What Type of Mortgage is right for you?

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When it comes to buying a home, most people  know there are a few different mortgage options to choose from, but many don’t understand that there are actually quite a few options that vary depending on your situation. Once you’ve taken care of the homework – setting a budget, figuring out a down payment, and reviewing your credit, you’ll have a better idea of what loan works best for your needs.

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Identifying Phishers, Scammers and the “Alleged Debt Collectors”

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Hackers and scammers have honed their craft to the level that even the savviest become victims.  From spoofed email accounts from well-known banks and credit card institutions alerting individuals their account has been compromised to robo-phone dialers with local numbers who appear to know quite a bit about you – the situation with ID theft and social engineering is only going to get worse.

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Foreclosure sales – how do they work?

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When it comes to house hunting, you are bound to come across a foreclosure sale or two. It can be a great way to score a good deal on the home of your dreams, but it’s important to know how the process works.

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Credit Card Churning: What is it and Should You be Doing it

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The term credit card churning is relatively new, but the process has been around for years. So, what is credit card churning? It’s the practice of repeatedly opening and closing a credit card to earn its signup bonus over and over. Churners amass tons of reward points or airline miles from credit cards that they have no intention of continuing to use or even keep open. You’ve probably seen ads or even received offers in your email or mailbox from credit cards that offer valuable points, miles, or cash back to new account holders. Most also require you to charge a certain amount of money to the card within a certain period in order to receive the new card bonus.

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Advice from Millennials on How to Buy a House in Your 20s

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If you’ve been paying attention to the real estate trends, you may have heard the Millennials just aren’t buying homes at the same rate as their previous generations. Aside from the simple fact that it’s just not affordable for most, many site reasons like high student debt and low loan availability. Studies show that only 37% of millennials owned homes in 2015 – that’s 8% lower than Gen Xers and Baby Boomers at the same age.

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Finance tips every 18 year old should know

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Do you ever wish you could go back in time and make different financial decisions? Some of the worst financial decisions are made when we are young and just starting to manage our own money and bills. At 18, you get that first taste of freedom, you can get your own credit card, open your own bank accounts without a parent, and even get a loan for a car on your own. But, making the wrong choices this early in the financial game, can set you back and affect your credit for years to come.

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Common home buying and selling myths unveiled

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When it comes to buying or selling a home, there can be a lot of misconceptions about the real estate process. Friends and family may have advice that’s not accurate or no longer valid – whether solicited or not – if you are buying or selling a home, you’ll most likely hear some of the myths below:

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Why every millennial should have a Roth IRA

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There’s often a debate over which retirement fund you should choose:  a Traditional or Roth IRA? As a millennial, there is a definite advantage to choosing one over the other. Continue reading “Why every millennial should have a Roth IRA”

Retirement Planning – I’m 50 and haven’t started yet!

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If you’ve done any research about retirement planning, you know that it’s NEVER too early to start. In fact, starting to save during your college years is slowly becoming the norm! But what do you do when years turn into decades and you still haven’t started saving for your retirement? If you are in your 50’s and haven’t been able to build up the retirement fund, you’ll need to get started and fast. Here are some tips to help you out! Continue reading “Retirement Planning – I’m 50 and haven’t started yet!”