以下是我使用或已习惯帮助我实亚博app下载现金融自由的最高金融产品。每种产品都提供了一种可操作的解决方案，这是我在我的文章中提供的建议的协同作用。
有数千家产品可以选择，我通过了99％的人。让我帮助您通过仅在几小时的研究后突出顶级金融产品来缩减杂乱。亚博app下载
我在旧金山居住的大多数公司的大多数公司都会见了高级管理，并曾经每年几次旅行。在制定任何建议之前，我相信在每个首席执行官的眼中展望。
随着我们的全球性大流行，现在比以往任何时候都更重要，省钱，减少费用，留在您的财务之中。顶级金融亚博app下载产品可以帮助您建立更多的财富。
全面披露：所有产品都是金融武士的联盟合作伙伴。亚博app下载随着每个注册，金融武士可能会支付推荐费。亚博app下载
Top Financial Products For 2021
让我们来看看今天的顶级金融产品，以帮助您越早实现金亚博app下载融独立性。2020年是一年的Doozy。投资者阶级有富裕，而数百万其他人落后。
为实现金融独立性，重要的是优化您的投资，最大限度地减少您的债务成本，并使稳固的战略职业生涯移动。
最佳抵押贷款市场
Credible- 可信是一个贷款市场，可免费提供真正的报价。而不是在不同的平台上申请抵押贷款，而是可以更有效地申请再融资或获得新的抵押贷款，这些抵押在多个合格的贷方将为您的业务竞争。
抵押贷款利率在2020年的历史记者倒塌，因为资本急于债券的安全。然而，由于经济重新开放的预期更高的通胀预期，抵押贷款利率在2021年恢复。通过获取合格的贷款人竞争您的业务，利用低利率。
就个人而言，我最近能够获得7/1巨型臂只需2.125％，没有费用。坚果是多么低廉的抵押贷款利率，这是房地产可能在2021+才能继续做好的原因之一。
看看你是否可以在这里降低抵押贷款率。可靠的有六个合格的银行竞争your business so you can get the lowest mortgage rate possible. You will get a free real quote after filling out the application.
- NMLS ID# 1681276
- 地址：320 Blackwell St. Ste 200，Durham，NC，27701
Best Free Wealth Management Tool
个人资本– Personal Capital has the best free wealth management tool for investors and people who are the most serious about planning for a healthy retirement. You can easily x-ray your portfolio for excessive fees, get a snapshot of your asset allocation by portfolio, track your net worth and plan for your retirement.
Think about Personal Capital as a sophisticated version of Mint or an interactive version of Excel. I spent two years consulting for them in their San Francisco and Redwood City offices. I’m also a shareholder in the company since 2014.
当世界上有如此多的不确定性时，你绝对必须留在你的财务之中。了解您的风险曝光。留在现金流上。个人资本的免费工具将帮助您对混乱带来冷静。在这里免费注册。
一旦您在资产中至少有100,000美元的投资组合链接，您也可以获得免费的投资组合分析会议，其中一项价值799美元。
我在2014年开始这个免费提供的时候，我有一个会议，会议帮助我认识到我真正的保守派。因此，我最终将大量的现金置于股票和房地产中。鉴于股票和房地产以来，结果已经很好。
这是我的全面个人资本审查。
最具吸引力的投资机会2021
Fundrise– Fundrise, founded in 2012, is one the best platforms for investors who wish to diversify their real estate exposure. Instead of concentrating your risk and money in one property, with Fundrise you invest smaller amounts of money (as little as $500) in a portfolio of properties with potentially higher returns across the entire country. The average historical range is between 8% – 10%.
随着股票的股票在范围（25倍）的历史高度和估值中，我更喜欢在2021年投资房地产。房地产是有形的，挥发性较少，提供实用性，并产生收入。在通货膨胀环境中，房地产是我最喜欢的资产类别，因为通货膨胀符合抵押贷款的成本，并提高财产的价值。
After selling my rental house in San Francisco for 30X annual gross rent in 2017, I reinvested $500,000 of the $1,800,000 proceeds in real estate crowdfunding. It is great to earn income passively and consistently, no matter the economic environment.
Most of the investments went into properties in the美国的心脏地带获得100％的被动收入。在昂贵的沿海城市房地产和廉价的心脏房地产之间的估值和净租赁屈服差异是有意义的。感谢大流行，城市地区的迁移是真实的。
由于它提供的收入和庇护所，房地产可以帮助庇护您的投资。由于抵押贷款利率下降，房地产的需求上涨，因为价格取得了成功。
与标准普尔500指数和Vanguard Real Estate ETF相比，查看乐趣的5年年度返回。2018年的表现表现为14％的表现强劲，而2015年股票无处可行的2015年的12％表现也是如此。我相信乐队将在2020年再次出现，因为股票因冠心病恐惧而受到影响。
Fundrise可以免费注册and is available for all investors – accredited and non-accredited.
房地产投资于认可的投资者
考虑到每次交易的高达10,000美元 - 25,000美元的认可投资者，请退房群体。Crowdstreet有一个直接赞助的模型，投资者直接与房地产赞助商直接投入，从而提高效率和沟通。此外，投资者不会收取投资费。相反，费用由赞助商承担。
I like CrowdStreet because their focus is on “18-hour cities.” 18-hour cities are also known as secondary markets that have lower valuations, higher cap rates, and higher upside potential due to demographic shifts.
