The average rate on 30-year loans hit 5.11% last week — that’s 200 basis points (2%) higher than at the start of 2022 and the highest rate in over a decade.
Though the jump has made refinancing a costly choice for some homeowners, many — believe it or not — still stand to gain from today’s interest rates.
It’s true: According to data firm Black Knight, about 1.15 million homeowners could still shave a good amount off their monthly payment by refinancing today (and about 160,000 could save serious cash). This is particularly true for VA eligible borrowers who can access VA rates, which are typically lower than the rates available to conventional or FHA borrowers.
Did you put off refinancing your mortgage loan? Here’s what to know about refinancing at today’s rates.
Click here to see whether you could save with a VA refinance (Apr 26th, 2023)
1 million-plus homeowners can still save $300 per month
Black Knight’s data shows that around 1.15 million homeowners could refinance at 5.11% and still reduce their current interest rate by at least 75 basis points.
That translates to around $316 in monthly savings per borrower, around $358 million in national aggregate monthly savings, and nearly $4,000 in annual savings per loan.
Just under 160,000 borrowers could save $500 or more per month — or around $6,000 annually.
Should you refinance at today’s rates?
Because refinancing comes with closing costs (not to mention a little hassle), most experts recommend only refinancing if you can reduce your rate by at least 75 basis points. To achieve this at an average rate of 5.11%, you’d need to have a current rate of 5.76% or higher.
Rates of that caliber haven’t been seen since late 2008, so if you haven’t refinanced your loan since that point, it might be worth considering a refinance.
You should also take into account your credit score and loan-to-value ratio — or how much mortgage debt you have compared to your home’s value. Black Knight’s data only looks at prime borrowing candidates — those with an LTV of 80% or less and credit scores of 720 or higher.
If you don’t meet these descriptions, the above data won’t include you — though it’s entirely possible you could still benefit from a refinance. You’d likely see a smaller rate reduction, but if you’re struggling to make payments or you need to free up monthly cash flow, refinancing could be a meaningful financial move.
It’s also important to remember that refinancing doesn’t just help you reduce your rate. You can also refinance into a longer-term loan, which lowers your monthly payments, or you could switch loan types (to remove mortgage insurance, for example). Both of these options come with financial benefits as well.
What does this mean for VA-eligible borrowers?
When compared to other loan types — conventional and FHA, for example — VA home loans offer consistently lower rates than those available for the average consumer.
If you’re VA eligible but do not currently have a VA loan, you may be able to reduce your current mortgage interest rate by an even greater margin.
[copy VA rate chart from this page: https://www.militaryvaloan.com/blog/current-va-refinance-rates/]
Here’s a more in-depth explanation of whether a VA refinance can help you save.
What now?
Every situation is different, but if you want to reduce your rate or monthly payment, reach out to a mortgage professional and get a quote ASAP.
With another Federal Reserve meeting on the books for next week, it’s likely mortgage rates will rise in the near term. It’s important to lock in your rate soon to ensure maximum savings.
Click here to see whether you could save with a VA refinance (Apr 26th, 2023)
From restaurants like Denny’s to Holiday Inns to county fairs, someone is frequently offering the chance to bring the little ones along without paying for them. So it’s only natural to ask: Are there kids-fly-free airlines?
For children too old to spend the whole flight in your lap, the short answer is no.
But which airline has the cheapest child fares? That would be Frontier Airlines. The airline boasts a Kids Fly Free program, but these deals are only available to people who pay for annual Discount Den memberships.
Are there other discounted kids’ fares? You won’t find a lot of those, either. After all, a plane seat has the same value to the airline no matter the age of the passenger sitting in it.
But if you have very little little ones, if you fly Frontier a lot or if you can find an applicable kids-fly-free promotion, you just might get your kids on the plane at a significant discount.
On which airlines do kids fly free?
Only Frontier Airlines offers an ongoing program where kids can fly free (more on that later).
However, if you fly Southwest Airlines with regularity and have earned a Companion Pass, your child can accompany you as your companion on a flight for only taxes and fees, which start at $5.60 one-way. Pass holders can change their companion up to three times per calendar year, and if your child is age 6 or younger, you can also take advantage of family boarding perks.
Lap infants
Most major airlines will let babies on board for free, provided they don’t take up a seat. American Airlines, for example, has a pretty standard policy: Kids under 2 years old can travel free on the lap of an accompanying passenger age 16 or older on domestic flights.
United Airlines, Delta Air Lines, Southwest Airlines and many others have similar policies for domestic flights, with a cutoff age of 2 years old.
On international flights, there is no fare for lap infants, but fees may apply.
In most cases, you’ll need to add the infant to the adult’s ticket. You can typically find instructions for this on the airline’s website. For example, here are Delta’s instructions for adding a lap infant to your ticket.
Special promotions
Sometimes airlines run kids-fly-free promotions, though this usually doesn’t happen with the big domestic carriers that will take you anywhere you might want to go. Still, if one of the smaller airlines serves your destination, a kids-fly-free promotion could save you money.
For example, Air Tahiti Nui has a special offer that includes two fare-free seats for kids when two adults pay the full fare. Taxes and fees apply to all four travelers, though, so for each child, the cost can be up to $138. And this only works if both kids are age 11 or younger and the whole crew is flying to Tahiti from either Los Angeles or Seattle.
Scandinavian Airlines discounts fares on some flights for kids ages 2 to 11. But the deal usually doesn’t take more than 25% off their airfare. From time to time, deal-spotting travel bloggers announce kids-fly-free promotions from American Airlines, British Airways, Etihad and others, but these are rare and short-lived promotions.
Frontier’s Kids Fly Free program
If you fly Frontier Airlines regularly, their Kids Fly Free program just might work out for you.
The program is part of the airline’s Discount Den, which costs $60 per year plus a $40 enrollment fee the first year. Members then get access to discounted fares, plus the Kids Fly Free program and other perks.
So if you fly enough, Discount Den membership could eventually pay for itself.
But there’s one more hurdle to clear for your child to fly free: The flight you want to book must be Kids Fly Free eligible, and there’s no way to know which itineraries offer these fares until you search for flights.
For example, we searched Frontier’s website for a flight from Atlanta to Austin, Texas, for one adult and one 5-year-old child departing April 23, 2023. There were no Kids Fly Free fares on that date, but there was one two days later on April 25, meaning we could grab the deal if we flew on that date instead.
