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Apache is functioning normally

June 8, 2023 by Brett Tams

KrowdFit is a digital wellness engagement platform that makes it possible to earn cash-back rewards when you use its app to track activities like steps, sleep and meals. The company also offers the $0-annual-fee KrowdFit Wellness Rewards Mastercard, which can help improve your financial fitness when you spend on self-care.

Cardholders can earn an impressive and uncapped 4% cash back on an expansive list of eligible “health, wellness, medical and lifestyle partners” — including Walmart and Target — in addition to 2% back on grocery purchases and 1% back everywhere else. Better yet, those rewards are issued instantly, so you won’t have to wait until the end of your billing cycle to redeem them.

According to a KrowdFit representative, you’ll need a FICO score above 650 to qualify for the card, which comes with a virtual card number for immediate use upon approval.

Here are five things to know about the KrowdFit credit card.

1. Earn outsized cash back on wellness purchases and more

The KrowdFit Card offers 2% cash back at grocery stores (excluding membership stores like Costco) and 1% cash back on all other purchases. While those rates are unspectacular, the card stands out thanks to the breadth of categories that qualify for its stellar 4% rate. Some of those categories include:

  • Food: Restaurants, specialty markets and “miscellaneous” food stores.

  • Fitness: Sporting goods stores, bicycle shops, membership clubs and dance studios.

  • Health care: Medical and dental providers, health insurance and drugstores.

  • Wellness: Massage parlors, spa services, and health and beauty shops. 

  • Clothing: Family clothing stores, sports apparel and shoe stores.

  • Outdoor activities: Public and private golf courses, country clubs, and sporting and recreational camps.

  • Transportation: Including boat, motorcycle and snowmobile dealers. 

  • Discount stores: Including Walmart, Target and others.

As of this writing, more than 30 merchant category codes (MCC) qualify for 4% cash back — a massive number for a no-annual-fee card that doesn’t require active management, such as tracking a bonus calendar or opting into bonus categories.

Also, if you make a purchase that you think should qualify for bonus cash back and it doesn’t, you can request to have the MCC code added to KrowdFit’s list.

2. Get one year of KrowdFit Premium and extra cash giveaway entries

Like many apps, KrowdFit has two versions: a free one with advertisements, and a premium one without the ads that promises a few additional perks. Cardholders will receive a one-year complimentary membership to KrowdFit Premium, normally $1.99 per month.

To incentivize healthy living and activity, KrowdFit offers cash giveaways that are paid out Monday, Wednesday and Friday of every week, in addition to a $5,000 physical activity cash giveaway on the first day of every month. The more you use the app to track things like sleep, diet and activity, the more entries you get.

3. See your credit line and interest rate before the hard pull

When you apply for a credit card, the issuer will typically conduct a hard inquiry to determine your creditworthiness. That inquiry can often lead to a temporary decrease in your credit scores, even though it’s generally conducted before you know what credit limit and interest rate you’re being offered.

But the KrowdFit card lets you see whether you’ll be approved — including the credit limit and interest rate — before you receive a hard pull. That way you know exactly what you’re being offered and whether it’s worth the impact to your credit scores. A hard pull is conducted only after you accept the offer.

Who doesn’t want to be rewarded?

Create a NerdWallet account for personalized recommendations, and find the card that rewards you the most for your spending.

4. Receive an instant virtual card number

Once you accept the credit line and interest rate provided through the preapproval process, you’ll immediately receive a virtual card number. This number gives you instant access to your credit line and can be added to your virtual wallet or used online for purchases.

Once you receive the physical card in the mail, simply replace your virtual card number with the number on the front of your card.

5. There’s no sign-up bonus

The ongoing rewards structure for the KrowdFit card is solid, but the card lacks something other no-annual fee cards offer — a sign-up bonus. Whether you’re looking for cash back or travel miles, a sign-up bonus is the easiest way to pile up rewards.

The Wells Fargo Autograph℠ Card card has a $0 annual fee and offers the following sign-up bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value. You’ll also earn 3 points per $1 spent on travel, dining, gas, public transportation, streaming services and phone plans.

Or there’s the Chase Freedom Flex℠, which also has a $0 annual fee and features the following sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. In addition, you’ll earn 5% cash back on up to $1,500 in combined purchases in bonus categories you activate each quarter; 5% back on travel purchased through the Chase Ultimate Rewards portal; and 3% back on dining and drugstore purchases. All other nonbonus-category purchases earn 1% back.

Source: nerdwallet.com

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Apache is functioning normally

June 7, 2023 by Brett Tams

These are the best apartment gyms in Sacramento. Which one matches up with your workout style?

Known as the “City of Trees,” there’s no doubt that Sacramento is a beautiful place to call home. Because the city is peppered with parks and full of fun options to fill your days with outdoor activities, it’s important to stay in shape if you want to experience the full scope of everything Sacramento has to offer.

Whether you’re a CrossFit junkie, dedicated treadmill runner or committed to curls, there’s an apartment gym on this list that will look like it was built just for you. Find the Sacramento gym that best fits your exercise style and start the process toward signing that lease today.

Row machines and more at The Press Apartments

Source: Rent. / The Press Apartments

The Press Apartments is a modern complex designed to help residents maximize every aspect of their daily lives. From the private office spaces and 24-hour hangout area to the hound lounge to, of course, the pristine fitness center. Equipped with everything you’d expect to find in a community with more than a few things you seldom see outside of the most expensive monthly membership gyms, this gym sets the bar in Sacramento.

Providing residents with a yoga studio, multiple rowing machines and even a boxing machine, this gym has what you’re looking for regardless of how you like to get your heart rate up. Located in Sacramento’s highly sought-after Richmond Grove, life is good when you’re lucky enough to call The Press Apartments home.

Beautiful loft-style gym at Capitol Towers

Source: Rent. / Capitol Towers

The amenities at Capitol Towers are extensive. These downright beautiful apartments are located in Downtown Sacramento and it’s safe to say they boast one of the best apartment gyms in Sactown.

Featuring a loft-style fitness center with leg machines, a lat pulldown machine and enough free weights for all to enjoy a workout without any wait time, this fitness center doesn’t leave any room for complaints. The wellness amenities don’t stop at the expansive gym either. There are also two dry saunas, a spa/hot tub area and a large, rectangular pool that’s perfect for swimming laps.

The serene spin room at Vasari

Source: Rent. / Vasari

Situated south of Sacramento in Elk Grove, the Vasari apartment complex is complete with a fitness center that just might put your current gym to shame. With a dedicated spin area and yoga studio alongside a large gym equipped with an array of upper and lower body machines, heavy ropes and treadmills with pool views, it’s easy to see why residents often fall in love with this fitness center soon after signing the lease.

Whether you’re an early-morning lifter or more of an after-work elliptical person, you’re never short on options at this apartment gym. Not to mention the fact that you can work out hard with the comfort of knowing there’s a hot tub waiting for you to soak the soreness away.

View of the entire gym at Miramonte and Trovas

Source: Rent. / Miramonte and Trovas

Lit up by large windows and a lime green accent wall, the fitness center at Miramonte and Trovas is more than meets the eye. With everything you’d expect in a well-equipped gym, like a Smith machine for safe reps without a spotter, large free weight racks and plenty of benches to help you get a full workout with ease, this gym clearly covers all the essentials.

