It’s time to check out “Inspire Home Loans,” which is the lending partner of home builder Century Communities.
They pride themselves on knowing how their parent company’s construction timelines work so your home (and) loan remain on schedule.
In addition, they offer special financing deals that are reserved only for the buyers of properties in their communities.
This means you might be able to get your hands on a low mortgage rate that outside lenders just can’t beat.
Read on to learn more about them to determine if they could be a good fit for your mortgage needs.
Inspire Home Loans Fast Facts
Direct-to-consumer mortgage lender
Offers home purchase loans
Founded in 2016, headquartered in Newport Beach, CA
A wholly owned subsidiary of Century Communities
Parent company is publicly traded (NYSE: CCS)
Licensed to lend in 18 states across the nation
Funded about $2 billion in home loans in 2022
Most active in California, Colorado, Georgia, and Texas
Also operates a title company and insurance agency
Known for offering big mortgage rate buydowns
Inspire Home Loans is a wholly owned subsidiary of Century Communities, which offers to-be-built and quick move-in homes in a handful of states nationwide.
Their parent company consider themselves a top-10 home builder nationally, and is publicly traded under the NYSE symbol CCS.
The lending division has been around since 2016 and is headquartered in Newport Beach, CA.
Their primary focus is providing home purchase loans to buyers of newly-built homes in the many communities they operate throughout the country.
They are licensed in 18 states, including Alabama, Arizona, California, Colorado, Florida, Georgia, Indiana, Louisiana, Kentucky, Michigan, Nevada, North Carolina, Ohio, South Carolina, Tennessee, Texas, Utah, and Washington.
Per HMDA data, they are most active in the states of California, Colorado, Georgia, Nevada, and Texas.
They’ve currently got 63 sponsored mortgage loan originators (MLOs) on their staff per the NMLS.
Similar to other builder-affiliated lenders, Inspire Home Loans also operates a title insurance and settlement company called Parkway Title, and an insurance agency called IHL Home Insurance Agency.
This means you can do one-stop shopping for all your home loan needs, though it’s always prudent to shop around for these third-party services as well.
How to Get Started
You can either visit a Century Communities new home sales office to get paired up with a loan officer, or simply go online.
If you go to their website, you can click on “Pre-qualify Today” to access a loan officer directory that lists the many communities operated by their parent company.
After selecting a state, you’ll be able to select a community to see which loan officers serve that particular development.
From there, you’ll see contact info and you’ll have the ability to get pre-qualified for a mortgage or log in if you’ve already applied.
Their digital loan application is powered by fintech company nCino. It allows you to eSign disclosures, link financial accounts, and complete the app from any device.
Once you’ve applied and been approved, you can satisfy conditions electronically by uploading necessary documents 24/7.
You’ll receive automatic status updates as your loan makes it from underwriting to closing.
You can also lean on your dedicated, human loan team that is available to assist and provide answers whenever you have questions.
They appear to offer a good balance of both tech and human touch to get you to the finish line.
And because they are affiliated with the builder, they’ll be able to communicate freely and keep your loan on track based on construction status.
Loan Programs Offered
Conforming loans backed by Fannie Mae and Freddie Mac
Jumbo loans
FHA loans
VA loans
USDA loans
Fixed-rate and adjustable options available
Down Payment Assistance
Municipal Bond Programs
As noted, Inspire Home Loans exists to serve buyers of Century Communities properties.
Since that’s all they focus on, they should have a good handle on the process.
In terms of loan choice, they’ve got all the major loan programs a home buyer could need, including conforming loans, jumbo loans, and the full array of government-backed loans.
This includes FHA loans, VA loans, and even USDA loans if purchasing a property in a rural location.
Both fixed-rate and adjustable-rate mortgage options are available, including the 15-year fixed, 5/6 ARM, and 7/6 ARM.
Additionally, they’ve got access to numerous homebuyer assistance programs, including down payment assistance and municipal bond programs.
These can come in handy if you’re short on down payment funds and/or need help with closing costs.
The Ascent Club
Inspire Home Loans also offers free access to a program called “The Ascent Club.”
It provides financial insights and recommendations to help prospective customers reach their homeownership goals.
This could include learning how to save for a down payment, how to build asset reserves, how to boost credit scores, and even improve your DTI ratio.
The goal is put homeownership within reach if there are certain fixable barriers that are holding you back.
And whether you’re a first-time home buyer or seasoned pro, they conduct free webinars to answer any mortgage questions you may have.
Inspire Home Loans Rates and Fees
They don’t list their mortgage rates or lender fees online, which isn’t atypical. But I do give lenders kudos when they do. It’s a plus from a transparency standpoint.
So we don’t know how competitive they are relative to other lenders, nor do we know if they charge a loan origination fee, underwriting and processing fees, application fee, and so on.
Be sure to inquire about any and all fees when you first discuss loan pricing with a mortgage loan officer.
Once you get a rate quote, that along with the lender fees makes up your mortgage APR, which is a more effective way to compare loan costs from lender to lender.
Despite the lack of information, they do advertise mortgage rate buydowns on their home builder website.
And from what I saw, they were some of the biggest permanent and temporary mortgage rate buydowns around.
One example offered a 2/1 buydown to 3.5% for the first year, 4.5% in year two, and 5.5% fixed for the remaining 28 years.
That’s pretty tough to beat when mortgage rates are close to 7.5 today%
But as always, take the time to shop your rate with other lenders, credit unions, mortgage brokers, and so on.
Inspire Home Loans Reviews
Over at experience.com, Inspire Home Loans has an excellent 4.89/5-star rating from over 1,500 customer reviews.
However, they have a 1.8/5 on Yelp from about 30 reviews, though the sample size is obviously quite small. At Redfin they have a better 4.4/5 from 7 reviews, which again is a small sample.
You can also search their individual offices throughout the country on Google to see reviews by location. This could be more helpful if you work with a particular regional office.
Their parent company has an ‘A+’ rating on the Better Business Bureau (BBB) website and has been accredited since 2015.
Despite the solid letter grade rating, they’ve got a poor 1.05/5-star rating based on over 100 customer reviews. This could have to do with their numerous complaints filed over the years.
Be sure to take the time to read through some of them to see how many pertain to their lending division versus their new home building unit.
Of course, chances are if you’re using Inspire Home Loans to get a mortgage, you’re also buying a Century Communities property.
To sum things up, Inspire Home Loans has the latest tech, a good array of loan programs, and may offer pricing specials that outside lenders can’t compete with.
They have some mixed reviews, but mostly positive ones, though your mileage may vary depending on who you work with.
But even if the process has hiccups, the savings from a big mortgage rate buydown could be worth it.
Still, take the time to shop third-party lenders, brokers, banks, etc. With other offers in hand, you can negotiate and potentially land an even better deal.
Inspire Home Loans Pros and Cons
The Good
Digital mortgage application (can apply for a home loan online)
Mostly paperless loan process powered by nCino
Lots of loan programs to choose from including homebuyer assistance
Mortgage rate specials for buyers of Century Communities homes
Some folks might think of Milwaukee as the quieter, cheaper city to live in that’s “close enough” to Chicago, but this city is so much more than a bedroom community. It’s also not just a brewery city for the rest of us.
Milwaukee has its quirks but she’s one of the nicest waterfront cities on Lake Michigan with loads of Milwaukee secrets and unique hot spots.
There are tons of Milwaukee facts you should know about this city if you want to think of yourself as a true local. Check ’em out.
Milwaukee facts you really ought to know if you want to call yourself a local
1. The first Milwaukee fact is all about winter sports, specifically ice skating. The “Slice of Ice” skating rink in Red Arrow Park downtown is larger than Times Square! The rink allows up to 100 skaters comfortably around the ice at one time.
2. Milwaukee goes by many nicknames. Some of the most well-known include The Mil, Miltown and Brew City. You might also hear mention of Mildoggy, Cream City, Ma-waukee or Milburb, too.
3. Brew City is home to the world’s only Harley Davison museum. Why? Well, a teenager who worked at the town’s bicycle factory (Meiselbach) got the itch for something “better” and built himself an engine, which he attached to a standard bicycle frame. That kid was William S. Harley and he joined forces with childhood friend, Arthur Davidson to create the Harley-Davidson Motor Company. Milwaukee is where the motorcycle was born.
4. The Milwaukee Public Museum is home to the planet’s largest known dino skull – a T-rex skull, accompanied by a full-size replica of the beast’s body.
5. The same museum happens to have been around since 1892, though in a bit more modest form. The museum is home to over 4 million artifacts and specimens, too, making it a pretty impressive history museum for a smaller city like Milwaukee.
6. Cheeseheads might tell you Wisconsin and Milwaukee are all about the dairy and the football, but the town’s nickname of Cream City actually has nothing to do with the dairy industry. The nickname actually refers to the local clay. The area is rich in limestone and magnesium, resulting in beautiful bricks.
7. Milwaukee is known as the frozen custard capital of the world. The city has the largest gathering of frozen custard shops, selling that egg-yolk-based, rich, creamy version of “ice cream” so many of us love loading up with toppings and mix-ins. If you haven’t had custard concrete yet, you’re seriously missing out.
8. Milwaukee didn’t just give us the motorcycle, this magnificent city gave the world the QWERTY typewriter, the precursor to our contemporary computers and keyboards. The inventor, Christopher Latham Sholes, moved to Milwaukee to begin writing for a local paper and decided he needed a typewriting machine to keep up with the workload. So, now we have the typewriter.
9. Milwaukee’s art museum moves more than hearts and souls. It literally moves. Well, part of it does, anyway. The museum is one of the few in the world that has an intentionally moveable part. The wings of the “Calatrava” open in the morning to welcome visitors, then close up at night. It’s worth popping by for a watch, even if you don’t go inside.
10. Another creation birthed in Milwaukee is Carmex lip balm. In the 1930s, the creator, Wilfred Woelbing, whipped up his first batch on his home stove to relieve cold sore pain. Realizing he’d found a good thing, he started selling the product out of the trunk of his car. Eventually, he opened a facility for manufacturing it, and the lip balm is still being created right here in one of the Milwaukee suburbs.
11. What goes well with brewskies? A bowling alley, of course. And Milwaukee happens to have the oldest certified bowling alley in the U.S., located inside the Holler House on Lincoln Avenue. There are only two lanes, though, players score by hand and pinsetters still tend the lanes. You’ll have a pretty long wait to play, but if you’re into booze, you can sidle up to the bar and have a fabulous gab with the bartender. While there, you can check out another bizarre claim to fame: a collection of bras that hangs from the ceiling, started about 50 years ago by the beloved Marcy Skawronski, the late owner of the establishment.
12. How about this Milwaukee fact: There’s a lake under the city. The city, as some folks think, isn’t built on swampland, but over Lake Emily, located under the old Northwestern Mutual home office.
13. Cream City is the unfortunate location of the attempted assassination of former President Teddy Roosevelt, in 1916. Thankfully, his glasses cases and the manuscripts in his chest pocket saved his life. And, undaunted, the former president went on with his speech, despite having a bullet in him.
14. Milwaukee wasn’t always spelled the current way. It was “Milwaukie” in early records. The name itself comes from an Algonquin word, “millioke” which means “good,” “beautiful” and “pleasant land.”
15. The Bronze Fonz, a bronze statue of the character Arthur Fonzarelli from “Happy Days,” stands along the Milwaukee RiverWalk. The city’s proud of its most popular fictional character.
16. Another unofficial Milwaukee nickname is City of Festivals. The town knows how to party! With cultural events along the lake at the Henry Maier Festival Park and the incredible Summerfest, which has earned itself the “World’s Largest Music Festival.” As many as 900,000 folks show up to the amazing event every year. Yeah, approaching a million people at a single party!
17. Another invention to come out of Milwaukee is the answering machine. Joseph Zimmerman and George Danner created the first successful answering machine right in Milwaukee – and some of you reading this probably don’t even know what one of those is.
18. The Polar Plunge has been popular in Milwaukee on New Year’s Day since 1916. Folks strip down and jump into the freezing water of Lake Michigan. Some folks dress up in crazy costumes to up the insane factor for a little extra fun.
