Barclays & Breeze Airways have entered into a long term agreement to issue a co-branded credit card together. The card will launch in early 2024 and run on the Visa payment network. The card will also launch alongside Breeze Airways first loyalty program.
Source: doctorofcredit.com
Ever wonder what share of borrowers are taking out a 15-year mortgage as opposed to a standard 30-year fixed? Or an ARM instead? Well, I was, and so I went looking for the data.
Fortunately, I was able to track down some of the details thanks to the Urban Institute, which provided me with some great statistics since the year 2000.
As you might expect, the 30-year fixed is the king of mortgage originations, though its dominance has been tested over the years. And it does depend if we’re talking about all originations, or just purchases.
Mortgage product type choice definitely varies if we’re talking about a refinance as opposed to a home purchase since borrower needs change over time.
Put simply, it’s more common for a borrower to choose the 15-year fixed when refinancing a mortgage, and a lot less likely to use one to buy a home.
Why is this? Well, generally borrowers will go with a 30-year term because it increases affordability, meaning they can buy more house at the outset.
Later, once they’ve built some equity (hopefully), they can refinance into a shorter-term fixed loan, such as the 15-year fixed, to save on interest and also ensure their loan term isn’t extended from the original maturity date.
I spoke to the dominance of the 30-year fixed, and perhaps that was an understatement. The 30-year fixed claimed nearly 90% (89.5%) of the purchase market in June 2017, per data from Corelogic, eMBS, HMDA, SIFMA and Urban Institute.
It was actually higher at many times over the past 12 months, hitting 92.6% in July 2016.
Back in January 2000, the oldest month where there is data, the 30-year fixed accounted for just 70.3% of purchase mortgages.
Its lowest share since then was in December 2004 and March 2005, when it was selected on just 48.3% of new purchases.
In those same months, the adjustable-rate mortgage share was a staggering 41%. The ARM share continued to be quite high leading up to the housing crisis that ensued a few years later.
But in June 2017, the ARM share was a measly 3% of new purchase loans, which tells you today’s home buyer has very little interest in anything other than the safety of the 30-year fixed.
And only 6.1% are interested in the 15-year fixed, or perhaps only a small handful can actually afford the higher monthly payments thanks to DTI restrictions.
When it comes to refinances, the 30-year fixed is still the product of choice for most borrowers, but less so.
Per the latest data, the 30-year fixed held a 76.7% share of ALL mortgages in June. Meanwhile, the 15-year fixed grabbed a larger 14.3% share, while ARMs still held a paltry 3.3% share.
If we go all the way back to January 2005, we see the low point for the 30-year fixed across all mortgage originations. At that time, only 44% of borrowers chose it.
During the same month, the ARM-share was 38.7%, while the 15-year fixed grabbed a 9.9% share.
Back in January 2000, the 30-year fixed share was at 59.5%, while the 15-year fixed held 10.9%, and ARMs 21.5%.
So the 30-year fixed is still very popular, though not quite as much as it was back in December 2008, when its market share across all mortgages peaked at 88.4%.
The 15-year fixed peaked at 26.8% in April 2003 across all origination types. And ARMs peaked at 42.1%.
30-year fixed low: 44% (January 2005)
30-year fixed high: 88.4% (December 2008)
15-year fixed low: 4.2% (July, September 2007)
15-year fixed high: 26.8% (April 2003)
ARM low: 0.7% (April 2009)
ARM high: 42.1% (April 2005)
30-year fixed low: 48.3% (December 2004, March 2005)
30-year fixed high: 93.7% (March 2009)
15-year fixed low: 2.4% (Feb-May 2007)
15-year fixed high: 15.5% (Jan-Feb 2002)
ARM low: 0.5% (April 2009)
ARM high: 42% (April 2005)
Source: thetruthaboutmortgage.com
We’ve been worrying that mortgage rates would go up for years now, but it just hasn’t happened yet. Sure, they’re up a little bit from record levels, but not by as much as expected.
The 30-year fixed still sits firmly around 4%, while the 15-year fixed is in the low 3% range. Both have been slightly lower at different points in the past five years.
This prolonged period of low rates has kept the mortgage business humming along while also propelling the housing market to record heights.
But what happens when mortgage rates start to really take off higher? Well, six main things, this according to a working paper by Laurie Goodman over at the Urban Institute.
What goes up will cause something else to go down, and we’re talking about mortgage origination volume.
As rates rise, fewer mortgages will be made because there will be less of an incentive to refinance.
Fannie Mae, Freddie Mac, and the Mortgage Bankers Association all expect mortgage lending volume to decrease significantly from last year to this year. And they anticipate an even slower 2018.
Of course, we’ve been hearing this for years, only to see these groups revise their estimates higher. But they’ll probably be right eventually…
Because fewer loans will be made in a high-rate environment, banks and lenders will need to “right-size” their staff to ensure they remain profitable.
We’ve seen this happen already with the loss mitigation departments at banks as foreclosures and short sales become a thing of the past.
Along with that will come mergers and perhaps a return to a more consolidated group of mega mortgage lenders.
Per Goodman, the market share of the top five mortgage lenders fell from 64% in 2010 to just 29% last year, while the top 25 saw its share decrease from 89% to 56% over the same period.
