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Apache is functioning normally

July 15, 2023 by Brett Tams

If you’re in the running for a new job and decide to withdraw from the interview process, the way to do so is simple. According to Diane Farrell, career services director at the University of North Georgia, here’s the best approach: Write a brief and polite email thanking the hiring team for considering you for the role and letting them know you’ve decided not to move forward.

Don’t just disappear on the employer, warns Farrell, who’s spent more than 20 years in career services. Once you decide to withdraw, promptly communicate that with the hiring team.

In your email, keep the tone friendly and express your gratitude. “You want to exit as positively as possible,” she says. So there’s no need to detail the reasons you’re withdrawing, which could seem like critiques.

“You don’t have to be super specific,” Farrell says. “You do not want to burn bridges.”

Why would you withdraw from the interview process?

Until you accept a job offer, withdrawing from the interview process is always an option, Farrell says. It might take several conversations with people at the company for you to know whether it’s a job you’d want to accept.

Here are common reasons you might withdraw from the interview process:

The job would be a bad fit. Ask questions about the role’s responsibilities, daily workload and performance metrics to help you get a sense of the company’s priorities and whether the job really appeals to you, Farrell says. Keep in mind that the description in a job posting isn’t always accurate.
The process is slow and frustrating. A 2022 Talent Board report on job candidate experience showed that people interviewing with North American companies sometimes dropped out because hiring teams disrespected their time. Poor communication and a drawn-out process could tell you a lot about what it might be like to work for the company.
They won’t meet your expectations for pay. You could get all the way to a job offer and find out the company’s budget is too far below your salary demands. If they won’t negotiate enough to offer a compensation package you can accept, the right move might be to walk away.
You’ve accepted another offer. Once you’ve accepted an offer and signed an agreement for a new job, it’s a good idea to drop out of any other ongoing searches. If you’re interviewing for multiple jobs at once, be careful not to accept one of them if you’re not willing to give up the possibility of the others. “I wouldn’t recommend withdrawing after you’ve signed an agreement,” Farrell says. “It could burn a bridge with that particular organization.”

Source: nerdwallet.com

Apache is functioning normally

July 15, 2023 by Brett Tams

That health care costs are rising needs no debate. But that is not only true for healthcare costs for people – it also extends to our pets. And while rising costs are the unfortunate dark side of healthcare, the upshot is that these have largely been driven by dramatic advances in technology and treatment for both people and pets.

But those advances have made insurance more necessary and desirable than ever. For that reason, we prepared this guide, listing what we believe to be the seven best pet insurance companies of 2023.

Before we get into a deep dive, the comparison table below provides a quick overview of the seven best pet insurance companies of 2023 with their most basic features:

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Our Picks for Best Pet Insurance Companies

In surveying the dozens of companies now offering pet insurance, we’ve narrowed the list down to what we believe to be the seven best providers in the space:

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Best Pet Insurance Company Reviews

Below are summaries of the pet insurance plans offered by each of the seven best pet insurance companies of 2023. You can click the link at the end of the summary to access our full review of the company and the coverage it offers.

Pros

0% copay option available
Low deductibles
Contact a licensed vet 24/7
Manage transactions via app

Cons

No hereditary condition coverage on pets enrolled after age 2
Few riders
Knee injuries and orthopedic conditions have 6-month waiting period

Figo claims to be the first cloud-based pet insurance company in the industry. But what makes the company stand out from the competition is one of their three plans – Ultimate – which offers virtually unlimited veterinarian coverage each year. Naturally, you’ll pay more in premiums for that plan.

But they also offer their Essential and Preferred plans, with lower maximum benefits of $5,000 and $10,000. Each plan features lower premiums than the Ultimate plan.

The all-online platform enables you to upload veterinary bills, followed by an electronic payment. Payments are typically processed in under three business days. You can take your pet to any licensed vet in the world because Figo reimburses you, not the provider.

See our Figo Pet Insurance Review

Pros

Accident-only coverage for pets over 15 years old
Includes coverage for curable pre-existing conditions
Deductibles shrink $50 for every claims-free year
High $30K annual reimbursement limit

Cons

No wellness policy or rider
Only available in U.S. states, not Canada or U.S. territories
Coverage only available for dogs and cats

Embrace Pet Insurance offers dental insurance covering treatments for up to $1,000 for each policy year. In addition, they’ll pay fees for visits related to illness or injury (but not wellness).

Embrace also offers a diminishing deductible provision. Each year your pet is in the plan, with no claim reimbursement, the amount of the deductible is reduced by $50. The deductible can even go all the way to zero.

You can purchase a Wellness Rewards plan that will provide $250, $450, or $650 per year in reimbursement. There are no per-incident limits on claims, nor is there a lifetime limit on your pet’s coverage. However, you should be aware that policies are available only for pets ages 14 and younger.

See our Embrace Pet Insurance review

Pros

Full reimbursement available, with 0% deductible options
1% of profits donated to pet charities
Coverage for vet-prescribed behavioral therapy and training

Cons

Low $750 reimbursement limit for wellness plan
Year-long waiting period for hip dysplasia or ligament conditions

TrustedPals get our vote for the best provider for older pets. That’s because there is no age limit for either dogs or cats. Most pet insurance companies set a maximum age, which is commonly 14. It’s also worth noting this company does have a plan that offers 100% reimbursement.

Claims are processed within 10 days of submission, which is about the middle of the range for all insurance companies. But the company does offer premium discounts for active-duty members of the military, veterans, first responders, and those in several other professions.

A wellness plan is available that will cover up to $750 for routine visits and care.

See our TrustedPals Pet Insurance Review

Pros

Coverage for different exotic pets, including birds
Covers visits all over the world
Uncommon 50% reimbursement option available
Free 24-hour helpline

Cons

Only one deductible available ($250)
Limits reimbursements
Hard to find common information

Nationwide Pet Insurance provides health insurance coverage for dogs and cats, but they’re one of the very few companies offering coverage for exotic pets. They claim to be the largest pet insurance company, ensuring over 1 million pets nationwide.

And of course, one of the major advantages with Nationwide is that it’s a major insurance company. That means you can purchase multiple policies with the same company. They even offer a 5% discount for purchasing a new pet policy.

Nationwide works by reimbursement. You can choose either a percentage of each invoice or select a set benefits schedule.

See our Nationwide Pet Insurance review

Pros

Covers prescribed alternative therapies
Direct payment option available in some cases
Most claims processed in two days
No caps per-incident, yearly, or lifetime

Cons

Only provides a single policy
Coverage limits for older pets
Doesn’t cover office exams

Healthy Paws has what might be the fastest reimbursement times in the industry. Those claims are processed and paid within two days of submission. Healthy Paws also has no caps or maximum limits on coverage, either annually or based on your pet’s lifetime.

Healthy Paws is also a foundation. The company donated more than $1.6 million toward homeless pets in 2021.

You should be aware that Healthy Paws doesn’t require your pet to submit to a “full, nose to tail physical exam” by a licensed veterinarian to be eligible for coverage. Additionally, no diagnostic testing, like x-rays or blood work are required.

See our Healthy Paws review

Pros

Covers mobility issues such as wheelchairs or prosthetic devices
Option for direct payments available
Deductibles range from $50 to $1K

Cons

Only two benefit maximums offer low customizability
Claims processing may take 30 to 45 days
Parasite treatments not covered

Pets Best gets our vote for the best pet insurance company paying directly to veterinarians and other providers. While you do have the option to make payments and receive reimbursement from the company, you can also opt to have payment sent directly to your provider. That can streamline the process, eliminating the need to make payments out of your own resources.

We also like that Pets Best coverage extends to veterinarians throughout the US, as well as Canada.

Pets Best offers simple terms, with a choice of deductibles ranging from $50 to one thousand, and just two maximum benefit levels of either $5,000 or unlimited.

See our Pets Best review

Pros

Includes virtual vet visits
Reimburses up to $1K in board fees if owner is hospitalized
Coverage available from as little as 6 weeks
No lifetime or per-condition claims limit

Cons

Zero preventative care
Limits coverage for senior pets
Must take cat or dog to the vet within 48 hours of symptoms for coverage to apply

Petplan has changed its name to Fetch by the Dodo. But it offers what may be the most comprehensive plan of any pet insurance company. That’s because they include exam fees and dental coverage with every policy. In addition, they also provide coverage for breed-specific conditions. This may be important for those that have a particular breed at home that is prone to sickness.

They advertise average monthly premiums of $35 for dogs and $25 for cats. If that’s remotely accurate, it means Petplan is on the lower end of the pet insurance cost scale. The company also claims that bills will be reimbursed in as little as two days, through direct deposit into your bank account.

See our Petplan review

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Pet Insurance Guide

What Does Pet Insurance Cover?

Pet insurance policies typically cover both accidents and illness, though there are policies for accidents only that are less expensive. Accidents will include injuries, poisonings, sprains, and ACL ruptures. Illnesses will include the common variety, like ear infections and diarrhea, as well as chronic conditions, like allergies and arthritis. They’ll also cover serious illnesses, like diabetes and cancer.

You can generally expect insurance policies to cover diagnostic tests, including x-rays, MRIs, CT scans, ultrasounds and blood tests. Many policies also extend to hereditary conditions, such as hyperthyroidism, and blood disorders. A few even cover holistic and alternative therapies, like acupuncture and chiropractic through extended wellness coverage.

