Are you thinking about selling your home to a cash buyer? If you’re deciding between an all-cash offer and a financed offer, are you wondering whether it makes a difference anyway? Either way you choose, you’ll still get paid, but selling your house for cash has unique rewards and risks. Some owners want to sell
When you sign a car lease contract, it usually includes buyout terms and the residual value (the car’s estimated value at the end of the lease) – which helps determine the buyout cost. If you want to buy your lease, you may wonder if you can negotiate the purchase price. While successfully negotiating a car
Buying your first home is an exciting milestone, but it can be intimidating. There are so many decisions to make. You have to decide where you want to live, how much you want to spend and what type of home you want (think: a condo or single-family home). But here’s a question you may not
Building a home can be a lengthy, expensive and risky process. And if something were to go wrong during the construction process, the developer might be on the hook for quite a bit of money. Anyone interested in building a home wants to protect their initial investment. One of the best ways to keep these
When you’re ready to buy a home, there are many questions you’ll need to answer. One of them is how you’ll pay for your upcoming purchase. For most aspiring home buyers, there are two popular ways to buy a home: with a mortgage or cash. Homes are expensive, and most of us can’t afford to
If you have the means, it can make a lot of sense to pay extra on your car loan payments, especially because it can lead to paying off your loan early and saving money! But depending on your financial situation, it may make more sense to put that money toward building your savings or paying
Many home buyers close on a new home purchase later in the month to save on the interest and reduce their upfront closing costs. While this strategy allows you to pay less in interest at your closing, it might come at the cost of some other perks. We can help you choose the best closing
Real estate and stocks are two of the most popular investment options. Both can be profitable, but each has its own risks and rewards. So which is the better investment? Well, it depends on a variety of factors, including how much you have to invest, your risk tolerance and your overall investment goals. To help
Negotiating at a car dealership is a big part of getting the best deal. But not many people like negotiating – it can get emotional, and the confrontation is real! Plan out buying a new car to avoid making common mistakes that result in excess debt (like rolling over the loan balance on your current
When most people think of buying a house, they picture browsing real estate listings online and touring a seller’s home with a real estate agent. However, there is another option: purchasing a home through an auction. Real estate auctions are becoming more popular due in part to the current housing market. They may seem intimidating,
If you’re dealing with debt, you’re not alone. According to the Consumer Financial Protection Bureau (CFPB), from 2018 – 2020, Americans spent over $120 billion per year on credit card fees and interest.[1] The good news? You may be able to get some financial relief. Read on to learn about debt relief programs and debt
Owning a home comes with risks, which is exactly why we buy homeowners insurance. But standard homeowners insurance policies don’t cover flood damage. So what happens if you want to buy a home in a flood zone? A flood zone is an area with an increased risk of flooding. Keep reading to learn more about
Hurricane season in the U.S. typically runs from June through November, often peaking in September. Every year, meteorologists at the U.S. National Oceanic and Atmospheric Administration (NOAA) forecast the anticipated number of hurricanes and tropical storms for the upcoming season. The current prediction for 2022 is 13 storms with 3 major events.[1] Luckily, most hurricanes
If you have a personal loan, paying it off early can reduce your monthly expenses and save you from paying more in interest. However, having a personal loan paid off early may also come with unintended consequences. It can impact your credit score, cost you hefty prepayment penalties or prevent you from using that extra
Being in over your head in debt is stressful (to say the least). It can be a hurdle that keeps you from reaching financial goals or achieving certain milestones (think: homeownership, marriage, school or a robust retirement fund). Fortunately, you have time-tested debt repayment strategies at your disposal to reduce, manage – and maybe even
Life is all about weighing your options and making choices, especially when it comes to how to spend your hard-earned money. The cost of renting a home increased by 12.3% from July 2021 to July 2022. And the median price to rent a one-bedroom apartment in the U.S. now stands at $1,450.[1] [2] Renting can
More and more couples are buying homes together before marriage. And a few interesting stats can help explain the growing trend. Over the past 20 years, the number of unmarried couples living together has skyrocketed from 6 million to 17 million – which is about 7% of the adult population.[1] Married couples make up fewer
When it comes to investing, there are many different options to pursue, from stocks and bonds to commodities and mutual funds to real estate investment trusts and more. The options are endless – and often confusing. But any investment professional worth their fees will let you know the importance of diversifying your portfolio with a
Ahh debt! It’s something we all try to avoid and end up with anyway. But did you know there’s such a thing as bad debt and good debt? Taking on good debt could help you build generational wealth. While bad debt can end up costing you more for things that won’t bring you any value
Imagine a perfectly sized home — a place that’s both cozy and chic, minimalist yet welcoming. A place that fits your needs perfectly, without any wasted space. That’s the dream of many home buyers considering a switch to tiny living The tiny house movement is becoming increasingly popular as more and more people recognize the
A car loan can get you on the road if you don’t have the cash to buy your first car. Buying your first set of wheels can be exciting, but it can also feel overwhelming. And if you walk into a dealership unprepared, it’s easy to spend more than you should. The car buying process
Selling a home can be complex, and getting to the closing table isn’t always easy. Sometimes, a home sale closes without a hitch. But other times, there can be a whole host of unpleasant surprises. As a homeowner, there are things you can do, before listing your home for sale, to help pave the way
You’ve finally found your dream home and are getting ready to close in a couple of weeks. You’ve done your research on homeowners insurance, called the insurance company and received a preliminary quote. But before they’re willing to issue the policy, they’re requiring you to submit a 4-point inspection. A 4-point inspection is used to
Giving someone the gift of real estate can be a great way to show your love and keep a house in the family. But gifting property can have certain tax implications, like the federal gift tax. If your parents, grandparents or anyone else wants to give you a house as a gift, they’re entitled to
Luxury Card’s name is about as on-the-nose as it gets. It’s an international credit card company that specializes in luxury credit cards noted more for their high-class reputation and distinctive design elements, which include sleek aesthetics and sturdy metal construction, than their rewards. Technically, its cards are issued by Barclays, but Luxury Card calls the
Capital One Spark is Capital One’s line of small business credit cards. There are five Spark cards in total. Four are designed for large or small business owners with excellent credit scores, with a fifth designed for people with fair or average credit. Although some of them are made for excellent credit, you may still
Ready to buy your forever home? Looking to score a cheaper mortgage deal? Have you simply grown out of your current home? ? You’ll be looking to find a mortgage lender and get the best rate you qualify for. Get moving with our recommended lender with Rocket Mortgage to make this process fast and simple.
American Express offers a wide variety of small business cards for people with excellent credit. Chances are there’s an American Express business card that will work to earn rewards on the money your business is already spending, whether you want to earn travel rewards or cash back. Many of these cards earn Membership Rewards points,
Home buyers today are navigating one of the most competitive real estate markets in history. With home values rising over 17% year over year,[1] home buyers have learned they need to come in with their best offer if they want a chance at winning a home. Unfortunately, it’s not as simple as making an offer
Just like laws vary by country and state, certain houses can be subject to specific rules that owners must abide by. Broadly speaking, a deed restriction is a limitation on what you can do with your property. Some common examples of deed restrictions include prohibiting the use of your home for conducting business activities or
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