Finance Attitude - 6 Guaranteed Safe Investments to Make
Investors’ first step before making any investment is to evaluate their risk tolerance. Risk-averse investors select low-risk investment options. With low risk investments options, the investor is less likely to lose their principal amount and can earn a return on their investments.
JACKSON, Miss.--(BUSINESS WIRE)-- Wells Fargo & Company (NYSE:WFC), NeighborWorks® America and its network member, Hope Enterprise Corporation (HOPE), today announced the Neighborh
Finance Attitude - 10 Legit Passive Income Ideas
10 Legit Passive Income Ideas
Passive income ideas are ways that help you generate income without your having to do any work or doing very little if there is any. It’s derived from rental property or other enterprises in which a person is not actively involved. It is revenue that you keep getting for work that you did once or something that you purchased. There are numerous opportunities to make residual income. Here are 10 passive income ideas that you can try: 1.    Bond, Stocks and Real Estate Investments Investments are a good source of passive income. Unless the bond issuer defaults, a bond guarantees the investor steady regular income. You can receive scheduled regular income payments as agreed on the schedule until the bond matures whereupon you get back your initial investment. The major downside of bonds is that they are highly affected by the volatility of the interest rates and when interests are low, the investor earnings are also low. Stocks earn passive income called dividend. Not all stocks give investors dividend payments and so it is prudent to do research and find out the stocks that pay dividends. It may not be as guaranteed as bond payments but it’s worth trying. Real estate’s are the best forms of acquiring passive income. When you become a landlord, you are guaranteed regular payments in form of rent payments from your tenants. Purchasing or building a house can be quite expensive and so you can opt to invest in the crowdfunded real estate. You can invest in Real estate investment trust funds (REITs) which are more affordable. 2.    Peer-to-Peer Lending This is another way to make passive income. It involves lending other people money and particularly those who don’t qualify for the traditional financing. You can invest in a company like the lending club and start earning passive income. 3.    Open a High-Yield qccount You can make low-risk returns by opening a high-yield savings account with an online bank that guarantees you higher interest on your savings than the traditional and most local banks. These accounts are more secure as they are FDIC insured. 4.    Get Out of Debt You can save a lot of money by getting out of debt as soon as possible. You will save the money that could have gone to creditors in terms of interest payments each month. 5.    Rent Out Your House If you have an extra room that you rarely use, you can rent it out to someone looking for a short-term rental on a platform like Airbnb. While this only gets you earnings once in a while, it can bring you amazing returns when you get a client. 6.    Affiliate Marketing Affiliate marketing is a great way to make extra income.  Create a blog or a niche website or if you have an existing one, you can use it to promote your link. It helps you earn commissions at no extra cost to you when people purchase the product or service. 7.    Write an eBook Writing a book may be tedious but once the work is complete, selling it can be a great way to produce some decent residual income.  You can use a site like Amazon to promote and sell your book. 8.    Create an Online Course If you have a deep knowledge about a certain subject, you can create an online course and share it with people who are interested in the subject. You can also help answer questions and give opinions in survey sites and earn from it. 9.    Create a YouTube Channel If you have a talent in something, like for example you can sing, create poems, act, do a stand-up comedy, say a spoken word or any other form of creativity, you can create a you-tube channel and earn from pop-up ads. 10.    Creating an App With the latest technology, a lot of things are made easier by the use of an app. Developing an app can be a way to generate passive income when people download it and update it. You can also earn from pop-up ads. Bottom Line There are dozens of passive income ideas out there that you can invest in. I hope this article has given you some valuable insights on some of the passive income ideas that you can try.