But most policies exclude wellness care. That includes routine visits to the vet, annual checkups, vaccinations, and flea and heartworm preventive care. Most pet insurance companies will offer you a wellness package at an additional cost.

You can read more about specific illnesses, accidents, and treatments pet insurance typically includes by checking out our dedicated post, What Does Pet Insurance Cover?

Types of Pet Insurance Plans

There are three basic types of pet insurance plans: Comprehensive Care, accidents-only, and wellness coverage. Each one covers different areas related to your pet’s health, and you may typically have the option to customize your plan in order to fit your needs.

Comprehensive Care

This is the full version of pet insurance, often referred to as an accident and illness policy, because it extends to both illness and accidents. As you might expect, it is also the most expensive, premium-wise. But if you can afford it, this is definitely the coverage level to choose. It’ll cover your pet during just about any kind of medical condition, as well as treatment for accidents, and common illness.

Medical events covered by comprehensive include:

Both accidents and illness
Treatment for common illnesses
Surgery
Hospitalization
Emergency care
Prescription meds
Diagnostic testing
Chronic conditions
Hereditary conditions

Though these are the most common medical conditions covered, some companies offer expanded lists. Some include rehabilitation, and even alternative treatments, like acupuncture and laser therapies. You can even extend your plan’s policy to cover your pet’s behavioral conditions.

Exclusions. The major exclusion with nearly all pet insurance companies are pre-existing conditions. Each company has its own definition of what constitutes a pre-existing condition. But a common definition is any health condition for which your pet has been treated within 12 months prior to acceptance into the plan.

Many companies will provide coverage for pre-existing conditions after 12 or 24 months have passed since the latest episode. That said, some companies will cover any pre-existing conditions known to exist at the time of application. If your pet does have a pre-existing condition, you’ll need to be aware of exactly how the insurance company will handle it.

Other exclusions include cosmetic procedures (as for show dogs), declawing, ear cleaning, or an act of war.

Another common exclusion is wellness coverage. That includes spaying or neutering. But many companies offer a wellness coverage benefit at additional cost, which we’ll cover in this section.

Accidents Only

Pet insurance companies offer accident-only policies to enable pet owners to purchase partial coverage at a greatly reduced rate. Though it does not extend to coverage for illnesses, it does cover common accidents and injuries, including broken bones, sprains, ingesting poison, and injuries resulting from collisions or attacks by other animals.

Just as is the case with comprehensive policies, there are certain accidents and injuries that don’t qualify for coverage. These include events like intentional injury inflicted by the pet owner, injuries sustained from racing or fighting, or a dog acting in a personal protection capacity.

And as is typically the case with all insurance policies, any accidents sustained in the commission of an illegal act – presumably by the pet’s owner – won’t be covered.

Wellness Coverage (Preventive Care)

Wellness care refers to any type of treatment that is not related to an illness or injury. That includes annual physicals, vaccinations, preventive treatments, and other routine vet visits.

Only a very small number of companies include any kind of wellness coverage within their comprehensive care plans. The reason they don’t is simple: to lower premium costs.

Wellness visits, while typically low in cost, are both frequent and predictable. Including them within a comprehensive plan would raise premiums by several hundred dollars per year.

However, most pet insurance companies offer wellness coverage as an additional policy option. As such, it gives pet owners the choice of either including routine care in the plan and paying a little extra, or paying out of pocket for routine care and visits.

Embrace has one of the best examples of a wellness plan, which they refer to as Wellness Rewards for Routine Care. It is a separate policy option and offers different reimbursement tiers that cover essential pet treatments like grooming, vaccinations, and even training.

You can also be reimbursed for wellness exam fees, microchipping, flea, tick, and heartworm prevention, spaying and neutering, fecal and routine blood tests, and cremation or burial costs.

Most pet insurance companies offer similar wellness coverage options.

Benefit Limits

Benefit limits with pet insurance have a lot of moving parts, and you need to be aware of them all.

First and foremost is the dollar benefit limit. There are two types, unlimited, and capped.

Unlimited means the company will pay all covered expenses after you’ve paid the plan deductible and coinsurance provision. You should be aware that this type of benefit will be more expensive than capped plans.

Capped means the insurance company will pay the cost of covered expenses, after you’ve paid the plan deductible and coinsurance provisions, but only up to a specified dollar amount. Any amounts that exceed that limit will need to be paid by the pet owner.

This type of plan can have any one or a combination of three provisions:

Annual maximums – the dollar limit the company will pay in total expenses in any one year.
Annual per incident – the dollar limit the company will pay for any specific treatment, condition or illness.
Lifetime maximum – this is the total dollar amount of benefits the insurance company will provide over the lifetime of your pet. However, it can also establish a lifetime maximum payment on a per incident basis.

The next limit is the coinsurance provision. Though some companies offer unlimited benefit reimbursement, most set percentage limits. Those limits are typically 70%, 80%, and 90% of the number of covered expenses after the deductible has been fully met.

Those percentages represent the ratio of expenses the insurance company will pay. For example, if the percentage limit is 80%, the insurance company will pay $8,000 out of a $10,000 vet bill.

Similar to coinsurance premiums on human health insurance plans, coinsurance with pet plans is a form of expense sharing. Since you will be paying 10%, 20%, or 30% of eligible expenses, the insurance company will charge a lower premium than will be the case for a plan with unlimited coverage.

Routine Versus Comprehensive

We’ve already touched on the difference between comprehensive and accident-only coverage. But the difference between routine and comprehensive is that comprehensive is designed to cover treatment of both illnesses and accidents, while routine coverage typically refers to wellness (or preventive) care.

Once again, most pet insurance companies exclude routine (or wellness) care from comprehensive policies. You can add it as a policy add-on, which will result in a higher premium. Otherwise, you can pay out-of-pocket for routine expenses, like annual checkups and vaccinations.

It can be difficult to know whether you should include wellness in your comprehensive policy or pay out-of-pocket. Much of it depends on how much you typically spend on routine care for your pet in any given year.

If the premium cost of the wellness policy exceeds the amount you typically spend on routine care, the better choice will be to continue paying out-of-pocket.

It should also be remembered that wellness plans only cover routine medical events up to a fixed dollar amount. There may be also an annual limit on reimbursable items.

Carefully examine all provisions of a wellness plan before deciding to add it to your pet insurance policy.

Other Covered Treatments

Medical technology and therapies are expanding for pets just as they are for people. Because of this, the pet insurance industry has responded by making a wider variety of treatments and therapies available than what you might expect.

Some of the more unusual covered treatments include:

Specialty care: specialist vets including, but not limited to, oncologists, ophthalmologists, neurologists, and cardiologists.

Alternative care: non-traditional therapies and holistic practices like acupuncture, chiropractic, aromatherapy, hydrotherapy, massage, and herb treatments.

Behavioral therapy: provides pets and their caretakers with tools to manage conditions like anxiety or over-aggressive tendencies.

Prosthetic and mobility aids: assist pets that have difficulties getting around. They could include wheelchairs, boots, socks, splints, and harnesses.

Check your policy provisions carefully before undergoing any unusual procedures. Each company has a different set of inclusions and exclusions that you’ll need to be aware of.

How Much Pet Insurance Do You Need?

Like all types of insurance, the cost must always be weighed out against the benefit provided. That creates a balancing act between having enough insurance to cover most potential medical events, but not so much that the cost of a policy becomes prohibitive.

Fortunately, healthcare costs for pets are much less expensive than it is for people. That reason, it’s unlikely you’ll need nearly as much coverage.

That said, it’s not unusual for hospitalizations, surgeries, and follow-up treatments to cost several thousand dollars. But unless you have a very unhealthy – or unlucky – pet, medical events of that magnitude aren’t likely to happen more than once or twice each year.

While the certainty of an unlimited policy may be emotionally comforting, it may be financially unnecessary. Most dog owners would be adequately covered with a maximum benefit of between $20,000 and $30,000, while cat owners could make do with $15,000 to $20,000 of coverage.

The lower the maximum benefit, the less expensive the policy will be. At the same time, you want to be sure the policy will cover a worst-case scenario.

How Much Does Pet Insurance Cost?

Let’s start with the average cost of pet insurance for dogs and cats, just as a basis of comparison.

According to the North American Pet Health Insurance Association (NAPHIA), State of the Industry 2021, the average premiums for comprehensive coverage is $48.78 per month ($585.40 per year) for dogs, and $29.16 per month ($349.93 per year for cats).

Remember, however, those are just averages. The actual amount of your own pet policy will depend on a number of factors, including:

Your geographic location – in some regions, veterinary care is more expensive than others, in addition to the prevalence of local pet related diseases, hazards and other threats.
Maximum benefit – which we covered in the previous section.
The breed, size and age of your pet – premiums will be higher for larger and older pets, as well as for certain breeds.
The deductible you choose – the higher the deductible, the lower the premium, and vice versa.

Once again, the maximum benefit is a combination of a dollar limit and a percentage limit. The lower the maximum benefit and coverage percentage, the lower the premium will be, and vice versa.

The same is true with the deductible. A $500 deductible will result in a lower premium than a $250 deductible.

In choosing the combination of the maximum dollar benefit, the maximum percentage benefit, and the deductible, you’ll need to carefully consider your financial ability to cover any expenses that may not be paid by the insurance company.

