campaign=ryr-ss-intro-report">Click here to get access to information on how you can uncover this lucrative strategy and even more insider information you won&#x27;t want to miss.</a></p></media:text> | |
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| <media:title>6. The earnings-test limit is rising</media:title> | |
| <media:text type="html"><p data-block-key="5san5">Seniors can work and collect benefits from Social Security at the same time. But those who do so before reaching full retirement age risk having some benefits withheld if their incomes exceeds what&#x27;s called the earnings-test limit. This year that limit is $19,560, and next year it&#x27;s rising to $21,240. Meanwhile, the earnings-test limit for workers reaching full retirement age this year is $51,960. The limit for those reaching full retirement age next year is going up to $56,520.</p></media:text> | |
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| <media:title>7. The maximum monthly benefit is going up</media:title> | |
| <media:text type="html"><p data-block-key="5san5">To qualify for a higher monthly Social Security benefit, you need to be a higher earner during your career. Right now, the maximum monthly Social Security benefit is $3,345. Come next year, it will be $3,627.</p><p data-block-key="ctstm"></p><p data-block-key="ev0uv"><a href="https://www.fool.com/retirement/2022/10/06/why-the-maximum-monthly-social-security-benefit-co/">ALSO READ: Why the Maximum Monthly Social Security Benefit Could Become Even Harder to Get</a></p></media:text> | |
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| <media:title>Keep tabs on Social Security</media:title> | |
| <media:text type="html"><p data-block-key="5san5">Whether you&#x27;re currently collecting benefits from Social Security or expect to do so in the future, it&#x27;s important to stay abreast of changes to the program. These changes could impact your senior income, as well as your income during your working years. And the more you stay in tune to Social Security, the better equipped you&#x27;ll be to roll with updates to the program&#x27;s rules.</p><p data-block-key="2gnk3"></p><p data-block-key="8ehp0"><i>The Motley Fool has a</i> <a href="https://www.fool.com/legal/fool-disclosure-policy/"><i>disclosure policy</i></a><i>.</i></p></media:text> | |
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| <title>12 Ways To Save Money When Buying a Home</title> | |
| <link>https://www.fool.com/slideshow/12-ways-to-save-money-when-buying-a-home/</link> | |
| <description>These tips could save you thousands of dollars on your next home purchase.</description> | |
| <pubDate>Sat, 22 Oct 2022 10:10:30 -0400</pubDate> | |
| <guid>820f2955-f0f0-452a-a645-94b048477c1e</guid> | |
| <author>Liz Brumer-Smith</author> | |
| <lastBuildDate>Sat, 22 Oct 2022 10:10:30 -0400</lastBuildDate> | |
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| <media:title>Creative ways to cut homebuying costs</media:title> | |
| <media:text type="html"><p data-block-key="2qwz6">Buying a home can be an expensive endeavor. Aside from needing a hefty sum of money for a down payment, there are loads of extra fees and costs to consider. That&#x27;s why saving even the smallest amount of money can go a long way in helping pad your savings or further insulate your monthly budget.</p><p data-block-key="cee9j">If you&#x27;re looking for ways to save money on your next home purchase, consider these 12 moves.</p><p data-block-key="5cg2"><b>5 Stocks Under $49</b></p><p data-block-key="dvo75">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="24vi9">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>1. Hire an experienced Realtor</media:title> | |
| <media:text type="html"><p data-block-key="uxf4o">Hiring a real estate agent may not sound like a money-saving move, but there are major benefits to having a master negotiator on your side. Realtors can help bring down the pricing or work other cost-saving measures into your offer. Plus, since the seller is usually responsible for paying real estate agent commissions, you likely won&#x27;t have to pay for their services directly.</p></media:text> | |
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| <media:title>2. Boost your credit score before applying for a loan</media:title> | |
| <media:text type="html"><p data-block-key="vz8tu">Your credit score directly impacts your mortgage interest rate. The better the score, the better the rate. And even the smallest difference in interest rates can lead to thousands or even tens of thousands of dollars in savings over time. Paying down debt, making on-time payments consistently, and using your credit are a few ways to improve your score and lock in the best possible rate for your mortgage.</p></media:text> | |
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| <media:title>3. Shop for the best rate</media:title> | |
| <media:text type="html"><p data-block-key="vz8tu">Not all mortgage lenders are considered equal. Each lending institution has its own criteria and standards for determining a mortgage rate or pre-approval amount. It&#x27;s a good idea to shop around at different lenders to ensure you get the best mortgage rate and terms possible.</p><p data-block-key="3tnmq"><a href="https://www.fool.com/the-ascent/mortgages/how-to-mortgage-shop/">ALSO READ: How to Shop for a Mortgage</a></p></media:text> | |
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| <media:title>4. Secure a shorter loan term</media:title> | |
| <media:text type="html"><p data-block-key="j0w8x">Fifteen-year mortgages often have much better interest rates than 30-year mortgages. Securing a shorter loan will shave off 10 to 15 years of interest payments and have a lower rate, leading to major money savings.</p></media:text> | |
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| <media:title>5. Put at least 20% down</media:title> | |
| <media:text type="html"><p data-block-key="lgp4e">If you put down less than 20% of the purchase price at the time of purchase, you&#x27;ll have private mortgage insurance (PMI) added to your loan to protect the lender in the event you default. When added up over the year, PMI payments can be several thousand dollars. By putting 20% or more down, you can eliminate this altogether and save money.</p><p data-block-key="256sa"><b>5 Stocks Under $49</b></p><p data-block-key="8j2op">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="8o6cs">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>6. Take advantage of homebuying assistance programs</media:title> | |
