11 common mistakes to avoid when investing in ETFs

11 common mistakes to avoid when investing in ETFs
Investing in Exchange-Traded Funds (ETFs) offers a simple and diversified way to participate in the financial markets. But, even experienced investors can make some mistakes that can hinder the growth of their investment portfolio. So, it is essential to understand the common ETF-investing mistakes and learn how to avoid them. Whether newbies or seasoned investors, understanding some common pitfalls can help investors make informed decisions and achieve their financial goals. Neglecting research – the foundation of sound investing Before venturing into the ETF market, conducting thorough research is essential. Many investors overlook this critical step, which can lead to uninformed decisions and potential losses. Take the time to understand the underlying assets, investment objectives, and historical performance of the ETFs. Neglecting research can result in significant setbacks. With thorough research, one can make informed decisions to mitigate risks and maximize investment potential. Overlooking expense ratios – the silent erosion of returns The expense ratio is one of the most commonly overlooked aspects of ETF investing. While it may appear insignificant at first glance, the expense ratio can have a great impact on one’s investment returns over time. Higher fees can eat into one’s profits and erode long-term gains, making it crucial to evaluate the expense ratios of ETFs carefully.

Top 7 work from home jobs to consider

Top 7 work from home jobs to consider
Depending on one’s work industry, certain people have the luxury of earning a living through work-from-home jobs. Remote jobs have many positives, such as a flexible schedule, the potential to earn high salaries, the chance to save money that would otherwise be spent commuting to work, and a flexible work-life balance. Some work-from-home jobs do not even require applicants to have prior work experience. Here’s a list of top work-from-home jobs to consider: 1. Customer service representative With an estimated average national salary of $33,948 (or $38,964) annually, becoming a call center representative is one of the most lucrative jobs. These employees answer customer support calls and resolve the latter’s issues or concerns. They can provide support, listen to complaints, and answer basic customer questions without being present at any specific office location. Many companies base their customer service executive jobs at offshore locations. Client grievance resolution is just one kind of call center representative. The other kind of representative calls are made to select customers to sell their employer’s products and services and increase information. To become a call center or customer service representative, one needs to have good verbal communication skills, good enough EQ, and a capacity to resolve general customer queries by putting themselves in their shoes.

Common mistakes to avoid when booking a flight

Common mistakes to avoid when booking a flight
Planning a flight journey involves various decisions, and one of the most important is booking a flight. With the abundance of options available, it can be overwhelming to pick one. From choosing the correct date and time to securing the best deals, travelers often need help while booking tickets. Mistakes during these processes might result in unexpected fees and changes in the itinerary. Avoiding mistakes is crucial to ensure a stress-free and easy journey. Ignoring flexible dates Travelers often miss out on potential savings when they stick to specific trip dates without taking flexibility into consideration. Depending on the day of the week, season, and even time of day, ticket rates might vary. By being open to changing travel dates, one can take advantage of cheaper flights and save significantly on their trip. Overlooking alternate airports Many individuals opt for their nearest major airport when booking flight tickets without considering alternative nearby airports. Unbeknownst to many, such airports – especially those serviced by budget carriers or have less crowding – may offer cheaper fares and more convenient flight times. Not exploring all nearby airports may lead to people being left with limited options and missing out on potential savings. Not comparing prices To get the best deal and avoid overpaying for one’s journey, it is important to check and compare prices offered by various online travel companies, airline websites, and flight comparison tools.

7 mistakes to avoid when selling a home

7 mistakes to avoid when selling a home
Even more challenging than buying a home is selling one. From the long list of tasks that need to be completed to the emotional attachments that one needs to let go of, there are many things one needs to consider when selling one’s home. Given the complexity of this transaction, it is common for people to make big mistakes when trying to sell their home, which could cost them a lot of money. 1. Trying to DIY the sale Real estate agents indeed ask for a hefty commission, anywhere between 5%-6% of the total price of the sale. While this can feel steep, these agents also bring in a lot of expertise that could ease the selling process, especially for first-time sellers. On the other hand, trying to go down the For-Sale-By-Owner (FSBO) route could result in complicated paperwork and botched-up negotiations. This is why one must look for a good real estate agent who has the seller’s best interests at heart. They will help one set a competitive price for the home, manage the emotional aspect of meeting prospective buyers, and negotiate a better price. They are also well-versed in the paperwork involved in completing the sale, which can be crucial in preventing any delays or legal issues.