If cash is tight, you should choose a low deductible and a high percentage limit, like 90% or even 100%, if it’s offered.

But if you normally have several thousand dollars in an emergency fund to cover the extra expenses, you’ll be able to afford the potential out-of-pocket costs in exchange for a lower monthly premium.

It should also be kept in mind that the less money you pay in premiums, the more cash you’ll have to put into emergency savings for just such a purpose.

For a deeper discussion of pet insurance costs, check out our post, How Much Is Pet Insurance?

Additional Pet Insurance Considerations

When shopping for pet insurance, there are other considerations to keep in mind.

Once again, don’t buy a policy with more coverage than you’re likely to need. While unlimited insurance may be desirable in a health insurance policy for yourself and your family, it’s overkill with pet insurance. There’s no point paying for coverage you’ll never use.

Do some careful number-crunching before choosing a wellness policy. According to the ASPCA, the average annual cost for routine veterinary care is $410 for dogs and $300 for cats. Use that as a guide in deciding whether or not to add the provision to your plan.

Work only with pet insurance companies that will cover reimbursements to any licensed veterinarian or care facility. You can never know when you’ll be away from home and your regular vet.

Be aware that most pet insurance companies work on a reimbursement system. You’ll need to pay the provider fees at the time of service, with reimbursement from the insurance company to follow within days or weeks. You’ll need to have either cash or credit lines available to cover the upfront expense.

Remember, the time to purchase pet insurance is before your pet has an accident or begins to show signs of illness. Waiting periods are established by the insurance companies specifically to avoid consumers taking policies to cover a single event, then canceling the policy.

Best Pet Insurance FAQ

How much does pet insurance cost?

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There’s no one-size-fits-all answer to the cost of pet insurance. As with any other insurance product, your premiums will depend on a wide range of factors such as your location; the type, breed, age, and gender of your pet; the coverage you choose; and finally, your deductible and reimbursement level. Location means not just whether it’s rural or urban, but even by state, with California and New York coming in as particularly expensive.

What is covered under pet insurance?

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Your pet insurance coverage depends on the type of plan you choose. Accident-only coverage, the most basic, tends to be less expensive. The more bells and whistles you add, such as wellness or illness coverage, the more you’ll end up paying on a monthly basis. This doesn’t mean you should just get the least expensive option and hope for the best, of course. Take into account how much pet insurance you need first, and then choose accordingly.

How does pet insurance work?

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Once you have your pet insurance policy in place, you’ll pay a monthly premium, regardless of whether you take your pet to the vet or not. Should your pet get sick or become injured, most insurers expect you to pay the bill up front and submit a claim (some offer direct-pay options, but these are in the minority). The insurer will consider the claim and reimburse you if it falls within the coverage limits of your policy.

What is the best pet insurance policy?

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The best pet insurance policy for you and your pet doesn’t depend on one single thing — both your budget and your pet’s needs will determine which policy and insurer best fits your circumstances.

How We Found the Best Pet Insurance Companies

In coming up with our list of the seven best pet insurance companies of 2023 we reviewed a large number of providers, then whittled the number down to what we believe to be the very best in the industry.

We’ve given consideration to company reputation, premium cost, benefit levels, options for deductions and benefit limits, special treatment provisions, and other unique features.

We believe the seven companies included in this guide meet the criteria of being among the top providers in the industry.

But despite our own research, we recommend you conduct your own investigation as to each company. In the final analysis, you’ll need to work with a company and a plan that will be best suited to you, your pet, in your household financial situation.

Summary of the Best Pet Insurance Companies of 2023

The cost of healthcare for pets is rising much the same as it is for people. Given that 69% of Americans don’t have as much as $1,000 to cover an emergency expense, having pet health insurance has become increasingly necessary.

This guide helps you choose the right plan for you and your pet.

If you’re unsure whether to purchase a pet insurance plan, project yourself into a situation where your pet has just sustained a life-threatening injury or illness. Do you have sufficient cash resources to cover a worst-case scenario?

If not, a good pet insurance policy will give you treatment options, and avoid needing to put down your unnecessarily.

Source: goodfinancialcents.com

Apache is functioning normally

July 15, 2023 by Brett Tams

“We are excited to move into a new space that will allow us to evolve our collaborative and interactive work environment at Spring EQ,” said Spring EQ chief executive Jerry Schiano. “This new location in the heart of Conshohocken offers convenient commutes and a variety of options for our team to balance their workday with … [Read more…]

Apache is functioning normally

July 15, 2023 by Brett Tams

Here’s some timely mortgage Q&A: “Do mortgage modifications work?”

Since the mortgage mess got in full swing, mortgage lenders and loan servicers have been increasingly offering mortgage modifications to stave off foreclosure, but the results haven’t been too hot.

This begs the question as to whether these loss mitigation tools actually work, especially if the homeowners are so underwater that it will take them literally decades to get back above water.

Consider the Re-Default Rate

While it’s still early days
The re-default rate on loan modifications
Which is when a delinquent borrower is late on their loan mod
Has been quite high, putting into the question the success of these offerings

What we know so far is that the re-default rate on loan modifications has been so high that many question if they even work, and if they’re worth all the legwork/trouble, not to mention the money involved.

Back in May, Fitch Ratings warned that 3 out of 4 mortgage modifications may re-default after just 12 months, a staggeringly high failure rate for what were regarded as potentially home-saving loss mitigation tools.

Of course, there may be a reason all these loan modifications are turning out nasty numbers; they don’t actually lower monthly mortgage payments.

Are These Really Loan Modifications? Or Just Repayment Plans?

While it’s easy to claim they don’t work
You have to look at what’s really being offered here
If the borrower is set up to fail
They’ll probably fail

That’s right, many of these loan modifications actually result in payments that are unchanged or higher than they were before, thanks to past due amounts being piled on top of the existing balance.

These types of loan modifications, if you can even call them that, are really just simple repayment plans that get borrowers current but fail to address affordability concerns.

Clearly that’s no way to help a struggling homeowner get back on track, unless by chance they had a brief loss of income that has since been restored.

So what’s the answer? How do we make more mortgage modifications work?

If It Doesn’t Lower the Payment…

An unchanged or higher mortgage payment
Probably won’t change the borrower’s situation for the better
It’s pretty obvious that they need a lower monthly payment
In order to get back on track, so start with that!

Well, it’s not as hard as it may seem; apparently a combination of lower monthly payments, along with principal forbearance or forgiveness will get the ball rolling and make for more sustainable payments moving forward.

After all, if a homeowner can’t make their $2,000 a month housing payment, why should we expect them to make a $2,500 payment? That makes absolutely zero sense.

Taking the time to determine what borrowers can actually afford via proper income documentation and other sound underwriting measures will likely lead to a better loan modification success rate.

If banks and loan servicers don’t actually assess the situation properly, it’s a big waste of time and money, and just delays the inevitable.

Unfortunately, more stringent underwriting tied to loan mods may also reveal that foreclosure is simply the only answer for many, especially those who are in no shape to make reduced payments on a severely underwater home.

But we should still explore what works because there are probably millions across the nation who could benefit here, and that will help the real estate market as a whole.

Source: thetruthaboutmortgage.com

Apache is functioning normally

July 15, 2023 by Brett Tams

Four professional appraisal organizations have called on the HUD to rescind a 12-year old policy limiting the total appraisal fees that can be charged on FHA loans, warning that it presents significant risks to the federally-backed program.

Since the HVCC was implemented, appraisal management companies (AMCs) have been ordering most of the appraisals, but taking an unknown share of the total cost paid by borrower.

“Given the rapidly growing reliance by residential mortgage lenders on AMCs to provide appraisal services, the restriction on total appraisal fees to ‘no more than’ the customary fee for an appraisal has driven down the fees paid to large numbers of appraisers to well below what has been customary and reasonable in given market areas,” the groups wrote.

“Mortgagee Letter 97-46’s pricing restriction is causing many experienced and qualified appraisers decline FHA appraisal assignments ordered by AMCs because of their below market appraisal fees, adding unnecessary and substantial risk to the FHA program.”

The groups noted that the Mortgagee Letter makes no distinction between the fee paid to the individual who performs the work and the fee(s) charged by the AMC.

In other words, the AMC charges one lump sum to the borrower and gives the appraiser an unknown cut, presumably a smaller portion than they might have received in the past if ordered by a mortgage broker (One appraiser says his fee got cut in half).

“This leaves consumers with the mistaken impression that they are paying the customary fee for the highest level of service from an appraiser who has substantial experience in performing appraisals in their geographic area when, in fact, the consumer is receiving a much lower level of service.”

The appraiser groups argued that highly qualified and experienced appraisers are declining to perform assignments for the AMCs, forcing the companies to rely upon appraisers from distant locations with less experience and training, thus putting assessed values in question.

It looks now as if the HVCC may be crumbling.

Source: thetruthaboutmortgage.com

Apache is functioning normally

July 15, 2023 by Brett Tams

Furniture shopping, whether you’re giving a room a much-needed update or moving into a new space, can be fun. It gives you the chance to daydream, make inspo boards, hunt for great pieces, and personalize your space.

But it can also be an expensive endeavor. However, that doesn’t mean you’re destined to purchase pieces that scream “first apartment furniture.” Just because you’re buying furniture for cheap doesn’t mean it has to look it.

Here are smart hack that will have you feathering your nest for less and even, in some cases, for free.

