Financial Wize

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Do you have something that drives you absolutely crazy, even though nobody else is fazed by it? We all do—whether it’s someone taking the last of the coffee without refilling, or seemingly arbitrary office policies. It’s strange when we get angry over nothing… but sometimes it’s also oddly liberating. 

It seems like it’s something different that tips everybody over the edge—so let’s talk about some of the most common things that make us irrationally angry.

1. YouTube Video Recommendations

Photo Credit: Shutterstock.

One user posted, “YouTube recommending videos that don’t start with the first one of a series. Why start on part 6…?”

“YT can’t count. You’ve watched episodes 1, 2, and 3 out of a series? What comes after episode 3? Episode 7, obviously. Next up is episode 21. Followed by episode 2 even though you’ve already watched it. It’s baffling how a simple episode list is beyond YT’s algorithm to understand,” one user replied. 

Another user also commented, “Yeah, but 7 has higher engagement metrics than 4,5, or 6, so YT thinks that is more important than chronology.” 

One responded, “For me it’s the 30s of unskippable ads, followed by another ad 25s into the video.”

2. Motion Sensor Doesn’t Work

Photo Credit: Shutterstock.

One user posted, “When the motion sensor on a paper towel dispenser doesn’t work.”

Another user replied, “I hate it when you have to negotiate to get soap, water and towels but the germaphobe in me really likes not touching anything.”

One user commented, “As a fellow public toilet germaphobe, it shits me to tears when the amenities are designed to be no touch (sensor soap and paper towel etc) and then the door has a handle.” 

Another user stated, “As long as they use real paper towels and not those shitty hand dryers, you can use the towel to grab the door handle. Some places now have the thing at the bottom of the door where you can use your foot. That is also pretty handy. It’s pretty gross though when you see some absolute slob come out of a stall and go right out the door using the handle you have to touch. I wouldn’t describe myself as a germaphobe by any stretch, but there is a level of basic hygiene that everyone should be at.”

3. People who Won’t Let you Merge

Photo Credit: Shutterstock.

One Redditor posted, “When people speed up when I indicate a lane change.”

Another responded, “Omg thank god someone said this. Knew those jerks do that… on purpose lmao.”

One user also commented, “Me too, and I always wondered why they do that.” 

Another Redditor added, “Some people are mean on purpose. Some people aren’t paying attention to their speed and when they notice they’re going slow cuz someone is trying to pass them, they correct.” 

“I get [annoyed with] people who cut me off on the right, while my blinker to change lanes to the right is active and I’m intentionally trying to move over to the slow lane. They’re so eager to pass me that they won’t even let me get over to the slow lane or exit lane. I’m trying to move over, and it’s infuriating,” a user replied. 

4. People who are Confidently Wrong

Photo Credit: Shutterstock.

One user added to the thread, “Overconfident people who are clearly not very bright.”

Another responded, “People that [make up] an answer instead of admitting they don’t know something.”

Another one added, “I agree this is cringe but unfortunately as a medical student, doctors get pissed if I say ‘I don’t know’ to some of their random… questions, so I have to force myself to make up some [crap] instead.” 

“My 11th grade English teacher was one of those teachers. He also got mad at you for making stuff up though and refused to use anything but your full legal name (first and last) but the second you tried to call him Mr instead of professor he’d yell at you and lecture the whole class about respect and if someone has a name/title preference you should accept that so [idk] what his problem was lmao.” 

5. No Headlights in the Rain

Photo Credit: Shutterstock.

One user commented, “Drivers who don’t turn their headlights on when it’s raining.”

Another user added, “Or ones that don’t use turn signals when turning.”

“They use it as they turn instead of before,” one Redditor replied.

Another user responded, “And it always seems to be gray or silver cars that completely blend in with the haze.”

6. Blocking the Grocery Aisle

Photo Credit: Shutterstock.

One Redditor posted, “When people block the entire… aisle with their shopping carts.”

Another user responded, “Lmao my wife gets so pissed when people do this. She literally moves their cart for them.”

One user added, “I do that, too. I’ll pick up the end of their cart and just move it out of the way. Usually people are apologetic about it and I’m outwardly nice to them but I’m always thinking ‘If you’re so sorry why… did you do it in the first place??’”

One user shared, “My grocery store trigger is when someone stops in an aisle to peruse a section, and they leave their cart dead center in the aisle…preferably at an angle to ensure maximum blockage.” 

