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Hanover Mortgages

The Refined Mortgage Lending Company & Home Loan Lenders

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How I get good Marriott redemptions at AC Hotels in the US

March 16, 2023 by Brett Tams

Despite Marriott’s switch to dynamic pricing for calculating the cost of point redemptions at its properties last year, there are still numerous options that provide an excellent value for using points over cash for your trips. One of my favorite hidden sweet spots in Marriott’s portfolio of 31 brands is redeeming my points for stays …
Posted in: Moving Guide Tagged: 2, 2021, 2023, 429, 457, All, Amenities, Auto, Awards, bar, Bathrooms, book, california, cents, chance, choice, Christmas, Cities, city, climate, color, cost, country, Credit, credit cards, crypto, data, dining, doors, double, East Coast, event, expensive, facebook, Fall, Fees, Financial Wize, FinancialWize, fire, fire pit, fitness, floor, Free, good, great, guide, hawaii, hotels, international, jump, Live, LOS, low, LOWER, Luxury, making, Manhattan, marriott, Maui, modern, montana, More, new, new york, new york city, offer, offers, Original, Other, outdoor, park, Planning, points, Popular, portfolio, premium, price, Prices, property, Rates, restaurant, room, shares, short, social, south dakota, southern california, Style, suite, summer, taxes, time, town, vacations, Valuations, value, variable, washington, Washington DC, winter

10 States Where Building a Home Beats Buying One

March 3, 2023 by Brett Tams

Right now, in more than a third of the country, you can save money by building instead of buying.
Posted in: Credit Cards Tagged: 2, 2017, 2021, 2022, 2023, 30-year, All, average, baltimore, bidding, bidding wars, build, building, Building a Home, Building Your Own Home, Built, Buy, Buying, Buying a Home, california, Cities, city, Colorado, company, construction, cost, country, couple, data, dream, dream home, Economy, expense, Family, Federal Reserve, Financial Wize, FinancialWize, fixed, Florida, future, hawaii, home, home construction, home listing, home size, Homebuilders, Homebuyers, homeowners, homes, homes for sale, Housing, Housing market, Housing markets, housing prices, idaho, Inflation, interest, inventory, Land, landscaping, low, making, market, markets, Maryland, Maui, money, montana, More, Mortgage, Mortgage Rates, new, new home, new home construction, pressure, price, Prices, property, property tax, rate, Rates, ready, right, rocky mountain, save, Save Money, savings, single, single-family, southern california, springs, square footage, states, storage, Style, tax, tax rates, under, Utah, virginia, walking, will, workers

Non-QM, Marketing, HELOC Servicing, Automation Products ; Credit Trends

February 27, 2023 by Brett Tams

Here in Las Vegas (Why did the Dalai Lama go to Las Vegas? Because he loves Tibet) the population is about 650,000 with all manners of housing, subdivisions, and lifestyles. But around the nation and world, there are numerous ways and places to live. Here’s a story about a former NFL star who says he saved money by living inside Cincinnati Bengals stadium. What do Stowe, Vermont, Whitefish, Montana, and Lake Placid, New York have in common? The three U.S. towns made Travel & Leisure’s 25 Most Beautiful Small Towns. If you only want a house for part of the year, with elevated mortgage rates and home prices having risen considerably, the solution might be buying 1/6 of a house. Or sharing equity, which is what some of your borrowers and homeowner clients consider. “An Unlock HEA gives you cash in exchange for a portion of your home’s future value.” Or one can live underwater. (Today’s podcast can be found here and this week’s is sponsored by Built Technologies. Construction and real estate solutions for better financial management. Improve business performance with faster, smarter tools, for all stages of the property lifecycle. Today’s has an interview with Sasha Ramani, CEO of MPOWER Financing on companies beginning to ditch credit scores when loaning money. Broker and Lender Products and Services The Konami Code is one of the most well-known cheat codes in video game history. Unfortunately, lenders can’t just press a sequence of buttons to make productivity struggles disappear. But that doesn’t mean there isn’t a solution that’s nearly as simple and effective! SimpleNexus, an nCino company, is helping lenders hack the mortgage experience with its single-sign-on mobile homebuying application that connects lenders, real estate agents, and homebuyers from pre-application to close. If you’re attending ICE Experience 2023 this week, SimpleNexus invites you to “Level Up” at booth #125. Come for the free t-shirts and stay for the retro video games and illuminating discussions about the latest advancements in digital home lending. Want to put your name on the mortgage industry’s leaderboard? Earn a top score with SimpleNexus.