19. The city was pretty bummed when their baseball team The Braves moved south to Atlanta in 1966. But in 1969, the Seattle Pilots hit the bankruptcy wall and moved to Brew City to become the Milwaukee Brewers.
20. Located on the campus of Marquette University, there’s a tiny chapel named the St. Joan of Arc Chapel — and it’s older than America’s first official establishment by 300 years! The French village of Chasse built the tiny religious building and sent the ruins of the chapel to America after World War I where it was rebuilt in New York. The owners then gifted the chapel to Marquette University. The building was painstakingly transferred to the campus and installed. It’s the only medieval structure in the Western hemisphere that’s actively used for holding mass services.
21. Random Milwaukee fact: The city is home to the world’s largest collection of antique microphones. You can find them at an electronics store on East National Street — all 1,000+ of them! There are some pretty cool ones here, including one used during an expedition to Antarctica. There’s also an original telephone from Alexander Graham Bell, from 1876.
22. The Oriental Theatre of Milwaukee is a huge fan of the Rocky Horror Picture Show. In fact, the theatre has run the film every single month since January of 1978!
23. The American Family Field, where the Brewers play, has a retractable roof. It’s pretty cool to watch if you get the chance.
24. The walking path along the river downtown has a unique claim to fame: Its skywalk is the only one in the world that exists over boat traffic.
25. By the 1850s, Milwaukee was heavily inhabited by German immigrants and already boasted more than two dozen breweries. Some of them are still in business today, like Pabst, Miller and Schlitz.
26. And speaking of Pabst, in the Brewery District, located around the original site of the Pabst Brewery, is a vibrant community now with loads of Milwaukee apartments for rent here along with loads of nightlife.
27. In the early 1900s, Milwaukee ditched the idea of the two most popular political parties in the country and went with a third option: the Socialist Party. They voted in a Social mayor, Emil Seidel, then again twice more with other social mayors.
28. And speaking of mayors, Milwaukee has only had four mayors since 1960, including interim Mayer Marvin Pratt who only served for three months!
29. You’d think with all the breweries and beer in Beer City, Prohibition wouldn’t have been a thing. Well, you’d be wrong. The 1920s Prohibition laws nearly sank the city. The breweries, however, managed to find a way around this by serving up beer to their Catholic patrons eating fried fish on Fridays, as a means of “washing down” the fish fry. For those breweries wanting to abide by the laws, they served up soda, non-alcoholic beer, candy and even started snow plowing for survival.
30. The area surrounding Milwaukee was originally home to several Native American Nations, including the Menominee, Fox, Ho-Chunk (Winnebago), Sauk and Potawatomi.
31. The first Europeans to come through the area were French Catholic Jesuit missionaries who aimed to minister to the Native Americans and the fur traders of the region.
32. The Basilica of St. Josaphat is in the Lincoln Village neighborhood in Milwaukee, and it’s modeled after St. Peter’s Basilica in Rome. The building boasts one of the largest copper domes in the world.
33. During the second half of the 19th century, Milwaukee became a hub of industry. Flour milling, iron founding and leather tanning were all major industries in the area, bringing prosperity to the city. For a time, Milwaukee was heavily involved in manufacturing automobiles, as well — including the Kissel Kar, the Ogden and the Nash — but that industry has become obsolete in the city now.
34. One of Milwaukee’s most interesting houses from the old days used to belong to Frederick Pabst, founder of Pabst Blue Ribbon. The Victorian-style mansion is on West Wisconsin Avenue and has 14 fireplaces, 10 bathrooms and a study filled with secret compartments.
All right, folks. We gave you the Milwaukee facts, but what have we missed? Leave your comments below!
Whether you’re a beer-drinking cheesehead or a transplant looking for some nightlife, weird museums and historical hotspots, these Milwaukee facts will get you headed in the right direction to sounding like a local in no time. Find your own place to live to enjoy the city now!
Thinking about becoming a transcriptionist? In this Transcribe Anywhere Review, I’ll go over whether this course is worth it or not. Transcription is a popular work from home job, and there’s a high demand for transcriptionists. Plus, you can make a good income with a home-based business. On average, a general transcriptionist makes about $45,000…
Thinking about becoming a transcriptionist? In this Transcribe Anywhere Review, I’ll go over whether this course is worth it or not.
Transcription is a popular work from home job, and there’s a high demand for transcriptionists.
Plus, you can make a good income with a home-based business. On average, a general transcriptionist makes about $45,000 per year, while legal transcriptionists can earn around $60,000 annually.
You might have heard of Transcribe Anywhere, a popular course for transcription training. It is self-paced training for both general and legal transcription, along with resources to improve your skills and find transcription jobs.
But, is it a worthwhile investment, and is it a worthwhile course to take?
In this Transcribe Anywhere review, I will go in-depth into the details of the course, talk about what’s included, and help you figure out if you should take this course. I’ll also answer some frequently asked questions and talk about six job alternatives related to transcription.
By the end of this article, you’ll have a clearer understanding of whether Transcribe Anywhere is the right choice for your career goals.
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In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.
Recommended reading:
Key Takeaways About Transcribe Anywhere
A transcriptionist turns audio and video files into text documents. They listen to what’s being said and type it up into a text format.
Transcribe Anywhere has in-depth training in general and legal transcription, plus comes with lifetime access.
The courses take around 2 to 6 months to finish – they are self-paced, so you can go as slow or fast as you want.
The courses will help you to improve your transcription skills, find jobs, and start a business.
Transcribe Anywhere Review
What is transcription?
Transcription is the process of converting spoken language into written text. As a transcriptionist, your job is to listen to audio or video recordings and accurately type the spoken words into text format. This freelance job requires good listening skills to accurately transcribe what is being said.
To be successful as a transcriptionist, you will need to be good at spelling, grammar, punctuation, and maintaining focus over time.
There are many types of transcription jobs available, like general, medical, or legal transcription. As a freelance transcriptionist, you can handle different types of projects and serve various clients.
For transcription, you’ll need a computer with word processing software (like Microsoft Word), quality headphones, a foot pedal for playback, and a comfortable chair for long hours at your desk.
You might be curious, can’t a computer automatically transcribe? Well, computers often make many mistakes when transcribing, so having a human do it is more accurate and dependable.
What is Transcribe Anywhere?
Transcribe Anywhere is an online transcription course created by Janet Shaughnessy. This course helps people learn how to transcribe and work from home. They have two main courses: a general transcription course and a legal transcription course. Both courses are very thorough and easy to follow, making them great for beginners.
You’ll get access to many learning resources, such as audio and video files, practice dictations, and quizzes. This makes sure that you understand what it takes to become a successful transcriptionist.
Transcribe Anywhere has a free training workshop so you can learn the basics and decide if transcription is the right career for you.
What’s in Transcribe Anywhere?
Below, I will be talking about what is in Transcribe Anywhere.
Transcribe Anywhere courses
Transcribe Anywhere has two main courses: General Transcription: Theory & Practice and Legal Transcription: Theory & Practice.
These courses have many modules which teach a wide range of topics related to transcription and include videos, tutorials, and practical lessons.
In a section below, I will be talking more about the lessons in each course.
How much does Transcribe Anywhere cost?
If you’re considering investing in the Transcribe Anywhere courses, you’re probably wondering about the price.
Here’s a breakdown:
General Transcription course – $497
Legal Transcription course – $597
General & Legal Transcription Bundle (Both Courses) – $797
Both Courses + Website & Support + Live Access to the Transcribe Anywhere Team – $2,997 (This is more expensive because it includes both courses, transcription equipment (software, headset, and foot pedal), plus a done-for-you professionally designed website).
There are also payment plans where you can split the cost into 4 payments.
Transcribe Anywhere also can be sampled through a free training: FREE Workshop: Is a Career in Transcription Right for You?
Community and support
Transcribe Anywhere comes with a helpful support group where students can engage in discussions and seek advice. You can connect with others who share your interests, providing valuable insights from individuals at different points in their transcription journey. This community serves as a valuable source of motivation, guidance, and career tips.
This community used to be in a Facebook group, but it was recently moved to a new forum dedicated to Transcribe Anywhere.
How to sign up for Transcribe Anywhere
To purchase Transcribe Anywhere, visit their website and choose the course that best suits what you’re looking for. Whether you’re thinking about General Transcription or Legal Transcription, both courses have a thorough curriculum that will help you find transcription jobs.
Here are the links for the two courses:
So, what is the difference between legal transcription and general transcription?
General transcription involves converting audio and video content into written form, and it is used across various industries like academia, marketing, interviews, and films. On the other hand, legal transcription requires the same skills as general transcription, but it also demands expertise in legal terminology and documentation.
Below is more information about each course:
General Transcription course
The General Transcription course is a training course in transcription to give students a versatile skill set for many different industries. The curriculum covers everything from basic transcription knowledge to perfecting skills for accurate transcriptions.
What’s included in this course?
Learn everything you need to know about transcription
How-to’s of transcription and software video tutorials
Video tutorials, worksheets, printable PDF cheat sheets
Tips, tricks, and step-by-step how-to from a 30+ year transcription veteran instructor
How to build and market your transcription business
Final exam and certificate
Inclusion in the Official Graduate Directory (upon passing the final exam)
Lifetime access to the entire course and student community
Here is what is in each module:
Module 1 – Laying the Foundation
The first module of the general transcription course teaches you the basics of becoming a transcriptionist. The lessons included are:
The Right Equipment You Need For the Job
Tools of the Trade
Standard vs. Strict Verbatim
Types of GT Jobs
Formatting a Transcript
Cyber Security
Module 2 – Essential Skills for Excellent Transcription
This module teaches you the correct usage of punctuation, spelling, and more so that you can provide high-quality and accurate transcriptions. The lessons included are:
Parts of Speech
Sentences, Fragments, and Run-ons
Phrases
Clauses
Punctuation Makes Perfect
Punctuation Practice
Spelling: The Lost Art
Transcribing Numbers
Miscellaneous Transcription Conventions
Module 3 – Time-saving Tools for Efficient Transcription
This module teaches you different ways to work faster so that you can make more money. The lessons included are:
Using Text Expanders and Shortcut Keys
Shortcut Keys for the Top 102 Most Frequently Used English Phrases
Spell Check, Search & Replace, Modern Usage Notes
Commonly Used Transcriptionist’s Notes
Using Transcription Templates (includes downloadable templates)
How to Download Practice Transcription Files (video tutorial)
Time Coding
Midterm Exam
Module 4 – Introduction to Practice Dictations
Module 4 is all about practicing your transcription skills. There are several practice lessons along with an answer key so that you can check your work.
Level 1 Practice Dictations: Clear audio in simple, short videos
Level 2 Practice Dictations: Audio-only Files; Non-American English accents
Level 3 Practice Dictations: Transcribing “Strict Verbatim” Style
Level 4 Practice Dictations: Transcribing Multiple Speakers
Level 5 Practice Dictations: Semi-Poor Audio Quality & Research Skills
Level 6 Practice Dictations: Working with Time Codes
Level 7 Practice Dictations: Transcribing Poor Audio with Foreign Accents
Module 5 – Final Exam and Certification of Completion
This is the module where you take the final exam, and it is graded by a human on the Transcribe Anywhere team. You are given feedback as well so that you know what you can improve on. If you pass the exam (you can take it as many times as needed), you are given a Certificate of Completion.
Module 6 – Building Your Business
This module teaches you how to build your transcription business and goes over topics such as:
Income Guidelines and Setting Your Rates
How to Handle Finances and Taxes When Working as a Freelance Transcriptionist
Developing a Business Plan
Marketing and Advertising
Customer Service Essentials
Connecting with Clients
Where to Find Contract Work
Top Business Directories for Local Marketing
How to Find Clients on YouTube
Opportunities for Expanding Your Services
Please click here to learn more about General Transcription: Theory and Practice.
Legal Transcription course
The Legal Transcription course, on the other hand, is tailored for those wanting a specialization. This course dives deep into legal transcription, giving an in-depth understanding of legal terminologies, formats, procedures, etc. Like the General course, this one too is comprehensive; however, it is focused primarily on the legal sector.
