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Debt

Hidden ways credit card debt can cost you money

March 29, 2023 by Brett Tams

Whether you’re new to the credit card rewards space or you’ve used millions of points and miles to travel the globe, there’s a cardinal rule that every rewards enthusiast should follow: It’s essential to pay off your entire credit card balance each month. When you carry an outstanding credit card balance from one month to …
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25 Tax Planning Tips for Now and the Future

March 29, 2023 by Brett Tams

Tax season is the perfect time to plan for your future. Here’s a thorough guide to taxes in retirement to help you.

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‘It doesn’t seem fair’: Why millions of Aussies with student loans are about to be hit with more debt – 9News

March 29, 2023 by Brett Tams

‘It doesn’t seem fair’: Why millions of Aussies with student loans are about to be hit with more debt  9News

Posted in: Savings Account Tagged: 2022, 2023, All, average, balance, banks, borrowing, Breaking News, Broker, brokers, Buying, Children, choice, color, cost, Cost of Living, Credit, credit card, Crisis, data, Debt, debt-to-income, Debts, decades, deposit, Employment, Financial Literacy, Financial stress, Financial Wize, FinancialWize, Free, Giving, good, history, home, home loan, home loans, Income, income level, Inflation, interest, interest rates, job, jobs, language, Life, Live, Living, loan, Loans, Make, making, market, Media, money, More, Mortgage, Mortgage Broker, new, News, office, or, pandemic, place, property, Psychology, Raise, rate, Rates, repayment, return, right, rise, savings, sc, School, second, soaring, social, Social Media, stress, student, student debt, student loan, Student Loans, students, tax, time, victorian, wages, walking, will, working, young, young people

Guide to Estimated Tax Payments

March 29, 2023 by Brett Tams

What Are Estimated Tax Payments?

If you collect a regular paycheck from an employer, then you probably know you have to file an income tax return in April each year. When you’re self-employed or receive income other than employment wages or salary, you might also be responsible for making estimated tax payments. Estimated taxes are an advance payment against your […]

The post Guide to Estimated Tax Payments appeared first on SoFi.

Posted in: Financial Advisor, Money Tagged: 2023, advice, advisor, agi, All, AllY, analysis, app, Awards, balance, Bank, bank account, Banking, Benefits, business, Calculators, Capital Gains, Checking Account, clear, Compensation, cons, contest, Credit, credit card, credits, Debit Card, Debt, deductions, deposit, design, Direct Deposit, display, dividends, earn interest, employer, Employment, Family Finances, faq, FDIC, Fees, Financial Wize, FinancialWize, fixed, freelance, freelancers, General, gig, good, guide, habit, helpful, Housing, How To, HR, Income, income tax, interest, interest rate, interest rates, international, investments, investors, InvestY, irs, Learn, Legal, Life, Links, Live, Local, Make, making, mastercard, math, money, MoneyGen, MoneyLL, More, more money, needs, News, or, Other, party, paycheck, Paying Down Debt, payments, place, Planning, property, pros, Pros and Cons, rate, Rates, Refund, rental, return, right, Salary, save, savings, Savings Account, second, self-employed, Self-employment, Side, Side Hustle, sofi, state tax, Style, suite, tax, tax filing, tax liability, tax planning, tax refund, tax season, tax time, taxable, taxable income, taxes, Terminology, time, tools, under, Unemployment, variable, versus, W-4, wages, Websites, will, work

Mr. Cooper, borrowers settle COVID loss mitigation lawsuit

March 29, 2023 by Brett Tams

A pair of borrowers who sued Mr. Cooper for allegedly steering them away from a pandemic-related loss mitigation plan have reached a settlement with the company, according to court records. James Groves and Judith Bartell-Groves entered into a confidential agreement to resolve their federal lawsuit and related foreclosure case in Ohio, their attorney said Tuesday. … [Read more…]

Posted in: Refinance, Renting Tagged: 2017, Administration, All, Appraisals, ARM, assets, before, borrowers, branding, company, cost, court, covid, COVID-19, Debt, debt collection, Department of Housing and Urban Development, Development, entry, Fees, FHA, Financial Wize, FinancialWize, foreclosure, future, home, homeowners, Housing, Industry News, inspection, interest, interest rate, interest rates, jump, Law, Law and legal issues, lawsuit, loan, loan modification, Loss mitigation, Make, Make Money, Media, money, Mortgage, mortgage documents, mortgage payment, Mr. Cooper, News, offer, Original, pandemic, plan, principal, quality, rate, Rates, Residential, Servicing, settlement, states, structural problems, target, targeting, time, under

Database Mgt., Pre-Funding and Post-Closing QC Tools; NMLS Change? Ag, Non-QM, DSCR, Reverse, Lock Program News

