# My Blog ## Posts - [What Is Tax-Loss Harvesting?](http://hirehorizon.online/2024/06/30/what-is-tax-loss-harvesting/): Tax-loss harvesting involves offsetting capital gains with capital losses so that little or no capital gains tax comes due. - [What Is Current Cash Value?](http://hirehorizon.online/2024/06/30/what-is-current-cash-value/): Actual cash value (ACV) is how an insurance company measures a property's worth at a given moment in time. It accounts for depreciation. - [What It Means for a Stock to Be Overweight](http://hirehorizon.online/2024/06/30/what-it-means-for-a-stock-to-be-overweight/): If you've ever read a report from an investment analyst, you may have seen stocks described as “overweight.” It can be a confusing term. - [What Is a Stock Market Quote?](http://hirehorizon.online/2024/06/30/what-is-a-stock-market-quote/): A stock quote shows the current price of a stock based on recent activity on its exchange. - [What Are Fungible Investments?](http://hirehorizon.online/2024/06/30/what-are-fungible-investments/): Fungible investments can be bought and sold on different exchanges. - [What Is Elder Law?](http://hirehorizon.online/2024/06/30/what-is-elder-law/): Elder law is a field of law that focuses on legal issues that affect older individuals. - [What Is an Enhanced Life Estate Deed?](http://hirehorizon.online/2024/06/30/what-is-an-enhanced-life-estate-deed/): An enhanced life estate deed transfers ownership of property after the owner's death without the necessity for probate. - [Best Ways To Use a HELOC](http://hirehorizon.online/2024/06/30/best-ways-to-use-a-heloc/): If you're looking for flexible funding, you can tap into your home equity with a home equity line of credit (HELOC). - [Today's Mortgage Rates & Trends, May 9, 2022](http://hirehorizon.online/2024/06/30/todays-mortgage-rates-trends-may-9-2022/): Average 30- and 15-year mortgage rates climbed back toward their recent peaks, the latest in a series of up-and-down swings. - [5 Types of Mortgage Loans](http://hirehorizon.online/2024/06/30/5-types-of-mortgage-loans/): If you're like most people, you'll need to take out a mortgage to buy a home. - [Recent Losing Streak Ends Longest S&P Run Since 1928](http://hirehorizon.online/2024/06/30/recent-losing-streak-ends-longest-sp-run-since-1928/): “The last decade has very much been the exception rather than the norm,” they wrote in a commentary. - [Which Is Best for You?](http://hirehorizon.online/2024/06/30/which-is-best-for-you/): A starter home gets you out of renting and into ownership, with the expectation that you'll eventually move on to another home. - [Types of Whole Life Insurance](http://hirehorizon.online/2024/06/30/types-of-whole-life-insurance/): Whole life insurance is a type of permanent coverage that's offered in a range of “styles” to suit different needs. - [Shelter Insurance Homeowner's Policy Review](http://hirehorizon.online/2024/06/30/shelter-insurance-homeowners-policy-review/): One of the biggest investments you will ever make is your home. - [What Is an Insurance Declaration Page?](http://hirehorizon.online/2024/06/30/what-is-an-insurance-declaration-page/): An insurance declaration page sums up what is in an insurance policy. - [What Is Amortization?](http://hirehorizon.online/2024/06/30/what-is-amortization/): Amortization is the way loan payments are applied to certain types of loans. - [CD Early Withdrawal Penalties](http://hirehorizon.online/2024/06/30/cd-early-withdrawal-penalties/): When you incur penalties on a CD withdrawal, you can lose money and walk away with less than you deposited, in addition to missing out on interest that you would have earned. - [How To Get SBA Loans for Franchises](http://hirehorizon.online/2024/06/30/how-to-get-sba-loans-for-franchises/): The 7(a) loan program is a popular SBA loan because it allows for a wide variety of uses for the funds. - [How To Finance an Airbnb Business](http://hirehorizon.online/2024/06/30/how-to-finance-an-airbnb-business/): Hosting a place on Airbnb