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Apache is functioning normally

June 9, 2023 by Brett Tams

This year’s down market has shifted what mortgage lenders are seeking from their technology partners, because the spare dollars for nice-to-haves are no longer around. The booming housing market the past few years brought with it a surge in mortgage tech adoption, and while this movement towards innovation has been welcomed by mortgage parties, now more than ever lenders are looking at the data behind these mortgage tech claims. Return on investment and cost savings around must-haves are now the focus in a lot of tech partnerships. 

To learn more about this shift in mortgage tech needs and the changing dynamic in vendor-lender partnerships, HousingWire interviewed John Hedlund, California Mortgage Bankers Association (CMBA) chairman and chief operating officer at AmeriHome Mortgage Company and Wes Iseley, CMBA board president of residential and senior managing director of Carrington Holding Company.

California is home to some of the largest lenders which allows the association to keep a very strong pulse on the needs and trends in housing. The associations’ annual Mortgage Innovators Conference in Anaheim, California in June is designed to explore the revolutionary world of mortgage technology and helps attendees gain valuable insights from experienced industry professionals. 

“The Mortgage Innovators Conference is unique in our space because there’s more of a conversation and interaction with lenders and technology companies, or innovators. It was part of our goal to not just have a bunch of booths where people are pushing products and instead where they’re solving problems that lenders have today,” said Hedlund.

“The beauty of the Mortgage Innovators Conference, and what we’re trying to build there, is really more of that two-way dialogue. The companies that are coming are listening and trying to enhance, improve and develop their products, and will reposition what they’ve already built or are in the process of building,” he said.

This collaborative mindset is what will define the lenders and tech providers that grow. In the following Q&A, Hedlund and Iseley discuss what innovation looks like today, the current table stakes in mortgage tech, what tech companies should keep in mind when talking to lenders and more. 

HousingWire: What are some of the biggest areas that lenders are looking at technology to solve?

John Hedlund: In 2021, business was crazy good, and lenders had more money. You had a lot of vendors and startups selling, for lack of a better term, bells and whistles. They were, in my opinion, nice-to-haves and didn’t really move the needle. You’d have an LO come over to your company, saying that they need a certain software because they’re comfortable with it, so lenders would buy it because they could afford it. We’re in a different world now. Most lenders lost money last year.

So when I think of technology today, I talk to our providers about how they need to show their economic value add more than ever. How do you take costs out of my business? How have you proven that, factually?

When I talk to clients and ourselves, I focus on “what do we really need that moves the needle?” And, “What is just nice to have?” I’m getting rid of the nice-to-haves, and we’re finding other vendors that want to come in.

For most of the guys today, it’s all bottom-line driven. They need to be liquid, and they don’t know what’s next with rates.

Wes Iseley: There are some real issues that are still out there with speed to close. The first thing with speed to close, anything we can do to income verifications, which we have come a long way in bringing that in. There are different models out there trying to bring in income verification quickly.

The second one would be from a compliance standpoint — wire fraud. Everybody has to have that compliance and quality in place because that will drive costs up. 

So the whole time we’re speeding things up, and at the same time, we need to have our protections in place so we don’t have surprise losses. There’s a lot of work going on the front and the back end from a compliance perspective.

HW: What are the new table stakes when it comes to technology?

JH: There’s always way more ideas than are actually going to ever catch on. It’s hard to carve out a new niche where there’s really a value add, but ultimately, that’s where I would start. What is my value proposition? And, it has to be somewhat hard today; it can’t be soft. By soft, I mean that it’s a nice-to-have. I think of an economic value-add. If followed all the way through the process, does it move the needle somewhere? 

WI: Right now, if you can’t make it easy for the customer, that customer is going to get frustrated and go away. It’s tough out there right now. This includes the ease of use for the customer and the communication in keeping all people involved in that transaction informed as it goes along. Especially in a purchase money close, you can’t mess up the close when the moving truck is outside. Keeping everybody informed as the process goes is a must.

HW: What should mortgage tech companies keep in mind when talking to lenders?

JH: There’s a lot of value in talking to a variety of different lenders in different markets, and testing, tweaking and revising your business model when it needs change. If you want to have something that isn’t a niche product, it has to ring true with the masses. 

When we started AmeriHome, our mindset wasn’t to chase shiny objects. From the start, our goal was to be a top-five correspondent lender, and so we built the company with scale in mind and our value prop very simplistically became, “How are we going to add value to our clients?” 

I see a lot of tech vendors that have great ideas in isolation that aren’t ever going to necessarily be at scale because it’s a niche-type model. In most cases, I wonder if they’ve vetted that and spent, not an hour, but weeks or months finding out what their clients really need and solving a problem versus creating a product to try and find a problem.

HW: What does housing innovation look like in today’s market?

WI: The big issue out there is affordable housing. While there are modular homes, manufactured homes and factory-built homes, there are so many restrictions. In California for example, there’s a fee to transport the manufactured house, which adds $25,000 to $30,000.

You need to get down state by state and say what are the restrictions? I think factory-built housing and the precision of the building itself is of a higher quality and that’s a way to solve for affordable housing. You’re not going to affect land price, so it’s the build. This is a big solution that everybody should be working on.

Source: housingwire.com

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Apache is functioning normally

June 9, 2023 by Brett Tams

Do you have something that drives you absolutely crazy, even though nobody else is fazed by it? We all do—whether it’s someone taking the last of the coffee without refilling, or seemingly arbitrary office policies. It’s strange when we get angry over nothing… but sometimes it’s also oddly liberating. 

It seems like it’s something different that tips everybody over the edge—so let’s talk about some of the most common things that make us irrationally angry.

1. YouTube Video Recommendations

Photo Credit: Shutterstock.

One user posted, “YouTube recommending videos that don’t start with the first one of a series. Why start on part 6…?”

“YT can’t count. You’ve watched episodes 1, 2, and 3 out of a series? What comes after episode 3? Episode 7, obviously. Next up is episode 21. Followed by episode 2 even though you’ve already watched it. It’s baffling how a simple episode list is beyond YT’s algorithm to understand,” one user replied. 

Another user also commented, “Yeah, but 7 has higher engagement metrics than 4,5, or 6, so YT thinks that is more important than chronology.” 

One responded, “For me it’s the 30s of unskippable ads, followed by another ad 25s into the video.”

2. Motion Sensor Doesn’t Work

Photo Credit: Shutterstock.

One user posted, “When the motion sensor on a paper towel dispenser doesn’t work.”

Another user replied, “I hate it when you have to negotiate to get soap, water and towels but the germaphobe in me really likes not touching anything.”

One user commented, “As a fellow public toilet germaphobe, it shits me to tears when the amenities are designed to be no touch (sensor soap and paper towel etc) and then the door has a handle.” 

Another user stated, “As long as they use real paper towels and not those shitty hand dryers, you can use the towel to grab the door handle. Some places now have the thing at the bottom of the door where you can use your foot. That is also pretty handy. It’s pretty gross though when you see some absolute slob come out of a stall and go right out the door using the handle you have to touch. I wouldn’t describe myself as a germaphobe by any stretch, but there is a level of basic hygiene that everyone should be at.”

3. People who Won’t Let you Merge

Photo Credit: Shutterstock.

One Redditor posted, “When people speed up when I indicate a lane change.”

Another responded, “Omg thank god someone said this. Knew those jerks do that… on purpose lmao.”

One user also commented, “Me too, and I always wondered why they do that.” 

Another Redditor added, “Some people are mean on purpose. Some people aren’t paying attention to their speed and when they notice they’re going slow cuz someone is trying to pass them, they correct.” 

“I get [annoyed with] people who cut me off on the right, while my blinker to change lanes to the right is active and I’m intentionally trying to move over to the slow lane. They’re so eager to pass me that they won’t even let me get over to the slow lane or exit lane. I’m trying to move over, and it’s infuriating,” a user replied. 

4. People who are Confidently Wrong

Photo Credit: Shutterstock.

One user added to the thread, “Overconfident people who are clearly not very bright.”

Another responded, “People that [make up] an answer instead of admitting they don’t know something.”

Another one added, “I agree this is cringe but unfortunately as a medical student, doctors get pissed if I say ‘I don’t know’ to some of their random… questions, so I have to force myself to make up some [crap] instead.” 

“My 11th grade English teacher was one of those teachers. He also got mad at you for making stuff up though and refused to use anything but your full legal name (first and last) but the second you tried to call him Mr instead of professor he’d yell at you and lecture the whole class about respect and if someone has a name/title preference you should accept that so [idk] what his problem was lmao.” 

5. No Headlights in the Rain

Photo Credit: Shutterstock.

One user commented, “Drivers who don’t turn their headlights on when it’s raining.”

Another user added, “Or ones that don’t use turn signals when turning.”

“They use it as they turn instead of before,” one Redditor replied.

Another user responded, “And it always seems to be gray or silver cars that completely blend in with the haze.”

6. Blocking the Grocery Aisle

Photo Credit: Shutterstock.

One Redditor posted, “When people block the entire… aisle with their shopping carts.”

Another user responded, “Lmao my wife gets so pissed when people do this. She literally moves their cart for them.”

One user added, “I do that, too. I’ll pick up the end of their cart and just move it out of the way. Usually people are apologetic about it and I’m outwardly nice to them but I’m always thinking ‘If you’re so sorry why… did you do it in the first place??’”

One user shared, “My grocery store trigger is when someone stops in an aisle to peruse a section, and they leave their cart dead center in the aisle…preferably at an angle to ensure maximum blockage.” 

7.  People Stopping in Busy Stores

Photo Credit: Shutterstock.

One user posted, “Pet peeve… people having friends and family gathering in the busiest intersection in the store right in front of the items everyone needs to get at with their kids running around, and getting in everyone’s way. Not slightly to the side by the frozen dinner entrees, or something, but in the worst imaginable spot impeding every other customer’s ability to get around, and get the stuff they need.”

One added, “I swear lockdown made everyone dumber. People can’t drive [at all] now and it seems to be the social norm to go slow as [heck] down isles and stop I the center of the isle.” 

8. Setting Multiple Alarms

Photo Credit: Shutterstock.

One user added, “My wife’s second and third alarms in the morning when I don’t have to get up for work.”

Another replied, “When you get into bed looking forward to a good night’s sleep, knowing you’ll be getting quite a lot of hours in bed before you have to get up for work the next day, and then what feels like just one blink later…”

One user then asked the OG commenter, “Do you have sleep apnea or insomnia? I’ve got relatives who have one or the other and it doesn’t seem fun. The one with sleep apnea got the CPAP machine and now he can function on 4 hours of sleep whereas before the machine, he would get 8 or so hours of sleep but still be extremely exhausted because his body wasn’t fully going to sleep. I get acid reflux, where if I eat too late I will wake up choking on stomach acid (or just throw up).” 

The OG commenter answered, “I have narcolepsy, but you’re on the right lines yeah.”

9. When your Headphone Cord Snags

Photo Credit: Shutterstock.

One Redditor posted, “Headphone cord snag.”

One user added, “On the kitchen drawer… WHILE I’M COOKING.”

One also shared the same sentiments and replied, “I’m so… angry just reading your comment.”

Another also added, “Similar rage level- you must carry some stuff, you’ve found a way to stack everything securely to carry in one trip. But it requires both hands. You manage to open a door with either your foot or by carefully stretching your fingers…. Then your belt loop/baggy top gets caught on the door handle when you’re almost fully through.” 

10. Printers

Photo Credit: Shutterstock.

One user commented, “Printers. If I plug you in, you should work. WHY YOU NO WORK?!”

“PC Load Letter? What the [heck] does that mean???” one user replied.

Another added, “Sounds like someone’s got a case of the Mondays…”

One user said, “Haha. The cry of the IT guy!!”

Source Reddit.

Image Credit: Shutterstock – Denis Makarenko

Who is one actress you can never stand watching, no matter their role?  After polling the internet, these were the top-voted actresses that people couldn’t stand watching.

10 Actresses People Despise Watching Regardless of Their Role

These 7 Celebrities are Genuinely Good People

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We’ve all heard the famous adage that “no publicity is bad publicity,” and while it tends to be accurate, there are certainly exceptions. But what about those few stars who stay out of the limelight and get along without a hint of trouble? 

These 7 Celebrities are Genuinely Good People

Photo Credit: Shutterstock

Have you ever known someone and thought you liked them—until you learned about their hobbies? Then you get to know them and then you’re like, “Wow, red flag.” Well, you’re not alone.

These 10 Activities Are an Immediate Red Flag

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Some celebrities definitely seem to enjoy the limelight and keep working to stay in the public eye. While others quickly move out of the spotlight. Many of these actors and actresses stepped out of the spotlight to live a more private life without constant media pressures.

10 Celebrities That Made the Big Times Then Disappeared Off The Face of the Earth

Image Credit: Troma Entertainment

We’ve all been there – sitting through a movie that we can’t help but cringe at, but somehow it still manages to hold a special place in our hearts.

These 10 Terrible Movies Are Still People’s Favorites



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Apache is functioning normally

June 9, 2023 by Brett Tams

This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.


I’m not really sure about this whole expensive holiday gift thing. I know it’s supposed to be a way of showing love and appreciation, but I think it is too much pressure. Why not give a cheap holiday gift that they will actually use?

Plus a lot of people struggle with finding a Christmas gift for their loved ones, regardless of price.

Some people say that the best gifts are homemade, but not always. I am going to show you 101+ of my favorite cheap but thoughtful Christmas gifts ideas for someone who is on a budget or does not want to spend too much money.

These cheap Christmas gift ideas are for everyone on your list, from the family member you don’t know what to get them to the coworkers who always complain about not getting anything.

You will find the best advice on how to find the perfect present without breaking your budget.

