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Why Set Impossible Goals for 2021? [The Ultimate New Year’s Savings Hack]

Early Career, Investment Property Mortgages
In the 1980s, self-driving cars and smartphones without antennas were only things you’d see in movies — unimaginable futuristic goals. Now, these “impossible” inventions are part of people’s everyday lives. These innovative ideas were thought to be outlandish years ago until creators like Elon Musk and IBM’s team put their impossible goals to the test. Impossible goals are things you want to achieve that seem out of the ordinary — ones that feel as if you may never reach them, even in your wildest dreams. These goals could be turning your dream side hustle into a full-time job or building your savings from zero in the next year to buy your dream home. While the end result seems unreachable, a mix of motivation, determination, and hard work can get you further than you think. ...

6 Credit Card Tips to Help Prepare for the Holidays

Travel
Is it too soon to start planning your end-of-year holiday events? That may be debatable but we all know how quick retailers are to taking advantage of increased sales brought on by holiday shoppers. With Thanksgiving just around the corner most retailers are already advertising for their big shopping events and Black Friday deals. If […] The post 6 Credit Card Tips to Help Prepare for the Holidays appeared first on Credit Absolute.Source: creditabsolute.com

6 Damaging Side Effects of Having a Bad Credit Score

Home Loans By State
As you make another large purchase against your credit card, inching closer towards maxing out, you might not realize the negative ramifications this activity will have on your credit score. The same goes for making the odd late payment on your hydro bill or car loan payment. Mounting debt that is not paid off in time or in full can have a major impact on your credit score. A bad credit score can have more negative consequences than you may think So what’s the big deal about having a low credit score? These days many institutions – from loan officers, to businesses, to insurance companies – look to your credit history before making a move. You could find your low credit score putting you in a position where you can’t get approved for a loan, get a job, or even find...

10 Things to Know About Working in New York

Interest Only Loans
Thinking about working in New York? There are some features of work life in the Big Apple that set it apart from the work culture in other cities. Is it true that if you can make it there you can make it anywhere? We’re not making any promises, but we can give you some tips about what working in New York is really like.  Check out our 401(k) calculator.  1. Salaries are high – but so is the cost of living. For many fields, particularly those that require highly skilled workers, salaries in New York are higher than those in other cities. But before you get too excited about the fact that salaries in New York tend to be higher, keep in mind that the cost of living in New York is higher, too. Luckily, there are plenty of financial experts around to help you figure out how to ke...

We Want a Diverse Area With Moderate Population, Warm, Beach and Culture—So Where Should We Retire?

Grand Prairie, Home Buying, Retirement
Courtesy Visit St. Pete/ClearwaterDear MarketWatch, We are African-Americans and want to retire to a diverse area with moderate population, warm, beach, culture. We can afford a better-than-average lifestyle and want to feel accepted in our new community — hopefully somewhere with high walkability and homes with character. And maybe near a major airport…. for lots of traveling. Let me know what you come up with. Thanks. — Jennifer Dear Jennifer, We all know there are plenty of beach towns in the U.S., but finding one with personality is a bigger challenge. I’m going to leave out some obvious places, like Miami Beach and, though less diverse, Hilton Head. On the West Coast, no Southern California. Too obvious. Plus, while you can afford a better-than average lifestyle, home pr...

What Is a No-Fee Mortgage?

Apartment DIY, Grand Prairie
Witthaya Prasongsin/Getty ImagesWhen you apply for a mortgage or refinance an existing mortgage, you want to secure the lowest interest rate possible. Any opportunity a borrower can exploit to shave dollars off the cost is a big win. This explains the allure of no-fee mortgages. These home loans and their promise of doing away with pesky fees always sound appealing—a lack of lender fees or closing costs is sweet music to a borrower’s ears. However, they come with their own set of pros and cons. No-fee mortgages have experienced a renaissance given the current economic climate, according to Ralph DiBugnara, president of Home Qualified. “No-fee programs are popular among those looking to refinance … [and] first-time home buyers [have] also increased as far as interest...

Home Buyer’s Guide: How to Purchase a Property, From Start to Finish [Free Download]

Apartment DIY, Grand Prairie
Purchasing a home is both exciting and a major milestone in your life, so you’ll want to be prepared for what to expect to avoid a stressful process. Having an in-depth look at the buyer’s journey can help you make informed and confident decisions. From finding a real estate agent, negotiating offers to getting your keys on closing day, we’ve outlined all the steps of a home buyer’s journey in our free Buyer’s Guide, which you can download here. The Buyer’s Guide will cover the buyer’s timeline from meeting an agent to preparing for closing day. We’ve outlined the 8 steps in a home buyer’s journey below. 1. Working With An Agent Every city is filled with thousands of agents, but not all are equal. We believe it is important to choose an agent that you feel confident with. Before you commi...