• Sample Page

Hanover Mortgages

The Refined Mortgage Lending Company & Home Loan Lenders

build

Your Purpose In Life

January 27, 2023 by Brett Tams

  Show Summary Welcome back to the show and Merry Christmas!! I’m recording this two-part series that we’re going to share with you over the next two episodes on Christmas Eve! I…

Posted in: Small Business Tagged: All, Applications, ask, before, Benefits, bonuses, build, building, business, Buy, chase, Children, Christmas, clear, closing, coffee, country, couple, Deals, estate, expectations, expense, experience, experts, Financial Freedom, Financial Wize, FinancialWize, free stuff, freedom, get started, Getting Started, Getting Started in Real Estate Investing, gift, gifts, Giving, goal, goals, good, great, Grow, happy holidays, holiday, Holidays, home, house, How To, impact, industry, Interviews, Investing, investors, job, journey, Lead Generation, Learn, lessons, Life, Live, Local, Make, Make Money, making, Making Money, mindset, money, More, needs, new, new year, offer, Operations, opportunity, Other, paint, Planning, portfolio, pressure, products, questions, rate, ready, Real Estate, Real Estate Investing, Real Estate Investing Secrets, real estate investor, Real Estate Investors, right, risk, safety, second, secrets, Sell, sellers, shopping, Social Media, students, the new year, time, tips, transformation, value, Video, will, work, working, wrong, youtube

How to Build an Emergency Fund in College

January 27, 2023 by Brett Tams

When I was in college, I had a bit of a spending problem. I loved to buy new clothes, go out to eat and go to concerts.  Even though I tried to budget, I always wound up overspending.  The one financial rule I did follow? I always had a small emergency fund, with at least

The post How to Build an Emergency Fund in College appeared first on MintLife Blog.

Posted in: Real Estate News, Student Finances Tagged: 2, 2022, after college, apartment, ask, author, Auto, balance, Bank, bank account, bank of america, basic, beach, before, Blog, Borrow, borrowing, brick, Budget, build, building, Buy, car, chase, chase checking, Checking Account, Christmas, city, Clothes, College, color, Credit, credit card, data, deposit, driving, Emergency, Emergency Fund, expenses, expensive, Family, Featured, Fees, Finance, finances, Financial Wize, FinancialWize, first apartment, flight, freelance, fund, funds, goal, good, groceries, holiday, home, How To, Income, interest, interest rate, iPhone, job, landlord, layout, Learn, Life, living expenses, loan, Loans, Local, Make, Make Money, Mint, mint.com, mobile, money, More, Move, Moving, moving out, needs, new, new apartment, office, Other, parents, pawn, Personal, personal finance, plan, Psychology, rate, save, Saving, Saving 101, savings, Savings Account, security, security deposit, Sell, selling, Side Hustles, Spending, Spring, stress, student, Student Finances, student loan, Student Loans, students, Style, tax, tax refund, time, title, Travel, Uber, white, will, windfalls, wrong

Not saving? These 3 reasons to save money will give you the motivation to start

January 27, 2023 by Brett Tams

Saving money takes discipline. And a certain amount of sacrifice.

The post Not saving? These 3 reasons to save money will give you the motivation to start appeared first on Discover Bank – Banking Topics Blog.

Posted in: Real Estate News Tagged: 2, 401k, Bank, Banking, Blog, brokerage, build, building, business, company, cost, couple, decision, discover, earnings, education, Emergency, Emergency Fund, expenses, FDIC, Fees, Financial Education, Financial Freedom, Financial Goals, Financial Planning, Financial Wize, FinancialWize, freedom, fund, goal, goals, good, great, Healthcare Costs, impact, Income, Invest, job, Job Security, Life, Lifestyle, Live, living expenses, Make, money, More, Motivation, new, News, Online Savings Account, opportunity, parents, party, paycheck, plan, Planning, Promos, retirement, retirement savings, right, save, Save Money, Saving, saving money, savings, Savings Account, savings goal, Savings Strategies, Savings Tips, security, simple, Small Business, starting a business, time, tools, Travel, Ways to Save, wealth, will, women, work, young

Which matters more for building wealth: Your saving rate or your investment returns?

