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What Is a Realistic Rate of Return for Retirement?

March 29, 2023 by Brett Tams

Everyone loves seeing growth in their portfolio. However, a good year of investing doesn’t necessarily indicate a sound long-term investment strategy. Generating sufficient retirement income means planning ahead of time but being able to adapt to evolving circumstances. As a … Continue reading →

The post What Is a Realistic Rate of Return for Retirement? appeared first on SmartAsset Blog.

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Newport Beach battles a new breed of luxury party houses: fractional ownership

March 29, 2023 by Brett Tams

Newport Beach has joined a host of destination cities in California moving to regulate fractional home ownership, in which multiple people own a small share of a neighborhood home that’s used as a vacation property.

Posted in: Spending Money Wisely Tagged: 2, 2023, ad, Administration, Advertising, airbnb, All, art, at home, Austin, beach, bedroom, before, Benefits, beverly hills, boats, business, Buy, buyer, buyers, Buying, ca, california, cape, Cape Cod, Cities, city, cleaning, clear, commission, company, condos, country, couple, court, data, decades, deck, Development, dream, Encompass, estate, existing, experience, Family, Financial Wize, FinancialWize, Fraction, fractional, fractional ownership, front, good, Google, history, home, Home Ownership, homeowners, homeownership, homes, horror story, hours, house, hunting, Income, industry, interest, irvine, lake, lake tahoe, Leaders, Legal, Lifestyle, Live, LLC, LOS, Luxury, maintenance, making, man, manage, market, markets, marriott, mess, mistake, model, modern, Monterey County, More, Move, Moving, neighborhoods, neighbors, new, or, Original, Other, outdoor, ownership, pacaso, paint, palm springs, pandemic, party, place, Planning, president, price, property, Purchase, quality, quiet, Real Estate, real estate industry, Regulation, rental, Rentals, Research, Residential, rich, right, safety, san francisco, second, second home, second homes, Secondary, secondary home, Sell, selling, shares, short, short-term rentals, single, single-family, springs, stake, stories, story, Style, The Neighborhood, time, timeshare, town, traditional, Travel, trend, trust, tv, vacation, vacation rentals, vacations, Video, walking, war, will

Mortgage Rates Continue Drifting Higher

March 29, 2023 by Brett Tams

The week began with a noticeable uptick in mortgage rates relative to last week’s lows.  Today’s momentum continued in the same direction, but with less urgency.  The average lender moved up by 0.06% for a flawless conforming 30yr fixed scenario. Mortgage rates are driven by the constantly-changing prices of mortgage-backed securities (MBS), which are essentially bonds that rely on mortgages as collateral.  The bond market had been doing very well in the midst of the recent banking panic as investors sought safe havens to park cash.  MBS and Treasuries both fit that bill. But as panic subsides, investors have moved cash out of the bond market.  This puts downward pressure on bond prices and upward pressure on yields/rates.  This continues to be the primary source of input for rates, and one that is beginning to settle down.  There is more room for rates to adjust higher if banking concerns continue to subside. 

Posted in: Refinance, Renting Tagged: average, Banking, bond, bonds, facebook, Financial Wize, FinancialWize, fixed, investors, market, markets, MBS, More, Mortgage, Mortgage Rates, Mortgages, panic, park, pressure, Prices, Rates, room, safe, securities

Mortgage rates fall for fourth week in a row – CNN

March 29, 2023 by Brett Tams

Mortgage rates fall for fourth week in a row  CNN

Posted in: Renting Tagged: 2, 2022, 2023, 30-year, 30-year mortgage, affordability, All, Applications, assets, average, Bank, before, betting, bonds, borrowers, borrowing, buyer, buyers, clear, color, Consumers, cost, country, Credit, data, down payment, Economy, expectations, Fall, fed, Federal Reserve, Financial Wize, FinancialWize, first-time buyers, fixed, floor, forecasting, Freddie Mac, George Ratiu, growth, home, Home Price, Homebuyers, homebuying, homes, homes for sale, Housing, Housing market, Housing markets, id, index, Inflation, interest, interest rate, interest rates, investors, job, jobs, Joel Kan, labor market, lenders, loan, low, LOWER, market, markets, MBA, median home price, Mike Fratantoni, money, More, Mortgage, mortgage applications, Mortgage Bankers Association, mortgage market, MORTGAGE RATE, Mortgage Rates, Mortgages, Move, News, or, Other, president, price, Prices, Purchase, rate, Rate Hikes, Rates, ready, realtor, Realtor.com, Research, Sam Khater, short, soaring, Spring, summer, survey, the fed, time, Treasury, Treasury bonds, trends, under, will

