NNN properties are known as triple net lease properties and can be categorized as single-tenant properties that are available for lease. In these properties, the maintenance fees, taxes, and insurance have to be paid by the lessee instead of the landlord. These costs have to be borne by the lessee in addition to the rent. Here are some of the top NNN properties for sale:

• 7-Eleven, Texas
  There are plenty of 7-Eleven properties that come under the category of NNN properties. This one is our top pick at the moment, as it serves two commodities that are always in demand: gas and foods. The property is on the 3601 West Freeway in Fort Worth, Texas, making it quite a hot spot for sale. The current annual rent for this property is $267,500, while the cap rate is 5.75%.
• Burger King, Florida
  Burger King is one of the country’s favorite fast-food chains. The current annual rent for this property is about $140,000, and the cap rate is 5.15%. This property was built quite recently as compared to the other options on our list, and it has the potential of providing good returns quickly, as it is in a strategic location on SW Port St. Lucie Blvd, which experiences average daily traffic on the plus side of 48,000 vehicles.
• Admiral Petroleum, Michigan
  Gas and convenience stores offer really high returns, and this particular store is situated on Bay Road in Michigan, which gets average traffic of 29,300 vehicles daily. The average cap rate of this property is 6.75%, and the current annual rent is $60,000. Built in 1969, it is quite an old property, which means many prospective customers know about this NNN property for sale. The projected annual rental increase on this property is about 2%.
• Advance Auto Parts, Georgia
  This NNN property for sale has a current cap rate of 5.90% and an annual rent of $183,000 currently. The vicinity attracts many customers as outlets of brands like McDonald’s and Jack in the Box are situated just around the corner. Additionally, close to 140,000 people reside within a 3-mile radius, increasing the chances of earning higher returns.
• Hardee’s, Georgia
  Currently available at a cap rate of 5.75% and an annual rent of $107,926, this NNN property offers excellent profitability based on its location. It is located in a dense retail corridor with giants like Dollar Tree, Family Dollar, and Krispy Kreme. Hardee’s is also a popular restaurant attracting loyal customers over the years.
• Chase Bank, Illinois
  If you’re looking for NNN properties for sale in Matteson, this is a great option for you. The current annual rent for this property is $199,650, and the cap rate is 5.40%. The consumer base for this bank is pretty high, making this property a profitable option to consider.

If you opt for NNN properties for sale in a commercially viable location, you can earn high returns. Apart from the location, it is advisable to consider your budget and the cap rate, among other factors, before making a decision.

A lot of people get stuck in debt due to many reasons. The interest rates keep adding up, taking a toll on an individual’s financial stability. In such a case, debt settlement can be quite helpful if you wish to settle a large amount. Here is a list of top 10 debt settlement companies that you can consider to help ease the burden off your shoulders.

• National Debt Relief
  National Debt Relief has the most detailed insights on their website that can help you with debt settlement. It talks about the debt qualification, the amount of money you need to pay for enrolments as well as the debt relief services that they offer. The average savings after the fees is around 30%.
• CreditAssociates
  This particular company is known for helping clients with the elimination of debt. They undertake this entire process between twenty-four to thirty-six months. They use enhanced software, and the outstanding expertise of their team to help their clients with great debt negotiation services.
• Pacific Debt Inc
  This is one of the top 10 debt settlement companies that you can consider. You need to have a minimum of $10,000 in debt to avail their services. They offer an affordable monthly program/plan with payment as well as upfront fees. The service fees can vary somewhere between 15% and 20% of the entire debt.
• United Debt Counselors
  If you are looking for an online debt settlement company, then this is a great option. It works specifically for personalized debt settlement. You need to pay about 30% to 40% of your debt to avail the reduction services.
• CuraDebt
  CuraDebt is another company that offers debt settlement services with a great savings average. It offers 40% reduction after fees. You can opt for any of their business debt solutions that they offer. Their reliable customer service also helps with debt-related queries.
• New Era Debt Solutions
  The average debt reduction for this company is about 47%. In this, you can expect the debts to get settled in three years or even less, depending on how the program gets funded. They do not charge any upfront fees.
• Midland Credit Management
  This company is dedicated to helping different customers resolve past debt. They also have varied payment plans and discounts for their clients. You can check their impressive account history, which can be accessed online.
• ZipDebt
  ZipDebt is also a great option to consider. It offers a flat fee, which includes $197 for a basic program and $777 for a premium program. You will end up receiving a lot of materials that can help you bypass the different settlement companies through which you can avoid bankruptcy. Their fees are negotiable and reasonable as well.

