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No one said life was fair—which becomes even more poignant when it comes to losing a beloved celebrity. Many of our favorites are remembered not only for their entertainment abilities, but for their big personalities and their heart. From the controversial rapper who changed an entire genre to the movie star with millions of adoring fans, these 15 celebrity deaths shook the world and caused us all to collectively weep in grief. Here is a look back at some of the most impactful recent losses in entertainment that still linger today.

1. Robin Williams

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One user posted, “Robin Williams. I loved that man.”

A second user replied, “I’m still pretty torn up about him and Steve Irwin.”

Another commenter added, “Happy to find both of these at the top. Certainly, my choices RIP.”

One Redditor also commented, “I think they were gonna do a movie together, and all the gods were like, nope, the mortals can’t have such entertainment. Seriously, though, a movie with Mr. Williams, Mr. Irwin, and Mr. Farley. Beautiful people, those guys.”

2. Alan Rickman

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One Redditor also posted, “Alan Rickman.”

Another commenter replied, “My first movie introduction to him was the Sheriff of Nottingham in Robin Hood, Prince of Thieves, and I still threaten to take someone’s heart out with a spoon. [God] rest his soul…”

One commenter quoted, “’But why a spoon, cousin?’”

Another Redditor replied, “’Because it’s dull. It’ll hurt more, you TW*T.’”

3. Grant Imahara

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“Grant Imahara,” one user commented.

Another user responded, “His death was so random and unexpected that I genuinely didn’t believe he died. For a couple days after it happened, I was silently convinced it was an internet prank. Watching the videos of Adam Savage touring his workshop was really hard too.”

One Redditor replied, “Aneurysm is a silent killer, even perfectly healthy people can get it suddenly, sometimes during the night. It’s terrifying. You just go to sleep and never wake up again, because of the faulty vein in your brain.” 

4. Steve Irwin

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One user commented, “I’m Australian and was in class when I found out that Steve Irwin passed over. It was physically upsetting. I was really distressed all day. I don’t remember feeling that shock since Princess Diana.”

A second user replied, “Steve Irwin is the first celebrity death that I remember happening. Sometimes I wonder what he’d be up to if he was still alive today.”

Another added, “I imagine that, if he had survived the stingray attack, he’d be back swimming with a school of stingrays in the next show. To show that there is nothing to fear and that the stingray that hit him didn’t really mean to do it. Then he would explain how they defend themselves, and he’d also kiss a ray at the very end of the show and call it his ‘little mate’ before releasing it.”

A user also shared, “I remember that Animal Planet had his family and friends over to announce it. It completely destroyed me, it was like my favorite uncle had died. I was so upset that my parents couldn’t get me to school for days. The saddest, most frustrating part of it all is that you know, we all know, anyone that had 15 minutes to hear him talk knows… If he had had a chance to say some last words, they would’ve most likely been, ‘It was my fault, please don’t blame, hate, or hurt the animal.’ He taught me to see beauty in all living things, even creatures our primal instinct rejects. My tribute to him is trying to spread his message that all life is precious and should be respected, admired, and protected, not feared or destroyed.”

5. Anthony Bourdain

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One user posted, “Anthony Bourdain. I miss his snarky attitude.”

Another commenter replied, “I think it hit me because, as a pessimistic and generally melancholy sorta person.. I saw within him a kindred spirit with similar tastes and hobbies, etc… Seeing someone who kind of has an idealized version of a life I’d want and that they couldn’t handle and make it out of here so to speak… it kind of dampens the morale a bit when it comes to your own chances of finding peace and happiness.”

“This is a perfect summary if you ask me. His snarky attitude, his love for food and other cultures, and meeting people. And indeed his somewhat melancholic personality… That’s me. That’s about as perfect as a match can be on paper. And I get it. That’s what hit me even harder. Sometimes, I really do get it. And I agree,” added one user.

Another user replied, “It’s hard rewatching all his stuff now. Some of the things that he said really made me sit up and think to myself that we all missed the signs and taught me to listen to people more carefully.”

6. Chester Bennington

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One user shared, “Chester Bennington.”

Another user replied, “’When my time comes, forget the wrong that I’ve done, help me leave behind some reasons to be missed.’”

One user commented, “I bawled my eyes out and had to pull over and park my car when “Leave Out All The Rest ” played off my Spotify playlist in 2019. It took on a whole new meaning for 2 reasons:

“I had recently moved to Florida after a really bad divorce, so I lost my entire support base of family and friends from my home state with that move. I’m South Asian, and the stigma of divorce and all of that stupid stuff that our community has, weighed heavily on me because of what my parents were experiencing from people in their lives. The shame was getting to me, I was just driving around waiting for my flight back to my home state. I booked my flight the night before Christmas, because I felt too ashamed to show my face to my family. Somehow I gathered the strength to purchase those tickets and come back to Michigan for a while. This song reminded me of how small this feeling was, that I had nothing to be ashamed of anymore, and that I also needed to leave those parts alone, so to speak.

“It was like a friend of mine gave me a ton of wisdom, love, and support. Then reality sank in, he was gone for good. I took out what I thought were all of the Linkin Park songs from my playlists a few days after he passed because I couldn’t help but feel extremely sad when I would hear them (all the songs are back on my playlists now). But back in 2019, his death was still relatively fresh in my mind, and I thought I took out all of the band’s songs. I missed this one, and I swear, it helped me so much.

“Wherever you are, Chester, I hope you have peace and tranquility. My only regret is not being able to help you, but I will continue to be compassionate and helpful towards others in life the way I have been. Thank you for helping me along with so many others, whether you know it or not man.” 

One user also added, “That moment in the memorial concert when they play Numb without the vocals, but have a spotlight on an empty microphone wreathed in flowers kills me every time. That the crowd picked up on it right away and sang the whole song too…”

7. Mr. Rogers

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One user posted, “It was pouring rain that morning and I’d stopped to grab breakfast before a looming nightmare commute to work. Right as I was about to pull the key out of the ignition, I heard them say on the radio that he’d passed and just sat there in my car, sobbing.

“I met him in 1983 when he came to my elementary school with the Purple Panda and for a 4 year-old, it was like meeting Jesus. I was so overcome I just blurted out, ‘You’re my best friend!’ and he smiled and said, ‘I’m so glad that we’re friends.’ We didn’t deserve Fred Rogers.”

A second user commented, “My parents were mildly abusive. It was only because of Mr Rogers that I knew something was wrong in my household. The amount of love he shared with people on the other side of the TV was awe inspiring. I think if someone tried to do that today they’d come off as insincere or [trying too] hard.”