Where this North Natomas complex really separates itself from the rest is its offering of fitness on-demand. The gym TVs have fitness on-demand, a system that allows residents to learn more about working out and fitness from the comfort of their home gym. No personal trainer is required, this fitness center has it all and then some.

one of the best apartment gyms in Sacramento

Source: Rent. / The Mansion

With a name like “The Mansion” you better have some high-end amenities to match. Needless to say, the beautiful fitness center at this beautiful Boulevard Park apartment complex does not disappoint.

With strength and conditioning equipment as far as the eye can see, mirrored walls, flat-screen TVs and plenty of natural light, this gym sets up its residents for success and supports the journey toward accomplishing even the loftiest of personal fitness goals. Enjoy full-circuit workouts with top-tier equipment in this fine fitness center.

Natural light pouring through the large windows at the fitness center Kensington in Sacramento

Source: Rent. / Kensington

Stationary bikes, Hoist machinery and Matrix treadmills are just a few of the stellar pieces of equipment you can expect to find at the Kensington fitness center. With vaulted ceilings letting in all the natural light you could ever want and, most importantly, enough space to stretch out and get your sweat on without being disturbed by others, this gym was built with residents’ comfort in mind every step of the way.

This Arden-Arcade apartment complex also boasts three pools and a relaxing spa. That means you can start your day swimming laps and then cap it off by soaking away the pains of the day.

Cardio area in the brick-walled fitness center at Academy65

Source: Rent. / Academy65

Known for its youthful resident population, proximity to Sacramento State and impressive list of amenities, Academy65 is a great place for active people to call home. Boasting a 24-hour fitness center complete with a StairMaster, multiple treadmills under flat-screen TVs, and a mountain of medicine balls, this fitness center is equipped to handle all types of exercise styles.

Not just catering to the heavy lifters, the fitness center at this College Town complex is also equipped with a yoga studio and spin area. Whether you’re looking to pedal away your problems or just improve your flexibility a little bit, there’s a space for you at the fitness center at Academy65.

Exposed beams in the light-filled gym at The Woodlands

Source: Rent. / The Woodlands

The Woodlands is a magnificent Metro Center apartment complex with, as you may have guessed from the name, an appealing cabin feel. With more than one StairMaster, a lat pulldown machine and a squat rack all at your disposal, among many other pieces of top-tier equipment, there’s no questioning the Woodlands fitness center’s place on this list.

The opportunities for recreation don’t end at the fitness center either. This complex also provides residents with a cornhole court, three pools and two hot tubs. Regardless of what you’re feeling, there’s always something to do at The Woodlands.

Daytime view of the Irongate apartments gym

Source: Rent. / Irongate

Located in North Natomas, Sacramento, the fitness center at Irongate isn’t just spacious, it’s also equipped with everything you need to not just achieve but to exceed your fitness goals. Whether you are looking to up your cardio, tack on some mass, drop a few pounds or anything in between, you have more than a few options thanks to the exercise amenities at this North Natomas fitness center.

Adorned with upper and lower-body machines, lots of free weights and flat-screen TVs for when you need a mental break from your treadmill running or leg pressing, exercise options are never an issue. Thanks to white walls, a high ceiling and plenty of natural light, this fitness center feels large and always has enough space for residents to work out, even during the busier hours.

one of the best apartment gyms in Sacramento

Source: Rent. / The Fremont

Easily recognizable by its unique Mediterranean architecture, The Fremont is one of the more desirable buildings in Midtown to call home. With sizable windows to let in natural light, large free-weight racks, stacks of stationary balls and a couple of shelves of complimentary towels, this fitness center is fully stocked and ideal for fitness-minded folks from all walks of life.

Also boasting a professional-grade stationary bike alongside a state-of-the-art elliptical machine and treadmill, The Fremont’s fantastic fitness center supports your cardio goals.

Get your sweat on in Sacramento

Whether you’re a daily runner, a weekly weightlifter or someone just looking to improve flexibility the slightest bit, Sacramento is full of apartment gyms that are capable of supporting you through even the most ambitious fitness goals.

See yourself getting your sweat on in one of these next-level fitness centers? Fill out an application today and reignite your passion for personal fitness in your new apartment gym.

Featured image source: Rent. / The Press Apartments

Source: rent.com

Posted in: Growing Wealth Tagged: About, accent, active, Activities, advice, All, Amenities, apartment, apartment gym, apartments, Architecture, art, bar, best, Bike, bikes, Blog, Built, cabin, ceilings, city, College, couple, court, Essentials, exercise, expensive, experience, Fall, Featured, Financial Wize, FinancialWize, fitness, fitness center, Free, fun, goals, good, great, green, guide, gym, home, home gym, hot, hot tub, hours, in, journey, Learn, lease, Life, list, loft, LOWER, modern, More, Most Expensive, natural, new, new apartment, offer, office, office spaces, or, Other, outdoor, park, Personal, place, pool, rate, Rent, right, room, running, sacramento, safe, short, shortage, South, spa, space, Style, swimming, time, tips, Tips & Advice, top 10, town, under, unique, wall, wellness, white, will, windows, work, work out, working

Apache is functioning normally

June 7, 2023 by Brett Tams

As an Amazon Associate I earn from qualifying purchases.

Welcome to Crest, where style and value converge to offer an exceptional living experience in the heart of DC. If you’re in search of one-bedroom apartments for rent in DC, look no further. At Crest, they have crafted the perfect combination of comfort, convenience, and affordability, ensuring that our residents enjoy a lifestyle that surpasses expectations.

Highlight the Style and Comfort

The one-bedroom apartments at Crest are thoughtfully designed with meticulous attention to detail. Step into a world of contemporary elegance, where every corner showcases modern aesthetics and functionality. From the moment you enter, you’ll be greeted by spacious floorplans that provide ample room for both relaxation and entertainment. With features like full-size washers and dryers, stainless steel appliances, and granite countertops, your apartment becomes a haven of convenience and sophistication.

Emphasize the Value

At Crest, they understand the importance of finding value in your home. That’s why the one-bedroom apartments offer exceptional square footage, walk-in closets, and balconies that extend your living space and provide breathtaking views of the surrounding Skyland Town Center. Crest believes that luxury should be accessible to all, which is why they provide unbeatable pricing for well-appointed apartments. Experience the perfect balance between quality and affordability at Crest.

Amenities for an Elevated Lifestyle

Beyond the four walls of your apartment, Crest offers a host of amenities that elevate your living experience. Immerse yourself in the refreshing oasis of our courtyard pool, stay active and fit at our two-story fitness center, or socialize with friends at the clubroom featuring a pool table. For those who work remotely, our business area and coworking space provide the ideal environment to stay productive. With a helpful 24/7 concierge team and dedicated maintenance staff, your needs are always taken care of at Crest.

Explore the Skyland Town Center Neighborhood

Living at Crest means being at the heart of the vibrant Skyland Town Center neighborhood. Enjoy the convenience of having shopping, dining, and service options right outside your front door. With the completion of Skyland Town Center, exciting retail destinations like Lidl grocery and DC’s first-ever drive-through Starbucks are just steps away. This thriving community offers endless opportunities to explore, connect, and enjoy a truly fulfilling lifestyle.

Don’t miss out on the perfect combination of style and value. Discover Crest’s one-bedroom apartments for rent in DC at Crest and experience the pinnacle of modern living. Contact the Crest today to schedule a tour and seize the opportunity to unlock your ideal home at Crest in the coveted Skyland Town Center neighborhood.

