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Smart Money: Are CDs Worth It, and Managing a Life-Changing Windfall

March 20, 2023 by Brett Tams

In this episode of the podcast, the hosts discuss whether CDs are a good option and then talk with a listener about how to manage a financial windfall.

Posted in: Moving Guide, Personal Finance Tagged: 2, 2016, 2022, 2023, accountant, active, advisor, affordable, All, Amount Of Money, apartment, Appreciate, Apps, ask, assets, average, balance, Bank, Banking, beach, before, big, Blog, brokerage, bucket, build, building, business, Buy, buy a home, buy a house, buyers, Buying, buying a car, Buying a house, california, car, car prices, Career, CD, CDs, certificate of deposit, choice, Choices, company, cons, conversions, cost, couple, Credit, credit card, Credit Card Debt, credit score, credits, currency, data, Debt, Debts, decision, decisions, Deductible, deposit, depression, desk, diversification, dividends, divorce, down payment, driving, education, efficient, Emergency, Emergency Fund, Employment, energy, Entertainment, environment, equity, estate, event, EVs, existing, expensive, experts, Extra Money, Fall, Family, Federal Reserve, federal student loans, Finance, Financial Advisor, Financial Goals, Financial Wize, FinancialWize, financing, fixed, Foreclosures, Free, Fresh start, fun, fund, funny, future, General, get started, Giving, goal, goals, good, government, great, growth, Guaranteed Rate, habits, health, Health and Wellness, hold, home, Home Price, home prices, Home Values, Homebuilders, Homeowner, homeowners, house, Housing, Housing market, housing prices, How To, humor, improvement, Income, industry, Inflation, interest, interest rate, interest rates, Invest, Investing, investment, investments, investors, IRA, IRAs, job, lenders, Life, list, Live, Living, Liz Weston, loan, Loans, low, LOWER, Main, Make, making, man, manage, market, markets, memories, mental health, millennial, mistake, money, money goals, More, more money, Mortgage, Motivation, Move, Moving, moving in, moving out, National Association of Realtors, nerdwallet, new, offer, ok, opportunity, or, Other, out of state, pandemic, parents, park, paycheck, Paying Down Debt, payments, peace, percent, personal finance, photos, place, plan, Planning, podcast, pretty, price, Prices, priorities, private student loans, products, pros, Pros and Cons, questions, Raise, rate, Rates, ready, Real Estate, Realtors, Recession, Refinance, refinancing, Relationships, Rent, rental, Research, retirement, retirement account, retirement accounts, retirement savings, return, returns, Review, right, rise, risk, roth, Roth IRA, Roth IRAs, safe, Salary, san francisco, save, Saving, Saving for Retirement, savings, Savings Account, Savings Accounts, School, second, securities, security, Sell, selling, short, Side, Side Hustles, single, smart, Smart Money, space, Spending, stable, stage, Start Saving, statistics, stock, stock market, stocks, student, student debt, student loan, student loan debt, student loan payment, Student Loans, tax, tax brackets, tax credits, the balance, The Stock Market, the west, time, timing, tips, town, traditional, traditional IRA, under, used car, vacations, vehicles, versus, wealth, wellness, West Coast, will, windfalls, work

10 Fun Facts About Nashville, TN: How Well Do You Know Your City?

March 20, 2023 by Brett Tams

Discover 10 fun facts about Nashville, TN! From hot chicken to the Batman Building, learn more about Music City’s rich history and unique culture.
Posted in: Market News, Paying Off Debts Tagged: 2, 2023, All, Appreciate, Architecture, art, bar, Blog, book, brick, building, Built, Buy, buy a house, chicken, city, College, Community College, condo, construction, country, design, discover, education, festival, Financial Wize, FinancialWize, food, fun, General, germantown, great, higher education, history, home, Hospitality, hot, house, Housing, Housing market, impact, interest, July 4th, Learn, Live, Living, making, market, More, Move, museum, Music, offers, or, Other, place, Planning, Popular, programs, Redfin, Redfin.com, reminder, replica, restaurants, rich, spirit, stage, story, Style, Tennessee, unique, war, white, will, work

Lenders lower rates as home loan growth dips | Mint – Mint

March 19, 2023 by Brett Tams

Lenders lower rates as home loan growth dips | Mint  Mint

Posted in: Savings Account Tagged: 2, 2022, 2023, agent, All, app, Bank, Banking, banks, before, book, borrowers, borrowing, Buy, buy a house, Cities, clear, color, company, Competition, cost, Credit, credit score, data, Development, estate, Fall, Finance, Financial Services, Financial Wize, FinancialWize, funds, growth, home, home loan, home loans, home purchases, Homebuyers, house, Housing, housing development, housing finance, impact, Income, income tax, industry, Industry News, interest, interest rate, interest rates, lenders, lending, Live, loan, Loans, low, LOWER, market, Mint, More, Mortgage, Mortgage Rates, new, News, offers, or, Other, points, pretty, Prices, property, rate, Rate Hikes, Rates, Real Estate, sales, selling, tax, time, updates, value, will

