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Your Purpose In Life

January 27, 2023 by Brett Tams

  Show Summary Welcome back to the show and Merry Christmas!! I’m recording this two-part series that we’re going to share with you over the next two episodes on Christmas Eve! I…

Posted in: Small Business Tagged: All, Applications, ask, before, Benefits, bonuses, build, building, business, Buy, chase, Children, Christmas, clear, closing, coffee, country, couple, Deals, estate, expectations, expense, experience, experts, Financial Freedom, Financial Wize, FinancialWize, free stuff, freedom, get started, Getting Started, Getting Started in Real Estate Investing, gift, gifts, Giving, goal, goals, good, great, Grow, happy holidays, holiday, Holidays, home, house, How To, impact, industry, Interviews, Investing, investors, job, journey, Lead Generation, Learn, lessons, Life, Live, Local, Make, Make Money, making, Making Money, mindset, money, More, needs, new, new year, offer, Operations, opportunity, Other, paint, Planning, portfolio, pressure, products, questions, rate, ready, Real Estate, Real Estate Investing, Real Estate Investing Secrets, real estate investor, Real Estate Investors, right, risk, safety, second, secrets, Sell, sellers, shopping, Social Media, students, the new year, time, tips, transformation, value, Video, will, work, working, wrong, youtube

Make paying easier with the 10 best payment apps of 2023

January 27, 2023 by Brett Tams

Payment apps make paying for your purchases, or splitting a bill easier than it’s ever been. These 10 apps offer something for everyone.Payment apps make paying for your purchases, or splitting a bill easier than it’s ever been. These 10 apps offer something for everyone.

The post Make paying easier with the 10 best payment apps of 2023 appeared first on Money Under 30.

Posted in: Banking, Personal Finance, Saving And Spending Tagged: 2, 2022, 2023, ACH, All, android, app, apple, apple pay, Apps, ATM, balance, Bank, bank account, bank accounts, Banking, Bill Pay, Built, business, car, cash back, clear, company, contractors, cost, country, Credit, credit card, credit cards, credit union, currency, currency exchange, currency exchange rates, Debit Card, debit cards, deposit, Direct Deposit, exchange rate, Family, Fees, Financial Wize, FinancialWize, fun, fund, funds, gift, Gift Cards, Giving, Google, google pay, grocery, grocery stores, Instagram, international, iOS, landlord, Learn, Local, low, Make, Make Money, making, mobile, Mobile App, money, More, Move, needs, no-front-page, offer, offers, Original, Other, Payment apps, payments, paypal, Personal, personal finance, personal information, plan, Planning, present, Purchase, rate, Rates, rewards, right, security, shopping, simple, single, Social Media, social security, states, tax, time, title, Transaction, under, used car, venmo, will, withdrawal, work

Understanding Medicare Supplement Plans – AKA Medigap Plans

January 27, 2023 by Brett Tams

Medicare is an excellent government program that helps seniors pay for necessary medical expenses that they would not be able to afford otherwise, but there are a lot of things that the program doesn’t pay for. Millions of Americans rely on Medicare to get the healthcare that they need, but there are dozens of different […]

The post Understanding Medicare Supplement Plans – AKA Medigap Plans appeared first on Good Financial Cents®.

Posted in: Retirement, Starting A Family Tagged: affordable, All, basic, basics, before, Benefits, bills, Budget, Buy, Buying, coinsurance, company, Consumers, cost, couple, decision, Deductible, deductibles, Discounts, employer, existing, expenses, expensive, experts, Family, finances, Financial Wize, FinancialWize, General, good, government, great, health, Health care, healthcare, helpful, history, home, home care, Inflation, Insurance, insurance coverage, insurance plans, Law, Legal, Life, Main, Make, making, married, Medical, medical expenses, Medicare, Medicare Advantage, Medicare Part A, Medicare part B, Medigap, model, money, More, Most Expensive, Move, needs, new, offer, offers, Original, Other, plan, policies, premium, protect, protection, Purchase, questions, Quotes, Raise, rate, Rates, ready, retirement, Review, right, savings, Savings Account, second, Sell, selling, Seniors, shopping, Simplifying, states, surgery, time, Transaction, trend, under, will, work

15 ways that cruising newbies waste money on their first cruise

January 27, 2023 by Brett Tams

I can still remember my first rookie mistake on a cruise. It came about 15 minutes after I stepped on board a ship for the first time. I had worked my way up to the Lido Deck to take in the view, and I was almost immediately confronted by a beaming waiter holding out a …
Posted in: Moving Guide Tagged: 2, 2022, 429, 457, advice, All, allowance, art, ask, auctions, Auto, bar, before, big, book, Built, business, Buy, Buying, cabin, chase, chase sapphire, Chase Sapphire Preferred, chase sapphire reserve, Children, clear, Clothing, cocktails, color, company, comps, cost, Credit, credit card, credit card points, data, Deals, deck, dining, Discounts, disney, expensive, experience, Fees, Financial Wize, FinancialWize, flight, freedom, front, fun, glasses, gold, good, guide, Guides, home, horror stories, How To, international, internet, kids, LA, list, low, Make, making, math, miles, mistake, Mistakes, model, money, More, new, News, offer, offers, Other, photography, photos, planner, points, premium, questions, rate, Rates, restaurant, restaurants, rewards, right, sailing, save, Saving, second, selling, Seniors, shopping, simple, single, spa, specialty, Spending, students, Style, time, tipping, tips, tour, Transportation, Travel, trust, Uber, under, vacation, value, Venice, waiver, Wi-Fi, will

