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Are You a Points and Miles Hoarder? Here’s How to Get Over It

February 27, 2023 by Brett Tams

Many frequent travelers amass huge piles of travel points and miles, which might sound smart, but it has downsides. Here’s how to break the oversaving mindset.

Posted in: Moving Guide, Travel Tagged: 2, 2022, 2023, accountant, actual, advice, All, analysis, assets, Bank, best travel, Blog, book, build, business, calculator, cents, choice, collecting, comparison shopping, Compound, Compound Interest, cost, Credit, credit card, Credit Card Offers, credit cards, currency, data, decision, Economy, Family, fatigue, Finance, financial independence, Financial Wize, FinancialWize, flight, flights, Giving, good, great, guide, habit, hoarders, hours, How To, Income, Instagram, interest, investment, job, Learn, list, LOWER, Make, making, miles, mindset, money, More, nerdwallet, offer, offers, Other, pandemic, Personal, personal finance, point.me, points, poor, president, programs, Psychology, Purchase, race, retirement, Revenue, reward, Reward Optimization, rewards, save, Saving, search, second, shopping, simple, smart, Spending, time, Travel, Travel Credit Cards, value, wealth

Best Life Insurance Companies 2023

February 14, 2023 by Brett Tams

What are the best life insurance companies in 2019? Find your perfect fit for term, whole and universal life insurance policies, just for starters.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Posted in: Insurance, Mortgage Refinance Tagged: 2017, 2023, 30-year, active, advice, advisor, affordable, air, All, analysis, ask, assets, average, balance, Bank, bank accounts, bed, before, Benefits, big, business, Buy, buy a home, Buying, car, categories, chance, Children, choice, Choices, College, company, Compensation, cons, cost, couch, country, couple, Credit, credit rating, custom, customer service, data, death, death benefit, decisions, evergreen, expenses, experience, experts, Family, farm, Fees, finances, financial stability, Financial Wize, FinancialWize, fraud, Free, Freebies, freelance, Freelance writer, freelancers, good, great, habits, health, healthy, history, hoarders, home, house, How To, Income, Insurance, insurance costs, insurance coverage, interest, investment, job, jump, kids, Life, life insurance, Lifestyle, list, Live, loan, Loans, low, LOWER, Main, Make, making, Marketing, married, Media, Medical, military, millennials, money, More, Mortgage, natural, needs, netflix, new, News, offer, offers, Other, party, payments, penny, permanent life insurance, Personal, personal finances, place, plan, policies, premium, present, pretty, Prices, products, pros, Purchase, questions, rate, Rates, ratings, reach, Research, Review, rewards, save, Save Money, searching, second, SEO, shopping, simple, smoke, spouse, state farm, stories, survey, surveys, tax, term life insurance, time, title, Twitter, types of life insurance, unique, universal life insurance, update, usaa, value, veterans, waiver, whole life insurance, will, woman

47 Home-Based Business Ideas To Start Making Money Now!

February 14, 2023 by Brett Tams

Whether you are looking to quit the daily grind or trying to make extra cash as a way to get out of debt, starting a home business or side hustle can be the ideal way to meet your goals.

The post 47 Home-Based Business Ideas To Start Making Money Now! appeared first on Good Financial Cents®.