25 Tips on How to Get Cheap Furniture

Scoring great furnishings on a tight budget takes some planning, and also knowing where to buy affordable furniture. Here are 25 ideas for creating a great space without spending a lot.

💡 Quick Tip: Tired of paying pointless bank fees? When you open a bank account online you often avoid excess charges.

1. Taking Stock of What You Already Have

Before going out to buy new stuff, you may want to do a walk-through of your space and make a list of what you already have. You can label each item “keep,” “donate/sell” or “toss,” so you know exactly what you need.

2. Taking Stock of Mom’s Basement Too

Do you have family members who may be harboring some perfectly good but no-longer-needed furniture? Consider scoping out their basements, attics, and garages for some free treasures.

3. Making a Wishlist

It’s okay to dream a little. In fact, a good way to start furnishing a new home is to go to your favorite furniture store’s site and fill your cart without considering price. You can then cull down your list to essentials, and start looking for those pieces (or something similar) for a cheaper price tag.

4. Renting Furniture

If your furniture budget is super tight, you may want to consider renting furniture from a company like CORT or Feather, rather than buying everything you need. Renting can also be a good option if you’re only going to be in your current home for a short time.

5. Timing Your Purchases Right

Knowing when to make big purchases can help you get some steep furniture discounts. Furniture stores tend to get new inventory at the end of winter and end of summer. To make room for newer items, they will often run good sales in February and August.

When it comes to furnishing your porch or patio, the right time to buy furniture is typically the end of summer and fall, when retailers are trying to clear out any leftover inventory.

6. Checking Out Freecycle

Cheap is great, but free can be even better. Consider going to a reuse/recycle site like Freecycle to see what people in your area may be looking to get rid of. You may want to keep in mind that good items often go fast.

7. Curbing Impulse Buys

It’s easy to fall madly in love with a cool sectional sofa and give in to impulse buying that can leave you with major debt. Before you pull the trigger on a pricey new piece of furniture, you may want to press pause. By giving yourself a week or so to really consider the purchase, you may realize you don’t actually need it. Or you may be able to scout out a cheaper but equally good option.

Recommended: How to Combat Impulsive Spending

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8. Mixing High and Low

Here’s another way to buy furniture cheap: You can often get a high-end look by splurging on one or two classic investment pieces and then going with cheaper, trendier accent pieces and accessories.

9. Putting the Word Out on Social Media

You may want to use social media to let people in your network know that you are on the hunt for furniture. You can even specify what you’re looking for (dining table, a chaise for the yard) and what you’re willing to offer (or barter) in return. You may be surprised at the response you get.

10. Selling Stuff You Don’t Need

To bolster your furniture budget, you may want to sell pieces that no longer work for your space. If you have a lot to get rid of, you might host a yard or garage sale. For just a few items, you can list them on a resale site like Craigslist, OfferUp, or Facebook Marketplace and see how much you can score.

11. Doing a Furniture Image Search

If you see a piece you love but it doesn’t fit your budget, you can download a photo of the item and then go to Google Images. If you click on the “Search By Image” button (the camera icon) and upload the photo, you can search for similar items. You might find the item’s twin at a better price.

💡 Quick Tip: When you overdraft your checking account, you’ll likely pay a non-sufficient fund fee of, say, $35. Look into linking a savings account to your checking account as a backup to avoid that, or shop around for a bank that doesn’t charge you for overdrafting.

12. Searching Craigslist

Craigslist may be an oldie, but it’s still a goodie when it comes to finding affordable furniture. You can head to the site (which hasn’t changed much over the years), click the furniture tab, and search the possibilities.

13. Thinking Beyond Furniture Stores

Mass market retailers like Target, Walmart, and Home Depot actually have large furniture departments. You may be able to find stylish pieces at good prices, along with free delivery.

14. Searching Amazon Warehouse

How else to buy furniture cheap: Check out Amazon Warehouse , a corner of Amazon’s main site that is dedicated to selling used, pre-owned, and open-box products (often things that were returned unused or close to it). You can click on the furniture tab and either search for your needs or just see what’s available.

15. Hitting the Yard Sales

You can spend a Saturday or Sunday morning driving around town looking for treasures. Or you can check out yard sales listings online, then map out a route that hits the yards or stoops with the most potential.

16. Asking About the Floor Model

If there’s a piece in a store you absolutely love but it’s a bit out of budget, you can always ask the manager if they will sell you the floor model for a discount.

Since it is likely to still be a considerable amount of money even if the price is reduced, remember this when paying: If you buy it on credit, make sure to use the card that will give you the most rewards.

17. Combing Flea Markets

It can take a little time and effort, but you can often find great, affordable treasures at flea markets. Sometimes a little DIY is all it takes to transform something past its prime into the perfect thing for your place.

18. Browsing Antique Stores

In the winter months, you can often get the flea market experience by combing through antique stores or, even better, antique malls that have multiple booths housed indoors.

19. Checking Online Resale Marketplaces

Sites like OfferUp and Facebook Marketplace (where you may have listed items to sell) can also be a great resource for finding what you need. You can even do a search for a specific item you saw in store to see if anyone is offloading that same piece.

20. Thrifting Furniture

Large thrift store chains like Goodwill and Salvation Army typically get lots of donated items every day and can be a great place to find your next book shelf or coffee table. Local thrift shops can be worth checking out too.

21. Checking Out Salvage Stores

One of the most widely known salvage stores, Habitat ReStore , has locations throughout the country and often sells new and used furnishings, as well as appliances, for far less than retail. Bonus: They are helping to divert those goods from the waste stream.

22. Going Cheap on Art and Accessories

Once you’ve made your big item purchases, it’s time to think small (and cheap) with accent pillows, throws, artwork, and other decorative accessories. These items don’t need to cost a lot to add serious personal style to a space. You may fall for a $150 throw pillow but, odds are, you could find a super cute one for a fraction of the cost.

23. Stopping by Estate Sales

You can often find beautiful, high-quality pieces of furniture, as well as artwork, at estate sales for a fraction of what you’d pay at a store. You can find estate sale listings in your area on Craigslist as well as Estatesale.com and Estatesales.net .

24. Haggling Over the Price

No matter where you are shopping for furniture, it can be worth trying to haggle the price down a bit. You can ask a seller if the listed price is as low as they can go, if they will offer a discount for buying multiple items, or if there is any wiggle room on the delivery fee.

25. Checking In With Neighbors

You can use Nextdoor , the neighborhood online hub, to let neighbors know what you are looking for and also scroll through the site’s “For Sale and Free” listings to see what your neighbors are selling or giving away.

💡 Quick Tip: If you’re creating a budget, try the 50/30/20 budget rule. Allocate 50% of your after-tax income to the “needs” of life, like living expenses and debt. Spend 30% on wants, and then save the remaining 20% towards saving for your long-term goals.

What Contributes to High or Low Furniture Prices?

Here are some factors that contribute to whether a piece of furniture has a high or low price:

• Production: Mass-produced pieces are likely to be less expensive than a piece that is made in smaller batches or handcrafted by an artisan.

• Supply and demand: An item that is popular is likely to be pricier than something that has fallen out of favor.

• Materials: A solid wood piece, for example, is probably going to cost more than a similar item made of particleboard.

• Supply chain: If a manufacturer is using, say, a material that is scarce due to supply chain issues, they may have to pay more to obtain it. Those additional charges could be passed along to the consumer.

• Source: Depending on trade conditions, labor, shipping, and other factors, there could be a price discrepancy based on whether the item was manufactured in the U.S. or elsewhere.

What to Look Out for in Secondhand Furniture

Secondhand furniture can be a great resource when you are buying furniture on a budget. Btw, you can even shop for used furniture online at sites like AptDeco and Kaiyo.

Here, some buying furniture tips when you’re hunting for preloved treasures:

• Just say no to used mattresses. They can be a repository of stains, smells, dust mites, bedbugs, and more.

• Inspect for structural damage. Cracks, duct tape, and evidence of past repairs can spell trouble.

• Avoid upholstered furniture with an odor. Whether mildew, smoke, or pet smells, these smells can be very hard to eliminate.

• Be wary of painted pieces that might have lead paint; they would have been made before 1978 when laws were passed banning lead paint. Crackly, “alligator skin” painted surfaces can indicate lead paint. Also, if you rub your hand over the surface and get a chalky residue, it might be lead.

• Check for signs of mold, which may look like a patch of dirt that won’t rub away. That’s another health issue you don’t want to deal with.

Now, after you’ve read those warnings, also remember that you could get a real deal by buying secondhand. Go ahead and use your imagination. Often, with the addition of a coat of paint and new hardware or a slipcover, you can grab a bargain. Many inexpensive, tired pieces can become treasures when spruced up. Look online for how-to ideas.

The Takeaway

Furnishing a new place can be daunting, especially if you’re shopping on a budget.

But by thinking beyond traditional furniture stores and turning to alternatives like flea markets, resale and salvage shops, estate sales, and online marketplaces, you can often score chic and cheap pieces that won’t fall apart in a year or two.

You can also stretch your furniture budget by mixing higher-end investment pieces with cheaper accent decor and sprucing up secondhand finds.

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FAQ

How do you buy furniture on a budget?

You can buy furniture on a budget by shopping at estate sales, thrift shops, and antique malls, as well as hunting at your usual retailers for floor models and other sale items. Lastly, see what you might be able to score for free via a neighborhood online community or Freecycle.