Legal transcriptionists are in demand by a range of professionals and organizations, including attorneys, court reporters, academics, insurance companies, and research institutions, among others.
What’s included in this course?
14 full-length training modules
Legal transcription style guide plus downloadable templates of legal forms and documents
Learn the latest advancements in the world of legal transcription
Video tutorials, worksheets, printable PDF cheat sheets
Tips, tricks, and step-by-step how-to from a 30+ year transcription veteran instructor
Marketing how-to/tutorials
Final exam and certificate
Inclusion in the Official Graduate Directory (upon passing the final exam)
Lifetime access to the entire course and student community
BONUS – Transcriptionist Pro Website Theme
Here is what is in each module:
Module 1 – Introduction to Legal Transcription– This module goes over what legal transcription is and goes over the basics.
Module 2 – Tools of the Trade – In this module, software and other tools are discussed. You will learn what equipment you need and where to get it.
Module 3 – Lawyers Litigate; Transcriptionists Punctuate– This module goes over parts of speech, sentences, phrases, punctuation, legal terminology, spelling, and so much more.
Module 4 – Microsoft Word for Legal Transcriptionists – This module teaches students how to notate transcripts, how to use shortcuts to increase typing speed, and more.
Module 5 – Basic Legal Correspondence & Practice Dictation– This module teaches students how to transcribe common documents from lawyers and other legal professionals, such as memos, client consultations, examinations, property deeds, and more.
Module 6 – The Legal Process and Court Procedure– This module helps students better understand the legal process, such as descriptions of types of law, steps in a civil or criminal case, and the anatomy of a court transcript.
Module 7 – Forms and Templates – This module helps students better understand different legal documents that are used in judicial proceedings.
Module 8 – Practice Transcription of Court Proceedings – In this module, students can practice transcribing court proceedings.
Module 9 – Depositions – This module helps students better understand the deposition process. There are also practice audio files that students can work on.
Module 10 – Law Enforcement – Students can practice law enforcement transcripts in this module.
Module 11 – Conferences and Legal Association Meetings – This module is all about how to transcribe legal meetings and conferences.
Module 12 – Time Coding for Legal Transcriptionists – This module teaches students how to transcribe documents that include time stamps.
Module 13 – Resources and Final Exam – This module links to helpful tools and resources such as writing and style guides, legal resources, dictionaries, and more. The final exam is also located in this module.
Please click here to learn more about Legal Transcription: Theory and Practice.
Is Transcribe Anywhere legitimate?
Transcribe Anywhere success stories
Transcribe Anywhere has helped many students start their transcription careers. Many students of Transcribe Anywhere have built successful transcription businesses after completing the course.
Here are some Transcribe Anywhere testimonials:
“I purchased this general transcription training course recently to help me get started in a new career and I couldn’t be happier with my decision. This is an extremely comprehensive course. There’s NOTHING out there like this (believe me, I looked) and it has ALL you need to get started! I highly recommend this course!” – Laura P.
“I took kind of a backward journey to Janet’s course! I started work doing legal transcription several months ago. I took the Transcribe Anywhere course “Legal Transcription: Theory and Practice” as a way to increase my skill set. The course was great! I discovered what I didn’t know, which not only helps me with my current work but also with obtaining my CET certification, which I want to do in the next few months. If anyone is wondering about legal transcription work in general, I can tell you I love it. The work is so interesting to me, and the ability to work from home is wonderful. I have a fairly active family, and I love being able to switch my hours around and work early, late, or weekends if I need to.” – Krista K.
“My husband was recently transferred to another state for work and I cannot join him until my son graduates from high school. This created a financial burden for us as we were going to have a house payment and a rent payment in another state. I needed to generate some income for us quickly but I didn’t want to work outside the home. I began the legal transcription course in April. There were definitely times when I thought I wouldn’t be able to complete the course because it is not easy. However, I knew I needed to do this for my family and I persevered, passing my final exam at the end of July. I began searching for work soon after, and within two weeks was hired on doing government work. Staying the course and completing what I started has allowed me to generate an additional $1600 per month for my family. If you are looking for a reputable course, this is it! Without this course, I would never have been able to work from home and generate this kind of income.” – Tracy R.
You can read more Transcribe Anywhere testimonials here.
Transcribe Anywhere review BBB
Transcribe Anywhere has a positive reputation on BBB with an A+ rating.
Pros and Cons of Transcribe Anywhere
A Transcribe Anywhere review wouldn’t be complete without talking about the pros and cons of Transcribe Anywhere.
Pros:
Well-rounded course material – The courses teach you everything you need to know about starting a transcription business, all from the very beginning.
Focused on building a career – The courses at Transcribe Anywhere are not just about learning transcription. They also help students set up a successful transcription business.
Flexibility – The self-paced nature of the courses at Transcribe Anywhere lets you learn at your own pace. This can be a benefit for those balancing work, family, or other commitments while pursuing the course.
Cons:
Cost – The courses at Transcribe Anywhere are several hundred dollars, which may be a barrier for some people to begin them.
Time commitment – Since Transcribe Anywhere courses teach you everything that you need to know, they do take a decent amount of time to finish at 2 to 6 months.
As you can see, the advantages of Transcribe Anywhere outweigh any potential downsides. The helpful course lessons make it worth the time and cost for many people.
Frequently Asked Questions About Transcribe Anywhere
Below are answers to common questions about Transcribe Anywhere and their courses.
Is Transcribe Anywhere worth it?
Should you take a course to learn transcription if you’re just starting out?
Enrolling in a transcription course can be a good idea for many. This course teaches skills like fast and accurate typing, and how to use transcription software. They can also help you find jobs and kickstart your career.
However, if you’re a quick learner with strong grammar and typing skills, you might find beginner transcription work without needing a course. There are also free resources online, like tutorials and practice tests, to help you get started.
Yet, for specialized and higher-paying transcription jobs, like legal or medical transcription, a course is often necessary.
As long as you’re willing to put in the hard work to master the skill, the courses seem to be worth it.
Who is Transcribe Anywhere for?
Transcribe Anywhere is designed for people looking for a career in transcription or anyone looking to improve their transcription skills. Whether you’re a beginner or an experienced transcriptionist looking to improve your skills, Transcribe Anywhere has helpful training.
How long does Transcribe Anywhere take?
Both the general and legal transcription courses take around 2 to 4 months to finish. The two courses are self-paced, which means you can take as much (or as little!) time as you need to complete them.
Who is Janet Shaughnessy?
Janet Shaughnessy is the founder of Transcribe Anywhere and an experienced transcriptionist. She also runs her own transcription business called Zoom Transcription Services. She created Transcribe Anywhere to teach others the skills needed to become successful transcriptionists and find clients.
How much can a beginner transcriptionist make?
Beginner transcribers’ earnings depend on factors like the company you work for and how fast you can type. Typically, transcriptionists make between $15 to $30 per hour. It’s worth knowing that transcription jobs often pay based on the duration of the audio you’re transcribing. This means that if you have excellent listening and typing skills, you’re likely to complete assignments more quickly, allowing you to make more money. While transcription work won’t make you wealthy, it offers a legitimate way to earn money from home with the flexibility to structure your workweeks.
This is an online typing job that depends a lot on how fast you can type – the faster you can type, the more money you can most likely make.
Recommended: 20+ Best Jobs That Pay $20 An Hour Or More
Is there a free trial or sample course available for Transcribe Anywhere?
Transcribe Anywhere has free training: FREE Workshop: Is a Career in Transcription Right for You?
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In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.
Is Transcribe Anywhere accredited?
General and legal transcription programs do not have national accreditation. But, Transcribe Anywhere is recognized as an approved school by the American Association of Electronic Reporters and Transcribers (AAERT).
How does Transcribe Anywhere compare to other transcription courses?
Transcribe Anywhere has received a lot of positive reviews for its very helpful courses and is often said to be the best transcription course out there.
Jobs similar to transcription
In this section, we’ll look at some jobs similar to transcription.
Blogger
Bloggers write content on different topics, such as finance, travel, lifestyle, food, and more. There is a lot of typing involved as a blogger, which is what makes it a little similar to transcribing.
I have been blogging for over 10 years, and it’s my favorite way to work from home. Highly recommend it!
If you are interested in becoming a blogger, I recommend signing up for the How To Start A Blog FREE Course. In this free course, I show you how to create a blog, from the technical side to earning your first income and attracting readers.
Recommended reading: How To Monetize A Blog: How I Grew A $5 Million Blog
Proofreader
If you’re skilled at spotting grammar and punctuation mistakes, proofreading could be an ideal job for you. As a proofreader, your role is to review written material, making sure that it’s free from any grammatical, spelling, or punctuation errors.
If you are interested in finding online proofreading jobs, I recommend signing up for this free 76-minute workshop all about how to start a freelance proofreading business. You can sign up for free here.
Recommended reading: 20 Best Online Proofreading Jobs For Beginners (Earn $40,000+ A Year)
Virtual assistant
A virtual assistant (VA) provides administrative, technical, or creative support to clients from a remote location (such as their home office). VAs may handle emails, schedule appointments, or manage social media accounts.
If you are interested in finding part-time virtual assistant jobs or even full-time ones, I recommend signing up for the free workshop 5 Steps To Become a Virtual Assistant. Here, you will learn how to become a virtual assistant, even if you have no experience.
Recommended reading: Best Ways To Find Virtual Assistant Jobs
Translator
If you are fluent in two or more languages, working as a translator might be a great fit for you. As a translator, you’ll be converting written text from one language to another while preserving the meaning and context.
Freelance writer
Freelance writers write articles, blog posts, ebooks, or even social media content for clients.
Recommended reading: 14 Places To Find Freelance Writing Jobs – (Start With No Experience!)
Bookkeeping
Bookkeepers are responsible for helping businesses take care of their finances, such as by tracking receipts and spending.
If you are interested in finding online bookkeeping jobs, I recommend signing up for this free workshop all about finding a virtual bookkeeping job. Here, you will learn how to start a freelance bookkeeping business. You can sign up for free here.
Recommended reading: Online Bookkeeping Jobs: Learn How To Get Started Today
Transcribe Anywhere Review – Summary
I hope you enjoyed this Transcribe Anywhere review.
If you want to become a transcriptionist, then the two courses sold by Transcribe Anywhere are a great place to start your new career.
Transcribe Anywhere’s courses help you turn your transcription skills into a career. They teach not only transcription but also how to find good-paying clients and run your business successfully.
These courses benefit anyone seeking a flexible remote job. Whether you’re a mom wanting to work while your kids are at school, a retiree wanting to boost your income, or a digital nomad looking for a reliable source of income on the move, Transcribe Anywhere can help you reach your goal.
A great free resource is FREE Workshop: Is a Career in Transcription Right for You? You’ll learn what transcription is and why it’s a highly in-demand skill, who hires transcriptionists, what it takes to become one, and more.
Do you want to become a transcriptionist? Do you have other questions for this Transcribe Anywhere Review?
Buying a home is an incredible accomplishment but it does not come without its challenges. Not only are you on the hunt for your dream house (you know, that one with that perfect yard for the dog and amazing fireplace), you’re likely also taking stock of your finances to figure out what you can afford.
And then there’s getting a mortgage loan, which means finding a good, reputable mortgage lender — one that offers the type of loan program that best suits your needs, and also provides excellent customer service and competitive rates. Finding a mortgage lender is one of the biggest financial decisions you’ll make.
Luckily, there are plenty of viable options for borrowers. There are online lenders, credit unions, direct lenders, and mortgage brokers with a vast array of loan programs to choose from, to name just a few. The trick is narrowing down a crowded field to find a mortgage lender you trust that offers the loan program you want.
If you’re wondering how to find a good mortgage lender, here are five tips on how to find the best mortgage lender for you.
Tips for Shopping For a Mortgage Lender
1. Decide What’s Important
Throughout the process of obtaining a loan, you’ll have a lot of conversations with a bunch of different people. Before jumping in headfirst, take some time to understand what loan programs you may qualify for, the amount of downpayment you have to work with, and if you are a veteran, what lenders offer VA loans.