However, we continue to see new entrants into the mortgage space, such as Redfin Mortgage and fintech companies like Better Mortgage. I don’t see them going anywhere, but there’s always the possibility of getting acquired.
If the old brick-and-mortar banks sense a threat, and/or the ability to innovate, perhaps they’ll just buy one of those startups.
Related to the drop in mortgage volume will be a slowdown in mortgage prepayment speeds. That’s how long a mortgage is actually held before it’s paid off or refinanced.
As mortgage rates increase, prepayment speeds tend to slow because there are fewer people who stand to benefit from a rate and term refinance.
And if rates are higher, existing homeowners will have less motivation to move out, knowing it’s more expensive. They’ll also want to hold onto their more prized low rate if it’s much lower than the going rate of the future.
CoreLogic found that when interest rates were 1.5% lower than at the point of origination, a quarter of homeowners sold within five years.
A lower rate is a good opportunity to unload your old home and get a new one with even better financing terms.
Here’s one that continues to confuse folks. If mortgage rates rise, home prices will probably increase too. This seems to counter common sense, but it’s not as simple as it looks.
The easiest way to explain this phenomenon is that a growing economy leads to inflation, which leads to higher interest rates.
But because things are going well, we can also expect higher home prices thanks to rising wages and improved consumer confidence.
That good economy means a larger pool of buyers can spend more money on homes, which despite some decreased affordability rate-wise can propel prices higher.
Banks and lenders may also be willing to loosen underwriting guidelines to facilitate more aggressive financing, which can also give home prices a bump.
Lastly, inflation can increase real assets like home prices.
Some say those low mortgage rates are a blessing and a curse. Sure, they make homeownership cheap, but they also make it really hard to leave your current digs.
As rates rise, the repeat buyer share is expected to fall thanks to the “lock-in effect.” That’s the staying in place to keep your low rate dilemma.
Compounding this issue is the fact that many existing homeowners haven’t built much home equity over the past decade. In fact, some remain underwater despite the massive price gains seen in recent years.
Without a sizable amount of equity, it’s pretty difficult to move out and up, especially if rates are also higher.
Fortunately, there’s a solution to some of the problems discussed above. And it comes in one neat little package called a second mortgage.
For those who don’t want to lose their precious low-rate first mortgage, they can tap into their equity using a second mortgage like a HELOC.
And for those struggling with affordability due to both higher home prices and higher rates, they can extend financing and buy more house via a second lien.
Heck, maybe we’ll see the popular 80/20 loan return, allowing new buyers to get a home with nothing down. We’re not far off now, with 97% LTV lending available nationwide.
In the meantime, enjoy the low rates and don’t let them pass you by…
Source: thetruthaboutmortgage.com
The thing about mortgages is they continue to be difficult to obtain relative to just about everything else out there.
Today, it’s easy to buy anything with the literal click of a button, whether it’s a new pair of shoes, groceries, a plane ticket, or a new car. You can pretty much do it instantaneously without leaving your couch.
When it comes to home loans, it’s still a process that tends to take weeks or more than a month, despite being a fairly straightforward transaction.
Even home buying and selling is becoming simple, with iBuyers like Zillow beginning to dominate the landscape and cut out real estate agents in the process.
It’s just the pesky mortgage that slows it all down.
One of the main roadblocks to instant mortgage approvals is the many entities involved, on several different levels.
We’re talking borrowers, lenders, appraisers, employers, loan officers, loan processors, underwriters, funders, title and escrow companies, insurance companies, notaries, and so on.
A borrower seeking a mortgage has to provide a ton of paperwork, from a credit report to paystubs and tax returns to bank statements, disclosures, and more.
Unfortunately, these documents come from a variety of sources, and once collected, often need to be analyzed to determine eligibility.
From there, it can get even more complicated as loan underwriters seek to connect the dots and make sense of any anomalies.
This can call for even more documentation requests, updated documents, letters of explanation, and so on.
There is also lender capacity to worry about, since a human being is often required to review the documents.
This means waiting for someone to look at your loan file, which can be agonizing when trying to close on a home purchase.
Fintech companies have been working to solve this “problem” for years, and it does look like the solutions are getting closer to reality.
A pioneer in the field has been Quicken’s Rocket Mortgage, which shook things up when it released a commercial during the Super Bowl promising a full mortgage approval in just eight minutes.
Most critics paid attention to the speed part, confusing it with a return to subprime.
But that wasn’t really the case; it was more about streamlining a very old process, as opposed to skipping steps along the way and providing access to easy credit again.
Quicken made this bold claim based on technology it had created via QL Labs and other partners that allowed borrowers to import and verify asset, property and income information online, as opposed to sending in paper documents, which would then need to be analyzed.
This led the company to release the slogan, “Push Button, Get Mortgage.”
But ultimately, it’s still not that simple. Of course, Quicken didn’t want to use the line “Push Multiple Buttons to Get Mortgage.”
They later took part in a Single Source Validation pilot program with Fannie Mae that allowed them to digitally verify income, assets, and employment in a single step.
Another company, Blend, has also been hard at work looking to revolutionize the mortgage industry, along with all facets of consumer lending.