| <media:text type="html"><p data-block-key="7fd92">Down payments are where the majority of the money goes in a home purchase. If you&#x27;re putting 20% or more down, you could need tens of thousands of dollars to buy a home. Rather than coming up with all the money yourself, you could utilize downpayment assistance programs. Local municipalities and even national agencies offer assistance programs that can help offset some of the money you&#x27;d need at the closing table.</p></media:text> | |
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| <media:title>7. Negotiate, negotiate, negotiate</media:title> | |
| <media:text type="html"><p data-block-key="t3kd0">Negotiating can save you a ton of money when purchasing a home. Price is an obvious point of negotiation, but homebuyers can negotiate other items, like requesting repairs to the property through concessions or requesting the seller to pay some or all of the closing costs. Negotiating the terms of the contract enables you to lower how much comes out of your pocket at closing.</p></media:text> | |
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| <media:title>8. Shop for a fixer-upper</media:title> | |
| <media:text type="html"><p data-block-key="hwd1l">Recently renovated or move-in-ready homes are often sold at a premium. If you aren&#x27;t interested in paying retail pricing, consider buying a fixer-upper (i.e., a home that needs some work). The more work the home needs, the deeper the discount you can usually get.</p><p data-block-key="6r5i4">Just remember, you may not be able to secure traditional financing with a fixer-upper, so you may have to get creative when it comes to financing the purchase.</p><p data-block-key="jgtu"><a href="https://www.fool.com/the-ascent/mortgages/how-to-buy-fixer-upper/">ALSO READ: How to Buy a Fixer-Upper Home</a></p></media:text> | |
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| <media:title>9. Buy in a favorable market</media:title> | |
| <media:text type="html"><p data-block-key="hwd1l">Purchasing a home in a seller&#x27;s market will often lead to less negotiating power and higher pricing. Buyer&#x27;s looking to save some money may want to consider waiting for the market to turn. If the seller&#x27;s market persists, try to use favorable timing, like the slower winter season, to buy a home.</p></media:text> | |
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| <media:title>10. Shop around for homeowners insurance</media:title> | |
| <media:text type="html"><p data-block-key="7m6s5">Homeowners insurance is a requirement for purchasing a home with financing and is an added cost many forget to consider. Property insurance, like mortgage rates, varies from company to company. Don&#x27;t be afraid to shop around for different quotes, so you ensure you have the best coverage at the best price possible.</p><p data-block-key="8m6m5"><b>5 Stocks Under $49</b></p><p data-block-key="4883g">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="7944h">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>11. Make improvements to save on property insurance</media:title> | |
| <media:text type="html"><p data-block-key="n4bkx">Property insurance relates to the risk a home carries. Avoiding high-cost neighborhoods that may require additional insurance (such as flood insurance) can save you money.</p><p data-block-key="3r46j">You could also negotiate the repair of high-risk problems on a property you like -- such as an old roof or outdated electricity or plumbing -- to help lower your monthly cost. If negotiating these repairs with the seller isn&#x27;t an option, consider addressing those problems after closing to help reduce insurance costs.</p></media:text> | |
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| <media:title>12. Make sure the property is homesteaded</media:title> | |
| <media:text type="html"><p data-block-key="9c4gd">Homesteading a property can save you as much as 45% on your property taxes. If you&#x27;re buying a home and using it as a primary residence, make sure you properly register it as a homestead to cash in on those savings.</p></media:text> | |
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| <media:title>Saving money is easier than it seems</media:title> | |
| <media:text type="html"><p data-block-key="qi60n">Utilizing a combination of these strategies will enable you to save loads of money when purchasing your next home. Just remember to stay flexible in some of your criteria to make the most of your money and don&#x27;t be afraid to shop around for the best possible deal.</p><p data-block-key="fqg3j"><i>The Motley Fool has a</i> <a href="https://www.fool.com/Legal/fool-disclosure-policy.aspx"><i>disclosure policy</i></a><i>.</i></p></media:text> | |
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| <title>15 Disastrous Retirement Planning Mistakes You Might Be Making</title> | |
| <link>https://www.fool.com/slideshow/15-disastrous-retirement-planning-mistakes-you-might-be-making/</link> | |
| <description>These common mistakes could seriously derail your long-term investing goals.</description> | |
| <pubDate>Sat, 22 Oct 2022 07:00:04 -0400</pubDate> | |
| <guid>f8ef9348-ea50-41a7-97bb-7f954f7d311a</guid> | |
| <author>Rachel Warren</author> | |
| <lastBuildDate>Sat, 22 Oct 2022 07:00:04 -0400</lastBuildDate> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Slide_14_-_concerned_business_woman_.c8d4a828.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>Investors have faced a tough market in 2022</media:title> | |
| <media:text type="html"><p data-block-key="m2v99">No matter how near or far away your retirement is, you may have found yourself thinking about it more lately given the current turbulent market. While your investment portfolio should be a significant part of your overall strategy for retirement, it&#x27;s not the only factor to consider.</p><p data-block-key="8qi2i">Let&#x27;s take a look at 15 disastrous but all too common retirement planning mistakes you might be making and should avoid at all costs.</p><p data-block-key="bssi4"></p><p data-block-key="crd29"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Retirement_GettyImages-504575346_1.b012444f.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>1. Thinking it's too early -- or even too late -- to enact a solid strategy</media:title> | |
| <media:text type="html"><p data-block-key="m2v99">Don&#x27;t have a strategy in place for your retirement? Well, now is the time to fix that.</p><p data-block-key="93u1n">Whether your retirement is many decades in the future or much closer than that, it&#x27;s never too soon or too late to plan for a more financially healthy way of life for your senior years.</p><p data-block-key="4engn"></p><p data-block-key="4be50"><a id="1053" linktype="page">ALSO READ: Retirement Planning: How to Map Out Your Financial Success</a></p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Social_Security_key_GettyImages-4804.e7b8188c.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>2. Planning to live on Social Security alone</media:title> | |
