Budgeting For Beginners, Selling Bitcoin, and Boomer Houses

3 Under-the-Radar Tech Stocks Poised for Explosive Growth                                                                                                                                                                                                                                                                                                                                                                                                                 January 19, 2024 | [Read Online]( Good morning. It's Friday, Jan. 19, and we're covering how to budget for beginners, financial advice as policymakers, negotiating real estate commission, and much more. First time reading? [Sign up here](. Stock Market Update Market Performance: January 19, 2024. The stock market cut its rebound in half in afternoon trading Thursday as a top Fed official doused hopes for an interest-rate cut as early as March. The Nasdaq composite, which had been up more than 1%, was up only 0.6%. Technology Select Sector SPDR (XLK) still led sectors with a 1.3% increase. The Nasdaq 100 rose 0.7% but is no longer on track for a record closing high. Apple (AAPL) jumped 2.7% after rising from support at its 200-day moving average. BofA Securities upgraded the stock to buy from neutral and raised the price target to 225 from 208. Analyst Wamsi Mohan cited a potential sales boom from the company's upcoming Vision Pro headset. [The S&P 500 trimmed its gain to 0.2% in the stock market today.]( It made a stand at the 21-day exponential moving average. Financial Maverick Insights How to Budget for Beginners I started my first budget after graduating from college. I wish I could say it was because I was financially responsible and trying to be proactive with my money, but the truth was I was drowning in student loan debt. I needed a way to help me track the little income I had and the lot of expenses I saw hitting my bank account each month. Fast forward ten years, and I’m still using a budget to track my monthly income and expenses even though I’ve since paid off that debt. Why, you might ask? Because budgets work. How To Budget for Beginners A common misconception is that maintaining a budget equals restriction. But the truth is budgeting allows you to spend money on the things you care about (aka value-based budgeting). Tracking your income and expenses each month or pay period gives you a better understanding of where your money is going. It helps you remain focused and accountable for reaching your financial goals. But because budgeting isn’t a skill many learn growing up, it can seem intimidating to get started. I’m here to tell you that you don’t need to be a financial planner or a money expert to create a budget that works for you. If you’re ready for Budgeting 101,[let’s dive in so you can go from budget beginner to managing your money effectively and with ease.]( What you need to know about financial advice as policymakers debate changes to the rules When employees who contribute to a 401(k) plan leave a company, they have options for what to do with that money. Depending on what the employer retirement savings plan allows, exiting employees may be able to keep the money in the current plan, roll it over into an IRA, or buy an annuity. In some cases, employers can force out small accounts. [The guidance investors receive from a financial professional or firm]( about handling old 401(k)s has been exempt from investment advice rules. And, there are different standards for financial advice. Being a “fiduciary” is the highest standard, meaning the advice must be in the client’s best interest. Real Estate News 2024 will see increased real estate agent mobility: Relitix - HousingWire Relitix’s Agent Movement Index shows a clear bottoming out in early fall of 2023 and increased agent mobility as we move into 2024. How to negotiate a real estate commission when selling your house It's possible to persuade your real estate agent to lower their fees if you have something to offer in return. Market Experts Share Six Tips for Navigating Challenging Real Estate Markets Tony Accardo and Jennifer Caskey, the real estate experts from South Bay Los Angeles, are here to guide you in the process and arm you with strategies that could transform you from a hesitant observer to a confident market player. Move over, millennials: Gen Zers are coming for boomer houses Baby boomers' dominance in the US housing market is coming to an end. And Gen Z, not millennials, are poised to take over. Personal Finance Tips The 12 Best Finance Books for Kids to Learn Money Most people find it hard to talk about money, especially between children and their parents. How to Save Money on Holiday Travel - NerdWallet Holiday travel can get expensive and stressful. To cut costs and increase flexibility, consider cashing in some points or miles as you plan this year's travel. 2023 Tax Rules and Tips for Easier, Cost-Effective Charitable Giving At a time when so many people need help, there are still many benefits — tax and philanthropic — to giving back. Tips to Manage Your Cash Flow — Controlling Costs Alternative Investing Bitcoin Plunges Below $41K as 'Sell the Bitcoin ETF News' Wins the Day Large inflows in the new spot bitcoin ETFs have been sizably offset by outflows from not just from GBTC but other global bitcoin-related ETPs. AI Ascending: 3 Under-the-Radar Tech Stocks Poised for Explosive Growth These AI stocks have good upside without a lot of attention. Key Reason Why This Elon Musk-Inspired AI Coin Just Surged 49% Musk’s profile change gained attention, driving a surge in TROLL token – 251% increase in under 24 hours and 13,208% rise in six days. Have you ever invested in tech stocks? [Yes]( [No]( Reach Over 100,000 Financial Mavericks Advertise with Financial Maverick to get your brand in front of the Financial Gurus in the world. The Mavericks are high-income and highly knowledge people who are always looking for an interesting product or tool. [Get In Touch]( Share Financial Maverick Calling all Financial Mavericks! To help out a family and friend in need by sharing this newsletter. Tell you what if you ever wanted to be a Hero, Financial Guru, or a Nice Person this is your time! [Share the newsletter]( DISCLAIMER: None of this is financial advice. This newsletter is strictly educational and is not investment advice or a solicitation to buy or sell any assets or to make any financial decisions. Please be careful and do your own research. [fb]( [tw]( [ig]( Update your email preferences or unsubscribe [here]( © 2024 Financial Maverick 19354 Watermark Drive, Suite 202 Cornelius, North Carolina 28031, United States [[beehiiv logo]Powered by beehiiv](