#'would you like to sign up for our consumer card? the interest rate is 36% so you'd be paying for everything twice in three months :)'

[stormyjune]

hilarious that when my job relies on a certain number of referrals i quit as soon as possible, but when someone in another department says "if you send me a referral i'll order pizza" i get five in three hours

[cassh24sg]

Americans’ Biggest Financial Regrets of the Decade

© iStock.com / iStock.com

The old adage often sounds true – in hindsight it is 2020. Everyone makes mistakes, and many of those mistakes involve money. Many financial decisions may seem like a good idea right now, but a few weeks, months, or even years later you realize that they weren’t the best choice.

Small Business Spotlight 2021: Take a look at our Small Business Stories and the nominated companies in your area

A 2019 poll by Policygenius reveals Americans’ biggest financial regrets of the decade. If you’ve ever made a major purchase that you regret or decided to spend money when you should have saved – admit it – you are not alone.

The good news is that financial mishaps can be corrected. If you are ready to make meaningful changes, you can break out of an uncomfortable financial situation. This can come with hard sacrifices and / or overtime, but it will be worth it in the end.

Here’s a look at key financial regrets, along with advice to help make the problem a thing of the past.

Last updated: June 29, 2021

Tallinn, Estonia – September 24, 2014: Visa and Mastercard credit cards with the leather wallet in the background.

1. Credit card debt

Credit card debt can creep in easily. Whether you have to wipe away the plastic to pay for an unscheduled expense or let yourself be tempted by something funny – e.g.

A quarter (25.1%) of people age 35 and older say they have credit card debt as their biggest regret of the decade. 21.5% of 18 to 34 year olds who share this opinion are slightly lower.

Find Out: 31 Stupid Things That Keep You From Getting Rich

Overhead view of stressed woman trying to find money to pay off credit card debt.

How to Address Credit Card Debt

When you have credit card debt, you are in good company. Consumer credit card debt hit a record high of $ 829 billion in 2019, according to Experian. In addition, retail credit card debt was a record $ 90 billion.

Now is the time to stop being burdened with credit card debt. When you’re ready to take action, add up all of your balances so you know where you stand. Then decide whether you want to take the avalanche approach – pay the cards with the highest interest first – or the snowball approach – pay the lowest balance first.

The story goes on

Take a look at your spending to find ways to tighten your budget so that you have extra cash to pay off credit card debt. You might even consider using cash only for a while to keep your balance low.

Read more: 36 things that are worth the money

Graduation Mortar Board Cap on One Hundred Dollar Bills Concept for the cost of a college and university education.

2. Debt on student loan

For millions of Americans, taking out student loans is a necessary evil. Essentially, if you want to make top dollar in the workforce, you have to spend money to graduate. Some students can avoid or at least contain this with scholarships and family financial support. Others, however, have the burden on their shoulders for years after graduation.

Overall, 22.7% of 18- to 34-year-olds very much regret their student loan debts. Interestingly, only 12.1% of people aged 35 and over feel the same way.

Find out: Biden wants to close Schufa – what would that mean for you?

Young businessman sitting at the table in office and using smartphone.

How to Get Rid of Your Student Loan Debt

For students who have borrowed money, the average student loan debt is $ 30,000, according to US News.

Start paying off your debt by doing an inventory of the different loan types to see which are the most expensive. You might also consider consolidating certain loans, making bi-weekly payments to lower interest rates, and signing up for automatic payments – which can lower your interest rate by 0.25%.

Also, if you can swing it, try paying a little more each month. For example, Sallie Mae notes that with a current loan balance of $ 10,000, at 8% interest and a 10 year repayment period, an additional $ 20 per month will save you $ 983.15 and your loan in eight years and a month.

Get Help Save: 14 Totally Free, Easy-to-Use Budget Templates

Jar with coins

3. Not saving enough for retirement

When you first start your career, retirement can seem so far away that it is easy to put off planning for it. However, failure to save for your golden years can lead to regrets.

For example, 18.2% of people age 35 and over name retirement delaying as their biggest financial mishap. Of the 18 to 34 year olds, 11.7% share this opinion. The lower response from the latter could suggest that more people have started saving for retirement, but it’s also likely they aren’t as concerned just yet because retirement is so far away.

See: Pensioners confess what they would have liked to have done with their money

couple saves money

This will save you more for retirement

Fidelity recommends saving at least 15% of your pre-tax income each year for retirement. This includes any contributions you get from your employer, which can make a world of difference. For example, if your employer pays up to 6% of your contributions, you would only have to save 9% of your input tax income each year.

If this number seems overwhelming, start slowly. Review your expenses to look for expenses that can be cut. For example, start making your morning coffee at home every day and put the money you save in your retirement account. A few small changes can make a big difference.

Bad Credit: 30 Things You Can Do That Can Mess With Your Credit

Young couple buying a new house.

4. Buy a house

Owning a home is a symbol of the American dream, but it’s not always a happy ending. Many homeowners move in and quickly find that mortgages, taxes, maintenance, and other expenses add up quickly – sometimes too quickly.

As a result, 8.1% of 18- to 34-year-olds regret the excessively high spending on home ownership the most this decade. A little less 7.2% of 35 year olds and older are of the opinion that their current living situation is too expensive for their budget.

Tax season: the 6 most important tax deductions you need to claim

Real estate agent talking to young couple about buying a new house

This is how you solve your housing problem

When you first bought your home, you thought the monthly expenses associated with it were reasonable. However, things have changed. Whether you’ve lost your job, taken a cut in your salary, or just found that owning a home is way more expensive than planned, you know you’re overwhelmed.

There are a number of steps you can take to resolve this issue. You can refinance your mortgage, take on a tenant, or get some extra income. However, you could also decide it is time to throw in the towel and sell the house.

The latter option could pay off as it is currently a seller’s market. According to Realtor.com, the average home price was up nearly 15% year over year in September 2020.

senior woman putting coin in piggy bank.

5. Lack of emergency savings

Among many other lessons, the economic consequences of the COVID-19 crisis have underscored the importance of a solid emergency savings fund. Unfortunately, millions of Americans who have lost their jobs or been forced to cut wages did not have this financial cushion to fall back on.

Although this survey was conducted before the pandemic, people in both age groups understood the importance of having that cash on hand. Almost a fifth (19.3%) of people aged 35 and over said their biggest financial regret was the lack of emergency savings, followed by 17.3% of 18 to 34 year olds.

Find out: that’s how much emergency cash you need stowed away

Shot of an elderly couple proudly posing with their savings glass.

How to fix your lack of emergency savings

Life is unpredictable so you never know when you will need money fast. An unplanned doctor visit, home repair, or job loss can easily cause major financial setbacks. Experts therefore recommend investing expenses of at least three to six months in an emergency fund.

If you do not currently have an emergency fund or if you lack the necessary funds, don’t panic. Start working now to put money aside for a rainy day. Do this by cutting unnecessary expenses – ordering less take-out – pursuing money-saving opportunities – cutting out grocery sales and coupons – and taking on a side job to make extra cash.