Blend refers to their one-tap technology as their “answer to the modern checkout experience for consumer banking products.”
Once again, the same basic technology is being employed. Instead of downloading PDFs and sending them to your loan processor, who will then tell you that you’re missing pages, you can simply input your bank account credentials.
If you’ve ever used TurboTax, the process is similar. When filling out the mortgage application, you can select a financial institution from a list, provide the login details, and it does the rest for you.
From there, Blend’s “one-tap technology” connects consumers’ accounts to instantly and automatically verify information, eliminating the need for the lender to review the numbers manually.
The result is a verified mortgage pre-approval, not just an estimate of buying power, in a matter of minutes.
Again, the borrower is probably going to have to make a series of taps to generate the pre-approval letter (from their phone), but the speed and convenience should be night and day versus the current process.
For example, a prospective home buyer attending an open house might be able to generate a pre-approval letter on the fly, while in the house they just can’t pass up.
This can provide a competitive advantage, and save everyone time, by verifying they actually qualify for the home in question.
For the record, Blend’s technology is white-labeled, meaning it will be rebranded and used by individual mortgage lenders.
So if you want to take advantage of their technology, you’ll need to find a lender partner.
Speaking of, U.S. Bank will be one of the first banks to offer Blend’s “One-tap Pre-approval” to consumers, with more lenders launching as soon as December 2019.
Blend also counts Wells Fargo as a customer, meaning we might be hearing of their instant mortgage offering soon as well, which could level the playing field for ultra-fast mortgages.
The hope is that once the pre-approval piece becomes instant, the rest of the process can be sped up as well.
In most cases, it’s still going to take you several weeks to get a mortgage, but if the other steps, such as appraisal and escrow/title can be shortened as well, a mortgage in a matter of days might become a reality.
We’re already seeing progress on these fronts as well, with appraisal waivers and eSignings, so the future might be closer than it appears.
Source: thetruthaboutmortgage.com
Are you considering buying a fixer-upper? While it can be a great way to save money and get a home that suits your unique tastes and needs, it’s important to know what you’re getting into before you sign on the dotted line. Here are some things to keep in mind:
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Buying a fixer-upper can be an affordable alternative, however, it’s important to understand the potential true cost of the project before you start. To ensure that you’re aware of the necessary repairs and their associated costs, get a thorough inspection of the property. Make sure to check the quality of the foundation, roof, electrical and plumbing systems. Additionally, it’s crucial to consider the expenses for permits, materials, and labour in your final budget.
While DIY projects are fun and rewarding, fixer-uppers often require extensive work and time. If you’re not handy with a hammer or don’t have experience with major renovations, you may want to think twice before taking on the challenge of a fixer-upper. Hiring professionals to do the work can be expensive, but it may be necessary if you want the job done right.
Transforming a fixer-upper into your dream home can be time-consuming. If you’re on a tight schedule or have other commitments demanding your attention, a fixer-upper may not be your best choice. Make sure you have a realistic idea of how long the project will take and whether or not you have the time and energy to see it through.
If you plan to invest in a fixer-upper, ensure that it doesn’t become a financial burden by costing more than its actual value. It is possible to strike a good deal on the property, however, make sure that any renovations made will increase the property’s value in the long run. Research the market and talk to real estate professionals to get a sense of what buyers are looking for in your area and what features can help make the property stand out.
Finally, it’s important to have a plan before you start a fixer-upper project. Without a clear plan and budget, your fixer-upper is at risk of becoming a money pit. Know what you want to achieve and how you’re going to get there. Create a budget, timeline, and list of priorities to keep you on track. With a solid plan in place, you’ll be better equipped to handle any unexpected hurdles or delays.
If you’re ready to find your next home, we can help! From fixer-uppers to chic condos, our qualified real estate agents can help you find your dream home.
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Contact us today to speak to a Realtor in your area
Source: zoocasa.com
An estimated 14 million Americans have at least $10,000 in credit card debt.
Five-figure credit card debt, and the interest that accrues along with it, can feel overwhelming. It’s the kind of debt that keeps people up at night, and prevents them from pursuing their other financial goals.
But, that debt doesn’t have to stick around forever. With a strategy, chipping away at a $10,000 in credit card debt is achievable. Here are some options for how to pay off $10,000 in credit card debt.
Paying down $10,000 in credit card debt takes discipline and time. These tips and tools could help speed up the journey toward debt freedom.
If your budget doesn’t have much wiggle room to make extra payments toward credit card debt, you might consider finding ways to generate more income. Starting a side hustle could be a powerful way to pay down a $10,000 credit card debt faster. Whether it’s grabbing a job in the gig economy or taking a catering job on the weekends, you can put those paychecks toward your credit card debt.
If time is limited for a side hustle, think of how you could make more money in your current role. Is it time to ask for a raise, for instance?
Similarly, switching jobs may land you a higher salary. Nearly half of all Americans who switched roles last year saw an increase in salary. Just make sure that extra income goes toward debt payoff, and not lifestyle creep.
When you’re paying down $10,000 in credit card debt, it’s important to avoid accruing a higher balance. Adding more debt can not only feel discouraging, it can extend your payoff timeline.