The holidays are right around the corner, and it is time to start thinking about those gift lists! The holidays are about spending time with those closest to you, for many Americans it can be exceedingly difficult to find a decent gift for those from your close circle.

Why Cheap Christmas Gift Ideas

I know that you’re looking for some great gift ideas this year and we have you covered: adults, teens, kids, fashionistas, athletes, teachers, plus so much more!

There are so many inexpensive Christmas gift ideas that it can be hard to know where to start. This article will help you find the perfect present for everyone this holiday season.

The price range will be cheap Christmas gifts under $10 or nice cheap gifts for Christmas under $20. Some items maybe a little bit more expensive, but well worth the extra cost based on the idea!

Find over 250 cheap last-minute Christmas gifts (delivered by Amazon) on this list that I know the recipient will love!

We all want to give gifts that are thoughtful, stylish, and affordable. These cheap Christmas gift ideas offer all of that, plus they are inexpensive to buy. Broke at Christmas time isn't fun. Learn how to get awesome gifts when broke. DIY and free ideas for women, for guys, for friends, for men, for kids. These money saving tips will help your Christmas budget.

Cheap Christmas Gifts for Adults

Easy cheap Christmas gifts for adults are those that can be afforded by the budget-conscious and the best part is still are awesome gifts.

These gifts usually have a handmade flair or personal touch to them to reflect the recipient’s personality.

To find cheap Christmas gifts for coworkers, you can pick any present on this list.

  • DIY Jewelry: This is one of the best ways to make multiple gifts for cheap. You can make many types of homemade jewelry.
  • Mug with their name on it: Make them smile with a customized mug just for them!
  • Coloring Books: Coloring isn’t just for kids. Adult coloring books are extremely popular and inexpensive to pick up an adult coloring book and colored pencils.
  • Magazines Subscriptions: Some ideas include National Geographic or Smithsonian. Great way to find new inspiration and ideas.
  • A Photo Album of your Memories: This can be a physical or digital photo album. A simple way to portray your friendship and experiences together.
  • Journal: Write down thoughts, ideas, or quotes that they love in the journal. Pick up a plain journal at Target for $5-$10.
  • Stickers: Add a few stickers from your collection, some ribbon, and scrapbook papers to decorate it!
  • Movie Night: A movie night with popcorn and some of their favorite movies is a thoughtful, inexpensive gift that everyone will enjoy. Buy a streaming movie or pass to the local cinema.
  • Handmade Gifts: If you have a knack for the arts and crafts, making a handmade gift is not only thoughtful but also can be very inexpensive!
  • Coffee or tea from their favorite coffee shop: There’s nothing better than a cup of joe or tea to start the day off right.
  • A Bouquet of Flowers: Get a bag of those colorful hair ties, and tie them to the stems for an extra special touch!
  • Collage Frame: A collage frame can be used as a picture frame, or it can be used as a decoration on the wall.
  • Holiday Decor: This is an affordable and practical gift for someone who loves to decorate their home for the holidays.
  • DIY-ed Ornaments: Get creative with this craft and let their imagination run wild!
  • Homemade Treats: Who doesn’t love cookies, chocolates, or homemade baked goods? Even canned salsa or jelly make great gifts!
  • Stockings: With any number of crafts available to make-you can’t go wrong with a stocking full of goodies for the holidays.
  • Cookies: Bake up some of your favorite holiday cookies and package them in a festive container for a sweet treat. Perfect to host a cookie exchange as a fun experience!
  • Comic Books: It can be no surprise to some adults when they think of all the hard work that goes into creating a comic book and see the end product. What’s even more surprising is that more adults don’t try them.
  • Handmade Gifts from Kids: If your child loves to paint, draw, or make things with their hands-this is the perfect opportunity for them.

Cheap Christmas Gifts for Teens

Picture of cheap Christmas Gifts for Teens

Coming up with Christmas gift ideas for teens can be tough. Teens are often too old to play childish games like Monopoly or Jenga, yet they’re not quite ready for more grown-up games like Trivial Pursuit.

There are a lot of inexpensive gift ideas for teens from the mall, but teens often want something more personal and unique to show they are maturing.

If you are looking for cheap gifts for teens, you can try any of these present ideas.

Gift cards are always a huge hit with this age group! Double bonus if you can make it a fun way to spend some time together. Make sure that your teen is comfortable with this idea.

  • iPod Touch / iPhone / iPad Accessories: A new case, screen protector, and a few apps are always great. Whether it’s to show off or just something fun, this is a great idea.
  • Journal: This gift will help your teens reflect on the year and all of the good things that happened!
  • Fun Colors to Write With: The festive design on these pens will make teens want to use them all year round. Fun gel pens are wonderful gifts for all ages; they are inexpensive and come in a variety of colors.
  • Fashion Designer Scarf: This gift will help your teen express his or her individuality while also staying warm during the winter months.
  • Room Decorations: Checking out new colors and themes for the room is a fun way to spend some time together. Plus they may be ready for a change from their younger decor.
  • Makeup: Teens love makeup and skincare items, so make it their job to pick out a few new things they want.
  • Candles: Having a nice scent can help relax and soothe your teen before bedtime. These versatile gifts come in many shapes. It is also how teens feel more grown-up.
  • Hand-Painted Mug: Handpainted mugs are perfect for all the coffee and tea lovers in your house, and they are so easy to make! This can be an experience gift, too!
  • Handmade Jewelry: this is an affordable yet creative holiday present
  • Trendy Socks: These are always a great gift for anyone. Not only does it keep your feet warm, but it can be fashionable too!
  • iTunes Gift Card: Let them download a favorite song or album.
  • Movies: Movies are a great gift to give especially if it’s one of their favorites or they’ve been wanting to see it!
  • Clothing: The recipient will love getting some new clothes-especially if they’re trendy and stylish, or their favorite store has a sale going on that you know about.
  • Special Treat: A special treat is a great way to show someone that you care about them and appreciate all they do.

Cheap Christmas Gifts for Kids

Picture of kids to show cheap easy Christmas gifts for kids

Kids are the most precious gift of all. They’re also notoriously hard to buy inexpensive presents for – they normally want gifts that are outside your price range! Fortunately, these Christmas gifts will have your child smiling from ear-to-ear.

Cheap easy Christmas gifts for kids are especially not difficult to find and you have plenty of inexpensive gift ideas, – plus your bank account will thank you for it.

At the end of the day, kids don’t really care what it costs as long as they like it.

  • Stuffed Animals: Give them the gift of a new favorite toy that they can hug and take with them everywhere-just make sure to tuck in an extra battery for their new favorite toy.
  • Paper & Stickers: A package of paper and stickers is perfect for kids who love to create their own projects or write notes, letters, or holiday cards. This pack is also perfect for young ones who are just learning how to write.
  • Colored Pencils & Crayons: Colored pencils and crayons are a fun way to keep kids focused on their art. These pens will help them create original masterpieces.
  • Customized Shirts: A new shirt is a great way for kids to express their personality, and it can also be an easy outfit of the day solution when they’re running out the door.
  • Puzzles: Puzzles are a great way for kids to learn new skills and stay entertained on rainy days. They also make excellent stocking stuffers!
  • Ice Cream Variety Pack: A yummy variety pack of ice cream will make their day.
  • Play Doh: Kids love play doh, and it’s a great way to keep them entertained for hours! It also makes a great stocking stuffer.
  • Colorful Pens: Kids love to color, so give them the opportunity with some bright new pens! They’ll have fun for hours doodling on all their things.
  • Slime: Slime is all the rage right now, and kids can make their own with this kit.
  • Sippy Cups: Kids love sippy cups because they’re fun and easy to drink from! They also come in a variety of designs and colors.
  • Kitten: They will love this sweet little creature that they can cuddle up with in winter.
  • Fidget Toys: Fidget toys are a great way to keep kids entertained and focused with some fun. They come in a variety of colors and shapes, making them perfect for all ages!
  • Star Night Light: This was one of my daughter’s favorite gifts (even her older teen brother was jealous). Huge hit to light up the wall at nighttime.
  • Remote Controlled Car: A remote-controlled car is a great gift idea because it can be played indoors or outdoors. It also makes for hours of fun!
  • Make Your Own Soap Kit: This kit will allow your child to make their own soaps at home with some fun ingredients. They have a variety of colors and scents available which they can use to customize the soap for their own preference.
  • Board Games for Kids: Board games are a great way to keep entertained while bonding with their friends and family. They come in different levels of difficulty, making them perfect for all ages.
  • Nature Exploration Set: A nature exploration set will help to inspire your child’s curiosity and creativity. The kit includes a journal, binoculars, magnifying glass, and more!
  • NERF: NERF toys are classics for kids of all ages. They’re great to take on family vacations or just to play with friends.
  • Dolls: Dolls are a classic toy for girls and they come in all shapes and sizes. From Barbie to Baby Alive, there’s plenty of options available!
  • Spirograph: A Spirograph can keep kids entertained for hours. They design pictures with the help of an included pen and paper.
  • Rock Painting Kit: A rock painting kit will allow kids to express their creativity by decorating rocks.
  • Bead Kit: A beading kit is a great way to teach kids about colors and patterns. It also teaches patience as they work with the small beads
  • Sewing Kit: Sewing kits allow kids to create their own stuffed animals and clothes for themselves.
  • Drawstring Backpacks: Helpful to keep their stuff organized on outings, vacations, or events when the kids need to be entertained.

Kids love getting gifts, and these cheap Christmas gifts ideas are perfect for any child!

Best Cheap Gifts for the Foodie Cook

picture of a wrapped present for cheap Christmas gift ideas.

One of the most difficult parts about shopping for a gift is coming up with creative ideas.

This list is full of affordable gifts is perfect for that friend or family member who loves to cook and bake!

Here are some of the best cheap gifts for the foodie cook.

  • Charcuterie Board Set: This is the perfect gift for the foodie that loves to cook with meat. It provides an assortment of meats, cheeses, fruits, and bread in a beautiful wooden tray.
  • Mason Jar Set: This gift is perfect for a friend or family member who loves to cook. The set includes six pint-sized jars with lids and can be personalized with the recipient’s name.
  • Salt and Pepper Grinder: This set comes with salt and pepper grinders for the foodie who loves to cook.
  • Gourmet Spices: Spice up a friend’s cooking experience with this assortment of spices from around the world.
  • Frother: Perfect for milk frothing for coffee, lattle, milk shares, hot chocolates, and matcha powder. You need one of these and everyone else around you does too!
  • Mini Stand Mixer: This is a perfect gift for a friend who loves to cook and bake! The mixer comes with attachments such as a whisk, dough hook, and flat beater.
  • Fondue Pot: This pot is perfect for families that enjoy eating together! The set includes a fondue pot, forks, skewers, dippers, and dipping sauces.
  • Cookie Press: This press is perfect for a friend who loves to bake! The set includes a cookie press, dough sheet mold, rolling pin, and recipes.
  • Oven Mitts: You don’t want your foodie gift receipeint to burn their hands. Replace their worn-out oven mitts with one of these stylish oven mitts.
  • Hot Sauce Set: Every foodie needs some hot sauce in their fridge. This set includes 3 bottles of the hottest sauces around, plus a recipe book for beginners.
  • Spice Rub Set: Give your foodie friend the gift of spices especially if they love to grill or have a Traeger! This set includes salt, pepper, cumin, chili powder.
  • Teapot Set: This is for all those tea drinkers out there. This set includes a teapot and infuser ball.
  • Tea Bags: Add on to the teapot set and deliver a set of tea bags with a bunch of different flavors.
  • French Press:  French press brewing prevents an over-extraction of flavors; the grounds only add flavor regardless of how little or how much coffee is steeped. Expand their coffee experience!
  • Coffee Grinder: This is for all those coffee drinkers out there who like to make their own custom blends.
  • Bamboo Cutting Board: Over time, we all have to replace our words cutting boards at some point. So, this makes a chop-worthy gift.
  • Tea Towels: These are great for drying dishes, wiping counters and so much more. Find a catchy saying they will love to display!
  • Sourdough Banneton Proofing Basket: If they are hooked on the sourdough trend, then they need one of these to elevate their breadmaking skills.
  • Bread Lame Scouring Tool: A must for anyone who makes sourdough breads!
  • Batter Bowl: This is a great kitchen tool for mixing batters, making pancakes, and more. It will be a welcome addition to the kitchen!
  • Flour Sifter: This is another one of those necessary tools in the kitchen.
  • Coffee Mug: For coffee lovers, this is a great gift idea!
  • Salt Cellar: This is a nice addition to the kitchen and it will hold those hard-to-reach salt and pepper.
  • Cheese Plane: This tool makes cutting cheese into perfect, uniform slices – making cooking and serving a breeze.
  • Saute Pan: This pan is great for frying, sautéing, and more! It’s perfect for the average home cook or budding chef.
  • Zester: This handy tool is perfect for adding flavor to dishes with just the slightest touch.
  • Meat Thermometer: This is a tool that can’t be beaten especially for the grill master. This one is by far the best on the market!.
  • Pizza Cutter: This is an essential kitchen tool for any pizza lover!
  • Ice cream scoop: This ice cream scoop is perfect for any ice-cream lover. It comes in 2 different sizes of scoops and they come in a variety of colors.
  • Cooking Class: Give them the gift of cooking skills-it’ll be something they can use for years to come!

Best Cheap Gifts for the Homebody

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Holiday shopping can be a stressful time, but not to worry. Here are some great gifts for the person who has everything and doesn’t want anything.

Consider these cheap, homey gifts that will please any loved one or host.

