Richard Funchess

Recent real-estate investment trends have included storage centers and residential houses for flipping. Much of this inventory, however, is gone. For the real-estate investor interested in new opportunities, the co-working industry is proving promising.
What is coworking?
Co-working is simply the practice of remote or telecommuting individuals working among one another in a common area. These workers either work for different companies or for themselves. To best serve these individual workers...

Most everyone hopes to one day achieve financial stability. Attaining such a goal could be the first step to achieving financial independence. This brief piece highlights several signs that may indicate someone is financially stable.
Exhibit A High Savings Rate
Financially stable individuals commit to a savings plan that secures a solid percentage of their income and other monetary sources. Financial experts suggest that individuals should tuck away at least 15 percent of their income through...

Refinancing student loans isn’t the right choice for everyone. A careful examination of personal circumstances can help borrowers decide whether they should refinance their student loans.
Reasons Not to Refinance Student Loans
The borrower loses eligibility for federal student loan forgiveness programs.
Borrowers who have federal student loans may qualify for one of the federal government’s programs that forgive a portion of student loan debt. Refinancing disqualifies borrowers because studen...

If you have been paying any amount of attention to news coming out of the sports world over the last several days, you’ve heard about Bryce Harper’s record-setting contract that he just signed the Philadelphia Phillies. Phillies owner John Middleton wasn’t secretive about his desire to spend “stupid money” this off-season and he proved it with the 13-year, 330 million dollar deal he gave Harper.
Coming into this off-season Harper and free agent third baseman Manny Machado were widely regarded...

There are so many options for refinancing a student loan; it can be confusing. Everyone wants the best deal they can get; however, it can be exhausting shopping around and checking each financial institution. Below are 10 of the best places to refinance or consolidate your student loans.
Citizens Bank
This bank has lots of loan options. They offer 5-, 10-, 15-, and 20-year repayment options with a variety of different loan rates.
CommonBond
CommondBond focuses on refinancing student loans. It...

There is one unalienable truth in this world, investing comes with a ton of risk. What is also true is the less it costs people to invest, the more money they will make. Fortunately, investors today have a slew of options where they can put their hard earned money at little to no cost. Here is a look at the best investing apps for 2019 that have little to no fees.
Robinhood
This app lets investors buy and sell stocks and bonds for free. However, customers do not have access to mutual funds an...

There’s a tendency in the modern world to see education as a discreet thing. High school and college graduation are seen as important milestones in a person’s life, but they’re also seen as endings. For many, the expectation is that you walk away with a degree ready to tackle whatever challenges face you in the future. But for the best among us, education is a lifelong affair, and as the industry standards and technologies change at a lightning quick pace, the necessity of pursuing education ...

Becoming a licensed real estate agent or broker provides a pathway to many wonderful career opportunities. Yet many people find the licensing examination challenging. Consider using these seven great tips to help you achieve success:
Master Unfamiliar Topics During Study Sessions
Students preparing for the exam benefit by planning study sessions. It makes sense to focus on both easy and difficult subjects. Remember to make time to master unfamiliar topics. For example, reviewing real estate t...

Thursday morning Frank Robinson passed away at the age of 83. The MLB player and coach was battling bone cancer and lost the battle after a lengthy time. Robinson was the first African American manager in the MLB in 1975 for the Clevland Indians. He also is the only player to ever win MVP in both leagues during his time playing. During the 1966 season, he won the Triple Crown while playing for the Baltimore Orioles and he is currently ranking 10th on the career home runs list with 586. Robins...

Historically low-interest rates have prevailed since the financial crash of 2008. This leads to the questions of whether or not such low-interest rates are a net positive. In particular, how do extremely low-interest rates affect those who are just trying to save? The benefit of low-interest rates is that they allow people to borrow much more freely. A typical 30-year mortgage that goes from eight percent to five percent interest may result in hundreds of thousands of dollars in savings to th...

Real estate is a tricky business. The same strategy that worked a decade ago is now defunct. The real estate development world changes year to year. Only the experts know where the real profit is. Most people would think that investing in large cities is the way to go; however, 2019 doesn’t appear to be heading that way. Below are the best real estate markets to invest in during 2019.
These locations all have a few things in common. For one, the local economy is outperforming the national eco...

Mortgage rates are hitting an average high of 5%. Mortgage rates have been steady in recent years around 4%, but TransUnion credit bureau predicts that these rates will rise to 5% by the end of 2019.
Along with the rising interest rates, the housing prices are steadily rising as well. Near the end of 2018, the median home price in the U.S. was $276,000. Rising interest rates and increasing housing prices has brought back a home-buying strategy into popularity.
The strategy is commonly referre...

Earlier this month, the Oracle of Omaha, the greatest investor of all time, and Berkshire Hathaway’s CEO– Warren Buffett sat down for an exclusive interview with Andy Serwer, Yahoo Finance’s editor-in-chief. The discussion revolved around the importance of good habits in younger generations.
“I think the habits you develop are important. They may be more important than an IQ or something,” Buffett said in response to whether young people should be saving and investing. Reflecting back to his ...

In today’s economy, it can feel overwhelming, and even impossible, to save money. As living expenses zoom past what is considered to be a livable wage, the lifestyles of today can make you feel discouraged and pessimistic. While the budgeting practices of the past may not work for your daily lifestyle, there is still hope.
Intuit, the creator of QuickBooks, Mint, and TurboTax, thinks financial gain could be as simple as changing the way you think. Do you have a jar or center console filled wi...

Getting tips on how to handle your personal finances from billionaires isn’t as daunting as it may seem. While yes, there are some wealthy people who were lucky enough to be born into their money, there are also many, many others who have built their own wealth themselves. Here are 5 tips from billionaires that can apply to anyone struggling to handle their personal finances.
Start early, or as soon as possible
If you’re young, I’m sure you’ve heard it over and over again: start saving money ...