Posted in: Mortgage Tips Tagged: 2, 2021, 2022, 429, AAMS, accountant, Accredited Asset Management Specialist, action, actual, ad, Advertising, advisor, affordable, agents, airbnb, Alabama, All, Amazon, Amount Of Money, analysis, app, Apps, Arizona, Arkansas, ask, at home, author, Auto, Backyard, Banking, basement, basic, bathroom, bedroom, before, beginner, big, Blog, Blogging, blue, bonus, book, Books, brokerage, brokerage firms, Budget, budgets, build, building, Bureau of Labor Statistics, business, Business Credit, Buy, Buying, ca, california, car, Career, cars, cats, cents, chance, Checking Account, city, Clean, cleaning, clear, closets, Clothes, collecting, College, color, Colorado, Commercial, Commercial Real Estate, commission, commissions, communication, Community College, commutes, company, Connecticut, construction, cost, country, couple, covid, COVID-19, crafts, creativity, Credit, credit card, Crowdfunding, ct, custom, customer service, data, death, Debt, debt collectors, decision, declutter, Decor, Demographics, design, desk, dining, dining room, disclosure, dogs, doordash, dream, Drivers, driving, Earn money, earning, earning money, Economy, education, Electronics, Emergency, employer, Employment, engagement, Entertainment, Entrepreneurs, entry, environment, estate, event, expenses, expensive, experience, experts, Extra Income, facebook, Family, faq, Featured, Fees, Finance, finances, Financial Advisor, Financial Freedom, Financial Wize, FinancialWize, fitness, flight, flipping, Florida, food, Free, freedom, freelance, Freelance writer, fun, furniture, future, games, garden, gardening, Georgia, Get Out of Debt, get started, Getting Started, gig, Giving, goals, good, Google, Graphic, great, green, Grow, growth, guest, guests, guide, gym, hawaii, helpful, herbs, Hiring, hoarders, hold, home, home business ideas, home buying, home buying process, Home Decor, home inspection, home inspector, home repairs, homeowners, homes, hourly, hours, house, house cleaning, Housing, How To, how to invest, how to invest in real estate, idaho, ideas, Illinois, Income, indiana, industry, inspection, interest, international, Invest, invest in real estate, Investing, investment, Investment Properties, investments, investors, irs, items, job, job market, jobs, kids, landlord, landscaping, language, laundry, Laundry Room, lawyer, Learn, lending, lessons, leverage, Life, list, lists, Live, Living, Local, louisiana, low, lyft, Main, maine, Make, Make Money, make money blogging, Make money online, making, Making Money, market, Marketing, Maryland, Massachusetts, math, md, Media, Medical, Michigan, Miscellaneous, mississippi, missouri, money, montana, More, Move, Music, natural, nebraska, needs, netflix, networking, Nevada, new, New Jersey, new york, new york times, north carolina, offer, office, online business, Oregon, organization, Other, Outsourcing, own business, pandemic, parents, party, passive, passive income, percent, Personal, personal finance, personal finances, Pet, photos, pizza, place, planner, Planning, podcast, points, pool, pretty, products, Professionals, Promotion, proof, protect, Purchase, quality, questions, rate, reach, ready, Real Estate, Real Estate Investing, Recession, referrals, Rent, rental, renting, repair, Research, restaurant, restaurants, retirement, Retirement Planning, return, Review, reward, reward points, rideshare, right, room, running, sabotage, safe, Salary, SBA, scams, schools, science, seasonal, SEC, second, Self-employment, Sell, Sell your stuff, selling, sharing economy, shopping, short, side gig, Side Gigs, Side Hustle, simple, single, Sites, skill, Small Business, Small Business Administration, smart, social, Social Media, Software, South Carolina, south dakota, spa, space, Spare Room, Spending, Spring, stage, Start a Business, starting your own business, states, statistics, stocks, students, Style, survey, surveys, swagbucks, takeout, target, tax, taxes, teaching, Technology, Tennessee, Terminology, texas, The Wall Street Journal, thrift, time, tips, title, tools, tour, trading, Travel, trust, tv, Uber, under, Unemployment, unemployment rate, Utah, VA, vacation, Video, virginia, virtual, virtual assistant, visitor, walking, wall, wants, washington, Washington DC, wealth, wealth management, Webinar, Websites, will, winter, Wisconsin, work, work from home, work out, working, working from home, Yard, youtube

Real Estate Investing in New York

February 12, 2023 by Brett Tams

Today’s guest is Michael Pinter, a friend and investor out of New York. Every market has different challenges to it, and North Eastern markets are no different. In fact, they may present some of the biggest challenges for new investors. Today Michael shares how things are different for investors in New York, from the closing process to marketing differences, overcoming the ‘New York Attitude’, to how things differ with various exit strategies. Ready? Let’s jump into the show!