Once you narrow down the type of mortgage loan program you will be shopping for you can think about what other elements are important to you.
For one thing, there’s the type of communication you’ll want to have with the mortgage lender. Good mortgage lenders should be clear and upfront about the loan process and all associated costs. They should be willing to answer all your questions — and whether you’re a first-time homebuyer or not, you should feel comfortable asking any questions you may have.
You may even want to ask about how a mortgage lender will be communicating with you so you’ll know what to expect. For instance, you could ask them: “Do you communicate by phone, email, or text?” and “How quickly do you respond to questions?”
This is important because there are multiple steps that require back-and-forth correspondence and paperwork when applying for a mortgage. Maybe it’s critical for you to have someone who responds quickly. Ask your potential mortgage lender: “What are your turnaround times on things like pre-approval, appraisal, final approval and closing?” 💡 Quick Tip: Buying a home shouldn’t be aggravating. SoFi’s online mortgage application is quick and simple, with dedicated Mortgage Loan Officers to guide you through the process.
2. Be Prepared
Part of knowing how to find the best mortgage lender is to learn the vital details about the mortgage you want to take out. It’s hard to choose between lenders if you don’t truly know what you’re looking for, especially when there’s as much fine print as is typically involved in taking out a mortgage loan.
First, know the costs involved in taking out the type of mortgage you need in addition to the interest rate. There will likely be various fees associated with taking out a mortgage, such as origination and application fees, appraisal fees, and other third-party fees.
Fees can vary by lender, so have some idea of what is common and what to look out for. For example, if the rate quote is lower, are the fees higher as a result?
Next, it’s smart to have an idea of how much home you can afford and how much of a down payment is required under your preferred type of loan program. Be aware that the same loan program can have different down payment requirements at different lenders.
Knowing this type of information may help you narrow your search to the lenders who best fit your needs. Also, having your financial details in order will tell you how much you have to work with so you can get down to business with the lender of your choice.
How you have managed your credit and the resulting credit scores will come into play throughout the mortgage process. Your credit score may be one of the determining factors on what mortgage lenders you can choose from based on the loan programs you may be eligible to qualify for.
You may want to take some time to make sure your credit profile is in good enough shape for the loan program you want to qualify for before starting the process of searching for a mortgage lender.
3. Know Your Options
Finding the right mortgage lender means being able to navigate who you can work with in the big world of mortgage lending. Here are some of the major types of mortgage lenders out there. Many may offer similar types of loan programs, but possibly with different fees and qualifying criteria.
Mortgage bankers: Bankers work for a financial institution that underwrites loans, but does not take deposits. Mortgage bankers can sometimes also broker out loans.
Retail lenders: Similar to mortgage bankers and also known as direct lenders, retail lenders only originate mortgage products offered by their financial institution.
Mortgage brokers: Mortgage brokers don’t generally work with one institution, but instead act as an intermediary between the borrower and a wholesale lender. For the service of pairing you with a mortgage loan from one of the lending institutions they are approved to work with, the mortgage broker will generally take a commission that is a percentage of the loan amount. The loan is approved and funded by the wholesale lender.
Online lenders: A newer option for borrowers, online lenders like SoFi offer mortgage loans and focus on competitive rates and a more streamlined application.
Correspondent lenders: Typically, correspondent lenders are local mortgage loan companies that have the capital to fund a loan, but then turn around and sell the loan to a major financial institution.
Wholesale lenders: Unlike retail lenders, wholesale lenders don’t interact with borrowers and typically rely on brokers to sell their products.
Portfolio lenders: These lenders originate and fund loans from bank deposits and do not typically resell them after closing. They typically include community banks, credit unions, and savings and loan institutions.
Still, wondering how to find a reputable mortgage lender from these options? One thing you can do is read online reviews, like those on the Better Business Bureau’s website. You can also check to make sure that your lender is registered to originate loans with the Nationwide Multistate Licensing System Registry in your state.
4. Compare Lenders
It’s a good idea to shop around for mortgage rate quotes with a number of different lenders. Check with banks, online lenders, credit unions, and other local independent lenders to compare loan terms, interest rates, fees, and closing timelines. Request quotes in writing.
You can plug offers into a mortgage calculator to get an idea of the total interest costs. With a mortgage calculator, you can also compare different down payment options.
And remember, the interest rate isn’t the only cost to take into consideration. You’ll want to account for all of the fees associated with each rate and program offer.
Third-party fees should generally be the same no matter what lender you choose, so it’s the lenders’ loan terms, (qualifying) rate, and fees to compare apples to apples.
Checking on costs isn’t the only reason to get multiple quotes. It also allows you to experience a number of communication styles, and you’ll have a look into the process for each lender. 💡 Quick Tip: Generally, the lower your debt-to-income ratio, the better loan terms you’ll be offered. One way to improve your ratio is to increase your income (hello, side hustle!). Another way is to consolidate your debt and lower your monthly debt payments.
5. Get Pre-approved
Once you’ve narrowed it down to your chosen lender, apply for mortgage preapproval. During pre-approval, you’ll be asked to provide documentation on your financials, such as your paystubs, W2s, tax returns, bank account balances, and credit information.
This step is valuable when placing an offer on a home. A pre-approval letter shows that you have been vetted for the first (credit) portion of the loan process.
Once you apply with a lender you will receive a Loan Estimate laying out the down payment, fees, estimated monthly payment, and more.
This is the time to ask any lingering questions on the terms of the loan such as lending fees, rates, commissions, mortgage points, and any other fine print you may not understand.
Don’t be shy! This is a huge, important decision and you should feel welcome to ask every question twice if you need to.
At this stage, you may even want to consider negotiating your offers. If at all possible, use the competing offers as leverage to obtain better pricing. If the very thought of asking is intimidating to you, just remember that it never hurts to ask and the worst they can say is no. You might be surprised at what you can get by speaking up.
The Takeaway
Finding the right mortgage lender is one of the most important decisions you’ll make in the home-buying process. You’ll want to compare different lenders and choose one you feel comfortable working with and who will answer your questions and get back to you quickly.
The right mortgage lender can help you get the best mortgage, and the best rate, for your needs. Be sure to weigh the options and compare and contrast different loan estimates to find the right deal for you.
Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% – 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It’s online, with access to one-on-one help.
SoFi Mortgages: simple, smart, and so affordable.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
Disclaimer: Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website .
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
SoFi Mortgages Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility for more information.
SoFi Loan Products SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
Apartment buildings and detached single-family home rental properties are the first things to come to mind when looking for a new space. But what about condo living?
In real estate, condos are very similar to standard apartments in that they’re individual units rented out to tenants by the owners of the property or condo owners.
What differentiates a condo vs. other types of rental units is that adjacent condos often have different unit owners. Some condos are actually lived in by the person who owns them.
A condo community comes with shared amenities, similar to an apartment building. It also includes homeowners association restrictions, condo association fees, exterior maintenance and private outdoor space. So what is a condo? Keep reading before reaching out to your real estate agent.
What is a condo?
So, what is a condo? A condo is a real estate property where an owner owns one unit in the building. The condo owners buy a condo in the building with a down payment and pay property taxes, monthly fees, HOA fees and the mortgage lender. All are similar to a single-family residence.
Condos are often popular choices for those who want the benefits of homeownership and community living without the hassle of maintaining a yard or general property upkeep like snow removal. If you don’t need much square footage, a condominium unit may be the right bet for you
Buying a condo is definitely a part of real estate investing as you get your own private residence with community amenities like swimming pools without large crowds and tennis courts and other common spaces.
Though a unit owner can own multiple condo units, it’s common for owners to own just one condo unit that they will either live in or lease out to apartment renters, depending on the condo association. They may rent the unit through a property management company, or the owner may do it themselves.
Condo owners may even rent their units for years and still choose to move in themselves later down the road into their living space. This is a stark departure from a standard apartment community or housing complex where all rental units share a singular owner.
Condos can be more high-end than standard apartments
Because condos are owned individually, owners may choose to outfit their private space with higher-end fixtures and features than other rental units. This is especially the case if the owner of the condo intends to occupy the unit themselves eventually.
This doesn’t make condos cheaper. Because of the added luxury often found in condos, they’re frequently more expensive than other rentals due to many condo fees. That isn’t the only reason condos may be pricier, however.
Most condos are individual pieces of real estate. Their owners are often subject to HOA fees generally passed along to the renter at the owners’ discretion.
Condo vs. apartment: What’s the difference?
In general, apartment buildings are rental properties owned by a landlord or property management company, while condos are owned by individual condo owners. You often have a lease in each scenario, but some key differences exist.
A condominium complex often has more benefits than apartments, such as access to shared amenities and the ability to upgrade the unit. Condos tend to come with responsibilities such as paying an HOA fee and adhering to rules and regulations set by the condo board. And you, as the renter, must also adhere to these rules that, are often more strict than standard apartment complexes.
Not every condominium association lets owners rent out their units, so confirm that you can before moving in and avoid eviction.
Are condo owners different than landlords?
A condo owner can be a landlord, but a landlord is not always the owner of the rental property. Landlords may own detached single-family homes and rent out the rental property to prospective tenants, or they can be a property management company that only manages. In that case, you are leasing the apartment and setting up your own utilities.
With a condo building, the condo owner covers the HOA fees, property taxes, condo fees and utilities since they are in their name, but these are tacked on into your monthly rent. They are essentially buying a condo and owning real estate.
Condo owners share the exterior costs with other condo owners in the complex by paying the homeowners association a monthly fee and covering maintenance costs.
As a benefit between condo vs. apartment, condo communities allow you to have a more personal relationship with the owner, mainly because they can keep turnover to a minimum. Because of this, there might be more flexibility in negotiating the monthly rent.
What is a condo fee?
Many condo associations consider external areas joint ownership when buying a condo in their complex. Most condo fees go to the condo board for maintenance costs like landscaping, lawn care, cleaning common spaces, funds for unexpected repairs, maintaining fitness centers and insurance.
The condo fees vary depending on various factors, such as the unit’s size, the building’s age, and the amenities the condominium offers. So keep this in mind when looking at your final monthly rent.
Renting at a condo community might be right for you
Renting a condo vs. an apartment might be a perfect fit if you’re looking for a living space with small square footage and trying out condo life in your own unit but want to wait to pay a down payment and closing costs.
If you’re looking to rent a high-end, well-cared-for apartment from a landlord you’ll likely be in direct contact with, a condo is the ideal type of rental for you. Otherwise, consider other types of rentals first, like a single-family home or standard apartment. Condo living is not for everyone.
Ready to find the condo of your dreams? Start your search here.
Muriel Vega is an Atlanta-based journalist who writes about technology and its intersection with arts and culture. She’s worked on content for startups like Mailchimp, Patreon, Punchlist, Skillshare, Rent. and others. Muriel has also contributed to The Washington Post, Eater, DWELL, Outside Magazine, Atlanta Magazine, AIGA Eye on Design, Bitter Southerner and more.
ST. LOUIS — BJC HealthCare and Washington University in St. Louis are expanding their “Live Near Your Work” program to support employees and revitalize underserved neighborhoods. The program now offers forgivable home loans, benefiting employees and communities.
“The Live Near Your Work program was designed to ease the financial burden of buying a home for BJC and Washington University employees, while helping to improve the economic health of our region,” said Deidre Griffith, BJC vice president of community health improvement.
This program, open to all eligible employees, now offers $12,500 forgivable home loans, a significant increase from the program’s inception in 1997. The expansion includes neighborhoods hit hard by historical disinvestment, particularly in the City of St. Louis and North St. Louis County, aligning with local initiatives to advance racial equity and economic opportunities.
Have a $2 bill? It could be worth thousands
Applicants can use the forgivable loan toward a down payment or closing costs, with the loan forgiven after five years if the employee continues to live in the home and maintains a benefits-eligible position at BJC or Washington University.
Lisa Weingarth, senior advisor for St. Louis initiatives at Washington University, emphasized the institutions’ commitment to making St. Louis a healthier and more prosperous place for all. “We do that by delivering excellent patient care to the region, supporting local businesses, and expanding economic and educational opportunities for our combined workforce of more than 52,000 employees,” Weingarth stated.