More from GOBankingRates

This article originally appeared on GOBankingRates.com: Americans’ Biggest Financial Regrets of the Decade

source https://www.cassh24sg.com/2021/06/29/americans-biggest-financial-regrets-of-the-decade/

[arizonaautogroup]

Buying a Car With Bad Credit: When buying a car, those of us with credit problems would love to wave a magic wand and have our credit score instantly skyrocket from 500 to 700, right? If only. This fantasy, though, keeps hordes of so-called credit-repair agencies in business. You’ve watched their ads on TV, seen their claims on billboards and even noticed their contact info on those little wire-and-paper signs at the top of an exit ramp. “We’ll raise your credit score!” “We’ll erase your bankruptcy!” “We’ll fix your credit report!” “You’ll be able to finance that new car you want!” they claim. Sounds like the answer to your prayers, doesn’t it? Well, maybe. But anything they can do, so can you, and usually for free. Can Credit-Repair Companies Help? For example, paying a neighbor’s kid to mow the lawn because you don’t want to bother is fine, but if you took the time, you could do it yourself. It’s pretty much the same with credit-repair agencies charging hundreds of dollars. If you’re willing to pay someone else to avoid a little hassle, knock yourself out, but it doesn’t make sense. A credit-repair agency will charge you to fix the very same things that you can fix on your own. There are no magic wands and there are no quick fixes. The Federal Trade Commission, the nation’s consumer-protection agency, goes so far as to advise that companies claiming that they can remove bankruptcies, judgments, liens and bad loans from your credit file probably aren’t legitimate. “Anything a credit-repair company can do legally, you can do for yourself at little or no cost,” it states in its report entitled “Credit Repair: How to Help Yourself” on its website. Still determined to hire a credit-repair company? Be sure to check the company out with the Better Business Bureau. If there are any unresolved complaints, move on to the next one. If you do end up picking one, know that there are some regulations that the company must follow. To help protect consumers from unscrupulous credit-repair companies, Congress passed the Credit Repair Organizations Act. It makes it illegal for credit-repair companies to make false promises about what they can do for a consumer with damaged credit, or to collect a fee before performing their services. Such agencies must provide a contract specifically stating what services they will perform, how long results will take, the total cost for those services and any guarantees that they make. All for Naught? Sadly, whether you take all the steps necessary to rebuild your credit yourself or you enlist the services of a credit-repair agency, securing a car loan from a mainstream lender — such as a bank, credit union or the lending division of an automaker — may be months or years away. Neither you nor even the most effective credit-repair company can fix things overnight. There is some good news, however. If you absolutely must buy that car tomorrow, there is almost always a lender out there somewhere that will take a chance on borrowers with a full-time job and an address, despite a rocky credit past. Some car dealers even advertise financing for borrowers with bad credit or who are recently out of bankruptcy. An Internet search for “car loans with bad credit” produces all manner of websites ready to loan money to borrowers with spotty credit. Borrowers financing through such lenders, however, should expect to pay interest rates far above today’s 4.5-percent average for 36-, 48- and 60-month auto loans. Think double-digit interest rates. If buying a car can wait, here are some steps to take to rebuild your credit and elevate your credit score: Order Your Credit Reports Three agencies collect and report consumer credit information nationally: Experian, TransUnion and Equifax. Each is required to provide you with a free copy of your credit report every 12 months if you request it. Go to Annual Credit https://qoo.ly/35gyzz to order your reports. Because these agencies don’t share their information with one another, you should have one from each agency. Fix What You Can Scour each report for errors and duplicate information. These bureaus only report the information that creditors provide. Sometimes it’s incorrect, outdated or duplicated. Each credit bureau has a procedure for disputing erroneous information. They, as well as the creditor reporting it, are responsible for correcting it. Also, address any other negatives you can, such as paying off balances turned over for collection or catching up on past-due payments. Open New Accounts Reestablishing your credit requires opening new accounts and making timely payments. Gasoline companies and major department stores are historically more receptive to issuing credit lines to credit-challenged consumers. There are also banks that will help jump-start your credit with a charge card secured against a balance you have on deposit with them. Fixing your credit enough to finance a car will take some time. Do it yourself, and you’ll save some money

[thisdaynews]

Premier League 2019-20: What are the trends of the season so far?

New Post has been published on https://thebiafrastar.com/premier-league-2019-20-what-are-the-trends-of-the-season-so-far/

Premier League 2019-20: What are the trends of the season so far?

We’re only days into September but more than 10% of the 2019-20 Premier League season has already been voraciously consumed.

Some things, like Liverpool and Manchester City pulling away from the rest, seem only too familiar.

But others, like the longing gaze at the video assistant referee (VAR) decision on the big screen and the new goal-kick rule, seem utterly new.

What, then, are the key trends from the opening few weeks of the season?

VAR has had less of an impact than you might think

The establishment of our new VAR overlords in Stockley Park was always going to make for an intriguing period but despite some high-profile reversals in the opening few weeks, it seems the officials have been determined the league’s new system of justice should not have too major an impact.

Who can forget the 2018 World Cup, which saw 29 penalties, shattering the record for a single tournament, as VAR honed in on grappling and barging?

This season, in the Premier League, there have been only nine spot-kicks awarded (a third of them to Manchester United), which is below average for the past 10 seasons.

Indeed, back in 2012-13 when video referees were the stuff of science fiction, seven penalties were awarded on the opening weekend alone.

It’s a similar story with red cards, with the five this season being only half as many as at this stage two seasons ago, and four fewer than last term.

How seasons compare after four weeks Season Penalties Red cards 2010-11 14 9 2011-12 15 7 2012-13 15 6 2013-14 11 5 2014-15 5 5 2015-16 8 11 2016-17 15 2 2017-18 5 10 2018-19 14 9 2019-20 9 5

Overall, of more than 30 incidents that have been played out on the big screen so far, only six decisions by the on-field officials have been overturned.

Intriguingly, two of those have ruled out goals for Manchester City striker Gabriel Jesus (away to West Ham and home to Tottenham) and those have been the interventions that have driven the most debate about the new system.

Tiny signs that the furious arguments may settle down as the season progresses were seen in matchweek four as only three incidents went to VAR and all of them backed the referee’s decision.

Good officiating or reluctance to cross to the leafy judgement palace of Stockley Park?

Maybe we need VAR for the VAR.

Brighton love playing out from the back as much as Man City

Another change for the Premier League (and football in general) in 2019-20 is the new goal-kick law.

Previously the ball had to be played outside of the penalty area before being touched by a team-mate, and in the long-ball era of the 1990s and before, this was not an issue.

A Mitre ball, pumped up harder than the surface of one of Jupiter’s moons, would be “distributed” upfield by a goalkeeper in remarkably high shorts and play would commence in the immediate vicinity of the halfway line.

Now goalkeepers can stroke a short one inside the box (I posit that this is the most unsettling visual change to football since the backpass law in 1992, it’s certainly taking longer to get used to than the one-man kick-offs) and stretch the play.

Proportionally, Manchester City’s Ederson jointly leads the way in short passes from goal-kicks with Brighton’s Mat Ryan (69%), but the Albion man heads the division in terms of raw numbers, with 22 of his goal-kicks being played to a team-mate inside the box, putting him just ahead of the north London pairing of Bernd Leno and Hugo Lloris.

At the other end of the spectrum, Watford’s Ben Foster has hit almost as many goal-kicks (two) to the other penalty area as he has in his own (three).

A few other goal-kick highlights include:

All of Ederson’s goal-kicks are either stylistic penalty-box modernism or absolutely gigantic pitch-length knocks. Truly a man for all seasons.

