The Risks Of Investing While In Debt

Investing While in Debt
Investing While in Debt

Investing while in debt is a touchy subject for obvious reasons. Some believe investing while in debt is an effective financial decision while others believe it is counterproductive. Money owed increases with time due to compound interest. With no guarantee of returns, investors who have debt put themselves at risk of bankruptcy. Many may, however find that waiting to invest presents costs in terms of unrealised profits that could have been made from investments. Continue reading

5 Ideas to Help You Get More YouTube Subscribers

YouTube is video-sharing platform and is one of the most prominent social media networks, it attracts hundreds of millions of viewers every day. Each one of these visitors is a potential means of monetization! Here are five ideas that will help you enhance your audience:

  1. Reach Out to Your Fans

One of the easiest method to get more subscribers is to engage with the users who already watch your videos.

At the end of each clip make sure that you ask them to subscribe to your channel if they haven’t done it already. Always remind them to comment and share your videos, too. This way, they can attract attention from their friends who have not even discovered your account yet.

Build a solid relationship with your present subscribers. Once they form a community, you can send them email alerts about your latest uploads or sneak previews of your future videos.

  1. Reference Your Subscribers

Another great way of increasing the loyalty of your current subscribers and adding a few more is to reference them in your videos.

According to your content, you can have a FAQ section in the comment area where people can send you their queries. In the next video, you upload, make sure that you answer the most interesting questions you receive. Saying the names of your fans will increase their loyalty and puts you in a favorable light for others.

Additionally, you can set up contests for users to create content that is relevant to your channel. Next, include their clips into your videos to make your account seem like a friendly influencer on the network.

  1. Allow Viewers to Dictate Your Content

Take the time to read all the comments that appear below your videos. They will give you an idea about what your viewers prefer to watch and what they dislike seeing.

Use all the feedback that you get from your viewers to tweak your content accordingly. If you visit you also get real, high-quality YouTube subscribers for your channel, so you can be sure that you will receive plenty of comments and impressions for the videos that you post.

  1. Stick to a Fix Posting Schedule

Now that you know what your viewers prefer watching on your channel, and you have convinced plenty of them to subscribe to it, you need to ensure that they remain long-term fans.

To maintain viewer loyalty, you need to make your activity on YouTube as predictable as possible. Most trusting subscribers appreciate content creators that upload videos regularly. Therefore, you will need to come up with a posting schedule and stick to it through thick and thin.

Use the YouTube Analytics tools to understand the demographics that constitute your audience. These instruments tell you at which time of the day you have the highest number of people visiting your channel, and how long they spend doing it.

Apply the results that you get to your regular posting schedule to determine when it is the best time to upload new content.

  1. Collaborate with Other YouTubers

Last, but not least, an easy idea to get more YouTube subscribers is to team up with other content creators on the platform.

Find influencers in your niche and ask them for a collaboration that is beneficial for both of you. They can mention your channel in their videos, and you can have them as guests in your clips. This strategy will help you attract some of their fans to subscribe to your channel, and vice-versa.

3 signs a home equity line is right for you

The following content was originally published on July 19, 2019 on  on

You can use the equity you’ve built up in your home to meet your larger financial goals. Home equity refers to the portion of your home that you actually own. You can calculate your equity by subtracting the mortgage amount you still owe from the current value of your home. Curious whether a home equity line might be right for you? See if any of the following three scenarios match your situation:

1. You have 20 percent or higher ownership in your home.

If you have at least 20 percent ownership in your home, then you are one of the over 40 million U.S. homeowners who have equity in their homes. By making on-time monthly payments, you may have acquired more equity than you realize. Having an even larger amount of home equity, 30 percent or higher, gives you and your family the opportunity to tackle projects that may require a larger financial commitment. A home equity product can allow you to put this equity to use. These funds can be used to renovate your home, to pay for your children’s college education, or, for empty nesters, to increase your enjoyment in your home. You may alternatively decide to use these funds to consolidate your credit card, auto, medical, or other debt. Please note that Figure will consider loans up to 95% loan-to-value for consumers with excellent credit, so even if you have as little as 10% equity in your home, a home equity line might still be an option for you.

2. You are getting ready to sell, rent, or improve your home.

As a homeowner, you can and should look at your home as an investment that can be sold, rented, or improved at any time to further maximize its return on investment (ROI). Whether getting ready to sell or rent, or if your home could just use a pick-me-up, consider a remodeling project. Done correctly, these renovations will increase your home’s curb appeal and add value to your home.

The consensus amongst national realtors is that large renovation projects, such as kitchen remodels or creating a first-floor master suite, appeal to buyers. Smaller renovation projects, such as landscaping, new garage doors, interior and exterior painting, or installing a fence around your backyard can also positively impact the value of your home. You should speak to a local realtor to determine ways to improve the value of your home before you put it on the market to sell or rent. Now may be the ideal time to tap into your home’s equity if you want to sell, to lease out your home, or to just increase your enjoyment in the property.