Posted in: Small Business Tagged: 2, affordable, All, Applications, Appreciate, ask, auctions, average, before, big, Broker, Budget, build, building, Built, bullshit, business, Buy, buy a house, buyer, buyers, Buying, california, car, carpets, chase, Cities, Clean, cleaning, closing, codes, commission, company, complicate, country, couple, Deals, decision, deposit, down payment, driving, earnest money, education, estate, expense, experience, facebook, Finance, Financial Freedom, Financial Wize, FinancialWize, fixed, flipping, foreclosure, foreclosure activity, Free, freedom, gap, get started, Getting Started, Getting Started in Real Estate Investing, Giving, goal, good, Google, great, Grow, guest, Gurus, helpful, hoarders, hold, house, Housing, How To, hunting, inheritance, interest, Interviews, inventory, Invest, Investing, investment, investors, job, jump, kitchen, Lead Generation, Learn, Legal, lessons, library, Life, list, Listings, lists, Live, Living, loan, long island, Make, Make Money, making, Making Money, market, Marketing, markets, married, mindset, minimal, Mistakes, mls, model, money, More, more money, Mortgage, Motivation, Moving, needs, negotiation, new, New Jersey, new york, offer, offers, Oil, opportunity, Other, Out of the House, ownership, paint, parents, pink, place, plan, points, portfolio, present, pretty, Prices, projects, property, questions, ratings, reach, ready, Real Estate, Real Estate Investing, Real Estate Investing Secrets, real estate investor, Real Estate Investors, realtor, Rehabbing, Relationships, rental, rental properties, Research, return, return on investment, right, running, sailing, salaries, sales, scam, second, secrets, Sell, seller, sellers, selling, shares, Spending, states, Strategies, students, Style, texas, The Neighborhood, time, title, title companies, tools, under, Video, wants, Wholesaling, will, work, working, youtube

Price-Shopping, Rewards Programs, and Packing Strategies: How We Saved On Our Move to Nashville

February 3, 2023 by Brett Tams

The following post was sponsored by the GM BuyPower Card from Capital One®. All opinions are my own and not directed by Capital One. To learn more about the GM BuyPower Card, click here. When Mandy and I built our “dream home” many years ago, we thought we would stay there forever. But we all […]

The post Price-Shopping, Rewards Programs, and Packing Strategies: How We Saved On Our Move to Nashville appeared first on Good Financial Cents®.

Posted in: Mortgage Tips Tagged: 2, 2021, AAMS, Accredited Asset Management Specialist, advisor, All, analysis, author, before, big, Blog, blue, book, Built, business, Buy, Buying, capital one, car, cents, Closet, Clothes, color, commission, company, country, couple, Credit, credit card, credit cards, custom, data, Deals, decision, disclosure, Discounts, DIY, dream, dream home, earnings, entry, Family, Featured, Finance, Financial Advisor, Financial Freedom, Financial Wize, FinancialWize, freedom, furniture, future, games, gm, good, Google, great, green, grocery, hoarders, home, Hospitality, house, Illinois, investment, job, kids, Learn, lease, leasing, less stuff, leverage, Life, list, Local, Main, Make, Manage Money, married, miles, money, More, Move, Movers, Moving, moving boxes, Moving Companies, moving out, natural, neighbors, new, new home, Other, packing, Personal, personal finance, planner, Planning, podcast, programs, property, Purchase, quality, relocate, Rent, rental, Research, retirement, Retirement Planning, rewards, rewards credit cards, Rewards Programs, save, Save Money, Saving, savings, Savings Strategies, science, SEC, self-employed, selling, shopping, short-term lease, single, Social Media, storage, Strategies, Tennessee, time, trust, value, wealth, wealth management, will, work, youtube