Is it cheaper to buy furniture in store or online?

As with many products and services, online may have better deals on furniture than retail stores. Because online retailers don’t need to have a network of brick-and-mortar locations with staff, they may enjoy savings that they can pass along to customers.

Why is furniture getting so expensive?

Furniture may be expensive for a variety of reasons, from supply chain issues and material scarcity to inflation to the cost of labor, especially on handmade pieces.

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Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

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Apache is functioning normally

July 15, 2023 by Brett Tams

.kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-table-of-content-wrappadding-top:23px;padding-right:23px;padding-bottom:23px;padding-left:23px;background-color:#f9fafa;border-top:1px solid #cacaca;border-right:1px solid #cacaca;border-bottom:1px solid #cacaca;border-left:1px solid #cacaca;.kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-table-of-contents-title-wrappadding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;.kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-table-of-contents-titlefont-size:14px;line-height:18px;letter-spacing:0.06px;font-family:-apple-system,BlinkMacSystemFont,”Segoe UI”,Roboto,Oxygen-Sans,Ubuntu,Cantarell,”Helvetica Neue”,sans-serif, “Apple Color Emoji”, “Segoe UI Emoji”, “Segoe UI Symbol”;font-weight:700;font-style:normal;text-transform:uppercase;.kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-table-of-content-wrap .kb-table-of-content-listcolor:#001c29;font-size:14px;line-height:21px;letter-spacing:0.01px;font-family:-apple-system,BlinkMacSystemFont,”Segoe UI”,Roboto,Oxygen-Sans,Ubuntu,Cantarell,”Helvetica Neue”,sans-serif, “Apple Color Emoji”, “Segoe UI Emoji”, “Segoe UI Symbol”;font-weight:inherit;font-style:normal;margin-top:var(–global-kb-spacing-sm, 1.5rem);margin-right:0px;margin-bottom:0px;margin-left:0px;.kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-table-of-content-wrap .kb-table-of-content-list .kb-table-of-contents__entry:hovercolor:#16928d;.kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-table-of-content-list limargin-bottom:7px;.kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-table-of-content-list li .kb-table-of-contents-list-submargin-top:7px;.kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-toggle-icon-style-basiccircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-toggle-icon-style-basiccircle .kb-table-of-contents-icon-trigger:before, .kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-toggle-icon-style-arrowcircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-toggle-icon-style-arrowcircle .kb-table-of-contents-icon-trigger:before, .kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-toggle-icon-style-xclosecircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-toggle-icon-style-xclosecircle .kb-table-of-contents-icon-trigger:beforebackground-color:#f9fafa;@media all and (max-width: 1024px).kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-table-of-content-wrapborder-top:1px solid #cacaca;border-right:1px solid #cacaca;border-bottom:1px solid #cacaca;border-left:1px solid #cacaca;@media all and (max-width: 767px).kb-table-of-content-nav.kb-table-of-content-id_88a319-9a .kb-table-of-content-wrapborder-top:1px solid #cacaca;border-right:1px solid #cacaca;border-bottom:1px solid #cacaca;border-left:1px solid #cacaca;

Whether you need to buy a car, pay off credit card debt, or save for a mortgage down payment, an extra $10,000 wouldn’t hurt.

But what if you don’t have time to save up for years? What if you need the money ASAP?

Turns out, there are many ways to make $10,000 fast. They require work. You won’t get rich overnight. But if you’re willing to put in the effort, that extra 10 grand is well within your reach.

24 Ways to Make $10,000 Fast

What does it mean to “make money fast” anyway?

Are we talking a week? A month? A year?

With the following strategies, you can make an extra $10,000 in less than three months. In some cases, you only need to choose one method. Other times you may have to bundle ideas together.

It all depends on your dedication and willingness to hustle. If you go all-in with some of these strategies, you could reach your goal within weeks.

Anyone can hit the jackpot and get rich overnight with speculative investments like penny stocks or cryptocurrency, but those aren’t safe bets.

Instead, focus on low-risk money-making opportunities you can do outside your full-time job. Each income stream is subject to taxes, so don’t forget to factor those in as well.

1. Get a New Bank Account

One of the quickest ways to earn extra cash is through new bank account promotions. Many banks offer new customers hundreds of dollars when they sign up for an account.

However, earning this money isn’t as simple as opening an account and waiting for a payment.

Banks offer these promotions in hopes of turning you into a loyal customer. To get your money, you usually have to meet certain requirements with your new account.

For instance, a new BMO Harris Relationship Checking Account comes with a sign-up bonus of $500. But you only get this payment once your new account has received direct deposits of at least $7,500 within the first 90 days.

Sign Up For BMO Harris Relationship Checking Account

2. Open a Credit Card

Many credit cards also offer sign-up bonuses for new customers.

For example, Chase Freedom Unlimited® is a cash-back credit card that pays 1.5% cash back on most purchases. That’s actually not an amazing rate of return. But new customers earn an extra 1.5% cash back on up to $20,000 of eligible purchases in their first year, for a total return on base spending of up to 3%.

Better still, this card pays 3% cash back on drugstore and dining purchases and 5% on travel. And the 1.5% bonus applies to those as well. So if you open this card and use it to book a $10,000 vacation, you’ll receive $650 cash back right off the bat.

Of course, planning a pricey vacation just to get cash back doesn’t save you money. But if you were going to take that vacation anyway, using this card is a way to make some money while doing it.

You can also get sign-up bonuses from certain travel rewards and gas credit cards. For example, you can receive a $200 cash bonus from the Citi Custom Cash℠ Card when you open your account and complete qualifying activities. So no matter what kind of rewards you prefer, you can find a new card that’s useful for you and helps you toward your $10,000 goal.

Sign Up For Chase Freedom Unlimited

Sign Up For Citi Custom Cash

3. Transfer Funds to a New Brokerage Account

Even brokerage houses offer new-account bonuses. And since these accounts often hold quite a lot of money, the bonuses for them can be bigger than for bank accounts or credit cards.

New accounts at TradeStation can pay up to $3,500 in bonus cash. However, to get that amount, you must transfer at least $1 million to the account within 45 days and keep it there for at least 270 days. Smaller transfers receive smaller bonuses.

Some brokerages, such as RobinHood and WeBull, offer bonuses in stock rather than cash. These can be even more valuable than cash bonuses if you’re fortunate enough to get the right stock. On the other hand, they could be worth far less than the more reliable all-cash offers.

Sign Up For Tradestation

4. Invest in Real Estate (Roofstock, Fundrise, etc.)

You might think investing in real estate requires significant capital, housing market knowledge, and risk.

That’s not always true.

If you don’t have the time or know-how to hunt for properties, you can use real estate crowdfunding sites like Fundrise.

Fundrise pools investors’ money to buy real estate assets. As an investor, you earn through dividends and the growth of your shares. It allows you to start investing passively in real estate with as little as $1,000. Because it doesn’t take any time on your part, you can combine it with other active side jobs.

If you’d rather invest in something more tangible, you can find turnkey rental properties on platforms like Roofstock.

Roofstock takes all the hassle out of finding an investment property. No need to go out searching for deals or spend time working on fixer-uppers. You can tour properties — many of which already have tenants — from the comfort of your home.

See our guide comparing Fundrise vs. Roofstock for a closer look at these platforms, including potential earnings for each.

Sign Up For Roofstock

Sign Up For Fundrise

5. Rent Out Your Home Space

If you don’t mind jamming your house full of strangers and their stuff, renting your space can be an easy way to boost your income.

According to All The Rooms Analytics, the average Airbnb private room cost $84 per night in 2021. Not bad for a room that normally sits empty.

If you’re willing to experience temporary discomfort to reach your income goal faster, you could rent out your whole house and live in an RV while you boost your income.

In 2021, the average rental price for a U.S. home went for $216 per night. To earn $10,000, you’d only need to spend 47 nights renting your home and staying in your RV or on a friend’s couch.

Before accepting guests, see our guide to renting out a room in your house legally.

Hosting guests isn’t the only way to earn with your property. With Neighbor.com, you can rent your empty basement to a small business needing inventory space. Or turn your backyard into a parking lot for RVs and boats.

Recently, we were hunting for long-term storage for our camper van in Los Angeles, where the average 10-by-20-foot parking space cost $254 per month. We found one listing with six vehicles jammed into their small fenced-in backyard.

At $254 per month per vehicle, that’s over $5,000 in three months. Combine that with an Airbnb room rental, and you could make $10,000 and barely lift a finger.

Other than checking people in and cleaning, renting your space isn’t time intensive. That means you can combine it with other side hustles to rack up your income even faster.

Renting space is most lucrative in big cities where demand outweighs supply. But people need storage in small cities as well. And if you offer a lower price than traditional storage units and parking garages, you can make a healthy side income.

Sign Up For Neighbor.com

6. Teach Your Skills Privately

There are many ways to trade your skills for cash. What do you know how to do that others would pay to learn? Cooking? Art? Photography? Tennis? Graphic design?

All it takes is a handful of students to scale to $10,000. You can teach online through Outschool, in person, or both.

One of my fitness fanatic friends needed some extra cash, so he started giving group exercise classes in a park for $10 per class. He’s a fun guy, and the classes were a hit. After a month, he was running a pair of hour-long classes per day with 15 students each. That’s $300 per day for two hours of work. Fast forward three years, and he now runs a successful gym.