March 29, 2023 by Brett Tams

John F. Kennedy has been gone nearly 60 years, and Jackie Kennedy (Onassis) nearly 30, but the couple still resonates with people. The first home that they owned as a married couple is for sale in Washington DC. If you’re ever in a guessing game about the most expensive places to live in the United States, stick with the safe bets: New York and anything California. Seems the press has latched on to declining home sales, but declining due to high prices, lack of inventory, or lack of buyer’s interest? Other stories indicated increasing home sales, but in certain price ranges, more builder inventory, or continued Millennial first-time home buyer interest? Take your pick. Meanwhile, lenders and originators have their continued regulatory speedbumps. Orrick reports that, “The Conference of State Bank Supervisors (CSBS), on behalf of the NMLS Policy Committee, issued a request for public comments on proposed uniform state licensing standards for mortgage companies. The Proposal: Mortgage Business-Specific Requirements would create a national standard for mortgage industry licensing to help improve uniformity within the state system and streamline the licensing process for mortgagees seeking licensure in multiple states.” (Today’s podcast can be found here and this week it’s sponsored by MGIC. Since 1957, MGIC has insured more than 13.5 million mortgage loans with innovative products, tools and strategies that help customers solve problems and fuel growth. Explore tools and solutions to boost your business here. Listen to an interview with Townstone Financial’s Barry Sturner and Garris Horn LLP’s Richard Horn on the CFPB’s recent judicial failures.)

Posted in: Refinance, Renting Tagged: 1099, 2, 2022, 2023, 30-year, active, actual, advisor, agents, AI, All, allowance, android, app, apple, Applications, Apps, auctions, author, Bank, bank statement, bank statement loans, Banking, banks, Barry Sturner, bedroom, before, Benefits, borrowers, bridge, Broker, brokers, build, builder, builders, Built, business, Buy, buyer, buyers, california, Capital markets, Career, career paths, CFPB, chance, choice, closing, Commentary, Commercial, company, Compliance, condo, correspondent, couple, Credit, Credit risk, credit score, Customer Engagement, Debt, decisions, Delinquencies, Deposits, design, double, dream, DTI, Economy, education, engagement, equity, estate, excellence, expensive, experience, facebook, Fannie Mae, FDIC, fed, Federal Reserve, FHFA, fico, Financial Wize, FinancialWize, first home, first time home buyers, first-time home buyer, floor, Free, funds, gap, Georgia, get started, gift, Google, government, growth, Guaranteed Rate, HELOC, hold, home, home builders, home buyer, home buyers, home loans, Home maintenance, Home Sales, home value, homebuyer, Homebuyers, homeowners, homeownership, homes, house, Housing, Housing market, id, Income, index, indiana, industry, Inflation, interest, interest rate, interview, inventories, inventory, Investor, investors, iOS, iPhone, job, job market, jobs, Land, Learn, legacy, lenders, lending, liquidity, Live, loan, loan officers, loan programs, Loans, locks, low, maintenance, Make, making, manufacturing, market, Marketing, markets, married, MBS, md, Media, meta, millennial, Misconceptions, mobile, Mobile App, model, Monetary policy, More, Mortgage, mortgage loans, Mortgage News, mortgage professionals, Mortgage Rates, mortgage servicing, Mortgages, Most Expensive, Move, MSR, needs, new, new technology, new york, News, NMLS, non-QM, offer, offers, Opinion, opportunity, or, Originations, Other, pa, percent, Personal, podcast, points, poor, portfolio, portfolios, premium, present, price, priced in, Prices, proactive, products, Professionals, programs, projects, property, protect, QC, quality, rate, RATE LOCK, Rates, reach, ready, Real Estate, Real Estate Agents, realtor, Refinance, Regulatory, Relationships, Rent, rental, Rentals, Residential, Revenue, Reverse, reverse mortgages, Review, right, rise, risk, routine, running, safe, sales, Sales Boomerang, second, self-employed, Sell, Senate Banking Committee, Servicing, shares, short, short-term rental, Silicon Valley, silicon valley bank, simple, single, social, Social Media, sofi, Software, states, storage, stories, Strategies, Technology, the fed, time, title, tools, Townstone Financial, traditional, Treasury, Twitter, under, Underwriting, unique, united, united states, update, vacation, value, washington, Washington DC, Webinar, white, will, work, working

Indy Explains: How to buy a house in Nevada – The Nevada … – The Nevada Independent

March 28, 2023 by Brett Tams

Indy Explains: How to buy a house in Nevada – The Nevada …  The Nevada Independent

