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How much do you need to earn annually to afford a house in Los Angeles?

January 30, 2023 by Brett Tams

You need to make more than $220,000 a year now to afford a house in Los Angeles, thanks to rising mortgage rates and inflation.

Posted in: Spending Money Wisely Tagged: 2021, 2022, ad, affordable, agent, All, average, budgets, Buy, buy a home, buyer, buyers, Buying, california, city, cost, data, estate, expensive, Family, Financial Wize, FinancialWize, Florida, goal, Google, home, home buyer, home buyers, home prices, house, household, household income, Housing, Income, Inflation, Make, making, Miami, More, Mortgage, mortgage payment, mortgage payments, Mortgage Rates, Most Expensive, payments, priorities, quality, Rates, Real Estate, Redfin, Residential, Rising mortgage rates, Salary, san francisco, San Jose, single, story

The 401(a) Plans and Rollover Rules (what you need to know)

January 30, 2023 by Brett Tams

There’s a type of retirement plan that’s in the “401 family” that gets little attention. Maybe that’s because only a relatively small number of employers offer it, even though the number of employees participating in the plan is probably in the millions. It’s called the 401(a) plan, and while it’s much like the 401(k) plan […]

The post The 401(a) Plans and Rollover Rules (what you need to know) appeared first on Good Financial Cents®.

Posted in: Retirement, Starting A Family Tagged: 2021, 2022, 2023, 401(k) plan, 401k, AAMS, Accredited Asset Management Specialist, ad, advisor, All, analysis, assets, author, balance, basics, before, beneficiaries, beneficiary, Benefits, Blog, blue, bond, bonus, book, business, cents, chance, Choices, College, color, Commercial, commission, Compensation, cost, custom, data, death, decision, Deductible, disclosure, dividends, earnings, employer, entry, Family, faq, Featured, Fees, Finance, Financial Advisor, Financial Freedom, Financial Wize, FinancialWize, freedom, fund, funds, General, good, Google, government, great, green, Grow, house, Illinois, Income, income tax, Insurance, insurance premiums, Invest, investment, IRA, IRAs, irs, items, job, layout, Learn, Life, life insurance, list, Loans, Main, Make, married, mess, money, More, new, offer, Other, ownership, payments, pension, Personal, personal finance, plan, planner, Planning, podcast, protection, Purchase, Rates, required minimum distributions, Research, retirement, retirement account, retirement accounts, retirement funds, retirement plan, Retirement Planning, retirement plans, returns, Revenue, right, RMDs, rollover, roth, Roth IRA, Roth IRA conversion, save, School, schools, science, SEC, securities, selling, single, spouse, stable, stock, target, tax, tax rates, taxes, the balance, time, title, traditional, traditional IRA, trustee, under, value, Video, wealth, wealth management, will, withdrawal, work, workers, working, youtube

How Do Savings Bonds Work? Know the Facts and Save Securely

January 30, 2023 by Brett Tams

Savings bonds are securities issued by the US Treasury Department. When a person purchases a savings bond, they are lending their money to the US government, and in turn, earning interest. Savings bonds are low-risk, low-return investment options that mature over a span of time. Since savings bonds are backed by the “full faith and

The post How Do Savings Bonds Work? Know the Facts and Save Securely appeared first on MintLife Blog.

Posted in: Real Estate News Tagged: 2, 2022, advisor, All, app, apple, assets, author, Bank, before, big, Blog, blue, bond, bonds, build, calculator, color, cost, Credit, credit union, custom, data, earning, education, entry, Financial Advisor, Financial Goals, Financial Wize, FinancialWize, fixed rate, goals, Google, government, graph, great, Grow, hold, How To, Income, income tax, index, Inflation, interest, interest rate, interest rates, Invest, Investing, investment, layout, legacy, lending, library, Life, Local, low, Main, Mint, mint.com, money, Money Matters, money moves, More, offer, Other, percent, pretty, property, Purchase, rate, Rates, ready, return, risk, safe, save, Save Money, Saving, Saving 101, savings, savings bond, savings bonds, Savings Goals, scams, securities, SEO, single, state taxes, Style, tax, tax refund, taxes, time, tips, title, tools, Top Tips, traditional, Treasury, Treasury Department, Twitter, value, Video, Ways to Save, Websites, will, woman, work

Reader success story: How this couple used travel rewards to cover an epic $50,000 anniversary trip to Asia