Another user shared, “I think he’s the celebrity the world needs most right now. Though I think he’d be so disappointed in all of us to see how we treat each other. I still remember where I was when I heard he’d passed away. My high school band was at Disney World. I can’t remember what park we were at that day but there was a bust there of Mr. Rogers that was already covered in flowers when we got there that morning and people of all ages were stopping there to pay their respects even though it was raining. It just showed how truly beloved he was that so many generations felt like they’d lost a friend when he passed.”

8. Heath Ledger

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One Redditor posted, “In 8th grade English class we read Taming of the Shrew and then the teacher let us watch 10 Things I Hate About You to show us how his works still impact writing today. So I had JUST discovered Heath and had a massive crush on him when he passed away less than a year later. It was the first celebrity death that really impacted me.”

Another user also shared, “Still makes me so sad. I thought he was an amazing actor. He just seemed to exude joy.” 

“More than exuding joy, he was a remarkable actor. There is a scene in A Knight’s Tale in which he and his cohorts are looking towards the camera as someone is telling them some news. Heath Ledger’s face passes from subtle emotion to emotion. You could read his entire thought process as he absorbed the news. The other actors’ faces were just one look of surprise at the news. I so regret we didn’t get to see Heath Ledger continue to develop because he had a rare gift.” one user replied. 

9. Chris Cornell

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One Redditor also shared, “Chris Cornell. So talented; gone too soon and died so tragically.”

Another user replied, “I saw him and Chester Bennington in 2007 together. Hell of a show. They’re the reason I never hesitate to say yes to a concert now.”

One commenter added, “Yeah, I’ll forever regret never seeing Linkin park in concert. They were my favorite band as a teenager, and I had one opportunity to see them live when I was in high school and skipped it because I was sure I’d have another chance. Nope. Damn.”

10. Chadwick Boseman

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One Redditor shared, “Chadwick Boseman R.I.P. Black Panther.”

Another user commented, “He was such a humble, thoughtful, and selfless dude. I remember watching 21 Bridges and Black Panther and wishing I was as bad-ass and self-less as his characters were. Knowing he was battling cancer while working on several of his movies blew me away, he knew how important Black Panther was to people and continued to train and study every day while battling cancer. Not to mention visiting children battling cancer and hoping to make their day a little happier and a little easier. He continues to motivate me every day to be a more selfless and stronger person and remind me not to waste my life worrying about what others think of us and just doing what you know is right. He’s one of the few people I look up to and strive to be [like. Rest] in peace Chadwick.” 

One Redditor added, “A friend of mine went to middle school with him. She had just moved to a new town, after her parents split up, and was having a really rough time; she says that he was one of the only people at that time who was genuinely nice to her. Chadwick Boseman was organically, truly good and that’s a rarity, these days.”

11. Sir Terry Pratchett

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One user commented, “Sir Terry Pratchett. He and his works both made the world a better, more interesting place.”

A second user replied, “Terry Pratchett is the reason I evolved from a scared and nerdy introvert kid to the sociable ‘nerd whisperer’. He instilled in me the idea that the filters you use shape your reality, because the actual one is absurd, bizzare, weird, sad and funny, on every scale and step. It is up to us, how we perceive and handle it. Thanks and GNU, Sir Terry Pratchett.”

Another commenter added, “Terry Pratchett is and always will be my favourite author. He could make me laugh and cry in the same sentence. Even now years later when I reread his books I find references or subtleties I missed the last time. He died towards the end of my pregnancy with my youngest. It was a horrible, very traumatic pregnancy and very dark time for me. His death made it worse, especially as his books always brought comfort. It has been several years since then and I still cannot bring myself to read the last book as I am still not ready for it to be over.”

12. Anton Yelchin

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“Anton Yelchin,” one user shared.

A second Redditor replied, “Dude had cystic fibrosis. And that isn’t even what killed him.”

Another user added, “He was in my extended friends group…grew up as besties with my buddy’s kid. I used to see him at pool parties and stuff, and he had seen one of my bands, so we would chat about that. Super nice guy with a ton of amazing stories…and then one day, it was just like: ‘Oh my god. Did you hear about Anton???’ Totally f*cked.”

Another user added, “I hope y’all check in on his mom. Last time I was regularly in Hollywood she was still going to his grave for hours every day. Very sad.” Another user added, “He’s my go to for this question. Poor guy had the whole world in front of him. He was in great movies (hell even his voice work in Trollhunters was great) , and the way he went is just so random and awful. Not to say other deaths aren’t tragic, but I think his was more so when compared to the natural death of someone 99 years old, or a drug-related death of someone or someone taking their own life.” 

13. Carrie Fisher

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One user ended, “We never deserved Carrie Fisher.”

Another Redditor commented, “Followed immediately by Debbie Reynolds 🙁 I felt so bad for Billie Lourd.”

One user replied, “I met her at a Comic-Con right before she died. She was still so beautiful, funny and classy. I was heartbroken when I heard she died.”

14. David Bowie

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One user posted, “David Bowie.”

Another replied, “That would be my pick. Knowing he made his last album, released it, and then died 3 days later. It was beyond spooky, but also really cool and creative.”

One Redditor added, “The music videos he created for that album were eerily beautiful.”

Another commented, “My nan bought on the day he died she was on the way back home to listen to it turned on the radio and it announced he had died. She still has the album unopened; she just couldn’t bring herself to do it.” 

15. Jim Henson

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A user shared, “Jim Henson, too early and such a source of joy to so many.” Another user commented, “Yes. Every time I go to Hollywood Studios at Walt Disney World I have to go to the Muppets 3D movie, it was the last thing he did as Kermit. It makes me sad that he died before the paperwork with Disney was complete and because of that a lot of the plans for the muppets at that park never happened. Watch his funeral on PBS, it’s one of the best celebrations of a human’s life you can see.” 

Do you agree with the list above? Share your comments below!

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Source: financequickfix.com

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“That’s assuming we don’t keep improving from that $20 million,” Ghamsari said. 

Blend is also confident in its growing customer base. Despite the mortgage industry suffering from thinning margins, some of Blend’s mortgage customers are growing their market share, and the firm’s non-mortgage customers are rapidly growing — positive signs for the company, Ghamsari emphasized.

However, getting acquired by another firm is not in the cards, according to the CEO.

“We feel very confident in our customer base and our product set, and our revenue base and our balance sheet.”