The child must be age 14 or younger and must travel with an adult flying on a Discount Den fare.
Up to nine passengers are allowed on a single Discount Den itinerary. One of the adults must be a Discount Den member. If one parent is a member and one isn’t, each parent can still bring along a child for free on eligible flights.
Mileage awards
If you collect airline or credit card miles or points, you can redeem them for flights for your little ones or yourself. It’s not a kids-fly-free deal per se, but these award flights are a way to get your kids in the air for just some nominal fees and taxes.
Do kids fly free? No, here’s what to do instead
Airlines don’t like to give away seats, so it’s rare to find one that will let children over age 2 fly for free.
Instead of looking for kids’ deals, focus on strategies that let everyone in your party fly frugally — award fares, flying off-peak and deal-hunting.
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:
Dollar Bank is a regional bank with over 60 offices in three U.S. states. Founded in 1855 as “Pittsburgh Dollar Savings Institution,” it didn’t shorten its name to Dollar Bank until 1986.
At this time, they began offering an increased amount of services, including credit cards, lines of credit, and term loans. As of March 2016, Dollar Bank is the largest independent mutual bank in the U.S.
Key Points of Dollar Bank
Founded in 1855, but did not become a lender until 1986
Currently the largest independent mutual bank in the U.S. as of early 2016
Offers a variety of mortgage products, from traditional fixed-rate loans to no closing cost refinance loans
A large variety of educational resources to help borrowers in the process of taking out a mortgage, as well as refinancing and buying a home
Only have 12 complaints on the Better Business Bureau site, despite being established since 1855
Bank’s headquarters is a Pittsburgh landmark and is on the U.S. Register of Historic Places
Overall Review of Dollar Bank
Even though Dollar Bank is only available in three U.S. states, it offers a wide variety of financial services to its customers. It has served primarily as a bank for over 150 years, but it has grown in recognition in the mortgage lender and credit industries.
Dollar Bank offers plenty of different types of mortgage lending products, such as fixed rate, adjustable rate, VA, and FHA loans. No matter what kind of loan is right for you, you can rest easy knowing that Dollar Bank’s customer support can help you at every stage of the borrowing process.
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Dollar Bank Loan Specifics
Dollar Bank’s mortgages are mostly comparable to other offerings in the industry. Their home loan options include:
Fixed Rate Loans
Fixed rate loans from Dollar Bank are meant for homebuyers who plan on living in the space for an extended period. These types of mortgages typically have higher initial interest rates than adjustable rate mortgages.
However, many buyers like the security of a fixed payment and interest rate, as it gives them a predictable number to budget. Dollar Bank offers fixed-rate loans in 30-year, 20-year, and 15-year increments of time, as well as in the form of Federal Housing Administration (FHA) loans.
Adjustable Rate Loans
Adjustable rate mortgages are best for homebuyers who plan on moving or refinancing in the next five or so years. These loans come with lower monthly principal and interest payments. It’s worth being aware of the fact that adjustable rate mortgages have a fixed rate for only a specific amount of years.
After that time, rates adjust with industry standards. Adjustable rate loans with Dollar Bank have a rate cap, which keeps the costs from rising too high. There are plenty of choices you can make when choosing what type of ARM you’d like, including:
7-year ARM
5-year ARM
3-year ARM
Construction mortgage
FHA 5-year ARM
VA Loans
The U.S. Department of Veterans’ Affairs helps veterans, current members of the U.S. Armed Forces, and their spouses get affordable mortgages. Qualified individuals may be able to get a loan worth 100 percent of the home’s purchase price.
However, this program has a maximum limit of $203,000 for no money down loans. If you choose not to put a down payment on the home, you will typically have a higher than average interest rate to make up for these costs.
CRA Loans
Dollar Bank offers plenty of mortgages through the Community Reinvestment Act. This option allows buyers to pay as little as 3 percent down on the home and even gives grants to first-time buyers. CRA mortgages make it easier to buy a house for qualifying homebuyers.
No Closing Cost Refinance Mortgages
With these loans, Dollar Bank will pay your closing costs, which can save you hundreds of dollars. You can qualify for terms up to 30 years with fixed rate security for 15, five, or three years.
Interest Only ARMs
Dollar Bank offers mortgages with much lower monthly payments than other types of loans, which puts more cash back into your hand. You can get a five-year or three-year interest only ARM with Dollar Bank.
Dollar Bank Mortgage Customer Experience
Dollar Bank operates in only three U.S. states but has plenty of online resources that allow potential borrowers to do some research before getting a mortgage. Dollar Bank makes it easy and convenient to find mortgage rates online with the following materials:
Mortgage calculators that help you estimate how much you would pay for certain types of loans to see how much you can afford on a home
Helpful videos that walk you through the mortgage process and answer any overarching questions you have about buying and refinancing a home
An online tool that allows you to get a free quote online after filling out a short form, without having to input your Social Security Number
A resource center with articles describing different types of loans, which can help you gain insight into the mortgage market as a whole and the benefits of working with Dollar Bank
If you are interested in a loan with Dollar Bank, you can fill out the online application or contact a mortgage sales representative directly over the phone.
Customer reviews on WalletHub and Bankrate seem to be mostly positive about Dollar Bank. However, these reviews do not only reflect the mortgage offerings.
Many reviews are about the banking and credit services the bank provides. J.D. Power does not include information for Dollar Bank on its Primary Mortgage Originator Rankings, and the CFPB does not have consumer complaint information for this bank.
Dollar Bank Lender Reputation
Dollar Bank has been around for about a century and a half, meaning it has garnered a plethora of both positive and negative reactions.
However, the bank has only offered mortgages for about 20 years, so it seems that a majority of its reputation comes from its other financial services.
The CFPB has never filed a complaint against Dollar Bank. The bank has 12 complaints on the BBB, although it is not currently accredited.
Dollar Bank Mortgage Qualifications
Qualification requirements for Dollar Bank are standard in comparison to other mortgage lenders. It does not mention their income requirements for borrowers or their credit score requirements. However, when applying for a mortgage with the bank, they request that borrowers have the following information available to see what they can afford:
Current monthly mortgage payment (if applicable)
Total annual income
Current monthly debt, excluding existing mortgage, insurance, and utility costs
An estimate of monthly insurance and tax costs for the new home
Income Requirements
Down Payment Requirements
Credit Score Requirements
None specified
0-20%, based on loan type
None specific; credit score will affect monthly costs
Homepage URL: https://www.dollar.bank/Personal • Company Phone: 1-800-828-5527 • Headquarters Address: 340 Fourth Ave, Pittsburgh, PA 15222
One of the advantages of apartment living is the community grill. It’s a great place to meet others while you’re cooking out. With football season well underway, grilling out is a favorite weekend pastime.
