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There’s something special about buying something custom-made for you and a home is no exception. A new construction house gives you the freedom to design your own home to your particular specifications. Just don’t forget that new construction homes come at a premium and that you’ll have to endure a lot of planning and waiting.
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When you borrow money from a lender, you are taking on a risk – and so is your lender. That’s why a loan’s repayment terms and conditions are typically meticulously spelled out. Some loans are short-term and can be repaid within 36 – 60 months (3 – 5 years). On average, long-term personal loans have
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After you buy a home, the first thing that probably comes to mind is how much it’s going to cost you every month. There’s the monthly mortgage payment, insurance, repairs, maintenance, utilities, etc. And don’t forget the taxes. Regardless of where you live, you will owe property taxes. Fortunately, most states offer an easy way
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During your home buying process, you might have heard the term cash to close. While cash to close might evoke images of showing up to closing with a duffle bag full of cash, that idea can be misleading since virtually no one uses paper money for cash to close. Though your down payment and mortgage
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Getting divorced can be a challenging process. Even when the split with your spouse is completely amicable, divorce represents a new chapter in your life that – from a financial, social and emotional perspective – can be difficult to prepare for. One of the hardest questions to answer following a divorce is, “Who gets to
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There are many numbers involved when it comes to loan terms and savings accounts, like interest rate, annual percentage rate and annual percentage yield. But interest is more than just a number. Knowing if it’s simple interest or compound interest can help you make better financial decisions – whether you’re saving, investing or borrowing. Compound
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Life is full of surprises. Sometimes we get lucky and hit the lottery. Other times we have bad luck: we lose our job, we get into an accident or our home is damaged. When bad luck happens, it often gets expensive quickly. That’s why it’s a good idea to have an emergency fund. If you
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If you’ve ever gone shopping, either online or at a brick-and-mortar retailer, you’ve probably seen something you wanted, wished you had the money to buy it and moved on. Retailers understand it isn’t always easy to buy something if you have to put up all the money upfront. That’s one key reason they now offer
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Buying a home is challenging for anyone. For home buyers of color, there are often additional hurdles. These challenges can be based on both historic and current discriminatory practices in the real estate industry and less access to the financial and educational resources that minority and first-time home buyers may need to become homeowners. A
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Considering getting new furniture? Maybe your morning coffee just slid off your tilted kitchen table. Or there’s a constellation of stains on your living room couch. Or you’re planning to move and can’t imagine taking the hand-me-down furniture you have in your current place.  Furniture is one of those big-ticket items we tend to keep
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Personal loans can be a big help when you need money in a relatively short period of time. A personal loan can help you with emergencies, cover home repair and renovation costs, help you consolidate high-interest debt and much more. But when tax time comes around, you may find a personal loan doesn’t come with
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