As you tackle paying down debt, consider avoiding any further spending on credit cards. That can take the form of paying for things in cash, or using a debit card where you can only spend what you actually have. Making a switch to cash means you’re less likely to add to your burden of debt.
While tips and tricks may help you pay down $10,000 in credit card debt, you may have to consider a larger overall strategy to move you towards payoff. Having a debt management plan in place can take some of the pressure away and could put you on a track toward paying off debt faster.
Two popular methods to accelerate debt repayment include the snowball and avalanche method.
The snowball method prioritizes paying off small debts first and working your way up. Here’s how:
1. Make the minimum monthly payments on all debts.
2. Take inventory of all your debts and order them from lowest outstanding balance to highest.
3. Put any extra cash toward the smallest balance debt.
4. Repeat this until the lowest debt is paid off.
5. Next, move onto the next lowest debt, adding the surplus cash from step 2 to this card’s monthly payments.
6. Continue to repeat this process, scaling up to the high-balance debts once you pay off the lower ones.
While this method can seem counterintuitive because of the interest that high balances can generate, starting off with small wins has psychological benefits for some. Having those wins early on may motivate you to move forward.
If you tend to be more disciplined and don’t mind playing the long game, you might prefer the debt avalanche method to pay off $10,000 in debt. Here’s how to deploy the avalanche method:
1. Make minimum payments on all debts.
2. Compile all your debt, and order it by interest rate from highest to lowest.
3. Put any extra cash toward the debt with the highest interest rate.
4. Repeat until the highest-interest debt it paid off.
5. Move onto the debt with the next-highest interest rate. Put any extra cash toward this balance until it’s paid off.
6. Continue this process, prioritizing the highest interest debt first, until all balances are settled.
Typically, the debt avalanche saves more money in interest payments in the long run. However, it can take time to see a win with this method, as opposed to debt snowball.
Credit card debt forgiveness is not as simple as waving a magic wand at your balances and watching them disappear. Forgiveness does not mean the debt’s completely erased, and it comes with its own drawbacks.
Credit card debt forgiveness only becomes an option when a cardholder stops paying their debt and the credit card company sells the outstanding balance to a debt collector. From there, you can negotiate with the debt collector as to how much debt to repay.
Debt collectors buy debts for pennies on the dollar, and thus are willing to recuperate just a portion of the initial amount owed. For example, if you owe $10,000 in credit card debt and it goes to collections, you may be able to negotiate to settle the debt for just $5,000. That payment may be a lump sum or small payments over time.
While credit card debt forgiveness means paying less than the total owed, it has a fair share of drawbacks. Neglecting credit card debt can wreak havoc on a person’s credit score, and you’ll still need to pay some portion of the debt.
Credit card debt forgiveness isn’t the only route toward paying off $10,000 in credit card debt. Depending on your situation, one of the following solutions may work.
Some credit card companies allow cardholders to make credit card balance transfers. That means you transfer the outstanding balance from one credit card to another, often with an introductory low interest rate or no interest.
Balance transfers do come with fees, but depending on how much you owe and how much you could save on interest, it could be worth it in the long run. However, keep in mind the interest rate the balance transfer offers may be for a limited time. You’ll want to pay off the remaining balance before the rate rises, or you could owe more than you did before the transfer.
There are a number of common uses for personal loans, including paying off credit card debt. Often, a personal loan will have a lower interest rate than credit cards, which could help you pay down your debt faster and save on interest. If you’re struggling to figure out how to pay off $10,000 in credit card debt, consolidating multiple balances into a single loan also may streamline the process.
Your credit score can impact if you get approved for a personal loan, as well as what interest rate you receive. If you have a less than stellar credit score, you may not get approved. Using a personal loan calculator can help you determine if this strategy will net you savings and, if so, how much.
Recommended: Types of Personal Loans
Paying down $10,000 in debt might not be easy, but with the right strategies, it is possible. This could mean adopting an aggressive payoff method or looking for additional options to pay down the debt, like personal loans.
If a personal loan sounds like the right fit for you, consider SoFi personal loans. SoFi has a simple online application and offers easy-to-use tools. You can view your rate in just 60 seconds, and get your loan funds as soon as the day your loan is approved.
SoFi’s Personal Loan was named NerdWallet’s 2023 winner for Best Online Personal Loan overall.
Photo credit: iStock/ArtistGNDphotography
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.
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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.
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Source: sofi.com
Nebraska is packed with culture and beauty, from the diversity of its music to the vast farmland that brings income to the state. The best banks in Nebraska offer the amenities you need, while also keeping fees to a minimum so that you can make the most of your hard-earned money.
Whether you’re looking for a local bank or a national bank with a Nebraska presence, there’s a bank for you. The below list can help you find the right checking and savings accounts to meet your banking needs.
Although Pinnacle Bank is a local bank, there are branches in Nebraska, Missouri, and Kansas. The free checking account requires a $100 minimum deposit, but there are no fees or balance requirements.
One downside to Pinnacle’s free checking accounts is that the ATM presence is limited, but students, seniors, and military can get up to $10 in out-of-network ATM fees rebated each month.