The “Live Near Your Work” program has been around for 26 years, with BJC and Washington University consistently increasing its budget, eligible neighborhoods, and loan sizes. Today, both institutions allocate $300,000 each per year to support the program.
When students take a gap year, they typically take a semester or year off between high school and college in order to take advantage of experiential learning. While extraordinary opportunities may be awaiting you, you may struggle to think of ways to pay for the experience.
If that’s the case, there are options that may help you pay for your gap year — beyond funding the costs out of pocket. Continue reading for more information on options you may want to consider should you find yourself in need of help funding your non-classroom experience.
Gap Year, Explained
First of all, what is a gap year and why do people take them?
Students may choose to take a semester or year off with the goal of getting a break from academics and prior to diving into postsecondary education. Students may choose to complete an internship, travel, study on their own, volunteer, or pursue other interests. Some students choose to pursue a gap year with the intention of discovering what it is that they want to major in or the career path they’d like to pursue.
Many students report a developed self- and cultural awareness, increased independence, and confidence after taking a gap year.
Students may choose to apply to colleges and universities during their senior year (and let colleges know of their plans to take a gap year), during their gap year or after they’ve completed their gap year. Waiting until later often gives them the advantage of being able to report on what they’ve learned during their time away from academics.
In some instances, a gap year may also be something for a student to do after college or in-between college and post-graduate study.
Planning Out Your Gap Year
It’s important to plan out your gap year ahead of time so you have a plan for how you’ll spend your time. It can be easy to waste time when you break from a traditional schedule. Having a plan ensures that you’ll have a better chance of achieving your goals — you might even curb expenses as well.
It may be helpful to break your plan down into measurable goals. For example, if you plan to travel, write down where you’d like to be on specific dates so you don’t miss any of your intended milestones. It’s also a good idea to budget for your gap year ahead of time so you know how much it will cost and the amount you’ll need per week or month to live on.
Options for Financing Your Gap Year
You can always finance your gap year with cash you or your parents have saved or with money from a well-meaning grandparent. However, not everyone has cash bankrolling their gap year. Let’s take a look at a few ways you may want to consider financing your gap year.
Gap Year Scholarship or Grant
A private entity may offer you a gap year grant or scholarship. A scholarship is free money that you don’t have to pay back that can come from a wide variety of entities, including clubs, organizations, foundations, charities, businesses, the government and individuals. It’s possible to find scholarships specifically for gap years, particularly for students who want to volunteer, improve certain skills, volunteer, develop a talent, or complete another type of experiential learning.
Grants are also a form of financial aid that doesn’t have to be repaid. Grants may also help you fund your gap year without having to repay the money. However, it’s important to check into the fine print on both college grants and scholarships to ensure that you fit the criteria. (Some scholarships and grants require you to get college credit in order to qualify.)
529 Account or College Savings
If you or your parents have college savings set aside in a brokerage account, savings or checking account, or a certificate of deposit (CD), you may want to use this money to pay for gap year expenses.
A 529 plan is an investment account that offers investment opportunities and tax advantages when used to pay for qualified education expenses. You may take withdrawals from a 529 plan to pay for qualified educational expenses for tuition, room, board, fees, books, equipment for classes, and other supplies at an accredited institution. If you meet these requirements, you won’t pay federal income tax.
However, if you spend the money on an expense that doesn’t qualify as a higher education cost (such as your plane ticket to go overseas). Be careful when using your 529 savings unless you’re attending a specific program through an accredited institution.
Find a Paid Internship or Part-Time Job
Obtaining a paid internship or part-time job can help you float some or all of the expenses of a gap year. For example, if you plan to spend your year volunteering at soup kitchens throughout a major city, a part-time job may help you pay for transportation to get there and also other living expenses. On the other hand, if you intend to use your gap year to gain work experience to discover your career goals, a paid internship may help you take care of all of your living expenses.
Recommended: Jobs to Help Pay for School Expenses
Apply for Financial Aid
Financial aid can refer to a wide range of types of money to pay for credits at college or career school.
Some gap year programs offer college credit, so you may be able to apply for federal financial aid using the Free Application for Federal Student Aid (FAFSA®). The FAFSA can give you access to grants, federal student loans, and other opportunities.
While you may have never had any intention of taking college credit during a gap year (you may feel that it defeats the purpose of a gap year!) but taking a college-credit class or two as part of your experience or doing a credit-based gap year program may help cover some of your costs.
Personal Loans
Taking out a personal loan involves borrowing money from a bank, online lender, or credit union that you repay in fixed installments. Personal loans are not backed by collateral, which also means they are called unsecured loans. (Secured loans, on the other hand, are backed by collateral, such as a house.) Personal loans often carry higher interest rates than some other types of loans. It may be difficult for someone to get a personal loan without a cosigner if they don’t have a long history of building credit.
It’s a good idea to be careful about taking out a personal loan due to these higher interest rates and having to bring a cosigner on board. That cosigner could end up paying for your loan if you default on the loan and ultimately, it could affect both of your credit scores.
Using Private Student Loans to Finance Gap Year
Private student loans are student loans that come from a bank, credit union, or other private lender. You probably cannot use private student loans to finance your time off from school if you plan to backpack across Europe, but if you do take a few classes as part of a gap year program, you may be able to use private loans to cover your costs. Check with lenders about their requirements before you apply and whether or not a particular program will qualify.
The Takeaway
A gap year can help “gappers” explore career goals, develop confidence, volunteer, and more. If you’re thinking carefully about a gap year, you also might be worried about the cost of taking that time off. Consider putting together a list of costs, goals, and plans so you can make sure that your gap year goes off without a hitch. From there, you can start planning how you’ll cover your expenses during your time away from the classroom.
Finally, don’t forget that you can always put together a combination of sources of funding. For example, you can pay for your gap year with a combination of scholarships, money saved, and internship money.
3 Student Loan Tips
Need a private student loan to cover your school bills? Because approval for a private student loan is based on creditworthiness, a cosigner may help a student get loan approval and a lower rate.
Even if you don’t think you qualify for financial aid, you should fill out the FAFSA form. Many schools require it for merit-based scholarships, too. You can submit it as early as Oct. 1.
It’s a good idea to understand the pros and cons of private student loans and federal student loans before committing to them.
SoFi private student loans offer competitive interest rates for qualifying borrowers, flexible repayment plans, and no fees.
FAQ
How much should I budget for a gap year?
The amount you should budget for a gap year depends on your personal circumstances. It also depends on what you plan to do. Living at home with your parents and volunteering in your community will likely cost less than hopping on a plane and spending a year abroad. No matter what your plan, it’s best to get an estimate of your expenses ahead of time and then use that as a basis for your budget throughout your gap year.
How can I get funding for a gap year?
There are many ways to get funding for a gap year. Depending on your situation and circumstances, you may consider tapping into scholarships, grants, a 529 account, college savings, through a paid internship or part-time job, financial aid, personal loans or private student loans. There’s no single way to fund your gap year, and you may also want to consider a combination of different sources to pay for it.
How long should a gap year be?
A gap year can be any length of time, but they typically last between two weeks and one year.
Photo credit: iStock/Pekic
SoFi Private Student Loans Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs.
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Oklahoma is more than OK in these reasonably priced metros.
Oklahoma is a lot of things, and not a lot of things. It’s in the South, but not genteelly Southern. It sits across the Red River from Texas, but most certainly not Texas. And it’s at the bottom end of the Great Plains but doesn’t have flowing fields of wheat and corn.
Oklahoma is dusty but contemporary. It’s diverse but steeped deep in Indigenous tradition. It’s the NBA, but also Bedlam. And from modern skyscrapers to a long, endless panhandle, it’s an inviting place to live.
Luckily, it’s also an affordable place to live. Rents are low and mostly reasonable. And options are diverse. The state features gleaming cosmopolitan cities, college towns, independent suburbs, close-knit farm communities and much more.
But with such a cheap state to live in, what are the cheapest places to live in Oklahoma? Where can the most affordable rental cities be found?
Average rent prices in Oklahoma
First, let’s take a look at rent prices in Oklahoma as a whole. Overall, the Sooner State is a fairly inexpensive state in which to live.
The average rent for a one-bedroom apartment across the state is $733. That’s a good bargain price for most renters. In fact, all but one of the cheapest places to live in Oklahoma fall below that figure.
Much of the country has seen a significant jump in prices from this time last year. However, Oklahoma remains fairly consistent. That number is up just two and a half percent from a year ago.
The cheapest cities in Oklahoma for renters
There are a number of reasons Oklahomans are looking for cheaper places to live, or assessing the price of where they currently reside. Among all the cities and towns in the Sooner State, what are the most affordable for renters? Below are the 10 cheapest places to live in Oklahoma.
10. Sapulpa
Average 1-BR rent price: $737
Average rent change in the past year: +1.38%
Like many below, Sapulpa is an Oklahoma city born as a railroad town and modernized as a stop on old Route 66. Today, it sits as Tulsa’s fourth-largest suburb, with a population of 22,000, fourteen miles from downtown. Sapulpa remains a commuter town, mostly residential with small pockets of service shops and fast-food restaurants. Its primary commercial strip is along the Dewey Avenue corridor, part of Route 66.
As a residential district, Sapulpa has a plethora of parks and green spaces. The town offers over 500 acres of land spread out among two dozen parks and recreation facilities. As well, there are nearly five miles of running and biking trails along five designated park paths around Sapulpa. For water enthusiasts, Sahoma and Pretty Water Lakes cover 300 acres combined. The destination is known for its excellent fishing, with stocks of trout and catfish.
“Oklahoma’s Most Connected City” is also one of the cheapest places to live in Oklahoma. On average, a one-bedroom apartment in the growing suburb leases for $737 a month.
9. Oklahoma City
Average 1-BR rent price: $711
Average rent change in the past year: -13.90%
Oklahoma has “plenty of air and plenty of room to swing a rope, plenty of heart and plenty of hope,” according to its eponymous musical. At its heart is its capital and largest city of Oklahoma City, with more than its fair share of that plentiful air and room. At over 600 square miles, O.K.C. is the second-largest city in the continental U.S. by area with a population of more than 100,000 residents.
The city where the wind comes sweepin’ down the plain is more than its roots as an oil and cattle town. “Oklahoma City is mighty pretty,” sings Nat King Cole on his hit “(Get Your Kicks on) Route 66.” Anyone who has visited O.K.C. can confirm that statement’s validity. It’s a bustling city of vibrant neighborhoods, close-knit communities and big business sectors. More than a fossil fuel hub, Oklahoma City is a leader in tech, healthcare and even sustainable energy.
It’s been a quarter-century since the attack at the Murrah Federal Building and two decades after the Moore tornadoes. The city has taken great strides in rebuilding, as well as revitalizing its city center. Downtown’s Bricktown entertainment district is one of the most vibrant in the Great Plains.
However, rents have remained affordable throughout the city. An average one-bedroom apartment runs $711 a month on average, a 14 percent drop over the last 12 months.
8. Tulsa
Average 1-BR rent price: $695
Average rent change in the past year: +1.30%
Be sure to take note, Tulsa is not some sleepy Midwest oil town. The city, one of the 50-largest in the nation, centers a metro area of over a million residents. It presents as modern, clean and metropolitan, more so than its larger neighbor and state capital to the west. It’s a city of big money, Great Plains skyscrapers and a bustling downtown with its gleaming BOK Center.
Tulsa is a growing tech, healthcare and finance hub, not to mention great for beef lovers. It offers a diverse population, over-40 percent non-white, and a rich history. Its cosmopolitanism has allowed it to become the leading arts, culture and nightlife destination in the Sooner State.
The Tulsa Zoo was voted “America’s Favorite Zoo.” The Linde Oktoberfest is ranked one of the top German celebrations and food festivals in the nation. And don’t forget the barbecue. Tulsa staples RibCrib, Billy Sims Barbecue and Oklahoma Joe’s are shipped across the country.
An affordable locale in the up-and-coming Ozark Plateau region, Tulsa is attractive to renters. The cheapest large city in Oklahoma, one-bedroom rents sit just under $700 on average.