The easiest place to find your first clients is your current network. If you’re a charismatic teacher, like my fitness friend, your classes might even grow on word-of-mouth alone.

7. Sell Unwanted Jewelry

Just because you don’t wear it any longer doesn’t mean no one else will. There’s always a market for unused jewelry. And with the right partner, that market is a lot bigger — and a lot less local — than you might think.

That’s why we’re fans of Worthy, a jewelry auction platform that makes it easy to sell your unwanted rings, necklaces, watches, and other baubles without leaving home. Here’s how it works:

Prep your jewelry. Worthy’s certified gemologists give your items a professional deep-clean and take magazine-quality photos in preparation for listing. They’ll have your items graded by neutral, third-party jewelry experts too.
Monitor your auction. Worthy then lists your jewelry for auction online. More than 1,000 professional jewelers have access to your listing, and you’re free to set a reserve price to ensure your item won’t sell for less than you’re willing to accept. Auctions typically last 48 to 72 hours.
Get paid. This is the fun part. If your item sells, you’ll get paid within four business days.

Worthy only gets paid if and when your item sells. And it has an incentive to sell your items for fair value, since its fees are based on your earnings — anywhere from 10% to 18% of the final sale price, depending on the dollar amount.

Sign Up For Worthy

8. Sell Your Stuff

Take a look around your house and garage. What haven’t you used in the past three months? Is there anything you wouldn’t miss if you sold it?

The drawer full of old iPhones, the fancy treadmill collecting dust, the Jet Ski parked behind your garage that you take out once per year — selling these nonessentials is one of the easiest ways to earn $10,000 fast.

The process is simple:

Snap photos showing the product at different angles.
Write a compelling description including all the details a potential buyer would want to know.
Post your items on online marketplaces like Craigslist, Facebook Marketplace, or eBay.
Respond to messages to arrange the sale.
Sell the item in person or ship it.

Craigslist and Facebook Marketplace work well for items of any size. If something is easily shippable, you can reach potential buyers outside your region by listing on eBay or adding a shipping option in Facebook Marketplace.

If your house is full of valuable items you’re willing to sell, you could hit $10,000 in a matter of days. If not, you can combine this idea with other side hustle strategies to reach your goal faster.

For more tips, see our guide on how to turn clutter into cash.

9. Offer Freelance Writing Services

You don’t need to be Shakespeare to make good money with freelance writing. Any halfway decent writer can do it.

Freelance writing commonly involves writing blog posts for companies to publish on their website. But it could also include any type of written content that a business uses, from emails to brochures to e-books.

You don’t need a degree or any special qualifications to become a freelance writer, but writing experience helps. And if you have expertise or connections in a certain field, it’s easier to get your foot in the door and charge more.

If not, start from scratch and work your way up the totem pole. It’s easier than it sounds.

First, you need a few writing samples to show off your chops to potential clients. Then, search for jobs on freelancing platforms like Upwork or Media Bistro to land your first few projects. Better yet, reach out to your network to see if anyone can connect you with someone who needs writing help.

If you start with gigs paying $100 per project, you need to complete one project per day for 100 days to reach $10,000. It seems like a lot, but the more you write, the faster you become.

As you build your portfolio and gather testimonials, you can increase your rates with every new client you land. Stick to it, and you can gradually trade up those $100 projects for $1,000 projects. At that point, making an extra $10,000 is even more doable.

For more help getting started, read our tutorial on how to become a freelancer.

10. Freelance Other Skills

If writing isn’t your forte, you can freelance any skill or service others need help with. This could be:

Photography
Graphic design
Consulting
Translation
Voiceover acting
Illustrating
Modeling
Programming
Tutoring
Personal training

If it’s a service people pay for, you can freelance it. That said, if the goal is to make $10,000 fast, choose a high-demand service you already know how to do. Learning a new skill from scratch takes too much time.

Similar to freelance writing, the easiest way to get your foot in the door and gain experience is to first offer your service to people you know.

11. Drive for Uber or Lyft

Driving for ridesharing apps like Uber and Lyft is one of the easiest ways to earn extra cash on the side.

All you need is:

A smartphone
An eligible car
A driver’s license
Personal insurance
A clean criminal record
A relatively clean driving record

Rideshare earnings are complicated to calculate. They depend on your location, the number of hours you work, the time of day you work, surge pricing, trip lengths, and tips. Then you must factor in driving expenses like gas prices, car maintenance, and insurance costs.

To give a rough estimate, Glassdoor pegs the average Uber driver’s salary at $24 to $41 per hour. At this rate, if you buckle down and drive five to six hours per day for two months, you’d hit $10,000.

Even if you only squeeze in a few hours of driving per day, you can still generate a hefty chunk of change while moving closer to your financial goals.

12. Rent Your Car to Rideshare Drivers

Don’t let your extra vehicle sit unused collecting dust. Instead, put it to work for you.

Companies like HyreCar and Turo connect car owners with rideshare drivers who need a car.

Your earnings depend on your vehicle, location, and how often you rent. But HyreCar claims users can earn up to $9,000 per year renting their vehicles. You can combine this with other side business ideas to reach your $10,000 goal.

Or you could take it a step further. Knowing that any car under $9,000 could pay for itself in a year, you could scour Craigslist for good deals, and buy a fleet of cars to rent out. With a fleet of five cars — each generating $750 per month — you could hit $10,000 in less than 90 days.

13. Rent Your RV to Campers

If you have an RV that sits unused most of the year, you can make a lot of money renting it out on platforms like Outdoorsy and RVshare.

Your earnings depend on your location, rental demand, and the size and condition of your RV. But according to RVshare, you could earn up to $40,000 per year, or $10,000 in three months.

Of course, you still have to pay for RV maintenance, insurance, and any financing and storage costs. But if you already have an RV sitting outside, these are expenses you pay anyway.

Both Outdoorsy and RVshare let you list your RV for free and take a cut of your rental earnings.

If you feel uneasy about letting strangers drive your RV, you could also park it next to your house and rent it out on Airbnb.

14. Deliver Packages and Food

If you don’t like the idea of carting strangers around as a rideshare driver, you can also earn extra cash with your car by making deliveries.

The Amazon Flex program allows freelance drivers to deliver packages in their spare time. Amazon reports that most delivery drivers earn between $18 and $25 per hour, and the program is currently available in over 50 U.S. cities.

All you need to start is a driver’s license, a smartphone, and a mid-sized or larger vehicle.

You can also inch closer to your $10,000 goal by delivering food for UberEats, DoorDash, and GrubHub.

Food delivery pay rates vary by location, tips, and in-app promotions. According to DoorDash, Dashers earn over $30 per hour delivering in California’s major cities. But don’t expect these earnings everywhere — the overall average rate is more like $15 per hour.

Despite the variance, making deliveries is a flexible way to squeeze more earnings into your free time each day.

If you can’t decide which platform to deliver for, see our guide on working for DoorDash vs. GrubHub.

15. Take Advantage of Retail Arbitrage

Retail arbitrage involves buying underpriced products, then reselling them for a profit.

It can take many forms but commonly entails searching for clearance deals at retail stores, thrift stores, and wholesale websites, then reselling them on Amazon or eBay.

To succeed, you need to flip items with high demand and proven margins. Both these factors are easy to determine with a quick product search on Amazon.

Many retail arbitrage sellers stick to items that cost between $10 and $40. This sweet spot allows sellers to buy inventory in bulk but still earn enough margins to make it worth their while. That said, the higher your margins, the fewer flips you need to reach $10,000 in profit.

Car flipping is an example of arbitrage with high margins. To make $10,000, find five undervalued used cars on Craigslist that you can flip for $2,000 profit each.

Retail arbitrage can be risky, especially when you’re learning the ropes. If you mistakenly invest in a product with low demand, your capital freezes with inventory that’s hard to sell.

For more tips on how to get started, read our full guide to making money with retail arbitrage.

16. Earn Commissions Through Referral Marketing

Many companies offer referral marketing programs that pay you for every new customer you bring in their doors.

It’s a win-win for everyone. The new customer gets their problem solved. The company gets business. And you get a cut of it.

To make $10,000 fast, you’d have to promote high-value services. For example, Michigan-based Renaissance Roofing Inc. offers $100 for every referral customer who spends over $2,500 on a roofing job. If you set up referral agreements with companies offering high-ticket services across various industries, you can hunt for people who need those services.

You essentially work as an informal salesman working on commission. The more referrals you generate, the faster you hit $10,000.

17. Earn Commissions Through Affiliate Marketing

Affiliate marketing is the digital version of referral marketing. It involves a unique tracking link you use to promote a product or service. If someone clicks and purchases through your link, you earn a commission.

Because you don’t need to directly interact with your referral, affiliate marketing is easier to scale.

For example, you could create a YouTube channel and post videos reviewing products you love. Add your affiliate link to the description, and anyone who watches your videos could turn into a potential referral, whether you know them personally or not.

Commissions add up fast when you promote high-ticket items, especially digital products that offer generous commission rates. For example, if you promote a web host that offers a $500 commission for each sale, you’d only need to get 20 people to sign up through your link to hit your $10,000 goal.

Affiliate marketing is easier for bloggers, podcasters, and social media influencers who have followers and subscribers to promote products to. It’s one of the most popular ways to monetize a following.