Schedule a Tour of Our One-Bedroom Apartments at Crest Today!

Equal Housing Opportunity

The housing provider will not refuse to rent a rental unit to a person because the person will provide the rental payment, in whole or in part, through a voucher for rental housing assistance provided by the District or federal government.

Amazon and the Amazon logo are trademarks of Amazon.com, Inc, or its affiliates. Rental providers will not refuse to rent a rental unit to a person because the person will provide the rental payment, in whole or in part, through a voucher for rental housing assistance provided by the District or federal government.

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Source: blog.apartminty.com

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Apache is functioning normally

June 7, 2023 by Brett Tams

On average, it costs $23,890 a year to attend an out-of-state school versus $9,410 for an in-state school. That’s $14,480 more per year you could pay — just to attend a college in a different state than where you grew up.

Source: Giphy.com

Over four years, you could end up paying $60,000 more than someone who attends school in-state. So, what are some ways you can lower the cost of out-of-state tuition? Here are seven of our biggest tips.

What’s Ahead:

1. Research Regional Reciprocity Programs

Many schools have “regional reciprocity agreements” or “tuition exchange programs” that let you attend certain out-of-state colleges for in-state rates.

For instance, 18 colleges in Georgia offer in-state tuition to residents of border states. This includes Alabama, Tennessee, North Carolina, South Carolina, and Florida.

On a much broader scale, several states have banded together to create regional reciprocity programs that give you reduced out-of-state tuition at hundreds of public and private schools.

The four biggest regional reciprocity programs include:

  • Midwest Student Exchange — Illinois, Indiana, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, and Wisconsin.
  • The New England Regional Student Program — Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont.
  • Academic Common Market — Alabama, Arkansas, Delaware, Florida, Georgia, Kentucky, Louisiana, Maryland, Mississippi, Oklahoma, South Carolina, Tennessee, Texas, Virginia, and West Virginia.
  • Western Undergraduate Exchange — Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, South Dakota, Utah, Washington, Wyoming, and the Commonwealth of the Northern Mariana Islands.

Some schools will offer in-state tuition to any student in a neighboring state, while others may require you to meet certain criteria — such as having a specific high school GPA or declaring a certain major.

MU30 Tip: Already have a few colleges in mind? Look on their websites or contact financial aid to see if they have any tuition exchange or reciprocity programs in place.

2. See If You Qualify for a Tuition Waiver

In some cases, you may be able to get a tuition waiver that allows you to attend an out-of-state college at a reduced rate. Tuition waivers are usually granted to students with special circumstances:

  • You (or someone in your immediate family) is a veteran or active duty military member.
  • You were valedictorian or a high achiever.
  • You’re enrolled in a special degree program, such as STEM or health care.
  • You work for the school you wish to attend.
  • You were or are a part of the foster care system.
  • You’re a nontraditional student.
  • You’re of Native American heritage.
  • You have a financial hardship.

To see if you qualify, search for the phrase “tuition waiver” on your favorite schools’ websites. This should pull up a list of all the tuition waivers currently available. (For example, I found 13 waivers on the University of Washington’s website.)

3. Apply for Out-of-State Scholarships

There are several scholarships specifically for students who are attending college out-of-state. These scholarships can help you cover the costs of tuition, room and board, and other expenses.

To find out-of-state scholarships, start by checking with your college’s financial aid office. There’s a good chance the school has scholarships earmarked for nonresidents.

From there, do a scholarship search using a tool like the College Board Scholarship Search or Fastweb. You may find some private scholarships to help lower your out-of-pocket costs.

Read more: Scholarships and Grants: How To Score Free Money for College

MU30 Tip: Does your parent or guardian work in higher education at one of these Tuition Exchange member schools? If so, you can apply for a reciprocal scholarship that lets you attend hundreds of schools in the U.S., Canada, Greece, Morocco, the United Arab Emirates, and Switzerland at a free or reduced rate!

4. Think About Becoming a Resident Assistant

If you’re planning on attending college out-of-state, one way to lower your costs is to become a resident assistant (RA). RAs typically receive free or reduced-cost housing in exchange for their duties, which can include things like leading tours and organizing social events.

So while you may not get a tuition discount, it could help you save on housing while you’re there.

To become an RA, start by talking to your college’s housing office. They should be able to tell you about any open RA positions and their requirements. You may also need to fill out an application and go through an interview process.

5. Negotiate Out-of-State Tuition With the Financial Aid Office

It’s not widely advertised, but you can technically negotiate the cost of tuition and fees with the financial aid office. In fact, doing so could save you anywhere from 5% to 15%. On a four-year degree that costs $60,000, that’s a savings of $3,000 to $9,000.

Beyond negotiating, the financial aid office is also a way to find out what types of aid are available to you as an out-of-state student.

Read more:

6. Become an In-State Resident

This tip may seem a little far-fetched, but hear me out. If you’re taking a gap year, for instance, and have time to establish residency in the state where you want to attend college, it could be worth it.

Every state has different requirements for residency, but you’ll typically need to live there for at least a year before you can apply for in-state status.

Start by researching the requirements for the state you want to move to, then get working on completing them. This could include getting a job or an apartment in the state, getting a driver’s license, and more.

7. Look for Schools With Lower Out-of-State Tuition Rates

If all else fails and there’s no way for you to get reduced out-of-state tuition, another option is to simply look for schools that charge lower rates for out-of-state students.

MU30 Tip: Want to see which colleges have the lowest tuition rates? Check out this affordability calculator from the U.S. Department of Education.

Once you have out-of-state tuition rates for different colleges, you can start to compare your options and make a decision about which school is the best fit for you.

Read more: Not Enough Financial Aid? Here are 10 Ways To Pay for College

Bottom Line

Out-of-state tuition can be costly, but there are ways to minimize costs without racking up a ton of student loan debt. Use these tips to see how much you can save.

Featured image: Alexander Lukatskiy/Shutterstock.com

Read more:

Source: moneyunder30.com

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Apache is functioning normally

June 7, 2023 by Brett Tams

Regardless of how you like to work out, there’s a gym on this list that’s perfectly designed to help you meet your fitness goals.

Known for its proximity to the legendary Garden of the Gods and beloved by locals for its awe-inspiring natural beauty, it’s no surprise that Colorado Springs is home to an active population of nature lovers that prioritize health and physical fortitude in their daily lives.

With such an active population, apartment complexes have felt the pressure to provide residents with ample options to work out the way they want. These are 10 of the best apartment gyms in Colorado Springs.

Falconview colorado springs, co

Source: Rent. / FalconView

FalconView is a Northgate apartment complex that features an indoor-outdoor workout area that will put your local CrossFit gym to shame. Garage-style doors, a killer sound system and lofty ceilings with large fans to help keep you cool — this fitness center is for the workout freaks and resentful treadmill runners alike.

Whether you’re looking for a full-body workout courtesy of a half hour on the rowing machine or some outdoor turf to tone your legs while you take care of your tan, the FalconView gym sets the standard in Colorado Springs and earns the top spot on this list.

the residences at falcon north fitness center

Source: Rent. / The Residences at Falcon North

The first thing you notice when you walk into the fitness center at The Residences at Falcon North is the humongous square skylight smack dab in the middle of the gym. This unique feature supplies the fitness center with a ton of natural light and almost makes you feel like you’re actually outside.