How to Invest: Tips for Getting Started in 2023

January 24, 2023 by Brett Tams

Making money on the market is very different in 2019 from years ago. Here’s what you need to know about how to invest, from DIY brokerage accounts to robo-advisors and more.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Posted in: Frugal Living, Investing Tagged: 2, 2023, 4%, 401(k) plan, 529, Acorns, active, advice, All, Amazon, app, Apps, art, assets, average savings, Bank, bank account, banks, bar, basic, before, big, bills, bitcoin, bond, bonds, brokerage, brokerages, build, building, business, Buy, calculator, Capital Gains, capital gains taxes, Career, cars, CD, CDs, clear, College, commissions, company, Compound, Compound Interest, cost, cryptocurrency, currency, Debt, deposit, diversification, diversify, dividends, DIY, down payment, Earn money, earning, equity, Essentials, estate, ETFs, evergreen, expense, expensive, experience, experts, Featured, Fees, finances, Financial Goals, Financial Wize, FinancialWize, food, Freebies, freelancers, fun, fund, funds, General, get started, Getting Started, Giving, goals, gold, good, Google, government, green, Grow, growth, guide, health, Health care, health savings accounts, historical, history, hoarders, hold, home, Home Ownership, house, How To, Income, income tax, index, industry, Inflation, interest, interest rate, Invest, Investing, investing apps, investing in the stock market, investment, investment apps, investment portfolio, investments, investors, IRA, irs, job, Learn, lgbt, loan, low, LOWER, Main, Make, making, Making Money, market, Medical, money, money market, money market accounts, More, Morgan Stanley, Morningstar, mutual funds, needs, offer, offers, Original, Other, ownership, passive, passive income, Personal, plan, planner, portfolio, products, property, Property Investments, Purchase, rate, Real Estate, Real Estate Investing, repub, Research, retirement, retirement accounts, retirement savings, returns, risk, robo-advisor, robo-advisors, roth, Roth IRA, safety, save, Save Money, Saving, saving money, savings, Savings Account, Savings Accounts, searching, securities, Sell, SEO, shares, Short Story, single, Spending, stock, stock market, stocks, story, tax, taxes, Technology, The Stock Market, timeline, tips, traditional, traditional IRA, Travel, Treasury, treasury bills, under, unique, vehicles, virtual, wages, wall, wealth, wealth management, will, work

What is a Professional Decluttering Business? 8 Reasons It’s Time to Invest in One

January 21, 2023 by Brett Tams

We all need help with our homes sometimes. Here’s where to start!

The post What is a Professional Decluttering Business? 8 Reasons It’s Time to Invest in One appeared first on The Rent. Blog : A Renter’s Guide for Tips & Advice.

Posted in: Growing Wealth Tagged: advice, All, apartment, ask, baby, before, Blog, business, clear, Closet, clutter, containers, decision, declutter, decluttering, digital world, Family, Financial Wize, FinancialWize, garage, great, guide, health, Hiring, hoarders, home, homes, How To, interview, Invest, items, job, kitchen, Life, Lifestyle, Make, mental health, mess, messy, More, Move, Moving, needs, netflix, new, new job, organization, organize, organizing, Other, Pantry, project, projects, reduce clutter, referrals, Rent, Seniors, single, specialty, stress, survey, tips, Tips & Advice, tools, will, work, working