January 27, 2023 by Brett Tams

My name is Zach, and I write at Four Pillar Freedom, where I tend to tackle financial topics through data visualization. While J.D. is on vacation, I offered to explore one of his favorite topics: the effects of saving rate versus investment returns.

Albert Einstein supposedly once said that compound interest is the eighth wonder of the world.But does data actually support this claim?

In this post, I explore the nature of compound interest, how long it takes to become an important factor in wealth accumulation, and whether or not it actually matters much for people who hope to achieve financial independence in a relatively short time.

What matters more: your saving rate or your investment returns?

Accumulating Wealth in the Early Years

Suppose your goal is to achieve a net worth of $1 million. If you invest $10,000 every year and earn a 7% annual return on your investments — which is a reasonable assumption for long-term stock market returns — you’ll accumulate $1 million in about 30.7 years.

The chart below shows exactly how long it would take to reach every $100,000 net worth milestone, using the assumptions of a $10,000 annual investment earning a 7% annual return:

Notice how each $100,000 net worth milestone takes less time to reach than the last. In fact, it’s mind-boggling to see that it will take youlongerto go from $0 to $100,000 than it will to go from $600,000 to $1 million:

The first $100,000 takes the longest to save because you don’t receive much help from investment returns early on. The time it takes you to go from $0 to $100,000 is mostly dependent on the gap between your income and your spending.

Posted in: Building Wealth, Investing, Retirement, Taxes Tagged: 2, All, asset allocation, before, big, buffett, build, building, building wealth, business, calculator, Compound, Compound Interest, compounding, couple, data, Early retirement, earning, environment, expenses, Fees, Financial Goals, financial independence, Financial Wize, FinancialWize, fire, freedom, gap, goal, goals, good, growth, heat, hold, household, Income, interest, Invest, Investing, investment, investment returns, investments, investors, job, jobs, journey, Life, low, LOWER, Main, Make, market, money, More, munger, net worth, News, Other, pinterest, rate, Rates, Real Life, retirees, retirement, returns, rich, right, save, Saving, saving rate, savings, Savings Account, single, Spending, stock, stock market, tax, The Stock Market, time, vacation, versus, warren, wealth, will, young

What is Fedloan Servicing? (Guide to Fedloan Student Loans)

January 27, 2023 by Brett Tams

There you are, sitting in your high school’s guidance office talking with your counselor about heading off to college after graduation. You’re all excited thinking about the new friends and freedom you’ll have until you go home to parents who remind you that college isn’t cheap. With over half of college students taking on debt,

The post What is Fedloan Servicing? (Guide to Fedloan Student Loans) appeared first on MintLife Blog.

Posted in: Home Ownership, Student Finances Tagged: 2, 2022, after college, aid, All, android, app, Applications, ask, author, balance, Bank, basic, before, Benefits, bills, Blog, Books, borrowing, build, business, Buy, calculator, car, CFPB, chance, collecting, College, college students, color, company, Consumer Financial Protection Bureau, Consumers, covid, COVID-19, Credit, credit disputes, credit union, customer service, data, Debt, decision, deferment, department of education, down payment, education, employer, experience, fafsa, Family, fed, federal loans, federal student loans, finances, financial aid, Financial Goals, Financial Wize, FinancialWize, Forbearance, freedom, Giving, goals, government, grace period, graduation, Graphic, great, guide, higher education, hold, home, How To, improvement, Income, interest, interest rate, international, iOS, iPhone, job, layout, Learn, lenders, Life, Live, loan, Loans, low, low-income, LOWER, Make, making, Mint, mint.com, mobile, Mobile App, money, More, more money, Move, new, offer, offers, office, organization, Other, parents, payments, plan, planner, principal, programs, protection, public service, questions, rate, Refinance, refinancing, REPAYE, Review, right, room, Salary, save, savings, scam, scams, School, second, Servicing, single, spouse, Spring, stafford loan, student, Student Finances, student loan, Student Loan Repayment, Student Loans, students, Style, survey, the balance, time, title, tools, Travel, tuition, under, unique, update, Ways to Save, white, will, work, workers, working