7.  People Stopping in Busy Stores

Photo Credit: Shutterstock.

One user posted, “Pet peeve… people having friends and family gathering in the busiest intersection in the store right in front of the items everyone needs to get at with their kids running around, and getting in everyone’s way. Not slightly to the side by the frozen dinner entrees, or something, but in the worst imaginable spot impeding every other customer’s ability to get around, and get the stuff they need.”

One added, “I swear lockdown made everyone dumber. People can’t drive [at all] now and it seems to be the social norm to go slow as [heck] down isles and stop I the center of the isle.” 

8. Setting Multiple Alarms

Photo Credit: Shutterstock.

One user added, “My wife’s second and third alarms in the morning when I don’t have to get up for work.”

Another replied, “When you get into bed looking forward to a good night’s sleep, knowing you’ll be getting quite a lot of hours in bed before you have to get up for work the next day, and then what feels like just one blink later…”

One user then asked the OG commenter, “Do you have sleep apnea or insomnia? I’ve got relatives who have one or the other and it doesn’t seem fun. The one with sleep apnea got the CPAP machine and now he can function on 4 hours of sleep whereas before the machine, he would get 8 or so hours of sleep but still be extremely exhausted because his body wasn’t fully going to sleep. I get acid reflux, where if I eat too late I will wake up choking on stomach acid (or just throw up).” 

The OG commenter answered, “I have narcolepsy, but you’re on the right lines yeah.”

9. When your Headphone Cord Snags

Photo Credit: Shutterstock.

One Redditor posted, “Headphone cord snag.”

One user added, “On the kitchen drawer… WHILE I’M COOKING.”

One also shared the same sentiments and replied, “I’m so… angry just reading your comment.”

Another also added, “Similar rage level- you must carry some stuff, you’ve found a way to stack everything securely to carry in one trip. But it requires both hands. You manage to open a door with either your foot or by carefully stretching your fingers…. Then your belt loop/baggy top gets caught on the door handle when you’re almost fully through.” 

10. Printers

Photo Credit: Shutterstock.

One user commented, “Printers. If I plug you in, you should work. WHY YOU NO WORK?!”

“PC Load Letter? What the [heck] does that mean???” one user replied.

Another added, “Sounds like someone’s got a case of the Mondays…”

One user said, “Haha. The cry of the IT guy!!”

Source Reddit.

Image Credit: Shutterstock – Denis Makarenko

Who is one actress you can never stand watching, no matter their role?  After polling the internet, these were the top-voted actresses that people couldn’t stand watching.

10 Actresses People Despise Watching Regardless of Their Role

These 7 Celebrities are Genuinely Good People

Photo Credit: Shutterstock.

We’ve all heard the famous adage that “no publicity is bad publicity,” and while it tends to be accurate, there are certainly exceptions. But what about those few stars who stay out of the limelight and get along without a hint of trouble? 

These 7 Celebrities are Genuinely Good People

Photo Credit: Shutterstock

Have you ever known someone and thought you liked them—until you learned about their hobbies? Then you get to know them and then you’re like, “Wow, red flag.” Well, you’re not alone.

These 10 Activities Are an Immediate Red Flag

Photo Credit: Shutterstock.

Some celebrities definitely seem to enjoy the limelight and keep working to stay in the public eye. While others quickly move out of the spotlight. Many of these actors and actresses stepped out of the spotlight to live a more private life without constant media pressures.

10 Celebrities That Made the Big Times Then Disappeared Off The Face of the Earth

Image Credit: Troma Entertainment

We’ve all been there – sitting through a movie that we can’t help but cringe at, but somehow it still manages to hold a special place in our hearts.

These 10 Terrible Movies Are Still People’s Favorites



About the Author



Source: financequickfix.com

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Are you considering going back to grad school? Have you wondered if the graduate degree you’re looking at will give you a good return-on-investment (ROI)?

It’s important to consider the full cost of graduate school (and its potential impact on your career and earning potential) before you blow $1,000 on test prep, entrance exams, and application fees, and certainly before you send off a deposit and give notice at your job. Our graduate school ROI calculator (below) can give you a sense of what you stand to get (and give up) by going back to school.