| <media:text type="html"><p data-block-key="m2v99">It&#x27;s not uncommon for people to plan to live on their Social Security income after retirement, and this can certainly be an extremely important stream of income that you will rely on in the future.</p><p data-block-key="v82v">However, it should not be the only source of income for your retirement. In fact, these benefits were never designed to fully support the cost of retirement, as they only take into account a <a href="https://www.fool.com/investing/2021/12/10/3-reasons-you-cant-live-on-social-security-alone/">portion of your pre-retirement income</a>.</p></media:text> | |
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| <media:title>3. Setting the bar for your financial retirement goals too low</media:title> | |
| <media:text type="html"><p data-block-key="m2v99">The exact amount you target to have socked away by the time you retire will be very personal to you. And it will depend on many different elements, including your spending habits, your saving habits, where you plan to retire, and how soon you plan to retire, to name just a few.</p><p data-block-key="e0aki">The average rule of thumb is to try to save anywhere from 15% to 20% of your earnings every year to put toward your retirement nest egg. Of course, this percentage may need to be adjusted depending on how soon or how late you begin putting money away for retirement, as well as how you choose to invest it, whether that be in an employer-sponsored retirement plan, an individual stock portfolio, a Roth IRA, or any or all of the above.</p><p data-block-key="at3lu">Whatever your personal financial retirement goal is, consider raising it by at least 5% to 10%. Not only can this help you better keep up with the pace of inflation as the years go by, but it can also help you plan for unexpected life events that might arise as you get older, such as unexpected healthcare costs.</p><p data-block-key="9e78g"></p><p data-block-key="8p3b1"><a href="https://www.fool.com/investing/2022/09/16/3-ways-to-grow-100000-into-1-million-for-retiremen/">ALSO READ: 3 Ways to Grow $100,000 Into $1 Million for Retirement Savings</a></p></media:text> | |
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| <media:title>4. Failing to set up and regularly contribute to your emergency fund</media:title> | |
| <media:text type="html"><p data-block-key="m2v99">No matter how old you are or what your personal financial situation is, an emergency fund should always be a key aspect of your overall financial plan. And as you plan for retirement, you should continue to fund and expand your emergency stash with time.</p><p data-block-key="2fff7">Neglecting to do so could not only put you in a financial bind if a health event or other emergency arises, but could also force you to dip into other elements of your retirement portfolio to access liquidity in a hurry.</p></media:text> | |
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| <media:title>5. Forgetting to diversify your streams of retirement income</media:title> | |
| <media:text type="html"><p data-block-key="m2v99">Diversification is a wise strategy in many areas of your financial life, and planning for your retirement is no exception. From income stemming from sources like <a href="https://www.fool.com/investing/2022/09/19/huge-social-security-increase-things-retiree-know/">Social Security</a> and pensions to brokerage accounts, 401(k) funds, <a href="https://www.fool.com/the-ascent/banks/best-savings-accounts/">high-yielding savings accounts</a>, <a href="https://www.fool.com/the-ascent/banks/best-cd-rates/">certificates of deposit</a><span style="text-decoration: underline">,</span style="text-decoration: underline"> and real estate, the more sources of income you have, the better.</p><p data-block-key="fmodf">If one runs dry quicker than you anticipated or doesn&#x27;t perform as you had hoped, you will have other streams of income to fall back on.</p><p data-block-key="69glg"></p><p data-block-key="3kc20"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>6. Skipping out on investing regularly</media:title> | |
| <media:text type="html"><p data-block-key="m2v99">Investing should be <a href="https://www.fool.com/investing/2022/09/04/investing-is-crucial-to-retiring-rich-heres-why/">a key part of your retirement strategy</a>, and the earlier you start, the better. The stock market is a fantastic place to build and sustain wealth, but it takes patience, time, and consistency to achieve the results you desire.</p><p data-block-key="3diji">Even if you&#x27;re closer to retirement and are just starting to invest in the stock market, that doesn&#x27;t mean you have to miss out -- but the <a href="https://www.fool.com/investing/2022/08/11/4-index-funds-to-retire-a-millionaire/">types of investments</a> you choose and <a href="https://www.fool.com/investing/stock-market/types-of-stocks/safe-stocks/">the way you invest your capital</a> will likely look different and require a more laser-focused approach than if retirement were further around the bend.</p><p data-block-key="15i1h">By investing <a href="https://www.fool.com/investing/2022/09/14/ready-to-get-rich-in-the-stock-market-5-investment/">in a mixture of companies</a> that span different industries, you can amplify and balance your potential returns while helping to build a more robust nest egg for retirement.</p><p data-block-key="4vdfd"></p><p data-block-key="amotk"><a href="https://www.fool.com/investing/2022/09/16/answer-4-questions-before-claimng-social-security/">ALSO READ: If You Can&#x27;t Answer These 4 Questions, You&#x27;re Not Ready for Social Security</a></p></media:text> | |
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| <media:title>7. Forgoing dividend-paying investments</media:title> | |
| <media:text type="html"><p data-block-key="m2v99">Dividend stocks are the friend of any investor. Not only can dividend stocks increase the overall returns your portfolio realizes with time, but those consistent payments -- which usually occur on a quarterly basis-- provide additional funds you can reinvest regularly.</p><p data-block-key="bfbo2">When you&#x27;re planning your retirement strategy, don&#x27;t discount <a href="https://www.fool.com/investing/2022/09/18/3-no-brainer-high-yield-dividend-stocks-buy-now/">dividend stocks</a> as a viable source of income that you can use to help sustain yourself financially in the future.</p></media:text> | |
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| <media:title>8. Investing based on current market dynamics rather than a defined long-term financial plan</media:title> | |