  • Weighted Blanket: For those who love to cozy up with a blanket, this one might be the perfect weight and size for them.
  • Hot Cocoa Mix: This is an easy way to ensure that your loved ones have a delicious treat from their kitchen.
  • Wool Socks: This is a great item to have on hand for the winter months.
  • Tea Infuser: This one will help your loved ones in their journey of self-discovery.
  • Homemade Snow Globe: Grab a this snow globe kit and make your loved ones their own little winter wonderland.
  • House Shoes: A pair of these comfortable shoes will be something your loved ones can wear around the house.
  • Cozy Blanket: These blankets are made to keep you warm and cozy during those cold winter nights.
  • Popcorn Popper: This is a fun gift that they will all enjoy especially on movie night.
  • Jigsaw Puzzle: Give them a puzzle that will keep their mind sharp and occupied.
  • Board Games: More than likely they prefer to have people over to enjoy good old-fashion board games and a night of laughter with friends!
  • Comfy Pajamas: A new set of cozy pajamas is sure to be a hit with the kids.
  • Robe: A new robe is a great gift for those who love to lounge around in their comfiest clothes.

These are some Cheap Christmas Gift ideas for those who are on a budget!

Best Inexpensive Gift Ideas for Spa Lovers

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The perfect gift for anyone who loves to pamper themselves is a spa gift card. Spa gift cards are the perfect present because it gives the recipient freedom over what they would like to do during their stay.

There are many different spa gift cards available on the market, so it is easy to find one that suits the recipient’s personality and budget.

If you can’t find a group of people to go in on this idea, then turn their home into a spa experience.

  • Bath Salts: These are perfect for the person who loves to relax and take baths. All they will need is a nice scented candle or bath bomb, their favorite book, and these salts to make themselves feel like royalty.
  • Candles: These are perfect for the person who loves to relax and read, or just has a nice smelling home. There are many different scents available so it is easy to find one that suits the recipient’s personality.
  • Aromatherapy: This gift idea is perfect for those who want an inexpensive yet thoughtful gift. There are many aromatherapy oils to choose from, but the two most popular would be lavender and peppermint
  • Diffuser: These are perfect for someone who enjoys a deep and restful sleep, as well as those who enjoy shut-eye at night to take away any stresses or worries. A few drops of these oils in a diffuser or humidifier will soothe the recipient and ease them into relaxation before bedtime.
  • Tea: This is perfect for the person who enjoys a good cup of tea. A nice box of loose leaf teas is sure to be appreciated and used for many, many years to come!
  • Cookies: This may seem like a typical and uninspired gift that most people would choose, but it is thoughtful and they will appreciate the thoughtfulness.
  • Scalp Massager: This is great for those with a sensitive scalp. It helps to soothe the skin and will leave them feeling relaxed
  • Shower Speaker: This is a great gift for someone whose favorite song isn’t Top 40. They will be able to listen to their music while they shower.
  • Manicure Dip Starter Kit: This is a great gift for those who love to paint their nails
  • Hyaluronic Acid: Help maintain the hydration of the outer layers of skin, which helps to improve its appearance.
  • Hair Mask: This is a great gift for someone who loves to pamper themselves, especially if they are in need of moisture.
  • Lip Sleeping Mask: A gentle overnight moisturizer for dry, sore lips.
  • Microfiber Hair Towel Wrap: This is a great gift for someone who spends a lot of time in the pool or at the beach. It is quick and easy to help dry your hair faster.
  • Handheld Massager: Seriously, this is the best gift ever. Plus the cost has been coming down each year.

Cheap Gift Ideas for the Fashionista

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If you are looking for an affordable, fashionable gift idea that is also fun and creative then this list has something to offer you.

Here are some ideas for the fashionista on a budget.

  • Scarf: Scarves are always in style and can be found anywhere. You can get a nice one for only about $25, depending on the brand.
  • Tote bag: A tote bag is a necessity for school, the mall, and even just running errands around town. You can find them anywhere from $5-25 depending on what type you want.
  • Pandora Bracelet: The Pandora bracelet is a beautiful piece of jewelry that can be bought with any budget in mind, and it’s a great option for people who want to give something that will last. Great gift to add charms each year.
  • Earrings: Earrings can be a great gift for someone you know who is really into fashion. You can find them at the drugstore or even in some clothing stores, and they cost anywhere from $5-20.
  • Belt: A belt is great for someone who doesn’t have too many accessories, or if you just want to spice up an outfit with a new piece of jewelry.
  • Hair Clips: Hair clips are a great gift for someone who spends most of their time at home because you can clip them in your hair to keep it out of the way while you do chores. Also, great for those trendy messy up-dos!
  • Felt Hat: A felt hat can be a great gift for someone who goes to the beach a lot, or just likes wearing hats because it’s cold outside. They last longer than other types of material and they can be a really inexpensive gift.
  • Jewelry Dish: Find a small dish at the dollar store and decorate with paint or fabric to make it look pretty!
  • Re-gift Jewelry: Add jewelry from your old collection that you don’t wear anymore (maybe some old costume jewelry?).
  • Sunglasses: Sunglasses are one of the most popular Christmas gifts, and they can be found cheaply at many stores. I bought a pair for under $15!
  • Watch: Watches can be found at many stores for a cheap price. Watchmakers are competing to lower their prices as they try and go against the trend of cell phone watches, which is why you can find a nice watch for under $10.
  • Sweatshirt: A good sweatshirt is a woman’s best friend. It will keep you warm during the winter and can easily be dressed up or down depending on what you’re wearing-It doesn’t have to be too expensive either, with most stores having sales or clearance racks that are perfect for picking up gifts.
  • Nail Polish: The best thing about nail polish is that you can buy it in a lot of sizes, from the little bottles that are perfect for stocking stuffers to larger ones that come in packages of 5 or more. Great stocking stuffers!
  • Yoga Pants: We all know yoga pants are a girl’s best friend. But, y’all the prices of these yoga pants are amazing, and did I mention how many I have given as cheap gifts?!?!
  • Winter Gloves: Some people might think winter gloves are odd to put on a Christmas list, but they make such great stocking stuffers!
  • Shopping Bag: This is a great present for someone who likes to shop! I know what you’re thinking, “how do they not have one?”
  • A New Outfit: Even if the person you are buying for is not a fashionista, clothes still make great gifts. And if you know what their favorite style of clothing is then nows the time to indulge them in some new clothes!

Some suggestions are old and some are new, but all of them will be perfect for the person you want to give a gift to.

Cheap Gift Ideas for the Makeup Artist

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Check out these cheap beauty Christmas gifts for the makeup artist on your list. These are great for anyone that has a budget of $10 or less.

  • Makeup: Find out what brands your friends, family members, or classmates like and buy them the makeup in that brand. You can find this information at their favorite retailers or by asking around to see which brands they wear.
  • Nail Polish: Buying nail polish as a gift is a great idea because you can buy them the exact color they want to wear and it’s usually not too expensive.
  • Perfume: If your budget is $10 or less, you can buy a nice perfume that smells great and it will be something they use often.
  • Bath Bomb: If you’re shopping for someone who needs to relax, then a bath bomb is the perfect gift.
  • Specialty Coffee Mug: You can find these for fairly cheap and they’re something that people will use every day so it’s great. Find a fun coffee mug with an artsy flair!
  • Lip Stain: Lip stains are a really popular product because they’re long-lasting and come in so many colors. This is perfect for someone who loves makeup!
  • Makeup Brushes: Any good makeup artist knows the quality of the brush makes a difference. You can find a decent brush at an affordable price!
  • Silicone Makeup Sponges: These are perfect for applying makeup evenly and providing coverage.
  • Reusable Beauty Products: For the eco-conscious, find plenty of reusable beauty products. You will be surprised at this list.

Gather all of these makeup supplies and put them together for a creative gift basket!

Cheap Gift Ideas for the Athlete

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Sweating is gross, so this guide has come to help! It’s tough when you have an athlete in the family because they are always on the move.

Athletes will have to replace their equipment and clothing because of use.

Here are some nice, thoughtful gift ideas for the athlete on your list!

  • Water Bottle: Sometimes I feel like I can never have enough water bottles!
  • A pack of compression pants: I wear them for my sport because they help with the swelling and protect against injury.
  • New backpack: I use mine all of the time!
  • Headphones: These allow people to listen to their favorite music or podcast while getting the sweat on.
  • Full-zip fleece jacket: I love being able to bundle up when it gets cold! This is a thoughtful guide for the athlete on your list for before and after workouts.
  • Polarized Sunglasses: These help protect eyes from glare and add style to any outfit.
  • Music Subscription (ad free): This is a great gift for the athlete who loves music!
  • Yoga Mat: Yoga mats are great because they’re environmentally friendly and also come in a bunch of different colors. Sometimes it’s nice to be able to stretch out and do some poses on your own. Plus the experts say we should stretch every day.
  • Sports Watch: Preferably with stopwatch and alarm clock. THey need to time those tabata crossfit workouts.
  • Running Gloves: These are thoughtful gifts for someone who loves the outdoors and running.
  • Foam Roller: A great gift for the athlete who is looking for a little bit of extra relief.
  • Folding Bike: This is a thoughtful gift idea for someone who loves to bike ride but doesn’t have space for a bike. This one is more expensive, but a great idea to go in with others on!
  • Sports Massage Oil: This is a thoughtful gift for the runner, cyclist, or anyone who gets sore muscles. Pick a hand massager to go with it!
  • Camouflage Pillow: This is a great present for an outdoorsy person who has their head in the clouds.
  • Good Socks: Have you ever smelled the stinky socks?!?! Enough said.
  • Sports Tape: The runner in your life will need this present to keep them on the go.
  • Sports Bra: This is a great present for someone who participates in any activity that requires it! One that fits well and is made of quality materials. Plus an affordable price!
  • Fleece Headband: This is a great present for the runner in your life who also likes to wear their hair up when they’re not running.
  • Yoga Pants: This is a great present for someone who likes to keep their activities active. Or just wears yoga pants every single day to be trendy. No one needs to know why! These are my favorite brand.
  • Athletic Shorts: This is a great present for the person in your life who likes to wear their athletic shorts outside of working out. Plus, come on it’s not like they’re going to be wearing them over clothes so people would notice.
  • Resistance Bands: These are great for the person who likes to keep their workouts active, but doesn’t have a ton of space.
  • Light Set of Weights: Everyone needs to have some weight training as part of their workouts. Pick up three or five pound weights to help them reach their workout goals.
  • Armband for Phone: When you workout, you may want to keep your phone with you to track the steps or distance you worked out. This is an armband to keep your phone and simple enough to change your workout music.
  • Latest Fad Cookbook: In need of a great gift idea for the person in your life who likes to cook but always seems to have not-so-perfect dishes? This is perfect! Gift them this latest fad cookbook and they’ll be able to make all the popular, Instagram-worthy dishes that you see on TV.
  • Sneakers: Maybe you are lucky enough to score a pair of comfortable, breathable athletic sneakers on clearance!

I’m sure they’ll be appreciative of any one of these gifts!

Cheap Gift Ideas For Teachers

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This list of cheap teach gifts for Christmas will help you choose a thoughtful and useful present that won’t break your budget.

  • Essential Oil Set: A true favorite for teachers who like to use aromatherapy in their classrooms or at home. This is our favorite essential oil set.
  • Stress-relief Hand Sanitizer: Teachers are always on the go, so they can use a little help to keep them stress-free. Plus, germs are no fun for anyone!
  • Personalized Mask Lanyard: Personalize your teacher’s mask with their name, school mascot or work logo.
  • Tiger Balm: This is a classic product for teachers and athletes alike! Tiger balm will help soothe your aches and pains.
  • Lounge Pants: Nothing reminds a teacher of home like their favorite TV show! A few years ago my mom gave me a really cute pair of lounge pants and I still wear them. The cut is oversized with pockets for my phone and remote which make it perfect for relaxing on the couch.
  • Smart Plugs: These plugs can be controlled on an app from anywhere. That means the teacher doesn’t have to worry about forgetting to turn their lights off before they left for work.
  • Personalized Stamp: A teacher’s stamp of approval is the best kind. This personalized stamp will help teachers quickly get through their paperwork.
  • Amazon Gift Card: Teachers deserve to take a breather and use some of their hard-earned cash on themselves. A gift card is the perfect way for friends or family members to say “thank you.”
  • Wireless Headphones: Music is a great way to get the energy going and keep kids psyched up, but it can be tough when they’re working on group tasks. Wireless headphones like these ones from Sony
  • Day-by-day Calendar: The last thing teachers need is to scramble for a blank piece of paper whenever they want to jot down notes. The day-by-day calendar is perfect because it’s got enough space for writing, but it’s compact enough to tuck into a drawer.
  • Magnetic Dry Erase Whiteboard: After all the long hours spent at school, who wouldn’t want their own personal whiteboard where they can write, draw, and erase?
  • Lunch Boxes: There is nothing better than a home-packed lunch. These stainless steel containers are compact enough to carry with you, but they’re also roomy enough to hold a sandwich, fruit, and veggies.
  • Educational Activity Books: If you’re looking for something that’s not only fun, but chock full of learning activities and information, these books are perfect for further learning.

Cheap Christmas Gifts for Mom or Her in your life

Picture of a mom for cheap Christmas gifts for her

All of these are great inexpensive ideas for buying on a budget

Shopping for a great gift for women or moms can be hard, but not too much with these affordable options.