What’s Ahead:

How to use the grad school ROI calculator

  • Enter your age.
  • Enter your current salary (so the calculator can include opportunity costs).
  • Enter the total cost of graduate school for one year. Add together the following to get a rough estimate:
    • Total tuition you’ll have to pay at the university of your choice, plus any fees. (This can usually be found on the university’s website.)
    • Your cost for books or other materials. (For an MFA in creative writing, this will be almost nothing; for a law degree, a year of books might set you back $1,800. Do a little searching to find a rough estimate.)
    • Living expenses. (If your plan is to stay in your current city in your current place, your own prior spending should be a rough guide. If your dream school is elsewhere, consider browsing apartment listings and roommate ads to get a sense of how much you’ll have to pay for rent. Then factor in utilities, transportation, food, and entertainment. Your current budget might be an okay place to start, but you should definitely cut costs once you’re in school and living on loans….as this calculator will make clear!)
  • Enter the length of your program (in years).
  • If you want to opt for the advanced settings, enter the amount of student loans you expect to take out, along with the interest rate and term of the loan. Otherwise, we’ll use 6% and 10 years as an average.
  • Enter your expected salary upon graduation. It pays to get specific here: Don’t just look for the average salary for your profession, but for the average salary of that profession in the region you intend to live in. Lawyers in New York make a lot more than lawyers in Tampa. Be sure to use a reasonable first-year salary, not what you hope to make after five or 10 years in the field.

Once you hit submit, we’ll calculate the following:

  • The total cost of graduate school, including opportunity costs, tuition and fees, and loan interest.
  • Your lifetime earnings at your current salary, as well as your lifetime earnings at your projected post-graduate school salary.

Take a look at the lifetime earnings. How big is the difference and is it worth the cost, risk, and effort it takes to go to graduate school.  Keep in mind that things change and nothing is guaranteed.

Also, if you continue to work while in school that reduces your overall costs as well. Perhaps you don’t need to borrow as much, and your opportunity costs will be lower. You’ll still be earning your previous salary while in school, or at least part of it.

Keep in mind that it isn’t always just about the numbers. If a higher degree gets you into a job you love, that’s worth a lot more than just money.

Summary

This calculator can do the math, but of course, you need to look at your whole life to make a decision like this. Continuing to work and live cheaply while in school will help keep costs down and reduce the overall negative impact of going back to school.

But also consider lifestyle, if you need a graduate degree to get your dream job the finances may not matter as much.

Source: moneyunder30.com

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By Peter Anderson 15 Comments – The content of this website often contains affiliate links and I may be compensated if you buy through those links (at no cost to you!). Learn more about how we make money. Last edited February 10, 2020.

When people talk about their investment plans, one of the first topics that invariably comes up is how much they should be investing.  

Should they be investing 5%?

15%?

50% of their income?

Today I thought I’d look at the number that comes up most often as being conventional wisdom for most people when it comes to how much to invest – 15% of yearly income.

Investing 15% Of  Your Income Into Post-Tax And Pre-Tax Retirement

For many folks the discussion of how much to invest is a moot point as they’re still struggling to get rid of debt, and get to the point where they’re able to start saving for their future. 

If you’re beyond that point, congratulations, you should be applauded. 

For me getting to the point where you really start to save and build wealth for your future is so exciting! A variety of financial gurus suggest saving 15% of your household income in good solid long term investments in order to have enough for your future.  

So why is that number brought up?

Why Should I Save 15%?

To give a visual demonstration of why some folks suggest that you save 15% for your retirement, I went to Dave Ramsey’s website and used his investment calculator.    I put  some numbers into the calculator based on these factors:

  • Making $100,000 a year
  • Saving 15%
  • Starting at age 30
  • Saving for 30 years
  • 10% return on the investments

When you put in those numbers above, it comes up with a return of well over 2.8 million dollars by the age of 60.

investing-15-percent1

If you were to keep it going even for 5 more years until the age of 65, the account would grow to over 4.8 million dollars.  That’s not half bad!

So how much money would you really need in order to have a comfortable retirement?  Assuming that you would want 80% of your pre-retirement income to live on as many suggest, and a withdrawal rate of 4% per year and a 30 year retirement, you would need to have about 2 million dollars.

If you invest 15% of your 100k income, that would allow you to withdraw $112,000 a year for 30 years. (which assumes the money would still continue growing at a rate of at least 8% while you are withdrawing) That is 12% more than your pre-retirement income!  4.8 million would allow for $192,000 per year!

Now if you were to invest 10% using the same assumptions you’d end up with substantially less money, 1.5 million over 30 years, and 2.4 million over 35 years. Still not bad, but maybe not as much as you might want to have that comfortable retirement. At the 30 year point you’d have enough to withdraw 60% of your income, and at 35 years you’d have 96% of your pre-retirement income.