While you’re meeting new neighbors at the grill, you certainly don’t want to do anything to tarnish your reputation or become known as the “bad guy / girl at the grill” in your building.
Here are a few guidelines to common courtesy at your apartment community’s common grill.
Plan ahead
Reserve the grill and stick with the timeframe assigned to you. It’s rude to reserve the grill at 3 p.m. and then not show up until 3:15.
Don’t monopolize
If it’s a big game day and you know everyone will want to grill at the same time, perhaps you can offer to share the grill. If it’s not large enough to share, then be sure to limit the amount of food you’re grilling. This isn’t the time to grill a month’s worth of meals, or hog all the available counter space.
Clean up
As soon as you’re finished, start cleaning. Another person could be eager to use the grill and they certainly would appreciate a clean grill. Even if another person isn’t waiting, it is your responsibility to clean the grill for the next person.
Share the basics
If you see that someone needs a little something you have – seasoning, foil, charcoal – by all mean, offer it to them if you can spare it. This kindness goes a long way to making new friends or improving your reputation (and you may need the favor returned someday).
Related: Four essential grilling tips
Related: Barbecue like a pro
The grilling area in your apartments is an amenity that really boosts quality of life, while providing a way to meet your neighbors. Being kind and respectful at the grill is always a good idea.
Finding ways to save money takes a great deal of time. Matching up coupons with local sales, finding products online through advertisement, joining discount clubs, and discussing shopping tips with friends all consume time throughout the week. Here are a few tips to help you save money on your grocery bill.
Buy in Bulk
Buying in bulk can be misleading if you would not typically consume a large quantity of a product, but if you do use a lot of a product such as toilet paper, paper towels, shampoo, conditioner, coffee, or dry goods then it may be beneficial to buy in bulk. Bulk prices are comparable to many sale prices and buying direct can save even more. The biggest savings will come with time. If you plan to shop for these items you use continuously throughout the month then buying enough to last 30 to 60 days will reduce the time and cost of shopping each week.
Many online stores offer better prices in bulk and shipping cost is minimal, often less than the cost of time and fuel you would spend to drive to the store on numerous occasions. One example is shopping online at Meijer. Meijer offers thousands of popular items for delivery and even provides sale items on a weekly basis. Promotions are offered to encourage special savings with online sales. Percent off discounts, free shipping promotions, and better pricing methods help to offset the cost of shipping if it is not free. Other stores offer online shopping as well such as Sam’s Club, Wal-mart, Albertsons (select locations), Peapod (select locations), and AULSuperstore.
Plan Ahead
Plan ahead if you are going to shop weekly or online. Just because you still have half a bottle of ketchup doesn’t mean you shouldn’t buy any this week. Plan to buy products in advance while they are on sale or when you have a coupon. This will reduce the need to run out for just a few items and it will also reduce your long-term cost of food. If you don’t have a large pantry area in your home or apartment you can purchase storage containers to fit under your bed, in your closet, or even a storage cabinet for your garage. Keeping items you have purchased in a safe location is key to keeping your items usable. Make sure canned foods are in a safe location where they will not get dented or rust and keep dry foods such as cereal and cake mixes in a temperature controlled area.
Rotate Your Stock
Working on a first-in first-out basis doesn’t always work. You have to keep track of the dates of your products so you are not purchasing items when they are less expensive and never using the items. Mixes such as for cakes, pancakes, and muffins typically have long shelf lives, but don’t get carried away and buy too many. If these products expire you may encounter mold growth that can be harmful if eaten by someone who is allergic.
When you are putting items in your pantry you need to bring the older items to the front and check the dates of the items in your cabinet. If you do this continuously then you will be aware of items with close expiration dates and you will also be able to tell if you need to purchase more or less of an item. You may find that an occasional item has found its way into your pantry 10 times and you only consume the product once or twice a year.
Keeping track of what you have and what you need will help to reduce the cost of your grocery bill by eliminating the unneeded items from your list. This money can be used for more necessary groceries.
Prepare your Produce
Getting plenty of fresh fruits and vegetables is essential for a healthy lifestyle, but buying produce once a week or once every two weeks can be difficult to maintain. If you purchase products requiring preparation such as washing, peeling, or slicing, then you should prepare those within a day of purchase. Wash lettuce and place in a lettuce crisper, rinse apples and place in the refrigerator, wash grapes and broccoli and store in air tight containers in the refrigerator, and slice peppers for their intended purpose (i.e. stir fry, etc.).
Preparing produce in advance will help you during the week when you are rushed to prepare breakfast, pack lunches, or make dinner. You can simply pull out the broccoli and toss in a wok with a little water or you can grab a bag of grapes to quickly add to your lunch. Having access to your fruits and veggies that are ready to be used will encourage you to consume them and waste less. The less food we waste the less of a cost our grocery bill will be.
Use Your Freezer For More Than Processed Foods
Often freezers are packed full of frozen, preprocessed, ready-to-microwave meals, but it can be used for more than that. Buying meat such as chicken, hamburger, and steak while it is on sale can greatly reduce your grocery bill. Meat is on sale frequently especially around the holidays. Take into consideration how many pounds your family will consume each week then determine the amount in 3 or 6 months. Purchase that amount of meat when the product is on sale and prepare it for freezing when you arrive home.
Hamburger and fish are often ready to use right out of the store package and can be frozen as is, but chicken and other poultry need to be rinsed well before you use it. To save time, and ultimately money, prepare your chicken within two days of purchase. Rinse the chicken in cold water, remove any fat or unwanted pieces and discard, cut up the chicken for different meals (chunks or strips for stir fry, breast for baking, tenderloin strips for grilling, etc.). Then you can freeze the meat using a FoodSaver Vacuum Sealing System.
According to product claims, the FoodSaver saves up to $2700 per year based on buying in bulk, buying on sale, and not wasting food. Once the chicken is frozen you can quickly grab a bag out of your freezer, thaw it in the microwave, and cook it for dinner. Steaks can also be processed this way. You can purchase a large cut of meat to divide up for several meals reducing your overall cost of food. Rotate your stock in the freezer and use older items first to reduce waste. Preparing the meat in advance will encourage you to eat at home more, waste less food, and save dinning out for more special occasions.