  • Little Succulents: This is a cute DIY gift. All you need are succulents, a pot with dirt, and some other accessories if desired.
  • Bath Bombs: These are great for anyone, including people who enjoy a good bath every now and again. They come in various scents so you can find something that is sure to please.
  • Chapstick: This is perfect for the person in your life who always has chapped lips or complains about dry skin on their hands when they are outside too long during winter months.
  • A Book: It may seem like the most unimaginative gift, but it’s perfect for someone who enjoys reading and is looking for something they haven’t read yet. Books are also a great way to get someone hooked on a series so you can recommend their next read.
  • Slippers: These are perfect for the person in your life who is constantly complaining about how cold their feet are.
  • Candles: This is a perfect gift for someone who enjoys relaxing or reading after dinner and the scent fills up the whole house with aromatherapy benefits.
  • A Scratch Off Map: This is a great gift for someone who enjoys traveling or seeing the world. It’s very personalized and they can see how many countries they have visited.
  • A Coffee Mug: This is a great gift for the coffee lover in your life. You can put anything on it such as their favorite book, television show or artist and they will be reminded of you every time they drink their coffee.
  • A Memory Blanket: This is a great gift for people who are always cold and it can go with them anywhere in the world because it folds up easily.
  • A Personalized T-shirt: This is a great gift because it’s very personal and you can put anything on the shirt that has meaning to them such as their favorite sports team, favorite food, or where they have traveled.
  • A Personalized Finger Drum: This is a great gift for anyone who loves to play drums because it has their name engraved right on the drumhead.

Cheap Christmas Gifts for Men

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The following items are inexpensive and will make any man, dad, or boyfriend insanely happy! The cheapest gifts can be the best!

Here are some budget-friendly, manly, fun, and creative ideas for Christmas presents.

  • A New Shirt: You can find many options for cheap shirts. Grab one with a funny saying he would enjoy for an out-of-the-park win!
  • Belt: Belt prices vary by brand, but can be found for as low as $10.
  • Wallet: Wallets can also vary by brand and cost, but often end up being around $15.
  • New Socks:: Many men enjoy their sock collection. You can always add on to replace their worn-out socks.
  • A Tie: Ties can be found for as low as $5.
  • Watch: The watch market is a tough one to navigate, but if you know your partner’s style and budget beforehand it can be easier to find what you’re looking for.
  • A Tie Clip: You can usually pick one up for $5 or less, and it’s something that he’ll wear every day!
  • Old-school Vinyl Record Player: Old school vinyl is making a comeback and can be found in all sorts of different styles.
  • Latest Board Game: Board games are always a fun gift idea. You can pick up the latest hot game for less than $20
  • A Good Book: A good book is always a great gift idea. You can find them for as low as $5 and books are something that never goes out of style!
  • Cash: Let’s be honest… most men like to have the cash to spend as they please with no questions asked.

Cheap Christmas Gifts for Friends

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You may not have a lot of money for this Christmas, but that doesn’t mean you can’t give your friends something thoughtful.

These inexpensive items may not be the most lavish of presents to give a friend this year, but they are sure to be appreciated and useful!

  • Whimsy Kit: A Whimsy Kit is a small package that includes activities such as drawing, coloring, and collaging. It can be used in classrooms or at home to relax and have fun.
  • Poster Board & Markers: A poster board and markers are perfect for making holiday cards to send out or decorating with a festive design.
  • Fun Scrapbook Pens: Fun pens are a wonderful gift for any age to bring color to their writing, coloring, or journaling.
  • Scented Candles Kit: Scented candles can be used for the holidays, but they also make a great gift for any time of the year. The smell will bring a warm and cozy feeling into your home.
  • Gold Foil Blanket: A gold foil blanket is perfect for snuggling up in the car when you are stuck in the car!
  • Cute Pillow Case: A new pillowcase is a fun way to change things up in your bedroom or living room. The best part about these gifts are that they can be given with other items, like the gold foil blanket or a fun pillow.
  • Comfy Socks: When it’s cold outside, there is nothing more comforting than a good pair of socks. These make a great gift for someone who spends most of their time at home or just loves to relax.
  • Bracelets: Jewelry is a great way to show someone you care. Bracelets are not only cute but they go with any outfit!
  • Christmas Ornament: A Christmas ornament makes for the perfect stocking stuffer. They are usually inexpensive and they can be used year round to decorate your home for the holidays.
  • Christmas Fun Pack: It is always fun when Santa sends a surprise in the mail, so why not surprise your friends with a Christmas Fun Pack!
  • Shower Steamers: These will make a great gift for someone who is your best friend, especially if they like to take long showers.
  • Flashlights: These are fun and practical gifts that will come in handy during the dark days of winter.
  • Tissue Box Covers: A unique and inexpensive gift for the person who has everything, these tissue box covers will make any house seem a little more homey during cold winter months.
  • Chocolate: For the person that has everything, you can’t go wrong with some chocolate.

Cheap Christmas Gifts for Coworkers:

Pictures of holiday decor for cheap Christmas gifts for coworkers.

A quick, easy, and affordable way to get the perfect gift for your coworkers this Christmas is by giving them a coworker appreciation gift basket.

These inexpensive gifts are great for bosses or employees. They can be personalized so it’s a gift that will really stick with your coworkers.

  • Planner: This is a great way to give your coworkers something they will really use. They can write down their goals, schedule, and use it as a to-do list.
  • Personalized Stationery: This is such an adorable idea and can be so much fun for everyone involved. These are the perfect gifts that will make your coworkers feel special this holiday
  • Putting Green: This is a great gift that they can use to practice their putting skills in the comfort of their own office.
  • Desk Organizer: A desk organizer is a great way to start your day off with a clean and organized workspace.
  • Timeless Candle: This candle helps you enjoy the holidays or winter season while relaxing in the office.
  • Coffee Mug: Every office needs a good coffee mug to stay energized and motivated throughout the day.
  • Personalized Mouse Pad: You could get them their favorite movie, sport or hobby as a personalized mouse pad and they’ll enjoy using it every day at their office.
  • Luxury Pen: This is the perfect gift for that person who has everything and needs something to help them write down their thoughts and ideas.
  • Desk Lamp: A desk lamp can help you read in your office when it’s dark outside so all the daylight hours are available for working on projects or catching up on paperwork.
  • Ink Pen: This is a great gift idea for anyone who likes to write or doodle. You could get them this as a refillable pen and they can use it to write down their thoughts or ideas.
  • Laptop Tote Bag: This is the perfect gift for anyone who likes to travel and needs something stylish but functional to carry everything in one place.
  • Plant pot & planter: This is a great gift for someone who likes to spend time in their garden or on the porch. You could give them this as an opportunity to grow something new and have something beautiful in their office that is all their own.
  • Journal: This is a classic gift that people like to get for themselves or others. You can find many different styles and sizes of journals, making it easy for you to find the perfect one for your recipient.
  • Watercolor set: This is a great gift if you know someone who loves to paint or draw. It is an opportunity for them to tap into their creative side while also having the materials that they need to create something beautiful or special for someone else.
  • Keychain: This is a great gift for anyone because everyone needs keys! You can get them a keychain that has their name on it, or you can get them a cute one for someone they love.
  • Laptop sleeve: This is a great gift for anyone who has to have their laptop with them at all times. They come in so many different colors and designs, so you can find one that fits your friend or family member perfectly!
  • Monitor riser: If you know someone who has a desk job, they’re probably struggling to stay focused on their screen. This is the perfect gift for anyone who spends time at work looking down all day!

Best Cheap Christmas Gift of them All – Gift Card:

Picture of gifts for the best easy cheap Christmas gift ideas.

A gift card is a prepaid credit or debit card that can be spent in any number of stores, restaurants, and other venues as desired by the purchaser.

This option is great for people who are the “hard to buy for” type.

Even a $10 or $20 gift card to somewhere they like is better than a gift to sit on the shelf unused.

Giving a gift card is always an easy way out, but it can be more useful than materialistic gifts they may not use.

You can never go wrong with a gift card to their favorite store!

You can Buy Cheap Christmas Presents that Look Expensive

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I know that this time of year can be so busy and stressful. It’s hard to find the perfect gift for everyone on your list, especially when you have a tight budget. But there are so many fun and creative ideas that won’t break the bank.

You’ll find the perfect gift for everyone on your list!

Hopefully, you can find cheap Christmas gifts under $20 or less. Most of these power ideas you can pick up on Amazon or Etsy.

Christmas is often a time where people try to get the best gifts for their loved ones. In order to make these gifts more affordable, it’s smart to think about ways that can lower expenses.

One way to do this is by choosing gifts that can be combined with other items. Or even choosing a no gift Christmas.

It is always fun to give a gift to someone special on Christmas. However, sometimes you feel uncertain about what the perfect present is for somebody else.

We hope you’ve enjoyed our cheap but thoughtful Christmas gift ideas!

With these items, your loved one will have a great Christmas! Be sure to check our blog for more money saving tips!

Need More Inexpensive Christmas Gift ideas?

We all want to give gifts that are thoughtful, stylish, and affordable. These cheap Christmas gift ideas offer all of that, plus they are inexpensive to buy. Broke at Christmas time isn't fun. Learn how to get awesome gifts when broke. DIY and free ideas for women, for guys, for friends, for men, for kids. These money saving tips will help your Christmas budget.

Know someone else that needs this, too? Then, please share!!

Source: moneybliss.org

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Apache is functioning normally

June 9, 2023 by Brett Tams

We at The Motley Fool have always been champions of the individual investor, encouraging each person to take control of her or his financial destiny. In theory, the transition of America’s retirement apparatus from defined-benefit plans — i.e., pensions that pay a monthly amount — to defined-contribution plans — such as 401(k)s and 403(b)s — is consistent with this Foolish philosophy. The individual makes all the contribution, investment, distribution, and inheritance decisions, whereas with a defined-benefit pension, the worker has very little control.

However, for the majority of Americans, the transition away from defined-benefit has not been to their benefit. It requires each person to become an investing expert and financial planner in their spare time, and too many Americans don’t seem to have the time, interest, inclination, or skills.

According to the Employee Benefit Research Institute, the average 401(k) account is a tad over $60,000; those within a decade of retirement have a bit more, with an average balance of $78,000, but more than a third have less than $25,000. Almost half of workers (43%) between the ages of 45 and 54 reported they weren’t saving anything for retirement.

Not that traditional defined-benefit pensions don’t have their own problems. Many are underfunded, and the benefits accrue mostly to workers who stay with the same employer for many years, which is less common in today’s mobile workplace. But it’s clear that 401(k)-based retirement planning will result in not much of a retirement for many workers.

We can chalk a good deal of this up to people not taking responsibility for their finances, but the problem also lies with the 401(k) system itself. Employees are stuck with the plan and the investments that have been chosen by the employer and/or HR department (who may be fine people, but not necessarily investment experts). Too often, the fund choices are mediocre or worse, and the costs are high.

Get Ready to Look Under the Hood
Unfortunately, you likely don’t know the true costs of your 401(k). They’re hidden in boring legal filings or embedded in the expense ratios of the mutual funds within the plan. But that’s all about to change.

Beginning later this year, 401(k) plans will be required to disclose how much the administration of the plan and the investments is costing participants. This is important information, since — according to human resources consultant Towers Watson — an increase of 0.5% of expenses (i.e., $50 for every $10,000 invested) could consume eight years’ worth of savings for an above-average earner. After all, the $30 billion to $60 billion the financial-services industry makes from 401(k)s each year doesn’t grow on trees; it’s usually taken directly from investors’ accounts.

The amount of fees being extracted from 401(k) accounts may be shocking to some investors. Indeed, many might be surprised they’re paying fees at all, if an AARP survey is to be believed, which found that 70% of worker didn’t know they were paying fees. Alas, that is just not the case.

With the new disclosures, it will be easier to see what you’re paying, and whether that’s too much.

Generally, smaller plans pay higher costs — “smaller” meaning both the number of plan participants as well as total assets in the plan. According to a study [PDF] conducted by Deloitte for the Investment Company Institute (a trade organization for the mutual fund industry, so not necessarily an unbiased crew), the median all-in cost — which includes administrative costs as well as investment expenses — to plan participants in 2011 was 0.78%. But the numbers vary widely, with plan size being the primary factor.

The median cost for a plan with more than $1 billion in assets was 0.38%, whereas the median cost for a plan with less than $1 million was 1.41%. Similarly (and relatedly), the median cost for a plan with fewer than 100 participants was 1.29%, compared to 0.43% for those with more than 10,000 participants.

You can use those figures as a benchmark to determine where your fees fall in relation to other plans. Then, figure out who’s paying those fees — you or your employer. Chances are, it’s the person you see in the mirror (unless your boss follows you into the bathroom, which is kinda weird). According to the Deloitte study:

[P]articipants bear the majority of 401(k) expenses. Similar to any other employee benefit (e.g., health insurance), the employer determines whether the employee, employer, or both will pay for the benefit. According to the Survey, on average, participants pay 91% of total plan fees while employers pay 5% and the plans cover 4%. This compares with participants paying 78%, employers paying 18% and plans paying 4% in the 2009 Fee Study.

In other words, employees are paying the majority of fees, and the share that they’re paying is going up.