All of these numbers are of course assuming that you don’t have money coming from social security.  I have my doubts it will last until my own retirement. That is obviously up for debate, and hopefully the system will be fixed.  But why depend on it if it might not be there?

The point of all this to me is that 15% is usually going to be more than adequate to get you to where you need to be.  10% may not be, depending upon how much of your previous income you want to live on, and how much time you have until retirement.

The longer you have until retirement, the bigger the gains you’ll see through compounding interest! 

Play it safe and start saving 15%.  You won’t be sorry!

Another caveat; if you’re older and have less time until retirement, or if you want to retire early, you may need to be investing a higher percentage than 15%. You started late or want to finish early, so you have some ground to make up!

Starting earlier?  You might not need to invest all of the 10%.  But why not do it anyway!

What Should I Invest In?

Once you’ve decided on how much you want to invest, the next step is to decide on what types of investments you should be holding.  What to invest in will vary greatly on your situation, but here’s what we would do:

  • Company 401k or other plan up to the match
  • Roth IRA for you and your spouse (Where to open a Roth IRA)
  • Back to the 401k or other plan

When choosing what types of funds to invest in I would highly recommend doing your research first, however, for us we prefer investing in low cost index and retirement target funds through companies like Vanguard where the costs remain low (Try a 3 fund portfolio!).

If you want an option that costs a tiny bit more than DIY, but is less work, Betterment or Wealthfront may be good options (after maxing tax preferred investing).

What do you think?  Will 15% be enough for your retirement?  Do you think you should save more or less?

Related Posts

Source: biblemoneymatters.com

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Are you considering term life insurance?

If so, then you are probably considering the amount of time that you should take for the extent of the term. Of the 20, 25 and 30 year term policies, for most people the 25 year term life insurance is going to be the best for the overall benefits.

20 and 30 year term life insurance is generally for more specialized cases and they do have their uses, but 25 year term life insurance fits more people overall, especially younger families who are just starting out, although, they can benefit people in different age groups as well.

Term life insurance is very important to handle the financial burden of a loved one who passes away. The needs of the family are still present when the breadwinner is no longer around.

If you’re like most Americans, if you were to pass away, you would leave your family with thousands of dollars in debt. The majority of families would have no way to pay for all of these unpaid expenses, but that is where life insurance comes in. It can give your family the resources they need to get through this difficult time without adding financial stress.

Choosing the right length for your type of life insurance needs to be geared towards the expected financial burdens which include paying the mortgage, auto loans, and other bills while covering the funeral expenses. It’s important that you find a balance between choosing the right term length and the perfect premium amount.

What follows are the advantages gained from choosing a 20, 30 or 25 year term life insurance policy.

20 year term vs. 25 year term

A 20 year term life insurance policy works well for middle aged and older people in covering the remaining expenses on their mortgages. These are the groups of people that in the next decade, they won’t have any children relying on their income.

Plus, with the children having grown up, making sure that the funeral expenses are covered.

However, a 25 year term policy may be just as beneficial depending on the circumstances, especially if their children have not quite left home yet. Those extra few years can make a difference in terms of coverage.

So, for 20 year term vs. 25 year term, the advantage for most people falls to the 25 year term policies.

25 year term vs. 30 year term

The 30 year term policy is generally more suited for young couples just starting out, especially if they have just purchased their first home on a 30 year mortgage.

This will ensure that if anything were to happen to them, they will be able to pay off the mortgage and not have to worry about losing the roof over their heads.

A 25 year policy is generally more suited for people who have already started paying on their mortgage for a few years or have taken out a shorter-term mortgage.

Again, depending on your circumstances you should choose the policy that extends your coverage just enough past your mortgage and kids growing up and leaving home.

For many, the 25 year term life insurance policy is more than enough while the 30 year term leans more towards longer commitments.

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Expenses

You should not only consider the length of the term life insurance, but the amount as well to cover all of your expenses that incur if the breadwinner of your family should pass away.

These expenses include;

  • Mortgage
  • Funeral
  • Household Bills for the next 6 months
  • Cash reserve for unexpected expenses

These are only a few of the factors that you should consider when deciding how large of a policy you need to purchase.

25 Term Term Life Quotes

Here are some sample quotes on a 25-year term life insurance policy for a female.  It should be noted that not all of the top life insurance companies offers the 25-year option.