Posted in: Refinance, Renting Tagged: 2, 2016, 2022, 2023, action, active, advisor, agents, AI, air, All, analysis, android, app, apple, Apps, ARM, assessment, Asset and income modeler, assets, Austin, author, Auto, auto loan, Automate, automation, Bank, bank statement, Banking, banks, bar, big, black, Black Knight, bonus, borrowers, branding, Broker, brokers, build, builder, Built, business, Buying, Capital markets, Career, Careers, CEO, CFPB, Citi, closing, codes, Collections, Commentary, company, Compliance, condo, construction, Consumer Financial Protection Bureau, Consumers, correspondent, correspondent channel, Correspondent lending, cost, Credit, credit card, credit cards, Credit Report, Credit Reporting, Credit Reports, credit scores, Credit unions, CRM, customer service, cybersecurity, data, Deals, Debt, debt collection, design, Desktop Underwriter, Development, DTI, earning, Earning Potential, Economic indicators, efficient, employer, Employment, environment, Equifax, equity, estate, event, expectations, experian, experience, experts, facebook, Fannie Mae, fed, Federal Open Market Committee, Federal Reserve, FHFA, fico, fico score, Finance, financial management, Financial Wize, FinancialWize, financing, Fintech, Flagstar, Forecast, Freddie Mac, Free, front, funds, future, future value, games, GDP, gift, goals, good, Google, government, great, Grow, growth, GSEs, HELOC, HELOCs, Hiring, history, home, home equity, Home equity loans, home lending, home prices, Home Sales, Homebuyers, homebuying, Homeowner, homes, hours, house, Housing, How To, ice, IMBs, Income, index, industry, Inflation, interest, interest rates, international, interview, inventories, investment, iOS, iPhone, labor costs, lake, Las Vegas, launch, leadership, Learn, lenders, lending, leverage, Live, Living, LLC, loan, loan money, Loan origination, Loan Product Advisor, Loans, Make, manage, manufacturing, market, Marketing, markets, MBS, md, Media, meta, miles, mobile, Mobile App, modern, Monetary policy, money, montana, More, Mortgage, mortgage lenders, mortgage lending, Mortgage News, Mortgage Rates, Move, Moving, MSR, NAR, new, new york, News, NFL, non-QM, non-QM lending, oak, offers, one year, Operations, Opinion, opportunity, organization, Origination, Originations, Other, pandemic, party, payments, pending home sales, percent, Personal, Personal Loans, podcast, points, policies, portfolio, premium, price, Prices, productivity, products, programs, projects, property, protect, protection, quality, rate, Rates, ratings, reach, ready, Real Estate, Real Estate Agents, Relationships, Residential, resume, return, right, rise, room, sales, save, searching, second, second home, second homes, security, serious delinquency, Servicing, shares, Side, simple, single, small towns, social, Social Media, social security, Software, space, Spending, story, Strategies, students, suite, tax, Technology, the fed, time, title, tools, TPO, Transportation, TransUnion, Travel, Travel & Leisure, trends, Twitter, unique, updates, value, VantageScore, Video, virtual, waiver, warehouse lender, wealth, will, work, working

Who Is Standard & Poor’s?

February 25, 2023 by Brett Tams

If you’re researching insurance companies to find the best one for you, there are dozens of factors you need to consider before you choose one. You need to look at the rates, the products offered, the customer service, and you also need to look at the ratings for the company. If you’ve spent any time […]

The post Who Is Standard & Poor’s? appeared first on Good Financial Cents®.