As far as equipment goes, this gym features top-of-the-line resources including a multi-purpose structure at the center with everything from heavy ropes to chin-up bars and even a punching bag. Bottom line, this Northeast Colorado Springs gym has what you need and then some.

one of the best apartment gyms in colorado springs

Source: Rent. / University Village

Boasting an undeniably cool cabin vibe, the fitness center at University Village makes the most of its unique semi-circle footprint to create a space that is welcoming, visually appealing and the ideal spot to get your sweat on.

Set up so the cardio area has a view of the professionally manicured outdoors and designed so the machines have enough space between them to support a relaxing workout environment, this Northeast Colorado Springs fitness center is on par with some of the more expensive monthly membership gyms.

crowne at briargate colorado springs gym

Source: Rent. / Crowne at Briargate

With multiple hydro rowing machines, top-quality stationary bikes and plenty of space for plyometrics, the Crowne at Briargate fitness center is designed to make everyone feel comfortable and motivated to accomplish their goals. Along with lots of natural light, there is also mirrored wall so lifters can check their form and, opposite that, is a mural portraying active individuals in a sea of calming colors.

Beyond that, this Briargate-based fitness oasis also boasts a dedicated yoga studio. This relaxing space is perfect for practicing yogis and anyone looking to improve flexibility and work on mindfulness without leaving the comfort of home.

Springs at Foothill Farm apartment gym

Source: Rent. / Springs at Foothill Farm

As the second apartment fitness center featured on this list with garage-style doors, the Springs at Foothill Farm fitness center does an excellent job facilitating a seamless indoor-outdoor workout space. Also featuring a kettlebell station and flatscreen TVs in addition to soaring ceilings, this is a great place to get a workout in.

Located in Colorado Springs’ scenic Northgate neighborhood, this thoughtfully designed fitness center also features SmartMats to help make sure you’re stretching the essentials, a stability ball station and plenty of resistance bands for those that like to lift but want to avoid the weights.

Union heights apartment gym

Source: Rent. / Union Heights

The Union Heights apartment complex features a light-filled fitness center with distinct cardio and weight-lifting areas. The cardio area looks out onto the pool and provides a great view to get lost in while you work up to 10,000 steps. Featuring treadmills, ellipticals and stationary bikes, residents are free to get creative and work their legs in a number of different ways.

The lifting area at this Northeast Colorado Springs fitness center is well-equipped, properly spaced out and perfect for experienced and novice weight-lifters alike. While this may not be the largest fitness center on the list, it does a lot with a little and is more than adequate for even the loftiest fitness goals.

Woodland hills apartments fitness center

Source: Rent. / Woodland Hills Apartments

Woodland Hills Apartments is the perfect place for an active person to call home because of its versatility in options for recreational activity. Featuring an on-site gym with all the equipment you’d expect to find in a gym capable of supporting the residents living in the complex’s 160 units as well as a spa area and beach volleyball court, you’re never short on options for activity at Woodland Hills.

This complex also backs up to the Cottonwood Creek Trail, making it an ideal spot for people that prefer to get their steps in while immersed in the great outdoors. With views of Cottonwood Creek along the way, you won’t find a better spot to run, walk or jog in the Colorado Springs area.

one of the best apartment gyms in colorado springs

Source: Rent. / Estate at Woodmen Ridge

Estate at Woodmen Ridge lies between Black Forest and Northeast Colorado Springs and benefits from its close proximity to Cottonwood Creek. While the fitness center here may not have some of the frills found at other gyms on this list, what it may lack in flash, it more than makes up for in versatility.

Featuring a stability ball station, outside views for all of the cardio machines, and plenty of space for free weight lifting and full-body stretching, this gym is capable of supporting all styles of exercise.

Bonus: There’s also a Coke machine for those that like to chase their workout with a little reward.

one of the best apartment gyms in colorado springs

Source: Rent. / Knolls at Sweetgrass Apartment Homes

Boasting an all-new yoga area to supplement their traditional fitness center setup, The Knolls at Sweetgrass Apartment Homes gym represents the standard of what all modern apartment complex fitness centers should attempt to live up to. High ceilings, natural light and mirrored walls make for a perfect place to check your form while basking in the morning light before work. Sound like a good way to start your day?

Whether you’re working on flexibility, bulking up for pool season or slimming down to start the New Year, the equipment at this gym is capable of helping you reach even the most ambitious of fitness goals. If you find yourself in this Old Colorado City fitness center, you’re in for a good workout.

Enchanted springs apartments colorado springs

Source: Rent. / Enchanted Springs

With a name like Enchanted Springs, there’s a lot to live up to. Luckily for the residents of this East Colorado Springs complex, the fine people behind Enchanted Springs deliver on the promise brought on by the name. Boasting a large fitness center with pool views, this gym gives you plenty of room to work up a sweat and work out those demons.

With a free-weight station, versatile cable machine and machines designed to help rid yourself of the dreaded chicken legs, there’s a lot to do and experience in this gym if you’re the type that’s always looking to expand your workout regimen.

Stay swole in Colorado Springs

Whether you’re a CrossFit junkie, a cardio enthusiast or a dedicated yogi, there are plenty of apartment gyms throughout Colorado Springs that will perfectly meet your workout needs. Start your search with the list above and enjoy the journey toward your new apartment and its beautiful gym.

Featured image source: Rent. / The Residences at Falcon North

Source: rent.com

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Apache is functioning normally

June 7, 2023 by Brett Tams

February 10, 2022
by Carmen Roman

Tina Terenzio is a Mortgage Banker at our Fairfield branch and has her license in CT, FL, MA, NJ, and TX. She is a native of Fairfield, CT, and received her Bachelor’s degree from UCONN. Tina enjoys spending time with her husband, a USMC Veteran, and their two dogs, Charlie and Moose.

What motivates you to wake up and go to work?
As a Loan Officer, I love being able to help people achieve their dream of homeownership. I know that if I’m able to help people achieve their goals, that makes me successful too! It’s a win-win!

What do you enjoy doing in your free time?
I enjoy spending time with my husband Chuck and our two dogs, Charlie and Moose. We are a very active family. We run daily with and without the dogs. I am also an Aunt to three girls, and I love spending time with them.

If you could have any superpower what would it be and why?
I would go back in time.

What’s your favorite food?
Mac & Cheese

What are 2-3 fun facts about you?
I was an athlete in college and I have a family house in Italy!

If you won the lottery, what’s the first thing you would do?

I would purchase more real estate in different areas.

If someone was going to visit your hometown, what is one local spot you’d suggest they visit and why?

If visiting my hometown of Fairfield CT I would suggest stopping at Sasco Beach. It’s beautiful and serene. I have spent a lot of time.

What’s your favorite thing about working at Total Mortgage?
The people I work with. I am so grateful for my team.


Filed Under: Uncategorized

Source: totalmortgage.com

Posted in: Refinance, Renting Tagged: 2, 2022, About, active, beach, charlie, College, ct, dogs, dream, estate, Family, Financial Wize, FinancialWize, fl, food, Free, free time, fun, goals, homeownership, house, in, italy, loan, Loan officer, Local, More, Mortgage, NJ, Purchase, Real Estate, Spending, time, tx, Uncategorized, under, work, working

Apache is functioning normally

June 7, 2023 by Brett Tams

Conditions for first-time home buyers looked different in the first quarter of 2023 compared with one year before, but they hadn’t necessarily improved.

