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What Is a Financial Checkup?
Scheduling annual visits with your doctor is important for maintaining good physical health. Likewise, planning a financial checkup can be a great opportunity to assess your money health. Financial wellness means ensuring that you have enough money to meet your obligations today while also being able to fund your goals for tomorrow. Regular financial checkups […]
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Complete Guide to Home and Auto Loans for Those With Disabilities
Table of Contents Government Definition of a Disability Financing Home Ownership for Those With Disabilities How to Apply for a Mortgage Loan Tips for Auto Loans for Individuals with Disabilities Additional Resources Having a disability means certain things could be more difficult, but that doesnât mean financing a home and car has to be. As
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How to Buy Gold: A Guide for Beginners
When you think of gold, what comes to mind? Eighteen-karat gold jewelry? Gold bricks stacked high in a vault? Sacks of gold coins used for bartering or paying tax collectors in Robin Hood’s days? Or a sensible part of a modern investor’s asset allocation strategy? Although global economies do not depend upon gold in the […]The three primary ways to invest in gold are to buy physical gold bullion, gold futures, or gold stocks and ETFs. What are the pros and cons?
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Laurel Road: Truly Digital Mortgages Built Entirely Online
Another Millennial or even Gen-Z focused mortgage lender has come online, literally, to offer you a mortgage. Iâm talking about Laurel Road, which sounds like a really neat place to get a home loan. They claim to âoffer an end-to-end digital experience,â meaning you can go through the entire home loan process without leaving your… Read More »Laurel Road: Truly Digital Mortgages Built Entirely Online
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What Is Greenwashing?
Greenwashing is when a company markets itself as more environmentally friendly than it actually is. Also known as âgreen sheen,â this tactic is used to attract consumers who prefer products with high environmental standards. The term greenwashing is taken from whitewashing, which is when a company or individual conceals its wrongdoings by presenting a cleaned-up […]
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Franklin American Mortgage Review
Franklin American Mortgage Company was established in 1994 as a small mortgage lender with a single office in Brentwood, Tennessee. Within one year of its founding, Franklin American had expanded its reach to residents in Texas and continued to grow until it was acquired by Citizens Bank in 2018. Although the merger with its parent […]
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Best Game Apps that Pay Real Money
Youâve probably heard of sites where you can play games for gift cards and cash. It sounds ideal, but how do you know which ones are legit?Youâve probably heard of sites where you can play games for gift cards and cash. It sounds ideal, but how do you know which ones are legit?
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What You Should Know About Student Loans
Student loan repayment is one of the most complex and multifaceted personal finance topics. There are so many different options, pitfalls and considerations to keep track of, that thereâs really no âone size fits allâ approach. Whatâs worse, borrowers are expected to start tackling their loans as soon as they leave college.
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Black Knight Sees Home Price Gains Turning Negative Soon
Black Knightâs Mortgage Monitor for December highlights a continuation of recent home price declines, an overview of current loan performances, rate lock activity, and buyer use of buydowns. December saw the sixth straight monthly decline in Black Knightâs Home Price Index (HPI). The seasonally adjusted index fell 0.45 percent from November , roughly on par with the 0.48 percent average decline over those six months. The unadjusted index was down 0.87 percent. Decemberâs decline pushed the annual home price growth rate down to 5.0 percent — only 0.4 percent above its 30-year average â and the slowest home price growth rate since June 2020, near the start of the pandemic. However, if recent monthly changes are annualized, they would represent a 3.8 to 7.7 percent decline which may offer insight into where we could be headed in coming months. If the current pattern persists, the company estimates we will see the annual home price growth rate turn negative within the next three months. As always, there are substantial differences in markets. Fourteen of the 50 largest have seen declines of 6 percent or more from the 2022 peaks, with San Francisco, San Jose, Seattle, and Phoenix all falling more than 10 percent on an SA basis while one in five markets have fallen 10 percent or more on an NSA basis. Four markets, Kansas City, Indianapolis, Virginia Beach, and Louisville continue to see SA prices rise. Declining home prices, of course, mean a loss of homeowner equity and Black Knight estimates it has fallen by $2.3 trillion or 13 percent over the last two quarters . Tappable equity, the share available to borrow while still maintaining a 20 percent cushion â fell by $1.8 trillion over that span. This is an annual change of -1 percent, marking the first decline in equity available to lend against since 2012. West Coast markets are exacerbating the issue. Los Angeles, San Francisco, San Jose, and Seattle account for nearly one-third of the overall national decline over the past two quarters.