Posted in: Banking, Insurance Tagged: 2, 2021, 429, AAMS, Accredited Asset Management Specialist, ad, Advertising, advisor, agent, agents, aid, Alabama, All, analysis, Arizona, Arkansas, author, Auto, before, Blog, blue, book, business, ca, california, categories, cents, cnbc, color, Colorado, commission, company, Connecticut, Credit, credit rating, creditors, ct, custom, customer service, data, Debts, disclosure, earnings, entry, experience, experts, Family, Featured, Finance, finances, Financial Advisor, Financial Freedom, Financial Wize, FinancialWize, Florida, foundation, freedom, Georgia, good, Google, green, hawaii, history, hold, hours, How To, idaho, Illinois, impact, indiana, industry, Insurance, investment, investments, investors, Learn, Life, life insurance, Links, list, LLC, louisiana, LOWER, Main, maine, Make, market, Maryland, Massachusetts, md, measure, Michigan, minimal, mississippi, missouri, money, montana, More, nebraska, Nevada, new, New Jersey, new york, new york times, north carolina, Operations, orange, Oregon, Other, party, Personal, personal finance, personal finances, planner, Planning, podcast, poor, products, protection, Purchase, quality, Quotes, Rates, ratings, Research, retirement, Retirement Planning, Review, right, S corp, science, SEC, selling, shopping, South Carolina, south dakota, stable, states, statistics, Style, Tennessee, texas, The Wall Street Journal, time, trust, united, united states, Utah, versus, virginia, wall, Wall Street, washington, Washington DC, wealth, wealth management, Websites, will, Wisconsin, work, working, youtube

Rockland Trust Mortgage

February 25, 2023 by Brett Tams

Services cities and towns within Massachusetts and Rhode Island Discount of .125 percent available for mortgages fully completed online Offers low- to medium-income mortgage options, including FHA, MassHousing, and MHP loans Some loan options require down payments as low as 3 percent for qualified borrowers Mortgage products have received no customer complaints via the BBB website Operates 85 physical branches […]

The post Rockland Trust Mortgage appeared first on Good Financial Cents®.

Posted in: Home, Loans Tagged: 2, 2017, 2021, 2022, 30-year, 429, AAMS, Accredited Asset Management Specialist, acquisition, action, active, ad, Administration, Advertising, advice, advisor, affordable, agent, Alabama, All, analysis, Applications, apr, Arizona, Arkansas, ARM, author, Auto, Bank, Banking, before, Blog, blue, book, borrowers, Built, business, Buy, Buying, ca, calculator, california, cape, Cape Cod, cents, Cities, closing, cnbc, color, Colorado, Commercial, commission, company, Connecticut, Consumer Financial Protection Bureau, Credit, credit history, credit score, credit scores, ct, custom, Customer Experience, data, decades, disclosure, down payment, Down payments, Enforcement, entry, experience, experts, Family, FDIC, Featured, FHA, FHA loans, fico, Finance, finances, Financial Advisor, Financial Freedom, Financial Wize, FinancialWize, First-time Homebuyers, fixed, fixed rate, Florida, freedom, Georgia, good, Google, government, great, green, growth, hawaii, history, hold, home, home loans, homebuyer, Homebuyers, Homepage, Housing, idaho, Illinois, Income, indiana, industry, Insurance, interest, interest rates, Invest, investment, investments, journey, Jumbo loans, Learn, lending, Life, Links, list, loan, Loans, locks, louisiana, low, LOWER, Main, maine, Make, market, Maryland, Massachusetts, md, Michigan, military, mississippi, missouri, money, montana, More, Mortgage, mortgage calculator, mortgage loan, Mortgage Products, Mortgage Rates, Mortgages, nebraska, needs, negotiate, Nevada, new, new home, New Jersey, new york, new york times, north carolina, offers, orange, Oregon, Origination, payments, percent, Personal, personal finance, personal finances, plan, planner, Planning, podcast, private mortgage insurance, products, property, protection, Purchase, quality, rate, Rates, relocate, Research, retirement, Retirement Planning, Review, Reviews, science, SEC, second, second home, security, selling, Servicing, single, single-family, social, social security, South Carolina, south dakota, states, Style, sustainable, Tennessee, texas, The Wall Street Journal, time, traditional, trust, unique, updates, Utah, VA, VA loans, vacation, value, variable, veterans, veterans affairs, virginia, wall, Wall Street, washington, Washington DC, wealth, wealth management, Wisconsin, work, youtube

What are Mortgage Points (and should you buy them)?

February 23, 2023 by Brett Tams

You may have heard how mortgages come with “points” – a polite synonym for fees or premiums – your lender charges for loan origination or refinancing. Sound familiar? Why would you want points? Well, when you buy a point or two along with your mortgage, you get a lower interest rate and lower monthly payments. […]

The post What are Mortgage Points (and should you buy them)? appeared first on Good Financial Cents®.