7 of the Worst Car Buying Mistakes You Can Make

January 27, 2023 by Brett Tams

A vehicle is a big purchase that often involves a loan, so getting it wrong can be an expensive mistake.
Posted in: Credit Cards Tagged: 2, 2021, 2022, 2023, affordable, ask, Bank, before, best deals, big, borrowing, Broker, Budget, Buy, Buying, buying a car, buying a new car, car, car buying, car loan, car shopping, Consumers, cost, couple, Credit, credit union, data, Deals, driving, expensive, Extra Money, Fees, Financial Wize, FinancialWize, financing, good, great, home, inspection, Insurance, insurance broker, items, Live, loan, LOWER, Make, making, market, Medicare, Michigan, mistake, Mistakes, money, More, negotiating, new, offer, offers, Other, points, Purchase, rate, Rates, Research, Review, sales, save, Save Money, seller, shopping, states, Style, survey, tax, time, timing, trust, used car, vehicles, will, woman, workers, wrong

Food waste and food consumption in the United States

January 27, 2023 by Brett Tams

I’ve been thinking a lot lately about how much food I consume (and waste). I’m not happy with how I shop and eat, and it’s not just because I’m fat right now. I don’t like what I’m eating and I don’t like how much food I’m throwing out.

Food waste is a huge problem in the United States. Most studies find that Americans waste about one-third of all food that enters the supply chain. This is insane. And when you consider that food spending is the third-largest component of the average American budget, this is a great place for most folks to boost their budget.

According to the 2017 Consumer Expenditure Report, the average household spends $7,729 per year ($644.08 per month) on food. If, as the USDA reports, 31% of the average family’s food goes to waste, that’s the equivalent of burning $2395.99 per year ($199.67 per month).

For most families, $200 per month is a big deal. That can be the difference between deficit spending and earning a “profit”. That $200 per month could be enough to purchase a new car or to afford better health insurance.

Today, I want to think out loud about food consumption and food waste in my own life.

Our actual fridge at this very moment

This article is unusual in that I’m not going to try to offer any solutions. Instead, I’m simply going to share some observations, and I’m going to divide these observations into bite-sized chunks.

If you have solutions to food waste, however, I’d love to hear them.

Posted in: VA Loans Tagged: 1970s, 2, All, apartment, beans and rice, big, blueprint, Books, Budget, Built, Buy, Buying, car, Choices, Cities, coffee, condo, consumption, country, couple, Crisis, data, dessert, earning, Europe, Family, Fashion, Financial Wize, FinancialWize, food, food consumption, food waste, fun, funny, garage, garden, glasses, great, groceries, habits, health, Health Insurance, healthy, HelloFresh, home, house, household, Insurance, inventory, items, job, kids, kitchen, Learn, learned, Life, Lifestyle, Live, low, Make, making, market, mental health, miles, mold, money, More, needs, new, offer, opportunity, Oregon, Other, packing, Pantry, Personal, prep, Purchase, ready, rental, restaurant, right, RV, save, Save Money, School, simple, single, space, specialty, Spending, staples, states, stock, storage, surgery, time, title, tools, Travel, under, unique, united, USDA, wants, weather, will, woman, work, young

Understanding the Home Equity Line of Credit (HELOC)

January 27, 2023 by Brett Tams

A home equity line of credit, or HELOC, is a great financial tool that allows homeowners to tap into their available equity as needed. HELOCs work similarly to credit cards in that you have access to a credit line — up to a certain limit — and can spend as much or as little as… View Article

The post Understanding the Home Equity Line of Credit (HELOC) first appeared on Total Mortgage.

Posted in: Refinance, Renting Tagged: advisor, Bank, before, bills, Blog, Borrow, business, cars, College, Credit, credit card, credit cards, credit limit, Credit Report, credit score, Debt, debt consolidation, debt-to-income, Deductible, DTI, equity, expenses, expensive, Finance, Financial Wize, FinancialWize, foreclosure, fund, funds, General, good, great, HELOC, history, home, home equity, home equity line of credit, home equity loan, Home equity loans, Home Improvement, home loan, home renovation, Homeowner, homeowners, improvement, improvements, Income, interest, interest rate, interest rates, investments, late payments, lenders, Lifestyle, line of credit, loan, Loans, LOWER, Make, Medical, medical bills, money, Mortgage, needs, new, offer, Other, payment history, payments, Personal, Personal Loans, Planning, project, projects, questions, rate, Rates, ready, renovation, renovations, right, single, stable, tax, tax deductible, time, vacations, value, will, withdrawal, work

What is Fedloan Servicing? (Guide to Fedloan Student Loans)

January 27, 2023 by Brett Tams

There you are, sitting in your high school’s guidance office talking with your counselor about heading off to college after graduation. You’re all excited thinking about the new friends and freedom you’ll have until you go home to parents who remind you that college isn’t cheap. With over half of college students taking on debt,

The post What is Fedloan Servicing? (Guide to Fedloan Student Loans) appeared first on MintLife Blog.