Sex AGE $250,000 Term Life Insurance Policy Cheapest Quote 1 Cheapest Quote 2 Cheapest Quote 3
Female 30 Face amount $250,000 SBLI $15/mo Protective $15/mo American General $16/mo

Female 40 Face amount $250,000 SBLI $22/mo Protective $23/mo American General $24/mo

Female 50 Face amount $250,000 SBLI $48/mo Protective $49/mo American General $53/mo

Here’s a screenshot that shows sample quotes for a 25-year term policy for a 30-year-old male.

As you can see, the quotes don’t have banner life insurance company in the mix, but some other great carriers are there.

The final amount should be to cover what you either may not have considered or for unexpected situations such as the family member dying away from home and needing transportation.

All in all, covering your expenses with term life insurance can greatly ease the immediate financial burden and bring about a little peace of mind when it comes to the financial situation.

You should also consider how much income your family would lose if you were to pass away and how would they replace that income? If you’re the main income-earner, your family could struggle to replace your salary. It’s important that your policy gives them enough time to find another source of income.

There is no “magic number”, but most insurance experts suggest that you purchase a policy that is around ten times your annual salary. This will give your loved ones plenty of time to recover and get back on their feet.

With such a large policy, a lot of applicants think they won’t be able to afford a policy that is ten times their salary but don’t worry, in most cases the policy premiums are much cheaper than you might think.

There are several ways that you can get a more affordable insurance policy without having to sacrifice any of the quality or coverage amount. The best way is to compare all of your insurance options before you make a decision. More than likely, the first company that you call isn’t going to have the lowest monthly premiums. Because there are so many companies that sell life insurance, it could take several days for you to call them and receive insurance quotes for your policy. Instead of wasting your time, let us bring the lowest rates to you. Simply fill out the quote form on the side with your information and we will provide you with the best rates.

We are independent agents, which means that we don’t work for one specific company. Instead, we represent some of the best-rated companies across the United States.  Because we don’t work for one company, we are committed to bringing you the best policy to fit your needs, regardless of which company sells it.

Aside from comparing policies, there are several other ways that you can save money on your life insurance policy. One of those ways is to improve your health and kick your bad habits.

After you complete the paperwork for your applications, the company is going to send out a paramedic to complete a simple medical exam. During this exam, the company will look at your basic vital signs, like blood pressure, heart rate, cholesterol, weight, and they will also take a blood and urine sample. The medical exam doesn’t take long, but it will have a huge impact on your chances of being accepted for the policy and how much you’ll pay every month. If you want to save money, take the time to improve your health. If you think that your health is too poor or you have serious health complications, you can always choose a no-exam medical policy. You can get the coverage without the exam, but you will pay more for the plan.

The other sure-fire way to save money is to kick your bad habits like smoking cigarettes. A smoker buying life insurance is going to pay twice as much (sometimes three times as much) regardless of the rest of their health. If you want to get a policy for the most affordable rates, it’s time to kick those bad habits and enjoy some extra money in your pocket every month.

Source: goodfinancialcents.com

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Home Decor Market in the U.S Set to Surpass $158,929.1 million ;

According to a new report published by Allied Market Research, titled, “U.S. Home Decor Market by Product Type, Income Group, Price, Distribution Channel & Category: Opportunity Analysis and Industry Forecast, 2020-2027,” The U.S. home decor market size was valued at $125,813.0 million in 2019, and is estimated to reach $158,929.1 million by 2027, registering a CAGR of 8.0% from 2020 to 2027. In 2019, the floor covering segment accounted for significant contribution in the U.S. home decor market share, and is expected to grow at a CAGR of 8.4% throughout the forecast period.
The U.S. home decor market has witnessed significant growth over the years, and is expected to grow at a steady pace during the forecast period. This is attributed to the fact that market players are focusing on developing eco-friendly products, owing to rise in environment awareness. The floor covering segment occupied the largest share in the overall home decor market in 2019, and is expected to maintain its leading position throughout the forecast period, owing to the wide adoption of floor coverings,

The home decor market in U.S. is driven by surge in disposable income and improvement in living standards. Moreover, the rise in affinity of consumers toward consumer-friendly home décor products are anticipated to boost the demand for home decor products. However, availability of low-quality and counterfeit products and fluctuations in the prices of raw materials used to manufacture these products restrain the market growth. Conversely, surge in demand for trendy and unique furniture is anticipated to provide lucrative opportunities for the U.S. home decor market growth.