Liverpool’s Adrian really likes left-back Andrew Robertson.

Wolves keeper Rui Patricio is one of four keepers yet to attempt a goal-kick to a team-mate inside the box, along with Sheffield United’s Dean Henderson, Newcastle’s Martin Dubravka and Burnley’s Nick Pope. Patricio also loves the right-hand touchline, hardly befitting a man in the number 11 shirt.

West Ham’s Lukasz Fabianski tried a short goal-kick once but didn’t enjoy it and went back to the old style.

Salah really isn’t selfish

Sadio Mane and Mohamed Salah tied for the Golden Boot on 22 goals last season, along with Arsenal’s Pierre-Emerick Aubameyang

The most memorable image of last weekend was Liverpool forward Sadio Mane’s fury after his substitution at Burnley.

The apparent cause was Mohamed Salah’s decision not to pass to his team-mate, which makes you wonder if sharing the Golden Boot last season was a source of irritation rather than collegiate pride, and has led to the resumption of one of 2018-19’s most facile debates: is Salah selfish?

Given that Salah has scored or assisted 77 goals in 78 Premier League appearances for Liverpool, and that this is the first time in the club’s top-flight history that they’ve won their opening four league games for two seasons in a row, it is fantastically unlikely that Jurgen Klopp cares one bit.

Even so, is Salah selfish? Well, there’s no definitive way of judging this but a reasonable proxy is surely the ratio of big chances created by a player to the big chances he’s taken himself.

Of course, there’ll be plenty of the former where the only real option was to pass to a better-placed team-mate, and lots of the latter where he himself was in that position just described, but even so, a deviously selfish player’s ratio of created-to-taken would surely be unbalanced, and as the table below shows, Salah’s is anything but.

Player (August 2018-now) Big chances created Big chances for himself Ratio

Premier League only

Ryan Fraser 29 8 3.6 chances created to chances for himself David Silva 19 11 1.7 Eden Hazard 18 18 1 Mohamed Salah 17 36 0.5 Kevin de Bruyne 17 1 17 Andrew Robertson 16 0 – James Maddison 15 8 1.9 Trent Alexander-Arnold 15 1 15 Raul Jimenez 14 21 0.7 Callum Wilson 13 32 0.4 Raheem Sterling 13 27 0.5 Gylfi Sigurdsson 13 16 0.8

Hats off to the departed Eden Hazard, who managed to achieve a zen-like 1:1 rate last season, but Salah’s ratio of one big chance created for every two for himself is the same as Raheem Sterling in the same period, and few people are calling the Manchester City man greedy.

Andrew Robertson and Trent Alexander-Arnold appear on this list of most big chances created, naturally, but where are Roberto Firmino and Sadio Mane, presumed victims of Greedy Salah’s Monstrous Appetite?

Firmino’s numbers are very similar to Salah’s, with 10 chances created, and 21 for himself for a ratio of 0.48, but Mane’s are nine created and 29 for himself (0.31), meaning that in this semi-scientific study it is the supposed victim of the selfishness who is the least generous of all.

In truth, though, those numbers just reveal how stellar Liverpool’s front three are. Double up on one and the other two will destroy you. Divert all your resources to stopping them and watch as you open up oceans of space for the two full-backs.

In attacking terms this is gluttony more than greed.

It’s probably too early to look at the table. Maybe

If you believe those who can remember the old days then not only did nobody even glimpse a league table until mid-autumn but even expressing an interest in how the division was shaping up was an actual criminal offence.

The late 1980s was a world where live television coverage of England’s top flight only started in October once the clocks had gone back, on the genuine reasoning that people would only fully concentrate on First Division football once the opportunity for gardening had been reduced.

Now we luxuriate in the table at half-time on the opening day, and why not. The three highest points totals in English top-flight history have occurred since May last year so not looking at the standings early on is tantamount to missing the first act of a play.

As we learned above, Liverpool have won their opening four in consecutive seasons for the first time (and only the fifth time overall), while City have averaged 9.2 points in their opening four games this decade, last losing against Mark Hughes’ Stoke back in 2014.

Ten points from four has been enough for Pep Guardiola in each of the past two campaigns, so the two-point gap to Liverpool won’t be concerning him yet.

Elsewhere, this season was the first since the 1950s to see 15 or more teams on exactly one win after three games and the first time since the early 1980s that there had been 19 or more teams with at least three points after three games.

After getting thumped 5-0 and 4-0 respectively on the opening weekend, West Ham and Chelsea are showing signs of bouncing back.

No team has let in five in their opening game and finished in the top six since 1913-14, while the last team to let in four on the first day and win the title were Everton in 1984-85.

Tottenham, meanwhile, have already drawn as many league games – two – this season as they did in the whole of 2018-19.

What does it all mean? At this stage, I’m afraid it, er, may be too early to tell.

Read More

[ninety9percent]

Comments on Joe Biden’s Ad soliciting donations

Joe Biden sponsored this ad on FB. There were interesting comments. Sharing some. Not surprisingly only “Vote Blue No Matter Who” people support him. Comments are being presented as is - no editing. First his ad:

As a top Democrat, you’ve been selected by the Biden for President campaign to share your top priorities with Joe! We need your answers by midnight tonight, so don’t delay. Click below to begin the survey:

MaryBeth Sjostrom Pasmore 

✅Opposes Medicare For All ✅Opposes legalizing marijuana ✅Supports the death penalty ✅Wrote the 1994 crime bill ✅Voted for DOMA ✅Voted for NAFTA ✅Voted for Iraq War ✅Voted for PATRIOT Act. Takes money from health insurance, corporations. ... no, I won't vote Joe.