Across the country, while active listings in the first quarter fell from the previous quarter, they remained significantly higher than a year ago, and asking prices held relatively steady. However, homes were listed at 5.5 times the typical income of a first-time buyer — still above what’s deemed affordable according to an long-standing rule of thumb that suggests shopping for homes listed at three times your income. And a few new challenges have further complicated things: Higher mortgage rates and tightened lending standards mean getting a favorable mortgage (or getting a mortgage at all) has become more difficult.

This quarterly analysis has examined home affordability for first-time buyers across the nation and in the most populous metro areas for the past three years. At any given time, these ambitious shoppers face unique constraints, including less robust credit histories and generally lower incomes than repeat buyers. For new prospective homeowners, understanding the challenges they might face can help inform a successful buying strategy.

Affordability remains steady

Overall affordability changed little in the first quarter of the year for first-time home buyers. Across the nation as a whole, homes were listed at 5.5 times first-time buyer income. In the nation’s 50 largest metros, they were priced 5.6 times typical first-time buyer income — up from 5.5 in the fourth quarter of last year.

Metro areas in California have historically been the least affordable in the nation. This most recent quarter had some familiar faces among the costliest: Los Angeles, where homes were listed at 11.1 times the typical first-time buyer income, San Diego (9.6) and San Jose (8.7). These were joined by Miami (8.6) and New York City (7.3). This is the first time in this analysis that the NYC metro area was among the five least affordable locations.

As for where first-time buyer money can go the furthest, just two metros had homes listed at less than three times the typical first-time buyer income. This is the second quarter in a row that Pittsburgh (where homes were listed at 2.5 times first-time buyer income) and Cleveland (2.9) had the “affordable” designation. Other close contenders included Detroit (3.2), Buffalo, New York (3.3), and St. Louis and Baltimore, both at 3.6.

Click here to see a table with affordability metrics for all locations analyzed.

First-time buyer guidance: It may be possible to find homes listed at three times your income in rural areas, small towns and a few large metros. Elsewhere, it seems quaint. Barring the ability to relocate and buy in a low-cost market, you may be shopping for homes listed for far more. An online home affordability calculator can help you set a realistic initial price range given your personal circumstances as you begin shopping. Minimizing other debt and expenses is one way to allow housing costs to comfortably take up more of your monthly budget.

Prices stall in first quarter

Prices didn’t move much in the first quarter, after adjusting for inflation. Inflation-adjusted list prices give buyers a sense of how far their money will go when they begin shopping for a home, compared with how far it would have gone in previous periods.

Across the nation’s biggest metro areas, prices stalled compared to the previous quarter, and rose very slightly (+1%) when compared with the same period last year.

The biggest quarterly price increases were seen in midwestern areas, including a 10% increase in list prices in Kansas City, and 7% increases in Cincinnati and Columbus, Ohio and Minneapolis. Just two metro areas saw prices come down more than 5% when compared with the previous quarter: Pittsburgh and Detroit, which both saw 6% decreases.

First-time buyer guidance: The list price, also known as the asking price, may not be the price you pay for a home. In 2021 and into 2022, competition meant that sellers were receiving offers well above asking price. That competition has cooled and, in some markets, an offer at or even below list price could now be accepted. The best way to know for certain what type of competition you’ll face is to talk to a few real estate agents in the area where you hope to buy. Because conditions can vary from city to city, and even from one neighborhood to the next, chatting with someone who has local expertise will give you the best idea of what to expect.

Borrowing gets more difficult in Q1 and beyond

Few first-time buyers can purchase a home outright, with cash. Most take out a mortgage. And in the most recent quarter, that got a little more difficult. Not only are buyers still trying to adjust to consistently higher interest rates, some banks reported tightening lending standards during the first quarter.

Citing the “uncertain economic outlook” and reduced risk tolerance, among other reasons, lenders across bank sizes made it more difficult to obtain residential real estate loans, according to the Senior Loan Officer Opinion Survey from the Federal Reserve. They expect the trend to continue throughout the year.

First-time buyers, who may be more likely to have less robust credit histories, could feel the brunt of this tightening.

First-time buyer guidance: Whether your goal is to qualify for the lowest mortgage rate possible or simply qualify for a mortgage, your credit score is a good place to start. Keep your score high by making payments on time, every time. Also, if possible, avoid opening new accounts in the months leading up to your house hunting — it will drag down your average account age, another important factor in your credit score. In addition to your score, lenders will look closely at your debt-to-income ratio, so paying down debt before you shop for a home loan can make your application even more attractive.

Inventory dips, but still a major improvement over 2022

Inventory is often lower in the first quarter of the year — the weather is cold and we haven’t hit the seasonal swing into homebuying season. This year, the number of active listings fell 26% in Q1 in the largest metro areas. This seasonal dip was likely exacerbated by higher mortgage rates — would-be sellers may be less likely to trade their old rate for a new one, knowing rates will remain elevated well above where they were during the buying frenzy of 2021.

That said, the number of active listings is a significant improvement over what was available last year at the same time.

Click here for a table displaying quarterly and yearly changes in available homes, by metro area.

First-time buyer guidance: The number of homes available for sale directly impacts how likely it is you’ll find a home that checks all of your boxes. And in a sparse market, if the “perfect” home is listed, there’s a good chance you’re not the only interested buyer. Before you begin shopping, prioritize the items on your wishlist according to what you cannot live without and what you may be willing to compromise on. There’s little doubt you’ll need to make some compromises; going into the process with this in mind can save you some disappointment.

METHODOLOGY

Monthly median list price and list count figures are from monthly inventory data from the Realtor.com residential listings database as of May 2, 2023. All nominal list prices were adjusted to March 2023 dollars using the U.S. Bureau of Labor Statistics’ Consumer Price Index. All monthly median figures were compiled into quarterly averages.

Changes to the Realtor.com inventory data methodology occurred with the release of the website’s February 2023 data. These changes make the current data not directly comparable with previous data releases. This means NerdWallet’s analysis of first-quarter data cannot be directly compared with our analyses of previous quarters’ data.

The median age of first-time home buyers is 36, according to the National Association of Realtors’ 2022 Profile of Home Buyers and Sellers. Estimated income for first-time home buyers was derived from the U.S. Census Bureau’s 2021 American Community Survey metro-level median household income for householders ages 25-44 — the range likely to include most first-time home buyers — and adjusted to March 2023 dollars using the Bureau of Labor Statistics’ Employment Cost Index.

Interpret metro rankings with caution. Due to margins of error in income data and rounding, there may be overlap in affordability ratios.

San Juan, Puerto Rico, is among the 50 most populous metros but was excluded from the analysis due to insufficient inventory data.

Source: nerdwallet.com

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Apache is functioning normally

June 6, 2023 by Brett Tams

The word timeshare is often associated with the same sneaky, slimy vibes that emanate from the backrooms of the car dealership during sales negotiations. They both are thought to involve high-pressure sales tactics, a big loss in value the second the purchase is made and rash decision-making you may regret later.

I don’t dispute those things are often quite true, but my timeshare purchase involved no salespeople, no pressure and (so far) no regrets.

And before you discount me as someone who has no clue what I’m talking about or that’s in denial, I travel on points and miles a lot of the time, am pretty adept at hunting travel deals and used math to decide that this purchase was a good one for us.

