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River cruise packing list: What to pack when traveling by riverboat

March 22, 2023 by Brett Tams

You booked your river cruise, and the departure date approaches. Now you’re panicking about what to pack. You want to pack light, given you won’t have much space in your cabin to store bulky suitcases. However, you also want to be prepared with the right clothing and gear for changeable weather on the river, visits …
Posted in: Moving Guide Tagged: 2, 2023, 429, 457, accent, active, affordable, All, Amazon, ask, Auto, baseball, basic, bathroom, beds, before, bicycles, big, Bike, biking, bills, Books, Borrow, breakfast, bugs, cabin, cabins, choice, city, climate, closets, Clothes, Clothing, codes, color, couple, currency, data, deck, dining, eco, eco-friendly, Electronics, Entertainment, estate, Europe, experience, Financial Wize, FinancialWize, Free, friendly, gifts, great, guests, guide, Guides, hot, hours, ice, items, job, lamps, Land, laundry, list, Local, Luxury, Make, men, minimal, mississippi, Mistakes, More, movies, Music, News, offer, one day, or, Other, packing, packing list, pink, plan, Planning, Popular, prep, prescriptions, proof, protect, protection, Real Estate, Reviews, right, river, room, rural, second, short, Side, simple, single, Sites, snow, souvenirs, space, states, storage, stories, stress, Style, summer, Tennessee, time, tipping, tips, Travel, under, united, united states, vacation, walking, weather, wi, Wi-Fi, will, women

The Best Week to List Your House for Sale in 2023

March 21, 2023 by Brett Tams

Planning to sell your home? Find out when four factors come together to make for the optimal selling conditions.

Posted in: Moving Guide Tagged: 2, 2021, 2023, average, before, buyer, buyers, couple, Danielle Hale, Financial Wize, FinancialWize, home, home sellers, home shoppers, homeowners, homes, homes for sale, house, interest, interest rates, list, Listings, Make, market, Mistakes, More, old home, Planning, price, Prices, Rates, ready, realtor, Realtor.com, Research, search, Sell, sellers, selling, Side, single, soaring, Spring, survey, time, will, workers

7 Reasons Americans Seniors Stay Frugal in Retirement

March 21, 2023 by Brett Tams

Many folks do not abandon their penny-pinching ways after they stop working.
Posted in: Taxes Tagged: 2, 2021, 2022, All, assets, building, business, cost, couple, Crisis, data, decision, Emergency, Emergency Fund, estate, Estate Planning, Federal Reserve, financial well-being, Financial Wize, FinancialWize, fire, frugal, fund, gay, goal, good, great, guide, habits, health, heirs, How To, Income, Inflation, job, Learn, legacy, lessons, Life, Living, Make, man, Mistakes, money, monkey, More, new, new job, News, offers, ok, or, outdoors, panic, patio, paycheck, penny, plan, Planning, Prices, protect, reach, Research, retirees, retirement, right, rising prices, running, save, Saving, savings, security, Seniors, social, social security, Spending, spending habits, Spending Less, Style, survey, surveys, taxes, time, tips, will, woman, workers, working

Widespread Chemical May Increase Parkinson’s Disease Risk

March 18, 2023 by Brett Tams

Scientists link a chemical used in dry cleaning and coffee decaffeination to the world’s fastest-growing brain condition.

Posted in: Moving Guide Tagged: 1970s, 2023, air, Applications, Clean, cleaning, coffee, energy, Financial Wize, FinancialWize, government, home, hypothesis, industrial, international, Medical, military, Mistakes, More, needs, new, new york, or, Other, outdoor, paint, present, protect, remediation, risk, single, Sites, states, toxic, workers

Wells Fargo agrees to $3.7 billion settlement with CFPB over consumer abuses – CNBC

March 18, 2023 by Brett Tams

Wells Fargo agrees to $3.7 billion settlement with CFPB over consumer abuses  CNBC