7. Stillwater
Average 1-BR rent price: $668
Average rent change in the past year: +3.88%
Oklahoma State fans will be happy to find out their beloved Cowboy town is one of the cheapest places to live in Oklahoma, while the Boomer Sooners’ Norman failed to rank. One-bedroom apartments in the Frontier Region college town of Stillwater rent for an average of just $668 a month.
Stillwater — equidistant from Oklahoma City, Tulsa and the Kansas border — is a full-fledged Southern Plains small city college town. Washington Irving described it as a “glorious prairie spreading out beneath the golden beams of an autumnal sun.” Activity obviously centers on the university, but Stillwater offers plenty for urban living, as well. The city of 45,000 offers a number of museums, cultural institutions and a legendary music scene. It’s even home to the National Wrestling Hall of Fame.
But Stillwater is still chock full of college town favorites. World-famous sports bar Eskimo Joe’s is a hub for students, music enthusiasts, ‘Pokes fans and T-shirt-toting tourists. It even was named “Best College Post-Game Hangout,” as well as serving “America’s Greatest Cheese Fries.” The bar sits steps from both 60,000-seat Boone Pickens Stadium and Gallagher-Iba Arena, one of the oldest in the NCAA.
6. Midwest City
Source: ApartmentGuide.com
Average 1-BR rent price: $575
Average rent change in the past year: -12.09%
Most cities at the top of this list are old homestead towns that boomed when the railroad came through. Not Midwest City. O.K.C.’s third-largest suburb, Midwest City only dates back to World War II. The city was created around the then-new Tinker Air Force Base.
Thanks to considerable media attention, it quickly became a national model for community development after the war. A grocery store opened, a hospital, a junior college and a mall soon followed. By 1970, the city that rose out of empty land had nearly 50,000 residents.
Like several of the other cheapest places to live in Oklahoma, the military base is still the focal point of the town. But the heart of residential Midwest City lies in its thriving central business district. The commercial district lies across I-40 from the base. Revitalized at the turn of the century, the city’s main street follows SE 29th Street and centers on bustling Town Center Plaza. The area features big box stores, a walkable row of national chain casual dining and Tinker Bicentennial Park.
For suburban commuters to Oklahoma City or military families, Midwest City remains affordable. A one-bedroom apartment leases for an average of $575 a month. That figure has dropped over 12 percent since this time last year.
5. Enid
Average 1-BR rent price: $573
Average rent change in the past year: N/A
Just 30 miles from the Kansas border, Enid is the cheapest place to live in northern Oklahoma. Its proximity to Kansas explains its notoriety as the “Wheat Capital of Oklahoma.” In fact, the small city of 50,000 features the third-largest grain storage capacity in the world. This agricultural skyscraper city of silos is now the Enid Terminal Grain Elevators Historic District.
While Enid is still “where the best wheat grows and the oil flows,” there’s much more to the town life. Downtown Enid is low-slung among wide thoroughfares. That is except for the 14-story Broadway Tower, the tallest building in Enid. The district also features a children’s museum, railroad museum and western museum and Cherokee Strip Heritage Center. Enid even features the oldest symphony orchestra in Oklahoma.
The southern tip of town is occupied by the large Vance Air Force Base. With such a large military facility, affordable rental housing is important. An average one-bedroom apartment leases for just $573 a month.
4. Lawton
Average 1-BR rent price: $558
Average rent change in the past year: -7.95%
At just $558 a month for an average one-bedroom, Lawton is the cheapest city to live in southwestern Oklahoma. Significantly, rents in the Frontier Region city have dropped nearly eight percent from this time last year. With nearly 100,000 residents, it’s the fifth-largest city in the Sooner State.
Lawton’s primary landmark and largest employer is Fort Sill. The massive base on the north end of town is one of just four Army Basic Combat Training facilities in the U.S. While growth can be attributed to the base, the city has diversified into manufacturing, higher education and health care industries.
Unlike many cities, the focal point of Lawton’s downtown isn’t the main street or a town square. It’s the nearly 50-year-old Central Mall, an enclosed shopping mall smack in the middle of downtown. When built, city officials thought the mall would attract shoppers from surrounding suburbs. Today, renewal efforts are focusing on building more appealing and pedestrian-friendly blocks north of the mall.
Some of those revitalization efforts are centered on the area around Elmer Thomas Park. Here lie two of Lawton’s largest museums. The Museum of the Great Plains and Comanche National Museum and Cultural Center sit side-by-side adjacent to the park. The park is the city’s largest, but just one of 80 parks and recreation areas operated by the city.
3. Pauls Valley
Source: Facebook.com/CityofPaulsValley
Average 1-BR rent price: $554
Average rent change in the past year: +1.84%
Deep into the Chickasaw Nation is the small Interstate city of Pauls Valley. Grammar nerds take note, there is no apostrophe in “Pauls,” though named for original settler Smith Paul. The lack of punctuation can be attributed to a singular tradesman. In 1887, a painter hired by the railroad to hang the Santa Fe Railway station sign failed to add the possessive apostrophe and the name stuck.
Pauls Valley’s quaint downtown lies at the northeastern corner of the city. The district radiates out from the easement of the town’s historic railroad line. In its heart is the old Santa Fe Railway Lone Star depot. Closed in the ’70s, the century-old depot now houses the historical society museum. However, right next door is the active Pauls Valley Amtrak station on the Heartland Flyer train line. Despite the city’s diminutive size, it’s one of just five Amtrak passenger stations operating in Oklahoma.
Elsewhere, downtown features pizza places, diners, service centers and community shops along Grant Avenue and Chickasaw Street. It’s also home to the award-winning Toy and Action Figure Museum. In the city’s western portion, numerous hotels and truck stops lie at the exit to Interstate 35.
The largest city and county seat of Garvin County, Pauls Valley has a population of only 6,000. The city is quaint and also cheap. To live here will cost you $554 a month on average for a one-bedroom unit. That figure is just $2 more than the city ranked No. 1.
2. Ada
Source: Facebook.com/CityofAdaOK
Average 1-BR rent price: $553
Average rent change in the past year: N/A
Ada is a small but bright town in south-central Oklahoma. It’s the county seat and largest city in Pontotoc County, but with a population of just 17,000. It’s the second cheapest place to live in Oklahoma. At $553 monthly, the average cost of a one-bedroom is just a buck more than the number one city. Oh, so close.
Ada is best known as the headquarters of the surrounding Chickasaw Nation, which encompasses 7,700 square miles of southern Oklahoma. While Ada itself is nearly three-quarters white, a significant 15 percent of all residents are of Native American descent. Around 2,500 Ada residents speak Chikashshanompa’, the Chickasaw language. As such, much of the public signage, including many traffic and directional markers, is written bilingually.
Most commercial activity in Ada centers on the downtown area along Main Street and Mississippi Avenue. Native American shops and eateries mingle with fast-casual restaurants, outdoor outfitters, beer bars and locally owned boutiques. Off the east edge of downtown is the spacious campus of East Central University.
1. Shawnee
Source: Facebook.com/VisitShawneeOklahoma
Average 1-BR rent price: $552
Average rent change in the past year: +0.41%
On the eastern edge of the Oklahoma City metro is the satellite city of Shawnee. It’s convenient, modern and accessible. And this suburb of 31,000 tops the list of the cheapest place to live in Oklahoma. An average one-bedroom apartment runs just $552 a month.
Only 45 minutes from downtown OKC, Shawnee is a convenient commute into the city. But Shawnee maintains distinct independence. Its bustling Main Street sits alongside its historic railroad right-of-way. This design dates back to the city’s founding, eschewing a town square for a primary business thoroughfare. The district offers a number of coffee shops, comfortable bars and casual dining spots.
But Shawnee’s most famous restaurant was located a couple of miles north on North Harrison Street. That was the spot of the original Sonic Drive-In. Then known as Top Hat Drive-In, the original site was moved in 2017 to the corner of Harrison and Highland streets.
Located downtown is the brand new Pottawatomie County Museum of railroad and transportation history. The new building opened at the start of 2021 as the collection outgrew its old home. That original site was located in the adjacent historic, castle-like Santa Fe Depot. Shawnee is also home to the Heart of Oklahoma Exhibition Center that features both indoor and outdoor performance arenas. And on the north end of town is the Black Hawk Casino. The vibrant gaming center is operated by the Sac and Fox Nation.
The most expensive places to live in Oklahoma
There are plenty of options to finding the cheapest places to live in Oklahoma, and which is right for you. But the Sooner State isn’t all about affordability. There are plenty of pricier places to lay your head at night.
The five most expensive places to live in Oklahoma are primarily large suburban edge cities. In fact, both Oklahoma City and Tulsa’s largest suburbs — Moore and Broken Arrow, respectively — are among the most expensive. Nearly all have also seen large jumps in rent prices for an average one-bedroom from this time last year.
Methodology
Rent prices are based on a rolling weighted average from Apartment Guide and Rent.’s multifamily rental property inventory as of August 2021. Our team uses a weighted average formula that more accurately represents price availability for each unit type and reduces the influence of seasonality on rent prices in specific markets.
We excluded cities with insufficient inventory from this report.
The rent information included in this article is used for illustrative purposes only. The data contained herein do not constitute financial advice or a pricing guarantee for any apartment.
The Asian Real Estate Association of America (AREAA) today released its annual A-List which honors 162 individual real estate agents and 83 teams for outstanding production in 2022, along with 36 mortgage professionals. The A-List honorees, all AREAA members, generated more $15.4 billion in sales volume from 20,472 transaction sides in 2022. A-List honorees will be recognized at AREAA’s National Convention on October 12-14 in Chicago.
The list of real estate agents and teams on the A-List was produced again by leading-industry observer RealTrends in partnership with Bank of America. AREAA honored 167 individual agents and teams a year ago.
Shirley Gary of Ansley Christie’s Real Estate generated 263 transaction sides in 2022 to lead all individual sales professionals on the A-List. She was listed 22nd in the nation on RealTrends’ “The Thousand.”Danielle Moy (204 sides) with @Properties in Orland Park, Ill., Eric Delgado (201) with Keller Williams Encino Sherman Oaks in Encino, Calif., Meghan Clarkson (140) with Long & Foster Real Estate in Chincoteague Island, Va., and Stephanie Vitacco (137.5) with Equity Union in Encino, Calif. followed on the sides list.
Tracy Allen of Coldwell Banker Realty in Honolulu, Hawaii, generated $200.92 million in 2022 volume to lead the A-List. She was 77th in RealTrends’ “The Thousand.”, Gary ($191.42 million) was second followed by Vitacco ($180.47 million), Delgado ($147.64 million), and Zar Zanganeh with The Agency Las Vegas ($112.28 million).
Long Doan’s Realty Group in Minneapolis, Minn., repeated as the top team on the A-List team transaction sides list with 4,412 in 2022. The Advanced Super Team (2,893 sides) led by Calvin Gong in Arcadia, Calif., was second followed by Kenny Truong’s Fast Real Estate (977) with eXp in Oakland, Calif., Kyle Yeatman’s Yeatman Group (919.23) with Long & Foster Real Estate in Midlothian, Va., and Momentum Realty (482), led by Michael Ramos, in San Jose, Calif.
The Advanced Super Team earned top honors in sales volume, generating $2.69 billion in 2022, followed by the Realty Group with $1.5 billion. The next three highest-earners in sales volume were Fast Real Estate ($755.9 million), Andy Tse’s Intero Real Estate Services in Saratoga, Calif. ($712.3 million), and the Yeatman Group ($413.1 million).
For the second straight year, Shashank Shekhar, the founder and CEO of InstaMortgage in San Jose, Calif., was the top loan originator by mortgage units with 400 closed mortgages in 2022. Leading the A-List in mortgage volume was Joanna Yu of US Bank in Los Altos Hills, Calif., with 244.3 million in volume, marking her second straight year leading in her respective category.
“AREAA’s A-List is eagerly anticipated each year,” said AREAA President Kurt Nishimura. “This list not only gives us insight into the growth and success of our members, but it also shows the full impact that AANHPI real estate professionals have on the industry. This professionalism within our AREAA membership is widely known within the real estate industry. This group is a major reason why. Their production is awe-inspiring.”