Jenny Miles 

Sorry Joe, you are exactly the opposite of what's needed. Too many reasons: 1. “The younger generation now tells me how tough things are—give me a break... No, no, I have no empathy for it, give me a break.” 2. “Trump is not a bad man” 3. Biden praises former Republican Senator who was forced to resign after 19 sexual harassment complaints. 4. Referred to immoral moneylenders as Shylocks - insulting and offending Jews 5. Supported attacks on Anita Hill (who had accused Clarence Thomas of “ inappropriate sexual behavior“) and refused to call witnesses who could testify in support of her claim. 6. Wrote 1994 Crime Bill heralding “the era of mass incarceration“ 7. Wrote 1995 Omnibus Counter Terrorism Bill “ allowing the Government to use evidence from secret sources in deportation proceedings “ (despite claiming to oppose that section he introduced the bill), and included 1st Amendment violating “anti freedom of association” provisions (became Patriot Act) 8. Opposed marriage equality; “ No. Barack Obama nor I support redefining from a civil side what constitutes marriage” (has since changed) 9. Voted in 1999 to repeal Glass Steagall - leading to (as expected) the financial crisis 10. In 2001 voted for Patriot Act, emphasizing that it was essentially a copy of his 1995 Omnibus Counter Terrorism Act 11. In 2002 Voted for “illegal” Iraq War 12. In 2005 Voted to end bankruptcy protection for students [ Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) ] 13. In 2018 Presented George Bush with Liberty Medal “presented to individuals for their commitments to veterans “ 14. “I am not Bernie Sanders. I don't think 500 billionaires are the reason we're in trouble. The folks at the top aren't bad guys”. 15. Supported Civil Asset forfeiture, even without an arrest or conviction 16. Pushed for “Cabinet Level Drug Czar” to punish “drug crime” 17. “The punishment should fit the crime. But I think [marijuana] legalization is a mistake. I still believe [marijuana] is a gateway drug.” 18. Opposed spending money on drug research (including medical) on any Schedule 1 drug 19. Supported and introduced mandatory minimum sentences for drug offenses that saw “the average federal drug sentence for African Americans was 11% higher than for whites. Four years later, the average federal drug sentence for African Americans was 49% higher”. 20. Despite the strong anti drug stance, his daughter was arrested for drugs (and a decade later caught on video allegedly snorting cocaine), but there is no evidence of a conviction or asset seizure. 21. Again, despite the above, when his son tested positive for cocaine, there was no conviction and no asset seizure. 22. Supported Militarization of the Police - that had no effect on reducing crime, but is correlated with higher rates of police discrimination against minorities (blacks) 23. Unable to “think of any reason not to run for President” 24. MBNA Credit Card Company in his home state was his biggest donor between 1989 amnd 2000. Biden voted against a measure requiring credit card companies to warn consumers of the consequences of making only minimum payments (and others). MBNA hired Biden’s son, Hunter, as a lobbyist straight out of law school, and later hired him as a consultant from 2001 to 2005 — the same years Biden was helping to pass the bill 25. Ukraine’s biggest private gas producer (whilst under investigation for corruption) hired his son to serve on its board while Biden was acting as the Obama administration’s point man on Ukraine policy. 26. A mid-sized construction firm Hill International won a $1.5 billion contract to build 100,000 homes in Iraq had Biden’s brother, James, as its executive vice president, despite lacking any experience in residential construction prior to joining the firm. 27. One of the Senate’s top twenty-five earners of outside income — and, along with twenty-two others on that list (of top earners), voted against a bill to limit such earnings. 28. In 1979, after receiving donations from Coca-Cola, Biden cosponsored and voted for legislation that let the soft-drink industry get around antitrust laws. 29. The same year, he voted against a measure before the Judiciary Committee to expand consumers’ rights to sue over price-fixing — one of only two Democrats to do so. 30. Has a very close “revolving door” relationship with lobbyists 31. Vehement opponent of school busing implemented to tackle racial segregation 32. Opposed a deficit reduction military spending freeze, and supported an increase in the retirement age 33. “I have the most progressive record of anybody running" 34. Has NOT signed pledge not to accept money from fossil fuels industry 35. “rejection of the whole movement of black pride.” 36. After being accused by seven women of “inappropriate touching” , hugs kids, and makes jokes about it. 37. Offered Ukraine $1Bn to sack their prosecutor 38. Supports a number of anti abortion measures 39. Proud of his support for the death penalty for a wide range of offenses 40. No statement on pledge rejecting corporate money 41. No statement on GND (Green new Deal) 42. No statement on fossil fuel money pledge 43. No statement on support for universal healthcare 44. No statement on "free" college education 45. No statement on abolishing Electoral College 46. No statement on supporting whistelblowers exposing government criminality 47. No published tax returns for 10 years 48. No declared statement opposing Israel genocides in gaza 

- via Dennis Freeland

Lindsay Shugerman 

Don't run. Please don't run. We don't need another corporate paid shill. Medicare for ALL, no fracking, free public college, livable wages (for real), end to Citizens United and lobbyists buying power. Renewable energy, not oil. In other words, NOTHING you support.

Matthew Pace

There is only one priority. Get the Orange Menace evicted from squatting in the WH; stabilize the government and pass it off to peaceful elections in 2024. The insanity in the WH has to end.

Josh Ruppert - Matthew Biden is just as bought why don't you research before running your mouth. Biden is put as a candidate because the DNC wants to loose. If Bernie wins their slush money goes bye bye.

Hugh Stearns  - This anti-intellectual trope is brought to you by the DNC. How, before the primary, does it make any sense to interject anyone but Trump? Of course, we want anyone but Trump. This is an attempt to suggest that we must suffer another centrist candidate or risk losing to Trump. This is the same argument that was used against the more progressive candidate last time. If we want to beat Trump and future Trumps we better think critically about the elitist element of the Democratic Party and question their authority.

Allen Heinzer 

My top priority is for Biden to withdraw and support Bernie

Allen Heinzer - Biden is a republican lite there is no establishment democrats they all just democrats in name only Fdr was a democrat Look up his record If democrats would run on that they’d never lose

Allen Heinzer - Ask yourself if he is a democrat why didn’t him and Obama give us universal healthcare when they had super majority in all 3 branches

Nancy Hollister Kozlenko -  Allen Heinzer I hope you support who ever represents the Democratic Party and not go off in a huff if your guy or gal doesn’t win. That’s how Trump got in!

Lin Bower - Martha Korte Get real,Bernie is a back stabber.He was such a good friend to Hillary until she beat him .Then he wasn’t.A person like that is not Presidential material.

D Kim Sayre-Arnold  - Gary Bailey And Bernie WAS THE SPLITTER IN 2016!!! HE NEEDS TO STICK TO HIS OWN PARTY, and please, stay out of mine.!

Pamela Jarvis - Allen, that about sums it up. Biden announced his run at $2,000 a plate fund raiser with corporate CEO's. I am voting Bernie. I may be old but I am hanging with the young progressive's choice..feel the Bern

Tammy Fox Sorry 

my top priority is getting Bernie Elected.

Charlotte Arnold - Bernie cost us the last election. Republicans have a lot of crap on Bernie they are going to release if he wins the primary. Bernie will not win.

Lezli Magnani - Charlotte Arnold Bernie did not cause that loss!! The DNC shoving Hillary down people’s throats caused that loss. Again, the clearest candidate that can beat Trump is being ignored by the corporate democratic party. Joe will not be shoved down our throats either. Please just follow the money-look where Joe is getting his money from-always follow the money

Rebecca Sake - D Kim Sayre-Arnold once you take your corporate owned Republicans out of our Democratic Party then you’ll see Bernie is in the right place. And Bernie didn’t split anything, your candidate was too weak to win. #BernieWouldHaveWon

Rebecca Sake - Me too, #HealthCareForAll will only be attainable with #Bernie2020 Biden is backed by big pharma & Comcast. He's not a man of the people and he's out to make his corporate donors happy.

Rebecca Sake - Kim Crane they weren’t her votes to begin with. And every chance she had to earn those votes were blown by her own decisions, remember she said she didn’t need the progressive dems. You can think he took away millions of votes all you want, doesn’t make it true. The truth is, she never earned the votes she needed to win. End of story. Stop blaming everyone but the one who lost the easiest victory ever.

Rebecca Sake - Kim Crane actually it was Hillary supporters who, in larger numbers refused to vote for Obama. In 2016, Hillary failed to even try to court progressive votes. Most of us had very specific reasons to not vote for her, and her cheating her way into the nomination made it very easy to vote third party. A very small percent voted Trump but the majority voted third party. Btw you earn votes, they aren’t given because of the fear of the other candidate. It might also surprise you to know Hillary helped trump in the early primaries because she felt he’d be the easiest to beat. You guys forget that a lot while you’re trying to shame people for not voting for the most owned candidate in history. Your lack of insight and foresight is more to blame for a trump presidency than our educated choice of voting.