Applying for Your First Mortgage Loan – FDIC

March 17, 2023 by Brett Tams

Applying for Your First Mortgage Loan  FDIC

Posted in: Savings Account Tagged: 2, 2022, About Mortgages, adjustable rate mortgage, Administration, affordable, Amount Of Money, ARM, ARMs, ask, Bank, bank account, before, borrowers, business, Buy, buy a home, buy a house, buyers, Buying, Buying a Home, CFPB, choice, closing, closing costs, color, Consumer Financial Protection Bureau, Consumers, conventional loan, Conventional Loans, cost, couple, Credit, credit history, Credit Report, credit score, deposit, down payment, Down payments, escrow, event, FDIC, Fees, FHA, Financial Wize, FinancialWize, first home, first-time buyers, fixed, fixed rate, Fixed rate mortgage, Free, funds, future, General, good, government, guide, helpful, history, home, home search, homes, house, Housing, How To, how to save money, ideas, inspection, Insurance, interest, interest rate, interest rates, investment, items, Learn, lenders, lending, loan, Loans, low, LOWER, Make, money, More, Mortgage, mortgage lending, mortgage loan, mortgage payment, mortgage payments, Mortgages, Move, Moving, negotiate, News, offer, or, Other, payments, plan, points, price, principal, property, property tax, property taxes, protection, Purchase, Quotes, rate, Rates, ready, repayment, retirement, retirement accounts, returns, right, save, Save Money, savings, search, selling, shopping, Shopping for a mortgage, smart, stage, states, story, target, tax, tax returns, taxes, time, tips, title, title search, united, united states, update, USDA, VA, veterans, veterans affairs, will

I’ve Got $420,000 in Savings: Is That Enough to Retire On?

March 17, 2023 by Brett Tams

One of the most common, and complicated, retirement questions has always been, “Will I have enough?” Here’s how to make sure.

Posted in: Mortgage News Tagged: 2023, advice, All, average, bequest, big, Big Picture, blueprint, building, business, Buy, buy a house, choice, College, commission, Debt, discover, Early retirement, Emergency, Emergency Fund, fiduciary, finances, Financial Plan, Financial Wize, FinancialWize, first job, foundation, Free, front, fund, future, goals, good, great, Grow, Happiness, house, How To, Inflation, Investing, investment, Investor, job, learned, Life, Make, making, market, millennials, money, More, needs, net worth, offers, or, plan, planner, Planning, present, products, questions, reach, retirement, retirement plan, retirement savings, right, sales, Saving, savings, second, security, selling, single, social, social security, Spending, stake, Start a Business, stock, stock market, survey, The Stock Market, time, trust, Vanguard, will, woman, workers, wrong

APR (Annual Percentage Rate) — What It Is & How to Calculate

March 14, 2023 by Brett Tams

Have you ever wondered what an APR really is? Learn how to calculate it and — most important — how to use it to compare the cost of credit.
Posted in: Credit 101 Tagged: 2, 2023, active, Advertising, All, annual percentage rate, apple, apr, ATM, author, average, bad credit, balance, balance transfer, Balance Transfers, Bank, Banking, banks, basic, before, big, bills, Borrow, borrowers, borrowing, borrowing money, Budget, build, Buy, buy a house, buyers, Buying, calculator, car, car loans, cash advance, casino, choice, closing, closing costs, Clothes, co-signer, color, Compound, Compound Interest, compounding, Compounding Interest, consolidating debt, cost, couple, Credit, credit card, credit card issuer, credit cards, credit history, credit score, credit scores, crime, data, Debt, decision, decisions, double, Economy, existing, expensive, Family, Federal funds rate, Fees, Finance, Financial Services, Financial Wize, FinancialWize, financing, fixed, fixed rate, formula, fund, funds, future, gas, General, Giving, goals, good, good credit, groceries, history, home, home loans, house, How To, HR, impact, Income, industry, interest, interest rate, interest rates, investment, items, Land, Law, Learn, lenders, lending, Life, list, loan, Loans, low, LOWER, Make, Make Money, making, market, math, max out, Media, Mistakes, money, More, more money, Mortgage, mortgage loans, Mortgages, Move, Moving, multiple offers, multiply, needs, negotiate, new, offer, offers, one year, Origination, Other, Paying Down Debt, payments, penny, Personal, Personal Loans, pets, points, present, pretty, principal, programs, Purchase, questions, rate, Rates, Refinance, refinancing, repayment, Research, Reviews, rewards, Rewards Programs, right, risk, save, Save Money, Saving, saving money, savings, Savings Accounts, second, seller, shopping, short, short-term loans, simple, single, social, Style, the balance, time, title, unsecured loans, update, value, variable, Weird, will, work

Smart Money: How COVID-19 Changed Our Finances — and Our Advice

March 13, 2023 by Brett Tams

NerdWallet writers discuss how COVID-19 changed the way we manage and talk about money in this roundtable episode of the Smart Money podcast.

