🌾 I’ve been going to Bates Nut Farm for years as an annual pumpkin patch outing 🎃 It is always a day filled with fun! •
BUT, I’d like to know which other large pumpkin patches do you recommend I visit???
RECOMMENDATIONS PLEASE 🧡
1 216 hours ago
Are you ready to downsize?
I can assist you with selling your home and find your new home. Let's go on this journey together give me a call today 7709195135.
Link to full video in bio and follow me on YouTube for more financial tips. "Retirement" - On today's live edition of #moneymonday on CBS - WINK NEWS. Kirsten Delgado and I discuss "Planning For Retirement"
MUST BE THE SOCKS! 🧦🏠 Such a fun closing! Thank you JEANNE NEUMEIER & #FairwayMortgage for amazing service, an incredibly low #interestrate for these buyer clients and DEFINITELY NOT LEAST my cool, new branded Fairway Mortgage Socks! 😎😎
so, I officially jumped on the @up_banking bandwagon this month! They don’t have any monthly fees, and you can get up to 2.25% interest on your savings each month! ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
they also have a refer a friend program, where you can get $5 - just message me or comment down below with ‘me please’ and I can send you the link! 💫✨
‼️There is a light at the end of a tunnel‼️ If you weren't aware, mortgage interest rates have recently dropped dramatically! What does that mean to you? This may be the perfect opportunity to refinance your current mortgage!
By refinancing, your mortgage term can be shortened!
Before rates go back up, contact us to get started! 📞732.238.1101
DID YOU KNOW DURING THE LAST 6 RECESSIONS HOME PRICES WENT UP IN 4 OF THEM !
No one knows for sure when the next recession will occur. What is known, however, is that the upcoming economic slowdown will not be caused by a housing market crash, as was the case in 2008. There are those who disagree and are comparing today’s real estate market to the market in 2005-2006, which preceded the crash. In many ways, however, the market is very different now.
A critical warning sign last time was the surging gap between the growth in home prices and household income. Today, home values have also outpaced wage gains. As in 2006, a lack of affordability will kill the market.
The “gap” between wages and home price growth has existed since 2012. If that is a sign of a recession, why didn’t we have one sometime in the last seven years? Also, a buyer’s purchasing power is MUCH GREATER today than it was thirteen years ago. The equation to determine affordability has three elements: home prices, wages, AND MORTGAGE INTEREST RATES. Today, the mortgage rate is about 3.5% versus 6.41% in 2006.
Prices will crash because that is what happened during the last recession.
Be up to date on all technology available to grow your business! The Apps available are limitless, there is an App for EVERYTHING. I shared 3 in this video but have many more to share! Just ask me what you’re looking to do and I guarantee there is an App for it!
Think of the offset account as a transaction account that pays you the same interest rate as your current mortgage.
Generally, the money you have in this account offsets the amount you owe on the loan which means you’ll only be charged interest in the difference 🏠💰
Happy Friday everyone! We are following up on our DIY series with Self -Help Tip #3 .
Not every derogatory account should be disputed!
One, if the account is within the statute of limitations which vary by state), the creditor can sue you.
Secondly, if it is an aged account you could do more harm than good.
An account that has, for instance, a late payment but is 5 years old can lower your score if deleted because you're now affecting your length of credit, which is 15% of your credit score.
Credit repair is a balance of getting rid of inaccuracies and not lowering your score while doing so.
Schedule a FREE consultation with us to discuss your credit situation and how our services may help.
‼️Seize the day to seize the opportunity!! If you weren't aware, mortgage interest rates have recently dropped dramatically! What does that mean to you? This may be the perfect opportunity to refinance your current mortgage!
Before rates go back up, contact us to get started! 📞732.238.1101
Obtaining a home loan is one of the most important steps in the whole property buying process - as it breaks any deal if the property buyer cannot obtain the funds for buying the property. If the purchase is dependent on a home loan, the application process can lead to a lot of frustration for the buyer and estate agent.
Working with home loan specialist and bond originator makes the home loan application process a more controlled situation with much higher approval chances and a faster turnaround time than if a client applied for a bond on their own - effectively increasing the success rate of the sale. Buyers applying directly for home loans success rate can be as low 35% success rate whilst bond originators can push the client's success rates for an approved bond up to 75%. Bond brokers and home loan specialists offers their services at no cost to property buyers - they are paid a commission by the banks. The banks do not penalise buyers for using a Bond Originator - the fees are exactly the same
Sobat Fintech, Google menyatakan akan blokir fintech yang menawarkan bunga di atas 36% per tahun, lho. Tapi penerapan aturan ini hanya berlaku di Amerika Serikat mulai bulan Agustus 2019 lalu. Selain itu, aturan ini juga melarang fintech P2P lending dengan pembayaran di bawah 60 hari.
Student debt repayment sucks. Most times it feels like you’re getting nowhere.
Let me put something into perspective for you though and why you should repay your debt ASAP and avoid making only minimum payments if you can!
Last month, paying only the minimum payment on my student loan, interest accumulated to $50. This was at a 4.25% interest rate!! And I haven’t even mentioned our other debts..🤢 Can you imagine how much more would accumulate 1) the bigger the debt amount and 2) the higher your interest rate? You are basically throwing money down the drain due to interest.
All I could think about was what I could be doing with that $50 interest that is completely unnecessary. Pay off your debt early so you can use your money on YOU.
I am so happy to have us receive this award!!! Shows how hard we work to get people into the homes they love! Who wants to be next!? I would love to help you out on your journey!
LIFE Realty District
It is not all about rate – check the terms before you sign!
The lowest rate may not be the best rate for you. Getting a low rate up front may result in extremely high charges if you need to break your mortgage early or if you try to pay extra. Contact me for more information, my services are free.
1 1017 October, 2019
Should I buy down my Mortgage Rate? That depends. In this excerpt from Scott Hanson's appearance on the MoneyWise Guys Radio Show, Scott explains some strategies on buying down your mortgage rate. Check out the full interview on our YouTube Channel:
Did you know that unpaid child support in Texas has a 6% interest rate??
This penalty is ALMOST equivalent to the interest rate of the average federal student loan 👨🏽🎓👩🏽🎓 and MORE than the CURRENT interest rate on a MORTGAGE loan. •
When was the last time you took a holiday? We think it’s that time again. 📸 @willtravelforpink
3 1617 October, 2019
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If you work in finance, it’s starting to feel as if the once-absurd is starting to be considered, well, normal. The ECB decided last week to keep its key interest rate below zero, and it hinted at cutting the rate even further in the near future. Brian Chappatta wrote that this might soon be an issue in the U.S. as well, and adds that it would set the stage for “the death of the bond market as we know it.” Bond traders aren’t staging any sort of buyers’ strike, having learned the hard way the futility of fighting central banks, but this is a fragile equilibrium. #centralbank#bonds#trading#interestrate#ecb#markets#negativeyield#rates#ratecut#economy