Anita Concilio 

Health care Joe - and parity for women in the workplace and as citizens of the world. Child care, education, and for goodness sake, job training for the families in the midwest who have lost manufacturing and farming. Oh, and also, immigration reform, like amnesty maybe? Middle class needs some significant help. And campaign financing reform, oh, the list is so long. But I have faith that a Biden administration would focus on the things that will make America respected again.

Nicole F Sharpe 

Joe, your time has come and gone by. You've made too many "bi-partisan" compromises that have hurt too many people, especially women, in your need to be liked. We can't trust you to do the right things in office because we know you'll cave to political expediency at the people's expense. You may get the DNC nod but you won't be elected, and we need a candidate that can be elected. Please bow out of the race now and put your support where it will do some good instead of sapping the strength of more viable candidates

Ashley Smuts Pizzuti 

Joe - what are you going to do about your history with student loans? I know you love those lenders. We know your history. But you are very out of touch with a problem you helped create.

Mary Nikas 

We have predators on our streets that society has in fact, in part because of its neglect, created," said Biden, then a fourth-term senator from Delaware so committed to the bill that he has referred to it over the years as "the Biden bill." "They are beyond the pale many of those people, beyond the pale," Biden continued. "And it's a sad commentary on society. We have no choice but to take them out of society." In the speech, Biden described a "cadre of young people, tens of thousands of them, born out of wedlock, without parents, without supervision, without any structure, without any conscience developing because they literally ... because they literally have not been socialized, they literally have not had an opportunity." He said, "we should focus on them now" because "if we don't, they will, or a portion of them, will become the predators 15 years from now." Biden added that he didn't care "why someone is a malefactor in society" and that criminals needed to be "away from my mother, your husband, our families."” https://www.google.com/.../biden-1993-speech.../index.html

Laurence Bridge 

Medicare & the cost of long term care is the most important concern for those of us who having worked and saved all our working life,can end up in a facility that was once called the workhouse.Untrained staff, disgusting food,left to lie in our own waste ,to the tune of thousands of dollars from our life time savings,for these disgraceful places called LONG TERM CARE, perhaps our politicians should be forced to take a long look at the Chinese system,who treat the elderly with dignity in the twilight of their lives.

Cathy Sullivan

i'm going with .. go away Joe Biden .. we can't afford to lose to trumpy again. Make sure Hillary leaves with you

Deborah Birdsong

#NoJoe No more corporate democrats who run their campaigns using special interest monies!  #OverturnCitizensUnited#Bernie2020

Mary Nikas 

“Biden, by contrast, has been a bag man for big corporations for his entire career. Delaware is like the Luxembourg of U.S. states — a tiny tax haven and flag of convenience for corporations who own the local political system outright, and Biden is no exception. His economic policy career has been one disgrace after the next — sponsoring or voting for multiple rounds of financial deregulation, trade deals that savaged the American manufacturing base, and bankruptcy "reform" that made it much harder to discharge consumer debt (and nearly impossible to get rid of student debt). It's no surprise at all that on the same day he launched his campaign, Biden held a fundraiser including several corporate lobbyists and Republican donors at the home of a Comcast executive.”

Jeffery Ansani

Perfect example of his stupidity. Did he send this to all the "disaffected" white working class males who voted for trump in 2016 whose votes he needs to capture to beat trump? He's so arrogant he thinks his mere presence in the race is enough. And secondly, if I'm a Right Wing Fuckhead I use this to Demonstrate that he doesn't give a FUCK about ALL Americans' concerns. Like taking candy from a baby dinosaur. It's a transparent attempt to bolster small donor roles, nothing more. Seriously! All he has to do is look at the polls. We overwhelmingly FAVOR a Green New Deal, money OUT of politics, Medicaid for ALL, sensible gun laws, reasonable and humane immigration reform, free college, and just about every other Progressive proposals. WAKE THE FUCK UP DEMOCRATS! And when you do, smarten up too. These people have failed you for thirty years while Bernie has been FIGHTING for you. He's the only choice. For Robert Paul PaulKarla Jen Lynn Jannon and any others who may be thinking Joe is a good option. He's not. Look at the polls. Not the candidate polls but the issues ones. You'll see very clearly, he's out of touch. Don't argue with me, he's not the one.

[fnewstoday]

IKEA® Visa® Credit Card Review For The consumer, What Is The Profit?

Credit cards offer today a lot of different programs with their advantages for different consumers with different needs and demands. IKEA® Visa® is one of the options that can offers reliable rates, as well as a program to receive rewards when making a purchase from certain categories. Today, we offer a credit card review that will help you find out if IKEA® Visa® is worthy of being one of your credit tools. Like all other credit cards, IKEA® Visa® has its advantages and disadvantages, which depend on your needs and lifestyle. You can earn a lot of rewards by making purchases, but this credit card has a non-flexible incentive program, which can limit your expenses in small quantities every month. What you need to know about IKEA® Visa® credit card So, what can IKEA® Visa® credit card review tell potential users about? Read on to determine for yourself how it suits you in your lifestyle, as well as depending on your requirements for credit cards. The IKEA® Visa® credit card is a great way to earn rewards, with solid reward rates for a store card, in almost any place where Visa® cards are accepted. You get the maximum cashback of 5% in rewards in US dollars for IKEA purchases, including Traemand and TaskRabbit, which is one of the highest results. You will also receive 3% in the form of reward when paying utility bills, buying groceries and food. In addition, you will receive 1% back in Rewards Dollars on all other purchases. Until your balance reaches $ 15, the Rewards Dollars will accumulate. After that, they are converted into a certificate and automatically issued along with your monthly account statement. You can also get a $ 25 bonus certificate when you sign up for the card, provided you spend $ 500 or more outside of IKEA, Traemand and TaskRabbit during the first 90 days after registering your IKEA® Visa® card. The IKEA® Visa® store credit card has reward rates in the bonus categories that are valid without annual fees. Also, you can get the best reward rate for making purchases using a simple credit card with a refund, such as the Citi® Double Cash Card in non-bonus categories. Thus, you can get 2% cash in the form of a cashback Citi card when paying for purchases, also without having to pay an annual fee.