当偏远工人期待省钱时，美国人口有一个“扇动”。全球大流行有助于加快这一趋势，因为许多公司永久允许其工人努力工作。
最佳奖励信用卡
我使用奖励信用卡来全部购买，所以应该。我最喜欢的奖励信用卡没有年费Chase Freedom Unlimitedcredit card. I’ve been a Chase cardholder for over 10 years and also do all my business banking with Chase.
Here are the card’s following features:
- 所有购买都可以获得无限的1.5％的现金
- No annual fee
- 在前15个月内购买0％介绍4月份
- 在前3个月在您花费500美元后获得200美元的奖金
- 奖金现金返回类别
- 在Chase UltimateRewards®门户网站中购买的旅行5％现金返还
- 餐厅3％的现金返还用餐，符合条件的送货/搬运
- 3% cash back on eligible drugstore purchases
- Redeem cash back with no minimums
- 只要您的帐户开放，奖励不会过期
注册在这里追逐自由无限卡。When you can get 50% higher cash back on all purchase than the typical cash back card and not have to pay an annual fee, you are winning!
Disclosure: Financial Samurai has partnered with CardRatings for our coverage of credit card products. Financial Samurai and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
最佳人寿保险市场
PolicyGenius.– In the past, you’d have to call a life insurance carrier one by one, fill out an application form, wait for a while, and not know whether the quote you received is any good or not. PolicyGenius helps you see multiple quotes at once so you can make a more informed decision.
我在旧金山的创始人，仁和弗朗西斯享用了晚餐，他们正在经历爆炸性的增长。
如果我们在大流行期间有一件事，那就是明天不保证。如果您有孩子和/或债务，请至少获得一个学期的人寿保险政策，以照顾您的幸存亲人。
2020年6月，我的妻子能够使用少30％的人寿保险覆盖量的双倍PolicyGenius.。You can see how she was able to get a great deal这里。
根据我最近的检查,它看起来像定期寿险insurance rates have come down in 2020. This is great because we now all have serious fears about our health due to the global pandemic.
这是我的全面PolicyGenius评论。
Best Personal Loan Lender
如果您没有足够的现金，您需要寻找经济实惠的个人贷款选择，以保持自己的播放。获得个人贷款Credible是一个很好的开始。
看看下面的图表。平均信用卡利率与平均个人贷款率之间的传播是在20年的高位。因此，您拥有昂贵的信用卡债务的人应考虑将您的债务巩固到较低的利率个人贷款中。
可信的也有最全面的个人贷款市场最多11个贷方竞争您的业务。在填写申请后，只需两分钟即可获得真实的个人贷款报价。
您没有理由为什么要支付昂贵的旋转信用卡债务。我们处于低利率环境，利率应下降。
最佳在线储蓄银行
在经济衰退期间，拥有一定数量的现金来覆盖您的生活费用6多个月非常重要。CIT Bank目前是我最喜欢的在线银行，您可以在那里获得最大的兴趣在货币市场账户中。因为他们是在线银行，但他们没有昂贵的物理商店开销。因此，他们可以通过他们的储蓄。
我最喜欢的产品是他们的savings builder account。They are paying a relatively health 0.4% APY if you maintain a $25K balance or deposit $100 a month. It’s tough to earn a high yield on your savings account because the Fed has slashed rates to 0% – 0.25%. But 0.5% is better than 0.0 – 0.1% that most banks offer today.
这是我的全面CIT银行评论。
最佳职业和遣散谈判书
How To Engineer Your Layoff- 我花了八年的制作和更新了这款200多页电子书，教授员工如何谈判遣散费并获得自由。您不仅可以获得遣散费，您还可能会获得医疗保健福利，请按照正常归属日程保留所有递延补偿，并符合失业救济金的资格。
Having a nice financial runway to move on to the next career, start a company, retire early, take care of a family, or simply travel the world is priceless. I personally negotiated a severance that paid for five years of living expenses. This allowed me to travel the world and work on Financial Samurai without stress.
If you are going to quit anyway, you might as well try and negotiate a severance. You have no downside to fighting for your rights. The book is now in its 5th edition and fully revised for 2021 and beyond with two new chapters, additional case studies, updated resources, and more. There are a total of 200 pages of actionable advice.
As unemployment claims rise, now is the time to try and work something out. Managers need to cut costs and would welcome volunteers in exchange for a severance. Further, the value of a severance package has gone up due to enhanced unemployment benefits. You can buy my book directly这里。使用“Saveten”节省10美元。
Use The Top Financial Products To Improve Your Life
自从我开始金融武士以来，我的座右铭一直是“亚博app下载越早越早实现金融自由。”立即使用顶级金融产品，您将亚博app下载大大提高实现金融自由的机会。
顶级金融亚博app下载产品应帮助您节省更多资金，赚更多的资金，并为您提供更多的信心管理您的财务状况。一旦你对自己的财务充满信心，你就可以更多地关注真正重要的：你的朋友，你的家人和你的目的。
If you would like to keep in touch, join the 42,000+ people who havesubscribed to my free newsletter。我每两周发一次一次。
关于the Author:
Sam worked in investment banking for 13 years at GS and CS. He received his undergraduate degree in Economics from The College of William & Mary and got his MBA from UC Berkeley. In 2012, Sam was able to retire at the age of 34 largely due to his investments that now generate roughly $300,000 a year in passive income. His main passive income focus is on亚博app下载官网下载to take advantage of cheaper valuations and higher cap rates in the heartland. He spends time playing tennis and taking care of his family.
亚博app下载金融武士始于2009年。它是网络上最值得信赖的个人金融网站之一，一个月超过150万页。Financial Samurai likes to highlight the top financial products to help people achieve financial freedomsooner, rather than later.