10 Personal Finance Rules College Students Can’t Afford To Break

January 27, 2023 by Brett Tams

Personal finance 101 may not be on your course schedule, but that doesn’t mean you can’t school yourself on how to manage money. Learn these 10 personal finance rules that you can’t afford to break.Personal finance 101 may not be on your course schedule, but that doesn’t mean you can’t school yourself on how to manage money. Learn these 10 personal finance rules that you can’t afford to break.

The post 10 Personal Finance Rules College Students Can’t Afford To Break appeared first on Money Under 30.

Posted in: Commercial Real Estate Tagged: 2021, advice, after college, All, assessment, Auto, auto insurance, average savings, Bank, before, Budget, Budgeting, build, building, business, car, Career, Careers, clear, College, college graduate, college students, company, cooking, Credit, credit card, credit cards, credit score, data, Debt, decades, decision, deposit, Direct Deposit, discover, diversify, dream, Emergency, Emergency Fund, employer, employer-sponsored retirement plan, entry, expense, expenses, experience, experts, Family, Fees, Finance, financial tips, Financial Wize, FinancialWize, first job, fund, funds, get started, goals, good, good credit, grace period, graduation, great, groceries, habits, health, healthy, home, How To, impact, Income, industry, Insurance, interest, interest rate, interest rates, Investing, investment, investment portfolio, investments, IRA, job, jobs, Learn, learned, lenders, Life, Live, LLC, loan, Loans, low, LOWER, Make, Manage Money, manage my money, market, Marketing, marriage, married, money, Money Management, More, Mortgage, mortgage loan, Move, needs, new, offers, office, opportunity, organize, Other, paycheck, payments, Personal, personal finance, plan, portfolio, principal, protect, Purchase, questions, rate, Rates, ready, refinancing, retirement, retirement plan, Review, rewards, right, risk, routine, running, Salary, sales, save, Save Money, Saving, Saving for Retirement, savings, Savings Account, School, search, single, Spending, stage, Start Saving, stress, student, student loan, Student Loans, students, Style, time, tips, title, tools, under, unique, value, wealthfront, will, work, young, young people

Homebuilders still need lower mortgage rates

January 27, 2023 by Brett Tams

How are homebuilders positioned heading into spring? It’s all about mortgage rates as they move through a backlog of unfinished homes.

Posted in: Mortgage, Mortgage Rates, Refinance Tagged: 10-year yield, 2, 2021, 2022, active, All, balance, balance sheet, Behavior, bond, bond yields, Books, build, builders, business, buyers, Census Bureau, construction, crash, data, Deals, Department of Housing and Urban Development, efficient, existing, Existing home sales, expensive, Family, Financial Wize, FinancialWize, good, growth, historical, history, home, Home Sales, Homebuilder confidence, Homebuilders, Homeowner, homeowners, homes, house, Housing, housing crash, Housing inventory, Housing market, Housing permits, index, inventory, investors, Listings, low, LOWER, Make, making, market, model, money, More, Mortgage, Mortgage Rates, Move, Moving, NAR, new, new home, new home sales, Other, Permits, points, products, rate, Rates, ready, Reverse, sales, second, Sell, sellers, single, single-family, Spring, spring housing market, stock, stocks, story, time, U.S. Census Bureau, under, will, work

10 Best Reasons To Start A Blog in 2023– Start Yours Now!

January 27, 2023 by Brett Tams

Are you thinking about starting a blog? If so, this article is full of great reasons to start a blog in 2023! Whenever I talk to people who are interested in blogging, one of the main things that stops them is whether or not it’s a good time to start a blog. My response is […]

The post 10 Best Reasons To Start A Blog in 2023– Start Yours Now! appeared first on Making Sense Of Cents.