NEW YORK--(BUSINESS WIRE)-- Renovation expert Jonathan Knight, best known as a member of the Grammy®-nominated boy band New Kids on the Block, will take fans step-by-step when he r
SAN FRANCISCO & SAN MATEO, Calif.--(BUSINESS WIRE)-- PBteen, a member of the Williams-Sonoma, Inc. (NYSE: WSM) portfolio of brands, and Sony Interactive Entertainment (SIE), today
PITTSBURGH--(BUSINESS WIRE)-- PPG (NYSE:PPG) today announced the appointment of Vincent Robin as president, Asia Pacific region, effective January 1, 2019, in addition to his curre
(PRNewsfoto/Hunt Mortgage Group) (PRNewsfoto/Hunt Mortgage Group)
Hunt Real Estate Capital Refinances a Manufactured Housing Community Located in Boulder, Colorado
NEW YORK, Oct. 19, 2018 /PRNewswire/ -- Hunt Real Estate Capital, a leader in financing commercial real estate throughout the United States, announced today it provided a Fannie Mae conventional multifamily loan in the amount of $39 million to refinance a manufactured housing community located in Boulder, Colorado. The loan has a ten-year term with a thirty-year amortization period and 114 months yield maintenance. The borrower is a diversified real estate investment firm with a long record of accomplishment in the MHC sector. Boulder Meadows MHC is a 638-unit, 4-Star multifamily/mobile home park community. Included in the 638 units are 97 community-owned homes, of which three are used as residences for the community manager, maintenance supervisor, and for corporate use. Boulder Meadows was developed in 1970 and is 99% leased. The property is in good condition and has asphalt paved roads with curbing and sidewalks. Property amenities include a swimming pool, tennis court, playground, clubhouse/recreational building, basketball court, security, leasing office, and public water/sewer. "The borrowers have successfully owned and operated Boulder Meadows MHC for 30 years and have extensive experience investing in manufactured housing properties," noted Josh Messier, Managing Director at Hunt Real Estate Capital. "Over their long history in the sector, they have owned and managed over 15,000 pads across 45 parks." "Over the past four years, the owners have spent approximately $1 million on capital improvements," added Messier. "In addition, they plan to invest in additional non-recurring site projects." Planned improvements on-site include sewer upgrades, installation of a gate to the sports court, site/pedestal upgrades and driveway overlays.  "We were pleased to provide the financing needed to secure this property for a strong manufactured housing sponsor and provide quality affordable housing for the residents of Boulder," concluded Messier. About Hunt Real Estate Capital Hunt Real Estate Capital, part of Hunt Companies, Inc., is a leader in financing commercial real estate throughout the United States. The Company finances all types of commercial real estate: multifamily properties (including small balance), affordable housing, office, retail, manufactured housing, healthcare/senior living, industrial, and self-storage facilities. It offers Fannie Mae, Freddie Mac, FHA financing and its own Proprietary loan products. Since inception, the Company has structured more than $27 billion of loans and today maintains a servicing portfolio of more than $15 billion. Headquartered in New York City, Hunt Real Estate Capital has 241 professionals in 25 locations throughout the United States. To learn more, visit MEDIA CONTACTSBrent FeigenbaumHunt Real Estate Pam View original content: SOURCE Hunt Real Estate Capital
CHANDLER, Ariz., Oct. 17, 2018 /PRNewswire/ -- SilverSneakers(®), the nation's leading community fitness program for older adults, launched SilverSneakers GO(TM), a mobile fitness app that fits the goals, preferences, and lifestyles of active adults. With workout programs designed specifically for seniors, SilverSneakers GO unlocks access to a library of guided exercises and activities created by trained SilverSneakers instructors to motivate users and help them achieve fitness goals.
OAK BROOK, Ill., Oct. 17, 2018 /PRNewswire/ -- Look! Up in the sky, it's a bird, it's a plane, it's a leading pension plan, encouraging people to plan and save for retirement. The Illinois Municipal Retirement Fund (IMRF), the state's second-largest and best-funded statewide public pension plan, is alerting citizens from Metropolis to Wauconda, to be their own heroes during National Retirement Security Week, October 21-27, 2018.
FAIRFIELD, Conn., Oct. 16, 2018 /PRNewswire/ -- HJ Sims (Sims), a privately held investment bank and wealth management firm founded in 1935, is pleased to announce the successful September 2018 closing of a $69,875,000 bond underwriting, $70,450,000 financing, and $14,000,000 subordinate financing for Legacy Midtown Park (Legacy), a Jewish-sponsored, not-for-profit, start-up rental CCRC located in Dallas, TX, and managed by Legacy Senior Communities. Legacy will be comprised of 325 total units, including independent and assisted living, and memory support residences, and a health care center with nursing beds. In August 2016, Sims successfully completed a $45,355,000 financing for Legacy at Willow Bend (Willow Bend), a sister community in Plano, TX. As of June 2018, Willow Bend's occupancy was 95%; the bonds are presently rated BBB- by Fitch.
Novaliq Announces Positive Topline Results for Its CyclASol® Phase 2B/3 Essence Trial in Patients with Dry Eye Disease