But if you work hard to connect with potential referrals, you don’t need an established audience to earn with affiliate marketing.

18. Teach English Online

If you’re a native English speaker, there are millions of people around the world who’d be happy to hire you.

The easiest way to start teaching is through platforms like VIPKid, Qkids, and PalFish. Requirements vary from platform to platform, but commonly include:

A Teaching English as a Foreign Language (TEFL) certification
A Bachelor’s degree in any subject
Experience working with children
Nationality from certain English-speaking countries

Some platforms only require you to be a native speaker. For example, you can teach English on SkimaTalk without a degree, TEFL certification, or experience with children.

That said, the more qualifications you have, the easier it is to find better-paying opportunities. Investing in a comprehensive TEFL training program also sharpens your teaching skills, which your students appreciate.

Your pay rate depends on the platform you use and any bonuses they offer. Teaching through VIPKid, you can earn up to $22 per hour. If you ramp up to a full-time teaching schedule, you’d tally $10,000 by the end of three months.

Even teaching a few hours per day pushes you to your goal. And because many platforms target Chinese children living in the China Standard Time zone, you can squeeze in your part-time classes early in the morning before starting your day job.

Once you gain confidence, you can earn even faster by recruiting private students directly and cutting out the middleman.

To discover the best websites to look for TEFL jobs, read our guide on how to make extra money teaching English online.

19. Create an Online Course

Private lessons are a great way to trade your knowledge for extra income, but there is a limit to the number of students you can fit in each day. To scale, organize your knowledge into an online course.

With an online course, you don’t need to be present to earn money. It requires front-loaded effort to create, but after that, you earn passive income in your sleep.

And with platforms like Teachable, you can create and sell professional-looking courses without any special tech skills.

If you earned $200 per course sale, you’d only need to find 50 buyers to reach $10,000.

For some, finding buyers is the most challenging part. Creating an online course isn’t a build-it-and-they-will-come type of deal. You have to market yourself.

If you don’t have an audience to sell to, you can borrow someone else’s audience with similar interests. For example, if you create a training program that helps athletes increase their vertical jump, you could drum up business by:

Offering a free sample of your training to high school sports teams
Sharing vertical jump tips on a podcast that targets athletes
Creating YouTube videos with free tips

Find creative ways to put yourself in front of large audiences of potential buyers.

You can also offer your online course as a lower-priced alternative to one-on-one coaching sessions.

20. Open an Online Store

With today’s technology, opening an online store is easier than ever, requiring no advanced technical skills.

With an online business, your customer base isn’t limited by geography. You can sell your products worldwide.

The trick is getting in front of those customers. Without a physical storefront to draw people in, an effective marketing plan is essential. Without it, nobody knows you exist.

You can choose a DIY marketing approach and sell products off your own website or social media channel.

Or you can open your store on a platform that already attracts millions of shoppers, like Amazon or Etsy.

If this is your first rodeo, it’s easiest to test the waters on a proven shopping platform, even if it means giving up a slice of your earnings.

One popular online store model takes advantage of the Fulfilled by Amazon (FBA) service. With the Amazon FBA model, you list your products on Amazon and store your inventory at their warehouses. Whenever someone buys, Amazon fulfills the order and ships your product.

Starting an Amazon FBA business requires a fair amount of upfront work including market research, product sourcing, and a product launch plan. But because Amazon does most of the heavy lifting, it can be relatively passive income once everything is up and running.

Your earnings depend on your margins. For example, if you pocket $15 per sale after accounting for all expenses, you’d need to sell an average of 7.4 units per day for 90 days to earn $10,000.

21. Start a Manual Labor Side Hustle

If making money online sounds too technical, you can also make $10,000 the old-fashioned way — with your hands.

Finding manual labor gigs is easy with platforms like TaskRabbit and HomeGuide, which connect handy people to clients who need help with projects around the house.

For example, on TaskRabbit, freelancers offering home repairs typically charge $40 per hour or more. If you took on a $120 task after work each day, you’d make an extra $10,000 in less than 84 days.

TaskRabbit pockets 15% of the project fee, so if you feel confident about finding your own clients off-platform, you can earn even more.

And you don’t need special handyman skills to earn as a manual labor freelancer.

For example, the average dog walker charges $20 per 30-minute walk, according to HomeGuide. Imagine becoming a neighborhood’s go-to dog walker, going on four 30-minute walks per day, walking three dogs at a time. Not only could you earn over $100 per hour, but you’d also save a trip to the gym.

22. Offer Virtual Assistant Services

A virtual assistant (VA) is a digital sidekick for busy business owners. As a VA, you can either offer generalized or specific services.

General VAs take basic tasks off their client’s plate, such as email inbox management, data entry, file organization, and document formatting. These are tasks anyone can do with basic tech skills.

Specialized VAs are experts in one specific aspect of their client’s business, like SEO, Pinterest, graphic design, or social media.

Businesses with multiple virtual assistants may even hire a Head VA to manage them all.

Pay as a VA depends on the skills you bring to the table. The more unique value you offer, the more you can charge. According to ZipRecruiter, the average work-from-home virtual assistant earns $34 per hour in the United States.

By logging in a few hours of work on nights and weekends, you can make a sizable dent in your $10,000 goal.

It’s one of the most flexible work-from-home jobs you can do without any special skills. If you know your way around an email inbox or Word document, you can find a VA job.

23. Donate Your Fluids

If you don’t mind parting with your plasma, sperm, or eggs, you can donate them to make money fast.

Pay rates for plasma donations depend on the donation center and current promotions, but new donors at BioLife Plasma Services can earn up to $850 in their first month donating twice per week.

As a qualified sperm donor, you can earn up to $1,500 per month depending on the sperm bank you work with.

Or hit $10,000 with just one egg donation cycle. Bright Expectations, a private egg donor program, offers $5,000 to $10,000 per cycle. The exact timeline varies depending on the company you use. But with Bright Expectations, it takes about two months and six to eight doctor appointments.

24. Volunteer for Clinical Trials

You can earn surprisingly well volunteering yourself as a human lab rat.

Paid clinical trials and medical research studies base their rates on the risk involved. Expect higher pay for treatments that are less understood.

Clinical trials can be hard to find. Most require you to have a certain medical condition that the researcher is trying to cure. Use the Center for Information and Study on Clinical Research Participation search tool to find clinical trials you qualify for.

That said, other paid research studies need healthy test subjects. For example, NASA runs studies paying healthy astronaut-like individuals to lay in bed for months at a time to study the effects of weightlessness.

Final Word

With some hustle and grit, there’s no reason why you can’t make $10,000 in three months. And the more legit money-making strategies you combine, the more time you can shave off the process.

That said, if you’re on a tight timeline and need $10,000 immediately, see our step-by-step guide on how to get a personal loan in a matter of days.

Mitch Glass is a “homeless” personal finance writer. He covers real estate, fintech, insurance, and retirement—all while working from Airbnbs around the world as a digital nomad. In his spare time, he runs the Project Untethered blog and Youtube channel, helping other aspiring nomads take the plunge.

Source: moneycrashers.com

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July 15, 2023 by Brett Tams

Virtual Tour Equipment used to Make Virtual Tours

Over the summer, I did over 3,000 business contacts by phone, text message, email, LinkedIn, Instagram, Twitter, and much easier, out-of-the-box on REveo of course in just seconds, with over 600 Real Estate brokerage executives and decision makers.

Yes, it takes a bit of work to build a new brand!

Back in 2012, three years after I discovered the idea for a new way to do virtual showings that would solve for all the pitfalls of the legacy virtual showing solutions, I interacted with hundreds of home buyers in the Silicon Valley at University Café at the time (now local union 217, I recommend it! 🙂 ), on University Avenue in Palo Alto a few steps away from Stanford University.

I would purposefully speak to home buyers who spent their entire day driving around listings with their buyer agents most of the time. Many were out-of-state executives looking for their new place for starting a new tech executive role there, many were also locals actually.

What struck me at that time is that a large portion of them vetted the properties they were going to tour for the day on an interesting form of static marketing- 360 tours. Imagine the Google Map pedestrian experience but inside a home. The 360 experience had been around already for a few years and looking to cater to several industries, including insurance among many others.

The net of their property pre-qualification, static 360 experience — no real-time communication with agent in the canned tours that make me totally dizzy personally, and I am not the only one — was once they drove miles and miles to get there, the properties didn’t look anything like the canned tours had made them envisioned. Huge disappointment. Huge waste of time, for both the agents and the clients, and huge waste of natural resources and unnecessary pollution for no reasons.

Yet, in 2020, I did speak to a few brokerage decision makers who in spite of the steep cost and complexity of creating such tours — see YouTube video above “Virtual Tour Equipment used to Make Virtual Tours” — still want to dedicate resources to a far-from-optimal way to make their agents interact with clients to sell homes.

This will definitely change. It’s just a matter of time. A matter of education.

When you lead a Real Estate brokerage you should look for ways that are “out-of-the-box” for your Real Estate agents to deliver great client success in just seconds without any cumbersome operations to set up, nor lengthy training that drains your operational profit while delivering dismal marketing results for a high cost.

Ways that are much more dynamic at taking your agent-client interactions to a whole new level of closing rates and closing speed…

Source: geekestateblog.com

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July 14, 2023 by Brett Tams

Where do you go to get breaking news headlines, personal finance news and opinion, and advice and commentary on what you should do with your money — all in one place? Twitter, obviously.