January 30, 2023 by Brett Tams

Today I want to share a story from TPG reader Katie O’Brien, who used points and miles to book a splendid luxury anniversary trip to Southeast Asia. Katie posted her story in the TPG Lounge, and when we saw she used points and miles to book what would have been a $55,000-plus trip, we knew …
Posted in: Moving Guide Tagged: 2, 2023, 429, 457, airfare, Auto, balance, beach, bonus, book, business, chase, chase ultimate rewards, Citi, citi prestige, Citi Prestige Card, citi thankyou, citi thankyou points, Colonial, color, cost, couple, Credit, credit card, data, dream, dream trip, experience, Fees, Financial Wize, FinancialWize, flight, front, fun, fund, Google, guide, hotels, house, international, journey, Luxury, Make, marriage, marriott, miles, new, new york, News, Other, platinum, points, property, rate, Review, rewards, right, room, save, Saving, spa, Spending, story, Style, taxes, Travel, will

What early retirement was like in 1957 (according to Life magazine)

January 30, 2023 by Brett Tams

Sometimes I hit the jackpot in my quest to find old material about retirement and early retirement. Last week, for instance, I was reading Early Retirement Dude’s history of the financial independence movement when he mentioned a Life magazine photo essay about early retirement from February 1957. Say what?

Within minutes, I was reading the article via Google Books. Within an hour, I had ordered not just that issue of Life but three others with retirement articles. Within days, the magazines were on my doorstep. I’m telling you: We live in the future!

Life magazine article on early retirement

Posted in: Retirement, Taxes Tagged: 2, aging, All, apartments, art, beach, before, big, Books, buffett, building, Built, business, Buy, buy a house, california, cats, Children, College, country, data, Early retirement, Earn money, estate, expenses, Family, family life, farm, financial independence, Financial Wize, FinancialWize, Florida, fun, furniture, goal, good, Google, government, history, house, How To, ideas, Income, index, interest, internet, investments, jobs, Law, Legal, library, Life, life magazine, Live, living expenses, Make, making, man, marriage, married, men, money, More, more money, Move, new, office, Other, Personal, Phoenix, photos, pilot, pittsburgh, pool, pressure, products, project, property, Real Estate, Research, research papers, retire early, retirement, return, Salary, savings, Sell, stable, swimming, teaching, time, tracking, trading, traditional, under, vocation, warren, washington, work, working, young

Today’s Refinance Rates: January 30, 2023—Rates Remain Mostly Stable – Forbes

January 30, 2023 by Brett Tams

Today’s Refinance Rates: January 30, 2023—Rates Remain Mostly Stable  Forbes

Posted in: Renting Tagged: 15-year, 15-year mortgage, 2, 2021, 2023, 30-year, 30-year, fixed-rate mortgage, advisor, All, annual percentage rate, apr, ARM, ask, average, before, Borrow, calculator, closing, closing costs, color, commission, commissions, cost, Credit, credit score, Debt, debt-to-income, equity, existing, faq, Fees, Financial Wize, FinancialWize, good, good credit, Google, helpful, home, home loan, homeowners, Housing, Housing market, How To, Income, Insurance, interest, interest rate, interest rates, lenders, Life, loan, Loans, LOWER, Main, Make, market, More, Mortgage, mortgage calculator, MORTGAGE RATE, Mortgage Rates, mortgage refinance, Mortgages, new, News, Other, payments, plan, PMI, principal, private mortgage insurance, questions, rate, Rates, Refinance, refinance your home, refinance your mortgage, refinancing, right, savings, stable, taxes, time, title, VA, VA Refinance, will

Community supported agriculture and tour budget: Is it worth it?

January 30, 2023 by Brett Tams
Fresh vegtables and pasta in a photo illustration

We joined a CSA this year, our first time venturing into the realm of Community Supported Agriculture. I have been intrigued with the concept for several years, as I have friends who rave about their weekly boxes of fresh veggies from a local farm. A special deal popped up in my Facebook feed in late winter and I decided to do it.

We shelled out $475 ($450 for the CSA and $25 one-time delivery fee). The reason I finally took the plunge is because the CSA was coming from a farm in Salem, Connecticut, (about 30 miles from my home) but was being delivered to a farm in our town (about a 7 minute drive up the road). So the convenience factor weighed heavily in the decision.

The $450 applies to a season that started the last week in May and will run through November. That’s 25 weeks, equaling an expense of $18 a week. The box of vegetables provides about 5-10 lbs of produce a week. From May through October we typically shop for veggies and fruits at our local farmers’ markets (we are blessed with several near our home), where we easily spend around $40 a week. The CSA does not include fruit.

Posted in: Personal Finance Tagged: 2, 2016, All, baby, before, Budget, budgets, Buy, Connecticut, cons, Consumerism, Convenience, cost, data, decision, expense, Fall, Family, farm, finances, Financial Wize, FinancialWize, front, Frugality, fruit, Giving, good, Google, grocery, home, house, household, kitchen, Live, Local, Marketing, markets, miles, natural, new, News, Pantry, Parenting, percent, products, pros, Recipes, simple, Spring, states, Style, summer, time, tips, title, tour, town, united, USDA, will, winter

Pros And Cons Of Tiny Houses (Is It Right For You?)