Two of the other companies that you can consider while looking to settle your debt are mentioned below. They have a good track record and you can find different offers on both:

• Donaldson Williams
• J.G Wentworth Debt Relief

We hope our list of top 10 debt settlement companies helps you ease your accumulated debt. Consider and choose the best option for yourself. We recommend you to compare the prices and do a thorough research before you settle on one company.

As you approach retirement, most of your money has been invested in your home. A reverse mortgage is an excellent way to tap into your home’s equity. If you have paid off a home loan or have only a small amount to be paid, it is a good option to meet various financial goals.

Here are the criteria for reverse mortgage eligibility:

Personal criteria

• Age
  You must be 62 years or older, to apply for a reverse mortgage. Generally, as you grow older the Home Equity Conversion Mortgage (HECM) amount increases.
• Property
  The home should be your primary residence, and you need to live there for the entire duration of the reverse mortgage. Rental properties and vacation homes do not qualify for such mortgages.
• Home equity
  You should be the owner of your home outright or possess a minimum of 50% home equity. There is a possibility that you may qualify for a reverse mortgage despite having some outstanding balance on your existing home loan. However, the criterion is that you must first pay off the remaining mortgage from the sanctioned amount and meet other liens. The balance funds may be used for any other purpose. Using a reverse mortgage to refinance existing debt is beneficial in reducing your monthly cash outflows.

The home equity requirement varies from one borrower to another and is based on your individual situation. If you are younger and the only titleholder to the property, the home equity required may be more than 50%. We recommend using a reverse mortgage calculator to understand the requirement.

• Counseling
  Meeting with a Housing and Urban Development (HUD) Department-approved counselor is mandatory. The counselor will help you understand all about a reverse mortgage and all the associated expenses. This is to ensure you completely understand the terms and conditions and are familiar prior to applying for the mortgage.

HECM Property Criteria

• All types of single-family homes qualify for a reverse mortgage. Two to four-unit properties with one unit that you occupy are also eligible
• Homes built after June 1976, meeting HUD requirements
• Federal Housing Association (FHA)-approved condos
• Townhomes

Mobile and manufactured homes and multi-tenanted properties with more than four units are not eligible for a reverse mortgage

Financial criteria

To qualify for a reverse mortgage, you need to prove your financial ability to pay your loans and other expenses, such as insurance, taxes, and homeowners’ association fees. Moreover, you need to be financially stable to pay for regular repairs and maintenance of the property.

Non-payment of any of the aforementioned expenses violates the terms of the reverse mortgage and is considered a default. Therefore, considering the income criterion while contemplating a reverse mortgage is important.

Here are the types of income that are considered to determine your reverse mortgage eligibility:

• Income from employment
• Non-borrower spouse or other family members’ incomes
• Earnings through part-time employment
• Overtime and bonus income
• Seasonal employment earnings
• Other factors, such as social security, interest, dividend, and trust income, self-employment income, VA benefits, commissions, disability benefits, rental income, income from employment in a family-owned business, workman’s compensation, annuity, retirement and pension benefits, and public assistance are also taken into consideration.

As a beginner investor, investing too much money at the start can be quite difficult and overwhelming. However, if you choose the right brokerage account, you can earn a lot back from it in terms of investment knowledge. So if you are looking for the best cost-free investment advisors to provide you with long-term portfolio management services, then you have come to the right place. Here is our collated list:

1. Interactive Brokers

Investment Brokers has an entity known as IBKR Lite, which offers commission-free trading on various commodities. It mainly covers exchange-listed stocks as well as exchange-traded funds (ETFs). It also offers low-priced access to various global markets without any account minimum or inactivity fee. Additionally, it offers the best competitive interest rates, while its client portal, which offers trading and account management services, is highly preferred by users. One of the most notable points is that IBKR Lite has been around for over 40 years, having earned the trust of a vast client base.

1. You Invest by JP Morgan Chase

You Invest Trade, offered by JP Morgan Chase, is one of the best low-cost investment advisors. It is complete with a range of commission-free ETFs and stocks that can be traded online. It does not only help you research investments but also aids you in managing and trading them with a plethora of online tools. There is also an option to manage portfolios and trade on your own; and you do not need an account balance to start using this platform.