Request For Sample :- https://www.alliedmarketresearch.com/request-sample/7140

The U.S. home decor market is segmented based on product type, distribution channel, price, income group and category. Depending on product type, the market is divided into furniture, home textile, and floor covering. By distribution channel, it is fragmented into supermarkets & hypermarkets, specialty stores, e-commerce, and others. Based on the price, the market is segmented into premium and mass. Based on the income group, the market is segmented into lower-middle income, upper-middle income, and higher income. Based on category, the market is segmented into eco-friendly and conventional.

According to the U.S. home decor market analysis the floor covering segment generated the highest revenue in 2019, and is expected to remain dominant throughout the forecast period. The flooring segment is also expected to witness the highest growth rate of 8.4% from 2020-2027.

According to the U.S. Home Decor market forecast based on distribution channel, the specialty stores segment was the highest contributor to the U.S. market in 2019 and is expected to remain dominant through 2020-2027. However, the E-commerce segment is expected to grow at a higher growth rate through the forecast period.

Based on the price, the mass segment was the highest contributor to the U.S. home decor market in 2019 and is expected to remain dominant through 2020-2027. However, the premium segment is expected to grow at a higher growth rate through the forecast period

Based on the income group, the higher income segment was the highest contributor to the U.S. home decor market in 2019 and is expected to remain dominant through 2020-2027. The upper-middle income segment is expected to grow at a notable growth rate through the forecast period.

Based on the category, the conventional segment was the highest contributor to the U.S. home decor market in 2019 and is expected to remain dominant through 2020-2027. The eco-friendly segment is expected to grow at a highest growth rate through the forecast period

Request For Customization :- https://www.alliedmarketresearch.com/request-for-customization/7140

Key findings of the study

The U.S. home decor market was valued at $125,813.0 million in 2020 and is estimated to reach $158,929.1 million by 2027, growing at a CAGR of 8.0% through the forecast period.
Based on product type, the floor covering service segment would witness the fastest growth, registering a CAGR of 8.4% during the forecast period.
In 2019, based on distribution channel, the specialty stores segment held the highest share, accounting for nearly half of the U.S. home decor industry.
In 2019, based on the price, the mass segment was the most prominent segment and is expected to grow at a significant CAGR throughout the forecast period.
Conventional segment was the dominant segment in 2019, accounting for a considerable share in the U.S. market.

Reason to Buy:
✅ Save and reduce time carrying out entry-level research by identifying the growth, size, leading players, and segments in the U.S. home decor market .
✅ Highlights key business priorities in order to guide the companies to reform their business strategies and establish themselves in the wide geography.
✅ The key findings and recommendations highlight crucial progressive industry trends in the U.S. home decor market , thereby allowing players to develop effective long-term strategies in order to garner their market revenue.
✅ Develop/modify business expansion plans by using substantial growth offering developed and emerging markets.
✅ Scrutinize in-depth global market trends and outlook coupled with the factors driving the market, as well as those restraining the growth to a certain extent.
✅ Enhance the decision-making process by understanding the strategies that underpin commercial interest with respect to products, segmentation, and industry verticals.

Buy Now :- https://www.alliedmarketresearch.com/checkout-final/7bae5e49f5f5eca8ac191bd69a42647b

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Source: openpr.com

Apache is functioning normally

Perhaps one of the most confusing aspects of getting a mortgage is knowing who you actually pay once the thing funds. And to that end, when your first mortgage payment is due.

While Bank X may have closed your loan, an entirely different company could send you paperwork and a payment booklet. What gives?

Well, this highlights the difference between a mortgage lender and a mortgage servicer.

Mortgage Lender vs. Mortgage Servicer

loan servicer

  • The bank or mortgage lender processes and funds the home loan
  • Once it closes it may be sold off to a loan servicer or retained in portfolio
  • The job of a loan servicer is to collect monthly mortgage payments
  • And manage escrow accounts if your home loan has impounds

As noted, a mortgage loan servicer, also known simply as a loan servicer, is the company that collects your monthly mortgage payments.

They also manage your escrow account if your home loan has impounds, collecting a portion of property taxes and homeowners insurance each month, before making those payments on your behalf when due.

So really, there’s a good chance you’ll deal with your loan servicer a lot more than your mortgage lender, who may have only been in the picture for a month or so while your loan was originated.

You see, many mortgage lenders focus on loan origination as opposed to servicing, so they’re happy to fund your loan and quickly sell it off for a profit, then rinse and repeat.