Read on to learn more about Blend’s priorities, its focus on improving mortgage companies’ business, and the firm’s plan to cut down costs.

This interview has been condensed and lightly edited for clarity.

Connie Kim: Blend is focused on being a platform company, but the firm’s major customers are mortgage lenders right now. How is Blend navigating to overcome the time needed for customers to see the value of the new platform?

Nima Ghamsari: First and foremost, our mortgage business is by far my biggest focus. We have got to make sure those people are successful. We still have over 200 people working on a mortgage suite of software – building more features and rolling out existing features. What we’re saying is, we want to keep investing. We also want to build for the future.

The Blend Builder (platform) is taking all these components of income, identity, assets, credit decisioning, everything and saying we want to make that drag and drop. And we want to make all the configurations, because that will enable us to move faster and build more products. I want us to be able to enable our customers to take some of the things that we don’t want to build and be able to build it themselves over time. 

I also want to eventually have third parties to be able to add more capabilities to that platform to get more vendors and partners into that ecosystem so that they can help our customers benefit. I get called by vendors and third parties all the time who want to be better integrated with our customer base. This (Blend Builder) will enable that to happen faster; I think it’s just going to add speed to the industry as a whole.

This is not just for consumer banking. I know our mortgage suite will be on Blend Builder. So this will be re-platforming as a company. 

Kim: How do you bridge the gap between now and the future when customers see the value of the Blend Builder platform?

Ghamsari: One, I would say that (Blend Builder platform) is a pretty meaningful part of our revenue base already. Navy Federal is a big mortgage home equity customer of ours, but now they also signed on to the deposit account side on the Blend Builder platform. We have a lot of non-mortgage customers.

Just from a purely financial perspective, as of last quarter at $350 million in the balance sheet, we have $225 million debt that’s due in the second half of 2026. So we have over three years before that debt is due. 

I’ll be the first to admit that we were probably doing too many things a year ago, so all those too many things that didn’t directly help our mortgage customer base, or help us re-platform, I’ve cut all of those things out. That plus the combination of our customer base today and the strength or balance sheet, we don’t foresee any issues given the three-and-a-half year time horizon.

Kim: Following up on the balance sheet — particularly the $350 million liquidity — Blend’s operating cash burn was about $190 million last year. I’ve heard an analyst say that it gives less than two years of runway. What is your perspective is on this?

Ghamsari: We’ve told the street (Wall Street) that we will get our operating losses – through cost cuts and through revenue growth – to $20 million a quarter by the end of this year. And $80 million a year off of a $350 million balance sheet is four-plus years to get that.

But that’s assuming we don’t keep improving from that $20 million. What we’ve also told the street is we will improve that net operating loss throughout this year sequentially. And so we don’t intend to stop when we get to $20 million given the investment we want to make in re-platforming. It’s the right thing to do at this instant. 

Kim: A lot of investors are mentioning the loss – the $796 million loss that Blend incurred last year. An analyst even mentioned Blend being an acquisition target. Is an acquisition in the cards for Blend?

Ghamsari: Obviously we hear from people all the time, and if there are ever serious offers made, I’m required as a fiduciary to take it to the board. But the board and I, we feel very confident in our customer base and our product set — and our revenue base and our balance sheet. So it’s not something that’s top of mind for me right now.

Kim: Before Blend went public, the company raised about $665 million over its lifetime. Is another round of funding in the cards for Blend?

Ghamsari: We have nothing planned as of now. The strength of the balance sheet is good. Markets are so low right now; it would just be very expensive to raise money. We are focused on building the company and getting the cash burn down so we can then drive the outcomes that we think are possible.

Kim: What factors do you see as being crucial for the company to post profitability?

Ghamsari: We have to make sure that we are growing our customer base. One thing that’s been encouraging for me is I’ve seen some of our customers grow market share in this time already. 

And we successfully show that the non-mortgage consumer businesses – which is actually a really fast-growing part of our business – can continue to grow at the rate that has been growing, and then we get some continued improvements in the cost structure. That will show how do we get the net losses to zero and then positive in the next two relatively medium-term time horizons.

Kim: What are some of the risks you monitor externally and internally?

Ghamsari: I obviously pay attention to macro. Inflation, we look at what the Fed does, the job market every month. We look at our own application volumes internally, because that’s an indicator for loan closings.

We have some other conditions monitoring internally, [such as] what is the health of our customer base? How much are they using our product? One thing we’re monitoring very actively is, what functionality are our customers able to benefit from today? And what are they not benefiting from? How do we put together a roadmap in front of them?

If they’re not getting the benefits from Blend, there’s only two outcomes – they are in a tight market environment or they are just not getting full value from the product. So they’re going to want lower pricing or go to a competitor that’s cheaper. So we’ve got to pay really close attention to that.

One of the things I want to do is, I want to be out there more, making sure our customers know how much we’re investing. I think before you and I talked, you probably wouldn’t have guessed that we had 220-plus people working on our mortgage product today.

Because so much of our marketing and marketing effort is public-facing, we’re so unknown in consumer banking. People don’t realize how much we’re investing in the mortgage product and how valuable Blend Builder is going to be to them in the long term.

Source: housingwire.com

Apache is functioning normally

People often use the terms “pending offer” and “contingent offer” interchangeably, but there is actually a difference when you are talking about real estate.

When a property is said to be contingent, that means the seller accepted an offer that is contingent on particular conditions requested by the buyer. These conditions could involve anything from an inspection to financing.

If, however, you see a house on the market switch to pending, there’s a different status involved. The seller has accepted an offer, and all contingencies have either been waived or addressed.

Yes, the distinction may be subtle. However, the bottom line is, neither status actually means a property is sold. If you have found your dream home and it says “contingent” or “pending,” there is still a chance you could snag it.

Contingent Offers vs. Pending Offers

Here’s a closer look at the difference between contingent and pending offers.

What is a Contingent Offer?

When a home’s status switches to contingent, it means contingencies stand in the way before the deal is done. If closing on a home is a race, then buyers still have miles ahead of them when they enter the contingency process.

There are many types of contingencies buyers can include in their offer that make it easier for them to back out of a real estate deal, but these are some of the most common:

•   Financing contingency. The buyers put some money or the promise of a mortgage behind their offer, right? This condition ensures that if the buyers aren’t approved for a mortgage, they’re not on the hook for finding cash to buy the property.

Some buyers choose to have a preapproval letter in hand to make the financing contingency move faster.

Recommended: How Does Mortgage Servicing Work?