Are you getting your money’s worth from your 401(k)? Here’s how to find out, and what to do about it:

  • Evaluate your investment choices. See if the funds in your plan, over the past five years, have beaten a relevant index fund as well as the majority of other funds with a similar investing objective. This information may be found in your quarterly statements or on the website of your plan provider. Important note: Your funds’ mileage may vary from the information on Morningstar or other fund-info sites since funds in 401(k)s often have additional costs.
  • Use the side brokerage account, if offered. Approximately 20% of 401(k)s allow participants to open an account with a discount brokerage within the plan. This will let you buy individual stocks, bonds, ETFs, and other mutual funds. However, compare the benefits to the costs, since these accounts often have higher maintenance fees.
  • Advocate for a better plan. Talk to the folks in your HR department and raise your concerns. After all, their retirement is on the line, too, and they should also be motivated to have the best possible plan. Here’s an example of a letter you can write to ask for a better plan.
  • Don’t ignore other accounts. If your 401(k) is stin(k)y, contribute just enough to take full advantage of the employer match, and then max out an IRA with the discount brokerage of your choice. You might pay lower costs and have more investment options. However, if you are in a higher tax bracket — and thus ineligible for the Roth IRA, and your contributions to a traditional IRA wouldn’t be deductible — then it might make sense to invest in non-dividend-paying stocks you’ll hold for many, many years. You don’t get a tax break up front, but you’ll pay long-term capital gains when you do sell, which (at least according to current laws) are lower than the taxation rate on ordinary income (the rate at which your paycheck and traditional 401(k) and IRA distributions are taxed).
  • Move your money. You generally can’t transfer the money in your 401(k) to another account while you’re still working for the employer sponsoring the plan, but some companies allow it, especially for older workers. If your plan is sub-par, ask if your employer allows “in-service distributions.” If so, or once you leave that employer, transfer the money to an IRA. But do not just get a check and cash it; that is considered a distribution, which will be subject to taxes and a 10% penalty if you’re not 59 ½ years old. Instead, get the money to an IRA, ideally through a “trustee-to-trustee transfer,” in which the money is sent directly from your 401(k) to the IRA.
  • Get help. If you’re looking for professional advice with your investment choices, look for a fee-only planner who charges by the hour, such as the Certified Financial Planners at the Garrett Planning Network or the National Association of Personal Financial Advisors. She or he can also estimate whether you’re saving enough to retire when and how you want.

Hug Your Boss, Then Make the Request
Employers deserve credit for sponsoring retirement plans. They don’t have to do it, it consumes the HR department’s time, and it might even cost them actual money. I’m on the 401(k) committee of The Motley Fool (where the company covers all administrative costs, thank you very much), and I can tell you that it’s more work than most people would think.

But don’t be bashful about politely asking for a better plan. No one is planning your retirement for you, and no one cares more about your retirement more than you do. The more your retirement will rely on your own contribution and investment decisions, the more you must take charge.

Source: getrichslowly.org

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Apache is functioning normally

June 9, 2023 by Brett Tams

I am sick. For the past ten days, I’ve been wrestling with a high fever, a cough, a persistent sore throat, and a general malaise that’s kicking my ass. Basically, I’m the sickest I’ve been in over a decade. (The last time I was this sick? The evening that The Fellowship of the Ring premiered. I went to see it with friends, but don’t remember a thing about that night because I was sick with a high fever. High fevers suck!)

Normally, I don’t go to the doctor. My family has a funny thing about doctors, and usually prefer to let an illness run its course rather than to pay a doctor to tell us to “let the illness run its course”. Last Tuesday, though, I decided that sometimes discretion is the better part of valor. After four days with a high fever, and after sensing that something wasn’t quite right with my lungs, I drove myself to urgent care.

“You have the flu,” the nurse practitioner told me. “And it’d be even worse if you hadn’t had your flu shot. As it is, you may have pneumonia. It’s been going around.”

She prescribed an inhaler, steroids, and an antibiotic, but she seemed skeptical that they’d help. “Make sure you call us if things don’t improve,” she said. “In the meantime, you need to spend 72 hours in quarantine. You don’t want to give this to anyone else, and you don’t want to catch anything else that might be going around.”

So, for three days last week, I confined myself to my apartment.

Hunting for Health Insurance

But this article isn’t about how sick I’ve been. This article is about my quest for health insurance. Earlier this year, I promised to share my experience as I looked for an individual policy.

As background, I’ve always had insurance through Kris. Because we were married, my insurance was covered by the policy she had through her employer. And before that — long before that — I was on my parents’ health insurance. For 43 years, health insurance has been a non-issue for me.

That changed, though, when I asked for a divorce last autumn. I knew that I’d have to find my own coverage. In fact, Kris wouldn’t allow the papers to be filed until I could demonstrate I had replacement coverage.

“No problem,” I thought. “How hard can it be to find health insurance? I’m the healthiest I’ve been in my life!” Haha. Turns out, it’s not as easy as it sounds.

A Wild Goose Chase

My first stop was eHealthInsurance.com. Many people (including several GRS readers) had recommended this site as a great way to compare health insurance and to apply online without much hassle. It sounded perfect. Before Kris and I left for our trip to South America in February, I filled out an application. It seemed simple, and I had no doubt I’d be approved.

I wasn’t.

My plan options at eHealthInsurance
Some of my options at eHealthInsurance

While we were in Argentina, I got an e-mail that said my application for health insurance had been rejected, but didn’t offer any explanation. When I got home, there was a letter waiting for me in the mail that gave more detail. Turns out, I had a pre-existing condition that caused my application to be rejected. Five years ago, when I was fifty pounds heavier, I suffered from sleep apnea. Sleep apnea is a risk factor for other diseases, and insurers don’t like it. Never mind that I no longer have sleep apnea, that I’m fifty pounds lighter than when I had it, and that my health has never been better. There’s no way to convey that info on an application. Instead, I was turned down for health insurance.

Fine.

I went back to eHealthInsurance.com to apply for a different policy, but there’s a question on every application: “Has any other carrier turned you down for health insurance during the past 90 days?” It turns out that once one carrier turns you down, all carriers will turn you down. (This isn’t strictly true, but it’s mostly true.)

Fine.

I decided that my best bet was to just just continue receiving coverage through my same carrier. My logic was impeccable: I’d been with them for years already and they knew my medical history, so surely it would be a piece of cake to carry things forward. Again, this didn’t turn out to be true.

I called my carrier to ask about porting my policy from Kris’ work account to individual insurance. “We can’t do that,” they told me. “You have to call the employer that has the policy.” So I did. But Kris’ employer told me they couldn’t port it forward either. “Your only option is COBRA,” they told me. (COBRA is ongoing medical insurance available when your existing policy ends. It’s expensive.)

I’m telling this story in a calm, even-handed fashion, but I wasn’t feeling calm and even-handed during the process. I was feeling frustrated. I couldn’t figure out where to turn.

Finally, I started talking about my health insurance dilemma with everyone I met. I asked my self-employed friends what they do for health insurance. (Shocking but true answer: Most of them don’t have health insurance. No joke.) When I met other folks who’ve been through a divorce, I asked how they handled the health insurance question.

In the end, it was my colleague Mark Silver from Heart of Business who provided the answer. “I used an insurance broker to find health insurance,” he told me. “Here. I’ll give you his contact info.”

Taking Matters Into My Own Hands

Because I hate e-mail conversations and because I hate getting the run-around by phone, I tend to prefer face-to-face business transactions. Yes, they take more time, but I find them easier. It’s possible to discuss shades of grey and to explore multiple possibilities in person. For this reason, I drove across Portland to visit Ron Tate at Tate Insurance Services. I explained my situation.

“I need health insurance,” I said. “But I only want catastrophic insurance. I’m willing to self-insure almost everything.” Because I have substantial savings, I’m willing to pay more for routine coverage if that means my monthly insurance premiums are low. In the long-term, this should save me tons of money.

“No problem,” Mr. Tate told me. “We have several options.” He walked me through them. I chose the option that seemed to offer the best balance of cost and coverage, filled out the application. And waited. And waited. And waited.

After a week of waiting, I got word that my application had been rejected. Again. And again because of sleep apnea. “We have a couple of options,” Mr. Tate told me. “Because you’ve been rejected, you qualify for the Oregon Medical Insurance Pool, which is for high-risk customers like you. It’s nto cheap though. Or you can apply elsewhere. Or we can ask for an exclusion for the sleep apnea. That means you won’t have coverage for that condition, but everything else will be normal.”

“To be honest,” I said, “I just want to get this finished. I feel like I’ve been working on this for weeks, and I’m tired of it. It shouldn’t be this hard to get health insurance.”

My plan options at my insurance provider
My plan options at my insurance provider

In fact, I was so frustrated that I went home from Mr. Tate’s office and took matters into my own hands. I did what I should have done from the start. I went to the website for my current carrier and filled out an application for personal health insurance. I chose the cheapest policy (which still costs $128 a month!) and indicated I was a current customer. And then I waited. Within a couple of days, I’d heard back that my application was approved.

An Unhealthy System

That’s a long, boring story, I know, but I’m certain it’s typical of what everyone goes through when attempting to find health insurance on their own. It’s not easy. In fact, it seems a little crazy that it takes that much work to get coverage.

During the process, I spoke with dozens of people about their own experience getting insurance, or about their experience with family members who’ve had to use health insurance lately. I’ll be honest: I came away jaded. I’m far from being a socialist, but there’s no question in my mind that the current health insurance system in the U.S. is broken. It’s tough to find coverage, that coverage is expensive, and once you have it, it’s like a game for the insurance companies to get out of paying. This is dumb. I’d be happy to try some sort of socialized medicine as an alternative, and so would every single person I spoke to during this process. (But, of course, I live in Portland where even moderates like me would be considered liberal in other parts of the country.)

And, of course, the conclusion of this story is that I had to put my insurance to use last week. I have no idea how much my doctor’s appointment, x-ray, and prescriptions would have cost without insurance (and neither do the doctors, actually), but I do know that my total out-of-pocket cost was $29.26. (This may go up after the insurance company decides whether I owe more, but that’s the current total.)

I’m still not healthy. There’s still gunk in my lungs. I’m still running a mild fever. I still feel like sleeping all day. But it’s good to know that if I do need medical help, I have the insurance situation sorted out.

Source: getrichslowly.org

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Apache is functioning normally

June 9, 2023 by Brett Tams

With the average cost of college currently at $35,551 per year, most students have no choice but to take out student loans. Whether you go to a public or private university in or out of state, you’ll probably need at least a little help. And we’re here to help you get it.

Students might turn to private student loans instead of or in addition to federal student loans to help cover the cost of tuition and boarding. So how do you choose between the many private lenders — including banks, credit unions, and online marketplaces — out there? We’ve compared many of the top lenders to find those with the best rates, repayment terms, range of options, and more.

But enough suspense. Let’s dive into the best private student loans for you.

What’s Ahead:

Best private student loans

  • Best for flexible repayment terms: SoFi
  • Best for low rates: Credible
  • Best for no cosigner: Ascent
  • Best for cosigner: Earnest
  • Best for graduate students: Sallie Mae
  • Best for student loan refinancing: Splash Financial
  • Best for multi-year approval: Citizens Bank

Best for flexible repayment terms: SoFi

  • SoFi logoFixed APR range – 3.99% – 8.24% APR (including auto-pay discount of 0.25%)
  • Variable APR range – 3.99% – 8.24% APR (including auto-pay discount of 0.25%)
  • Fees – None
  • Prepayment penalty – None
  • Minimum – Minimum $1,000
  • Maximum – Full cost of attendance
  • Loan terms – 5, 7, 10, or 15 years
  • Forbearance – Up to 12 months
  • Minimum credit score – 650

SoFi is a peer-to-peer lender offering private student loans for both graduate and undergraduate students. They also provide private and federal student loan refinancing for those who meet citizenship, employment, credit, and income requirements (minimum $5,000).

SoFi stands out for offering more repayment terms than most as well as the option to put membership points toward your loan balance. You have four repayment choices: 

  • Defer monthly payments until six months after you graduate
  • Pay only interest while in school
  • Make fixed monthly payments of $25 while in school
  • Start making regular monthly payments toward the full balance right away

And should you need student loan relief, SoFi provides Unemployment Protection of up to 12 months to qualified borrowers.

There are two discounts available that can help reduce the cost of your loans. The first is a 0.25% interest rate discount when you schedule automatic payments and the second is a 0.125% rate discount for previous SoFi borrowers.

You’ll need at least fair credit to qualify for a private student loan with SoFi, or you can apply with a cosigner for a better chance of approval. We encourage you to check your rate with no effect on your credit. SoFi offers cosigner release after you’ve made 24 consecutive payments toward the principal and interest.

Read our full review.

Best for low rates: Credible

  • Credible logoInterest rate range – starting at 4.44% fixed APR (with autopay)* and 4.74% Var. APR (with autopay), See Terms*
  • Fees – None
  • Prepayment penalty – None
  • Minimum – $1,000
  • Maximum – Full cost of attendance
  • Loan terms – 5 – 20 years
  • Forbearance – Varies by lender
  • Minimum credit score – Varies by lender

Though not a direct lender, Credible is a good place to go if you’re looking for a private student loan. Credible is an aggregator that partners with top lenders including Sallie Mae, Citizens, Ascent, and more to show you many student loan offers in one place. This is an especially great option if you don’t really know where to start because the platform begins by asking you questions to understand your needs, then shows you what you might qualify for.

To compare your options, you’ll fill out a single application to receive offers from up to eight different lenders. This will show you personalized rates you prequalify for to help you easily find the lowest ones. Although you won’t know your final rate until you actually apply to borrow with your chosen lender, this can give you a good idea of what you might pay. Using Credible to shop loans and check your rate does not affect your credit and the application takes just a couple of minutes to complete.

The Credible Best Rate Guarantee means that if you find a lower interest rate with another lender, you may be eligible for a $200 “Best Rate Reward.”

Credible’s partners do not charge origination fees or prepayment penalties. Also, all eight make it easy to apply with a cosigner and offer cosigner release to eligible borrowers.

Read our full review.

Credible Credit Disclosure – To check the rates and terms you qualify for, Credible or our partner lender(s) conduct a soft credit pull that will not affect your credit score. However, when you apply for credit, your full credit report from one or more consumer reporting agencies will be requested, which is considered a hard credit pull and will affect your credit.