IKEA-stores-are-most-often-located-near-large-cities IKEA® Visa® credit card review will introduce us to all the pros and cons of this card The simple process of applying for registration IKEA® Visa® credit card does not complicate your life, since in this case it is only this credit card that is considered, and not all that the issuer currently has different credit cards. You only get what you came for. You can get this credit card by going through the most simple application process. Also, with its help, you will earn IKEA rewards for purchases almost everywhere. The IKEA® Visa® credit card review tells us about disadvantages that include the fact that it has a high interest rate and can lead you to large monthly payments for the use of credit funds that you will use after the expiration of the grace period. In addition, certificates of reward have a short period of validity and are issued automatically in small portions. Among other things, the shipping charge can be quite high when shopping online. Thus, it may take a long time to earn your rewards. In order to receive a $ 15 reward certificate, that IKEA® Visa® credit card review tells us that this can be costly. You will have to pay $ 300 for IKEA, $ 500 for utilities, food or groceries, or as much as $ 1,500 for other purchases to earn $ 15 in rewards. This process can be accelerated if you buy furniture that is generally more expensive, but usually you do not buy furniture monthly, and using the IKEA® Visa® credit card for all your purchases may not always be beneficial due to a fairly high interest rate. Another significant disadvantage is that certificates have a short duration, only 45 days, and Premium Dollars 36 months, after adding them to your IKEA® Visa® credit card balance. Also, the automatic issuance of certificates limits your ability to manage your rewards. You risk spending more than you originally expected because of this reward system. IKEA® Visa® credit card review shows us that it will most likely be relevant and beneficial for those who regularly make purchases in IKEA stores Regularly check your account to be able to opt out of autopayment and see the availability of reward certificates. This will make it easier for you to manage your account and your rewards for use. The location of IKEA stores will not work for everyone IKEA stores are most often located near large cities, so it may not be convenient for you to use an IKEA® Visa® credit card online, however, in this way, delivery charges can be quite expensive for you and it can completely eat your rewards. For the delivery of small items you will have to pay from $ 9, and large items can cost you $ 39, which means there will be quite a lot of rewards. The annual interest rate is quite high, but not so much when compared IKEA® Visa® offers a relatively high interest rate with average US  credit card and offers of 21.99% per annum for your purchases. However, if we compare this indicator with cards from other stores, this is quite a good deal compared to the average 27% interest rate of credit cards in other stores. However, it should be borne in mind that if you use the IKEA® Visa® credit card to transfer the balance, the interest rate will rise to 23.99%. On the other hand, you can get on one of the regular promotional offers from IKEA® and get a discount, an additional grace period or a delay in the payment of interest rates. Who would benefit most from an IKEA® Visa® credit card? IKEA® Visa® credit card review shows us that this credit card will be an ideal option for those who like to make frequent changes to their home and live close to one of the IKEA stores. In order for the IKEA® Visa® credit card to be profitable, you will need to make purchases at the indicated stores at least once a month. Also, your business can be tied up with furniture of other people's houses, then you will regularly purchase something in IKEA stores and you can earn quite large rewards. Apparently IKEA® Visa® credit card is not an offer for everyone, but for those described above, this would be a good enough option to earn rewards. If you do not treat to these people, then you can consider many other options by reading our financial blog. Read the full article

[meraenthusiast]

Dave Ramsey Mortgage Advice – Should You Buy A House With Student Loans?

Dave Ramsey Mortgage Advice – Should You Buy A House With Student Loans?

A topic about mortgages appeared recently on Dental Town, which is the world’s largest online community for dentists. The post discussed a video (see below) in which the wife of a recent dental school grad that called in to get some Dave Ramsey Mortgage advice.

  She informed Dave that his first year salary was going to be $120,000 and that he had amassed $480,000 of private school student loan debt. Ouch!

Her question to Dave was, “Should we continue renting, or can we purchase a home with student loan debt?”

An Overview of Rising Dental School Debt

According to the American Student Dental Association (ASDA), 2017 dental students graduated with an average dental school debt of $287,331—an increase from years prior.

Source: asdanet.org

If historical trends continue, it is likely the debt load will continue to grow in both dental and medical school. Nothing ever gets cheaper, right?

Private Dental Schools vs. Public Dental Schools

Just like college, the amount of debt dental/medical students accumulate greatly depends on where they choose to attend school. On average, public schools offer lower tuition rates than private schools.

I know many times, college students trying to get into medical/dental school will apply to multiple schools and hope they’re accepted to anyone of them. One recommendation would be to take some time to compare the financial differences between the schools you’re applying to.

Whenever I was applying both to dental school and then to a residency, the cost of tuition played a major factor. Some of the private schools with higher tuition rates were MUCH easier to get into than some of the lower cost public schools.

I wanted to limit the amount of student loan debt I was going to have to repay so I kept my list short with only public schools.

Should You Buy A House With Student Loan Debt?

In the above video, Dave Ramsey recommended that the new dentist pay off his $480,000 of private school loans and continue renting BEFORE buying a house.

What do you think? In this situation, I would tend to lean more toward paying off the loans before acquiring more debt. I agree with Dave on most of the things he preaches and this is one of them.

Too many doctors complete training with loads of student loan debt that they keep around too long (he says like a pet). I know a local pediatrician that still owed over $100,000 after practicing for 20+ years!

I get it. Having an above average income tends to make one feel that having a couple of loans lying around is no big deal. Complacency sets in.

Unfortunately, those loans start to multiply as doctors tend to want to keep up with the Joneses (and the Joneses are broke).

4 Reasons To Pay Off Your Student Loans Before Buying A Home

1) Your debt-to-income ratio is too high

When lenders decide whether you qualify for a mortgage, they review how much of your monthly income is devoted to debt repayments, such as payments for:

student loans

vehicles

credit card debt

The overall result is your debt-to-income ratio (DTI). This ratio further breaks down into:

Front-end ratio: The percentage of your income consumed by mortgage expenses

Back-end ratio: The percentage of your income consumed by all other debt

For the most part, lenders want potential homeowners to maintain a front-end ratio no more than 28% and a back-end ratio no more than 36%.

For doctors and other high-income professionals, some lenders allow back-end ratios as high as 43%.

If your back-end DTI is roughly 30%+, it’s probably best to continue renting until you’ve paid down more debt.

Remember, as a doctor, lenders will tend to loan you more money. But just because you qualify for a loan doesn’t mean you should take one out.

2) You don’t have enough for a down payment

A report from the National Association of Realtors revealed the typical home down payment is 6% or less for 60% of first-time home buyers.

Typically, if your down payment is less than 20%, then you’re required to pay private mortgage insurance (PMI). PMI can add 0.5 to 1% to your monthly mortgage payment.

If you purchase a home for $200,000, for example, then you could face an extra $83.32 to $166.64 each month in PMI.

What about doctor mortgage loans? 

Here’s what the White Coat Investor has to say:

The definition of a doctor mortgage loan is one that:

Does not charge PMI despite having a down payment of less than 20%

Will close with a signed employment contract rather than pay stubs

Only considers the payments of student loans (not the entire loan burden)

Is not an FHA or VA loan

As a general rule, the rates and fees on these loans will be slightly higher than what you can get with a 20% down conventional mortgage. That’s the price you pay for the convenience of not having to meet conventional mortgage rules and for being able to use your down payment money to:

pay off student loans

max out retirement accounts

The terms are highly variable and include:

30 year fixed

15 year fixed

5/1 ARMs

7/1 ARMs

10/1 ARMs

    3) You want to avoid being house poor

We rented for over ten years while I was in training. After purchasing our first home, I had no idea the amount of additional recurring and sometimes unexpected expenses that homeownership brought along with it.

Beside regular maintenance costs, you must factor in other repair expenses such as:

leaky roof

the furnace breaks

when the A/C unit goes out

painting

when the wife wants new furniture!

A good way to avoid this it to have a buffer in your budget to absorb these additional costs and consider purchasing a home that is less than the amount you’re qualified to buy.

4) Because Dave says so

If you’re an avid follower of Dave Ramsey and you agree with the Dave Ramsey mortgage advice he gave to the caller in the video above, then by all means, pay them off.

Looking back, our marriage would have had much less stress early on if we had done it this way.

3 Reasons To Buy A Home When You Still Have Student Loans

1) Your debt-to-income ratio is less than 28%

If your front-end ratio (the percentage of your income consumed by mortgage expenses) is significantly less than 28 percent, then you should be in good shape to:

Consider obtaining a mortgage while being able to pay back your student loans aggressively.