| <media:text type="html"><p data-block-key="m2v99">Your approach to investing in the stock market for retirement can and should depend on several different components. For example, your timeline to retirement, your short-term (several years away) and long-term (five or more years away) goals for your life and finances apart from retirement, and how conservative or aggressive an investor you tend to be are all important to consider.</p><p data-block-key="eoda4">You should also contemplate how much capital you plan to invest regularly and your overall goals for your nest egg in determining <a href="https://www.fool.com/investing/stock-market/types-of-stocks/">the types of stocks you buy</a> and how much you invest in each.</p><p data-block-key="c875a">Considering these elements is all part of building a robust investment strategy that you can implement and adjust as the years go by and you get closer to retirement.</p><p data-block-key="5d81v"></p><p data-block-key="9mt91"><a href="https://www.fool.com/investing/2022/09/16/how-to-use-your-hsa-as-a-retirement-plan/">ALSO READ: How to Use Your HSA as a Retirement Plan</a></p></media:text> | |
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| <media:title>9. Carrying long-term debt</media:title> | |
| <media:text type="html"><p data-block-key="m2v99">Debt is a burden that constantly looms over your head and will not only rob you of your peace of mind but your financial security as well. While not all debt is the same, and some forms of debt (for example, to buy an asset such as a house that appreciates with time) can even be beneficial to your financial life, you don&#x27;t want to retire with it if you can help it.</p><p data-block-key="3am9b">If you have substantial debt to pay down and you&#x27;re worried you may not be rid yourself of it before you reach retirement, now is an excellent time to establish a plan that you can stick with to divest yourself of as much debt as possible.</p><p data-block-key="p8c6">Train your focus on high-interest debt first and foremost, and work your way down to the least damaging forms of debt if you&#x27;re unable to pay it off all at once.</p></media:text> | |
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| <media:title>10. Cashing out of the stock market during volatile periods</media:title> | |
| <media:text type="html"><p data-block-key="m2v99">What you <i>should not</i> build your retirement investment strategy around are near-term market dynamics that shift and alter constantly. It may be tempting to give in to this approach and attempt to time the market, especially with the current choppiness investors have been witnessing in the market lately.</p><p data-block-key="bbklm">However, this isn&#x27;t a strategy that holds up consistently, and it could result in you losing more money in the end. It is wise to be <a href="https://www.fool.com/investing/2022/09/18/should-you-really-buy-stocks-now-or-wait-a-while-l/">more prudent than ever with the money you invest</a> and to only invest in stocks you&#x27;re truly comfortable holding onto for the long term.</p><p data-block-key="8bn7r"></p><p data-block-key="34rmg"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>11. Overshooting your retirement timeline</media:title> | |
| <media:text type="html"><p data-block-key="m2v99">While the standard retirement age is 65 in the U.S., many people choose to work well after this point in life. Others plan to retire much sooner. Whatever your personal retirement strategy, it&#x27;s important not to overestimate your retirement deadline and not save enough on the basis of that goal.</p><p data-block-key="2aoet">Life is unpredictable, and it&#x27;s better to have <a href="https://www.fool.com/investing/2022/07/31/1-in-5-workers-say-retirement-savings-off/">sufficient funds saved</a> sooner than you think you&#x27;ll need them than to be caught unprepared and forced to bow out of the workforce earlier than you had expected with an insufficient nest egg.</p><p data-block-key="cg6cu"></p><p data-block-key="bdnr7"><a href="https://www.fool.com/retirement/social-security/2022/09/16/decide-when-you-should-claim-social-security-by-an/">ALSO READ: Decide When You Should Claim Social Security by Answering This 1 Question</a></p></media:text> | |
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| <media:title>12. Withdrawing Social Security benefits too soon</media:title> | |
| <media:text type="html"><p data-block-key="m2v99">There are <a href="https://www.fool.com/investing/2022/08/23/i-want-to-claim-social-security-at-70-heres-why-i/">many reasons</a> that people might choose to <a href="https://www.fool.com/investing/2022/09/17/should-you-claim-social-security-early-to-invest/">withdraw Social Security benefits before their full retirement age</a>, but doing so can have a number of unwelcome consequences. For one, not only will you cut the benefits available to you but you may have certain benefits held back if you are still actively employed.</p><p data-block-key="aafc9">In most cases, you&#x27;ll gain the most financial benefit by waiting until you reach full retirement age or longer (your claimable benefits will rise each year you wait until you hit 70) to access your Social Security income.</p></media:text> | |
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| <media:title>13. Overlooking employer-sponsored retirement plans</media:title> | |
| <media:text type="html"><p data-block-key="m2v99">If you work for someone else, you likely have access to a retirement plan through your employer. While there are several <a href="https://www.fool.com/retirement/plans/employer-sponsored/">different types of plans</a> your employer might offer, these are often a prudent choice to park some of your cash as <a href="https://www.fool.com/investing/2022/09/07/why-im-saving-for-retirement-in-more-than-1-accoun/">part of your overall investing and saving strategy</a> for retirement, particularly if your employer offers a matching option.</p><p data-block-key="fs6ud">Even if <a href="https://www.fool.com/retirement/plans/self-employed/">you&#x27;re self-employed</a>, there are still options for you, including <a href="https://www.fool.com/retirement/plans/solo-401k/">solo 401(k)s</a>, <a href="https://www.fool.com/retirement/plans/ira/traditional-ira/">traditional IRAs</a>, and <a href="https://www.fool.com/retirement/plans/roth-ira/">Roth IRAs</a>, to name a few.</p><p data-block-key="csjcp"></p><p data-block-key="1ou7g"><a href="https://www.fool.com/investing/2022/09/15/social-security-2023-cola-its-good-news-bad-news/">ALSO READ: Social Security&#x27;s 2023 COLA: It&#x27;s a Good News/Bad News Scenario</a></p></media:text> | |
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| <media:title>14. Failing to increase what you put toward your retirement nest egg as your income increases</media:title> | |