Posted in: Home Ownership, Student Finances Tagged: 2, 2022, after college, aid, All, android, app, Applications, ask, author, balance, Bank, basic, before, Benefits, bills, Blog, Books, borrowing, build, business, Buy, calculator, car, CFPB, chance, collecting, College, college students, color, company, Consumer Financial Protection Bureau, Consumers, covid, COVID-19, Credit, credit disputes, credit union, customer service, data, Debt, decision, deferment, department of education, down payment, education, employer, experience, fafsa, Family, fed, federal loans, federal student loans, finances, financial aid, Financial Goals, Financial Wize, FinancialWize, Forbearance, freedom, Giving, goals, government, grace period, graduation, Graphic, great, guide, higher education, hold, home, How To, improvement, Income, interest, interest rate, international, iOS, iPhone, job, layout, Learn, lenders, Life, Live, loan, Loans, low, low-income, LOWER, Make, making, Mint, mint.com, mobile, Mobile App, money, More, more money, Move, new, offer, offers, office, organization, Other, parents, payments, plan, planner, principal, programs, protection, public service, questions, rate, Refinance, refinancing, REPAYE, Review, right, room, Salary, save, savings, scam, scams, School, second, Servicing, single, spouse, Spring, stafford loan, student, Student Finances, student loan, Student Loan Repayment, Student Loans, students, Style, survey, the balance, time, title, tools, Travel, tuition, under, unique, update, Ways to Save, white, will, work, workers, working

It’s bad enough mortgage rates are over 7% – now it’s harder to qualify for a home loan – CNBC

January 27, 2023 by Brett Tams

It’s bad enough mortgage rates are over 7% – now it’s harder to qualify for a home loan  CNBC

Posted in: Renting Tagged: 30-year, black, Black Knight, business, color, company, Credit, credit score, Crisis, data, Delinquencies, Economy, Fall, fed, Federal Reserve, financial crisis, Financial Wize, FinancialWize, foreclosure, funds, good, Google, graham, home, home loan, home prices, Homebuyers, Housing, Housing market, index, Inflation, interest, interest rates, Joel Kan, Jumbo loans, lenders, loan, loan programs, Loans, LOWER, market, More, Mortgage, Mortgage Bankers Association, mortgage credit, Mortgage Credit Availability, Mortgage News, Mortgage Rates, Mortgages, Move, new, News, offer, pandemic, Popular, programs, rate, Rates, Recession, soaring, Software, the fed, value, will

Orchard Mortgage Review: A Tech-Enabled Mortgage Broker That Wants to Transform the Stale Home Buying Process

January 27, 2023 by Brett Tams

Today we’ll check out “Orchard Mortgage,” formerly known as Orchard Home Loans. The direct lender is backed by its parent company Orchard (previously Perch), a tech-enabled real estate brokerage that offers iBuying and cash-backed offers. One of their more popular services allows you to buy before you sell, similar to companies like HomeLight, Knock, and… Read More »Orchard Mortgage Review: A Tech-Enabled Mortgage Broker That Wants to Transform the Stale Home Buying Process

The post Orchard Mortgage Review: A Tech-Enabled Mortgage Broker That Wants to Transform the Stale Home Buying Process appeared first on The Truth About Mortgage.

Posted in: Renting Tagged: 15-year, 2022, 30-year, Alabama, All, app, apr, Arizona, ARM, basic, before, Blend, Broker, brokerage, brokers, business, Buy, buyers, Buying, california, city, Colorado, commissions, company, Conforming Mortgages, cons, Consumers, custom, daily mortgage rates, Digital mortgage, estate, existing, experience, Fannie Mae, Fannie Mae and Freddie Mac, Fees, FHA, FHA loans, Financial Wize, FinancialWize, Fintech, Florida, Freddie Mac, Georgia, get started, good, government, history, home, home buyers, home buying, home buying process, home loan, home loans, HomeLight, homeowners, How To, idaho, Jumbo loans, lenders, lending, list, loan, Loan officer, loan officers, loan pricing, loan programs, Loans, louisiana, low, low mortgage rates, Make, making, montana, More, Mortgage, MORTGAGE RATE, Mortgage Rates, mortgage refinance, Mortgage Reviews, Mortgages, Move, Move First, needs, new, new york, new york city, north carolina, offer, offers, Orchard, Oregon, party, Popular, pressure, programs, pros, Pros and Cons, Purchase, Purchase loans, rate, Rates, ratings, Real Estate, real estate brokerage, Refinance, Review, Reviews, san diego, Sell, single, south dakota, states, Technology, texas, time, title, traditional, unique, USDA, usda loans, VA, VA loans, wants, washington, Websites, will, Wisconsin, work, Zillow
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