The same goes for mortgage brokers, who fund your loan on behalf of a wholesale mortgage lender, which also may sell off the loan to a different servicing company shortly after it closes.

Further complicating all this is the fact that your mortgage lender could also be your loan servicer because some big banks and mortgage companies can profit from it.

One thing mortgage companies figured out in recent years was that keeping in touch with their past customers was a great way to generate repeat business.

But if they sell all their home loans off to other companies, they may lose out if mortgage rates fall and these customers are ripe for a mortgage refinance.

There are also mortgage subservicers, companies that perform loan servicing tasks on behalf of a lender, instead of completing those things in-house.

Anyway, without getting too convoluted here, it’s important to note this distinction between lender and servicer so you know who you’re dealing with.

And to ensure you’re sending monthly mortgage payments to the right place!

What Do Loan Servicers Do?

  • Collect monthly mortgage payments
  • Manage escrow accounts (property taxes and homeowners insurance)
  • Provide customer service if borrowers have any questions
  • Generate loan payoff statements
  • Perform loss mitigation (loan default, loan modifications, foreclosure, credit reporting)
  • Ensure compliance with federal, state, local regulations

The list above should give you a better idea of what loan servicers do, and why banks and lenders may choose to outsource these things.

If you have any questions regarding your home loan post-closing, it’s generally best to get in touch with your loan servicer as opposed to your mortgage broker or lender.

They should be able to answer any questions you have, whether it’s knowing where to send payments, how to make extra payments or biweekly mortgage payments, loan amortization questions, and so on.

Additionally, if having payment troubles in the future, your loan servicer should be the one to call to discuss options.

Remember, the lender is typically just there to help process and close your loan, then hands off the reins to a servicer from there.

Mortgage Servicing Transfers

  • Many home loans are transferred to loan servicing companies shortly after funding
  • You should receive a letter within 15 days of your loan being transferred
  • The new company’s contact information should be prominently displayed
  • It will also include the date when the old servicer will no longer accept payments
  • And the date when the new servicer will start accepting monthly payments

One of the most important things to do after your mortgage closes is to take note of who your loan servicer is.

Unfortunately, mortgage servicing rights are frequently transferred shortly after your loan funds, which can make it confusing to know who to pay.

Add in all the junk mail you might receive as a new homeowner (like mortgage protection insurance) and it could get really murky.

The good news is lenders and loan servicers must adhere to certain rules regarding the transfer of servicing rights.

After your mortgage funds, look out for a letter in the mail from the entity that closed your loan regarding a servicing transfer. You may also receive a letter from your new loan servicer as well.

It should clearly explain who will be processing your mortgage payments going forward, and is required to be sent 15 days prior to your loan’s servicing rights being transferred to the new servicer.

The letter should include all the relevant contact information you’ll need to ensure payments are sent to the right company at the right time.

Take note of when they’ll begin accepting payments, and when the old company will stop accepting payments.

In my opinion, it doesn’t hurt just to call the company and make sure everyone is on the same page before you send your payment, just to avoid a mess.

If you do make a payment mistake, there are some protections in place if it’s within 60 days of the servicing transfer, per the CFPB.

During this time, the new loan servicer can’t charge you a late fee or mark the payment as late if your payment was sent to your old servicer by its due date or within the grace period.

Who Are the Top Mortgage Servicers in the Country?

1. Quicken Loans
2. Regions Mortgage
3. Huntington National Bank
4. TD Bank
5. Chase
6. M&T Mortgage
7. SunTrust Mortgage (Truist)
8. Bank of America
9. Guild Mortgage
10. Citizens Mortgage

Quicken Loans was the highest-ranked mortgage servicer for the seventh consecutive year in 2020, per the latest U.S. Primary Mortgage Servicer Satisfaction Study from J.D. Power.

Both USAA and Navy Federal actually have higher rankings than all the companies listed above, but don’t meet the survey’s award criteria.

In other words, you should have a very good customer experience with those two companies as well.

Who Are the Largest Mortgage Servicers in the Country?

These are listed in alphabetical order since I don’t have figures available to rank them by total servicing volume. But they are some of the largest mortgage servicers in the country.

All of these companies service billions of dollars in home loans for customers, which they either originated themselves or acquired from other banks and mortgage lenders.

If you have a mortgage, there’s a good chance one of the companies on this list handles your loan servicing.

Tip: Always take the time to make sure you’re actually dealing with your loan servicer and not some phony entity.