January 30, 2023 by Brett Tams

Wondering what the pros and cons of tiny houses are? Thinking about living small? Tiny homes are becoming more and more popular each year. Plus, there are so many different options for tiny homes. You could live in an RV, boat, van, treehouse, build a small home, and more. After several years of living in […]

The post Pros And Cons Of Tiny Houses (Is It Right For You?) appeared first on Making Sense Of Cents.

Posted in: Home, Money Tips, Travel Tagged: 2, 2023, All, appliances, average, Bank, basement, bathroom, bedroom, Benefits, big, bills, boats, Budget, build, builder, builders, building, building materials, Buy, Buying, cents, Children, Choices, clear, Clothes, Clothing, cons, cost, data, divorce, downsizing, Downsizing your home, eco, eco-friendly, electric, environmentally friendly, expenses, expensive, experience, Fall, Family, Financial Wize, FinancialWize, financing, friendly, fun, garage, Google, great, helpful, home, home builders, homes, horror stories, house, How To, Insurance, items, kids, Learn, learned, less stuff, lessons, Life, list, Live, living with less, living with less stuff, low, LOWER, maintenance, Make, making, mobile, money, More, more money, Mortgage, most popular, Move, Moving, National Association of Home Builders, national parks, new, News, Opinion, Other, Personal, plan, poor, Popular, pros, Pros and Cons, Purchase, quality, questions, rate, restaurants, right, risk, room, running, RV, rv living, save, Save Money, search, Sell, single, single-family, sleep, small house, space, Spending, spouse, square footage, statistics, storage, storage unit, stress, swimming, time, tiny home, tiny homes, title, Travel, under, unique, vacation, vacations, weather, will, windows

How to Travel in Luxury on a Budget

January 30, 2023 by Brett Tams

We all wish that we could pack our bags with the finest outfits, jet off to a private island and dine on 5-star, Michelin-rated food. Unfortunately our bank accounts just don’t have time for that. Lucky for us, there are some great hacks out there that make traveling in luxury a little bit easier for

The post How to Travel in Luxury on a Budget appeared first on MintLife Blog.

Posted in: Apartment Safety, Travel Tagged: 2, 2022, airfare, All, app, ask, author, Bank, bank account, bank accounts, before, best travel, big, Blog, book, Budget, Buy, Buying, car, castle, cheap airfare, cheap flights, Cities, color, cost, country, Credit, credit card, Credit Card Reviews, credit cards, custom, data, Deals, european travel on a budget, expensive, experience, Fall, Financial Freedom, Financial Wize, FinancialWize, flight, food, freedom, fun, funds, goal, goals, Google, great, guide, hacks, hawaii, home, hotels, How To, how to travel internationally on a budget, impact, Instagram, international, internet, language, layout, Life, Live, Local, Luxury, Make, making, Manhattan, Mint, mint.com, mobile, money, More, new, nyc, offer, plan, Planning, Portugal, rate, ratings, Research, restaurant, Reviews, rewards, rewards credit cards, room, safety, save, Saving, savings, single, Sites, Spending, Start Saving, Style, theft, time, timeline, tips, title, tools, tour, Transportation, Travel, travel hacks, travel in luxury, travel in luxury on a budget, travel on a budget, travel rewards credit cards, Travel Tips, Uber, unique, vacation, venmo, Ways to Save, white, will, work

Expensify Review | Simplified Expense Tracking

January 30, 2023 by Brett Tams

Keeping track of expenses can be difficult when you are trying to juggle running a business with all of the administrative tasks that come with it. Receipts can get lost, claims forgotten, and amounts misremembered. Finding the time to dedicate to expenses is difficult, and it is easy to get overwhelmed by all of the […]

The post Expensify Review | Simplified Expense Tracking appeared first on Good Financial Cents®.

Posted in: Mortgage Tips Tagged: 2021, AAMS, Accredited Asset Management Specialist, advisor, All, app, Applications, author, Auto, Bank, before, Benefits, Blog, blue, bonus, book, Built, business, cents, clear, codes, coffee, color, commission, company, cons, Credit, credit card, currency, custom, data, disclosure, eco, eco-friendly, Entertainment, entry, existing, expense, expense tracking, expenses, Featured, Finance, finances, Financial Advisor, Financial Freedom, Financial Wize, FinancialWize, freedom, friendly, General, good, Google, green, hold, hotels, hourly, Illinois, investment, Learn, list, lyft, Main, Make, making, Manage Money, miles, mobile, Mobile App, More, needs, new, offers, Other, party, Personal, personal finance, planner, Planning, podcast, programs, project, pros, Purchase, Rates, Research, retirement, Retirement Planning, returns, Review, right, running, Saving, science, search, SEC, selling, single, smart, Software, tax, tax returns, tax time, taxes, time, tracking, Transaction, Uber, update, vacation, wealth, wealth management, will, work, youtube
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