A brief guide to credit card hardship programs

A brief guide to credit card hardship programs
Emergencies like losing a job, sudden medical expenses, or financial setbacks can often cause or increase debt and also make it difficult to keep up with debt repayment. Credit cards are one of the most common sources of debt in the country. Fortunately, there are ways in which one can avoid defaulting on their credit cards, especially when dealing with sudden yet temporary financial difficulties. One such option is a credit card hardship program. What are credit card financial hardship programs? A credit card hardship program is an option offered by credit card issuers and banks to customers facing financial difficulties, providing them temporary relief. If, due to certain circumstances, the customers find themselves unable to make even minimum monthly credit card bill payments, they can seek assistance from their lender through these programs. The bank or lender can arrange for these cardholders to make reduced payments toward their existing credit card debt. Features A financial hardship program can help provide monetary relief in several ways, the exact benefit varying from lender to lender. But a credit card hardship program typically has one or more of the following features: 1. Reduction in the monthly payment amount One of the most common ways lenders offer financial relief to their customers is by temporarily reducing the minimum monthly payment on their credit cards.

Top 10 reasons to get a home alarm system

Top 10 reasons to get a home alarm system
Enhancing the security of a home is essential for preventing theft, intrusions, and damage. An alarm system can help here. From deterring intruders to alerting the authorities, an alarm system can protect the home and its occupants, giving them some peace of mind and a sense of security whether they are at or away from home. Also, today one can choose from different kinds of security systems and get additional features like video surveillance. 1. Deter intruders Alarm systems can deter intruders. Upon noticing a security system, burglars and other intruders may avoid targeting a home. The mere sight of security cameras or alarm sensors can make intruders think twice before attempting to break into a home, as such tools can capture the home invasion and alert the authorities as well as home occupants, leading to the intruders’ arrests. So, a security system can reduce the risk of burglary and property damage. 2. Get immediate alerts Modern alarm systems are equipped with advanced sensors and monitoring technology that can detect unauthorized entry or suspicious activity in real time. Then, the systems can promptly alert home occupants and authorities, allowing for swift response and intervention. The immediate notification ensures that one can take appropriate action to address the situation, whether it involves contacting law enforcement agencies or strengthening the security of their property.

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3 tips for diabetes management

3 tips for diabetes management

High blood sugar or hyperglycemia is associated with prediabetes and diabetes. The body generates insulin to manage blood sugar levels. But when the liver produces excessive glucose, and the body makes little insulin or fails to use insulin, it leads to high blood sugar levels. The condition can leave one tired and thirsty, cause blurry vision, and result in the frequent urge to pee. Read on to know some treatment plans for diabetes management: Treatment options for diabetes management Invokana® It is an excellent treatment plan that works in tandem with the proper meal plans and exercise to lower high blood sugar levels in those with type 2 diabetes. Invokana ® also reduces the risk of death from stroke or heart attack. Plus, it helps decrease the risk of end-stage kidney disease and worsening of kidney function. GlucoTrust GlucoTrust promises to help maintain healthy blood sugar levels, reduce one’s craving for sugar and unhealthy foods, and support deep sleep. It also claims to have a formula of all-natural ingredients. However, it is strongly advisable to consult your doctor before opting for supplements like GlucoTrust since it may not bring the desired results in all cases. Kerendia® It is an FDA-approved prescription treatment that aids in lowering the risk of complications in people with Type 2 diabetes.
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4 tips for dealing with asthma

4 tips for dealing with asthma

Asthma is a respiratory condition wherein the airways in the lungs swell up, become narrow, and produce extra mucus, making it difficult to breathe. People affected can experience breathlessness, coughing, and wheezing. The disease could be a minor issue for some, while others may have to deal with serious long-term symptoms. Although there is no permanent cure for asthma, here are treatment options, foods to have and avoid, and alternative therapies to manage the symptoms: Treatment options Doctors can recommend the right course of treatment based on the severity of asthma symptoms. Here are a few popular options: Tezepelumab: It is a popular treatment option, approved by the FDA as a supplementary maintenance remedy for pediatric patients over 12 and adults with asthma. Tezepelumab is an injectable option and the first and only biologic to significantly and consistently reduce severe asthma symptoms in clinical trials. Fasenra: This is a monoclonal antibody that works on the immune system activity in the body. Fasenra helps control the elevated eosinophil count responsible for severe asthma symptoms. This injection is suitable for children over 12 and adults and can be used with other treatment plans to keep flare-ups in check. Nucala: This is a monoclonal antibody that also reduces the eosinophils in the body.
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