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Headquartered in Omaha, First National Bank of Omaha (FNBO) is a regional bank with branches in Nebraska, Colorado, Illinois, Iowa, Kansas, South Dakota, Texas, and Wyoming. First National Bank has multiple checking accounts, including a free option that has no monthly maintenance fees or minimum balance requirements.
Not only do you get fee-free ATM access at First National Bank and Allpoint ATMs, there’s also no fees for using out-of-network ATMs. You will, however, be responsible for any fees charged by the third-party ATM owner.
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One of the best things about online banking is that it often comes with high-yield savings accounts. That’s definitely the case with GO2bank, an online bank that pays 4.50% APY on its savings accounts.
But the best thing about GO2bank is its cash accessibility. Not only can you withdraw funds from any Allpoint ATM nationwide, but you can also deposit funds at participating retailers across the country using your debit card.
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Chime is another online banking option that includes all its features in its app. You can access cash at more than 60,000 ATMs nationwide, but deposits can be more challenging.
Mobile check deposit is available, but Chime has no easy way to make cash deposits to your account. Chime’s online savings account offers competitive interest rates at 2.00% APY.
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Union Bank & Trust is a privately owned bank headquartered in Lincoln. You’ll get access to branches and ATMs throughout Nebraska, along with free access to cash while traveling at any MoneyPass ATM.
One thing that sets UBT apart from other Nebraska banks is its bonus of up to $250 for new checking accounts. If you go with the free checking, you’ll only receive $150, but if you’ll have at least $2,500 in electronic deposits within the first 90 days, you can go with a higher-tier account and earn a $250 bonus.
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One of the top national banks in Nebraska is Wells Fargo, which has locations and ATMs throughout the state. You can enjoy fee-free checking as long as you meet the requirements. For the Everyday Checking account, you’ll merely need to maintain a $500 minimum daily balance or have at least $500 in electronic deposits each month.
Wells Fargo is also currently offering a $300 bonus for new checking accounts. You’ll need at least $1,000 in qualifying direct deposits within the first 90 days to get your bonus.
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American National Bank is one of the best banks in Nebraska if you’re looking for a local bank experience with an extended service area. You’ll find 37 locations in Eastern Nebraska, Western Iowa, and the Minneapolis-St. Paul area. The fee-free checking accounts come with a $50 minimum opening deposit and no minimum daily balance requirements.
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There are some disadvantages to going with an online bank. One of the biggest is access to cash. Ally works to overcome that by offering free ATM withdrawals at any Allpoint ATM across the country.
Ally also doesn’t charge a fee for out-of-network ATMs, and you’ll get up to $10 reimbursed monthly. But one of the biggest benefits of Ally is its highly competitive interest rates on online savings accounts and CDs. You’ll even earn 0.25% on your checking account.
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Cornerstone Bank started as First National Bank of York in the 1800s. It’s a great bank if you’re interested in traditional banks with a strong community connection, but its focus is local. ATMs are limited to Nebraska, and you’ll pay a $3 fee for each out-of-network ATM you use.
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Regional banks can be a great compromise between large, national banks and small community banks. Platte Valley Bank has branches across Nebraska and Wyoming, with a mobile app that includes most of the features you’ll need.
One downside to Platte Valley is its ATM profile, since you’ll only have fee-free cash access at ATMs in its service area.
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The most important feature of a bank is that it’s insured by the Federal Deposit Insurance Corporation. Beyond that, it’s simply a matter of highlighting the features that are most important to you.
We considered all that while curating the above list of bank account options. The list combines a bit of everything, from great interest rates on savings accounts to in-person service at branches throughout the state. Here are the features we prioritize in looking for the best financial institution in Nebraska.
These days, you can do the majority of your banking through apps and ATMs. But there’s something about that local bank experience that makes it stand out. If you prioritize personal service, branch access may be most essential for you.
But when looking at financial institutions, keep in mind that brick-and-mortar banks come in a variety of formats. Local Nebraska banks tend to have more of a community focus, but national banks with local branches will give you branch access while you’re traveling. Once you’ve narrowed down the options, you can pick the one with other features you need.
Banking online has brought convenience to the experience. You can deposit checks, transfer money, pay bills, and keep an eye on your accounts. Some banking apps even allow you to interact with a live teller for that personal customer service you’d typically get at brick-and-mortar locations.
Look for an online bank with fee-free withdrawals both locally and while you’re traveling. Also, make sure you’ll have a way to deposit cash if it ever becomes necessary.
Banks need to make money, and often this comes through interest. However, they also earn a little on the fees they charge for deposit accounts.
To compete, banks sometimes waive monthly fees. However, you’ll be expected to maintain a minimum amount in the account. This is where some online accounts can win over traditional banks. They’ll waive these requirements and give you a truly fee-free banking solution.
From the largest banks in the country to community banks, Nebraska has plenty of options when it comes to storing your money. Thanks to banking apps and online access, you can go with a bank that doesn’t even have physical branches. Take a look at all the features and choose the best Nebraska bank for you.
Source: crediful.com
Have you ever watched a TV show once and just couldn’t get over it? You start talking about it to all your friends (and maybe they get annoyed), or maybe you discover they loved it too and now you both can’t stop talking about it? Well, you’re not alone! Today, we’re talking about 15 TV shows that people can’t stop talking about.