can be a lucrative undertaking—although financing the initial investment might seem daunting. - [HELOC Pros and Cons](http://hirehorizon.online/2024/06/30/heloc-pros-and-cons/): Both home equity loans and HELOCs are secured by the value of your home. The amount of equity that you have directly impacts the amount that you can borrow. - [Power of Attorney Duties After the Principal's Death](http://hirehorizon.online/2024/06/30/power-of-attorney-duties-after-the-principals-death/): You can't get a power of attorney to act for someone after they have died, and an existing power of attorney becomes invalid upon the death of the principal—the individual who gave you the right to take certain actions on their behalf. - [What Is the Fair Housing Act?](http://hirehorizon.online/2024/06/30/what-is-the-fair-housing-act/): The Fair Housing Act is a law enacted in 1968 and has been updated several times since its inception. - [Is a Reverse Mortgage a Ripoff?](http://hirehorizon.online/2024/06/30/is-a-reverse-mortgage-a-ripoff/): Reverse mortgages are special types of loans that give older homeowners a way to turn their home equity into a source of income they can use during retirement. - [Alternatives to a Home Equity Loan](http://hirehorizon.online/2024/06/30/alternatives-to-a-home-equity-loan/): A home equity loan, or second mortgage, allows you to withdraw the equity you've built up in your home so you can use the cash to make repairs to your home, pay for college tuition, or consolidate your debt, for example. - [What Is an Unrecaptured Section 1250 Gain?](http://hirehorizon.online/2024/06/30/what-is-an-unrecaptured-section-1250-gain/): A higher unrecaptured Section 1250 tax rate applies to long-term capital gains for which a taxpayer has previously claimed depreciation. - [Terri Huggins - The Balance](http://hirehorizon.online/2024/06/30/terri-huggins-the-balance/): Terri Huggins is an award-winning journalist with more than 10 years of professional experience writing about personal finance, parenting, and emotional well-being. - [Peter Lauria - The Balance](http://hirehorizon.online/2024/06/30/peter-lauria-the-balance/): Peter Lauria has more than 20 years of experience as a business writer and editor. - [What Are Series HH Savings Bonds?](http://hirehorizon.online/2024/06/30/what-are-series-hh-savings-bonds/): Series HH savings bonds were a type of Treasury bond that directly deposited interest payments into an investor's account. - [Leveraged ETFs: What Are They?](http://hirehorizon.online/2024/06/30/leveraged-etfs-what-are-they/): A leveraged exchange-traded fund (ETF) is a type of financial product designed to track an underlying index at higher rates of return. - [What Is Title Insurance?](http://hirehorizon.online/2024/06/30/what-is-title-insurance/): Title insurance can protect both buyers and lenders from financial losses that may occur after a home sale. - [High-Value Home Insurance: What Is It?](http://hirehorizon.online/2024/06/30/high-value-home-insurance-what-is-it/): High-value home insurance is a type of homeowners insurance that is designed for homes with high market value. - [What Is Loan/Lease Payoff Insurance?](http://hirehorizon.online/2024/06/30/what-is-loan-lease-payoff-insurance/): Loan/lease payoff insurance will pay up to 25% of your vehicle's current cash value after your insurance company has paid you if the vehicle is stolen or totaled. - [What Is Bad Credit?](http://hirehorizon.online/2024/06/30/what-is-bad-credit/): A consumer with bad credit is considered a risky borrower, usually due to owing large amounts of money or having a history of unpaid bills and debts. - [Gas Prices Break New Record After Brief Reprieve](http://hirehorizon.online/2024/06/30/gas-prices-break-new-record-after-brief-reprieve/): US gas prices reached a new record high Tuesday, erasing the modest relief seen in April. ## Pages - [Sample Page](http://hirehorizon.online/sample-page/): This is an example page. 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