Posted in: Moving Guide, Personal Finance Tagged: 2, 2017, 2021, 2022, 2023, 30-year, 30-year mortgage, accommodations, advice, affordable, All, Amazon, Amenities, Apps, ask, assets, at home, Bank, basic, basics, bedroom, before, Behavior, Benefits, bidding, bidding wars, big, Blog, boring, brokerage, brokers, build, Bureau of Labor Statistics, business, Buy, buy a house, buyer, buyers, Buying, Buying a Home, car, Cities, Closet, commissions, commute, cost, country, couple, covid, COVID-19, COVID-19 pandemic, crash, Crisis, crowds, currency, data, decisions, design, desk, discover, doors, Dorm Room, down payment, earning, Economy, Emergency, Emergency Fund, entertaining, Entertainment, ETFs, eviction, evictions, existing, existing home prices, expenses, expensive, experience, Extra Money, Fall, Family, fed, Federal Reserve, Finance, finances, Financial advice, Financial Wize, FinancialWize, fixed, floor, Florida, foreclosure, Foreclosures, foundation, Free, front, fund, funds, funny, future, gardening, Gen Z, General, good, government, great, groceries, growth, habits, health, hindsight, hold, home, home buyers, home office, home offices, home prices, homeowners, homeownership, homes, homes for sale, hot, house, Housing, housing boom, Housing market, How To, impact, Income, index, index funds, industry, Inflation, inherited, inspections, interest, interest rate, interest rates, inventory, Investing, investment, investments, investors, job, job market, jobs, journey, jump, kids, labor market, Land, landlords, landscaping, Layoffs, Learn, learned, lessons, Life, Lifestyle, Live, low, Low inventory, LOWER, Make, making, man, manage, market, markets, Media, memories, millennials, mobile, money, More, more money, Mortgage, Mortgage Rates, mountains, Move, movies, Moving, Music, needs, nerdwallet, new, News, north carolina, offer, office, Offices, open concept, opportunity, Other, pandemic, panic, parents, patience, patterns, paycheck, payments, peace, percent, Personal, personal finance, place, plan, plans, podcast, points, predictions, president, President Biden, pretty, price, Prices, questions, quiet, rate, Rates, ready, Recession, reddit, Refinance, Refund, Rent, renter, renting, restaurants, retirement, retirement accounts, retirement funds, Review, reward, right, room, rural, sales, save, Saving, saving rate, savings, Savings Account, securities, Sell, selling, shopping, short, shortage, shutdown, smart, Smart Money, space, Spending, spending habits, Spring, stage, states, statistics, stimulus, stock, stock market, stocks, stories, Strategies, suburbs, tax, tax refund, texas, thankful, the fed, The Stock Market, the west, time, timing, timing the market, town, trading, traditional, Travel, trends, tv, TV Shows, Unemployment, unemployment rate, value, volatility, wages, washing, washington, weather, West Coast, will, work, workers, working, wrong, young, young adults

How to buy a home with a low credit score – Fox Business

March 10, 2023 by Brett Tams

How to buy a home with a low credit score  Fox Business

Posted in: Savings Account Tagged: 2, 2022, Administration, All, average, bad credit, balance, Bank, bankruptcy, before, bills, Borrow, borrowers, borrowing, build, business, Buy, buy a home, buy a house, buyers, Buying, Buying a Home, car, closing, closing costs, color, cons, conventional loan, Conventional Loans, cost, Credit, credit card, credit limit, Credit Report, Credit Reporting, credit score, credit scores, credit utilization, credit utilization ratio, ct, Debt, debt-to-income, disclosure, down payment, Down payments, DTI, Employment, equity, estate, event, expensive, Family, Featured, Fees, FHA, FHA loan, FHA loans, fico, fico score, Finance, finances, Financial Wize, FinancialWize, fixed, fixed rate, foreclosure, Freddie Mac, Free, funds, getting a mortgage, goal, good, good credit, government, great, guide, HELOC, history, home, home buying, home equity, home equity line of credit, home equity loan, home loan, home loans, home purchase, homebuyer, Homebuyers, homebuying, homeowners, house, Housing, How To, improve your finances, Income, Income verification, Insurance, interest, interest rate, interest rates, late payments, Legal, lenders, lending, Life, line of credit, loan, Loans, low, LOWER, Make, making, manage, market, Media, money, More, more money, Mortgage, mortgage interest, mortgage lenders, mortgage loans, mortgage payment, Mortgages, multiply, needs, new, new home, NMLS, non-Qualified Mortgage, offer, offers, Operations, opportunity, Other, pay bills, payment history, payments, Personal, PMI, poor, premium, price, principal, private mortgage insurance, products, programs, pros, Purchase, rate, Rates, Real Estate, real estate market, Refinance, refinance your mortgage, returns, Review, risk, rural, save, self-employed, Sell, shopping, spouse, student, Student Loans, tax, tax returns, time, timeline, tools, traditional, under, unique, USDA, usda loans, VA, VA loan, VA loans, value, versus, veterans, will