How to Stop Impulse Buying and Hold Onto Your Money

January 10, 2023 by Brett Tams

Impulse buying can wreak havoc on your bank account. Here’s how to cut that mindless shopping habit out of your life.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Posted in: Budgeting, Frugal Living Tagged: advice, All, Amount Of Money, apartment, app, Apps, ask, at home, balance, Bank, bank account, before, Behavior, Books, Budget, Budgeting, Buy, Buying, clear, coffee, company, cost, Credit, credit card, Deals, death, Debit Card, Debt, education, Entertainment, Essentials, evergreen, experience, Family, finances, Financial Goals, Financial Wize, FinancialWize, flight, Freebies, freelance, freelancers, fun, General, Get Out of Debt, Giving, goal, goals, good, Graphic, grocery, habits, health, higher education, hoarders, home, How To, interest, inventory, job, kids, kitchen, Life, Lifestyle, lists, Make, making, money, More, more money, Motivation, new, offer, offers, online purchases, Other, Paying Off Debt, Personal, photos, Psychology, Purchase, Relationships, repub, restaurants, Review, save, Save Money, savings, shopping, Spending, starbucks, stock, Strategies, studio apartment, target, vacation, will, woman, working

How Much Do You Really Get if You Win the Powerball?

January 8, 2023 by Brett Tams
How Much Do You Really Get if You Win the Powerball?

So, who wants to be a billionaire? There have been nearly 40 Powerball drawings in a row with no grand prize winner, so Saturday night’s jackpot has ballooned to $1.6 billion. That’s the all-time record. Now, as professional Penny Hoarders, we generally advise against spending your hard-earned money on lottery tickets. (Invest it instead!) Your […]

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Posted in: Money Basics Tagged: 2, 2016, accountant, All, before, business, Buying, company, Convenience, cost, Financial Wize, FinancialWize, Freebies, fun, goals, hoarders, home, Income, income tax, Income Taxes, Invest, Investing, job, Make, Miami, money, More, Personal, Popular, save, Save Money, Spending, state taxes, states, tax, taxes, wants, washington

What to Do When Your Tenant is a Hoarder!

June 29, 2022 by Brett Tams

“Terry” was my first hoarder client. About 50 years old, he worked as a custodian at a high school in a small town not far from where I was living at the time.

He was a genuinely nice guy and proud of his collection of washing machines from the 1940s onward.  

  • SEE MORE The Myth of Passive Real Estate Investing

Now, “collectibles” to some people are pure junk to others. To Terry’s neighbors, his front and backyard, as well as the inside of his rented home had become a dangerous junkyard, complete with rats and other vermin that freely roamed the property.

The place was overflowing with, not just washing machines, but broken-down cars, airplane parts, toilets, sinks, you name it. In those years, he was known as a junkman. Today he would be called a hoarder.

He had received and ignored notices from his town’s code compliance officers to remove the items, and especially the things that made entry or exit from his home dangerous. With few window coverings, the home’s interior was visible, piled to the ceiling with “stuff.”

His wife and children were living in dangerous conditions that Terry did not acknowledge. With the assistance of code compliance, they and their landlord arranged for a meeting at my office to work out a clean-up plan with Terry – or he would face prosecution.

I was asked to drive Terry to my office. In reality, behind my back, during our lengthy afternoon meeting, Terry’s wife – with the enthusiastic approval of the landlord – had embarked on something like an intervention. Later she told me: “I hired a disaster restoration company and told them to remove every last piece of junk from inside and outside the home. Anything of value was purchased by a scrap dealer.”

The crew did such a good job that when I drove Terry home, it took a few minutes before we could find his house! 

I have to admit that it made me happy to see this crap gone and a bit of sanity restored to his family and the neighborhood. Terry got into therapy and did not repeat his hoarding behavior. He was lucky as there is a high relapse rate among hoarders.

But this was well before the psychology of hoarding became widely understood. Today, if the same things happened, some poor landlord – driven out of his mind by the insanity of having a hoarder as a tenant – could wind up being sued.

Hoarding Is Protected as a Mental Illness

Once called “junkmen,” hoarders – whom landlords and officials agree pose major risks to the health and safety of not only themselves, but their families, neighbors and communities – are viewed as suffering from various forms of mental illness. This means hoarders are generally protected under the Americans with Disabilities Act.

  • SEE MORE Worried Your Neighbor’s Tree Will Fall on Your Property?