Saving money on your grocery bill seems more important than ever. With tighter budgets and higher food cost every little bit helps. Once you get into a rhythm of where and when to buy products you will see the cost of your grocery bill decrease and the time you spend on saving decrease. Saving will become second nature and soon enough you will have extra money at the end of the month.
By Peter Anderson19 Comments – The content of this website often contains affiliate links and I may be compensated if you buy through those links (at no cost to you!). Learn more about how we make money. Last edited February 10, 2020.
My wife and I have been using Netflix for many years now, and for the most part we love it.
When we started subscribing to Netflix we weren’t paying for any premium TV packages, but we still wanted to have plenty of entertainment options available to us. Netflix was a part of our reduced cost TV watching plan.
We’re both movie lovers, and if we have some down time, we love to just pop in a movie and watch. On average we will usually watch 1-2 movies a week. Or at least I think we do.
Within the past couple of weeks I’ve discovered a site (that apparently has been around for a while) that allows you to see if you’ve been getting the most out of your Netflix account. It tells you how much Netflix costs per movie – and will tell you just how many movies you’ve been watching. But before we get to that, let’s look at how Netflix is priced.
How Much Does Netflix Cost?
At our house we have found Netflix to be a great value, with all of it’s movie and TV watching options that it has available. They have a variety of packages that you can sign up for.
Depending upon which one you sign up for, you can get anything from limited 1-4 streams at a time on streaming only packages, or you can sign up separately for DVD packages that allow 1-2 DVD or Blu-ray out at a time. DVD and streaming plan prices current as of January 2019.
Netflix Streaming Plans
Basic – Streaming video only – 1 screen at a time: $8.99
Standard – Streaming video only – 2 screens at a time + HD: $12.99
Premium – Streaming video only – 4 screens at a time + Ultra HD: $15.99
Netflix DVD Plans
When it comes to DVD, it’s now split out from streaming, and they have two levels of service:
Standard – 1 DVD at a time: $7.99
Premier – 2 DVD at a time: $11.99
Standard – 1 HD Blu-ray at a time: $9.99
Premier – 2 HD Blu-ray at a time: $14.99
For us we found the best value to be the streaming video package that cost $8.99 While we wouldn’t mind doing the streaming only package for only $11.99 so that we could add an extra screen, we found that we really hardly ever watched Netflix on more than one screen at a time.
Something else to keep in mind – you can now get a 1 month free trial and try the service out for free!
Figuring Out Per Movie Cost For Netflix?
If you want to figure out if you’re getting the most out of your Netflix account, how can you figure out what kind of cost you’re paying for the rentals? As mentioned above I discovered a cool site called FeedFliks that will give you all kinds of statistics about your account – and help you to figure out if you’ve maximized your return on your monthly fee (or maybe if you’re watching too many movies and TV shows!).
UPDATE: Feedfliks is no longer available, the service shut down after Netflix closed down their API to third party developers.
To figure out what kind of a return you’re getting you just go to FeedFliks and link your Netflix account with their site. Once you’ve logged in they’ll pull all of your DVD and streaming video watching habits, and give you some numbers that you can use to calculate your return. Above are some of the graphs that we were shown once we signed in. Among the things we found based on our last 6 months of viewing behavior:
We watch on average 7.6 movies per month.
Our cost based on the DVDs we’ve watched is $3.17 per DVD.
When instant watch streaming is taken into account, we’re paying $1.17 per movie.
We’re still paying more per movie than 81% of people who use FeedFliks – so there’s room for improvement.
We’re keeping each Netflix movie for quite a long time – 9 days. We may want to try and watch those DVDs faster.
Based upon your viewing behavior, FeedFliks will also give you recommendations on how to improve your return on your entertainment dollars – and tell you where you’re doing well already.
It will tell you if you’re holding onto your movies longer than other users.
Tell you if movies in your DVD queue are available for instant watching.
Tell you if movies in your instant watch queue are expiring.
You can sign up for alerts to remind you to watch or return DVD movies.
FeedFliks also has a premium service for $8.99/year that will allow you to do more with your account including sync with your Netflix account more often, manage your queues, get email and twitter alerts and more. For me I’m not going to sign up right now as I think I get enough information just by using the service every once in a while for free.
Put Your Netflix Membership On Hold
If you’ve found that maybe you’re not currently getting the most out of your Netflix account (perhaps you’re busy – or going on vacation), you can suspend your Netflix account for 7 to 90 days at a time. Just go to [Main Page->Your Account -> Put membership on hold].
There are no charges for the time your membership is on hold. You have to return the movies you have and you can’t watch online/streaming, but everything else is the same – and you can save some money if you know you wont’ be watching much. Something to consider.
Other Video Streaming Sites To Think About
There are a ton of other streaming video services to consider besides Netflix. With many you might even get a better value for your hard earned cash.
Some of the others may be more of a replacement for your cable TV package, but at a lower price than cable (they’ll cost more than Netflix).
Amazon Video On Demand – $119.00/yr: Amazon has a video streaming service and it’s free for all Amazon Prime members. So if you’re already a member of Amazon Prime’s unlimited free or reduced price shipping on the site, you’ll get the video streaming service for free. The cost? $119/year for Amazon Prime, and the video streaming service is free. Consider pairing their streaming service with the Playon setup I’ve written about before. (Note: Free student and Amazon Mom Prime accounts do not get free streaming)
Redbox Kiosks & On Demand – $1.75-$2/rental: Redbox offers kiosks in various retail locations where you can rent movies for only $1.75-$2 a night. We love Redbox, and when we want to get a movie right away, we usually head to the Redbox at the corner gas station. Redbox also now has an on demand option where you can rent and purchase movies online for $3.99-4.99 for a rental. It’s still relatively new, but worth a try.
Philo – $16.00/month: Philo is quickly becoming the go to option for people who don’t want to pay a lot and don’t care about sports (they don’t carry sports networks, making it cheaper). They are only $16/month for their basic package, with 40 channels from Discovery, TLC and History to HGTV. Add 9 more channels for only $20! Read the full Philo review here.