Today’s national mortgage & refinance rates, March 8th, 2023 … – Bankrate.com

March 10, 2023 by Brett Tams

Today’s national mortgage & refinance rates, March 8th, 2023 …  Bankrate.com

Posted in: Savings Account Tagged: 15-year, 15-year mortgage, 2, 2022, 2023, 30-year, 30-year fixed mortgage, 30-year mortgage, 30-year, fixed-rate mortgage, actual, All, ARM, ARM mortgage, ARMs, assumptions, average, Bank, before, Benefits, bidding, big, Borrow, borrowers, Budget, build, Buy, buy a house, buyers, Buying, Buying a Home, clear, College, color, Compound, cost, Credit, credit score, Crisis, data, Debt, debt-to-income, decades, down payment, DTI, economic recovery, Economy, equity, expenses, expensive, Featured, fed, Federal Reserve, financial crisis, Financial Wize, FinancialWize, fixed, Free, fund, goals, good, good credit, good credit score, home, home repairs, homeowners, homeowners insurance, homes, house, Housing, Income, Inflation, Insurance, interest, interest rate, interest rates, investment, Jumbo loans, Jumbo mortgage, Learn, lenders, lending, Life, loan, Loans, low, low rates, LOWER, maintenance, market, money, monthly budget, More, Mortgage, mortgage interest, mortgage loans, MORTGAGE RATE, Mortgage Rates, mortgage refinance, Mortgages, most popular, multiple offers, offers, Other, pandemic, payments, percent, plan, points, Popular, price, Prices, principal, property, property taxes, questions, rate, Rates, ready, rebound, Refinance, retirement, retirement accounts, return, return on investment, rising prices, running, save, Saving, second, Sell, shortage, Spending, story, taxes, the fed, time, traditional, trends, tuition, value, versus, war, Which Mortgage, will

Is Now a Good Time to Buy a House? Here Are Some Questions to Consider

March 8, 2023 by Brett Tams

Double-check your budget and make sure you can actually afford the mortgage.

Posted in: Moving Guide Tagged: 2, 2021, 2022, 2023, 30-year, 30-year mortgage, Administration, agent, All, average, bedroom, before, Borrow, Budget, Buy, buy a home, buy a house, buyer, buyers, Buying, Buying a Home, Buying a house, city, company, condo, cons, Consumers, Conventional Loans, cost, couple, Credit, credit card, Credit Card Debt, credit limit, credit score, credit scores, data, Debt, decision, decisions, double, down payment, Down payments, dream, equity, estate, evergreen, exercise, expenses, experts, Fannie Mae, Federal Reserve, Fees, FHA, FHA loan, FHA loans, finances, Financial Plan, Financial Wize, FinancialWize, First-time Homebuyers, fixed, front, future, General, good, good credit, history, hoa, HOA Fees, home, home prices, home purchase, Home Purchase Sentiment Index, Home Values, homebuyer, Homebuyers, Homeowner, homeowners, homeowners insurance, house, Housing, Housing market, housing prices, How To, impact, index, industry, Inflation, Insurance, interest, interest rate, interest rates, job, kids, lenders, Life, Live, loan, Loans, low, LOWER, maintenance, Make, making, manage, market, married, Midwest, military, monthly expenses, More, Mortgage, mortgage interest, Mortgage Interest Rates, mortgage payment, mortgage payments, Mortgage Rates, Move, Moving, moving in, National Association of Realtors, new, new home, new york, new york city, Other, payments, penny, Personal, photography, place, plan, Planning, PMI, policies, porch, premium, price, Prices, principal, private mortgage insurance, property, property tax, property taxes, pros, Purchase, questions, rate, Rates, reach, ready, Real Estate, real estate agent, real estate market, Realtors, Recession, Refinance, renter, right, rural, sales, san francisco, savings, seller, short, single, stable, story, survey, tax, taxes, Tennessee, time, traditional, under, USDA, usda loans, VA, VA loans, versus, veterans, veterans affairs, will, woman, work, workers
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