Posted in: Extra Income, Money Tips Tagged: 2, 2022, 2023, advice, affordable, All, Auto, Beauty, before, Blog, Blogging, build, business, Career, cents, chance, clear, color, company, couple, crafts, customer service, data, DIY, Earn money, earning, education, Email Marketing, experience, Extra Income, Extra Money, Family, Fashion, Finance, Financial Wize, FinancialWize, fitness, food, funny, games, get started, goals, good, Google, great, Grow, guide, health, home, How To, ideas, Income, Inspiration, internet, job, journey, keywords, layout, Learn, learned, Life, list, Loans, low, Main, Make, Make Money, make money blogging, making, Marketing, money, More, more money, Motivation, MOZ, new, not too late, online business, Other, outdoor, passive, passive income, Personal, personal finance, pins, pinterest, planner, proof, Purchase, Relationships, right, room, running, save, Save Money, self-employed, SEO, Small Business, Social Media, space, Start a Business, story, student, Student Loans, Style, time, tips, title, Travel, trust, updates, value, Video, wants, Ways to make money, will, work, working

How to Budget When You’re on Inconsistent Income

January 27, 2023 by Brett Tams

Budgeting for travel is hard enough as it is. But add in a job that provides inconsistent income it may seem impossible. After years of trial and error, I finally figured out a way to stop stressing about budgeting and save for travel (and retirement!) all at the same time. The Tricks 1. Paying myself

The post How to Budget When You’re on Inconsistent Income appeared first on MintLife Blog.

Posted in: Apartment Safety, Budgeting, Travel Tagged: 2022, 401(k) plan, All, apartment, ATM, author, Bank, bank account, basic, bathroom, Benefits, Blog, Budget, Budgeting, budgeting for travel, budgeting my money, budgeting on inconsistent income, budgets, build, business, Career, chance, Clothes, color, company, contractors, cost, Credit, credit card, data, Deductible, deposit, design, Discounts, down payment, driving, Economy, employer, expense, expenses, expensive, Featured, Finance, Financial Wize, FinancialWize, freelance, freelancers, game night, gig, gig economy, goal, good, Graphic, great, gym, gym membership, health, Health Insurance, house, How To, Income, inconsistent income, industry, Insurance, job, jobs, layout, Learn, Life, Lifestyle, Loans, low, Make, making, Mint, mint.com, mobile, money, monthly budgets, More, more money, Moving, new, offer, offers, Other, Personal, personal finance, plan, programs, project, retirement, Review, room, roommate, Salary, save, Saving, savings, Savings Account, Side Hustle, Small Business, Spending, stock, Strategies, stress, student, Student Loans, Style, takeout, tax, tax time, taxes, time, tips, title, Travel, Travel Tips, tuition, white, will, work, workers, working

Mortgage Delinquency Rates Record Low – Is This the Calm Before the Debt Storm?

January 27, 2023 by Brett Tams

Mortgage delinquency rates are at all-time lows, but some key metrics indicate that this might change. Learn more here.
Posted in: Business Tagged: 2, 2016, 2021, 2022, 2023, 30-year, 30-year fixed rate, active, Adjustable Rate Mortgages, affordability, All, all-time highs, apple, ARM, ARMs, asking price, assets, author, balance, Bank, Banking, banks, basic, before, bidding, bidding wars, bills, bond, build, buyers, car, clear, color, Commercial, cost, covid, COVID-19, COVID-19 pandemic, Credit, credit card, Credit Card Debt, credit cards, Crisis, data, Debt, Debts, Delinquencies, delinquencies and foreclosures, Delinquency rate, Economy, equity, estate, expensive, experts, Fall, Family, fed, Federal Reserve, Financial Wize, FinancialWize, fixed rate, Fixed rate mortgage, foreclosure, Foreclosures, fun, funds, Giving, good, graph, great, growth, historical, home, home loans, Home Ownership, home prices, home value, homebuyer, Homebuyers, Homeowner, homeowners, homeownership, homes, household, Housing, housing crisis, Housing market, housing prices, Income, Inflation, inflation rate, Insurance, interest, interest rates, Learn, Legal, lending, list, loan, Loans, low, low mortgage rates, LOWER, making, market, money, More, Mortgage, mortgage cost, mortgage debt, mortgage interest, Mortgage Interest Rates, mortgage loan, mortgage loans, Mortgage originations, MORTGAGE RATE, Mortgage Rates, Mortgages, Move, net worth, new, Originations, Other, ownership, pandemic, paycheck, paycheck to paycheck, payments, Personal, plan, points, Popular, present, pressure, priced in, rate, Rates, Real Estate, Recession, Refinance, relocating, Residential, risk, room, Saving, savings, Sell, selling, single, single-family, soaring, stimulus, Strategies, Style, the fed, time, title, Travel, Treasury, trend, Twitter, under, Unemployment, value, will, work
1 2 … 283 Next »