| <media:text type="html"><p data-block-key="m2v99">While not guaranteed, the goal is that your income will increase over your working life as you gain more experience and expertise in your chosen field or fields.</p><p data-block-key="1rivf">Rather than increasing your cost of living as your income does -- which is an easy trap to fall into -- aiming to boost your contributions to your nest egg as your income grows could make your retirement years considerably more comfortable.</p><p data-block-key="2a2a9">That doesn&#x27;t mean you shouldn&#x27;t enjoy your hard-earned money before retirement, but making a habit of saving more as you earn more should factor into the picture.</p></media:text> | |
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| <media:title>15. Not factoring taxes into your savings target</media:title> | |
| <media:text type="html"><p data-block-key="m2v99">Ah, taxes. Different components of your nest egg will be taxed at different rates, and you will need to factor this into your overall savings target.</p><p data-block-key="4tet">For example, you may have to pay federal taxes on your Social Security income depending on the amount of the benefit involved, and different states have different rules regarding taxation on the local level.</p><p data-block-key="f09hq">You will also have to pay taxes such as <a href="https://www.fool.com/investing/how-to-invest/stocks/capital-gains-tax/">capital gains</a> and withdrawals from <a href="https://www.fool.com/retirement/taxes/">certain retirement accounts</a>, to offer a few other potential sources of taxation.</p><p data-block-key="dj8un"></p><p data-block-key="f9ehm"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only</a>.</p></media:text> | |
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| <media:title>Planning for your future</media:title> | |
| <media:text type="html"><p data-block-key="m2v99">While your retirement may seem like a distant reality now, planning for a better financial future is about <a href="https://www.fool.com/retirement/strategies/income/">implementing a consistent, decisive strategy</a> that you build on over the years, rather than a few bold financial moves made sporadically over time.</p><p data-block-key="20jq7">If you start by putting just a few hundred dollars a month into your nest egg and increase your contribution from there, getting started is what counts.</p><p data-block-key="ceou">Even if life events beyond your control have prevented you from enacting a more solid retirement plan until now, you can still make effective changes and decisions that give you greater peace of mind and confidence about the future.</p><p data-block-key="43l70"></p><p data-block-key="aa5tv"><i>The Motley Fool has a</i> <a href="http://www.fool.com/Legal/fool-disclosure-policy.aspx"><i>disclosure policy</i></a><i>.</i></p></media:text> | |
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| <title>8 Reasons You Should -- and Shouldn't -- Refinance Before 2022 Ends</title> | |
| <link>https://www.fool.com/slideshow/8-reasons-you-should-and-shouldnt-refinance-before-2022-ends/</link> | |
| <description>Does it pay to get a new home loan this year?</description> | |
| <pubDate>Fri, 21 Oct 2022 10:10:15 -0400</pubDate> | |
| <guid>068815bb-8864-4c95-a7af-6ec4a44f7478</guid> | |
| <author>Maurie Backman</author> | |
| <lastBuildDate>Fri, 21 Oct 2022 10:10:15 -0400</lastBuildDate> | |
| <media:content type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/17_-_getting_the_wrong_kind_of_mortgage_-_Getty.original.jpg"> | |
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| <media:title>It's a tricky time to refinance</media:title> | |
| <media:text type="html"><p data-block-key="zlowu">Refinancing a mortgage is a great way to save money on your housing costs. But it&#x27;s important to refinance at the right time. With that in mind, here are some reasons you should and shouldn&#x27;t move forward with a refinance in the next couple of months.<br/></p><p data-block-key="9jsc3"><b>5 Stocks Under $49</b></p><p data-block-key="dn5hh">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="alf2p">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>1. You should refinance if you want to take advantage of higher home equity levels</media:title> | |
| <media:text type="html"><p data-block-key="e76sj">Right now, home values are up across the board. And that means you may be sitting on more equity than usual. If you need a pile of money, a cash-out refinance could be a good way to get it. But if you wait too long, your home value might drop, leaving you less flexibility on the cash-out-refinance front.</p><p data-block-key="6dudq"><a href="https://www.fool.com/the-ascent/mortgages/what-is-cash-out-refinance/">ALSO READ: What Is a Cash-Out Refinance and How Does It Work?</a></p></media:text> | |
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| <media:title>2. You should refinance if you need to consolidate even costlier debt</media:title> | |
| <media:text type="html"><p data-block-key="yweht">Refinance rates are high. But if you owe money on a credit card, the interest rate on your debt may be even higher. And so it could pay to do a cash-out refinance and use that extra money to pay off your credit cards.</p></media:text> | |
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| <media:title>3. You should refinance if you can somehow lower your mortgage's interest rate</media:title> | |
| <media:text type="html"><p data-block-key="yweht">Mortgage rates are higher now than they&#x27;ve been in a long time. But it may be that the interest rate on your current mortgage is even higher. If today&#x27;s rates are lower than what you&#x27;re paying, a refinance could make sense.</p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/man_typing_on_laptop_GettyImages-511.a65ec626.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>4. You shouldn't refinance because interest rates are super high</media:title> | |
| <media:text type="html"><p data-block-key="yweht">While refinancing could make sense for some borrowers in the next few months, you should know that borrowing rates are quite high. And so you may not reap a whole lot of savings if you go the refinancing route. Plus, you&#x27;ll have to pay closing costs on your new loan.</p><p data-block-key="4d78r"><a href="https://www.fool.com/the-ascent/mortgages/refinancing-closing-costs/">ALSO READ: Closing Costs for Refinancing: Here&#x27;s What You Need to Know</a></p></media:text> | |
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| <media:title>5. You shouldn't refinance if you don't have a pressing need to take money out of your home</media:title> | |