Sling TV – $25/month: Sling TV is an online streaming TV offering from Dish Network that costs only $25/month and gives you premium live TV channels from the likes of ESPN, AMC (The Walking Dead anyone?), HGTV, CNN, Cartoon Network, Disney and more. For a limited time you can also get $50 off of a Roku Ultra or AirTV Player, or receive a free Roku Stick with 2 months prepaid! This is one of the few ways you’re going to get ESPN or some of these other channels without paying for cable! They also now have a cloud DVR! Ready my full Sling TV Review here.
AT&T TV Now– $40.00/month: Just launched at the end of 2016, this service is similar to Sling and Vue, and gives you 100+ channels for $40/mo for a limited time. You can also add on HBO or Cinemax for $5/month!
Fubo TV – $34.99/month: Fubo TV is a relatively new streaming service that has a ton of live TV stations, and specializes in sports content – including a lot of soccer. They currently advertise 73 channels of content, starting at $19.99/month for 2 months, then back to the regular $34.99 price. Read a full FuboTV review here.
YouTube TV – $40.00/month: YouTube launched their own live TV service that starts at $40/month and includes sports channels, and live local channels in many markets. 7 day free trial is available.
HBO Now – $14.99/month: HBO programming has only been available via a cable TV package for the longest time. Since 2015 HBO Now has provided HBO programming outside of a cable package. If you’re a fan of certain HBO shows this makes cutting the cord much more possible.
Hulu.com – $7.99/month: If you want to get TV shows and movies that you may not have been taped over-the-air, you can usually find them here the day after they air on TV. They also have a free version, although that version only allows viewing on a computer web browser, usually for a limited number of episodes per series.
Google Play Store: My wife and I tend to rent first run movies here and there from the Google Play store because it’s easy and convenient to stream the movies from our tablets to the Google Chromecast. If we’re getting a first run movie, however, we usually go to the Redbox for their $1 rentals.
CBS All Access – $5.99/month: CBS doesn’t allow streaming of their shows through some of the other streaming services because they have their own over-the-top streaming service. They do have some good shows, however and are worth checking out.
Pluto TV – FREE: Pluto TV has an app for most streaming devices that allow you to watch a 100+ channels of free video entertainment from movies and music to TV shows. Pluto is the free TV streaming service.
Are You Getting Your Best Value?
So the question now is, are you getting your money’s worth when using Netflix? At what point and at what cost do you consider it a good value? For us I think having anywhere from a $1-2 per movie cost for Netflix means we’re getting a good value.
While our cost per movie is pretty high if you only figure in DVDs at $3.17 per movie, when you also take into account instant watch movies we are paying a paltry $1.17 per movie cost. That’s not half bad, and about what we would pay even for a movie at the local Redbox.
What is your cost for your Netflix account, and are you getting your money’s worth? Are you considering subscribing to Netflix or another video streaming service? At what cost would you consider the service worthwhile? Tell us about it in the comments.
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Last Updated on November 10, 2021 by Mark Ferguson
One of the hardest parts of getting your real estate license is completing the education needed for the licensing requirements. In most states, you can take online real estate classes or classes in a classroom with a real teacher. There are many pros and cons to both options, and the better option will depend on your goals and plans as a real estate agent. I obtained my real estate license in 2002, and have run a team that has sold over 200 homes in a year. Now I own a real estate brokerage and focus on real estate investing. I was able to get my license online and so have many of my agents, but my wife got hers in a classroom. This article will discuss whether it is better to take real estate classes online or in person.
Do different states have different requirements?
Every state has different rules and regulations for real estate agent licensing. Most rates require a certain amount of classes to get your real estate license before you can take the licensing exam. In Colorado you have to take 162 hours of education; other states are more and some much less. Some states are even thinking about making it a requirement that all real estate agents have at least a bachelor’s degree to get a real estate license.
Once you take the education portion of the real estate classes, you must also pass a test, take a background check, and then find a broker to work for. Taking classes is only a small portion of the process of becoming an agent, but it is important.
Which option takes less time?
One of the pros of taking classes online is you may be able to finish the classes sooner than the actual hourly requirement. Each class is given a certain amount of hourly credits and once you pass the class you get credit for those hours. It may take someone 2 hours instead of 4 hours to finish a section online if they are fast learners or readers. If you take classes in person, you have to be in a classroom for very close to the full hourly requirement. You also will have a set schedule with in-person classes, where online classes let you work whenever you have time.
I am able to breeze through my update classes which are supposed to take 4 hours in well less than an hour. It is important that you understand the material though. If you breeze through the material without absorbing it, it will be very tough to pass the test.
Which option is more exciting?
The downfall of taking real estate classes online is that they are extremely boring. It is tough for many people to stare at a computer screen for hours and absorb information. No matter how hard you try, it is really hard to make real estate license material exciting. You must have a very good attention span to spend the time it takes to study material online, learn it, and then be able to pass the exam. If you take real estate classes in person they will be much more exciting. You won’t be staring at a computer screen, you will be listening to a teacher, reading books and listening to guest speakers.
If you take real estate classes online you also have to be self-motivated. You have to find the time to sit down and put those hours in. In a classroom, you will have a set schedule and someone telling you when you need to be there. If you have a job and/or a family, then it makes it even tougher to find time to take online classes.
How important is a live teacher?
Taking real estate education in a classroom involves real people teaching you and learning with you. You will most likely learn much more from a real classroom because the teacher can explain many more things than a computer can. That teacher also should have some real-world experience in selling real estate and may even have connections in the real estate world.
When you become a real estate agent, one of the most important things is meeting people and networking. The sooner you can start networking, the better off you will be. Your teacher or teachers may have connections to help you find a broker, have insights on the best way to pass the test, and help you get started selling houses! Real estate classes don’t teach you how to sell, they teach you the laws, how not to get sued, and how to abide by the ethics standards.
Where will you learn more?
The in-person real estate classes are much more interesting than staring at a computer screen all day, but there are other advantages. I am a HUD broker and I taught one of my HUD classes to a local community college that offered a real estate licensing program. I taught aspiring agents all about HUD homes, things to watch out for, and how to make money selling them. An online class will not be teaching students about the best ways to sell HUD homes and will not have guest speakers.
The classroom may also bring in guest speakers and other agents who have succeeded in the business. An online class will not expose you to real estate agents making it in your area.
The teacher in a real class will be able to tell stories and relate the law and rules to real-world examples. Online classes may be able to give some real-world examples, but it is always better to hear stories straight from the people who experienced them.
Which option is easier to complete?
