Who does not like earning money back when they make purchases? When it comes to credit cards, you should have a couple of cashback credit cards in your credit card rotation to make sure you are optimally earning as much cashback as possible from your purchases. If you are currently researching for the next cashback credit card to add to your rotation, the following three credit cards are likely cards you have not come across:

1. The PayPal Cashback Mastercard

2. The Capital One SavorOne Rewards Mastercard

3. The American Express Blue Cash Everyday Card

1. The PayPal Cashback Mastercard

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Investing in the stock market is not supposed to be difficult, especially for the long term. There is no need to overthink it and make it complicated for yourself. Simple approaches work when it comes to developing your investor mindset. The following are three simple ways in which you can develop your investor mindset and be on the right path of long-term financial success:

1. Formulate an Actionable Plan

2. Establish a Desire to Succeed

3. Take Action

1. Formulate an Actionable Plan

When it comes to creating an actionable investing plan, the three key parts are the specific reasons…

A data center is a building, a dedicated space in a building, or a group of buildings used to house computer systems and their components for functions such as telecommunications, storage, and cloud computing. According to research by Technavio, the global data center market is expected to grow by $519.34 billion from 2021 to 2025, registering an estimated compound annual growth rate of over 21%. As an investor, it is important to understand how you can potentially gain exposure to the publicly traded REITs (Real Estate Investment Trusts) leading in the data center space. The following are two ETFs that…

You are probably already aware of travel credit cards like the Chase Sapphire Preferred, Chase Sapphire Reserve, American Express Platinum, Bank of America Premium Rewards, and the Capital One Venture Rewards. Those are some of the best travel credit cards at the moment, but I would like to let you know that there are two under-the-radar travel credit cards you should know about as well. Those two travel credit cards are:

1. The PenFed Pathfinder Rewards Visa Signature Card

2. The Navy Federal Visa Signature Flagship Rewards Card

1. The PenFed Pathfinder Rewards Visa Signature Card

The PenFed Pathfinder Rewards…

You should have a few stocks in your portfolio that you genuinely believe in so that you can increase your chance of witnessing even stronger returns in the long term. If you are already invested in a couple of ETFs and still are not sure about the two to three individual stocks you would like to invest in, I would like to tell you a method to simplify your thought process. The following three steps will help simplify the method of using an ETF to simplify your long-term investing in individual stocks:

1. Select an ETF

2. Select Five of…

Total return, when measuring performance, is the actual rate of return of a security or a portfolio of securities over a given period. Total returns include items such as capital gains, dividends, and distributions realized over the given period. Why should I care about total return? As a long-term investor, it is a key metric to look at regarding the performance of your portfolio. The higher the total return of your portfolio, the better it has performed over time. The following two points will help to simplify total return further:

1. How Total Return is Expressed

2. Average Annual Total…

The loan-to-value (LTV) ratio assesses lending risks that lenders examine before approving an individual for a mortgage. The formula for LTV is the mortgage amount divided by the appraised property value. Typically, the higher the LTV is, the more risker the mortgage is considered. In the case of a high LTV, the mortgage will likely be issued with mortgage insurance, which typically ranges from 0.5–1.5% of the loan amount per year to offset the risk to the lender. The following two points will help to simplify further LTV:

1. LTV Example

2. Programs That Allow for High LTVs

1. LTV…

Semiconductors help to power the devices we use and the technological processes we take for granted daily. A semiconductor is a material, such as silicon or germanium, that is neither a good conductor of electricity nor a good insulator of electricity. Its function is to be doped to create an excess or lack of electrons to assist with electronic functions such as computer processing. A computer chip such as the central processing unit (CPU) is made of semiconductor materials. Semiconductors are what allow for the miniaturization of CPU components, such as transistors.

In gaining a better understanding of semiconductors, you…