Here’s why buying a timeshare made sense for me, even though it absolutely won’t — and shouldn’t — make sense for everyone.

Related: 5 things to know about renting a timeshare

Buying a timeshare that doesn’t call itself a timeshare

We bought two contracts in the Disney Vacation Club, which is Mickey’s version of a timeshare … even though that nine-letter word isn’t one Disney uses on its public branding. But make no mistake, what we bought is indeed a timeshare — or two, to be more accurate.

With the Disney Vacation Club, you purchase a set number of points tied to a specific resort to use each year through the end of the contract. An agreement at a new property, such as the new villas at the Disneyland Hotel, is valid for 50 years, while getting a contract at existing properties usually means a shorter time frame, with some being as short as 19 years, ending in 2042.

The two smaller contracts we bought are for Disney’s Aulani resort in Hawaii (expiring in 2062) and the Polynesian Village Resort at Walt Disney World (expiring in 2066), for a total of 155 annual points in the Disney Vacation Club program. While you have priority booking 11 months from the date of travel at your home resort where you “own,” you can use the points within seven months of travel at any Disney Vacation Club resort with availability — with some caveats that we’ll mostly leave for this guide we have on how the Disney Vacation Club works.

Disney’s Aulani. SUMMER HULL/THE POINTS GUY

Both of our contacts were purchased on the resale market, which means we are paying significantly less than what Disney would want for a direct DVC membership. A downside of buying resale is you can only pick through existing contracts instead of crafting exactly what you might want to design from scratch. You also don’t get some of the discounts and perks that come from owning at least 150 DVC points directly from Disney (such as access to the DVC lounges in the parks and being eligible for some less expensive annual pass types).

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I’ll get more into the numbers below, but we have a long track record of taking a variety of Disney vacations year after year, so I feel pretty confident that will continue for the foreseeable future. And I know what we often spend to stay at Disney resorts, which makes the math against the price to own easier. And there is a bustling market for renting DVC points that very much has my attention.

Related: How to rent Disney Vacation Club points to save money on Disney stays

Why now was the time to buy

While I’ve had a mild curiosity about becoming a Disney Vacation Club member for a few years — and have rented DVC points numerous times — there are a few reasons now was the time to purchase.

Disney has the first right of refusal to buy back all of its Disney Vacation Club contract resales. Once the buyer and the seller agree on a price, Disney then has 30 days to buy the contract back at that price itself, thus taking it away from its intended buyer. And historically, Disney really would exercise that right some of the time, especially on contracts where prices were low.

For example, according to the DVC Resale Market, a site that lists some DVC contracts for sale, by March 2022, Disney had already exercised its buy-back clause on 244 contracts that company had helped to sell by March that year. In contrast, by March this year, that buy-back number for the year was just four — and all of those were from January, with none shown since then.

With almost no Disney buybacks happening in the last few months, some contracts are selling at cheaper prices than historically was possible. With prices trending down, inventory trending up and Mickey not swooping in to buy back the best deals at a normal clip, now was the time for us to buy.

The math behind my timeshare purchase

Before I share our numbers, let me emphasize one more time that this isn’t for everyone — it’s not even right for most Disney aficionados. Smaller contracts also cost more per point than larger contracts, so you can get better deals on a per-point basis if you are willing to buy more points. We wanted to minimize risk by staying small, so we paid a bit more per point as a result. Here’s how it broke down for us.

For our Polynesian Village contract, we bought 55 points for $156 per point at a total cost (with dues, closing costs, etc.) of just over $9,300. For our Aulani contract, we bought 100 points for $108.50 per point for an all-in cost of just over $12,600. And yes, it is totally normal for some resorts to cost much more than others, as you see with our Aulani and Polynesian purchases. This is due to the cost of annual dues at each property, the desirability of booking further in advance at that property and the number of years left on the contract.

1 of 3

Disney’s Polynesian Village Resort. SUMMER HULL/THE POINTS GUY

So for about $22,000, we now have 155 Disney Vacation Club points to use each year until the contracts expire. That cost may sound nuts by itself. But remember that at current rates, we also will owe $914 per year for dues on our Aulani points and $437.25 for our Polynesian points, and those numbers will likely only increase over time. So that means $1,351.25 per year just to own the points based on this year’s prices.

But here’s why it’s not as crazy as it likely initially sounds.

Right now, it is very realistic to rent your DVC points out for stays as an individual at $20 per point, with some getting higher or lower amounts. If we rented all 155 points out at that $20 rate in a year, that would mean getting $3,100, which way more than covers the dues. In fact, using current rates to rent out points and for dues (knowing both will likely increase as the years go by), we’d recoup the cost we spent to buy the contracts if we did that for 13 of the 39 years we will own both contracts — including covering the cost of the dues in the years we fully rent the points out.

Now, I’m not saying that’s my plan, but that’s the math. For those curious, per the terms, you can expressly rent out points, but not in a pattern that constitutes a commercial enterprise.

So now let’s talk about math when using the points, which we absolutely will do.

You can use the points to stay at Disney resorts starting at just 7 points per night at Deluxe resorts such as Disney’s Animal Kingdom Lodge. By owning 155 per year, we have the opportunity to cover numerous nights at Disney with the points we now own if we are strategic about how and when we cash them in. But for now, let’s be extra conservative and say our stays in studio villas will average 20 points a night. With that math, we get between seven and eight nights a year out of our points.

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Disney’s Animal Kingdom Lodge. SUMMER HULL/THE POINTS GUY

If, for the 39 years that we own both contracts, we used all the points ourselves and got an average of 7.75 nights at high-end Disney resorts from our points using a 20-point per-night average, that’s a total of 302 hotel nights (not even counting the additional four years of stays on our Polynesian points).

Not counting annual dues, that comes to a “cost” of $72.85 per resort night from the all-in original purchase price. Using today’s cost of dues, then counting annual dues, that cost jumps to paying $247.35 per night. This amount will go up, but likely so will the average cost of hotel stays booked directly, so using today’s dollars for both should give an apples-to-apples idea of the cost.

That’s not a cheap nightly rate for a hotel, but if you take a look at the going nightly rate for a night at Disney’s Polynesian Village Resort, Aulani Resort, Disney’s Grand Floridian Resort & Spa and other spots we like to stay, rates are often $500-$700. And compared to that, $247.35 per night starts to look more like a deal. And remember, this was using a conservative average nightly points rate compared to where nightly points rates start, so the more nights we redeem for lower points, the lower the average rate we are “paying” per night.

When you then factor in that there are other options for the points in the years that you may not want to go to Disney, such as gifting family and friends or even renting them out a stay, the math — for us — starts to look less and less outrageous.

Related: These are the best hotels at Disney World

A renovated Grand Floridian DVC studio. SUMMER HULL/THE POINTS GUY

What happens if we don’t want it anymore — or die?

If it turns out that eventually, we don’t want to own one or both of these Disney Vacation Club memberships anymore before the deeds expire, we can put them up for resale.

The good news is we bought at resale prices, so while no one knows what the future market is for these contracts, hopefully, we’d be able to get out of the memberships without getting too upside down since we didn’t pay retail. So far, someone has always been willing to buy a DVC membership as long as the price is right, so it’s not a question currently of if you could sell, but for how much.

But if no one bought them, we’d continue to be on the hook for the dues until we could offload them somehow. This is one reason we kept our purchase on the smaller side.

