.15 Mortgage Questions To Ask Your Lender

By Karen Doyle Oct 28, 2021

Asking the right questions could save you money on a home.

Buying a house is exciting — but it’s also a big decision. Whether you’re looking for a new home or refinancing your current one, choosing the right mortgage is one of the most important aspects of the process, so it helps to be prepared. To ensure you get all the information you need as you’re making decisions when buying or refinancing a home, you need to know the right questions to ask.

Here are 15 questions to ask a mortgage lender, which will help you learn how you can save money when buying a home.

.15 Mortgage Questions To Ask Your Lender

By Karen Doyle Oct 28, 2021

Asking the right questions could save you money on a home.

Buying a house is exciting — but it’s also a big decision. Whether you’re looking for a new home or refinancing your current one, choosing the right mortgage is one of the most important aspects of the process, so it helps to be prepared. To ensure you get all the information you need as you’re making decisions when buying or refinancing a home, you need to know the right questions to ask.

Here are 15 questions to ask a mortgage lender, which will help you learn how you can save money when buying a home.

.8 Rules For Saving, Borrowing And Spending Money

Liz Weston of NerdWallet Sun, December 5, 2021,

The best personal finance advice is tailored to your individual situation. That said, a few rules of thumb can cut through the confusion that often surrounds money decisions and help you build a solid financial foundation.

The following guidelines for saving, borrowing, spending and protecting your money are culled from nearly three decades of writing about personal finance.

.The 5 Fastest Ways To Become Rich, According to Experts

Bob Haegele Sat, December 4,

With the new year fast approaching, many of us are likely starting to think about our finances. In particular, you may want to increase your net worth or even get rich. After all, getting rich will allow you to not only have more financial security but also have more options. And, of course, you would have the ability to spend on more of the things you want.

The problem with the idea of getting “rich,” though, is that it takes a lot of time and effort. Get-rich-quick schemes are almost always nothing but a way to prey on those who are struggling financially. Unless you are born into a wealthy family and a large inheritance is passed to you, you will likely have to become rich through a combination of hard work and financial diligence.

.Defining Success

Nov 17, 2021 by Ted Lamade Managing Director at The Carnegie Institution for Science

What does success look like these days? Is it obtaining a certain number of followers? Getting a specific number of “impressions”? Becoming a YouTube sensation? Passing a piece of legislation purely along party lines? Doubling or tripling your money on a meme stock or an NFT? Generating first quartile (or better yet, first decile) performance for a trailing twelve-month period?

Before you answer that, let me tell you about three people who appear to have very little in common, but are all connected by achieving a unique type of success that is too often overlooked.

.The Problem With America’s Semi-Rich

By Emily Stewart Oct 12, 2021

This story is part of a group of stories called “The Goods”

America’s upper-middle class works more, optimizes their kids, and is miserable.

It’s easy to place the blame for America’s economic woes on the 0.1 percent. They hoard a disproportionate amount of wealth and are taking an increasingly and unacceptably large part of the country’s economic growth. To quote Bernie Sanders, the “billionaire class” is thriving while many more people are struggling. Or to channel Elizabeth Warren, the top 0.1 percent holds a similar amount of wealth as the bottom 90 percent — a staggering figure.

.5 Things You Can Learn From Previous Generations’ Money Mistakes

by Mike Brassfield Senior Writer November 22, 2021

Let’s make it clear right off the bat: Your generation is the best generation, OK? And no matter which generation you happen to belong to, there’s plenty you can learn from the financial mistakes of previous generations, who all behaved in financially unwise ways.

If you’re Gen Z, you can avoid the house-hunting regrets of millennials. If you’re a millennial, you can learn from the credit card disasters of Gen X. If you’re Gen X, there’s still time to avoid repeating the retirement mistakes of the baby boomers. And if you’re a boomer, hey, you already know everything, right?

Kidding, y’all! We’re just kidding! (Full disclosure: The writer of this piece is Gen X, so he doesn’t really matter.)

.No Such Thing as Enough Money

By Jacob Schroeder October 27, 2021

How much money is enough?

It’s a philosophical money question that often arises out of discontent. We see someone of substantial means, like a celebrity, live a troubled life. Or, we ourselves experience great fortune yet feel unhappy. It makes us wonder where the finish line is, the point when you can stop striving for more and settle into a life of satisfaction.

There are some great financial blogs that provide good answers, such as here and here. And then there are a variety of books that tackle this question in their own ways: Ego Is the Enemy, The Last Lecture, the Bible, to name a few.

.Am I Responsible for Paying Off My Deceased Husband’s Debt?

Stacy Francis, CFP®, CDFA®, CES™, President & CEO Sun, November 28, 2021

Losing your spouse is a painful, confusing time, but add to that repeated calls from an aggressive debt collector, and a bad situation suddenly can get even worse. Before you cave into the pressure, take a moment to catch your breath and learn the facts about your rights and responsibilities. You may be off the hook as some debts — including even certain types of credit card charges — are forgiven at death. However, others linger much longer.

First off, you should know that you are generally not personally responsible for paying off your husband's debts, as any loans would normally be paid off by his estate. This includes credit card debt, student loans, car loans, mortgages and business loans.

.25 Secrets Elon Musk and Every Other Rich Person Knows

Gabrielle Olya Thu, November 25, 2021

If it seems like the rich know something about money that the rest of us don't, it's probably because they do. There must be some reason the richest 1% of people now hold more than 40% of the world's wealth, according to the Credit Suisse Global Wealth Report. Maybe the rich have certain secrets to accumulating wealth -- but that doesn't mean what they know has to remain a mystery. Learn about strategies that you can use so you can build your own wealth, too.

Spending Must Align With Goals

One of the keys to being rich is having goals, said Michael Kay, president of Financial Life Focus and author of "The Feel Rich Project."