Learning from the past: Broker thrives amid market shifts

March 29, 2023 by Brett Tams

Key to the success of the changed focus is a strong database, he said. “That’s another huge thing,” he said. The company’s branding, coupled with a continually updated database have helped navigate through the choppy waters: “And treating people like family has helped,” he added. “We’ve massaged our clients the entire time. “We’ve really worked … [Read more…]

Posted in: Refinance, Savings Account Tagged: 2021, branding, Broker, Buying, Buying a Home, company, Competition, Family, Financial Wize, FinancialWize, good, heat, home, industry, Loans, market, Mortgage, Mortgages, one year, or, Other, Personal, pretty, Purchase, Refinance, Reverse, reverse mortgage, reverse mortgages, Side, time, trends, volume, will

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

March 29, 2023 by Brett Tams

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

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

The Most Beautiful Apartments in Denver

March 29, 2023 by Brett Tams

With its diverse communities, great amenities and stunning views, Denver offers something for every renter.

The post The Most Beautiful Apartments in Denver appeared first on The Rent. Blog : A Renter’s Guide for Tips & Advice.

Posted in: Growing Wealth Tagged: 2023, adventure, advice, aid, All, Amenities, apartment, apartments, art, Beauty, Blog, building, business, ceilings, chairs, choice, city, city life, city park, Colorado, community building, Convenience, cooking, creativity, deck, dining, dream, entertaining, Entertainment, experience, Family, Featured, Financial Wize, FinancialWize, fire, fireplace, fitness, food, foodie, Free, free time, fun, goals, great, Grill, Grilling, guide, gym, hardwood, history, home, hot, hot tub, kitchen, Life, Living, lounge chair, Luxury, luxury amenities, Make, making, market, modern, mountains, Moving, natural, needs, neighbors, offer, offers, office, or, Other, outdoor, outdoors, park, patio, place, pool, property, quality, Relaxation, Rent, renter, renters, room, roommates, search, seating, Side, space, spirit, story, time, tips, Tips & Advice, tv, unique, value, will, winter, working

Best Pots and Pans of 2023 – Expert Reviews and Buying Guide

March 29, 2023 by Brett Tams

Pots and pans are the first step to a sizzling good meal.

The post Best Pots and Pans of 2023 – Expert Reviews and Buying Guide appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.

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SOTM 66: The Road to Economic Recovery in 2021

March 29, 2023 by Brett Tams

Earlier this week, President Biden announced plans to vaccinate 300 million Americans by the end of summer. If successful, we could see rapid economic recovery in 2021. On today’s State of the Market podcast with real estate expert Ari Rastegar, we offer predictions for the U.S. economy this year. We also discuss additional extensions to the eviction and foreclosure moratorium, COVID-19’s impact on commercial construction trends, and more. Don’t miss it!
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Posted in: Small Business Tagged: 2021, Commercial, construction, covid, Deals, Discounts, discover, economic recovery, Economy, estate, eviction, Financial Wize, FinancialWize, foreclosure, foreclosure moratorium, Free, impact, list, market, More, offer, plans, podcast, predictions, president, President Biden, Real Estate, real estate tools, summer, tools, trends

3 Ways to Make Money on Audible Starting Today

March 29, 2023 by Brett Tams

If you’re considering a new side hustle or online business, working with Amazon’s Audible can be a great option — or, rather, several great options. There are multiple ways to earn income through the platform, making it a viable way to bring in extra cash regardless of your background or skill set.  From a modest … Read more

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