Since my husband and I are both on the deeds, if one of us dies while the deed is active, the other of us keeps on trucking with it. If we both die before the time is up on the deeds, then they become a piece of deeded real estate subjected to your will(s), those getting your inheritance, the probate process, etc.

Once our kids are adults, we could also add them to the deed(s) if it seems Disney is going to continue to be a part of their lives. Some people approach these purchases with a trust in mind as the owner. Naturally, there are implications to all of the proceeding options that would need to be worked out with lawyers and the like, so don’t take my word too seriously on any of that, but know that there are some implications of owning a deeded timeshare beyond just the cost to own.

Bottom line

Should any rational person spend $22,000 buying timeshares on the resale market — and still be on the hook for over $1,000 in annual dues for the next several decades for Disney resort stays? Maybe not. Probably not.

But on the other hand, after running the numbers many times and looking at our track record of vacations spanning more than the last decade, it started to feel absurd not to give this a try. And if it all goes south, then future me will hope that there’s someone out there like current me that thinks this is worth giving a try.

Related reading:

Source: thepointsguy.com

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Apache is functioning normally

June 6, 2023 by Brett Tams

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It’s Friday, and you’re looking forward to a relaxing weekend in town with friends. You log into your online banking portal to check your balance, but your account keeps giving you an annoying “account not found” error. 

Panic sets in and questions flood your mind. Did I do something wrong? Why was my account suddenly closed? Don’t worry. You’re not alone in your panic. Many banking customers have found themselves in similar situations, left to unravel the mysteries of why the bank closed their account. 

In the world of banking, account closures can happen for various reasons, and understanding why can save you a lot of frustration and inconvenience.

Reasons the Bank May Close Your Account

There are many reasons your bank could close your account, from irresponsible behavior to fraudulent activity. No matter the reason, your bank should inform you, so the first step is to look through your unopened mail for notifications about any of these circumstances. 

1. Insufficient Funds

If your debit card frequently gets denied, your bank might decide to part ways with you. Some banks require you to keep a minimum amount of cash in your account. If your balance consistently falls below that, the bank will close your account since you’re violating its policies. Understanding how to manage your finances effectively can help you avoid this situation altogether.

To avoid overdrawing your account:

  • Turn on alerts through your bank’s mobile app. 
  • Create a budget.
  • Keep a buffer amount in your account as a cushion for unexpected expenses. 
  • Sign up for overdraft protection. 

2. Suspicious Activity

In a time of frequent cyberthreats, banks prioritize the security of their customers’ accounts above all else. So if they detect any unusual or suspicious activity on your account, they might close it. 

This activity can come in the form of identity theft or fraudulent transactions. Banks have sophisticated systems in place to monitor account activity and identify potentially fraudulent transactions. If they notice any suspicious patterns, such as multiple large transactions in a short period or transactions in unfamiliar locations, they’ll take immediate action to protect your account and other customers.

To safeguard your account and prevent account closure due to suspicious activity:

  • Regularly check in on your account through your bank’s online portal or mobile app. 
  • Enable transaction alerts that notify you of any activity on your account, good or bad. 
  • Report suspicious transactions to your bank immediately. 

3. Violation of Terms & Conditions

Having a bank account requires adhering to the terms and conditions set forth by your bank. They’re all laid out in the ridiculously long document the bank sent you when you first signed up for the account. You likely had to check a box saying you agree to them. Violating these terms and conditions can result in account closure. 

A few common violations that can lead to this closure include:

  • Illegal activities, such as money laundering, fraudulent schemes, or financing illegal ventures. 
  • Policy violations like using a personal account for business purposes or failing to maintain a certain minimum balance. 
  • Engaging in fraudulent behavior, such as providing false information, submitting fraudulent documents, or attempting to deceive the bank. 

If you have any questions or concerns, reach out before agreeing to your bank’s terms and conditions.

4. Inactivity

Believe it or not, simply leaving your account dormant for an extended period can lead to its closure. Banks close inactive accounts as a means to streamline operations and reduce costs. 

After all, having an account with no money in it isn’t making them anything in terms of profits. Additionally, inactive accounts are more vulnerable to fraudulent activities, so banks prefer to close them to minimize risk.

To prevent your account from closing due to inactivity:

  • Use your account for at least one transaction per month, even a small one like autopaying a streaming service. 
  • Set reminders or alerts on your calendar or phone to use your account.
  • Automate your recurring payments.

5. Relationship With the Bank

Your relationship with your bank plays a significant role in the overall banking experience, for both you and your bank. In some cases, rude or aggressive behavior or treatment of bank staff influences the bank’s decision to close an account. 

Additionally, if you repeatedly fail to comply with reasonable requests, such as providing required documentation, responding to inquiries, or addressing potential issues, it could lead to an account closure.

Maintaining a respectful relationship with your bank’s staff and following the bank’s rules are crucial, so to foster a positive banking experience:

  • Communicate politely and professionally.
  • Understand and comply with your bank’s guidelines.
  • If you have any questions, concerns, or issues, reach out to the bank. 

How to Get Your Closed Bank Account Reopened

Experiencing the unexpected closure of your bank account is likely a stressful situation, especially if it was for anything other than inactivity. If you respond promptly and take the necessary steps to address the issue, you should be able to get your account up and running again fairly quickly. 

1. Contact the Bank

When you discover your bank has closed your account, don’t wait to contact them. Reach out immediately. 

Approach this conversation with a calm and polite demeanor. Clearly explain your situation, provide any relevant details, and ask for specific information regarding the closure of your account. Be prepared to provide identifying information, such as your account number and full name. 

It’s beneficial to keep a record of the conversation, noting the date, time, and the name of the representative you spoke with. 

2. Seek Alternatives

There are times when an account closure can provide you with an opportunity. If your bank closed your account because you can’t keep up with its requirements or you simply aren’t using the account anymore, maybe it’s time to find another bank. 

To find a better option for your financial needs:

  • Research different banks and credit unions. Take the time to research various banks and credit unions to find one that aligns with your financial goals and preferences. Look at factors such as fees, account features, customer service, accessibility, and the convenience of branch locations or online and mobile platforms.
  • Compare account options. Look into the different types of accounts offered by the banks you’re considering. Would a checking account work better for you? Or maybe a money market account? 
  • Evaluate customer reviews and ratings. Customer reviews are the best way to get a feel for a company. Online platforms, review websites, and personal recommendations can provide valuable insights into the banking experience you should expect.
  • Ensure you can meet minimum requirements: Pay attention to the minimum requirements each bank sets for opening and maintaining the account. Ensure you can comfortably meet these requirements, such as minimum deposit amounts or monthly balance thresholds, to avoid potential closure in the future.

3. Resolve Any Outstanding Issues

Having your bank account closed doesn’t necessarily solve the problem. You must proactively address any outstanding issues to minimize the negative impact on your financial history. 

  1. Contact the bank quickly. Reach out to your bank to discuss any outstanding fees, overdrafts, or disputes associated with your closed account. Request a detailed breakdown of any outstanding balances or charges.
  2. Negotiate a resolution. Engage in a constructive conversation with the bank representative to negotiate a resolution that is fair and reasonable on both sides. If you’re facing financial hardship, explain your situation and explore possible options for fee waivers, reduced payment plans, or debt settlement arrangements.
  3. Address overdrafts and negative balances. If your closed account had any overdrafts or negative balances, work with the bank to establish a repayment plan, or pay the balance in full. 
  4. Retrieve your remaining funds. If there were funds still in your closed account, the bank provides you with a few different options to receive those funds. That can involve issuing a check, transferring the funds to another active account, or utilizing alternative payment methods. 
  5. Monitor your credit report. After resolving any outstanding issues, monitor your credit report to ensure that the closure of your account and any related matters are accurately reflected. If you notice any inaccuracies or discrepancies, dispute them with the credit reporting agencies to maintain a clean credit history.