The A-List was developed using these criteria:
RealTrends identified honorees by cross-tabulating AREAA membership with those on its RealTrends + Tom Ferry America’s Best Real Estate Professionals list.
AREAAallowed for individual submissions allowing individual agents who generated at least 15 transaction sides or $6 million in sales volume in 2022 to be recognized.
Teams needed at least 25 transaction sides and $9 million in sales volume. The team lead must be an AREAA member.
The list of loan officers was generated through self-submissions directly to AREAA.
The top 50 in each real estate category and top 30 in the mortgage categories follow. Click here for the full list of the 2023 A-List:
Individual Real Estate Agents Sides
Rank
Name
Company
City, State
Sides
1
Shirley Gary
Ansley Christie’s Real Estate
Atlanta, GA
263
2
Danielle Moy
@properties
Orland Park , IL
204
3
Eric Delgado
Keller Williams Encino Sherman Oaks
Encino, CA
201
4
Meghan O Clarkson
Long & Foster Real Estate, Inc.
Chincoteague Island, VA
140
5
Stephanie Vitacco
Equity Union
Encino, CA
137.5
6
Soomin Kim
eXp Realty
Liberty Hill, TX
114
7
Anthony Domathoti
EXIT Realty Premium
Bronx, NY
88
8
Oscar Garcia
Berkshire Hathaway HomeServices Carolina Premier Properties
Wilmington, NC
83
9
Sairavi Suribhotla
Real People Realty
Bolingbrook, IL
81
10
Karen Sorenson
RE/MAX Newport Elite
Racine, WI
79
11
Randy Hatada
XPand Realty & Property Management
Las Vegas, NV
78
12
Christine Do
Keller Williams Realty Easton
Easton, MA
76.8
13
Ruth Manzano Javier
Five Star Realty, Inc.
Ewa Beach, HI
72.9
14
Peter Luu
eXp Realty
Orlando, FL
68.5
15
Dane Gates
Berkshire Hathaway HomeServices Premier Properties
The Woodlands, TX
62
T16
Zar Zanganeh
The Agency Las Vegas
Las Vegas, NV
61
T16
Blair Myers
Better Homes and Gardens Real Estate Metro Brokers
The Delawalla Group – Berkshire Hathaway HomeServices Beach Properties of Florida
Watersound, FL
$71,962,318
25
Tadashi Kondo
The Kondo Group – Compass
Rancho Palos Verdes, CA
$63,790,989
26
Peter Au/Alice Schroeder
Avant Team – Berkshire Hathaway HomeServices California Properties
Irvine, CA
$62,433,779
27
Tim Hur/Helen Nguyen
Point Honors and Associates, Realtors®
Atlanta, GA
$62,332,861
28
Clay Byrne
Byrne Real Estate Group – Keller Williams
Austin, TX
$61,542,826
29
Kayla Lee
Kayla Lee Team
New York, NY
$61,008,822
30
Lily Do
Lily Cai Do – Compass
Contra Costa, CA
$60,744,200
31
Kenneth Er
The Er Group – Compass
Oakland, CA
$60,075,330
32
Crystal Florida
Crystal Florida and Associates – Compass
Oakland, CA
$58,906,773
33
Andrew Peters
The Peters Team – Keller Williams
Peachtree Corners, GA
$57,871,883
34
Amy Kong
Trust Real Estate – SIDE
San Bruno, CA
$55,428,400
35
Connie Van
Connie Van Real Estate Group – Keller Williams
Elk Grove, CA
$54,863,093
36
Dave + Amy Chung
The Dave + Amy Chung Team – Compass
Chicago, IL
$54,105,965
37
Phat Nguyen/Julie Phan
Team Affinity
Orlando, FL
$51,309,695
38
Dave & Liz Goodchild
The Goodchild Team – Berkshire Hathaway HomeServices Starck Realty
Palatine, IL
$51,058,667
39
Wailani O’Herlihy
The O’Herlihy Group – Sotheby’s International Realty
Malibu, CA
$46,935,962
40
Charan Bajwa
Team Charan Bajwa – RE/MAX
Monmouth Junction, NJ
$45,093,166
41
Scottee Downing
Downing + Ivicic Group – Compass
Austin, TX
$44,578,171
42
Ivona Kutermankiewicz
IKGroup – Berkshire Hathaway HomeServices Chicago
Chicago, IL
$44,548,542
43
Garrick Yan
Garrick Yan Group – eXp
San Leandro, CA
$42,474,639
44
Smitha Ramchandani
SR Real Estate Group – LeadingRE
Summit, NJ
$41,150,687
45
Michael Saladino
The Saladino Sells Team – Keller Williams
Chicago, IL
$41,106,129
46
Amy Duong Kim
Duong Kim Global – Compass
Chicago, IL
$38,797,886
47
Lisa Nguyen
The International Group at RE/MAX Professionals – RE/MAX
Lakewood, CO
$38,592,985
48
Janet Moore
Tampa Lux Group – Premier Sotheby’s International Realty
Tampa, FL
$35,988,627
49
Yassi Jazayeri
Yassi & Associates – Keller Williams
Bellevue, WA
$35,341,644
50
Jamie Younger
Long & Foster Real Estate, Inc.
Richmond, VA
$34,789,290
Top Loan Originators by Mortgage Units
Rank
Full Name
Company
City, State
# Closed Mortgages
1
Shashank Shekhar
InstaMortgage Inc
San Jose, CA
400
2
Karen Chiu
New American Funding
San Marino, CA
297
3
James Chen
Citizens Bank
Roslyn, NY
261
4
Nathan Sibbet
loanDepot
Sacramento, CA
256
5
Viral Vora
PNC Bank
Cupertino, CA
211
6
Tyler (Tu Ba) Nguyen
Bluegrey Mortgage
Tampa, FL
206
7
Judy Sakata
Sakata Mortgage dba of 247 Mortgage Loan LLC
Houston, TX
198
8
Joanna Yu
US bank
Los Altos Hills, CA
190
9
Choe Hung
US bank
Pasadena, CA
188
10
Kevin Oto
Green Haven Capital Inc.
Sacramento, CA
177
11
Ha Le Dao
DHI Mortgage
Sacramento, CA
146
12
An Le
Lifestyle Home Lending
Southlake, TX
141
13
Sunny (Meixu) Duan
Citi
Rockville, MD
118
14
Jasmine Cheng
US bank
Union City, CA
110
15
Michelle Kim
HSBC
Los Angeles, CA
102
16
Caroline Ke Liu
US bank
San Francisco, CA
101
17
Patrick Ly
Union Home Mortgage
Leesburg, VA
82
18
Daniel Dai
Lemonbrew Lending
Edison, NJ
81
19
Nick Chee Seng Leong
HSBC
Whitestone, NY
79
20
Anne Wiker
US bank
San Diego, CA
78
21
Jennifer Yang
Wells Fargo Home Mortgage
Torrance, CA
76
22
Meinoh Kim
BluPrint Home Loans
Fairfield, CA
75
23
Hai David Le
US bank
Fairfax, VA
72
24
Greg Louie
GFL Capital Mortgage, Inc
Henderson, NV
71
25
Sunny Kumar
US bank
San Diego, CA
70
26
Ray Zeng
HSBC
New York, NY
69
T27
Gennaro Bizzarro
HSBC
Yonkers, NY
68
T27
Aileen Hom
Wells Fargo Private Bank
San Mateo, CA
68
29
Kamal Sohal
Chase bank
Sacramento, CA
67
30
Bopha Phang
loanDepot
Stockton, CA
65
Top Loan Originators by Mortgage Volume
Rank
Full Name
Company
City, State
Volume Closed Mortgages
1
Joanna Yu
US bank
Los Altos Hills, CA
$244,307,535
2
Viral Vora
PNC Bank
Cupertino, CA
$221,839,038
3
Shashank Shekhar
InstaMortgage Inc
San Jose, CA
$187,048,281
4
James Chen
Citizens Bank
Roslyn, NY
$178,391,673
5
Gennaro Bizzarro
HSBC
Yonkers, NY
$175,517,864
6
Karen Chiu
New American Funding
San Marino, CA
$165,711,007
7
Choe Hung
US bank
Pasadena, CA
$163,943,064
8
Nathan Sibbet
loanDepot
Sacramento, CA
$124,232,591
9
Caroline Ke Liu
US bank
San Francisco, CA
$118,631,590
10
Michelle Kim
HSBC
Los Angeles, CA
$115,654,558
11
Sunny (Meixu) Duan
Citi
Rockville, MD
$106,094,000
12
Jasmine Cheng
US bank
Union City, CA
$101,242,343
13
Aileen Hom
Wells Fargo Private Bank
San Mateo, CA
$96,474,112
14
Kevin Oto
Green Haven Capital Inc.
Sacramento, CA
$82,155,712
15
Tyler (Tu Ba) Nguyen
Bluegrey Mortgage
Tampa, FL
$75,702,929
16
Jennifer Yang
Wells Fargo Home Mortgage
Torrance, CA
$71,624,460
17
Hai David Le
US bank
Fairfax, VA
$70,711,136
18
Ha Le Dao
DHI Mortgage
Sacramento, CA
$70,124,004
19
Sunny Kumar
US bank
San Diego, CA
$66,618,844
20
Ryan Dang
Wells Fargo Home Mortgage
San Mateo, CA
$65,306,558
21
Roger Pei
HSBC
San Francisco, CA
$58,714,459
22
Vanessa Liu
HSBC
San Francisco, CA
$57,556,052
23
An Le
Lifestyle Home Lending
Southlake, TX
$54,609,986
24
Judy Sakata
Sakata Mortgage dba of 247 Mortgage Loan LLC
Houston, TX
$49,708,616
25
Dan Anacker
US bank
Bonney Lake, WA
$49,432,542
26
Leena Sankary
US bank
Monrovia, CA
$49,367,062
27
Ray Zeng
HSBC
New York, NY
$45,997,014
28
Meinoh Kim
BluPrint Home Loans
Fairfield, CA
$43,294,216
29
Bobby Saadieh
loanDepot
Morgan Hill, CA
$43,236,251
30
Nick Chee Seng Leong
HSBC
Whitestone, NY
$40,491,013
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Inside: Are you looking for ways to make money quickly and easily? This guide has you covered with tips on how to double your money in 24 hours.
Doubling your money is an aspiration many investors feasibly target, and it’s critical to your future financial stability.
This enticing objective involves transforming a small amount of money and doubling it for tomorrow. You need cash fast, so that is why you are reading this post.
You will quickly learn there are easy ways to double money in 24 hours and others that over time you can be skilled at and easily double your cash.
Given that 58% of borrowers struggle to meet basic monthly expenses and 70% of borrowers are using loan money for rent and other basic expenses. 1
You want to learn how to double your money before you actually need to, so by inevitably secure financial confidence for upcoming expenses.
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How can I double my money quickly?
Doubling your money in less than 24 hours isn’t straightforward, but it is possible if you’re willing to take high risks.
These are popular methods to double your money:
Engagement in day trading. It’s risky but one of the fastest ways to double your investment.
Try your hand at gambling. Remember, the house typically has the upper hand. This is not recommended as you are more likely to lose more money than you prefer.
Consider investing in digital real estate. This is similar to real-life property flipping.
Most importantly, avoid get-rich-quick schemes; they’re mostly scams. So, do your homework before diving in!
20 Easy Ways to Double Money in 24 Hours
As inflation rises and people are struggling with their budgets, the question of how to double money in just 24 hours often comes up.
While it may sound like a lofty goal, there exist strategies that can significantly boost your financial growth in a surprisingly short time.
However, keep in mind these are not risk-free endeavors, and they each require a good understanding and judicious implementation to yield profitable results.
1. Invest in Stocks
If you’re hunting for opportunities to double your money fast – investing in stocks could be your ticket, especially with the current volatility.
Although there’s a risk factor involved, it’s a time-tested strategy for impressive returns. Learn how fast you can make money in stocks.