•   Inspection contingency. A home inspector is paid to search the property top to bottom to uncover any issues. With a home inspection report in hand, buyers can ask the sellers to solve the issues or give them a credit against the purchase price of the home.

With this contingency, buyers can also walk away from a deal based on the findings of the inspection. Alternatively, if both parties don’t come to an agreement on repairs or credits, they can terminate the deal.

•   Appraisal contingency. In order to secure financing for a home, it must be professionally appraised for the value of the offer or more. If the home appraises for less than the offer, the buyer can either make up the difference in cash, negotiate with the seller for a lower offer, or walk away from the deal.

•   Home sale contingency. If buyers need to sell their existing home to help finance the purchase of a new home, they may include a home sale contingency in the offer. That means if an offer on their home falls through, they’re no longer on the hook to buy the home they made an offer on.

Contingencies are in place to protect buyers and sellers in the event of snags throughout the negotiation process.

Prospective buyers can include as many contingencies as they like in an offer, and if the sellers agree, the buyers will need to work through each one before they make it to closing.

For people salivating over a hot property that looks taken, contingencies may signal opportunities for a deal to fall through. If you have your heart set on a home that’s contingent, you can hold out hope. Thanks to contingencies, there’s a chance the existing offer will fall through.

Recommended: What Is a Mortgage Contingency?

What is a Pending Offer?

Just because a home is pending doesn’t mean the deal is done. A home often enters pending status once buyer contingencies are cleared, but it can also enter pending status immediately if a buyer makes an offer without contingencies.

A pending home sale may still fall through, but the buyer and seller have worked through most of the contingencies. For a pending sale to fall through, there likely has been an unexpected issue with the inspection or financing.

In fact, a pending home is still on the market. The listing agent and seller can choose to continue showing the home and even accept other offers, even if its status is pending. However, this is largely up to the sellers and their agents.

Recommended: First-Time Homebuyer Guide

Can Pending and Contingent Homes Take Other Offers?

If a home is contingent and the buyers are still working through the inspection, financing, or selling their current home, a competing buyer can make a backup offer on the property. If the initial offer falls through for any reason, the seller can take the other buyer up on their offer.

It’s up to the sellers whether they will accept a backup offer or not, but if the buyer loves the property, it can’t hurt to ask.

In many markets, a home with pending status means it’s not open to additional offers, but the deal isn’t sealed. It’s not over till it’s over, so the buyers could still back out based on their contingencies, as outlined above.

(A home could be marked “pending, taking backups,” indicating that the seller is still showing the house and accepting backup offers.)

When a home is pending or contingent, it’s not against the law for another buyer to ask for a tour, express interest in the home, or even make a competing offer. But compared with a home that is not under contract, it is less likely that a competing buyer will get the property.

While you may make offers on these properties, buyers don’t get your hopes up. Depending on how close the buyer and seller are to closing, it’s not legally possible for the seller to accept another offer.

Additionally, the closer a home gets to closing, the more complicated competing offers can be. This is when a seasoned real estate agent may come in handy. They will understand the market, process, and legalities better than most first-time buyers do and how to navigate a hot housing market.

Recommended: Guide to Buying, Selling, and Updating Your Home

The Takeaway

Contingent vs. pending: Though some use the words interchangeably, the two statuses are different. A contingent deal may have a long way to go, as buyers firm up financing, await an appraisal, or sell their current home. A pending property is nearer to closing, but the deal still isn’t final.

Buyers eyeing a dream property may hold out hope that contingent or pending deals fall through. In that case, having everything set up for a backup offer could pay off.

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.

*SoFi requires 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. Minimum down payment varies by loan type.

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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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Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility for more information.

Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.

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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Source: sofi.com

Apache is functioning normally

The holiday season is upon us, the time of year for family, friends, food — and wine. Yes, it’s true, I associate the holidays with alcohol. It never used to be this way (probably because I didn’t drink), but for the past five years, I’ve spent late November stocking our wine rack.

There are several reasons for this:

    • From mid-November to mid-January, the local supermarkets have huge wine sales.
    • Every winter, Consumer Reports lists holiday wine bargains. In the December 2010 issue, for example, they suggest 22 “best buys” between $4 and $15 per bottle. (Most are in the $7 to $10 range.)
  • Our circle of friends seems to have more dinner parties during the winter than at other times of the year. When we gather, we drink wine.

For a long time, I used the shotgun method of buying wine. I went to the store and bought bottles at random, usually based on whether I liked the label. (No joke!) Nowadays, however, I’m more methodical. I’m reluctant to buy a wine I haven’t tried before; I mostly buy wines I know I like. And I try to get them for as little as possible.

Drink What You Like

My top tip for saving money on wine is to buy what you like. When you buy a bottle blindly, there’s a chance you won’t enjoy it. Buying bad wine is like pouring money down the drain. But if you stick with old favorites, wine can be an excellent value.

How can you tell what you like? You have to experiment. Wine recommendations should be treated like movie reviews: They can give you a general idea of what you’re going to get, but your actual reaction will be intensely personal. To know for sure, you have to taste a wine.

When you find something you really like, write it down. For me, this only happens about once a year. When I taste a wine that knocks my socks off, I immediately send myself an e-mail so I won’t forget. After doing this for the past few years, I’ve developed a short list (of four wines) that I’d actually like to have on hand.

There’s no need to keep elaborate notes (unless you want to). I’m an unsophisticated wine drinker. Oaky? Fruity? Full of tannins? Heck if I know. Some people are serious about wine, and that’s fine. For me, though, wine is fun. Eating a good meal while sharing a bottle of wine is a bonding experience. Wine brings people together. And it does that just as well at $8 a bottle as at $80 a bottle.

Finding Wine Bargains

As much as I love it, wine can be expensive. It pains me to spend $25 on a bottle of something to drink. So I don’t — not if I can help it. Instead, I keep my eye out for wine bargains. Here are five ways I save money on wine:

    • Wait for a sale. Yes, wine goes on sale, especially at supermarkets. Between now and the end of the year, Safeway has tons of wine marked down for the holidays, including “30% off wines priced $20 or more”. (This is true in the Portland area, anyhow.)
    • Buy in bulk. Many grocery stores offer discounts if you buy several bottles at once. Safeway, for example, gives shoppers 10% off if they buy at least six bottles. Combining this with the 30% discount I mentioned above, you can buy a $20 wine for $12.60 — or a $40 wine for $25.21. (I’m using Safeway as an example because that’s our local supermarket and I know their policies.)
    • Order by the case. When you find a wine you like, stock up. Ask your local wine store or supermarket if you can order a case of the stuff — and ask if that’ll earn you a discount. My friend Paul, for example, recently found a tasty pinot noir. At $24 per bottle, it wasn’t something he could afford, though. When the local Fred Meyer put the wine on sale for $10 a bottle, he bought a case. By doing so, he got an extra dollar off the sale price, saving him a total of $15 per bottle!
    • Shop at a warehouse club. Most Costco stores have a fine selection of wines at reasonable prices. I’m sure other warehouse stores do, too.
    • Check discount stores. I’ve had several GRS readers tell me that they buy their wine at ding-and-dent stores, such as Grocery Outlet or Big Lots. (Here’s an article that explains how Grocery Outlet can sell good wines for cheap.)