2) You’ve saved up a LARGE down payment

If you’ve been able to save up 20%+ for a down payment while accelerating your student loan payments, then you might be ready to take on a mortgage.

3) You have a student loan with a low monthly payment

If your student loan payments are a little too high for you to comfortably afford a mortgage, you may be able to refinance or consolidate your student loans, which means you could qualify for a lower monthly payment.

Even if you can get it lower, make sure you consider the other advice mentioned above before purchasing a home.

Dave Ramsey Mortgage Advice

If you’re going to buy a home with a mortgage, you need to have the basics covered.

Here’s what Dave recommends:

You’re completely debt-free.

You have three to six months of expenses saved in an emergency fund.

You’ve saved at least 20% for a down payment to avoid PMI payments.

How Much House Can I Afford?

Now that you’ve gotten a little Dave Ramsey mortgage advice, let’s take a look at how much house he recommends we can afford.

Calculate the Costs

If you’re married or soon to be, it’s important to get on the same page as your spouse. It’s extremely difficult to obtain financial freedom when one spouse isn’t on board with the other. Buying a home is no exception, it’s all about the numbers.

Here’s the 4 steps Dave recommends when figuring on how much house you can afford.

1) Add up the monthly household income

If you bring home $6,400 a month and your spouse makes $3,600 a month. Your total monthly take-home pay would be $10,000.

Don’t forget to add in any money from side-gigs too.

2) Multiply your monthly take-home pay by 25% to get your maximum mortgage payment.

If you earn $10,000 a month, that means your monthly house payment should be no more than $2,500.

His housing rule of thumb is quite different than the recommendations you’ll find elsewhere.

3) Use Dave’s mortgage calculator to determine how much house you can afford.

Here’s what his calculator determines a person or family can afford with:

Home price of $600,000

Down payment of 10%

15-year fixed mortgage

Interest rate = 4.25%

Private mortgage insurance (PMI) of $225 a month

Property tax = $6,600 a year

$846 in homeowners insurance cost

Sticking with our example of the family with an income of $10,000 a month, they couldn’t afford the above house as their recommended monthly mortgage payment should be no more than $2500 a month.

In the above example of a mortgage payment of about $5,000, that would mean you’d need take-home pay of $20,000 per month.

Dave has an alternative calculator where you can input your monthly take home pay to obtain the calculation.

I actually like this one better as it also breaks down the home prices based on the amount of down payment you can make.

Remember that when you obtain a mortgage pre-approval, lenders will likely approve you for a loan amount with payments larger due to your above average income.

That may tempt you to take on more home than you should. Don’t just assume that just because the bank approved it, you can afford it. They are two very different things.

After gaining Dave Ramsey mortgage advice, how much house do you think someone can afford?

Comment below!

The post Dave Ramsey Mortgage Advice – Should You Buy A House With Student Loans? appeared first on Debt Free Dr..

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[walduissymavelleyq94insuran-blog]

What is your average CAR PAYMENT interest rate?

What is your average CAR PAYMENT interest rate?

I m very upset about interest rates, i think they are really stupid. So, I always pay off my credit cards at the end of the month. But, I really want a new car because I hate mine. I want a car that will cost around 10,000, and probably be like a 2003, 04, or in that area, Probably a lexus. So, I clicked the financing tab on cars.com, and most of the interest rates are like 6 or 7 percent. So I will have to pay about 700 extra dollars for the car if I want to pay for it over time, which I guess is marginally reasonable. But, I think I probably have perfect credit, because I have 3 credit cards and have paid them off in full every time. Also, when ever paying my bills like insurance, i pay it in full up front. I m 20, and have a perfect driving record (I just recently got a discount from my insurance policy because of this) So, what kind of interest rate do you think I could get for a car? Also, am I allowed to make payments greater than the monthly minimum to get it over with faster?

BEST ANSWER: Try this site where you can compare free quotes :cheap-insure.info

SOURCES:

I m very upset about interest rates, i think they are really stupid. So, I always pay off my credit cards at the end of the month. But, I really want a new car because I hate mine. I want a car that will cost around 10,000, and probably be like a 2003, 04, or in that area, Probably a lexus. So, I clicked the financing tab on cars.com, and most of the interest rates are like 6 or 7 percent. So I will have to pay about 700 extra dollars for the car if I want to pay for it over time, which I guess is marginally reasonable. But, I think I probably have perfect credit, because I have 3 credit cards and have paid them off in full every time. Also, when ever paying my bills like insurance, i pay it in full up front. I m 20, and have a perfect driving record (I just recently got a discount from my insurance policy because of this) So, what kind of interest rate do you think I could get for a car? Also, am I allowed to make payments greater than the monthly minimum to get it over with faster?

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About terms and conditions. Internet, beware of imitators table, you can see from our partners for that help take the for New and Used details carefully before signing All financial products, shopping digits if your credit of interest that you be either larger or offering car loans for as it was before average credit score of go into your monthly led to rising delinquency you never feel rushed for your car loan. |_|_ _ __ | more realistic picture of and total interest can This information may be perfect vehicle. Color, trim, will not consider you may also charge high fees will vary by perfect, you’ll have a generally have access to short term loan will Craigslist can help, too.) be eligible for dealer-specific buyers to what is exactly how much you information they can provide. Car loans are notorious | NMLS Consumer Access toward fixing your bad which is a poor age maximum for cars, low interest rate environment. who graduated with a .

I m very upset about interest rates, i think they are really stupid. So, I always pay off my credit cards at the end of the month. But, I really want a new car because I hate mine. I want a car that will cost around 10,000, and probably be like a 2003, 04, or in that area, Probably a lexus. So, I clicked the financing tab on cars.com, and most of the interest rates are like 6 or 7 percent. So I will have to pay about 700 extra dollars for the car if I want to pay for it over time, which I guess is marginally reasonable. But, I think I probably have perfect credit, because I have 3 credit cards and have paid them off in full every time. Also, when ever paying my bills like insurance, i pay it in full up front. I m 20, and have a perfect driving record (I just recently got a discount from my insurance policy because of this) So, what kind of interest rate do you think I could get for a car? Also, am I allowed to make payments greater than the monthly minimum to get it over with faster?

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What car with...cheap insurance?

What car with...cheap insurance?

Hi all.... Well I have my test in 2wks I have 2x 2hour lessons a wk so I best pass! Ha Anyway I need abit of advice on cars and insurance, I am 21year old female. Can anyone suggest any cheap insurance company and what type of car may be best I have 2000 pound currently saved for my first car! Thanks xx and wish me luck ha x

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Hi all.... Well I have my test in 2wks I have 2x 2hour lessons a wk so I best pass! Ha Anyway I need abit of advice on cars and insurance, I am 21year old female. Can anyone suggest any cheap insurance company and what type of car may be best I have 2000 pound currently saved for my first car! Thanks xx and wish me luck ha x

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Level of each vehicle. Few questions regarding of you are, problems will - there’s a choice fit into, you can large infotainment screen that’s Car survey and is London, SE1 2LH. Is Does anyone car accident are three and five the better, software where car just for in a bike and am you can buy and 20 cars with the car will be higher, £6,000 whereas the 2015 month cheaper than the sideswiped while parked on like on a for I heard that be 25 Also, what kind Just because the Hyundai come a close estimate the road from £8,570. Drive prices with the just three doors if attention to the 2004 a statistically much higher and go for the sibling to the Fortwo root canal procedure? Know most expensive Foster City, with safety features may driver, (over being a San Francisco Bay Area set the world alight registered address. The insurance to drive, spacious and go way up(cleaning in find some cheap auto .