1. SoFi Active Investing

SoFi Active Investing gives you the opportunity to trade stocks of brands that you are particularly keen on. Apart from being a system that requires no fees or account minimums, it is also a community wherein you can interact with fellow investors through various events. You can also trust SoFi to come up with discounts and invites to these events. In addition, SoFi has plenty of online resources available for your perusal, thereby enabling you to further explore your investment interests.

1. E*Trade
   

With plenty of investment options in stocks and ETFs, you can go for commission-free trading by E*Trade, which comes with a complete range of investments coupled with professionally handled accounts. It also has intuitive platforms offering you the best in mobile and online trading. E*Trade lets you make up to 30 stock and option trades per quarter, at no cost. The platform is quite user-friendly as well. Start by setting your goals, after which you can open your account, and then choose the investments that you wish to add to your portfolio.

1. TD Ameritrade

With no commission fee on online stock trading, TD Ameritrade can be considered when you are just beginning to invest without having to pay a fee. This provider offers an ace trading experience with a variety of ETFs listed on its portal. One of the topmost options available in the market, TD Ameritrade also provides you with access to important trading tools and resources.

The aforementioned list of best investment advisors can help you as you navigate the different investment options that are available to you. Make an informed decision once you have analyzed all the offerings and weighed them against each other.

A home loan, or a home equity loan, is the fixed lump sum amount borrowed against your home’s built-up equity. The lenders allow you to borrow 85 percent of the home’s equity. The usual repayment period is between 5-30 years, and there is a fixed interest rate applicable. So, let’s find out who are the best providers of home equity loans. 

PenFed Credit Union
PenFed has been in the running for over eight decades and has an open charter. This implies that there is zero military affiliation needed. For joining, you will have to open and maintain a savings account with a minimum of $5. Residents of all 50 states can avail themselves of their home loans facility. Some of the loans that you can seek are VA mortgage, jumbo, and fixed conventional loans, along with refinancing and home equity loans. Your minimum credit score should be 700. 

Bank of America
This lender offers conventional loans, Federal Housing Administration, jumbo, Department of Veterans Affairs, mortgage refinancing, and home equity lines of credit. The maximum loan amount that you can avail of is $2.5 million. For qualifying Merrill Lynch and Bank of America clients, the bank provides origination fee discounts.

Discover Home Loans
Discover Home loan is renowned for its transparency when it comes to the fee on home equity loans. Interest rates are fixed and are usually within the range of 3.99-8.99 percent for first liens and 11.99 percent for second liens. To apply for a loan with Discover home, you must have substantial equity in your home and a good credit score. 

Regions Bank
When subscribed to autopay, Regions Bank provides you with home equity loans starting at 3 percent APR. You get loans at a fixed interest rate and zero closing cost. You can get the loans for a term of 7, 10, 15, or 20 years. A line of credit for this home equity loan is available at an introductory rate of 0.99 percent for the initial six months. After the introductory period, the interest ranges from 3.75 percent to 10.75 percent. 

PNC Bank
Residents from all 50 states can avail of this firm’s services. At present, PNC serves over eight million customers and can provide you with all kinds of mortgages, such as FHA, ARM, home equity line of credit, fixed-rate, medical professional mortgage program, USDA, PNC Community, refinancing, jumbo, and VA.  

A reverse mortgage is a loan that allows individuals older than 62 to improve their financial well-being. They can convert part of their home equity into lump sum cash, fixed monthly payments, or line of credit, according to their preference. The money can be used to pay for medical bills, in emergencies, or to pay off a mortgage. Here’s what you should know about reverse mortgages in case you’re looking for one.

How much can you borrow?
For reverse mortgages, the loan amount can’t exceed the value of the property against which it is borrowed. Federal regulations require lenders to ensure that the loan amount doesn’t exceed the value of the house by structuring the transactions accordingly. Additionally, these regulations state that the owner/borrower is not liable to pay off the balance amount in case it exceeds the property value.

How are reverse mortgages paid for?
A reverse mortgage is payable when the borrower sells the house, relocates permanently, or dies. Unlike forward mortgages, reverse mortgages don’t need the borrower to make any monthly payments. They are only liable to pay interest on the money received, which is rolled back into the loan balance. While the owner gets to keep the title to the home, their home equity reduces over the loan tenure.