“This is why it is so important for landlords and property managers to have proper language in their rental agreements that covers these types of tenants and scenarios,” San Diego attorney Evan Walker points out.

Rent Pro, based in Lancaster, N.Y., recommends that landlords consider adding what is called a housekeeping addendum to their rental leases in states where it is permissible. The addendum outlines the standards tenants are expected to meet, including such stipulations as:

  • Floors should be clean, clear, and free of hazards that could lead to a trip and fall injury.
  • Trash should be disposed of properly and not left in the unit.
  • The entire rental unit should be free of anything that contributes to rodent or insect infestation.
  • The kitchen should be kept clear of spoiled food and grease. Appliances should be kept clean.
  • Pathways to front and back doors must be clear from furniture, appliances and debris.
  • Front and back yards should be free of debris, trash, old furniture and appliances.
  • Porches should be free of living room-type furniture.
  • Parking lot/space should be free of grease and oil. Inoperative automobiles must be removed. No repairs of automobiles are allowed on the premises.

Violating these terms will subject the tenant to eviction.

“State law requires landlords to maintain habitable dwellings, and also requires tenants to keep their units clean and sanitary, disposing of garbage properly, avoiding excessive clutter and not damaging the property or using the premises in an improper way.” Walker said. “So, when you are on notice that the tenant’s ‘stuff’ is blocking exits or doorways, interferes with ventilation or sprinkler systems, and attracts pests because of improper food storage – to list just a few – this could be a hazard for other tenants, and could be considered as a violation of the rental agreement and, likely, state law.   

“At this stage, contact the tenant, point out what you have seen, and politely – but firmly – indicate that if the problem isn’t resolved, you may have to file an eviction suit. Be sure you can prove that you have brought these items to the tenant’s attention.”

How to Build Your Case Against a Hoarder

Pasadena, Calif., property manager Jon Anthony Dolan says: “Document everything! If the tenant will not respond appropriately and clean up the mess, you may have no choice but to evict them. So, begin preparing for the possibility now and document your correspondence with the tenant and keep detailed, chronological records. This means taking videos, photos, detailed notes which establish a record of the property’s condition. This material is critical to prove your case.”

You must be able to prove that notice to cure the tenant’s breach has been provided. Do this with a certified letter or with a letter hand-served on the tenant, and if no one comes to the door, have it posted on the front door, with photos taken. It is important to follow your state’s rules for Service of Process just to be sure you can establish giving the tenant every possible opportunity of curing the breach.

Important: You Are NOT Evicting Because They Are a Hoarder!

Dolan stressed the importance of understanding what you are NOT evicting them for. “You are not evicting them because they are a hoarder, because if you use that language, it is a violation of Fair Housing laws, since mental illness is a protected class.

“In addition to a possible violation of the rental agreement, often the hoarding behavior can be seen as a nuisance to other tenants if it substantially interferes with their use of the property. For example, filth that creates a pest infestation, and clutter in common areas can create accessibility issues for EMS personnel.”

Walker strongly recommends retaining experienced landlord-tenant counsel, “as hoarders are among the most difficult of tenants. They may be unlike any tenant you will ever have, and the risks of being sued for violating their rights are very real.”

  • SEE MORE How to Grow Your Wealth Like the Real Estate Moguls Do
Posted in: First Time Home Buyers Tagged: accessibility, advice, agreements, appliances, Automobiles, Backyard, build, california, cars, Children, Clean, clear, clutter, education, entry, estate, eviction, experience, fair housing, Fall, Family, Financial Wize, FinancialWize, food, fraud, front, front door, furniture, General, Giving, good, Grow, health, hoarders, home, Housing, items, job, kitchen, landlord, landlords, language, Law, Leases, list, mess, More, neighbors, offers, office, Other, photos, points, property, property managers, Psychology, rate, Real Estate, Real Estate Investing, rental, safety, School, sinks, stage, states, storage, tenant, The Neighborhood, town, under, washing, wealth, will, work, work out
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