Posted in: Money Basics Tagged: 2, 2021, 30-year, 429, AAMS, Accredited Asset Management Specialist, ad, Advertising, advice, advisor, Alabama, All, analysis, Arizona, Arkansas, author, Auto, average, before, Benefits, Blog, blue, bold, book, business, Buy, buy a home, buyer, Buying, ca, california, cents, choice, closing, closing costs, cnbc, color, Colorado, commission, company, Connecticut, cost, credits, ct, custom, data, Deductible, disclosure, display, entry, experience, experts, Fall, Family, Featured, Fees, Finance, finances, Financial Advisor, Financial Freedom, Financial Wize, FinancialWize, Florida, freedom, funds, Georgia, good, Google, green, hawaii, hold, home, Home Improvement, Homeowner, idaho, Illinois, improvement, indiana, industry, Insurance, interest, interest rate, interest rates, Invest, investment, investments, irs, items, journey, Learn, Life, Links, list, Living, loan, Loan origination, louisiana, LOWER, Main, maine, Make, Maryland, Massachusetts, math, md, Media, Michigan, mississippi, missouri, money, montana, More, Mortgage, mortgage points, Mortgages, Move, nebraska, Nevada, new, new home, New Jersey, new york, new york times, north carolina, orange, Oregon, Origination, payments, Personal, personal finance, personal finances, place, plan, planner, Planning, podcast, points, principal, Purchase, quality, questions, rate, Rates, Refinance, refinancing, Research, retirement, Retirement Planning, Review, right, save, scam, science, SEC, Sell, seller, selling, settlement, simple, South Carolina, south dakota, Style, tax, tax time, Tennessee, texas, The Wall Street Journal, time, title, trust, Utah, value, virginia, wall, washington, Washington DC, wealth, wealth management, will, Wisconsin, work, youtube

$50,000 a Year Is How Much an Hour?

February 23, 2023 by Brett Tams

To some, $50,000 can seem like a huge amount of money. After all, if you were to make $50,000 a year in salary or wages, it would be more than many people in the world earn in their entire careers.

The post $50,000 a Year Is How Much an Hour? appeared first on Good Financial Cents®.

Posted in: Mortgage Tips Tagged: 2, 2021, 2022, 2023, AAMS, Accredited Asset Management Specialist, actual, Advertising, advisor, agents, Alabama, All, Amount Of Money, analysis, app, Arizona, Arkansas, ask, assets, author, Auto, average, baby, Bank, bank account, Banking, before, Benefits, big, bills, Blog, blue, book, Books, Budget, Budgeting, build, Bureau of Labor Statistics, business, calculator, california, Career, Career Change, Careers, cents, chance, cnbc, color, Colorado, commission, company, Compensation, Connecticut, cost, Cost of Living, couple, create a budget, creating a budget, Credit, custom, data, Debts, decisions, deductions, design, desk, developer, dining, dining out, disclosure, earning, Earning Potential, earnings, education, efficient, employee benefits, Employment, Entertainment, entry, event, expense, expenses, experience, experts, Family, Featured, federal income taxes, Finance, finances, Financial Advisor, Financial Freedom, Financial Goals, financial management, Financial Planning, Financial Wize, FinancialWize, Florida, food, foundation, Free, free time, freedom, freelance, future, General, Georgia, goals, good, Google, Graphic, green, growth, habits, hawaii, health, Health care, Health Insurance, healthcare, hold, home, hourly, hours, household, household income, Housing, How To, idaho, ideas, Illinois, impact, Income, income tax, Income Taxes, indiana, industry, Insurance, insurance premiums, interest, internet, investment, investment strategies, investments, job, jobs, kitchen, Land, Learn, Life, Lifestyle, Links, list, Live, Living, Local, louisiana, Main, maine, Make, making, manage, Marketing, Maryland, Massachusetts, md, Media, median household income, Medicare, Michigan, Miscellaneous, mississippi, missouri, money, montana, monthly budget, More, more money, nebraska, negotiate, negotiation, net income, Nevada, new, New Jersey, new job, new york, new york times, north carolina, offer, orange, Oregon, Other, own business, passive, passive income, paycheck, Personal, personal finance, personal finances, plan, planner, Planning, podcast, poverty, productive, Purchase, quality, Raise, rate, Research, restaurant, retirement, retirement accounts, Retirement Planning, return, Review, rewards, safety, salaries, Salary, salary negotiation, save, Save Money, Saving, saving for the future, saving money, savings, Savings Account, Savings Accounts, science, search, SEC, security, self-employed, Sell, selling, Side, Side Hustle, simple, single, skill, sleep, social, social security, Software, South Carolina, south dakota, Spending, standard deduction, starting your own business, states, statistics, Strategies, Style, tax, taxes, teachers, Technology, Tennessee, texas, The Wall Street Journal, time, time is money, tips, title, Transportation, Travel, trust, tuition, Twitter, Utah, utilities, vacation, vacations, value, variable, Video, virginia, wages, wall, washington, Washington DC, wealth, wealth management, will, Wisconsin, woman, work, workers, working, youtube