Renovating your home is easier with the right home equity product. A loan against your home equity typically has a lower interest rate than that of an unsecured loan, including a personal loan and credit cards. The good news is that with lower interest rates, the loan against your home equity will make your renovation more affordable, which can positively increase your project’s ROI.

3. You want to enjoy more tax write-offs.

The new tax laws that went into effect in 2018 allow homeowners to still deduct interest costs against home equity debt when the loan is used to renovate the home. But, be sure to consult your tax adviser to learn about certain restrictions within this law. Deducting interest costs against large home improvement projects, new home construction, the purchase of another home, or the purchase of an investment property can result in large savings for homeowners. A loan used to complete large home improvement projects can increase the value of your current home and also provide you with a better quality of life.

According to a recent national study by NerdWallet, within the next five years, an estimated 35 percent of homeowners plan to upgrade their home to enjoy a higher quality of life, to add value to their homes, and to receive tax benefits. By taking a loan against your home equity for the purpose of increasing your home’s value and for gaining tax benefits, you can subsequently increase your equity. It is a win-win scenario for many homeowners.

Considering the above three signs will help you determine if the time is right for you to take a loan against your home equity. With the right home equity product, you can achieve your large financial goals, such as paying for college, increasing the value of your home through home improvement projects, and consolidating debt. You can also enhance the sell-ability and rent-ability of your home as you seek to capitalize on its investment potential. Go to to learn more about Figure’s quick, fully digital, no-hassle HELOC application.

Marketing Methods Worth Investing In

As with just about anything in the business world, there are all kinds of tips and tricks out there that will instantly take your business to the next level. While some of the ideas seem legitimate and a great idea, you have to wonder if they’re going to be worth the investment.

Laying out a market strategy is much more difficult than simply having someone stand at the corner in a chicken suit, twirling a giant sign above them to draw attention to your store.

Marketing strategies and methods take time to create and implement. You don’t want to travel down one rabbit hole only to find out it was a bad investment and you didn’t gain any customers. Minding your money and your time are very important for any business owner.

So, what are some of the surefire marketing methods you should put your time and money into?

Social Media

It’s interesting to think about Facebook 10 years ago and how the statuses were always “Joe Smith is…”

Now? Social media is king for communication, keeping up with friends, reading the news and uploading photos. It’s also becoming one of the most important marketing methods out there. Creating a page is free and promoting your page is much more inexpensive than traditional advertising.

You’re going to want to put a lot of time into social media, though. Your page needs to stay fresh, so make sure you’re updating it at least every two days if not daily. Post a blog, upload recent photos or simply talk about what products you have.

A Customer Referral Program

One of the most proven forms of advertising and marketing is word of mouth. How many times have you checked out a movie, gone to a restaurant or even listened to a song because someone you knew suggested it?

A customer referral program is the perfect way to capitalize on those word of mouth chances. Think about what kind of promotion you can offer for the referral program. It could be a discount or fun item they’ll receive.


Staying on track with the word of mouth theme, networking you and your business is incredibly important, especially if you’re in a smaller community. People like being able to put a name to a business. Knowing you means they’re more likely to trust you.

Plus, networking is mainly free. You may have to go ahead and purchase some business cards but overall it’s going to be pretty simple.

Time will be your biggest investment into networking, as you’ll have to spend time going to conventions, lunches, trade shows and networking events.

Marketing to Existing Customers

We’ve already covered the importance of a customer referral program, but what about a customer loyalty program?

People like to know they’re appreciated and one way to show your appreciation is offering rewards to current customers. That could be something as simple as having a stamp card for ice cream or giving a discount after 12 months of continued service. Rewarded customers are more likely to stay.

In addition, start sending out a newsletter or have people subscribe to your blog. That way, they can be up to date on any new developments, services or products your business has to offer.

Making Videos

This option is very dependent on the type of business you’re running, but video campaigns are a great way to bring in new customers while connecting with existing ones.

With many people ditching traditional print and media for other outlets, video is one piece of content that is exploding across all platforms. The production value could be high but the payoff could be even higher.

Endorsements and Partnerships

Having a local influencer, either in the community or through social media, is an easy way to reach a broader audience with your business. More likes and comments mean more eyeballs and looks at your business.

Partnerships are a great way to promote your business with another business. It could be something as simple as bringing in your receipt from one store could give you a discount in your store, and vice versa. Look for partners in the area who are also trying to promote their business and see how you both can scratch each other’s backs.

How To Effectively Make a Water Claim

Accidents and disasters happen, and we get to experience life altering events at least a couple of times in our lifetime and no one is immune to it. Some people have more luck than others, they only get to experience severe water damage in their homes, while others are not fortunate, they may experience hurricanes that will really damage their houses and put their lives in danger. Insurance companies offer several policies to protect the homeowner from any accidents or disasters. One of the most disastrous and difficult situation to be in is having severe water damage in your home.

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