| <media:text type="html"><p data-block-key="m1p2v">It&#x27;s one thing to do a cash-out refinance because you need money right away. But if you don&#x27;t have that need, then now&#x27;s not a great time to do a traditional refinance. You&#x27;re likely to get stuck with an interest rate you aren&#x27;t thrilled with.<br/></p><p data-block-key="ci1b6"><b>5 Stocks Under $49</b></p><p data-block-key="2poca">Presented by <i>Motley Fool Stock Advisor</i></p><p data-block-key="bg70s">We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I&#x27;d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>6. You shouldn't refinance if your credit score needs work</media:title> | |
| <media:text type="html"><p data-block-key="m1p2v">The higher your credit score, the lower the rate you&#x27;re likely to snag on a mortgage refinance -- or any loan, for that matter. But if your credit score isn&#x27;t so great, you should probably wait on refinancing. You may get stuck with an even higher mortgage rate due to coming off as a risky borrower.</p><p data-block-key="ctte9"><a href="https://www.fool.com/the-ascent/credit-cards/articles/4-credit-card-habits-that-will-ruin-your-credit-score/">ALSO READ: 4 Credit Card Habits That Will Ruin Your Credit Score</a></p></media:text> | |
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| <media:title>7. You shouldn't refinance if you might move in the near term</media:title> | |
| <media:text type="html"><p data-block-key="95p36">When you refinance a mortgage, you pay closing costs to finalize that loan. Those fees could equal up to 5% of your loan amount. It&#x27;s important to stay in your home long enough to recoup those costs. But if you plan to move soon, that may not happen.</p></media:text> | |
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| <media:title>8. You shouldn't refinance if your current mortgage rate is fairly low</media:title> | |
| <media:text type="html"><p data-block-key="95p36">Mortgage rates have gone way up since the start of the year. So if the interest rate on your existing loan is fairly low, you may want to keep your current mortgage -- even if you&#x27;re interested in taking cash out of your home. In that situation, you could always look at other borrowing options, like a home equity loan or home equity line of credit (HELOC).</p><p data-block-key="6otg0"><a href="https://www.fool.com/the-ascent/mortgages/best-heloc-lenders/">ALSO READ: Best HELOC Lenders of October 2022</a></p></media:text> | |
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| <media:title>Make the right call</media:title> | |
| <media:text type="html"><p data-block-key="95p36">For most borrowers, refinancing probably won&#x27;t make sense over the next two months. But that doesn&#x27;t mean there aren&#x27;t exceptions. Ultimately, you&#x27;ll need to evaluate your personal circumstances when deciding whether it pays to refinance before 2022 wraps up.</p><p data-block-key="3ojlm"><i>The Motley Fool has a</i> <a href="https://www.fool.com/legal/fool-disclosure-policy/"><i>disclosure policy</i></a><i>.</i></p></media:text> | |
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| <title>15 Investing Concepts to Know Before You Buy Stocks</title> | |
| <link>https://www.fool.com/slideshow/15-investing-concepts-to-know-before-you-buy-stocks/</link> | |
| <description>Be a knowledgeable investor and you're more likely to be a wealth investor.</description> | |
| <pubDate>Fri, 21 Oct 2022 07:00:29 -0400</pubDate> | |
| <guid>e2543f9a-b7e6-435c-bf5b-5ab0bf8e5785</guid> | |
| <author>Catherine Brock</author> | |
| <lastBuildDate>Fri, 21 Oct 2022 07:00:29 -0400</lastBuildDate> | |
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| <media:title>What you don't know can hurt you</media:title> | |
| <media:text type="html"><p data-block-key="fl6et">Investing in the <a href="https://www.fool.com/investing/stock-market/">stock market</a> is one of the most accessible ways to build wealth over time. The trouble is, you can also lose wealth -- and fast.</p><p data-block-key="aoncf">Give yourself a running start at investing success by learning some basic concepts now. You&#x27;ll be more likely to avoid the biggest, most common investing mistakes. Plus you&#x27;ll feel more comfortable creating an appropriate investing strategy and managing your own risk.</p><p data-block-key="9bvb0">Here are 15 easy-to-understand investing concepts that&#x27;ll help you invest smarter. The end result should be a shorter, less stressful path to future wealth.</p><p data-block-key="5hnln"></p><p data-block-key="388q8"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I’d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>1. Compound earnings</media:title> | |
| <media:text type="html"><p data-block-key="nwp46"><a href="https://www.fool.com/investing/how-to-invest/stocks/compound-interest/">Compound earnings</a> refers to making money on your initial investment and on your earnings from that investment.</p><p data-block-key="9us1u">Say you buy a stock for $100 and the value increases 10% to $110. You now have $10 in unrealized gains plus the $100 that was your starting investment. If the stock rises another 10%, the increase won&#x27;t be $10 again -- it&#x27;ll be $11. This is because your earnings and your initial investment are appreciating.</p><p data-block-key="enbnt">In real life, of course, stocks don&#x27;t go up continuously without a few downturns. But if you wait long enough, your earnings on earnings can generate far more wealth than your initial investment.</p><p data-block-key="80q6s"></p><p data-block-key="fapf6"><a href="https://www.fool.com/investing/2022/08/16/beyond-passive-income-compounding-is-what-really-c/">ALSO READ: Beyond Passive Income: Compounding Is What Really Creates Wealth</a></p></media:text> | |
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| <media:title>2. Investing purpose</media:title> | |
| <media:text type="html"><p data-block-key="xqyuy">Before you begin <a href="https://www.fool.com/investing/how-to-invest/stocks/">trading stocks</a>, spend some time defining why you want to invest. You might be looking to build retirement wealth, turn some quick profits, or something in between. Defining your goal will help you make consistent, purposeful trading decisions. After all, the stocks you buy for retirement wealth are not the same stocks you&#x27;d buy for fast gains.</p></media:text> | |
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| <media:title>3. Buy and hold</media:title> | |