A downfall to a real estate class is finding a schedule that fits you. With an online class, you can take classes when you have time, but when you take in-person classes, you have to make their schedule work. If you already have a job that may be difficult to do, but I have found many schools offer night classes to help work around students’ schedules.
It is often easier for most people to make the online classes fit their schedules better. The online classes can be easier to complete as well because they may not take as much time. Remember, that easier is not always better.
How long it takes to complete real estate classes will depend on the student. If you are an extremely motivated individual who can handle hours at a time staring into a computer, then you might be able to finish online courses faster. If you are not motivated to take those online classes, it may be faster to take the in-person classes that have a set schedule. My wife went to school full-time for her license and finished up in about 6 weeks. One of my team members took his classes online and it took him about 6 months, but he also had a full-time job and a family. If you want to get your license quickly, taking classes in a classroom is most likely the fastest way to go.
What is your goal as an agent?
I mentioned early in this article that an agent’s goals will determine the best route for getting a license. If you want to make a career of real estate and jump in with both feet, take an in-person class. The exposure to people in the business will be worth it. You may even have a better chance of finding the right broker once you get your license.
If you want to be a part-time agent that only uses their license for their own investments, then it makes sense to take online classes. You may not need the connections and the personal help a real teacher will provide. However, don’t expect to be given guidance on how to get deals from a real estate class online. Real estate classes teach almost nothing about investing.
What are some online schools?
If you decide you want to take your real estate classes online, I know a couple of schools that offer licensing. My assistant took his classes at Real Estate Express, which also offers continuing education classes. Real Estate Express offers very affordable classes and great customer support.
Once you get your real estate license, there is much more you must do to become a successful real estate agent. In fact, before you even get your license you should be working on your business.
Conclusion
It is not easy to get a real estate license. The classes are long and boring, and the test is not a piece of cake. Once you get your license you must work hard to succeed as an agent. Choosing the right method of taking classes can help you succeed or fail as an agent.
Last Updated on November 10, 2021 by Mark Ferguson
One of the hardest parts of getting your real estate license is completing the education needed for the licensing requirements. In most states, you can take online real estate classes or classes in a classroom with a real teacher. There are many pros and cons to both options, and the better option will depend on your goals and plans as a real estate agent. I obtained my real estate license in 2002, and have run a team that has sold over 200 homes in a year. Now I own a real estate brokerage and focus on real estate investing. I was able to get my license online and so have many of my agents, but my wife got hers in a classroom. This article will discuss whether it is better to take real estate classes online or in person.
Do different states have different requirements?
Every state has different rules and regulations for real estate agent licensing. Most rates require a certain amount of classes to get your real estate license before you can take the licensing exam. In Colorado you have to take 162 hours of education; other states are more and some much less. Some states are even thinking about making it a requirement that all real estate agents have at least a bachelor’s degree to get a real estate license.
Once you take the education portion of the real estate classes, you must also pass a test, take a background check, and then find a broker to work for. Taking classes is only a small portion of the process of becoming an agent, but it is important.
Which option takes less time?
One of the pros of taking classes online is you may be able to finish the classes sooner than the actual hourly requirement. Each class is given a certain amount of hourly credits and once you pass the class you get credit for those hours. It may take someone 2 hours instead of 4 hours to finish a section online if they are fast learners or readers. If you take classes in person, you have to be in a classroom for very close to the full hourly requirement. You also will have a set schedule with in-person classes, where online classes let you work whenever you have time.
I am able to breeze through my update classes which are supposed to take 4 hours in well less than an hour. It is important that you understand the material though. If you breeze through the material without absorbing it, it will be very tough to pass the test.
Which option is more exciting?
The downfall of taking real estate classes online is that they are extremely boring. It is tough for many people to stare at a computer screen for hours and absorb information. No matter how hard you try, it is really hard to make real estate license material exciting. You must have a very good attention span to spend the time it takes to study material online, learn it, and then be able to pass the exam. If you take real estate classes in person they will be much more exciting. You won’t be staring at a computer screen, you will be listening to a teacher, reading books and listening to guest speakers.
If you take real estate classes online you also have to be self-motivated. You have to find the time to sit down and put those hours in. In a classroom, you will have a set schedule and someone telling you when you need to be there. If you have a job and/or a family, then it makes it even tougher to find time to take online classes.
How important is a live teacher?
Taking real estate education in a classroom involves real people teaching you and learning with you. You will most likely learn much more from a real classroom because the teacher can explain many more things than a computer can. That teacher also should have some real-world experience in selling real estate and may even have connections in the real estate world.
When you become a real estate agent, one of the most important things is meeting people and networking. The sooner you can start networking, the better off you will be. Your teacher or teachers may have connections to help you find a broker, have insights on the best way to pass the test, and help you get started selling houses! Real estate classes don’t teach you how to sell, they teach you the laws, how not to get sued, and how to abide by the ethics standards.
Where will you learn more?
The in-person real estate classes are much more interesting than staring at a computer screen all day, but there are other advantages. I am a HUD broker and I taught one of my HUD classes to a local community college that offered a real estate licensing program. I taught aspiring agents all about HUD homes, things to watch out for, and how to make money selling them. An online class will not be teaching students about the best ways to sell HUD homes and will not have guest speakers.
The classroom may also bring in guest speakers and other agents who have succeeded in the business. An online class will not expose you to real estate agents making it in your area.
The teacher in a real class will be able to tell stories and relate the law and rules to real-world examples. Online classes may be able to give some real-world examples, but it is always better to hear stories straight from the people who experienced them.
Which option is easier to complete?
A downfall to a real estate class is finding a schedule that fits you. With an online class, you can take classes when you have time, but when you take in-person classes, you have to make their schedule work. If you already have a job that may be difficult to do, but I have found many schools offer night classes to help work around students’ schedules.
It is often easier for most people to make the online classes fit their schedules better. The online classes can be easier to complete as well because they may not take as much time. Remember, that easier is not always better.
How long it takes to complete real estate classes will depend on the student. If you are an extremely motivated individual who can handle hours at a time staring into a computer, then you might be able to finish online courses faster. If you are not motivated to take those online classes, it may be faster to take the in-person classes that have a set schedule. My wife went to school full-time for her license and finished up in about 6 weeks. One of my team members took his classes online and it took him about 6 months, but he also had a full-time job and a family. If you want to get your license quickly, taking classes in a classroom is most likely the fastest way to go.
What is your goal as an agent?