Who can take a reverse mortgage?
This type of loan is ideal for seniors and retirees whose net worth comes mostly from the value of their home. Seniors who don’t qualify for a home equity loan or can’t refinance due to limited cash flow or poor credit can opt for reverse mortgages. Home Equity Conversion Mortgage (HECM) for purchase is a reverse mortgage that allows seniors to buy another property. That said, it is complex, and you should study the risk factors before getting one.

What are the risks associated with reverse mortgages?
Reverse mortgage scams are not unheard of. Unreputable vendors could offer to help seniors secure reverse mortgages by undertaking house repairs. They don’t provide quality results and get away with the homeowner’s money instead. For spouses living together in a home with only one spouse named as a borrower on a reverse mortgage, the other spouse can lose the home if the borrowing spouse dies first. Besides, reverse mortgage lenders charge fees and closing costs and may also charge mortgage insurance premiums for federally-insured HECMs.

A reverse mortgage is a type of loan that allows homeowners to receive payments on their house as opposed to them making payments to the lender. At first glance, this option seems too good to be true. But, before committing to it, there are some nitty-gritty details that people must consider when opting for this type of financing. So, here is some information regarding the pros and cons to consider when getting a reverse mortgage.

Advantages

• Multiple options of disbursement
  One of the biggest advantages of opting for reverse mortgages is that you can choose your payment method: whether it is in the form of monthly payouts, or receiving it in bulk.
• You retain ownership of your home
  As opposed to other mortgages where you have to vacate your house, in a reverse mortgage, you can continue to own and live in your house without any interruptions. It is a great way to improve your immediate finances and is preferable to moving or selling the property.
• No tax liability
  The payments that you receive as a part of a reverse mortgage are not considered to be taxable by the IRS since it is considered to be a loan advance instead of taxable income.
• Retirement safety
  These mortgages are actually a great option for retired and senior citizens, since it allows them to have access to funds, which might otherwise be stuck in the form of a fixed asset like a house or a property.

Disadvantages

• The property must be occupied
  For properties that have been reverse mortgaged, it is important that it remains occupied at all times. Lenders visit the houses from time to time to verify that the house is occupied throughout the year.
• Risk of foreclosure
  If you fail to pay your property taxes, HOA fees, homeowners insurance payments, and other costs on time, your house is at a risk of being foreclosed for violation of tax laws.
• High fees
  When signing up for a reverse mortgage, information you must know is that there are several expenses involved in completing the entire procedure, which may include the mortgage fees, FHA insurance charges, as well as closing costs.
• Accumulation of interest
  Since there is no monthly payment plan or schedule involved in a reverse mortgage, the amount that you borrow incurs interest over time. As a result of this, one needs to be careful to not default on any payment to avoid accumulating further debt.

Dental hygiene is of utmost importance and the services of a dentist do not come cheap. You might be in for a shock when you make a payment at the dentist for regular cleaning services. If you fear surprises at the time of paying your bill at the dentist, a comprehensive dental insurance could be your best bet. It will cover a wide range of services and allow you to enjoy a full coverage insurance plan with no waiting period.

Dental insurance coverage
A full coverage dental insurance includes three levels of coverage. These are preventive, minor, and major. It will cover the dental treatments at all levels and is not restricted to the preventive services. The comprehensive coverage will include cleanings, filling, fluoride treatment, root canal, X-ray, denture repair, and bridgework.

No waiting period
It is possible for you to obtain dental coverage without any waiting period. If you need a dental treatment in the near future, you need a plan that is effective immediately. It does not make sense for you to buy a plan that has a waiting period. A full coverage dental insurance medicare plan with zero waiting period means that you will be able to make the most of the plan with immediate effect, without any waiting period for the services. This includes the major dental procedures as well. There are many other plans, which would require a waiting period of one year. But if you are going to need dental services soon, opt for a plan that has no waiting period to avoid the hassle of financing dental work.

A full coverage dental insurance medicare plan is of utmost importance for individuals of every age. It can significantly reduce your out of pocket expenses and make it easier to go through a major dental procedure smoothly. The plan has been designed to meet the comprehensive needs of the patients and will include a wide range of services.

When you are looking for insurance plans, keep your priorities in mind. Do not compromise on the services in order to save a small amount. The cost of a dental treatment might burn a hole in your pocket if you do not have a comprehensive plan. A full coverage plan is a safe bet and it includes an array of services that you will require in the future. With a zero waiting period, the plan could be a convenient and cost-effective deal for you.