Source: thetruthaboutmortgage.com

Apache is functioning normally

In 2019, one out of every 100 homes were purchased by an iBuyer, short for instant buyer, per a new report from real estate brokerage Redfin.

While it doesn’t sound like iBuying is catching on, consider the fact that the number is up nearly double from 0.6% in 2018.

And about 10 times higher than it was back in 2016, when virtually nobody sold their home via an iBuyer service.

Also recognize that iBuying at scale is a very novel concept, and a business that big household names have just recently got involved in.

Some of the larger names in the space include Offerpad, Opendoor, RedfinNow, and Zillow Offers.

Simply put, an iBuyer will purchase your home for a fee somewhat similar to what a real estate agent would charge, only to rehab it and list it weeks or months later to a new buyer.

The advantage is you don’t need to find an agent, list it, stage it, hold open houses, and deal with uncertainty from prospective buyers.

In essence, you can consider these iBuyers institutional home flippers.

If they streamline their operations enough to lower costs, they might grow even more popular and eventually displace thousands of real estate agents.

iBuying Most Common in Raleigh

iBuyer share

While iBuyers still account for a tiny piece of the overall pie, they snagged a whopping 7.3% share of home sales in Raleigh, North Carolina last year.

That was nearly double the 3.9% share reported in 2018, a testament to both the viability of iBuying and the good fit cities like Raleigh present to such companies.

Per Redfin chief economist Daryl Fairweather, places like Raleigh are “iBuyer sweet spots” because they are affordable, have newer housing stock, and are easy to price because many of the homes reside in homogeneous tract neighborhoods.

Raleigh is also a city poised to see home price growth, another important detail iBuyers have to consider when looking to turn a profit.

Lastly, it has been a pilot city for many iBuyers, who aren’t live in all cities across the United States just yet.

Similarly hot was Phoenix, AZ, where iBuyers scooped up 5.9% of homes for sale, followed by Charlotte and Atlanta (tied at 5.2%), and Las Vegas (4.1%).

iBuyers had a market share of 3% or more in 11 markets nationally, and at least 1% share in 21 total markets.

Again, because iBuyers haven’t rolled out to all cities nationwide, the numbers are still a bit scattered and lopsided.

In terms of volume, iBuyers purchased the largest number of properties in Phoenix (5,200+), followed by Atlanta (4,300+) and Houston (2,100+).

iBuying Surged in Tucson During the Fourth Quarter

iBuyer market share saw its biggest year-over-year increase in Tucson, AZ, where the number rose from 3.1% of homes in the fourth quarter of 2019 from zero a year earlier.

Again, this may reflect companies moving into new markets, but it also shows how quickly they are gaining traction and beating out traditional agents.

The second biggest increase was in Denver, CO, where the iBuyer share rose to 2.7% from 0.4% the year before.

Despite growing popularity, iBuyer market share did fall year-over-year in select markets, including Las Vegas (-3.4%), Phoenix (-1.2%) and Orlando (-1.0%), compared to Q4 2018.

However, Orlando was the only metro area to see its share fall on an annual basis from 2018 to 2019, declining from 2.6% to 2.2%.

iBuyers Like to Buy Homes on the Cheap

iBuyer median price

As noted, iBuyers tend to be interested in mid-market homes that are easily bought and sold, but there’s still quite a range nationwide.

The most expensive markets in 2019 were Riverside, CA, Denver, CO, and Portland, OR, where these companies purchased homes at a median $391,000, $386,000, and $377,000, respectively.

The cheapest markets included Tucson, AZ, Jacksonville, FL, and Atlanta, GA, where the median was $201,000, $202,000, and $212,000, respectively.

Overall, iBuyers paid a median $269,000 for the homes they purchased, up three percent from 2018, but well below the national median of $306,000 in January.

In every housing market other than Riverside, CA and Orlando, FL, iBuyers paid below the metro-area median.

In terms of unloading the homes once purchased, iBuyers were able to sell homes 15 days faster in 2019 than they did a year earlier, this despite the typical home sale taking two days longer.

iBuyer-owned properties were listed on the market for a median 38 days in 2019, compared to 53 days in 2018.

Meanwhile, a non-iBuyer home spent a median 37 days on the market last year, compared to 35 in 2018.

If iBuyers get better at what they do, it might become a more practical solution for home sellers, assuming these companies pass the savings onto consumers.

Source: thetruthaboutmortgage.com