Posted in: Savings Account Tagged: 2, 2022, 2023, affordable, agent, agents, agreements, All, Amenities, Appraisals, ARM, ARMs, average, Bank, Banking, banks, bedroom, Bedrooms, before, Behavior, Benefits, big, bills, borrowers, Budget, build, business, Buy, buy a home, buy a house, buyer, buyers, Buying, Buying a Home, Buying a house, car, car loans, CEO, chase, coffee, College, color, commission, commissions, company, condo, condos, Consumer Financial Protection Bureau, conventional loan, Conventional Loans, cost, couple, create a budget, Credit, Credit Reports, credit score, credit scores, credit union, Credit unions, data, Deals, Debt, debt-to-income, Debts, decades, decisions, Department of Housing and Urban Development, Development, down payment, Down Payment Assistance, education, equity, escrow, estate, Ethics, expensive, Family, Fannie Mae, federal loans, Fees, finances, Financial Education, Financial Wize, FinancialWize, first home, first-time buyers, First-time Homebuyers, fixed, fixer-upper, flooring, Freddie Mac, Free, Giving, good, government, great, Guild, Guild Mortgage, health, history, hold, home, home buyers, home buying, home inspection, home loan, Home Price, homebuyer, Homebuyers, homeowners, homeownership, homes, house, household, household income, Housing, Housing market, How To, HUD, Income, inspection, inspections, install, Insurance, interest, interest rate, interest rates, inventory, Invest, investment, job, Las Vegas, Legal, legal documents, lenders, lending, Life, Live, LLC, loan, Loans, Local, low, LOWER, maintenance, Make, market, median home price, Medical, medical bills, military, mls, money, monthly budget, More, Mortgage, Mortgage Insurance, mortgage interest, mortgage loans, Mortgages, Move, Moving, multiple listing service, negotiate, Nevada, new, new home, offer, offers, ok, one day, online lenders, opportunity, or, Other, ownership, parents, party, payment history, percent, Personal, pipes, place, plan, PMI, Popular, pre-approval, president, price, Prices, principal, private mortgage insurance, programs, property, property taxes, protection, rate, Rates, ready, Real Estate, real estate agent, Real Estate Agents, realtor, Realtors, Redfin, referrals, renting, Research, Residential, returns, right, room, roommate, rural, sales, san francisco, save, Saving, savings, School, search, second, security, seller, seller's market, selling, Side, single, Sites, social, social security, Spending, stable, states, storage, student, studying, sustainable, tax, tax returns, taxes, teachers, time, tips, title, townhomes, Transaction, trend, trust, trusts, united, united states, value, veterans, veterans affairs, wages, will, work, working, Zillow

Enablement Could Leave you Permanently Footing the Bill for Your Entire Family

March 28, 2023 by Brett Tams

The recession, inflation and COVID-19 have made a bad situation worse. Financial dependency now has aging parents living with their adult children and their adult children footing the bill for their parent’s ill-planned retirement. All while also trying to raise … Continue reading →

The post Enablement Could Leave you Permanently Footing the Bill for Your Entire Family appeared first on SmartAsset Blog.

Posted in: Estate Planning, Financial Planning, Home Repair Tagged: 2, 2017, 2021, 2022, 2023, 429, advisor, aging, aging parents, All, apple, assisted living costs, author, average, Bank, Benefits, Blog, Budget, building generational wealth, Buy, buy a house, categories, Children, College, college education, cost, Cost of Living, covid, COVID-19, Credit, credit card, credits, data, Debt, Demographics, education, entry, estate, Estate Planning, expenses, experience, facebook, Family, finances, Financial Advisor, financial advisors, financial dependency, financial hardship, Financial Plan, Financial Planning, Financial Wize, FinancialWize, Free, future, get started, Google, home, home care, house, household, household income, How To, id, Income, index, Inflation, Insurance, Investing, investment, kids, Life, life expectancy, Lifestyle, Living, Loans, Local, long-term care, long-term care costs, Luxury, Main, Make, making, manage, Media, Medicare, men, meta, modern, money, More, Mortgage, needs, offer, or, organize, Other, parents, pay off student loans, Paying Off Debt, plan, Planning, plans, points, proactive, property, Raise, ready, Recession, reddit, retirement, Retirement Planning, retirement savings, return, right, safe, sandwich generation, save, Saving, savings, security, social, social security, student, Student Loans, Style, survey, tax, tax credits, Technology, tips, title, tools, trends, trust, Twitter, under, women

Why Your Student Loan Balance Never Seems to Decrease

March 28, 2023 by Brett Tams

Woman behind laptop

Does it seem like your student loan balance never gets any smaller? This may ring true if you’re one of the 60% of borrowers who stopped making payments on their federal student loans during the Covid-19-related payment pause. (The moratorium also set the interest rate at 0%.) But even when you start making monthly payments […]

The post Why Your Student Loan Balance Never Seems to Decrease appeared first on SoFi.

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4 reasons store credit cards are (almost) always a bad idea

March 28, 2023 by Brett Tams

Editor’s note: This is a recurring post, regularly updated with new information. “Would you be interested in saving 20% on this purchase by applying for our store credit card?” If you’ve ever done much in-store shopping, you’ve likely heard that offer many times. Retailers often have workers pitch credit card sign-ups at checkout, using discounts …
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