I’m sure there are other ways to buy wine for less, too. Consumer Reports, for example, is a fan of buying wine online. (Their wine shopping tips include advice for buying via the web.) And I’ve always wondered if it might be possible to get a good deal by buying directly from the winemaker. If you have tips for saving on wine, please let me know.

Further reading: If you’d like to learn more about wine, check out the Consumer Reports wine buying guide. It’s a short intro to the types of wine and when to drink them.

Putting Theory Into Practice

So, how do I put these tips into practice? That’s easy to answer since I’ve been doing so for the past couple of weeks.

First, I do 90% (or more) of our alcohol shopping at the end of the year, when the best bargains can be had (at least here in Portland). We stock up during the holidays, and then don’t worry about alcohol for the rest of the year.

When I start my holiday wine shopping, I check to see if I’ve noted any favorite wines over the past twelve months. This year, for example, I had two: the Graffigna Centenario malbec and the Domaine de Ménard sauvignon blanc. I don’t know where I drank these, but I liked them enough to make a note to myself. So, I headed to a local wine shop and ordered a case of each. (Along with cases of two past favorites.) For less than $8 a bottle, I now have wines I know I like — enough to last a year or more.


Once each year, I place a big wine order, which lowers my costs.

Next, I stopped at Safeway to buy some pricier wine. (We usually take this to parties; I don’t mind giving expensive wine as a hostess gift, but I can’t bring myself to drink it at home. Is that weird?) Using the sale I mentioned above, I bought six bottles regularly priced $20 or more. I paid a total of $96 for wines that would normally have cost $150.

Finally, after Thanksgiving, I’ll carry the latest issue of Consumer Reports with me on a trip to Costco. If I find any of their recommended wines, I’ll buy two or three bottles of each.

This brief burst of wine shopping will keep us stocked for at least a year, and will save us money to boot!

A brief word about booze It’s more difficult for me to give advice about beer and booze. I don’t drink beer, and I’m under the impression that each state has different rules and regulations for the sale of distilled spirits.

Here in Oregon, for instance, liquor stores are under the oversight of the Oregon Liquor Control Commission, which tightly regulates how and what they can sell, and at what price. Because prices are controlled by the state, shoppers can visit the OLCC website to download a price list and to see current specials.

My guess is that in most places, it pays to be patient. If you have favorites, wait until they go on sale. When they do, stock up. For instance, I’m a fan of Scotch whisky, and like to have my favorites (Ardbeg, Caol Ila, Lagavulin) on hand. Rather than pay full price for these, I wait until they’re marked down, then buy two or three bottles. Recently, for example, I found Caol Ila discounted from $54 to $50 a bottle. I bought two bottles to tuck away for the future.

Source: getrichslowly.org

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Believe it or not, you can go to Disneyland when it’s not crowded.

If you’ve been there, this may not seem possible — especially if you’ve visited only on the weekend or during summer. But there are ebbs and flows to crowds at Disney parks. Depending on how you like to travel, whom you’re traveling with and what your budget is, the best time to go to Disneyland will differ.

Let’s look at when’s best for you, no matter your travel situation.

For first-timers

As you may expect, Disneyland Park is the original; it opened in 1955. The park contains Sleeping Beauty Castle and fan favorites such as Pirates of the Caribbean, Space Mountain and Haunted Mansion.

Disney California Adventure Park, meanwhile, opened in 2001. Originally modeled after the various landscapes you’d find within California, the park has since seen significant retheming and now contains a land dedicated to the “Cars” movie, one focused on Marvel movies and a pier based on Pixar’s films.

If this is your first visit, you’ll want to do your best to experience everything. We recommend a minimum of two days: one for each park.

You’ll want to consider nonpeak periods when the resort is less crowded to maximize your time. Generally, Disney is extra busy and crowded during the following periods:

  • Spring break: typically late March and April.

  • Holiday weekends: Memorial Day and Labor Day.

  • Summer: mid-June to the end of August.

  • Halloween and weekends in October.

  • Thanksgiving week.

  • Winter break: second half of December through New Year’s Day.

Though you may find periods that are busy outside these windows, these are the big ones you’ll want to avoid. It will be difficult to deal with the crowds, and you’ll probably pay a premium for hotels and accommodations.

For families

If your children are school age, you may be limited as to when you can visit Disneyland. This means you may end up at the parks during peak periods.

Though it’s not possible to avoid crowds, there are still times that can be better than others.

This is thanks to some of the special events Disneyland puts on. These include Princess Nite and the Oogie Boogie Bash, both of which take place after the park closes (the park closes early to accommodate these parties).

The Oogie Boogie Bash is especially popular for kids because of the unlimited trick-or-treating. There are also character meet-and-greets, a special parade and the ability to ride all the standard rides.

For crowd-haters

Listen, we dislike crowds, too. There’s a reason entire websites are dedicated to figuring out when Disneyland will be crowded. If this is you, do yourself a favor and visit only during the offseason.

Though it isn’t often that you’ll find hardly anyone at the Disneyland Resort, there are some times when it will be as close to empty as possible.

This includes many weekdays throughout the year, especially during January, February and March.

It’s also relatively empty at the end of August before Labor Day weekend brings huge crowds. September as a whole is also empty, as is the two-week period after Thanksgiving before winter break starts.

For the frugal traveler

A visit to Disneyland can be pricey, especially if you need to travel in from out of town. Disneyland operates a dynamic pricing structure that’ll charge you from $104 to $179 for a one-day ticket.

To find the cheapest days, you’ll want to check out the price calendar. Typically, periods of least demand — those with the lowest ticket prices — also coincide with the lowest cash prices for flights and hotels.