It’s easy to sign up for an account if you don’t already have one. However, it can be difficult to figure out which accounts are actually worth following. I’ve compiled a list of my favorite financial Twitter accounts to follow to get you started.

They are a mix of styles, backgrounds, and financial philosophies, so you get a balanced flow of information and tons of new ideas.

What’s Ahead:

1. Broke Millennial – @BrokeMillennial

Follow @BrokeMillennial for – Advice on getting ahead. Lowry provides lots of information in her feed that you can apply to your own situation while learning more for the future.

Erin Lowry is a speaker and writer helping you to #GYFLT — get your financial life together. A financial and opinion writer for sites such as Bloomberg, USA Today, and Time, Lowry writes about Millennial finance topics such as investing (not “saving”) for retirement and student loan debt payoff. She’s the author of the BrokeMillennial series and a book by the same name: Broke Millennial: Stop Scraping By and Get Your Financial Life Together (TarcherPerigee, May 2017).

Lowry is focused on providing actionable advice to Millennials looking to improve their finances. Her Twitter feed is conversational, as most of her writing is, as well, and she takes polls and shares links to pieces aimed to help the average person get a handle on budgeting, retirement investing, saving, and more.

2. Forbes – @forbes

Follow @forbes for – Business and investing news and headlines. Knowing what’s going on in the larger world of finance is useful, especially when making decisions about work or your 401(k). If a wave of layoffs is hitting a certain industry, or particular stocks are skyrocketing, there could be real-life effects for you, and Forbes helps keep you informed.

Of course, Forbes is the media company/magazine known for its coverage of business news, investing, entrepreneurship, and other financial information. Forbes is well known for its definitive lists, such as the 400 Richest People in America, the World’s Billionaires List, and the Best Colleges in America.

The official Forbes Twitter account broadcasts news and headlines to 16 million followers, providing a steady stream of information about the intersection of money, politics, and Wall Street, among other things.

3. Julia Carpenter –@juliaccarpenter

Follow @juliaccarpenter for – Tweets that you know came from a real person. A lot of Finance Twitter is very singularly focused, beating the drum of “invest! Invest! Invest!” But there’s more to a full life, a life well examined, and Julia’s feed also seeks to bridge the gap between one human and another.

Julia Carpenter is a writer at the Wall Street Journal, covering topics involving money. One such column for the @WSJ is titled How Covid-19 Derailed My Financial Goals, which is a too-real subject for many of us.

She’s also the author of a daily newsletter called A Woman to Know and has written and done much work centered around the topics of women, work, and pay. Julia Carpenter and Bourree Lam (see below) also teamed up together to create a six-week Money Challenge to help you get your finances in order during the pandemic.

Calling herself a “writer, reporter, [and] lady about town,” Carpenter’s Twitter features not only insightful links about topical personal finance stories, but also some relatable memes, humorous retweets, and not a few mildly alarming news articles.

4. Bourree Lam – @bourreelam

Follow @bourreelam for – Good quality link curation of stories from across the Twitterverse. For example, if you’ve ever wondered The Real Cost Of Coronavirus Micro-Weddings or How to Think Long Term With Near-Zero Interest Rates, give her feed a follow.

Bourree Lam is the Personal Finance Bureau Chief at the Wall Street Journal. In August, she and Carpenter launched a six-week email course designed to challenge your knowledge, shape up your finances, and get you back on your financial game.

Lam also has written for Refinery29 (including their hugely popular Money Diaries series) as well as the Atlantic, and frequently touches on topics related to work and women.

5. Business Insider – @businessinsider

Follow @businessinsider for – Wide-ranging business and financial news, especially as it intersects with politics and the law. Whether you need to know how a new tax law might affect your bottom line or just want to keep up with business headlines, Business Insider is a good Twitter account to add to your “following” list.

Featuring original in-depth reporting on business and finance, Business Insider is a must-follow account. New stories run the gamut from The 64 Emojis Coming to Your iPhone in 2021 to articles about mass layoffs triggered by the novel coronavirus, and nearly everything in between.

Next to their focus on finance, Business Insider touches also on politics, technology, retail, and “executive lifestyle,” which puts particular focus on the life and times of C-suite movers and shakers, which may be aspirational for you (or not).

6. Ramit Sethi – @ramit

Follow @ramit for – Common-sense advice and real-talk truths about managing your money. Follow his feed to shake up some of your core ideas about money and learn to think about it in a new way, especially if you don’t have a lot of it. You’ll learn to ask the $50,000 questions instead of the $5 questions.

Known for his best-selling book I Will Teach You to Be Rich, Ramit Sethi has been offering solid personal finance for years. My favorite piece of advice from Sethi? Just buy the latte. No one is going broke from coffee. Stop focusing on something that will save you fifty bucks and focus on things that can save you fifteen hundred — like insurance, fees, and other big-picture things. Then you can also work on the other side of the coin, so to speak, which is increasing your income.

Sethi also answers questions from readers, shares their stories, and offers advice and personal takes on issues.

7. NPR’s Planet Money – @planetmoney

Follow @planetmoney for – Entertaining but educational looks at the forces that shape our financial world. Their Twitter feed contains links to their podcast stories, but they also share clips from their TikTok. (And if you ever thought, I really don’t need to see an NPR version of TikTok, just give it a chance. Planet Money’s TikTok boy, Jack Corbett, makes weird, surreal, fun, and somehow still informative TikToks).

If you enjoy podcasts, deep dives, and explainers, you’ll like NPR’s Planet Money. Planet Money is a podcast, and their goal is to make learning about the economy interesting.

Here’s how they describe it: “Imagine you could call up a friend and say, ‘Meet me at the bar and tell me what’s going on with the economy.’ Now imagine that’s actually a fun evening.”

Luckily for everyone, they deliver.

8. Tiffany Aliche, a.k.a. The Budgetnista – @TheBudgetnista

Follow @TheBudgetnista for – Inspiring words and links that will get you pumped up to live your best life and finally take control of your financial freedom. Don’t worry, the real-life advice is there, too, such as this interview with NPR where she talks about how exactly to curb your stress spending (easier said than done in a pandemic).

Tiffany Aliche is the best-selling author, speaker, and financial educator known as The Budgetnista. She’s taught hundreds of thousands of people how to manage their finances, structure their budgets, and save up for their dreams.

Aliche runs the Live Richer Academy, an online collection of financial education courses, and also co-hosts a podcast called Brown Ambition. Her goal is to help everyone unlock access to life-changing information about money.

9. Michelle Singletary – @SingletaryM

Follow @SingletaryM for – A refreshing perspective. Singletary’s Twitter feed touches on topical issues surrounding personal finance, including taxes, race, and politics, and includes links to important articles, including her 10-part series for the Post called Sincerely, Michelle. Singletary isn’t afraid to be frank about the forces that affect and influence how we all deal with money.

Michelle Singletary is a personal finance columnist for the Washington Post. Her Twitter Bio shares her take on money: “if debt were a person, I’d slap it!”

Singletary is also an author, having written The 21 Day Financial Fast, a book about resetting your financial habits. Her method works like a juice cleanse: strip everything down to the bare essentials, then slowly add back in only the things that work for you.

10. Consumer Financial Protection Bureau – @CFPB

Follow @CFPB for – News you can use. The CFPB’s Twitter feed will tell you how to protect your finances during the coronavirus, what your rights are during debt collection, and how to avoid specific scams (among many, many other things).

Also known as consumerfinance.gov, the Consumer Financial Protection Bureau was created to help make markets and financial products work for American consumers, not the other way around. They provide resources for people to learn about the laws that affect financial products and empower them to make decisions.

The CFPB publishes guides, Q and A’s, and videos about money, especially where federal rules come into play. It’s aimed at a consumer audience, making it a useful way to learn about the legalities that actually affect things like credit cards and bank accounts so you don’t get tripped up.

Summary

If you want to expand your knowledge of personal finance, catch the latest news, be inspired, and talk to like-minded people, you can do all that on Twitter, if you follow the right people. Join the conversation and learn more about money on your journey to building a richer life. (Don’t forget to follow @MoneyUnder30, too!)

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July 14, 2023 by Brett Tams

average two-year fixed mortgage rates have just hit a 15-year high of 6.66%.

UK two-year fixed mortgage rates hit highest level since 2008Read more

Here’s what to expect, from the committee:

The cross-party Committee of MPs will examine the current state of the mortgage market, including levels of mortgage stress, arrears and forbearance, and the outlook for the market in light of higher interest rates.

The Committee will question mortgage providers on consumer behaviour following recent rate rises, the impact on house prices and the wider housing market, and mortgage affordability and availability.

Government support schemes and the recently agreed ‘mortgage charter’ are also likely to be discussed, as are buy-to-let mortgages and the rental market, and the take-up of long-term fixed rate deals.

Here’s the panel:

Andrew Asaam, Homes Director, Lloyds Banking Group
Bradley Fordham, Mortgage Director, Santander UK
Charlotte Harrison, Interim CEO (Home Financing), Skipton Building Society
Henry Jordan, Home Commercial Director, Nationwide
Nigel Terrington, Chief Executive, Paragon Banking Group

Hanover Mortgages

The Refined Mortgage Lending Company & Home Loan Lenders

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Consider the Re-Default Rate

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If It Doesn’t Lower the Payment…

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