Best for no cosigner: Ascent Loans

  • Ascent logoFixed APR range – 4.62% – 15.43% (including 0.25% autopay discount)
  • Variable APR range – 6.01% – 15.32% (including 0.25% autopay discount)
  • Fees – None
  • Prepayment penalty – None
  • Minimum – $2,001
  • Maximum – $200,000 ($20,000 for Non-Cosigned Outcomes-Based loans)
  • Loan terms – 5, 7, 10, 12, or 15 years
  • Forbearance – Up to 24 months
  • Minimum credit score – Varies

Ascent is a unique private lender for those looking to avoid using a cosigner. They specifically cater to those who want to apply on their own by offering a couple of ways to qualify. There are two types of non-cosigned loans from this lender: credit-based loans and outcomes-based loans. You’ll need at least two years of credit history and an income of $24,000 or more to qualify for a credit-based loan, but you may be eligible for an outcomes-based loan without any credit at all.

Ascent’s outcomes-based private student loans take your future income, not your current income, into consideration. When you apply for this loan, Ascent looks at your GPA, anticipated graduation date, school, program, and more to determine your eligibility. The better your grades and higher-paying your career path, the better your chances. You must be a junior or senior attending school full-time to qualify. 

Interest rates are higher for non-cosigned loans, but there are discounts available. These include a 0.25% autopay discount and a 1% cash-back graduation reward.

While in school, you can pay $25 each month or make interest payments only. Alternatively, you can defer payments for up to nine months after you graduate. You may qualify for up to 24 months of Temporary Hardship Forbearance if you find yourself unable to make payments.

Read our full review. 

Ascent Disclosure:Ascent’s undergraduate and graduate student loans are funded by Bank of Lake Mills, Member FDIC. Loan products may not be available in certain jurisdictions. Certain restrictions, limitations; and terms and conditions may apply. For Ascent Terms and Conditions please visit: www.AscentFunding.com/Ts&Cs. Rates are effective as of 4/17/2023 and reflect an automatic payment discount of either 0.25% (for credit-based loans) OR 1.00% (for undergraduate outcomes-based loans). Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month. For Ascent rates and repayment examples please visit: AscentFunding.com/Rates. 1% Cash Back Graduation Reward subject to terms and conditions. Cosigned Credit-Based Loan student must meet certain minimum credit criteria. The minimum score required is subject to change and may depend on the credit score of your cosigner. Lowest APRs require interest-only payments, the shortest loan term, and a cosigner, and are only available to our most creditworthy applicants and cosigners with the highest average credit scores. 

Best for cosigner: Earnest

  • Earnest logoFixed APR range – 4.96% – 8.99% APR (includes 0.25% autopay discount)
  • Variable APR range – 4.99% – 8.94% APR (includes 0.25% autopay discount)
  • Fees – None
  • Prepayment penalty – None
  • Minimum – $1,000
  • Maximum – Full cost of attendance
  • Loan terms – 5 – 20 years
  • Forbearance – Determined on a case-by-case basis
  • Minimum credit score – 650

If you already know you want or need to apply for private student loans with a cosigner, Earnest has excellent cosigned loans. Earnest is a direct lender offering private student loans with low rates and forgiving terms to make repayment easier for student borrowers. 

Applicants must have a credit score of at least 650, an income of at least $35,000, and U.S citizenship to qualify. These might be difficult requirements for a college student to meet, which is why Earnest encourages cosigners. In fact, 66% of Earnest borrowers use a cosigner. However, Earnest does not offer cosigner release, but you may qualify to refinance with this lender under only your name when you graduate.

If you have a great cosigner willing to help you out, Earnest will make it easier for you to hold up your end of the bargain with alternatives to the standard repayment plan. In addition to four different repayment options, they give all borrowers a nine-month grace period after graduation before monthly payments are due and the option to skip a payment once a year if needed. You may also qualify for one of the following assistance programs:

  • Rate Reduction Program – decreased rates and monthly payments for six months
  • Extended Term Program – loan term extension of up to 30 years to reduce payments

Earnest also has more generous loan forgiveness and discharge policies than most.

Read our full review. 

Earnest SLR Disclosure – Actual rate and available repayment terms will vary based on your income. Fixed rates range from 5.21% APR to 9.24% APR (excludes 0.25% Auto Pay discount). Variable rates range from 5.24% APR to 9.19% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loan refinance loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once per month. The maximum rate for your loan is 9.13% if your loan term is 10 years or less. For loan terms of more than 10 years to 15 years, the interest rate will never exceed 9.21%. For loan terms over 15 years, the interest rate will never exceed 9.24%. Please note, we are not able to offer variable rate loans in AK, IL, MN, NH, OH, TN, and TX. Our lowest rates are only available for our most credit qualified borrowers and contain our .25% auto pay discount from a checking or savings account.

Best for graduate students: Sallie Mae

  • Sallie Mae logoFixed APR range – 4.25% – 12.92% (for graduate loans, including 0.25% auto debit discount)
  • Variable APR range – 3.87% – 13.50% (for graduate loans, including 0.25% auto debit discount)
  • Fees – None
  • Prepayment penalty – None
  • Minimum – $1,000
  • Maximum – Full cost of attendance
  • Loan terms – Up to 15 years
  • Forbearance – Determined on a case-by-case basis
  • Minimum credit score – 650

Sallie Mae offers a variety of different loans for both undergraduate and graduate students, but this lender is especially great for graduate private student loans. Let’s get into what makes this option different than others for higher education. 

First, Sallie Mae offers 100% coverage for all of your tuition and living expenses from classes to travel with no cap. After graduating, you can defer payments up to 48 months if you’re going right from school to a fellowship or internship. And unlike most loans of this type, you do not need to be enrolled full-time or even half-time to qualify to borrow.

You’ll have a 94% chance of being approved if you’ve already had a Sallie Mae student loan and you apply for a new one with a cosigner. And if you do use a cosigner, you may be eligible to release them after just 12 consecutive monthly payments made on time.

You can either defer your payments for six months after you graduate, make fixed monthly payments of $25 while you’re in school, or pay just the interest while you’re in school and during the six-month grace period after graduation. While Sallie Mae’s interest rates are a little higher than some, you can get a 0.25% rate discount for setting up automatic payments.

Read our full review. 

Sallie Mae Disclosures: Borrow responsibly. We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan. Sallie Mae loans are subject to credit approval, identity verification, signed loan documents, and school certification. Smart Option Student Loans are for students at participating schools and are not intended for students pursuing a graduate degree. Graduate student loans are available for students at participating degree-granting graduate schools. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. Student or cosigner must meet the age of majority in their state of residence. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident), and provide an unexpired government-issued photo ID. Requested loan amount must be at least $1,000.
1 Interest is charged starting when funds are sent to the school. With the Fixed and Deferred Repayment Options, the interest rate is higher than with the Interest Repayment Option and Unpaid Interest is added to the loan’s Current Principal at the end of the grace/separation period. Payments may be required during the grace/separation period depending on the repayment option selected. Variable rates may increase over the life of the loan. Undergraduate – Advertised variable rates reflect the starting range of rates and may vary outside of that range over the life of the loan. Advertised APRs assume a $10,000 loan to a borrower who attends school for 4 years and has no prior Sallie Mae loans. Associate & Trade School – Advertised APRs assume a $10,000 loan to a borrower who attends school for 1 year and has $10,000 in prior Sallie Mae loans. All Advertised APRs assume a $10,000 loan. Medical School Loan and Dental School Loan APRs assume 4 years in school. Law School Loan APRs assume 3 years in school. MBA Loan, Graduate School Loan for Health Professions, and Graduate School Loan APRs assume 2 years in school.
2 Loan amount cannot exceed the cost of attendance less financial aid received, as certified by the school. Sallie Mae reserves the right to approve a lower loan amount than the school-certified amount. Miscellaneous personal expenses (such as a laptop) may be included in the cost of attendance for students enrolled at least half-time.
3 Examples of typical costs for a $10,000 Smart Option Student Loan with the most common fixed rate, fixed repayment option, 6-month separation period, and two disbursements: For a borrower with no prior loans and a 4-year in-school period, it works out to a 9.63% fixed APR, 51 payments of $25.00, 119 payments of $172.95 and one payment of $121.42, for a Total Loan Cost of $21,977.47. For a borrower with $20,000 in prior loans and a 2-year in-school period, it works out to a 10.07% fixed APR, 27 payments of $25.00, 179 payments of $125.36 and one payment of $49.52 for a total loan cost of $23,163.96. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 10 years. Examples of typical costs for a $10,000 Smart Option Student Loan with the most common fixed rate, fixed repayment option, 6-month separation period, and two disbursements: For a borrower with no prior loans and a 2-year in-school period, it works out to a 10.02% fixed APR, 27 payments of $25.00, 119 payments of $153.59 and one payment of $108.14, for a Total Loan Cost of $19,060.35. For a borrower with $10,000 in prior loans and a 1-year in-school period, it works out to a 10.19% fixed APR, 15 payments of $25.00, 179 payments of $117.46 and one payment of $46.27 for a total loan cost of $21,446.61. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 10 years.
4 Example of a typical transaction for a $10,000 Graduate School Loan with the most common fixed rate, Fixed Repayment Option, and two disbursements. For borrowers with a 27-month in-school and separation period, it works out to 12.78% fixed APR, 27 payments of $25.00, 178 payments of $154.24 and one payment of $152.19, for a total loan cost of $28,281.91. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 15 years.

Best for student loan refinancing: Splash Financial

  • Splash Financial logoFixed APR range – 3.29% – 8.49%
  • Variable APR range – 2.49% – 8.65% (including 0.25% autopay discount)
  • Fees – None
  • Prepayment penalty – None
  • Minimum – $5,000
  • Maximum – $500,000
  • Loan terms – 5 – 20 years
  • Forbearance – Varies by lender
  • Minimum credit score – 640

Refinancing your student loans is a good way to lock in a lower interest rate for your existing loans, reduce your monthly payments, and consolidate your debt. As a loan marketplace, Splash Financial offers some of the best refinancing options currently available.

To find a loan with Splash Financial, you’ll complete one application and compare your available offers from a variety of banks and credit unions. Using Splash Financial’s marketplace does not affect your credit or cost anything. If you see an offer you like, you can begin an application directly with a lender partner.

If you didn’t get the rates you wanted the first time around when applying for student loans as a new borrower, refinancing can help you save on interest and simplify repayment. It can also let you assume full responsibility for your loans if you originally borrowed with a cosigner. And if you’re recently married, you can refinance with a partner to combine your balances.

Read our full review.

Best for multi-year approval: Citizens Bank

  • Citizens Bank logoFixed APR range – 4.74% – 12.06%
  • Variable APR range – 3.75% – 11.21%
  • Fees – None
  • Prepayment penalty – None
  • Minimum – $1,000
  • Maximum – Full cost of attendance ($150,000 for all undergraduate and most graduate degrees)
  • Loan terms – 5, 10, or 15 years
  • Forbearance – Up to 12 months at a time
  • Minimum credit score – Not disclosed

If you like the idea of applying once for private student loans and not having to again, you might want to check out Citizens Bank. 

This lender provides multi-year approval for between four and six years to eligible borrowers. If you qualify, you’ll be approved for all the money you need to complete your degree upfront. Instead of filling out a new application each year (and adding hard credit pulls to your report), you’ll request more funding when you need it and Citizens will use only a soft pull to confirm you’re still eligible. Citizens will let you know if you qualify for Multi-Year Approval after you submit your application.

You can enroll in autopay for a 0.25% interest rate discount. may also be eligible for a loyalty discount, an interest rate reduction of 0.25%, if you’re already a Citizens customer with a qualifying savings account, checking account, credit card, or loan (or if your cosigner is a customer). 

99% of borrowers with Citizens use a cosigner. You can apply for cosigner release after you’ve made 36 on-time, full payments in a row if your credit profile is found to be satisfactory. Can defer payments until after graduation but Citizens does not offer income-based repayment.

Federal vs. private student loans

Federal student loans offer many benefits over private student loans and you should go with this option before you even consider private student loans.

But you may not end up choosing one or the other — in fact, it’s not uncommon for a person to have both federal and private student loans. You’ll want to make sure to understand the (many) differences between federal student loans and private student loans and how they work before applying for either.

Requirements to qualify

Overall, federal student loans are a lot easier to get than private student loans. Federal loans are administered by the federal government, not companies or lenders. They do not require a credit check at all when you’re applying, so it doesn’t matter how low your score is. To assess your eligibility, the U.S. Department of Education will determine your financial need and this will be used to create your loan offer.

In contrast, a lot of private lenders are looking for a credit score in the 670 range, which is considered good. It’s pretty hard to have good credit when you’ve never borrowed before, and by “pretty hard” we mean not possible. This is why so many students use a cosigner for private loans – because they need to.

Repayment and relief options

Federal student loans also provide more wiggle room than private loans by offering more opportunities for relief and support.

Both federal and private loans may qualify for forbearance if you’re unable to make payments due to financial hardship, but only federal loans can be forgiven completely. 

Most private loans are not eligible for forgiveness or income-based repayment plans. Income-based repayment plans ensure that your monthly payments make sense for your financial situation and are widely available for federal loans.

Borrowing limits

One advantage of private student loans is higher borrowing limits. Federal loans are given based on your financial need, but you may not qualify to have the full cost of your education covered (even if you can’t pay). Many private loans do not have a maximum borrowing limit and will let you borrow up to the full cost of your education or certificated cost of attendance (COA).

Interest

Federal student loans always have lower interest rates. And because they don’t check your credit, you don’t need a perfect credit history to qualify for the best rates. Even the best private loans come with steep APRs by comparison. 

Also, interest on federal loans is more likely to be tax deductible than interest on private loans.

Fees

This is one where private loans come out on top. Unlike federal student loans, many private student loans don’t charge origination fees. These are fees charged as a percentage of your loan and deducted from your total disbursement.

Should you get a private student loan?

The first question you should ask yourself when looking for ways to fund your education is not whether you should get a private student loan but whether you’ve taken full of advantage of (much cheaper) federal funding and alternatives. 