You may also want to consider using points and miles to keep costs down. Several chain hotels are within walking distance of Disneyland, including Hilton, Hyatt, Marriott and IHG, which makes redeeming your points easy.

Disneyland is near six airports in Southern California, making it easier to find flights on all major airlines. With so many options, it shouldn’t be difficult to find a way to redeem your miles.

For adults

Disneyland isn’t just for children. Though many of its attractions are meant to appeal to little ones, Disneyland also has adult-oriented activities. Disney California Adventure is a great example, with refined eateries and plenty of different drinks to sample.

The park also offers a rotating selection of festivals throughout the year, featuring pop-up pavilions. These pavilions provide limited-time food and drink offerings and are popular with adult parties.

Disneyland also offers nighttime events that are great for adults, including Sweethearts’ Nite, Throwback Nite, Pride Nite and Star Wars Nite.

The best time to visit Disneyland, recapped

The best time to visit Disneyland will depend on whom you’re traveling with, your preferred travel style and your budget. After all, you’re not going to be looking for the same entertainment options with your adult friends as you would if you’re traveling with your children.

No matter when you decide to travel to Disneyland, you’ll be in good company. Just don’t forget to grab yourself a churro.

(Top photo courtesy of Disneyland Resort)

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:

Source: nerdwallet.com

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A New Jersey-based company has launched an incentive-based program to address the risk of strategic default, which is surely on the rise as a result of sinking home values.

Loan Value Group, LLC‘s “Responsible Homeowner Reward” (RH Reward) program creates incentives for homeowners to stay current on mortgage payments without changing the terms of the loan or reducing principal.

The firm’s proprietary model evaluates borrowers and singles out those most at risk of strategic default, using metrics like income, geography, and amount of negative equity.

“The desired outcome for all parties is to create an incentive for the borrower that positively influences behavior, at a cost to the risk owner that is far cheaper than every other option, including delinquency, sale of the note, or default,” the release said.

Loan Value Group believes the program has a number of advantage over traditional loss mitigation strategies like loan modifications.

Specifically, the company believes it can enroll borrowers in a number of days versus months, at a much lower cost, and if they happen to re-default, they won’t receive the reward, so there’s less downside risk.

That’s pretty important, considering the near-50 percent re-default rate on many industry loan modifications.

“The mortgage is not being restructured and accordingly does not have to go through the many legal and administrative hurdles experienced in a normal modification,” the company added.

The big question is how large the reward will need to be to entice the homeowner to stick around, especially if they’re deeply underwater.

That reward will vary based on a number of factors, with the most at risk of strategic default probably receiving the most lucrative offer.

The company has already signed on “one of the largest investors in consumer and mortgage debt in the U.S.,” who has purchased and sold more than $5 billion in debt since 2008.

Source: thetruthaboutmortgage.com

Apache is functioning normally

From extravagant vessels offering round-the-clock butler service and culinary delights, to intimate boutique lines providing a serene ambiance and laid-back luxury, cruise ship options are diverse. Whether you prefer elegant attire or a casual approach, one thing is constant: exceptional levels of personalized service. The intuitive crew members can anticipate your every need, address you by name, and effortlessly prepare your preferred beverage. In this article, we’re exploring the most noteworthy cruise experiences.

1. Queen Mary 2

Photo Credit: Shutterstock.

The Queen Mary 2 is known for its iconic elegance and refined luxury. This legendary vessel is revered as the epitome of grandeur, and it was meticulously designed for the transatlantic crossings between New York and Southampton. From the moment you set foot on board, you will be enveloped in an atmosphere of sophistication, with black tie nights, ballroom dancing and exquisite dining. Prepare to be dazzled by the renowned White Star Service, which sets an unparalleled standard. If you’re inclined to go beyond relaxation into learning, the Queen Mary 2 offers a world of knowledge through captivating lectures delivered by artists, historians, sommeliers, and other experts.

2. Harmony of the Seas

Photo Credit: Shutterstock.

The Harmony of the Seas cruise ship offers an extraordinary adventure with its unmatched luxury, thrilling activities, and captivating entertainment. Indulge in exquisite dining, pamper yourself in luxurious spas, and engage in exciting experiences like water slides and rock climbing. Enjoy Broadway-style shows, vibrant nightclubs, and a glamorous casino. This remarkable ship promises an unforgettable journey, blending opulence, top-notch service, and limitless entertainment.

3. Disney Dream

Photo Credit: Shutterstock.

The Disney Dream cruise ship offers a magical experience for guests of all ages. With beloved Disney characters, Broadway-style shows, and a variety of themed dining options, there is something to delight everyone. Relax at luxurious spa facilities, enjoy thrilling water slides, and let children explore exclusive play areas. Deck parties, fireworks, and vibrant nightclubs bring the ship to life at night. Immerse yourself in the enchantment of Disney and create lasting memories on this extraordinary cruise ship.

4. Norwegian Encore

Photo Credit: Shutterstock.

The Norwegian Encore cruise ship offers a remarkable vacation experience with its array of activities, dining options, and entertainment. From thrilling water slides to serene spa retreats, there’s something for everyone. Enjoy gourmet dining, Broadway-caliber shows, and live music performances. Families can delight in dedicated spaces for children and teenagers. Indulge in relaxation at luxurious spa facilities or bask by the pool. With exceptional service and stylish accommodations, the Norwegian Encore promises an unforgettable cruise adventure for all.

5. Royal Caribbean Spectrum

Photo Credit: Shutterstock.

The Royal Caribbean Spectrum cruise ship offers a remarkable voyage filled with luxury, entertainment, and diverse experiences. With thrilling activities like water slides and rock climbing, a wide range of dining options, and captivating entertainment including Broadway-style shows, there’s something for everyone. Families will enjoy dedicated spaces for children and teenagers, while those seeking relaxation can indulge in luxurious spa facilities. The Spectrum promises an unforgettable cruise experience with exceptional service and innovative features.

6. Seabourn Odyssey

Photo Credit: Shutterstock.

Seabourn Odyssey is a luxurious and elegant cruise ship known for its impeccable standards of accommodation and cuisine. With renowned dining options like The Grill by Thomas Keller and a romantic open-air dining venue at night, guests can indulge in exceptional culinary experiences. Seabourn Square serves as a convenient and inviting space for gathering, offering concierge services, a library, and delightful snacks. The ship’s sophisticated atmosphere caters to adults, providing a refined and upscale experience. While it’s not ideal for young children, Seabourn Odyssey’s attentive service and focus on luxury ensure a memorable and indulgent journey for travelers.