One person commented, “I have to say it’s the 1st season of True Detective.”
Another person replied, “Yeah. I held off on true detective for years and idk why. Watched it last week and was absolutely blown away. I started watching it in the evening and only managed to watch 3 episodes then finished the rest the next day. If I had started earlier, I’d have binged it in one day. Such an intense show with amazing performances by all. Rust’s character was so… intriguing. It just kept giving more each episode. Are the other 2 seasons any good? I started watching the second one but it didn’t draw me like the first season did so I put a pin in it for now.”
Band of Brothers is a war drama miniseries that premiered in 2001. The series is based on the book of the same name by historian Stephen E. Ambrose, which tells the story of Easy Company, a US Army Airborne unit that fought in Europe during World War II.
“Band of Brothers will never be [rivaled] I feel. Every episode is outstanding,” one person stated.
“Was just coming here to mention Band of Brothers as well,” another commenter added.
HBO’s Chernobyl is a historical drama miniseries that premiered in 2019. The series is based on the real-life events surrounding the Chernobyl nuclear disaster that occurred in the Soviet Union (now Ukraine) in 1986.
One person said, “I was blown away by this series… The rooftop scene… or the people on the bridge staring at the radioactive snow falling down… still haunts me.”
One user said, “…That miniseries was so good.”
Another Redditor added, “10/10 show.”
The Wire was praised for its realistic portrayal of urban life, its complex characters, and its nuanced storytelling. The show has been credited with revolutionizing the crime drama genre and influencing a generation of television shows.
“Definitely the most interesting and well written drama I’ve ever watched. How they tied it all together through 5 seasons was amazing,” one user stated.
The Americans is a spy thriller television series that aired from 2013 to 2018. The show is set during the Cold War era and follows the lives of two KGB officers posing as a married couple in the suburbs of Washington, D.C.
One person stated, “An absolutely stunning attention to detail. The writing, the acting, the casting, the music, the set design—all of it was just perfect.”
Another one replied, “I’ve just rewatched the Americans and agree—it’s absolutely brilliant. The pacing of it was so well done, and agree with casting and the music was perfect. I just can’t see any other actors embody Elizabeth and Philip so perfectly.”
Stargate SG-1 is a science fiction television series that aired from 1997 to 2007. The show is a spin-off of the 1994 film ‘Stargate’ and follows a team of explorers who use a fictional alien device called a ‘Stargate’ to travel to different planets and encounter alien civilizations.
Futurama is an animated sitcom series that aired from 1999 to 2013. The show was created by Matt Groening, the creator of ‘The Simpsons,’ and follows the adventures of a delivery boy named Fry, who is cryogenically frozen and wakes up 1,000 years later in the 31st century.
Another person quoted a famous line, “’I am the man with no name, Zapp Brannigan at your service.’”
The series is known for its dark humor, satirical commentary on modern society, and its willingness to tackle taboo subjects. The show has been praised for its writing, character development, and the performances of its ensemble cast.
One person said, “It`s like inverted Friends and with the volume at max.”
“Breaking Bad. I wish I could wipe my memory of that show and rewatch it. One of the first shows that made me feel stressed and anxious because I didn’t know what would happen next. Better call Saul is great too,” one user stated.
“I watched it several times all the way through. You can have a whole new experience if you choose to watch it with the focus on a different character’s perspective each time.. It’s a whole new show that way,” another user replied.
The Venture Bros is an animated television series that premiered in 2003 and aired until 2018. The show is a parody of classic adventure cartoons and follows the adventures of the Venture family, which includes scientist Dr. Thaddeus Venture, his two sons Hank and Dean, and their bodyguard Brock Samson.
One person said, “Great show.”
Another user replied, “Loved this show.”
The series is known for its complex characters, its exploration of themes such as family, morality, and mental health, and its masterful use of symbolism and imagery. The show is widely regarded as one of the greatest television series of all time and has been praised for its writing, direction, and performances.
One user commented, “Ohhhhhhh! Why did I have to go this far down this much to find this show. Best show ever. 100%.”
Another Redditor said, “Very allegorical.”
Another added, “Good choice.”
Better Call Saul is a drama television series that premiered in 2015 and is a prequel to the critically acclaimed series “Breaking Bad.” The show follows the life of Jimmy McGill, a struggling lawyer who eventually becomes the corrupt, criminal defense attorney Saul Goodman.
The series is known for its compelling characters, its exploration of themes such as ambition, loyalty, and morality, and its masterful use of cinematography and visual storytelling. The show has been praised for its writing, direction, and the performances of its ensemble cast.
One person shared, “I still think about this finale—brilliant.”
Another person replied, “Yes! I’ve rewatched it more times than I can count.” Finally, the third added, “Incredible series finale.”
“Closest thing to a good book I’ve seen on TV. Following every character developing is amazing, every single step a character takes is a consequence of their previous actions/behaviors or environment. I just love this show,” one person stated.
“Roger is one of my favorite characters ever. Just a rich drunk old womanizing sailor,” one Redditor replied.
One commenter agreed, “For me too. It’s so perfect. I can’t choose between my top 3 shows, but Mad Men is the first series I watched which I considered a masterpiece then and still do now. I’ve rewatched it so many times. it’s almost a comfort show for me and my daughter. It’s also so funny. It has a real wit.”