Honestly, one of the best ways to improve your net worth is learning how to invest in the stock market. Yet, many people shy away from the idea.
By not investing in stocks, you are slowing your pace to financial freedom. So, why not learn how to invest in stocks for beginners?
The choice entirely depends on your risk appetite, investment horizon, and personal preferences. Start by evaluating your risk tolerance. Personally, I can tell you this is one of the ways I double money in 24 hours consistently.
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2. Options Trading
Options trading can double your cash in a mere 24 hours, thanks to its inherent rapid return benefits. However, with the potential for high returns, it also poses significant risks.
Options trading is an advanced strategy for buying stocks with an option contract. Thus, you get the right but not a duty to buy (call options) or sell (put options) a stock at a specific price.
It presents the possibility of doubling, tripling, or quadrupling your money.
This is an avenue to pursue if you want the potential for huge profits, but you must take this investing course to learn the proper way to trade options.
However, you run the high risk of losing the entire investment! So, this is risky for novice investors and you need a brokerage for this type of trading.
Trade & Travel
Learn to trade stocks with confidence.
Whether you want to:
Retire in peace without financial anxiety
Pay your bills without taking on a side hustle
Quit your 9-5 and do what you love
Or just make more than your current income….
Making $1,000 every.single.day is NOT a pie-in-the-sky goal.
It’s been done over and over again, and the 30,000 students that Teri has helped to be financially independent and fulfill their financial dreams are my witnesses…
3. Flip Items for Arbitrage
Retail arbitrage, essentially the practice of buying and reselling goods, is a beneficial way of doubling one’s money in a short time. This can be particularly effective by taking advantage of clearance sales in mainstream stores like Walmart and Kohl’s, and then reselling the products on online marketplaces.
Notable items often flipped include apparel, books, electronics, and toys. You can check a full list of popular items to flip.
According to the Flea Market Flippers, you can use a variety of platforms to sell your flipped items.
4. Rent Out Your Property
Renting out unused property or space can be a lucrative form of passive income. This may include a spare room, or underutilized sections like a garage, with various platforms facilitating such financial transactions like Neighbor or VRBO.
Another example is it is financially beneficial to rent out items, like a lawn mower which costs $500 but brings in $15-20 for each rental. Thus, paying for itself in a short amount of time.
Despite the potential risks associated with property investments, including unpredictability in the real estate market and tenant issues, leveraging a good understanding of the local market can make it quite possible to double your investment over time.
5. Become A Side Hustles Expert
Becoming a side hustle expert requires a clear understanding of your goals and the willingness to trade your time for money. You can identify profitable opportunities which can range from ridesharing to teaching English as a second language (ESL) online.
Honestly, this is best to set up BEFORE you are desperate for cash.
Patience is key as nurturing a side hustle often takes time before it becomes an efficient income-generating endeavor.
To help you out, here are specific side hustles based on your stage of life:
6. Rent Out Your Skills
Renting out your skills is a smart quick-fix to double your money within 24 hours. It’s all about capitalizing on what you can do best and offering it to those who need it.
Start by identifying a skill or knowledge you’re proficient in. Are you a wizard in web design? A maven of SEO?
Select the right platform. Websites like Fiverr, Freelancer.com, and TaskRabbit are excellent for freelancers.
Promote your services. Reach out to your networks or use social media to boost your visibility.
This is a great way to earn $300 fast if you know what you are doing.
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7. Deliver with DoorDah or GrubHub
Double your income in a day by delivering with platforms like DoorDash or GrubHub. As a courier, you get paid for each delivery – so the more you do, the higher your earnings.
With a smartphone and transportation, you can start making extra cash immediately. Some top delivery options:
Working with DoorDash
Serving with GrubHub
Remember, it’s all about completing as many deliveries as possible. Every order increases your day’s earnings, potentially doubling them if you put in enough hours.
8. Invest in Cryptocurrencies
Invest in cryptocurrencies like Bitcoin, Ethereum, and Bitcoin Cash holds the potential to double your money in 24 hours due to their volatile nature.
To start:
Keep tabs on crypto trends through monitoring websites or apps.
Buy popular or promising cryptocurrency during their low-cost phase.
The trick to doubling your funds is selling at peak prices.
Remember, trends can change rapidly, so only invest what you can afford to lose. For newbies, it’s beneficial to seek advice from a financial advisor knowledgeable in the crypto market.
9. Take Surveys
Looking to double your money in a day? Consider taking paid surveys. However, you will have to take quite a few surveys to make a significant amount of cash.
To boost your earnings:
Seek high paying surveys – Survey Junkie could bring in up to $3 per survey.
Use free time efficiently – complete quick tasks on Swagbucks.
Refer friends – earn 10% of their earnings on Swagbucks.
Remember, more effort equals higher rewards!
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10. Lend Money on Peer-to-peer platforms
Lending money on Peer-to-Peer (P2P) platforms can be a profitable strategy, offering a unique method for individuals to loan and borrow money without traditional financial institution interference.
Users can sign up as lenders on recognized P2P platforms like LendingClub, Prosper, and Upstart, and yield high-interest returns based on their borrower’s creditworthiness.
However, this process also poses risks such as potential defaults, making it important for the lenders to do their research and diversify their loans across multiple recipients.
11. Do Odd Jobs
Engaging in odd jobs is a practical approach to earning additional income. Whether it’s mowing neighbors’ lawns or offering handyman services, these simple tasks can often pay upward to $30 per hour.
Digital platforms, like TaskRabbit, even allow you to list your talents locally, extending your reach for potential earnings.
All in all, odd jobs provide an accessible door to financial gain without requiring a significant starting capital.
12. Selling High Demand Printables
Selling printables online is a viable way to generate income. It’s important to create a follower base or an email list to successfully promote and sell your products.
With strategic pricing and high-quality content, you could potentially double your initial investment in a short span of time.
Here are the digital products that sell on Etsy that are in high demand.
By creating high-demand printables, you can buy low, sell high, and double your money all within 24 hours!
13. Max Out you 401(k) Match
Maxing out your 401(k) match can double your money in no time. While this may not happen in 24 hours, it can happen the next time you get paid and greatly increase your retirement savings.
When you contribute to your 401(k) plan, your employer might match it by 50% or 100%. You will have to check your Human Resources department to see what your company offers.
Contribute the maximum amount your employer is willing to match. This is free money for you. For instance, if you’re making $100,000 and your employer’s match is up to 3.5% of your salary, put in at least $3,500.
Are you one of the 5 people making this costly mistake? 2
14. Sell Courses and Subscriptions
Selling courses and memberships online is a highly profitable low-risk venture that requires just a small initial investment of your time and money. Once the course is developed, it can continue to generate passive income every month.
Tools such as Podia or Teachable allow you to easily sell and manage your courses, while also offering additional benefits such as digital downloads, subscription plans, and an opportunity to begin selling directly to your followers.
15. Work for Employers
In case you haven’t heard, time is money. And you can trade your time for money at any point.
Working for employers often ensures a steady income which can be supplemented by various benefits.
One of the greatest advantages is the employer match on a 401(k) account, which allows employees to double their contributions effortlessly. This means that if an employee contributes 5 percent of their salary to the retirement account, the employer adds another 5 percent.
Expert Tip: Continually upgrade your skill set to increase your value to employers. More demanding or specialized tasks often command higher pay, propelling you towards your double-money goal quicker.
16. Sell Your Goods
Selling goods online provides a dynamic platform for entrepreneurs, allowing them to reach a wider audience. This involves identifying high-demand products, purchasing from a reliable supplier, and selling them on popular e-commerce platforms like Amazon, eBay, and Etsy.
Get involved in flea market flipping. Hunt for undervalued items at yard sales or flea markets and resell online. Facebook Marketplace could be a goldmine.
Unload used or vintage items. These platforms can help you earn huge profits, especially from expensive items. Don’t let seller fees deter you; big profits are still achievable.
Books are an easy sell. Buy used ones from local or online stores and sell them in different areas or on different platforms. Diversifying the categories you offer can potentially boost your profits.
Pricing is set considering the purchase cost, overheads, and the competitive market.
17. Invest in Collectibles
Investing in collectibles presents a thrilling opportunity to generate significant profit in a short span. The key is identifying profitable niches, such as vintage comic books, rare coins, or baseball cards.
The rarity and condition of an item directly influence the price it can command.
The strategy involves buying low, often from garage sales or online platforms like eBay or Etsy, and selling high. However, one must perform diligent research and be aware of market trends, as failure to do so can lead to risks.
18. Get Rid of Your Most Valuable Items
Selling your own possessions is an effective way to declutter your home while also generating a potential cash flow.
This is one way to accumulate over $1,000 in cash earnings.
This may not be what you want to do, but your possessions are worth money and it may be necessary.
19. Save Money and Increase It
You’ve heard it said: a penny saved is a penny earned. This principle isn’t just about saving but also growing your money as an effective way to double your income.
Here’s how:
First, begin with saving. The more you can put away, the better. Remember, your coffee can strategy may not earn interest, so consider a deposit into a savings account.
Next, let’s talk about compound interest. Suppose you invest $1000 at a 5% interest rate. After a year, your money grows to $1050. The next year, you earn interest on this increased amount. Over time, the effect snowballs, significantly augmenting your investment.
Lastly, protection against inflation is key. Always aim for an interest rate higher than the rate of inflation. This means, in real terms, your money is consistently growing.
Done right, these steps can effectively increase your savings rapidly.
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20. Game or Bet on A Sport
While it’s often overlooked, betting on sports or games could be a fast track to doubling your money in less than a day. This risky Vegas plan may be worth the potentially rewarding pursuit.
Beware – while some have been successful, this method is heavily debated due to the significant risk factors. As such you may be better off becoming a referee for youth sports, which is a popular side hustle for men.
Remember, it’s all fun and games until the cash is lost – don’t stake what you can’t afford to lose.
FAQ
Doubling $1,000 quickly calls for some calculated risks and smart choices.
One way is investing in stocks, potentially high-return yet high-risk assets. Another route could be starting a side hustle, like an online course or freelance work, where initial investment is low but returns could be impressive.
This is a hard ask given many people this month. However, doubling $3000 fast can be achieved through smart investments and income diversification.
Using online platforms and flipping high-demand items may yield quick profits. Additionally, utilizing skills for a freelance portfolio or selling an online course can quickly boost initial capital.
Doubling your $5000 swiftly may seem like a daunting task, but with strategic planning, connection establishment, and careful investments, it’s more achievable than you might think.
Here’s how you can try it:
Start by investing in stocks. Rapid-growth stocks or volatile currency pairs can double your money. Invest wisely based on market analyses.
Try real estate flipping. Buy undervalued properties, renovate, then sell.
Entrepreneurship is another avenue. Turn your skills or ideas into a profitable business.
Peer-to-peer lending platforms yield high return rates with the right borrower.
Playing the lottery or gambling could work, but highly risky.
Remember, to double up money quickly, ensure you are knowledgeable in your chosen method and anticipate potential downsides. Do comprehensive research first.
Is Doubling Money in 24 Hours Possible?
Yes, you, dear reader, can indeed double your money in 24 hours! It won’t be a cakewalk though, requiring specific skills, solid strategies, and of course a pinch – maybe a handful – of luck.
You could tap into high-growth potential fields like day trading, selling high-demand goods online, or capitalizing on your skills as a content creator. Remember, this quick win has its fair share of risks too.
Now, make sure to do proper due diligence and check the integrity of whatever way you choose to make more or dive into the gig economy.
Now, learn how to double 10k quickly.
Source
Federal Reserve Bank of St. Louis. “Fast Cash and Payday Loans.” https://research.stlouisfed.org/publications/page1-econ/2019/04/10/fast-cash-and-payday-loans#:~:text=However%2C%207%20of%2010%20borrowers,difficulty%20meeting%20basic%20monthly%20expenses. Accessed November 7, 2023.
Motley Fool. “1 in 5 Americans Are Making a Terrible 401(k) Mistake.” https://www.fool.com/investing/2018/02/09/1-in-5-americans-are-making-a-terrible-401k-mistak.aspx. Accessed November 7, 2023.
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