I mentioned early in this article that an agent’s goals will determine the best route for getting a license. If you want to make a career of real estate and jump in with both feet, take an in-person class. The exposure to people in the business will be worth it. You may even have a better chance of finding the right broker once you get your license.
If you want to be a part-time agent that only uses their license for their own investments, then it makes sense to take online classes. You may not need the connections and the personal help a real teacher will provide. However, don’t expect to be given guidance on how to get deals from a real estate class online. Real estate classes teach almost nothing about investing.
What are some online schools?
If you decide you want to take your real estate classes online, I know a couple of schools that offer licensing. My assistant took his classes at Real Estate Express, which also offers continuing education classes. Real Estate Express offers very affordable classes and great customer support.
Once you get your real estate license, there is much more you must do to become a successful real estate agent. In fact, before you even get your license you should be working on your business.
Conclusion
It is not easy to get a real estate license. The classes are long and boring, and the test is not a piece of cake. Once you get your license you must work hard to succeed as an agent. Choosing the right method of taking classes can help you succeed or fail as an agent.
After paying your bills and covering necessary expenses each month, you may have money left over. While it’s tempting to splurge, it’s usually better to use that extra money to make extra payments on outstanding debt or invest.
If you have a large student loan balance, you may want to put all extra funds into paying off those loans. However, investing could be a better option to explore when you can reasonably expect a return that’s higher than your student loan interest rate.
Key takeaway
If you have a high interest rate on your student loans, putting more toward your loans may be a good idea. But if you’re in a loan forgiveness program or have a low interest rate, consider investing.
When to pay off student loans
Paying off student loans before investing can take some time, but for many borrowers, it can relieve a lot of stress and free up more cash for other goals, including investing. It can also make your life feel a little less complicated. You should consider paying off your student loans if you have high interest rates, you have an unpredictable cash flow or you’re looking to remove debt from your finances.
Pros:
You’ll save money in interest.
You’ll become debt-free sooner.
Your debt-to-income ratio (DTI) will improve, making it easier to qualify for a mortgage.
Cons:
It can take several years to pay off your student loans, even with extra payments.
It’s unnecessary if you’re working toward loan forgiveness or repayment assistance.
You won’t be able to maximize the student loan interest deduction.
Best for:
People whose top priority is to be debt-free.
Borrowers with high-interest student loans (8 percent or higher).
Borrowers who have private student loans with a variable interest rate.
People hoping to purchase a home but who can’t because of a high DTI.
When to invest
Investing sooner rather than later can help set you up for a successful retirement as you take advantage of the power of compound interest. While investing never offers a guaranteed return, if your research shows that the rate of return for your investments will likely be higher than the interest rate for your loans, it could be a good idea to start investing.
Pros:
You can often get a better rate of return than most student loan interest rates.
Investing sooner will help you avoid having to work longer in your older years.
With certain investment accounts, you can take withdrawals if you need the money in the future.
Cons:
You may still struggle with your monthly payments.
Investing won’t help improve your DTI.
Investing can be extremely risky.
Best for:
Borrowers with a low interest rate on their student loans.
Borrowers who are enrolled in a student loan forgiveness plan.
People who already have investing knowledge.
Pay off student loans or invest: Factors to consider
Cecil Staton, president and wealth advisor at Arch Financial Planning, says that when it comes to choosing between paying off your loans and investing, it’s more a question of “opportunity cost.”
“Do you expect a higher rate of return than the interest rate charged to your student loans?” Staton says. “If so, it could make sense to invest. If not, aggressive repayment strategies may be in your best interest, and you may delay investing. Ultimately, a balance between the two usually makes sense.”
Here’s what to think about when deciding between paying off your student loans and investing.
Personal priorities
Start by thinking about your overall financial picture. You need to consider your other debts, savings goals and personal priorities. Here are some other goals you might decide to prioritize:
Save for emergencies: Before you pay off student loans or invest, save at least one month’s worth of expenses. Over time, try to build up to six months’ worth of expenses.
Save for retirement: If your employer offers a 401(k) match, take advantage of it. Explore other opportunities outside of a 401(k) to start contributing to retirement accounts and saving for your retirement.
Pay off high-interest debt: Credit card balances, personal loans and other types of debt might have high interest rates. Paying these off first can give you a higher return than investments or student loan debt.
Tackle big life goals: If you’re looking to have kids or save for a house down payment, you might decide to make minimum payments on your debt and hold off on investing for now. This gives you space in your budget to save for those bigger financial milestones.
A final personal priority to think about is whether becoming debt-free is a top goal for you. If so, you may want to hold off on investing and put all excess funds toward paying off your student loans early.
Interest rates
Depending on when you borrowed the money and whether you have federal or private student loans, interest rates can range anywhere from 1 percent to 13 percent. Paying down your debt is like a guaranteed return on the money, so if your student loan interest rate is 5 percent, then you’re getting a 5 percent return.
Compare this rate of return to your expected investing return. Stocks can generally offer a long-term rate of return of over 9 percent a year. If you’re investing for the short term, however, returns can be volatile.
If your student loan interest rate is lower than what you can realistically expect to earn investing, then it could make sense to prioritize investing over paying down student loans early.
Tax deductions
When you’re paying off student loans, you might be able to deduct interest payments you make on that debt. Eligible borrowers can lower their taxable income by up to $2,500, which helps offset the cost of student loans over time.
At the same time, you can also deduct contributions made to a 401(k) or traditional individual retirement account. Think about which tax break is more important to you.
Forgiveness programs
If you have federal student loans, you might be able to get student loan forgiveness, which eventually cancels all or some of your student loan debt. If you plan to take advantage of student loan forgiveness, then it doesn’t make sense to put extra payments toward the debt. You could instead put the extra money toward investing and grow your money over time.
But look closely at the loan forgiveness details to ensure that you will meet the qualifications. This may affect your decision to enroll in one of these programs or to start investing now.
The bottom line
Deciding whether to pay off student loans or invest depends on your financial priorities and which option gives you a better return. If the rate of return in investing is higher than your student loan interest, then making minimum payments on your student loans and putting any extra cash toward investing may be a good choice. Conversely, if your student loan interest is higher than any possible return on investment, then focusing on getting out of debt faster may be the better path.
Medical bankruptcy is an unofficial term for clearing out medical debt under Chapter 7 or Chapter 13 bankruptcy.