The series is known for its dark humor, its exploration of themes such as mental health, addiction, and existentialism, and its innovative animation style. The show has been praised for its writing, its use of satire and parody, and the nuanced and complex portrayal of its characters.
One shared, “I don’t think I’ve ever watched a show with better writing than BoJack. The way it depicted mental health on every character, and how it managed to be so disturbingly dark, deep, gut-wrenching and even realistic in ways other shows just aren’t, all while still being a silly animated sitcom filled with funny talking animals… gives it a rightful spot at the top for me.”
Source: Reddit.
Every fad has its time in the limelight, but some of them come and go faster than others; and some just need to die out right away. Check out this list of fads of which people were happy to see the last.
There’s no question that relationships can be confusing, but here are some of the top things to avoid if you want to keep your relationship healthy!
We all have a favorite actor or actress, but most of us have a least-favorite as well. Check out this list of actors and actresses people never want to see performing again!
Some inventions are world-changing, and some of them, well, they change the world in the wrong ways. Here are some of the worst inventions Redditors could think of.
We’ve all had moments of hygiene faux pas—but these celebrities just look like they don’t take care of themselves at all.
Source: financequickfix.com
When Roe v. Wade was overturned, much of the country was in disbelief. A vital part of health care had been stripped away overnight. Now those with the capability to get pregnant have to deal with the sudden emotional and financial burden that having improper abortion access causes.
There are many people who will be affected by this Supreme Court ruling. Yes, the largest groups are women, trans men, and non-binary people, but the economy as a whole may be facing some serious consequences as well.
What’s Ahead:
Perhaps the largest and most direct financial impact of the overturning of Roe v. Wade is how it will affect the cost of having an abortion. Since many states plan to or have already quickly passed laws criminalizing abortion, those who need abortions in those states will need to seek care elsewhere.
Christine Charbonneau, former CEO of a Planned Parenthood affiliate and current host of the FallOfRoe podcast, explains further, saying:
“Firstly, for people who were born with uteruses, making abortion illegal in many states results in the need for travel, lodging, and out-of-pocket medical expenses which will very likely no longer be covered by health insurance.”
Charbonneau also told me that, for those who decide to (or have to) keep their babies, insurance costs jump substantially, adding yet another cost to the many other costs associated with having a child.
Read more: The New Financial Costs of Getting an Abortion
Many people choose not to have children because it’s impossible for them to financially afford to do so. In a study where participants were asked why they were getting an abortion, 56% cited financial concerns.
Additionally, the American Journal of Public Health published a study that examines the outcome, economically, of denying proper abortion access.
“Throughout the period between 1 and 5 years after seeking an abortion, turnaway-birth women were more likely than near limits to report subjective poverty — not having enough money to cover basic living expenses.”
The effects don’t stop at the person that gives birth, either. With a parent or both parents potentially living in poverty, the child is likely to face these unintended consequences.
The Turnaway Study, a long-term study that looked at how unintended pregnancy affects women’s lives, found that children born after an abortion is denied are more likely to live below the federal poverty level than those born to women who were able to get an abortion at an earlier point in their life.
Forced birth takes away from the overall productivity of the working world in general. Predominantly, it’s women (or those who give birth to their children) that take time off or leave the workforce altogether to care for a child. If birth rates go up, more people could leave the workforce, adding to the current labor shortage we’re facing.
This is harmful both to employers and employees.
“In the case of the need for travel for care, absenteeism is an expensive cost for the employer, not just for the person receiving care, but possibly in terms of family leave for the person accompanying her,” explains Charbonneau.
Many employers now offer inclusive leave options that include both parents, putting two people out of work during unplanned pregnancies.
There have already been documented studies that show how restricting abortion access can negatively affect the economy, specifically the economies of the states that don’t provide abortion access. Since it’s expected that those states will have higher rates of pregnancy, the labor force will shrink as more people stay home with newborn children.
This isn’t the only issue with higher birth rates, though. Charbonneau explains that these states now have to factor in the cost of these additional births.
“States which have made abortion illegal or inaccessible have not factored in the costs associated with this. In each of the 50 states, currently, the state pays for between 47% and 52% of all births, and attendant expenses for the postpartum period. Forced pregnancy radically increases the budget required to finance these policies.”
It’s also important to discuss that a lack of access to abortion will not affect people the same across the board.
Those who will be most financially affected by the overturning of Roe v. Wade are the ones who historically need access to abortion the most. These include:
Those With a Low Income
Those with lower incomes often have less access to comprehensive health care and education, which can lead to more pregnancies. Many of the states that are passing abortion restrictions also have the largest number of low-income households.
The reversal of Roe v Wade will likely raise the cost of abortions for many people, meaning lower income households will have less access to this procedure than those with higher income.
Here’s more information about how the cost of abortions has changed in a post Roe v Wade world.
Women of Color
Women of color are also affected by societal systems in place more so than white women, since they live in areas that have historically low levels of contraceptive education and fewer health care facilities.
Specifically, Black women have the highest rates of abortion accounting for almost 24% of total abortions performed. This means reducing access could have serious implications for this section of society.