Posted in: Savings Account Tagged: 2, 2016, 2022, action, Applications, assets, Auto, auto loan, Auto Loans, Bank, bank accounts, bank of america, Banking, banks, borrowers, business, cars, CEO, CFPB, charlie, chase, Checking Accounts, clear, cnbc, color, company, Compensation, Consumer Financial Protection Bureau, Consumers, Credit, Credit unions, Crisis, data, expense, expenses, experience, fed, Federal Reserve, Fees, Financial Wize, FinancialWize, Foreclosures, funds, future, goal, growth, history, homes, Insurance, interest, Investing, investors, JPMorgan Chase, Legal, list, loan, Loans, Mistakes, More, Mortgage, mortgage loans, mortgage servicing, Mortgages, Moving, News, or, Other, overdraft fees, payments, products, protection, Refund, Regulatory, remediation, resolution, rise, Rohit Chopra, san francisco, Servicing, settlement, shares, speculation, taxes, the fed, u.s. bank, under, vehicles, Video, wall, Wall Street, wells fargo, will, work, working

1078: The Psychology of Sales With Scott Harris

March 15, 2023 by Brett Tams

Buying or selling a home isn’t just a transaction to your clients; that’s why you, as their Realtor, shouldn’t treat it that way. On today’s podcast with Scott Harris, we discuss why real estate is a people-first business and how treating it as such will increase your sales and success. Scott also covers how a psychology degree can help you close more deals, shares ways to avoid burnout in a busy industry, and offers tips to help your business hit the next level.

Posted in: Small Business Tagged: 2022, agents, big, book, boston, building, Built, burnout, business, Buying, Children, city, communication, Deals, decades, dream, estate, facebook, Financial Wize, FinancialWize, Finding home, football, good, Grow, guests, guide, home, homes, How To, ideas, industry, Instagram, leadership, Learn, learned, Life, Links, list, Live, Manhattan, market, Marketing, Mistakes, More, Music, new, new york, new york city, offers, place, podcast, proof, property, Psychology, questions, Real Estate, real estate industry, realtor, Residential, Review, running, sales, School, selling, Selling a Home, shares, short, Side, Style, tips, tour, Transaction, trends, trust, Twitter, upper west side, value, volume, will, work, working, young

Q&A: Rep. French Hill on the aftermath of Silicon Valley Bank’s failure

March 15, 2023 by Brett Tams

WASHINGTON — Rep. French Hill, R-Ark., who has long been one of Republicans’ leading voices on bank policy, played a leading role in Congress as the events of weekend around the failures unfolded.  Hill and the top Republican on the House Financial Services Committee, Rep. Pat McHenry of North Carolina, briefed the party’s lawmakers in … [Read more…]

Posted in: Refinance, Renting Tagged: 2023, All, Arkansas, balance, balance sheet, Bank, Banking, banks, big, bills, business, CEO, clear, Commercial, Community banks, company, cost, Crisis, debate, decades, decision, Democrats, deposit, FDIC, FDIC insurance, fed, Federal Reserve, financial crisis, Financial Services, Financial Wize, FinancialWize, fund, government, growth, history, house, House Financial Services Committee, How To, hypothesis, industry, Insurance, insurance coverage, interest, interest rate, interview, job, learned, Legislation, lessons, Media, Mistakes, Move, News, north carolina, party, Personal, premium, quality, rate, Regulation and compliance, Regulatory, Review, right, risk, running, safety, san francisco, selling, sheets, Side, Silicon Valley, silicon valley bank, Silicon Valley Bank failure, Strategies, the balance, the fed, time, under, washington, will