7. Sky Princess

Photo Credit: Shutterstock.

The Sky Princess cruise ship stands as one of the most luxurious vessels in the world, offering an unparalleled level of opulence and elegance. With its exceptional accommodations, top-tier amenities, and impeccable service, it creates a setting of ultimate luxury for its guests. From lavish staterooms to gourmet dining options, the ship exudes a sense of grandeur and sophistication. The Sky Princess features exquisite design and attention to detail, and it is truly a symbol of refined luxury in the world of cruising.

8. Silver Muse

Photo Credit: Shutterstock.

The Silver Muse cruise ship is the epitome of luxury and elegance. With personalized butler service, a variety of dining venues, and all-inclusive pricing, it provides a seamless and opulent journey. The ship’s stunning design features Italian marble, polished wood, and luxurious leather, creating an atmosphere of refined beauty. The teak pool deck, boasting one of the largest swimming pools at sea, offers a serene retreat. A standout feature is the intimate supper club, Silver Note, where live music sets the stage for an enchanting evening. The Silver Muse is bastion of exceptional luxury in the world of cruising.

9. Oasis of the Seas

Photo Credit: Shutterstock.

The Oasis of the Seas is renowned as one of the most luxurious cruise ships in the world. With its impressive size, lavish amenities, and exceptional service, it offers a truly extraordinary experience. From its breathtaking central park and vibrant Boardwalk to its diverse dining options and world-class entertainment, every aspect of the ship exudes opulence. Guests can indulge in a wide range of activities, relax in luxurious accommodations, and enjoy top-tier service throughout their voyage. The Oasis of the Seas sets a new standard for luxury cruising, providing an unforgettable journey filled with grandeur and sophistication.

10. The Royal Clipper

Photo Credit: Shutterstock.

The Royal Clipper is a stunning square-rigged ship, carrying just 227 adventurous sailors on unforgettable Caribbean voyages. With its three pools, sun-warmed teak decks, elegant restaurant, and alfresco bar, it offers the perfect blend of romance and modern comforts. This magnificent ship, propelled by billowing sails, exudes character with its Edwardian touches and polished brass accents. The four decks are accessed by stairs, so you can enjoy gentle exercise while you navigate this delightful cruise. The Royal Clipper provides a unique and enchanting sailing experience for those seeking adventure on the open seas.

The world of luxury cruise ships offers a wide range of experiences catering to different preferences and desires. From timeless elegance on Queen Mary 2 to thrilling activities and entertainment on Harmony of the Seas, each ship has its unique appeal. Whichever ship you choose, these luxurious cruise experiences promise unforgettable journeys with exquisite accommodations, fine dining, and world-class entertainment.

These are 10 Things That Completely Destroyed The Love in a Relationship

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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.



About the Author



Dan Williams



Source: financequickfix.com

Apache is functioning normally

From extravagant vessels offering round-the-clock butler service and culinary delights, to intimate boutique lines providing a serene ambiance and laid-back luxury, cruise ship options are diverse. Whether you prefer elegant attire or a casual approach, one thing is constant: exceptional levels of personalized service. The intuitive crew members can anticipate your every need, address you by name, and effortlessly prepare your preferred beverage. In this article, we’re exploring the most noteworthy cruise experiences.

1. Queen Mary 2

Photo Credit: Shutterstock.

The Queen Mary 2 is known for its iconic elegance and refined luxury. This legendary vessel is revered as the epitome of grandeur, and it was meticulously designed for the transatlantic crossings between New York and Southampton. From the moment you set foot on board, you will be enveloped in an atmosphere of sophistication, with black tie nights, ballroom dancing and exquisite dining. Prepare to be dazzled by the renowned White Star Service, which sets an unparalleled standard. If you’re inclined to go beyond relaxation into learning, the Queen Mary 2 offers a world of knowledge through captivating lectures delivered by artists, historians, sommeliers, and other experts.

2. Harmony of the Seas

Photo Credit: Shutterstock.

The Harmony of the Seas cruise ship offers an extraordinary adventure with its unmatched luxury, thrilling activities, and captivating entertainment. Indulge in exquisite dining, pamper yourself in luxurious spas, and engage in exciting experiences like water slides and rock climbing. Enjoy Broadway-style shows, vibrant nightclubs, and a glamorous casino. This remarkable ship promises an unforgettable journey, blending opulence, top-notch service, and limitless entertainment.

3. Disney Dream

Photo Credit: Shutterstock.

The Disney Dream cruise ship offers a magical experience for guests of all ages. With beloved Disney characters, Broadway-style shows, and a variety of themed dining options, there is something to delight everyone. Relax at luxurious spa facilities, enjoy thrilling water slides, and let children explore exclusive play areas. Deck parties, fireworks, and vibrant nightclubs bring the ship to life at night. Immerse yourself in the enchantment of Disney and create lasting memories on this extraordinary cruise ship.

4. Norwegian Encore

Photo Credit: Shutterstock.

The Norwegian Encore cruise ship offers a remarkable vacation experience with its array of activities, dining options, and entertainment. From thrilling water slides to serene spa retreats, there’s something for everyone. Enjoy gourmet dining, Broadway-caliber shows, and live music performances. Families can delight in dedicated spaces for children and teenagers. Indulge in relaxation at luxurious spa facilities or bask by the pool. With exceptional service and stylish accommodations, the Norwegian Encore promises an unforgettable cruise adventure for all.

5. Royal Caribbean Spectrum

Photo Credit: Shutterstock.

The Royal Caribbean Spectrum cruise ship offers a remarkable voyage filled with luxury, entertainment, and diverse experiences. With thrilling activities like water slides and rock climbing, a wide range of dining options, and captivating entertainment including Broadway-style shows, there’s something for everyone. Families will enjoy dedicated spaces for children and teenagers, while those seeking relaxation can indulge in luxurious spa facilities. The Spectrum promises an unforgettable cruise experience with exceptional service and innovative features.

6. Seabourn Odyssey

Photo Credit: Shutterstock.

Seabourn Odyssey is a luxurious and elegant cruise ship known for its impeccable standards of accommodation and cuisine. With renowned dining options like The Grill by Thomas Keller and a romantic open-air dining venue at night, guests can indulge in exceptional culinary experiences. Seabourn Square serves as a convenient and inviting space for gathering, offering concierge services, a library, and delightful snacks. The ship’s sophisticated atmosphere caters to adults, providing a refined and upscale experience. While it’s not ideal for young children, Seabourn Odyssey’s attentive service and focus on luxury ensure a memorable and indulgent journey for travelers.