An unplanned pregnancy will both reduce their ability to earn income while simultaneously increasing their living expenses.
Disabled People
Those with disabilities often face discrimination when seeking proper health care. Decreasing abortion access could make this yet another hurtle that disabled individuals have to face.
Add to the fact that disabled people are three times more likely to be subject to a sexual assault and the risks here are even greater.
Trans and Non-Binary People Who Can Get Pregnant
Many trans men and non-binary people still have the ability to get pregnant. Like the other groups mentioned above, they face increased levels of discrimination in education and health care, and already lack legal protections that keep them safe when seeking out medical providers, making abortions even more difficult and expensive to find.
Since there are no real financial positives to reducing access to abortions, if you’re looking for ways to help or you need access to a safe abortion, there are different abortion funds you can support or use to get the help you need.
Charbonneau says that a good way to find a provider is to use AbortionFinder.org. Additionally, you can find funds to support on AbortionFunds.org.
The overturning of Roe v. Wade is set to have financial implications for much of the country, both emotionally and economically. There could be labor shortages, negative economic consequences, and severe psychological harm to both the person giving birth and the child.
Additionally, Roe v. Wade set a precedent for many rulings that gave Americans a right to privacy. Without it, there could be more disastrous changes on the horizon.
To support the fight for fair health care, visit AbortionFinder.org or AbortionFunds.org.
Featured image: Eli Wilson/Shutterstock.com
Source: moneyunder30.com
As homeowners, who doesn’t love the idea of improving our living spaces, especially when you can do it for under a couple hundred dollars? The great news is that there are several do-it-yourself weekend projects that can quickly transform your home in a weekend, and all without draining your wallet. Whether you live in a townhouse in Washington DC, or a cabin in Lexington, KY, we’ll explore nine affordable weekend home projects that you can complete quickly, and all for under $200.
Wallpaper is an excellent way to add personality and style to any room. Opt for a bold pattern or unique texture to create a statement wall in your living room, bedroom, or home office that’s sure to impress. Many home improvement stores offer affordable wallpaper options that are easy to apply, and you can quickly cover a standard-sized wall for under $100. The transformation will be immediate and remarkable, giving your space a unique touch that reflects your personal style.
Upgrade your lighting fixtures with energy-efficient LED bulbs. LED bulbs consume less electricity and last longer than traditional incandescent bulbs and come in various color temperatures, allowing you to customize the ambiance of your home. With LED bulbs priced between $3 and $10 each, you can easily change the feel of your entire home for under $100.
Give your bathroom a mini-makeover by replacing outdated fixtures such as faucets, showerheads, and towel racks. New fixtures can instantly update the look and feel of your bathroom from dated to luxury. Look for stylish and affordable options at home improvement stores or online retailers. With a budget of $200, you can find quality fixtures in many different finishes that will add a t
Transform your outdoor space, or at least a part of it, into a serene oasis by adding potted plants and flowers. Choose among a variety of plant species that suit your climate and personal preferences in shape, size, and color. Colorful blooms and foliage can create visual interest and instantly enhance your curb appeal. With a budget of $200, you can easily shop for plants at local nurseries or take advantage of online deals and discounts and curate a beautiful collection of potted plants that will bring life and vibrancy to your outdoor area. This could be the perfect weekend project to complete this summer.
One of the most cost-effective ways to refresh your home’s interior is by painting the walls. A fresh coat of paint can instantly revive a room and create a new and inviting atmosphere. Choose a color that complements your existing furniture and décor. A gallon of paint typically costs between $30 and $60, and with proper preparation and a steady hand, you can achieve professional-looking results. Here are some popular colors this year to “swatch” out for.
Convert a plain wall into a captivating focal point by creating a gallery wall, which is a compilation of your favorite photographs, artwork, or prints arranged on a wall in a visually appealing way. Experiment with different frame styles and sizes to add depth and then add visual interest by placing your pieces on the wall in a way that allows your eyes to flow from one piece to the next. It may take some extra effort to get it just right, but you’ll be glad you spent the extra time. With affordable frames and prints available online or at local stores, you can create a stunning gallery wall within your budget.
Upgrade your home’s heating and cooling system with a smart thermostat. These devices not only provide convenience but also help you save energy and reduce utility costs. Many smart thermostats are priced under $200, thought they can certainly go up from there, and offer features such as programmable schedules, remote control via smartphone apps, and energy usage insights. This may not necessarily change the look of you home by much, but it will have a big impact on keeping your home at a comfortable temperature every day.
Utilize your outdoor space or even a sunny corner indoors to create a vertical herb garden. Build a simple wooden frame or repurpose a hanging shoe organizer to hold small pots or planters. Choose herbs like basil, mint, parsley, or rosemary that you frequently use in cooking. Not only will this DIY project provide fresh herbs for your culinary endeavors, but it will also add a touch of greenery to your home.
Embarking on DIY weekend projects allows you to unleash your creativity and make meaningful improvements to your living spaces that better reflects your personality and interests. The nine household DIY projects discussed above offer practical and budget-friendly solutions to upgrade your home, but there are so many more worth exploring. So, grab your toolkit, unleash your inner DIY enthusiast, and start transforming your home today.
Source: redfin.com