Final Word

Understanding why your bank may close your account is not just about unraveling the mysteries of the banking world; it’s about taking control of your financial well-being. 

While the reasons for account closures can sometimes seem arbitrary, there are steps you can take to mitigate the risk and minimize the impact. 

If you just can’t make it work with your current bank, it might be time to move on and find one that can meet your needs. Check out our list of the best checking accounts. 

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Christopher Murray is a professional personal finance and sustainability writer who enjoys writing about everything from budgeting to unique investing options like SRI and cryptocurrency. He also focuses on how sustainability is the best savings tool around. You can find his work on sites like Bankrate, Money Crashers, FinanceBuzz, Investor Junkie, and Time.

Source: moneycrashers.com

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Apache is functioning normally

June 6, 2023 by Brett Tams

Investment banking is a specialized area of the financial services industry that focuses on aiding governments, corporations and other entities to raise capital and complete mergers and acquisitions. The term “investment banker” refers to an individual who works for an investment bank that offers these services.

Investment banking is typically considered to be a prestigious career, and becoming an investment banker can be lucrative for those willing to complete the necessary education and training.

What Is an Investment Banker?

Investment bankers work for investment banks, which are effectively middlemen between entities that need capital and entities that provide it. In simpler terms, investment bankers help their clients to expand and grow their businesses or operations.

Another way to think of an investment banker is as a financial advisor to governments, corporations, and other businesses. As part of their professional duties, they may guide clients in making financial decisions that directly or indirectly affect their bottom line.

Investment bankers are most often associated with Wall Street, though they work in cities throughout the world. Some of the largest investment banks in the United States include Goldman Sachs & Co., Morgan Stanley, J.P. Morgan, Bank of America Merrill Lynch, and Blackstone.

What Do Investment Bankers Do?

Investment bankers play an important role in helping companies achieve their financial goals. When a corporation is planning an upcoming expansion project, for instance, its board may turn to an investment bank for help. An investment banker can analyze the company’s financial situation to determine the best way to meet its needs.

In terms of the specific tasks an investment banker may carry out, that depends largely on the type of clients they work with.

Assisting With Initial Public Offerings

Investment bankers can play a critical role in helping clients secure capital. Depending on the client, this can be done through a variety of means, including the launch of an initial public offering (IPO).

An initial public offering, or IPO, allows private companies to offer shares of its stock to the public for the first time. The investment banker assists by creating a prospectus explaining the details of the IPO, marketing it to potential investors, and navigating Securities and Exchange Commission (SEC) compliance rules.

Investment bankers are key to whether the company’s IPO is a success. They help determine the initial price of the offering, which is critical. Pricing too high could scare off investors, while going too low could undercut their client’s profits.

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Bond Issuance

Government agencies and corporations often use bonds as a fundraising tool. For example, if a city government needs money to improve local roads they might issue a municipal bond to fund the project. Investors purchase the bonds on the bond market, giving the government the capital it needs to complete the road updates. Investors can hold onto the bond and earn interest on it, or they can sell it to another investor.

As with an IPO, an investment banker’s role in issuing bonds may include preparing the bond issuance documents, setting a price, submitting it to the SEC for approval, and marketing the bond to investors to raise capital.

Recommended: Federal Reserve Interest Rates, Explained

Equity and Debt Financing

Equity and debt financing are two other ways that companies can tap into funding. With equity financing, companies raise capital by selling an ownership share in the business. Venture capital and private equity are common examples of equity financing.

Debt financing involves taking out loans or lines of credit, without giving up ownership stakes. An investment banker can help companies assess which type of financing makes more sense for their business model, and help them work through the process of securing the funding.

For example, investment bankers may work with startups to pitch angel investors, while they might help more established companies compare and select loan options.

Mergers and Acquisitions

Another common task that investment bankers assist companies with is mergers and acquisitions. In a merger, two companies enter into an agreement to become a single business entity. Each company is treated as an equal in the transaction. An acquisition, on the other hand, involves one company purchasing another.

In either type of arrangement, companies may use investment bankers to oversee the process. This could involve negotiating the terms of a merger or acquisition and reporting the details of the transaction to the SEC to ensure compliance. When a company considers an acquisition, investment bankers can also help identify and vet potential targets.

Recommended: What Happens to a Stock During a Merger?

Investing and Asset Management

While investment bankers’ duties primarily revolve around raising capital for their clients, there are other services they may perform. This can include things like:

•   Investment research and analysis

•   Buying and selling securities

•   Offering advisory services

•   Asset management

These services are similar to what a personal financial advisor might offer their clients.

How to Become an Investment Banker

If you’re interested in a career in investment banking, there are a few things to know. In terms of education, a bachelor’s degree is typically a minimum requirement for most investment banker jobs. Though some investment banks may look for candidates that have earned a higher degree of education, such as an MBA or a graduate-level degree in finance.

Aside from education, there are certain skills that may help you be successful as an investment banker. Those include:

•   Ability to perform under pressure

•   Good communication skills

•   Solid marketing skills

•   Firm grasp of financial markets and modeling

•   Strong attention to detail

Depending on your responsibilities, you may also need a securities license. That may include completing one of more of the following licensing exams:

•   Series 7 General Securities Representative Qualification Examination (GS)

•   Series 79 Investment Banking Representatives Exam

•   Series 63 Uniform Securities Agent State Law Exam

Before you can take these exams, you first have to be employed and sponsored by a FINRA-member firm or other self-regulatory organization member.

Taking and passing the Securities Industries Essentials (SIE) Exam could help improve your chances of being hired as an intern or junior employee. That process begins early, with many banks hiring summer interns more than a year ahead of the start of the program.

How Much Do Investment Bankers Make?

Investment bankers generally earn above-average salaries. Even at the entry level, it’s possible to make $100,000 or more, and salaries for top Wall Street bankers can easily range into the millions or tens of millions. But investment banking is one of the hardest jobs on Wall Street. So, if you’re not prepared to routinely work 100-hour weeks or constantly be on-call for your clients, it may not be the job for you.

The Takeaway

Investment bankers work primarily with institutional investors, governments and corporations rather than individual investors. But you can still benefit from the work investment bankers do behind the scenes indirectly.

Investment bankers may work in a variety of roles, such as helping facilitate IPOs, or mergers and acquisitions. It can be a lucrative career path, too, but generally requires a graduate-level education, and additional licensing.

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SoFi Invest®
The information provided is not meant to provide investment or financial advice. Also, past performance is no guarantee of future results.
Investment decisions should be based on an individual’s specific financial needs, goals, and risk profile. SoFi can’t guarantee future financial performance. Advisory services offered through SoFi Wealth, LLC. SoFi Securities, LLC, member FINRA / SIPC . SoFi Invest refers to the three investment and trading platforms operated by Social Finance, Inc. and its affiliates (described below). Individual customer accounts may be subject to the terms applicable to one or more of the platforms below.
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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.
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