7. Sky Princess

Photo Credit: Shutterstock.

The Sky Princess cruise ship stands as one of the most luxurious vessels in the world, offering an unparalleled level of opulence and elegance. With its exceptional accommodations, top-tier amenities, and impeccable service, it creates a setting of ultimate luxury for its guests. From lavish staterooms to gourmet dining options, the ship exudes a sense of grandeur and sophistication. The Sky Princess features exquisite design and attention to detail, and it is truly a symbol of refined luxury in the world of cruising.

8. Silver Muse

Photo Credit: Shutterstock.

The Silver Muse cruise ship is the epitome of luxury and elegance. With personalized butler service, a variety of dining venues, and all-inclusive pricing, it provides a seamless and opulent journey. The ship’s stunning design features Italian marble, polished wood, and luxurious leather, creating an atmosphere of refined beauty. The teak pool deck, boasting one of the largest swimming pools at sea, offers a serene retreat. A standout feature is the intimate supper club, Silver Note, where live music sets the stage for an enchanting evening. The Silver Muse is bastion of exceptional luxury in the world of cruising.

9. Oasis of the Seas

Photo Credit: Shutterstock.

The Oasis of the Seas is renowned as one of the most luxurious cruise ships in the world. With its impressive size, lavish amenities, and exceptional service, it offers a truly extraordinary experience. From its breathtaking central park and vibrant Boardwalk to its diverse dining options and world-class entertainment, every aspect of the ship exudes opulence. Guests can indulge in a wide range of activities, relax in luxurious accommodations, and enjoy top-tier service throughout their voyage. The Oasis of the Seas sets a new standard for luxury cruising, providing an unforgettable journey filled with grandeur and sophistication.

10. The Royal Clipper

Photo Credit: Shutterstock.

The Royal Clipper is a stunning square-rigged ship, carrying just 227 adventurous sailors on unforgettable Caribbean voyages. With its three pools, sun-warmed teak decks, elegant restaurant, and alfresco bar, it offers the perfect blend of romance and modern comforts. This magnificent ship, propelled by billowing sails, exudes character with its Edwardian touches and polished brass accents. The four decks are accessed by stairs, so you can enjoy gentle exercise while you navigate this delightful cruise. The Royal Clipper provides a unique and enchanting sailing experience for those seeking adventure on the open seas.

The world of luxury cruise ships offers a wide range of experiences catering to different preferences and desires. From timeless elegance on Queen Mary 2 to thrilling activities and entertainment on Harmony of the Seas, each ship has its unique appeal. Whichever ship you choose, these luxurious cruise experiences promise unforgettable journeys with exquisite accommodations, fine dining, and world-class entertainment.

These are 10 Things That Completely Destroyed The Love in a Relationship

Photo Credit: Shutterstock.

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!

10 Actors and Actresses People Refuse to Watch Ever Again

Photo Credit: Shutterstock.

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!

Top 10 Worst Human Inventions of All Time

Photo Credit: Shutterstock.

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.

10 Famous Celebrities Who Look Like They Smell Terrible

Photo Credit: Shutterstock.

We’ve all had moments of hygiene faux pas—but these celebrities just look like they don’t take care of themselves at all.

10 Terrible Fads People Are Glad Died Out

Photo Credit: Shutterstock.

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.



About the Author



Dan Williams



Source: financequickfix.com

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A former high-ranking employee at nonbank The Change Company CDFI (TCC) filed a lawsuit in California accusing the company of retaliation after he notified executives of employees “mischaracterizing loans” to apparently skirt federal reporting requirements. 

The lawsuit, filed in Orange County, alleges that Adam Levine, the chief of staff to CEO Steven Sugarman, began reporting illegal activity by the company’s employees in February 2023 to Sugarman and other executives and board members. 

However, rather than investigating the complaints, the company’s leadership terminated Levine, he claims. 

A representative for The Change Company and Levine’s attorneys did not return requests for comment.

Levine, who was an assistant White House Press Secretary under President George W. Bush and a vice president at Goldman Sachs before starting at the lender in 2021, listed several alleged violations related to lending practices. 

The list includes potential irregularities regarding the Community Development Financial Institutions (CDFI) regulations, specifically a rule requiring lenders to provide annual documentation attesting that 60% of their loans go to the target markets certified by the U.S. Department of Treasury. 

“Plaintiff has documented that TCC falsifies information on its annual certification by mischaracterizing its loans. This includes mischaracterizing the race, ethnicity, and income level of borrowers,” attorneys for Levine wrote in the lawsuit. 

The lender claims that since becoming a CDFI in 2018, it has funded over $25 billion in loans to more than 75,000 families. 

The lawsuit cites potential securities fraud when investors are induced to purchase the lender’s loans in the secondary market based on the false representations on the borrowers’ profiles. Investors looking to support low-income families would not purchase the lender’s loans if they knew they were provided to wealthy individuals or celebrities, the lawsuit states.  

In its seventh securitization on June 14, The Change Company attracted 16 investors to a $306 million offering, including money managers, banks, insurance companies, and private funds. The loans in the pool had a weighted average FICO of 740, LVT of 71.1%, 43 months of reserves, and an 8.72% note rate, the lender said. 

Other allegations made by Levine include after-hours parties at the lender’s premises and recordings of private conversations at the company’s Pacific Palisades office. The accusations include Steven Sugarman and his older brother, Jason Sugarman, who founded The Change Company. 

Levine claims Steven Sugarman tried to block a lawsuit when he instructed the plaintiff to leak confidential documents to a journalist doing a profile on short-seller Carson Block, with whom Sugarman has civil litigation.  

Meanwhile, Jason Sugarman potentially violated Securities and Exchange Commission (SEC) orders by associating with the securities industry – which he has been prohibited from since February based on a consent judgment regarding a scheme to defraud Native American pension funds, the lawsuit contends.

“In light of Jason Sugarman’s known work at TCC, Plaintiff strongly encouraged Steven Sugarman to appoint an outside law firm to certify to regulators, investors, shareholders, and other stakeholders that Jason Sugarman had no material business relationship with TCC,” the lawsuit states. “Steven Sugarman refused to do so and retaliated against Plaintiff by stating that Plaintiff’s business dealings should be investigated.” 

Levine claims he brought his concerns to the appropriate regulatory authority on March 5 and his attorney informed the company the following day. The plaintiff claims he was terminated weeks later without bonus wages and equity compensation that he was “rightfully owned.”  

Source: housingwire.com