Federal student loans are a better option than private loans for almost everyone due to the fact that they’re less expensive and more flexible. They don’t require a credit check so you can qualify without any credit, and you’ll spend less over the life of the loan.

With that said, you may need to take out a private student loan if you can’t get all the funding you need from federal loans. This is fairly common, especially if you’re attending a costlier college or university.

But student loans aren’t your only option.

Alternatives to student loans

Student loans are just one way to pay for college. If you’d like to avoid taking out a private student loan or want to reduce the amount of debt you’re taking on, look into these options first.

Financial aid

Maximizing your financial aid should be your first priority when you’re thinking of borrowing money for college. After all, avoiding student loan debt is the goal. With financial aid, you probably don’t have to pay the money back. The Federal Pell Grant, for example, given to students who show exceptional financial need, doesn’t need to be repaid.

You might qualify for federal student aid even if you don’t think you do.

You can apply for federal aid through the U.S. Department of Education by completing the Free Application for Federal Student Aid (FAFSA). The FAFSA assesses your financial situation to determine if you are a good candidate to receive help from the government. This is also the form you’ll complete when applying to see how much you qualify to borrow in federal loans.

Unfortunately, international students are less likely to qualify for most financial aid.

Read more: How to read a financial aid award letter

Scholarships

Scholarships are just another way to get free money. Some student loan borrowers don’t know how to apply for scholarships or think they definitely won’t qualify and don’t bother. But the fact of the matter is that there are foundations just waiting for someone like you to come along so they can hand you money. True story.

Between merit-based and need-based scholarships, there’s usually something for everybody. There are also a variety of options specifically for different types of students such as graduate students, international students, or even those enrolled in particular programs like pre-med or education.

Many private lenders even have scholarship programs you can apply for when applying for a loan. This can help soften the blow a bit when applying for a loan.

Parent PLUS loans

Parent PLUS loans are a type of unsubsidized federal loan parents can take out on behalf of their dependents. Only biological or adoptive parents with clean credit histories (e.g. no delinquencies) can qualify.

PLUS loans are usually used alongside other forms of loans and funding, not as a primary source.

Work-study

If you qualify for federal financial aid, you may also qualify for Federal Work-Study.

Work-study is a well-named program through the Department of Education that lets you work while you study and earn money for college. Work-study jobs are often on campus and may even be in the academic buildings you’re already visiting, and they’re designed to be flexible for students. You can use the money however you need to, for the most part, and it does not count toward your financial aid. You also don’t have to pay it back – it’s yours free and clear.

How to choose a student loan

Student borrowers should consider the following factors when comparing different private and federal student loans.

Fixed vs. variable loans 

Student loans can be either fixed for the entire term of the loan or variable. Fixed means that the interest rate is locked in for the length of the loan and variable means that the interest rate is subject to change.

Should you choose a fixed or variable interest rate?

This is an important question to ask yourself because it’ll ultimately determine how much you’ll pay in interest when all is said and done and your loan is paid off. 

Generally speaking, variable rates on student loans are lower. But long-term, fixed-rate loans often carry less interest. Variable-rate loans will fluctuate over time and there’s the potential for rate hikes, making this the riskier choice.

Note that federal student loans only offer fixed rates while private loans might offer the choice between fixed or variable rates.

Maximum loan amounts

For federal student loans, the maximum loan amounts are between $31,000 and $57,500 for undergraduates and up to $138,500 for graduate students.

Private student loans can have maximum limits of anywhere from $150,000 to $500,000 or may allow you to borrow up to the full cost of your education (including tuition, boarding, and more).

As mentioned, many students require a mix of both federal and private loans. 

Term lengths

For federal student loans, terms are typically available between 10 and 30 years. Most private loan terms are between five and 20 years.

While it might be tempting to just choose the shortest loan term available to get your student loans over with, you need to consider what monthly payments you can realistically take on when they come due.

Repayment terms

There are many different options for repaying your student loan debt. Most private lenders will let you choose to make interest-only payments, fixed payments of a certain amount (such as $25), or full payments while you’re still in school or wait until you’ve graduated to start making monthly payments. 

Each type of repayment comes with its own set of advantages and disadvantages. Interest-only payments, for example, will reduce the amount of interest you pay but will mean that it takes you longer to repay your loan than if you were making payments toward the principal too. 

It’s important to consider all of your repayment options and take advantage of tools such as calculators to understand what you’ll be paying and when.

Read more: 20 terms for understanding student loan debt

Fees 

Federal student loans require origination fees, which currently range between 1.057% and 4.228% of the loan amount taken. Origination fees are deducted from your total payout. Private student loans normally don’t charge origination fees or other types of application fees. 

Neither federal nor private student loans charge prepayment penalties if you decide to make your payments early or pay more than what’s due each month.

APR

The annual percentage rate, or APR, is the effective rate on a loan. It includes both the base interest rate and any required fees added to the calculation.

For example, if you borrow $100,000 and pay a 2% origination fee, the net proceeds of the loan will be $98,000. When a 5% interest rate is calculated on the loan, the APR will be slightly higher due to the reduced net loan proceeds.

Your APR will depend on your credit history and the terms of your loan. You may qualify for a discount through some lenders for activities such as enabling autopay or having another account with a bank.

Deferment options

With private student loans, you might have anywhere from six months to a year after graduating before you’re required to start making repayments. With federal student loans, you don’t need to start making payments until six months after you graduate. When payments are due, you may need to defer or pause them if you’re not able to pay.

Student loans may come with a variety of deferment options. For example, federal student loans come with the option to defer payments if you graduate and have trouble finding a job. Private student loans may offer deferment on a case-by-case basis, but the deferment period will vary by lender.

Just note that interest may still continue to accrue during deferment and factor this into your repayment plan.

Forbearance and loan forgiveness policies

Federal student loans offer both forbearance and loan forgiveness. For example, under the Income-Driven Repayment plan, your monthly payment can be reduced to a small percentage — usually 10 or 15% — of your monthly income. 

Under a Public Service Loan Forgiveness plan, your debt can be completely forgiven if you make 120 monthly payments while working full-time for either a government agency or a qualifying nonprofit organization.

With private student loans, loan forgiveness is not an option. However, some will provide forbearance if you experience economic hardship, such as unemployment. Your options depend on which lender you’ve chosen and it’s worth looking into this before borrowing.

Cosigner release terms

You probably won’t need to use a cosigner for federal loans because these don’t have credit requirements, so cosigner release doesn’t apply. However, cosigners are common with private student loans, and you may decide to use one.

If you decide to use a cosigner, they might not be stuck on your student loans until your debt is fully paid off. Many lenders provide a cosigner release option that lets you release your cosigner and continue on the loan alone. If a lender does provide the option for cosigner release, you’ll need to apply and qualify for it by meeting repayment and credit requirements.

Look into the cosigner release terms for any loan you think about taking out and be sure to have a conversation with your cosigner about this too.

How to qualify for a private student loan

If you’ve exhausted all of your options from federal loans to financial aid and scholarships, you might decide it’s time to apply for a private loan. Here’s what you need to know.

Your credit history and income will be used to determine your loan eligibility. If you have a really limited credit history — which is common for first-time student loan borrowers — you may not be able to qualify for a private loan on your own with the terms and interest rate you want. Lenders will also look at your income as a way of determining how risky it is to loan money to you and if you have the financial means to pay them back. Again, many new borrowers don’t meet minimum income requirements.

Some lenders will let you check to see if you prequalify for a loan and show you what rates you might receive with no effect on your credit. If you have this option, use it to avoid submitting more applications than you need to.

If you can’t qualify by yourself, you might want to think about using a cosigner. 

When you use a cosigner, their credit history and income will count in your favor because lenders will look at this information as an extension of your application.

Should you use a cosigner?

Applying for student loans with a cosigner makes you look better to lenders. Using a cosigner means choosing a person with more credit than yourself — such as an older relative or parent — to assume responsibility for your loan along with you. This means that their credit profile will be used to determine your eligibility and interest rates. 

A cosigner must be someone more creditworthy (i.e. less risky to lenders) than yourself. Someone with a good credit score and high income is a good candidate to cosign.

Your cosigner is only partially responsible for your loan when applying. But if you fail to pay your loan back, they become fully responsible for repaying the debt.

There are several factors to consider when you’re making the decision to use or not use a cosigner on your private student loans. Beyond the financial implications of signing their name to your debt, there are personal implications as well. Asking someone to be responsible for your debt is more than just a favor and a decision that shouldn’t be made lightly. 

And if you do end up applying with a cosigner, you might want to have the option to release them as soon as possible. Cosigner release gives you the flexibility to assume full responsibility for your student loan after applying. To qualify for cosigner release, you usually need to make a certain number of consecutive monthly payments – such as 12 or 24 – toward both the principal and interest of your loan. Then, your eligibility as an individual can be reassessed.

Summary

Navigating the process of taking out a private student loan for the first time is a tricky business. But while it isn’t our idea of a good time, it’s definitely worth sitting down and comparing your options before signing your name to thousands of dollars of student loan debt. 

If you start with these private lenders and take your time to make the right decision, you should be in good shape to get the loan you need and borrow responsibly.

Read more:

Source: moneyunder30.com

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Apache is functioning normally

June 9, 2023 by Brett Tams

While retirement may be associated with leaving the workforce behind, most Americans plan to work past the age of 65. In fact, a 2022 study from the Transamerica Center for Retirement Studies found that around 57% of workers plan to work either full-time or part-time in retirement. Financial reasons and a desire to remain active were cited as the main motivators. Here are eight jobs that can keep you active, boost your income and let you work remotely.

If you’d like personalized help managing your finances in retirement, consider working with a financial advisor.

8 Great Work-from-Home Opportunities for Retirees

While there is a myriad of opportunities for retirees to work from home, what follows are some of best, who might be a good fit for the work and estimated pay, per salary.com as of May 1, 2023.

Bookkeeper —

Bookkeepers maintain a business’s financial records, including purchases, sales, invoices, payments and other transactions. The job will require a high level of accuracy. And it will likely take some technological savvy given that many, if not most, businesses use software to manage their finances.

Best for:

Organized and detail-oriented workers with a solid grasp of basic accounting principles.

Average salary: $42,854

Telehealth Nurse —

If you have a nursing degree but hope to transition to remote work, the growing demand for telemedicine may be a great opportunity for you.

Telehealth nurses “see” patients via email, phone and chat. They also videoconference and answer their questions, determine the next medical steps, conduct follow-up appointments and deliver medical treatments.

Best for:

This is good for people who already hold a nursing degree, of course. And in a remote environment, communication skills become more important than ever for treating patients with sensitivity.

Average salary: $85,045

Administrative Assistant —

You may think of an administrative assistant as someone who mans the reception desk, makes copies and orders more coffee. But the remote role has slightly different responsibilities. You can expect to answer phone calls and emails, schedule meetings and appointments and handle many of the things that keep a remote office running smoothly.

Best for:

This is good for people with excellent customer service and time management skills. Being able to multitask is a plus.

Average salary: $45,003

Paralegal —

Paralegals serve as assistants to lawyers, helping investigate and research legal cases, maintaining records, drafting correspondence and putting together documents for trials. The job descriptions for a paralegal will vary widely depending on the law firm, what type of law is practiced, its size and the paralegal’s own qualification level.

Best for:

Those who already have a certification or degree in paralegal studies—though the qualifications required to become a paralegal depend on the hiring firm and an actual degree or certification isn’t always necessary.

On the other hand, if this interests you, paralegal certification programs and associate’s degrees in paralegal studies can be relatively affordable and can require as few as 12-24 months of study.

Average salary: $58,630-117,990 (salary ranges widely vary)

Tutor

Tutoring is another job with a wide variety of possibilities, depending on the age and education level of the students, the subject or subjects taught and more. You can be a generalist who works with elementary school kids on any subject they need help with.

You can also be a specialist who works with college students on writing assignments, an ESL tutor who helps adults learn English, and all kinds of varieties in between. In the big picture, a tutor works with students outside of their classes to help them better understand and implement the concepts they’re learning.

Best for:

People who are patient, good at breaking complex concepts into simple ideas and steps and hold the required credentials. Some tutor positions only require a GED, while others may require a college degree in the subject you intend to specialize in, such as a bachelor’s degree in math for a math tutor.

Average salary: $42,422

Receptionist

A virtual receptionist serves the same role as a traditional, in-person receptionist: They ensure that all customer concerns are taken care of.

While there is some overlap with a virtual administrative assistant, a receptionist will be more focused on the customer side of the office than the administrative, answering phone calls and emails, helping customers who need assistance, scheduling appointments and more.

Best for:

This is good for those with good multitasking and people skills. And some technological savvy ensures that customers don’t slip through the cracks in a remote office.

Average salary: $41,704

Customer Service Representative

In a brick-and-mortar retail shop such as a hardware store, a customer service rep may be walking the floor, answering questions about what someone should buy for their upcoming home improvement project.

In a remote business, customer service representatives serve much the same purpose: answering customer questions, helping them with problems and troubleshooting any issues.

Best for:

People with patience, great communication skills and a solid knowledge base of the products or services being sold by their employer.

Average salary: $37,623

Transcriptionist

The transcriptionist job is a straightforward one: You simply type up recordings. Some transcriptionists work exclusively in one industry. For example, they can work in legal or medical industries, which necessitates a certain level of knowledge of the terminology used in that profession. Others may do general transcription work, typing up whatever is needed.

Best for:

This is good for fast and accurate typists looking for low-intensity work. While some may find this kind of work boring, the right person may find the audio or video they transcribe interesting and value the calm.

