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With interest rates currently at a three-year low, it is clear that home values are on the rise. This makes it a great time to purchase a home — especially for first-time buyers. However, buying a home is no cakewalk; it must be handled with great care, and you must be prepared before applying. Here are a few important tips to get you started in the right direction.

1. Pull your credit report

First, check your credit report. Then, search for a mortgage lender who lends to people with your score. Before filling out the papers for a home mortgage loan, you may want to take a peek into your credit file. Having adverse credit can not only limit the amount the lender is willing to let you borrow, but it can also cause you to pay a much higher interest rate in comparison to someone with average to excellent credit. If you have serious debts on your credit file (such as outstanding loans, bankruptcy, or a high amount of debt), this can stop you from even obtaining...

Renters' Top 8 Biggest Concerns About Buying A Home

Stated Income Loans Are Returning

Can Private Mortgage Bonds Be Revived?

IntroLend

With interest rates currently at a three-year low, it is clear that home values are on the rise. This makes it a great time to purchase a home — especially for first-time buyers. However, buying a home is no cakewalk; it must be handled with great care, and you must be prepared before applying. Here are a few important tips to get you started in the right direction.

1. Pull your credit report

First, check your credit report. Then, search for a mortgage lender who lends to people with your score. Before filling out the papers for a home mortgage loan, you may want to take a peek into your credit file. Having adverse credit can not only limit the amount the lender is willing to let you borrow, but it can also cause you to pay a much higher interest rate in comparison to someone with average to excellent credit. If you have serious debts on your credit file (such as outstanding loans, bankruptcy, or a high amount of debt), this can stop you from even obtaining...

Renters' Top 8 Biggest Concerns About Buying A Home

Stated Income Loans Are Returning

Can Private Mortgage Bonds Be Revived?

MoneyTips

A summer job is a great way for students to earn some extra money while building a resume for the future and learning new things about the working world. Typically, one of the hardest lessons for students to deal with is income tax. Working students may say, "Why is so much of my paycheck withheld? And who is this FICA dude?"

Welcome, students, to income taxes and how they affect the working world that you have joined. There are two main taxes on your earnings:

  • Federal Income Taxes – These provide income for operations and services of the federal government.
  • Payroll Taxes – These are taxes that fund Social Security and Medicare under the Federal Insurance Contribution Act (the "FICA dude" referenced above). The taxes you pay in go toward covering the eventual services you require. You pay half of this tax obligation (the withheld amount) and your employer kicks in the other...

Get Ready For Tax Season!

IRS Tips For Charitable Deductions

It's STILL Not Too Late To Lower Your Tax Bill

IntroLend

A summer job is a great way for students to earn some extra money while building a resume for the future and learning new things about the working world. Typically, one of the hardest lessons for students to deal with is income tax. Working students may say, "Why is so much of my paycheck withheld? And who is this FICA dude?"

Welcome, students, to income taxes and how they affect the working world that you have joined. There are two main taxes on your earnings:

  • Federal Income Taxes – These provide income for operations and services of the federal government.
  • Payroll Taxes – These are taxes that fund Social Security and Medicare under the Federal Insurance Contribution Act (the "FICA dude" referenced above). The taxes you pay in go toward covering the eventual services you require. You pay half of this tax obligation (the withheld amount) and your employer kicks in the other...

Get Ready For Tax Season!

IRS Tips For Charitable Deductions

It's STILL Not Too Late To Lower Your Tax Bill

MoneyTips

Want to take a family vacation, but worried about the costs? A stay-at-home vacation ("Staycation") can be a fun and money-saving alternative to dealing with that thrilling extra security search at the airport, or packing everyone in the family roadster for a less-than-scenic drive to your destination. ("Are we there yet? Are we there yet?")

However, there is a difference between a staycation and just hanging around your house being bored. Planning is important. If you don't put any thought into it beforehand, after a day or two you may be looking for a vacation from the rest of your family. Consider some of the following things as you plan your staycation.

IntroLend

Want to take a family vacation, but worried about the costs? A stay-at-home vacation ("Staycation") can be a fun and money-saving alternative to dealing with that thrilling extra security search at the airport, or packing everyone in the family roadster for a less-than-scenic drive to your destination. ("Are we there yet? Are we there yet?")

However, there is a difference between a staycation and just hanging around your house being bored. Planning is important. If you don't put any thought into it beforehand, after a day or two you may be looking for a vacation from the rest of your family. Consider some of the following things as you plan your staycation.

Big banks design their services for a broad customer base, but in doing so, they can fall short of serving the needs of historically marginalized communities. That gap is creating…

MoneyTips

College can be a great adventure in scholarship and life for many young people. But when it comes to managing a budget, it can be a sobering learning experience in how quickly their money can disappear.

Even worse, six months after a student graduates, when he or she gets their loan payment schedule, they will receive a major reality check on how they were able to accumulate such a large debt with interest in just a few short years. According to Forbes, there are currently 45 million Americans who each owe an average of5 Tips For Saving Money In College

6 College-Bound Money Moves

Money-Saving Tips for College Students II

IntroLend

College can be a great adventure in scholarship and life for many young people. But when it comes to managing a budget, it can be a sobering learning experience in how quickly their money can disappear.

Even worse, six months after a student graduates, when he or she gets their loan payment schedule, they will receive a major reality check on how they were able to accumulate such a large debt with interest in just a few short years. According to Forbes, there are currently 45 million Americans who each owe an average of5 Tips For Saving Money In College

6 College-Bound Money Moves

$30,000 Student Debt Results In Loss Of $325,000 Retirement Savings

If you have been reading articles on Forbes Advisor, perusing personal finance forums or engaging in deep discussions with managerial accountants at retailers that sell gift cards, you might have heard the term “breakage.” Breakage may sound like a concept that only figurine collectors care about, but it is one of the ways that people […]

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