According to the U.S. Census Bureau, Americans hold nearly $200 billion worth of medical debt. As you can imagine, medical debt can cause quite a bit of financial distress for anyone who has it.
Medical bills can affect your credit and make paying off other bills difficult. Filing bankruptcy due to hefty medical bills may help you eliminate your medical debt and have a fresh start, but it isn’t always a perfect solution. Here, you’ll learn what medical bankruptcy is and how it works so you can decide if it’s the right choice for your situation.
What does medical bankruptcy mean?
“Medical bankruptcy” isn’t a legal term used in bankruptcy court, but it’s often used unofficially to describe filing for bankruptcy to eliminate medical debt. The most common forms of bankruptcy for individuals struggling with medical debt are Chapter 7 and Chapter 13—they have some similarities as well as differences for discharging debt.
Can you discharge medical debt in bankruptcy?
Both Chapter 7 and Chapter 13 can help you discharge medical debt as long as you follow the court’s guidelines and are approved for the filing. When you file bankruptcy, your debts are categorized as either secured or unsecured debts. Secured debts are types of debts for which you provide collateral or a down payment, like a home or a vehicle. Credit cards and other non-collateralized debts are unsecured debts.
Medical bills fall under the unsecured debts category, which gives you more options when you’re filing for bankruptcy. For example, if you’re approved for Chapter 7 bankruptcy, you may be able to have the entirety of your medical debt eliminated.
Which type of bankruptcy should you file for medical debt?
Choosing which form of bankruptcy to file depends on your unique circumstances as well as what the courts will approve. The primary difference between Chapter 7 and Chapter 13 bankruptcy is that Chapter 7 allows you to eliminate debt after liquidating some of your assets. With Chapter 13 bankruptcy, you’re provided with a repayment plan to pay off debts over time.
How to file Chapter 7 bankruptcy for medical debt
To qualify and file for Chapter 7 bankruptcy, you’ll need to pass a means test. The means test is when the court takes a look at your household income compared to the average in your state. If you’re below a certain threshold, you can file for Chapter 7. When people ask, “Does bankruptcy clear medical debt?” they’re usually referring to Chapter 7.
During a Chapter 7 bankruptcy, you’re assigned a trustee who evaluates your financial situation and your assets. For assets that don’t fall under your state’s specific exemptions, you may be required to sell them in order to pay back a portion of your debt. Once the assets are sold to pay back creditors, the remaining debt is removed.
How to file Chapter 13 bankruptcy for medical debt
People with a steady source of income typically file Chapter 13 for their medical bankruptcy. If your medical condition isn’t preventing you from working and receiving regular pay, this may be your best option for bankruptcy.
Under a Chapter 13 bankruptcy filing, you submit a proposal to the courts, which is based on your income. The proposal contains information on how much you believe you can pay on a monthly basis. You’re given a three-to-five-year timeline to repay your debts based on the court’s decision. Once your repayment plan is complete, the court discharges your bankruptcy.
Alternatives to filing medical bankruptcy
Medical bankruptcy is an option that many people turn to, but it can affect your credit for seven to 10 years. Derogatory marks on your credit can make it difficult to apply for loans, and it can also result in putting down larger deposits when renting a home or turning on utilities.
Before filing for medical bankruptcy, here are some alternative ways to pay your medical bills and avoid bankruptcy:
Sell assets: Yes, this is part of Chapter 7 bankruptcy, but it does not affect your credit if you do it on your own. You can use these funds to pay down your medical debt.
Borrow from a friend or family member: This is typically a good option to avoid interest, but medical debt doesn’t accrue interest. It still may be helpful to avoid the debt going to collections.
Settle your debt: Much like other forms of debt, you may be able to call and negotiate with your medical debt creditors to settle the debt for less.
Consolidate your debt: Debt consolidation allows you to combine multiple medical bills into one, which can help reduce the number of creditors you have and make repayment more manageable.
Find extra sources of income: Depending on your medical condition, it can be helpful to work additional hours or find side work to pay down your debt.
FAQ
The following are some of the most common questions when it comes to medical bankruptcy.
What is the difference between bankruptcy and medical bankruptcy?
Technically, there’s no difference between bankruptcy and medical bankruptcy. While medical bankruptcy isn’t a legal term, you can claim medical debt when you file for bankruptcy.
How long does medical bankruptcy last?
Chapter 13 bankruptcy takes three to five years to repay your debt, and it remains on your credit report for seven years. Chapter 7 bankruptcy can take four to six months and will stay on your credit report for 10 years.
How does medical bankruptcy impact credit?
Medical bankruptcy affects your credit score, so it’s helpful to understand the downsides of filing for bankruptcy. Chapter 7 bankruptcy stays on your credit report for 10 years, while Chapter 13 bankruptcy only lasts for seven.
As long as a bankruptcy is on your credit report, it hurts your credit and is also a red flag for lenders and anyone else who checks your credit. This can result in loan rejections as well as higher deposit requirements when you rent or start a utility service.
Can you claim medical debt on bankruptcy?
Yes. You can claim an unlimited amount of medical debt when you file for bankruptcy.
Does a medical bankruptcy affect your spouse?
If you’re married, your medical bankruptcy can affect your spouse, even if you file alone. Your spouse’s assets may need to be liquefied under Chapter 7 bankruptcy, but if you file individually, your bankruptcy will not affect their credit.
How to repair your credit after medical bankruptcy
Medical bankruptcy may be the best way to get back on your feet financially, but it can also affect your credit for years to come. If you’re planning on buying a home or car, or if you’re hoping to make other big purchases using credit, it can be difficult to get approved for these.
Lexington Law Firm has a team of legal professionals who can help you repair your credit. We have different credit repair services like credit monitoring and financial education tools to help you on your journey to rebuilding your credit. To learn how Lexington Law Firm could assist you, contact us today.
Note: Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.)
Reviewed By
Vince R. Mayr
Supervising Attorney of Bankruptcies
Vince has considerable expertise in the field of bankruptcy law.
He has represented clients in more than 3,000 bankruptcy matters under chapters 7, 11, 12, and 13 of the U.S. Bankruptcy Code. Vince earned his Bachelor of Science Degree in Government from the University of Maryland. His Masters of Public Administration degree was earned from Golden Gate University School of Public Administration. His Juris Doctor was earned at Golden Gate University School of Law, San Francisco, California. Vince is licensed to practice law in Arizona, Nevada, and Colorado. He is located in the Phoenix office.