Life Insurance Quotes In (Literally) Seconds

February 23, 2023 by Brett Tams

Do you really need to get life insurance quotes from lots of companies? I have seen so many clients who ask this question. If you want to save money, then my answer is a definitive yes! Not all life insurance policies are the same (nor are the companies who offer them). For this reason, you […]

The post Life Insurance Quotes In (Literally) Seconds appeared first on Good Financial Cents®.

Posted in: Banking, Insurance Tagged: 2, 2021, 2022, 30-year, 429, AAMS, Accredited Asset Management Specialist, action, ad, Advertising, advisor, affordable, agent, Alabama, All, amortization, analysis, Applications, Arizona, Arkansas, ask, at home, author, Auto, balance, basic, before, beneficiary, Benefits, big, Blog, blue, bonds, book, business, Buy, ca, california, cents, Children, clear, cnbc, College, color, Colorado, commission, company, Compound, Connecticut, cost, country, couples, ct, custom, data, death, death benefit, Debt, decision, Digit, disclosure, dividends, divorce, education, employer, entry, estate, Estate Planning, event, executor, expenses, experience, experts, Family, Featured, Finance, finances, Financial Advisor, Financial Freedom, Financial Plan, financial stability, Financial Wize, FinancialWize, Florida, Free, freedom, funds, future, Georgia, goals, good, Google, great, green, Grow, hawaii, health, history, hold, home, Homeowner, How To, idaho, il, Illinois, impact, Income, indiana, industry, Insurance, insurance agent, insurance coverage, insurance plans, Invest, investment, investments, kids, Learn, Life, life expectancy, life insurance, life insurance beneficiary, Links, list, loan, louisiana, low, LOWER, Main, maine, Make, making, market, married, Maryland, Massachusetts, md, Medical, Michigan, millennials, mississippi, missouri, mobile, model, money, money market, money market accounts, montana, More, Mortgage, mutual funds, nebraska, needs, Nevada, new, New Jersey, new york, new york times, north carolina, offer, opportunity, orange, Oregon, Other, payments, peace, permanent life insurance, Personal, personal finance, personal finances, place, plan, planner, Planning, plans, podcast, points, policies, poor, portfolio, premium, prescriptions, protection, Purchase, quality, questions, Quotes, rate, Rates, ratings, Research, retirement, Retirement Planning, return, Review, rise, risk, safe, save, Save Money, savings, Savings Account, science, search, SEC, selling, short, Small Business, South Carolina, south dakota, spouse, stocks, stretched, Style, survey, tax, taxes, Tennessee, term life insurance, texas, The Wall Street Journal, time, trust, types of life insurance, universal life insurance, Utah, value, variable, virginia, wall, wants, washington, Washington DC, wealth, wealth management, whole life insurance, will, Wisconsin, work, young, youtube

Flagstar Mortgage Rates Review

February 23, 2023 by Brett Tams

Fifth largest mortgage originator in the United States Recently obtained branches from Wells Fargo and also owns eight Desert Community Bank branches in southern California Custom, personalized banking services are a primary focus for the institution Has built a variety of financial calculators into its website The Official Banking and Mortgage Sponsor of the Detroit […]