| <media:text type="html"><p data-block-key="7layn"><a id="3004" linktype="page">Buy and hold</a> is an investment style that requires you to purchase stocks you plan to hold indefinitely. This is very different from buying stocks you think will appreciate in the next week, month, or year. With a buy-and-hold strategy, your main goal is to generate long-term wealth through compounding.</p><p data-block-key="9ivgd">That takes time, but it can be less risky than frequent trading. This is because the stock market generally shows more consistent growth over long periods of time versus shorter ones. The longer you stay invested in a diversified portfolio, the more likely you are to see gains.</p><p data-block-key="egovk"></p><p data-block-key="8g11o"><a href="https://www.fool.com/investing/2022/10/08/got-1000-5-buffett-stocks-to-buy-and-hold-forever/">ALSO READ: Got $1,000? 5 Buffett Stocks to Buy and Hold Forever</a></p></media:text> | |
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| <media:title>4. Risk and return</media:title> | |
| <media:text type="html"><p data-block-key="kqleo"><a href="https://www.fool.com/investing/2022/04/25/can-you-get-a-risk-free-return-near-10-percent/">Risk and return</a> go together. While there are strategies you can take to manage risk, you cannot eliminate it from your investments. And usually, assets with high return potential also have high risk.</p><p data-block-key="6bea4">The main implication here is that there is no such thing as a can&#x27;t-lose investment. If an asset can rise in value, it can also fall.</p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/6_worried_woman_looking_at_piece_of_.34067f7d.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>5. Systematic risk</media:title> | |
| <media:text type="html"><p data-block-key="nazwq">There are different types of risk to understand as an investor. Systematic risk is the type that affects the entire stock market rather than a single industry or stock.</p><p data-block-key="ao1f3">Economic and political factors influence broader <a href="https://www.fool.com/investing/how-to-invest/stocks/trend-reversal/">stock market trends</a>. You see this in the financial headlines -- high inflation reports prompt many stocks to decline, while better-than-expected jobs reports can cause many stocks, across different industries, to rise.</p><p data-block-key="aii0f">You can&#x27;t avoid systematic risk. You can only manage it somewhat through asset allocation.</p><p data-block-key="2km3c"></p><p data-block-key="8sbi1"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I’d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>6. Asset allocation</media:title> | |
| <media:text type="html"><p data-block-key="ia2em"><a href="https://www.fool.com/investing/how-to-invest/what-to-invest-in/asset-allocation/">Asset allocation</a> is the composition of your investments across different asset classes, such as stocks, bonds, real estate, and cash.</p><p data-block-key="h86c">Each asset class responds in its own way to economic, financial, and political factors. When the economy is weak, for example, stocks may lose value while bonds become more attractive to investors. Combining these different, sometimes offsetting behavior patterns into one portfolio can reduce overall volatility.</p><p data-block-key="4hc"></p><p data-block-key="92hl5"><a href="https://www.fool.com/retirement/strategies/asset-allocation-by-age/">ALSO READ: 5 Things to Know About Asset Allocation</a></p></media:text> | |
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| <media:title>7. Rebalancing</media:title> | |
| <media:text type="html"><p data-block-key="jsl7n">Rebalancing is the process of restoring a targeted asset allocation. Say you&#x27;ve decided that a conservative allocation of 60% stocks and 40% bonds is where you feel comfortable. This composition provides some growth opportunity through your stocks but anchors that growth with the stability of <a href="https://www.fool.com/investing/how-to-invest/bonds/">bonds</a>.</p><p data-block-key="8ps50">In a rising stock market, your 60% stock holdings will appreciate to 61%, 62%, and so on. As your relative stock exposure rises, your asset allocation gradually gets more aggressive. Rebalancing addresses this problem.</p><p data-block-key="8qqrn">To rebalance, you&#x27;d sell a portion of your stock holdings and use the proceeds to buy bonds.</p><p data-block-key="bfb2p"></p><p data-block-key="948r5"><a href="https://www.fool.com/investing/2022/07/12/it-doesnt-matter-how-you-rebalance-just-that-you-d/">ALSO READ: It Doesn&#x27;t Matter How You Rebalance, Just That You Do</a></p></media:text> | |
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| <media:thumbnail type="image/jpeg" url="https://m.foolcdn.com/media/dubs/images/Slide_10_-_young_woman_sitting_at_co.889510dd.fill-75x55.jpg"></media:thumbnail> | |
| <media:title>8. Unsystematic risk</media:title> | |
| <media:text type="html"><p data-block-key="ztvfq">Unsystematic risk affects only one industry or company. Regulatory changes that affect all automakers or a class action lawsuit that impacts a single pharmaceutical company are two examples.</p><p data-block-key="1mn1r">There are several types of unsystematic risk. A single company could falter due to an aggressive <a href="https://www.fool.com/investing/how-to-invest/stocks/beginners-guide-financial-statements/balance-sheet/">debt structure</a>, operational or strategic missteps, or legal issues.</p><p data-block-key="7p0hp">You can address unsystematic risk through diversification.</p></media:text> | |
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| <media:title>9. Diversification</media:title> | |
| <media:text type="html"><p data-block-key="4omf9"><a href="https://www.fool.com/investing/how-to-invest/portfolio-diversification/">Diversification</a> is the practice of holding a variety of assets in your portfolio. To reduce your reliance on a single company&#x27;s success, for example, you&#x27;d hold 20 or more individual stocks. Ideally, those 20 stocks would be spread across all economic sectors. That, in turn, lowers your reliance on a single sector&#x27;s performance.</p><p data-block-key="f8qud">You can also diversify across geographies and company size.</p><p data-block-key="1v54h"></p><p data-block-key="8vuee"><a href="https://www.fool.com/investing/2022/04/12/3-things-investors-get-wrong-about-diversification/">ALSO READ: 3 Things Beginning Investors Can Get Painfully Wrong About Diversification</a></p></media:text> | |
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| <media:title>10. Dollar-cost averaging</media:title> | |
| <media:text type="html"><p data-block-key="ee4l6"><a href="https://www.fool.com/investing/stock-market/basics/dollar-cost-averaging/">Dollar-cost averaging</a>, or DCA, is the practice of investing a small sum regularly versus a large sum all at once. Say your investing budget is $2,400 annually. You could invest this amount once a year or you could invest $200 monthly. The latter strategy is DCA.</p><p data-block-key="9v8l9">DCA reduces your timing risk, which is the chance of paying too much for a stock due to the timing of your trade. A regular, monthly investment gives you access to 12 buy prices rather than just one. In time, these should average out to a cost that generally reflects the stock&#x27;s value.</p><p data-block-key="f0lms"></p><p data-block-key="6dl0v"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I’d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>11. Inflation</media:title> | |