Average salary: $41,453

Things to Consider When Looking for Remote Jobs

Don’t Get Scammed

According to the Federal Trade Commission (FTC), a common scam is for a fake company to hire you. And then they send you a check to buy equipment with the caveat that you should send the extra money back. The check is bad and will be returned.

The FTC advises that you carefully review any job offers, only apply to jobs on legitimate websites and never rely on a “cleared” check your employer sends you.

Use Your Career Expertise

One of the best ways to find a new remote job is to use the skills you already have. You may be able to find a less demanding and remote version of your previous career. And going into this new job with your years of experience can be valuable to your employer. And it can potentially earn you a bigger starting salary.

For instance, if you had a career as an editor, you may be an excellent English tutor. You can help students understand the rules of grammar and how to improve their reading and writing skills.

Understand How Working Can Impact Your Social Security Benefits

Working can still be the right choice for you, but make you know how your benefits could be affected. According to the Social Security Administration, while you can work and still receive benefits, there’s a limit to how much you can earn before they begin to reduce your benefits if you’re not yet full retirement age.

In 2023, the limit is $21,240 for those under full retirement age. And it’s $56,520 for the year that you reach full retirement age.

Bottom Line

It’s common for retirees to continue working in retirement. It could be due to financial reasons or just finding ways to keep busy. However, you may not want to stay with the same career track you worked in previously. You may be looking for something less demanding, more flexible or a job you can do from home. But before you decide to work, do your due diligence in finding the right opportunities.

Retirement Tips

  • Consider working with a financial advisor to get the most out of all the benefits the SSA provides. Finding a qualified financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to three financial advisors who serve your area, and you can have a free introductory call with your advisor matches to decide which one you feel is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
  • The SmartAsset Retirement Guide offers a calculator to show you how much you need to save for retirement. It also has a retirement tax friendliness calculator to help you weigh various options if you are moving after your retirement.

Photo credit: ©iStock.com/jacoblund, ©iStock.com/jacoblund, ©iStock.com/Ridofranz

Source: smartasset.com

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Apache is functioning normally

June 9, 2023 by Brett Tams

What is luxury real estate really? On today’s podcast with luxury expert Harold Clarke, we discuss what luxury real estate is and what Realtors need to know in order to truly serve high-net-worth clients. In addition to offering advice on breaking into the luxury niche, Harold shares strategies that agents can use to corner any market. We also discuss how COVID-19 affected Hawaiian real estate, what luxury living looks like in 2022, and why real estate agents should always be truthful with clients.

Listen to today’s show and learn:

  • About Harold Clarke [3:46]
  • What luxury real estate really is [4:21]
  • Five-star service at home [8:28]
  • Understanding how high-net-worth clients feel [12:03]
  • Current events and how they affect luxury real estate sales [13:28]
  • How COVID-19 has changed Hawaiian real estate markets [14:25]
  • Why interest rates aren’t affecting luxury sales in Hawaii [16:48]
  • Advice on getting into the luxury niche [18:34]
  • Why you can’t fake expertise in the luxury niche [22:32]
  • One of Harold’s best recent experiences with a client [24:11]
  • Collecting clues for follow-up [25:42]
  • Interacting with people from all walks of life in Hawaii [26:35]
  • Harold’s advice for real estate agents: be truthful [27:26]

Harold Clarke

Harold X Clarke knows quite well the nuances of wealth, through intimate experience. He developed a strong sense of ownership for the real issues and tough decisions required of individuals with great wealth at a young age. His competitive and perfectionist instincts, coupled with a deep, personal understanding of the wealthy elite’s mindset, allowed him to develop his proprietary method of catering to the discreet needs of the world’s most discerning clientele.

Recognizing big-box corporate real estate brands fall increasingly short fulfilling the real estate needs of the UHNW, and observing the small number of developments in the world that check all the boxes for these individuals, Mr. Clarke founded private real estate consultancy Harold Clarke Advisors for the world’s top .001% of individuals and global developers, to reshape the luxury lifestyle market and fill the void.

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Thank You Rockstars!

It might go without saying, but I’m going to say it anyway: We really value listeners like you. We’re constantly working to improve the show, so why not leave us a review? If you love the content and can’t stand the thought of missing the nuggets our Rockstar guests share every week, please subscribe; it’ll get you instant access to our latest episodes and is the best way to support your favorite real estate podcast. Have questions? Suggestions? Want to say hi? Shoot me a message via Twitter, Instagram, Facebook, or Email.
-Aaron Amuchastegui

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Apache is functioning normally

June 9, 2023 by Brett Tams

By Contributing Author 10 Comments – The content of this website often contains affiliate links and I may be compensated if you buy through those links (at no cost to you!). Learn more about how we make money. Last edited May 20, 2013.

The Roth IRA (and its cousin, the Roth 401k) are getting press lately and with good reason. There is a fear that taxes will need to rise over time and we will all find ourselves retiring in a higher tax bracket than we are in today.

Let’s first take a step back to understand what these account are and how they work.

What Is An IRA, And How Does It Work?

A traditional IRA account or 401(k) account allows you to deposit money into an account prior to having it taxed. If you are in the 25% bracket ($67,900 taxable for married filing joint or $33,950 filing single) you can put $5000 into the IRA ($6,000 if you’re over 50 this year) or you can pay $1,250 in taxes and clear $3,750.

With the introduction of Roth a number of years ago, you have a new choice, to pay the taxes now, clearing that $3,750 and after depositing into the Roth account (or Roth 401(k) where the limits are $16,500 or $22,000 if 50 or older) and not paying any taxes when you withdraw these funds at retirement.

At some level this is a simple choice, pay tax now or pay it later. Let’s think about this a moment. Do you know your current marginal rate? Do you know what “marginal rate” means? A simple way to look at this is that your marginal rate is the (federal) tax you’ll pay on the next $100 of taxable income. You may make over $80,000 and see that your taxes aren’t quite $10,000, but the next $100 is taxed at 25% or $25. An important distinction to understand. Fairmark offers a nicely presented chart to see marginal rates, it’s important that you understand this concept before making any decisions. Knowing your current marginal rate is easy, projecting what it will be at retirement, not so easy. It’s this ‘not knowing’ that may prompt you to go one way or the other, but there are steps you can take to improve your decision process.

When To Put Into A Roth IRA

At the beginning of your career (and younger, if you are working as a teen), there’s a good chance you are in the 15% bracket. Now is a good time to put some money away in Roth accounts.

As your salary increases, you are likely to take on a mortgage, and perhaps start a family. This gives you deductions for the mortgage as well as the additional exemption (and perhaps earnings) of your spouse. If despite that, you are in the 25% bracket or higher, I’d suggest using pretax savings, the traditional 401(k) and IRA accounts. Now is the time in your life to learn to project out what your retirement will look like. Are you on track to have $2 million dollars in pretax accounts? If not, continue to save pretax. Why $2 million? A conservative withdrawal rate is about 4%/yr. This results in $80,000/yr upon retiring, and right now that will put you toward the top of the 15% bracket. Also, keep in mind that few people work 40 years with no break or disruption to their income. Use these disruptions (times you will drop into a lower bracket) to convert funds from a traditional IRA to a Roth, in essence “filling up the bracket” just enough to top it off but not go into the next.

Last, toward the end of your working career, the decision becomes very simple. With retirement only a few years away, you should be able to calculate what your marginal rate will be after you retire. If the same or higher, go with Roth, if it will be lower, go with traditional.

Once retired, continue to take advantage of the Roth conversion option. In 2009 a married couple can have $86,600 in gross income and still be in the 15% bracket. If they are withdrawing say $40,000 per year from pretax accounts, they should consider converting right up to the $86,600 figure and pay the 15%. This money will never be subject to RMDs (required minimum distributions) and when you pass, your heirs will not have to pay income tax on the withdrawals as they would from a traditional account. This also will help you avoid that higher 25% bracket as the equation to calculate your RMD continues to force you to take a larger portion of your account out each year.

Are you currently taking advantage of a Roth IRA? Why or why not? What types of retirement accounts are you investing in and why?  Let us know in the comments!

This is an article by Joe from JoeTaxpayer.com. Stop by his site and subscribe to his feed for more great articles!

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Apache is functioning normally

June 9, 2023 by Brett Tams

Celebrities are an interesting bunch. Some celebrities are content to slide under the radar while keeping out of the public spotlight. Others seem hell-bent on traveling down paths of self-destruction, which many believe will ultimately lead to a lengthy stint in jail – or worse. After polling an entertainment forum, for examples, these celebrities have shocked the world by staying out of trouble or simply staying alive!

1. Ozzy Osbourne

Ozzy Osbourne
Image Credit: Shutterstock.

This legendary rocker is still going strong against all odds! As somebody who has dabbled in as many illegal drugs as Ozzy has, countless music fans are shocked that his heart still manages to function. Interestingly enough, according to one fan, his longevity has been such a hot topic of conversation that a team of doctors has vowed to investigate Ozzy – post-mortem!

1. Ozzy Osbourne

Photo Credit: Shutterstock.

“There is literally a team of Cambridge doctors who are investigating how Ozzy is still alive,” the fan reports. “They’ve made arrangements with him to dissect and study his body after death.”

2. Chris Brown

Photo Credit: Shutterstock.

The much-maligned musician found himself in legal and ethical hot water after allegations of abuse by his then-girlfriend Rihanna surfaced in 2009. 

2. Chris Brown

Photo Credit: Shutterstock.

Based on Rihanna’s allegations, music fans worldwide are still stunned that Chris Brown didn’t end up behind bars for a long time. More than one person referenced Rihanna’s photos taken after the alleged abuse, which is unsettling.

3. Bam Margera

Photo Credit: Shutterstock.

The one-time star of MTV’s Jackass TV series has reportedly hit rock bottom in recent years. The party lifestyle has caught up with Bam Margera, and people are bracing for bad news shortly. It’s a sad state of affairs for somebody once on top of the entertainment world.

3. Bam Margera

Photo Credit: Shutterstock.

According to one person who got to know Margera while in rehab, the former star “blames everybody but himself” for his recent misfortunes.

4. Andy Dick

Andy Dick
Image Credit: Shutterstock – Tinseltown

Countless people are shocked that former Hollywood star Andy Dick hasn’t died or gone to jail. The over-the-top comedian-turned-actor made a name for himself by pushing comedic boundaries.

4. Andy Dick

Photo Credit: Shutterstock.

An endless stream of sexual assault allegations later in his life has thrown Andy Dick’s career off track. His rap sheet is a mile long, and we’re with the consensus: how is he still living a life outside of prison?

5. Every Member of Mötley Crüe

Photo Credit: Shutterstock.

It’s no secret that Mötley Crüe was the perfect picture of 1980s rock excess. They played hard and partied even harder, leading many people to wonder how they’re all still alive in 2023.

5. Every Member of Mötley Crüe

Photo Credit: Shutterstock.

Although most of Mötley Crüe suffered serious drug-related emergencies, they’re all alive and well today. Many fans of the band will freely admit that this is shocking.

6. Bill Cosby

Photo Credit: Shutterstock.

After being convicted of drugging a woman, Bill Cosby did spend three years in prison. However, as of 2021, the ex-TV star is free after serving his sentence.

6. Bill Cosby

People around the country are still outraged, as many believe he received nothing more than a “slap on the wrist” for his misdoings. Many also point to the fact that dozens of women have accused Cosby of drugging them, yet only one woman managed to avoid having the charges dismissed.

7. Gary Busey

Photo Credit: Shutterstock.

One fan of the award-winning actor puts it plainly. “He’s living proof that a human body can keep on moving long after the brain has been destroyed,” he states. In 1988, Busey was severely injured in a motorcycle accident.

7. Gary Busey

Photo Credit: Shutterstock.

Gary Busey was not wearing a helmet in the accident and suffered permanent long-term brain damage. However, he’s still alive and well over 35 years later.

8. O.J. Simpson

Photo Credit: Shutterstock.

Of all the celebrities on this list, nobody is more polarizing than O.J. Simpson. After being acquitted of the 1994 murder of his ex-wife and her friend, many worldwide were shocked that he managed to avoid jail time, despite all evidence pointing to him.

8. O.J. Simpson

Photo Credit: Shutterstock.

While O.J. Simpson eventually served time behind bars later in his life for stealing sports memorabilia, he was released from jail and is reasonably active on social media. Nevertheless, many still argue that he hasn’t paid his debt to society.

9. Marilyn Manson

Photo Credit: Shutterstock.

Despite having millions of fans, there is an outspoken minority who can’t believe Manson hasn’t been put behind bars for the rest of his life. “I made the mistake of reading his autobiography years ago,” one person confesses.

“It’s almost 300 pages of him boasting about terrible things he’s done in an ‘I’m such a weird artistic genius’ fashion.”

9. Marilyn Manson

Photo Credit: Shutterstock.

As far as his autobiography goes “I hate to think what his lawyers told him to leave out.” So add Manson to the list of celebrities. We wouldn’t be surprised to be arrested in the next few years.

10. Keith Richards 

Photo Credit: Shutterstock.

Keith Richards from The Rolling Stones is no stranger to saying yes instead of no with substances known to kill a man. However, he’s still kicking and touring.

10. Keith Richards 

Photo Credit: Shutterstock.

One quoted the late Robin Williams, “I know one day we will all be dead and gone, and it’ll be Keith Richards with five cockroaches.”

This thread inspired this post.

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Nelly Furtado
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Some celebrities definitely seem to enjoy the limelight and keep working to stay in the public eye. While others quickly move out of the spotlight.

10 Celebrities Had Their Big Break Then Dropped off the Face of the Earth

Photo Credit: Warner Bros.

Here are 15 movies that are objectively terrible, but that people still love watching over and over again.

15 Terrible Movies That Are Amazingly Enjoyable

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10 Absolute Worst Actors and Directors to Work With



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