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Posted in: Home, Loans Tagged: 15-year, 2, 2021, 2022, 30-year, 429, AAMS, Accredited Asset Management Specialist, active, ad, Administration, Advertising, advice, advisor, Alabama, All, analysis, apple, apr, Arizona, Arkansas, author, Auto, average, Bank, Banking, banks, before, Blend, Blog, blue, bold, book, borrowers, borrowing, Budget, Built, business, buyers, Buying, ca, Calculators, california, cents, cnbc, color, Colorado, commission, company, Connecticut, Convenience, cost, Credit, credit score, ct, custom, Customer Experience, data, Debt, debt-to-income, disclosure, display, down payment, Down payments, entry, experience, experts, Family, faq, FDIC, Featured, FHA, FHA mortgage, Finance, finances, Financial Advisor, Financial Freedom, Financial Wize, FinancialWize, financing, First-time Homebuyers, fixed, Flagstar, Florida, freedom, funds, General, Georgia, Giving, good, Google, government, green, guide, hawaii, hold, home, home buyers, home loan, Home Price, home purchases, Homebuyers, Homepage, Housing, idaho, Illinois, Income, indiana, industry, Insurance, investment, investments, items, journey, Jumbo loans, Jumbo mortgage, Learn, lending, Links, list, loan, Loan officer, Loans, louisiana, low, LOWER, Main, maine, Make, making, market, Maryland, Massachusetts, md, Media, MI, Michigan, mississippi, missouri, model, money, montana, More, Mortgage, mortgage market, Mortgage Rates, Mortgages, natural, nebraska, needs, Nevada, new, new home, New Jersey, new york, new york times, north carolina, offer, offers, Offices, opportunity, orange, Oregon, Other, payments, percent, Personal, personal finance, personal finances, planner, Planning, podcast, private mortgage insurance, products, Purchase, quality, rate, Rates, Refinance, refinancing, Relationships, Research, retirement, Retirement Planning, Review, right, science, SEC, security, selling, sheets, short, social, social security, South Carolina, south dakota, southern california, specialty, states, Style, survey, Tennessee, texas, The Wall Street Journal, time, title, tools, trust, united, united states, Utah, VA, va mortgage, value, veterans, veterans affairs, virginia, wall, washington, Washington DC, wealth, wealth management, wells fargo, widget, will, Wisconsin, work, youtube

Ohio National Financial Services Review

February 22, 2023 by Brett Tams

When you’re shopping for insurance, one of the biggest decisions you’ll need to make is which company you’re going to choose. You can probably name about 10 carriers off the top of your head. Just because you know their name, doesn’t make them the best choice. What should you look at when you’re comparing companies? […]

The post Ohio National Financial Services Review appeared first on Good Financial Cents®.

Posted in: Banking, Insurance Tagged: 2, 2021, 2022, 429, AAMS, Accredited Asset Management Specialist, active, ad, Advertising, advisor, affordable, Alabama, All, analysis, annuities, annuity, Arizona, Arkansas, assets, author, Auto, basic, before, Benefits, Blog, blue, book, build, Built, business, Buy, Buying, ca, california, categories, cents, chance, Children, choice, Choices, cnbc, color, Colorado, commission, company, Connecticut, cons, cost, Cost of Living, ct, custom, data, death, death benefit, Debts, decisions, Disability, disclosure, dividends, doors, entry, expenses, experience, experts, Fall, Family, Featured, Finance, finances, Financial Advisor, Financial Freedom, financial habits, Financial Wize, FinancialWize, fixed, Florida, Free, freedom, fund, Georgia, goal, good, Google, green, habits, hawaii, health, history, hold, hours, idaho, Illinois, Income, indexed universal life insurance, indiana, industry, Insurance, insurance plans, interest, interest rate, Invest, investment, investments, job, jobs, Learn, Life, life insurance, Links, list, Living, loan, louisiana, Main, maine, Make, market, Maryland, Massachusetts, md, Michigan, mississippi, missouri, money, montana, More, nebraska, needs, Nevada, new, New Jersey, new york, new york times, north carolina, offer, offers, opportunity, Oregon, Other, parents, party, past performance, payments, Personal, personal finance, personal finances, plan, planner, Planning, plans, podcast, policies, poor, portfolio, premium, products, pros, Pros and Cons, protect, protection, Purchase, quality, questions, Raise, rate, Rates, Research, retirement, Retirement Planning, return, returns, Review, Reviews, reward, risk, safety, save, savings, Savings Account, science, SEC, Sell, selling, Seniors, shopping, Side, single, South Carolina, south dakota, stock, Style, Tennessee, term life insurance, texas, The Wall Street Journal, time, traditional, trust, Underwriting, universal life insurance, Utah, value, variable, virginia, wall, wants, washington, Washington DC, wealth, wealth management, white, whole life insurance, will, Wisconsin, work, workers, working, youtube
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