Commercial Refinance Loans Archives

Jan202021 by Ian JensenNo Comments

How Your Teen Driver Affects Your Budget

The post How Your Teen Driver Affects Your Budget appeared first on Penny Pinchin' Mom. Ever wonder how a teen driver affects your budget? Â Get ready to learn!! This is a sponsored post on behalf of Progressive Insurance. All tips and opinions are my own and were not influenced by any parties. As much as many of us don’t want for it to happen, there will come a day when your teenager will be ready to jump behind the wheel. Â It also seems to sneak up on us too. Â When did that 5 year old kindergartner suddenly ask to borrow the car on Friday night!?! Parents and guardians all want to make sure that our kids learn to drive and are always safe behind the wheel. One way to do that is to create your own safety contract. Â It is the terms your teen agrees to in order to ensu...

Jan202021 by Ian JensenNo Comments

Do College Rankings Matter?

Commercial Refinance Loans, Student Loans

All articles about college rankings should perhaps be read with a grain of salt and primarily through a lens of what matters most to individuals about the college experience and what theyâre hoping it will be an investment toward. Prominent publications and people have conveyed a variety of views about whether college rankings matter: The editor-in-chief of the Science Family of Journals said no in May 2020. âTo any logical scientific observer, the fine distinctions of where schools show up on this (U.S. News & World Report Best Colleges) list are statistically meaninglessâbut try telling that to a roomful of alumni or parents,â H. Holden Thorp wrote. Ian Bogost, distinguished chair at Georgia Tech, wrote in The Atlantic in June 2020: âThe absurdity of a numerical ranking ...

Jan202021 by Ian JensenNo Comments

How to Clean and Polish Your Wood

Commercial Refinance Loans

Clean furniture and floors Remove water rings If you have kids, you probably have watermarks on your finished wood table. Use a little petroleum jelly to remove the white stains. Just rub the area with the jelly and let it sit for several hours (or even overnight). Then rub again with a soft cloth—the stain should disappear. Another way to erase water rings Does your wood furniture have white rings left from wet glasses? Remove them with a mixture of 2 tablespoons corn oil and enough baking soda to make a paste. Apply the paste to the rings and let sit for at least 1 hour before rubbing the area gently. Or give mayonnaise a shot: Rub a tiny bit (1/2 teaspoon) on the ring and let it sit overnight. In the morning, just wipe with a damp cloth and the ring should be gone! Erase wood scr...

Jan202021 by Ian JensenNo Comments

6 Signs Your Personal Finance Software Makes Life Easier

Budgeting, Commercial Refinance Loans, Personal Finance

6 Signs Your Personal Finance Software Makes Life Easier Finding personal finance software is easy, because there are countless choices in mobile apps, online programs, and finance software you can run on your home computer. But they’re certainly not equal. Personal finance software should make your life simpler, not more complicated, and it should be customizable for your particular life, goals, and needs. You know you’ve found great software when your financial life becomes easier over time. Here are 6 signs your personal finance software makes life easier. 1. You Haven’t Paid a Late Fee in Months Does your personal finance software let you know in advance of when bills are due? It should be easy to set up automated alerts that tell you a few days before monthly, quart...

Jan202021 by Ian JensenNo Comments

How to Handle a Pay Cut: Budgeting in Uncertain Times

Budgeting, Commercial Refinance Loans, Frugal Living

A pay cut, whether big or small, can catch you off guardâand throw your finances into disarray. While a salary cut is different than a layoff, it can leave you feeling just as uncertain. How do you deal with a pay cut and deal with this uncertainty? There are strategies to help you navigate both the emotional and financial challenges of this situation. One key element? A budget. Whether you need to create a budget from scratch or adjust the budget you already have, doing so can help you get back on your feet and set yourself up for success. Hereâs a rundown of budgeting tips to survive a pay cut to keep your finances intact: Ask your employer for the parameters of the income reduction or salary cut First, keep in mind that a pay cut typically isnât personal. According to Scott Bis...

Jan202021 by Ian JensenNo Comments

9 Financial Strategies for Padding Your Bank Account in Case 2021 Goes Sideways

Commercial Refinance Loans

Sure, weâre glad 2020 is over. But here are nine financial strategies for padding your bank account â just in case 2021 goes sideways, too. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.Source: thepennyhoarder.com

Jan162021 by Ian JensenNo Comments

How to Figure Out Your Family’s Grocery Budget (and Stick to It!)

Commercial Refinance Loans

The post How to Figure Out Your Family’s Grocery Budget (and Stick to It!) appeared first on Penny Pinchin' Mom. One question I see time and again is âHow much should I spend on groceries for my family of four ?â â or three, five, etc. When youâre making a household budget, itâs easy to know how much you need to include for most of your living expenses, like utilities, student loans, and even fuel. But when it comes to your average grocery bill, how much should you expect? As much as I wish there were a simple answer, a family’s grocery budget will be different for every household. There’s no right or wrong number, but finding yours is key to keeping your grocery spending in check. Hereâs a guide to help you figure out how much you should spend on food ea...

Jan162021 by Ian JensenNo Comments

How to Calculate Expected Rate of Return

Commercial Refinance Loans, Growing Wealth, Investing

The basic idea behind investing is finding ways for your money to earn you even more money. Getting your money to do work for you? Yes, please. But how do you figure out how much your investment is going to make you? The money that you earn on an investment is known as your return. The rate of return is the pace at which money is earned or lost on an investment. If youâre going to invest, you may want to consider how much money that investment is likely to earn you. Though itâs not possible to predict the future, having some idea of what to expect can be critical in setting expectations on whatâs a good return on investment. Rate of Return Formula It helps to start with a base knowledge of a simple rate of return calculation. A rate of return is typically expressed as a percentage of...

Jan162021 by Ian JensenNo Comments

How to Make Tough Decisions as a Couple

Commercial Refinance Loans

Marnie and Tom live in a nice suburb in the Midwest with their two young children. Marnie’s mother, Elaine, lives about an hour away. When the kids were babies, Marnie's mother used to drive to Marnie and Tom's every day to see her grandkids and help out. But lately, Marnie's mother's health has been declining, so she can’t drive over anymore. One day Marnie gets an idea: What if she and Tom sell their house and move closer to her mother? Then the kids would be able to see their grandmother more often. Plus, Marnie would be able to keep a closer eye on her mother in case her health gets worse. Seems like a perfect solution. There’s only one problem—Tom doesn’t want to move. Tom likes the neighborhood they’re in. He thinks he and Marn...

Jan162021 by Ian JensenNo Comments

9 Ways to Support Small Businesses Without Breaking the Bank

Budgeting, Commercial Refinance Loans

We all have our favorite small businesses, including our go-to date night restaurant and favorite thrift store. These places serve more than great food and looks â they build jobs in the community, put children through school, and are the realization of your neighborâs dream.Â These stores are built on hard work and love, and supply some of the best quality products you can find. Small businesses are a great sign of a thriving economy, but theyâre also the first to suffer from economic downturns, like 2020âs COVID-19 recession. This is why itâs more important than ever to find ways to support your communityâs businesses. There are many reasons why small business success is vital. Not just for the economy but for our communities. Thatâs why Small Business Saturday (November 2...