Oct. 18, 2018 05:30 UTC The ESSENCE trial met its primary endpoint at 4 weeks and demonstrated superiority of CyclASol® over vehicle in change from baseline on corneal fluorescein staining CyclASol® further showed statistically significant improvements over vehicle in secondary symptom endpoints CyclASol® demonstrated an early onset of action, exceptional tolerability profile due to the benefits of its water-free formulation and its unique mechanism of active drug delivery HEIDELBERG, Germany--(BUSINESS WIRE)-- Novaliq, a specialty pharmaceutical company for the development and commercialization of first- and best-in-class ocular therapeutics based on EyeSol®, the worldwide first water-free technology for ophthalmology, today announces positive topline results from ESSENCE, its first pivotal clinical trial of CyclASol® 0.1% for the treatment of dry eye disease (DED). This press release features multimedia. View the full release here: Novaliq-CyclASol 0,1% (Photo: Business Wire) CyclASol® 0.1% is a preservative-free ophthalmic solution of 0.1% cyclosporine A in EyeSol® developed for the treatment of DED. Potential advantages to other cyclosporine A containing ophthalmic treatments are improved efficacy and an earlier onset of effect combined with an excellent tolerability profile. Since November 2017, Novaliq has conducted the ESSENCE phase 2b/3 clinical trial, which enrolled 328 patients at 9 clinical sites in the United States. ESSENCE was designed to confirm the results of the CYS-002 proof of concept trial in the US, in which CyclASol® demonstrated strong drug effects vs. vehicle with excellent safety and tolerability [Scientific Posters AAO 2017, #PO059]. ESSENCE was a pivotal, randomized, double-masked, vehicle-controlled, multi-center phase 2b/3 clinical trial (NCT03292809) and was designed to evaluate the efficacy, safety and tolerability of topical CyclASol® 0.1% for the treatment of patients with aqueous deficient dry eye disease (DED). ESSENCE evaluated its primary efficacy endpoint at 4 weeks with continued dosing for efficacy and safety evaluations over a period of 3 months. The ESSENCE trial met its primary efficacy endpoint, improvement of total corneal fluorescein staining over vehicle at Day 29 (4 weeks), with high statistical significance (p = 0.0002). The effect started as early as two weeks after start of treatment and was maintained over the entire duration of the study. Consistent with the previous clinical study, the central area of the cornea benefitted most. The clinical significance of these outcomes is further shown by a high responder rate (>50%) on both corneal (at 4 weeks) and conjunctival (at 3 months) staining. The second primary endpoint OSDI®, which was tested hierarchically after total corneal fluorescein staining and was not powered, indicates that all patients benefit from the treatment. Secondary endpoints on DED symptoms, as measured by the visual analogue scale (VAS), reached statistical significance over vehicle at Day 29. The study confirmed the excellent safety and tolerability profile of CyclASol®. The instillation site reaction adverse events occurred in 2.5% of the CyclASol®-treated group. “The consistency of efficacy outcomes across timepoints and endpoints demonstrated in this study are impressive. An improvement in corneal staining, particuarly in the central area of the cornea, is highly relevant, as it affects visual symptoms,” said John Sheppard MD, Professor of Ophthalmology, Eastern Virginia Medical School. “The profile of CyclASol® 0.1%, twice-daily eye drop solution, addresses current medical needs for patients with DED and for clinicians who strive to offer their patients optimal risk-benefit therapies”. “We are very pleased with the outcomes from ESSENCE. CyclASol® 0.1% unfolds the full potential of cyclosporine for the first time in the treatment of DED and demonstrates the superior benefits of our non-aqueous, preservative-free formulation, allowing clinicians to treat more of their patients suffering from DED”, says Gabriela Burian MD, Consulting CMO for Novaliq GmbH. “These results provide pivotal evidence and a clear direction for Novaliq to pursue a timely completion of the clinical development of CyclASol®”. Detailed topline results of ESSENCE will be presented for the first time by Novaliq’s CEO, Christian Roesky, during the Ophthalmology Innovation Summit (OIS) on October 25th, 2018 in Chicago, USA. For further information, please send an email to About Novaliq Novaliq is a pharmaceutical company focusing on the development and commercialization of first- and best-in-class ocular therapeutics based on EyeSol®, the worldwide first water-free technology for ophthalmology products. With an initial focus on dry eye disease (DED), Novaliq offers an industry-leading portfolio addressing today’s unmet medical needs of millions of patients with eye disease. Novaliq’s lead assets in late-stage clinical development are: CyclASol®, an anti-inflammatory and immunomodulating drug for the treatment of DED with a demonstrated early onset of action and an excellent tolerability NOV03, the first drug addressing evaporative DED associated with meibomian gland dysfunction (MGD) NovaTears® water-free eye drops for dry eye have CE Marking and are commercialized in Australia/New Zealand by AFT Pharmaceuticals and in Europe as EvoTears® by Ursapharm. Novaliq is headquartered in Heidelberg, Germany and has an office in Cambridge, MA, USA. The long-term shareholder is dievini Hopp BioTech Holding, an active investor in Life and Health Sciences companies. More on About Dry Eye Disease Dry Eye Disease (DED) is a multifactorial and complex disease of the ocular surface [1]. Currently more than 16 million Americans are diagnosed with DED while only 2 million patients are receiving treatments [2]. The majority of diagnosed DED patients fail to get a satisfactory response with current Rx medications. The current treatments provide low responder rates in clinical trials and limited healing effects on cornea and conjunctiva. In addition to dryness-related symptoms, impairment of visual function plays a significant role in the reduction of work productivity and patients’ health-related quality of life. Recent investigations and evidence reveal the influence and high relevance of cornea and ocular surface damage on visual symptoms that affect functions such as reading, looking at screen displays, driving and night vision [3,4]. Source: 1. Craig et al., TFOS DEWS II Definition and Classification Report. Ocul Surf 2017, 15:276-283. 2. Ocular Drug Delivery Report, MCD Group, July 2017. 3. Ridder et al., Evaluation of Reading Speed and Contrast Sensitivity in DED. Optom Vis Sci 2013, 90:37-44. 4. Karakus et al., Effects of Prolonged Reading on Dry Eye. Ophthalmology 2018, 125:1500-1505. # # # View source version on Contacts Novaliq GmbHHeidrun KirschVP Source: Novaliq Smart Multimedia Gallery Photo Novaliq-CyclASol 0,1% (Photo: Business Wire) Logo View this news release and multimedia online at: