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financial hardship

Top 5 Problems With the Unemployment Rate

March 24, 2023 by Brett Tams

The unemployment rate gets plenty of media coverage. This ratio represents the percentage of people in the labor force without jobs who’ve been actively looking for work within a four-week period. Many people believe that it’s a good indication of … Continue reading →

The post Top 5 Problems With the Unemployment Rate appeared first on SmartAsset Blog.

Posted in: Financial Planning, Unemployment Tagged: 2, 2016, 2022, 429, advisor, All, apple, author, Banking, before, Blog, BLS, brooklyn, build, Bureau of Labor Statistics, business, Career, categories, cost, Credit, data, Debt, Economy, entry, experts, facebook, Fall, Featured, Finance, finances, Financial Advisor, financial advisors, Financial Goals, financial hardship, Financial Plan, Financial Planning, Financial Wize, FinancialWize, food, Free, General, Georgia, get started, gig, goals, good, Google, guide, historical, id, index, interview, job, jobs, jobs report, labor market, Learn, low, Main, Make, market, measure, Media, meta, money, More, News, or, Other, Paying Off Debt, Personal, personal finance, place, plan, Planning, points, policies, productive, property, quality, rate, ready, reddit, retirement, right, Saving, Saving for Retirement, skill, social, statistics, Style, survey, taxes, time, tips, title, tools, Twitter, Unemployment, unemployment rate, wages, work, workers, working

Delinquency rate for mortgage loans on the rise – MBA

February 24, 2023 by Brett Tams

“As expected, the overall national mortgage delinquency rate increased in the fourth quarter of 2022 from its previous quarterly survey low,” said Marina Walsh, vice president of industry analysis at MBA. “The weaker economy and ongoing inflationary pressures contributed to the uptick in delinquencies. The delinquency rate – while still low – increased from the … [Read more…]

Posted in: Refinance, Savings Account Tagged: 2, 2022, All, analysis, average, Breaking News, Delinquencies, Delinquency rate, Distressed, Economy, Employment, equity, financial hardship, Financial Wize, FinancialWize, foreclosure, Free, Hiring, historical, home, home equity, homeowners, industry, Interviews, jobs, labor market, loan, Loans, Loss mitigation, low, Make, Marina Walsh, market, MBA, Mortgage, mortgage loans, News, president, rate, rise, statistics, survey, Unemployment, unemployment rate, updates, will

How to Master the Art of Delayed Gratification

February 23, 2023 by Brett Tams

When it comes right down to it, what is the true key to financial success? You could argue that the key is getting enough marketable skills to be able to earn a decent income. Or that the key is to consistently track your monthly spending in a budget spreadsheet. Or you could even argue the […]

The post How to Master the Art of Delayed Gratification appeared first on Good Financial Cents®.

Posted in: Retirement, Starting A Family Tagged: 2, 2021, Advertising, All, analysis, Appreciate, art, author, Auto, Bank, bank account, big, Blog, blue, Budget, car, car loan, Career, cents, Checking Accounts, color, commission, Credit, custom, data, Debt, decision, deposit, disclosure, diversity, down payment, entry, experience, experts, Fall, Finance, finances, financial hardship, Financial Wize, FinancialWize, food, Free, front, fund, funny, future, Getting Out of Debt, goal, goals, good, Google, great, green, habit, health, hold, home, homes, How To, ideas, Income, industry, Invest, Investing, investments, IRA, kids, kitchen, Learn, Life, Links, list, Living, loan, Loans, Main, Make, md, Media, mindset, money, More, Mortgage, new, new home, new york, new york times, one day, orange, Other, Personal, personal finance, personal finances, personality, place, Planning, Purchase, quality, questions, Relationship with money, Research, restaurant, restaurants, retire early, retirement, Retirement Planning, Review, reward, rewards, right, roth, Roth IRA, Saving, saving money, shopping, short, Spending, spreadsheet, student, Student Loans, The Wall Street Journal, time, tips, title, tools, tricks, trust, under, value, wall, will, work, working

Financial Hardship Loans: What Are They and How Can You Apply?

February 23, 2023 by Brett Tams

What Are Hardship Loans and How Do They Work?

Some people may have emergency savings to dip into or family or friends who can help them out if the unexpected happens. But for those who can’t access such resources, help may come in the form of a hardship loan, a type of loan offered to help people get through financial challenges, such as unemployment […]

The post Financial Hardship Loans: What Are They and How Can You Apply? appeared first on SoFi.

Posted in: Financial Advisor Tagged: 401(k) hardship withdrawal, All, AllPar, AllStud, annual percentage rate, apr, ask, balance, Bank, before, bills, Borrow, borrowing, Budgeting & Goals, calculator, Cash-Out Refinance, chance, childcare, clear, communication, Credit, Credit Bureaus, credit card, credit cards, credit history, Credit Report, credit score, Dads, death, Debt, decision, display, Emergency, employer, equity, expectations, expenses, Family, FDIC, Finance, finances, financial hardship, financial help, financial tips, Financial Wize, FinancialWize, financing, fire, fixed, flood, food, funds, General, goals, good, government, groceries, Grow, HELOC, HELOCs, history, home, home equity, home equity line of credit, home equity loan, house, household, Housing, HR, interest, interest rate, interest rates, investors, late payments, Learn, Legal, lenders, lending, Life, line of credit, list, loan, loan interest, Loans, LOWER, Make, making, Medical, medical bills, Medical debt, money, More, Mortgage, mortgage payments, Move, needs, new, NMLS, offer, offers, opportunity, Other, P2P Lending, p2p loan, P2P loans, party, payments, peer-to-peer lending, Personal, personal finance, personal loan, Personal Loans, personal_loan, plan, PLGen, products, programs, property, rate, Rates, reduce expenses, referrals, Refinance, refinancing, Rent, repayment, retirement, retirement account, retirement goals, retirement plan, RETUPD, right, savings, single, single parent, social, sofi, space, SpendPL, Strategies, Style, TAXUPD, the balance, time, tips, traditional, Transportation, under, Unemployment, unique, utilities, value, variable, Websites, will, withdrawal, work

Texas judge says CDC eviction ban is “unconstitutional”

February 22, 2023 by Brett Tams

The Centers for Disease Control and Prevention’s moratorium on evictions has been ruled unconstitutional by a federal judge in Texas, paving the way for evictions in the state to resume. The ruling could also set a legal precedent and have a sweeping effect on housing providers across the U.S., ABC News reported. Under the moratorium, […]

The post Texas judge says CDC eviction ban is “unconstitutional” appeared first on RealtyBizNews: Real Estate Marketing & Beyond.

Posted in: Paying Off Debts Tagged: 2021, All, author, before, coronavirus, covid, COVID-19, COVID-19 pandemic, decision, estate, eviction, eviction ban, eviction moratorium, evictions, Featured News, financial hardship, Financial Wize, FinancialWize, forest, Georgia, government, health, history, Housing, jobs, Joe Biden, landlords, Law, lawsuit, Legal, louisiana, Marketing, measure, Mortgages, News, Other, pandemic, president, President Joe Biden, property, property managers, protect, Real Estate, Real Estate Marketing, Residential, resume, safety, Tennessee, texas, title, unconstitutional, under, US Real Estate

Current Investment Property Mortgage Rates Today – Business Insider

February 21, 2023 by Brett Tams

Current Investment Property Mortgage Rates Today  Business Insider

Posted in: Renting Tagged: 2023, All, author, average, bold, borrowers, borrowing, Broker, business, Buy, buyers, Buying, calculator, Calculators, color, commission, Conventional Loans, cost, Credit, credit score, credits, data, Debt, debt-to-income, down payment, DTI, equity, estate, existing, experts, Fall, faq, FHA, FHA loan, Finance, financial hardship, Financial Wize, FinancialWize, Free, General, HELOC, home, home equity, home equity loan, homebuyer, homes, How To, impact, Income, index, interest, interest rate, investment, Investment Properties, investment property, Learn, lenders, lending, Live, loan, Loans, low, LOWER, Main, Make, module, money, More, more money, Mortgage, mortgage calculator, Mortgage Rates, mortgage rates today, Mortgages, new, offers, Other, Personal, place, Planning, principal, Product Reviews, property, Purchase, questions, rate, Rates, Real Estate, Rent, renting, Reviews, risk, save, Saving, savings, second, second home, second homes, shopping, short, single, states, time, VA, VA loan, vacation, vacation home, will, work, Zillow

The Best Tiny-House Loans of 2023 – Picks by Bob Vila – Bob Vila

February 19, 2023 by Brett Tams

The Best Tiny-House Loans of 2023 – Picks by Bob Vila  Bob Vila

Posted in: Savings Account Tagged: 2, 2022, 2023, actual, ad, advice, affordability, affordable, AI, All, Amenities, analysis, annual percentage rate, app, apr, ask, Auto, average, bad credit, Bank, bank accounts, banks, before, borrowers, brick, build, builder, builders, building, business, Buy, buyers, Buying, calculator, car, Checklists, choice, clear, closing, color, company, cons, construction, Consumers, Convenience, cost, Credit, credit repair, credit score, credit scores, Credit unions, data, Debt, debt-to-income, decision, down payment, entry, equity, existing, expensive, experience, Featured, Fees, Finance, financial hardship, Financial Wize, FinancialWize, financing, friendly, funds, good, great, helpful, home, home builders, home buyers, home equity, home equity line of credit, home equity loan, home loan, home loans, home purchase, Homeowner, homes, hours, house, How To, impact, Income, interest, interest rate, interest rates, job, Land, Learn, lenders, Life, line of credit, list, loan, loan approval, Loan Limits, Loans, Local, low, LOWER, Make, mobile, Mobile App, money, More, Mortgage, mortgage lenders, Mortgages, needs, new, new home, offer, offers, online lenders, Origination, Other, payments, peace, percent, Personal, personal loan, Personal Loans, place, points, products, programs, pros, protection, Purchase, questions, rate, Rates, repair, Research, Revenue, right, risk, room, RV, RV loans, save, savings, search, searching, second, shopping, single, Small Business, sofi, student, time, tiny home, tiny homes, title, title search, tools, traditional, unique, updates, will, work

Weaker economy, inflation caused mortgage delinquency uptick in Q4

February 17, 2023 by Brett Tams

Mortgage delinquency rate rose to 3.96% in Q4, due in large part to issues caused by a weaker economy and ongoing inflationary pressures.

Posted in: Mortgage, Mortgage Rates, Real Estate Tagged: 2, 2022, 2023, All, analysis, average, black, Black Knight, borrowers, bucket, Conventional Loans, Delinquencies, Delinquency rate, Distressed, Economy, Employment, equity, Fall, FHA, FHA loan, financial hardship, Financial Wize, FinancialWize, Forecasts, foreclosure, Hiring, historical, home, home equity, home prices, homeowners, impact, industry, Inflation, interest, interest rates, job, job market, jobs, loan, Loans, Loss mitigation, low, LOWER, Marina Walsh, market, MBA, MBA forecasts, Mortgage, Mortgage Bankers Association, mortgage loans, Mortgage Monitor Report, Mortgage Rates, points, president, Prices, rate, Rates, Real Estate, Residential, stage, survey, Unemployment, unemployment rate, VA, VA loans, value, will

Why bankruptcy should be your last resort

February 16, 2023 by Brett Tams

A few years ago, I was at my lowest point financially. I was looking for a solution to rise above the financial crises I was experiencing and trying to find a way to keep my home out of foreclosure. I decided to contact a few agencies and a couple lawyers who all encouraged me to claim bankruptcy and start anew. The second lawyer sold me the bankruptcy dream, and I left his office with a sigh of a relief and plans to return with a $2,500 check to get my life back.

But I kept on researching; and I began to realize that, instead of being a quick fix, bankruptcy was a solution with a seven-to-10-year financial hardship to endure after that. I decided that would actually keep my life on hold instead of letting me start anew.

If you are thinking about going in this direction, please also give the following some consideration.

Posted in: Debt, Personal Finance Tagged: 2, All, ask, assessment, assets, bad credit, bad credit score, balance, bankruptcy, before, bills, Buy, Buying, buying a car, car, choice, Choices, Clean, cost, couple, court, Credit, credit cards, Credit Report, Credit Reports, credit score, creditors, data, Debt, Debts, decision, divorce, downsizing, dream, education, expense, expenses, experience, Family, fico, fico score, financial hardship, Financial stress, Financial Wize, FinancialWize, fire, foreclosure, funds, future, gift, good, Hiring, hold, home, improvements, interest, interest rates, job, lawyer, lawyers, lenders, lending, Life, Live, Living, loan, Loans, low, LOWER, Make, making, Medical, medical expenses, money, More, natural, negotiating, offer, office, Other, payments, percent, Personal, place, property, protect, protection, Purchase, Raise, Rates, reach, rental, rental property, renting, Research, return, rise, risk, save, savings, Savings Account, second, selling, society, states, stories, stress, student, Student Loans, survey, taxes, time, title, will

7 Ways To Save Money On Your Mortgage

February 15, 2023 by Brett Tams

Your mortgage payment is most likely your largest monthly expense. But there are ways you can decrease…

Posted in: Market News, Roommate Tips Tagged: 2, 30-year, 30-year fixed rate, actual, affordable, assessment, balance, before, Blog, borrowers, calculator, down payment, escrow, existing, expense, Fees, financial hardship, Financial Wize, FinancialWize, fixed, fixed rate, Fixed rate mortgage, goal, home, homes, Insurance, interest, interest rate, keywords, lenders, Life, loan, loan modification, loan programs, Local, low, LOWER, Make, making, manage, money, More, Mortgage, mortgage payment, Mortgage Rates, new, Other, payments, percent, Personal, plan, PMI, principal, private mortgage insurance, programs, property, property taxes, rate, Rates, ratings, Refinance, refinance your mortgage, refinancing, Reviews, save, Save Money, Saving, savings, Savings Account, separate accounts, target, tax, taxes, timing, tips, Tips & Advice, value, Ways to Save, will, Zillow, zillow mortgage marketplace, Zillow.com
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