Interest

When money is borrowed, an interest rate is usually attached to the principal sum. Essentially, an interest rate is the price or cost for the “use” of money between a borrower and a lender. It is often expressed as a percentage of the principal. For example, if you were to borrow $1,000 from a lender,…

How To Start Investing In Real Estate

Investing in real estate builds and diversifies your portfolio. Over the last 50 years, real estate investing has become increasingly popular. Rather than owning just a primary residence, having several investment properties can be a great way to build wealth. Real estate has “intrinsic value.” In other words, its value will likely never completely go away…

The Difference Between Federal & State Crowdfunding Exemptions

Though the JOBS Act was passed in 2012 and mandated that the Securities and Exchange Commission (SEC) issue rules regarding several statutes, most notably Title III and Title IV, which have yet to be finalized. Currently, Title III is not yet in effect, and with that knowledge, many states took matters into their own hands…

What Is A Broker-Dealer? Are They Necessary?

The Financial Industry Regulatory Authority (FINRA) defines a broker-dealer as “a person or company that is in the business of buying and selling securities—stocks, bonds, mutual funds and other certain investment products—on behalf its customers (broker), for its own account (dealer), or both. Individuals who work for broker-dealers—the sales personnel whom most people call brokers—are…

How Crowdfunding Can Be The Catalyst For Community Growth And Development

When deciding where to invest, financial experts will often advise you to “get to know yourself.” This includes knowing how much money one has available to invest, what the time frame for returns is and how hands-on he or she wants to be in movement and growth of his or her money. Consider this as building a relationship with one’s money. Along…