Archives

  • January 2023
  • July 2022
  • June 2022
  • May 2022
  • April 2022
  • March 2022
  • February 2022
  • January 2022
  • December 2021
  • November 2021
  • October 2021
  • September 2021
  • August 2021
  • May 2021
  • April 2021
  • March 2021
  • February 2021
  • January 2021
  • October 2020

Categories

  • Account Management
  • Apartment Communities
  • Apartment Decorating
  • Apartment Hunting
  • Apartment Life
  • Apartment Safety
  • Auto
  • Auto Insurance
  • Auto Loans
  • Bank Accounts
  • Banking
  • Borrowing Money
  • Breaking News
  • Budgeting
  • Building Credit
  • Building Wealth
  • Business
  • Car Insurance
  • Car Loans
  • Careers
  • Cash Back
  • Celebrity Homes
  • Checking Account
  • Cleaning And Maintenance
  • College
  • Commercial Real Estate
  • Credit 101
  • Credit Card Guide
  • Credit Card News
  • Credit Cards
  • Credit Repair
  • Debt
  • DIY
  • Early Career
  • Education
  • Estate Planning
  • Extra Income
  • Family Finance
  • FHA Loans
  • Financial Advisor
  • Financial Clarity
  • Financial Freedom
  • Financial Planning
  • Financing A Home
  • Find An Apartment
  • Finishing Your Degree
  • First Time Home Buyers
  • Fix And Flip
  • Flood Insurance
  • Food Budgets
  • Frugal Living
  • Growing Wealth
  • Health Insurance
  • Home
  • Home Buying
  • Home Buying Tips
  • Home Decor
  • Home Design
  • Home Improvement
  • Home Loans
  • Home Loans Guide
  • Home Ownership
  • Home Repair
  • House Architecture
  • Identity Theft
  • Insurance
  • Investing
  • Investment Properties
  • Liefstyle
  • Life Hacks
  • Life Insurance
  • Loans
  • Luxury Homes
  • Making Money
  • Managing Debts
  • Market News
  • Minimalist LIfestyle
  • Money
  • Money Basics
  • Money Etiquette
  • Money Management
  • Money Tips
  • Mortgage
  • Mortgage News
  • Mortgage Rates
  • Mortgage Refinance
  • Mortgage Tips
  • Moving Guide
  • Paying Off Debts
  • Personal Finance
  • Personal Loans
  • Pets
  • Podcasts
  • Quick Cash
  • Real Estate
  • Real Estate News
  • Refinance
  • Renting
  • Retirement
  • Roommate Tips
  • Saving And Spending
  • Saving Energy
  • Savings Account
  • Side Gigs
  • Small Business
  • Spending Money Wisely
  • Starting A Business
  • Starting A Family
  • Student Finances
  • Student Loans
  • Taxes
  • Travel
  • Uncategorized
  • Unemployment
  • Unique Homes
  • VA Loans
  • Work From Home
hanovermortgages.com
Home | Contact | Site Map

Copyright © 2023 Hanover Mortgages.

Omega WordPress Theme by ThemeHall