| <media:text type="html"><p data-block-key="2p90y">Dollars lose purchasing power over time. This results in <a href="https://www.fool.com/investing/how-to-invest/inflation/">inflation</a>, or the gradual rise of prices.</p><p data-block-key="332pc">Inflation offsets your investment returns. If your assets appreciate 10% this year but inflation is 8%, your net gain is 2%.</p><p data-block-key="acpft">This is an important concept to understand when you are projecting long-term investment performance. If you don&#x27;t account for inflation into your retirement savings plan, you may reach your wealth goals in dollars -- but those dollars will buy a lot less than you expected.</p><p data-block-key="8ta84">Note that the long-term <a href="https://www.fool.com/investing/how-to-invest/stocks/average-stock-market-return/">average annual growth rate</a> of the stock market, net of inflation, is just under 7%.</p></media:text> | |
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| <media:title>12. Rule of 72</media:title> | |
| <media:text type="html"><p data-block-key="ghhhn">The rule of 72 is a quick formula that estimates how long it takes to double your money at a given growth rate. Simply divide 72 by your expected growth rate. The answer is your doubling time in years. So, funds invested at 7% should double in about 10 years and four months.</p><p data-block-key="d9ukc">You can also use the formula to estimate the growth rate needed to double your money in a certain number of years. Doubling your investment in five years, for example, would require an annual return of 14.4% -- or 72 divided by 5.</p><p data-block-key="att08"></p><p data-block-key="736bm"><a href="https://www.fool.com/retirement/2019/07/17/how-the-rule-of-72-can-help-you-get-rich.aspx">ALSO READ: How the Rule of 72 Can Help You Get Rich</a></p></media:text> | |
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| <media:title>13. Cash is king</media:title> | |
| <media:text type="html"><p data-block-key="312e5">One risk of investing is that your stocks will lose value just when you need to liquidate. Liquidating when stock prices are down produces less cash than you&#x27;d like. Depending on the situation, it often works out better long term to wait for the stock price to recover before you sell.</p><p data-block-key="4fddr">Having <a href="https://www.fool.com/investing/how-to-invest/cash-is-king/">cash on hand</a> outside your investment portfolio gives you that option. If an emergency pops up, you can pull funds from your cash account -- rather than liquidating from your investment account at the worst possible time.</p></media:text> | |
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| <media:title>14. Passive investing</media:title> | |
| <media:text type="html"><p data-block-key="s6i26">Passive investors buy <a href="https://www.fool.com/investing/how-to-invest/index-funds/">index funds</a> and hold them long term. Index funds mimic their underlying indexes, such as the <b>S&amp;P 500</b>, the <b>Wilshire 5000</b>, or the <b>U.S. Aggregate Bond Market</b>.</p><p data-block-key="1ioln">The goal of <a href="https://www.fool.com/investing/how-to-invest/active-vs-passive-investing/">passive investing</a> is to track with the market, rather than beat it. The stock market historically has grown at about 7% annually after inflation over long periods of time. Targeting this market-level growth can be less risky (and easier) than attempting to beat the market through frequent trading.</p><p data-block-key="2vtfa"></p><p data-block-key="dmr4q"><a href="https://www.fool.com/investing/2022/10/09/the-bear-market-is-becoming-a-passive-income-inves/">ALSO READ: The Bear Market Is Becoming a Passive Investor&#x27;s Dream</a></p></media:text> | |
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| <media:title>15. Contrarian investing</media:title> | |
| <media:text type="html"><p data-block-key="11qc6">Contrarian investors go against the grain. When most other investors are buying a certain stock or industry, contrarians are selling. And when other investors sell, contrarians buy. In doing so, you capitalize on low share prices as buying opportunities and take profits when share prices are high.</p><p data-block-key="bp5ct"><a href="https://www.fool.com/investing/how-to-invest/stocks/contrarian-investing/">Contrarian investing</a> requires a long investing timeline, because changes in investor preferences can take years to develop. You can see this by reviewing the history of tech stocks as an example. They were very hot in the late 1990s. Then the dot-com bubble burst and they fell out of favor. Ten years after that, tech companies regained their popularity. That strong run lasted another 10 years or so.</p><p data-block-key="565m7"></p><p data-block-key="aeait"><b>5 Stocks Under $49<br/></b>Presented by <i>Motley Fool Stock Advisor<br/></i>We hear it over and over from investors, &quot;I wish I had bought Amazon or Netflix when they were first recommended by The Motley Fool. I’d be sitting on a gold mine!&quot; It&#x27;s true, but we think these 5 other stocks are screaming buys. And you can buy them now for less than $49 a share! <a href="https://www.fool.com/ecap/5-stocks-under-49/?aid=9394&amp;paid=isaeditxt0000737&amp;source=isaeditxt0000737&amp;ftm_veh=slideshow&amp;testId=e-sa-5-stocks-under-50&amp;cellId=5&amp;campaign=sa-5-free-stocks-under-50">Click here to learn how you can grab a copy of &quot;5 Growth Stocks Under $49&quot; for FREE for a limited time only.</a></p></media:text> | |
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| <media:title>Invest intentionally</media:title> | |
| <media:text type="html"><p data-block-key="k7sq2">Investing doesn&#x27;t require a lot of technical knowledge, but it does require intention and discipline. Ideally, you have an investing goal that influences your strategy and asset allocation. From there, you make decisions about diversification and investing cadence to manage your timing risk and growth over time.</p><p data-block-key="9ff86">Follow those practices, and you&#x27;re on your way to creating real wealth for your future.</p><p data-block-key="57gc5"></p><p data-block-key="dnjti"><i>The Motley Fool has a</i> <a href="https://www.fool.com/Legal/fool-disclosure-policy.aspx"><i>disclosure policy</i></a><i>.</i></p></media:text> | |
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