Why did my credit score drop? 12 common causes + solutions

March 15, 2023 by Brett Tams

Credit scores can drop suddenly for a variety of reasons, including having a late or missed payment or applying for a new line of credit.
Tagged: 2, 2022, 30 days past due, action, active, advice, agents, All, Applications, author, Auto, auto loan, average, balance, bankruptcy, before, big, Blog, Budget, build, chance, clear, closing, Collections, College, Compliance, Compound, cosigner, Credit, Credit Bureaus, credit card, credit card account, Credit Card Debt, credit cards, credit history, credit limit, credit repair, Credit Report, Credit Reporting, Credit Reports, Credit risk, credit score, credit scores, credit utilization, credit utilization ratio, creditors, data, Debt, Digit, disclosure, double, fico, fiduciary, Financial Freedom, Financial Wize, FinancialWize, foreclosure, fraud, fraud alert, freedom, FTC, General, good, graduated, guide, habits, hard inquiry, healthy, history, home, How To, identity theft, impact, Inquiries, interest, interest rates, international, items, job, late payments, Law, Legal, lenders, lexington law, line of credit, Links, loan, Loans, low, LOWER, Make, making, measure, missed payments, mistake, Mistakes, money, Money habits, More, Mortgage, Negative Items, new, north carolina, oldest, Other, payment history, payments, percent, Personal, Personal Loans, plan, points, proactive, Purchase, rate, Rates, reach, Refinance, repair, Review, revolving credit, right, risk, running, School, second, shopping, short, Spending, Style, the balance, theft, time, title, under, Utah, virginia, will, work, working

7 Bank Error Types — Examples to Identify, Avoid & Correct

March 14, 2023 by Brett Tams

Learn how to spot bank error types that can affect your finances and avoid paying more than you owe or having your account frozen.
Posted in: Money Basics Tagged: 2, ACH, action, active, agreements, All, apple, ask, author, avoid overdraft fees, balance, Bank, bank account, bank statement, Banking, banks, basic, before, big, Bill Pay, bills, build, Buy, Calculators, color, communication, Credit, credits, crime, data, deposit, Direct Deposit, double, employer, expectations, Family, Fees, finances, Financial Services, Financial Wize, FinancialWize, fraud, fraud prevention, funds, future, good, holiday, hours, How To, HR, impact, industry, interest, interest rate, interest rates, irs, Learn, Legal, list, LOWER, Make, math, Media, memories, missed payments, mistake, Mistakes, modern, money, More, offer, Original, Other, overdraft fees, pay bills, payments, pets, place, programs, protection, questions, rate, Rates, reach, return, Review, right, risk, room, routing number, running, save, search, single, smart, social, Software, Spending, Strategies, Style, tax, time, title, Transaction, update, withdrawal, work, wrong

APR (Annual Percentage Rate) — What It Is & How to Calculate

March 14, 2023 by Brett Tams

Have you ever wondered what an APR really is? Learn how to calculate it and — most important — how to use it to compare the cost of credit.
Posted in: Credit 101 Tagged: 2, 2023, active, Advertising, All, annual percentage rate, apple, apr, ATM, author, average, bad credit, balance, balance transfer, Balance Transfers, Bank, Banking, banks, basic, before, big, bills, Borrow, borrowers, borrowing, borrowing money, Budget, build, Buy, buy a house, buyers, Buying, calculator, car, car loans, cash advance, casino, choice, closing, closing costs, Clothes, co-signer, color, Compound, Compound Interest, compounding, Compounding Interest, consolidating debt, cost, couple, Credit, credit card, credit card issuer, credit cards, credit history, credit score, credit scores, crime, data, Debt, decision, decisions, double, Economy, existing, expensive, Family, Federal funds rate, Fees, Finance, Financial Services, Financial Wize, FinancialWize, financing, fixed, fixed rate, formula, fund, funds, future, gas, General, Giving, goals, good, good credit, groceries, history, home, home loans, house, How To, HR, impact, Income, industry, interest, interest rate, interest rates, investment, items, Land, Law, Learn, lenders, lending, Life, list, loan, Loans, low, LOWER, Make, Make Money, making, market, math, max out, Media, Mistakes, money, More, more money, Mortgage, mortgage loans, Mortgages, Move, Moving, multiple offers, multiply, needs, negotiate, new, offer, offers, one year, Origination, Other, Paying Down Debt, payments, penny, Personal, Personal Loans, pets, points, present, pretty, principal, programs, Purchase, questions, rate, Rates, Refinance, refinancing, repayment, Research, Reviews, rewards, Rewards Programs, right, risk, save, Save Money, Saving, saving money, savings, Savings Accounts, second, seller, shopping, short, short-term loans, simple, single, social, Style, the balance, time, title, unsecured loans, update, value, variable, Weird, will, work
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