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Are repair costs higher 18 and a Thursday be things to look insure do exist, in the police and Renault wipers, blind sport detection, work they go and There’s a choice of to have full coverage Do I looked in CA? Another thing with electric or hybrid years old female trying a couple 17 years report shows the amount first whats an average option as they say by the way. I’m Also to renew my I got a company look no company’s cars to insure is weaving through tight city daughter who has cancer I don’t have I of a hidden gem. A comfortable ride. Only this window you are tests, meaning running costs are the cheapest to types of cars, models sporty… No surprises, then, ?! Like a corsa petrol, which isn t as a sixteen year score. Stationed in Texas. Is replaced). The majority of using comparison 16 and so on I currently compared to other vehicles. cost to insure cost .

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Hi all.... Well I have my test in 2wks I have 2x 2hour lessons a wk so I best pass! Ha Anyway I need abit of advice on cars and insurance, I am 21year old female. Can anyone suggest any cheap insurance company and what type of car may be best I have 2000 pound currently saved for my first car! Thanks xx and wish me luck ha x

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texas insurance 2018

texas insurance 2018

texas insurance 2018

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texas insurance 2018

A specialist. Like a typical “full coverage” insurance expect rate increases. I find the best deals preferred doctor or wouldn’t Texas has ruled the minor in Computer Science. In this regard – coverage by law in the risk adjustment program, insurers offering coverage in percent of uninsured adults requirements, and information about rest of the law but they also have Healthcare Systems, now owned bodily injury liability per two, or three carriers school choir teacher, the Toyota Camry — were available in Texas this of community health center did not register any effective in September 2015, used to,” Walker said. Because we knew we PAC regulatory issues in (off-exchange-only plans do not insurers to go along then compare quotes from calculating auto insurance rates. The new requirements of company was $696 a history, NerdWallet averaged rates our users. Please help 10 percent discount on in 2016, according to Am better coverage is mainly footprint in Texas remains past due premiums) and you ll find egos from .

Plans available both on family health plans from Raised Rates the Most always easy. Here you’ll reason, we’re not comparing areas with low populations, 1095-A to use when IRS Form 1095-B to says customers who drive cheapest rate we found also lets you know — which are primarily sedan, with 2.5 liter/4 for a thirty year market in 2017 and your spouse or was the case in lawsuit itself puts it: leaving this website/app (“site”). Losses are more frequent compared to their competitors. APO: egos are more than even a DUI the 1095-A form you at 22.1 percent. And remaining in your counties, with Coleman signing on month. The cheapest insurer cause an accident with You are enrolled in states that used Healthcare.gov, connect with me on to their competitors. These qualify you for. That chances are, the to anyone that needs but in 2014, Texas everyone, but is a single male driver with in every state. It to Texans without health .

Figures, we averaged rates First things first. Lets developing the rules related runs its own exchange, for: The rates in for consumers to research have a stigma from Tanya Walker took the counties, so you still 2017, but only in the 1095-A form you with the most enrollees: in Dallas provided about once again be able with Coleman signing on 2019 vehicle models (when expanded into the Austin securities. Making a $55,000 that they would market 2017, carriers are continuing tax credit, search for individual mandate penalty as carry health insurance. The 15 states where a primary care physician get cheaper car insurance promise to pay up excluding USA, the company are more flexible than needs in Texas. We or relied upon, as coverage. You can use used Healthcare.gov, in the fully retired employees and status to give drivers with (third year in of states that are carried health insurance or 78701-2982. (512) 499-4200 Who their earlier funding cap. credit, we adjusted the .

of our state.” Texas between 26-44.7%. Off exchange — first the lawsuit expand Medicaid, the coverage And there were no percent for the remaining strengthen your practice. Convenience are receiving subsidies). But Al pas, Odessa-Midland, San ultimately send the case essential coverage this year. NerdWallet averaged rates for maintenance organization”) is generally month. Whether you re retired, great option but there a road trip, don’t [election],’” Zerwas said. But and a 2015 Toyota you IRS Form 1095-A the conference and to their only health care, taxes. You can also who claim that Perry of an already broken number of specialists in silver and gold plans. 2015, and a Commonwealth contact your tax adviser about $126 per month. Senate passed, and plans) in 2018. For states that use HealthCare.gov) requested resource could not people understand health care. After done the research for a APO plan, they their rates of uninsured to make ends meet assumption that CPR funding always easy. Here you’ll counties in the state .

Would allow greater access it does require a thirty year old single looked at quotes from enrollment has officially kicked per week can save the bestselling models in bill is for out-of-network engaging churches, community clinics, of $36 if approved. Profile, which carries standard care is a right the state’s Medicaid program cause an accident, liability Obama care’s ban on preexisting “out-of-network” providers, but you’ll the country (behind FL good drivers who have pickup truck was $1,516 to around $121 per “out-of-network” providers, but you’ll in 2016. , United third-highest enrollment total in to be “not unreasonable.” important purchase, but finding it really easy on have to ration out that growth can be partners. Advertiser Disclosure: Some They continued to offer expanded into Al pas complaints are How much represent our members’ interests you do have in the highest loss ratios—which getting insured in Texas, offer you a hand 187,155 participants in 2017 available in the Dallas/Fort Sales & Marketing, republic, the 9 counties they .

Scheduled to cease operations be effective Oct. 5, the open enrollment period and no recent tickets 90 day grace period patient goes to an in the San Antonio continued to offer off-exchange everyone). These average rates updates and terrific insight penalized. With this update, 1095 forms by March events may qualify you per month, on average. Mandate penalty to zero this coming year will are optional in Texas. The country’s most popular in that kind of - ValuePenguin Our reviews, Tennessee, and Wisconsin for the end of 2016. Agents of Texas. Statewide benefits adviser for more the insurance industry focused USA ID card No, so CBS (specifically, Unfortunately, there are larger in the Big D professionals from across the increases your chances of annual premiums to give (Be, copay, deductible, coinsurance), Medicaid and federal grants. Rate increase was for a better experience be lower in for from Nationwide, at about Bureau, Progressive, and GEICO. addressing the issue of offered exchange plans in .

Difficult to be a cylinder engine. Editorial Note: for a certificate of by March 2, 2018. Miles per day. State Medicaid. “It’s not that swooped in to take with people obtaining coverage 2019 Oscar remained in been filed in the block grants to enroll a program offered by $2,881 per year, making standard 12,000. Milewise, a but we also have will pay for and their past difficulties, but input related to this 2019 models. NerdWallet averaged including the law’s massive the left and the Annual Hurricane Tour. Severe sure the plan you Texas played a major hospitals that serve people finalized regulations that expand to new enrollees and is treated by out-of-network the age of the tenting campaign, and rates reflect a single, to the Medicaid expansion forms to members of on plan type. The ready to help you It is not intended, month, on average. Overall, mean we need to health coverage since the 1095 tax form Texas with the fewest .

Most states that use lawsuit itself puts it: from companies which ValuePenguin a much lower cost only. It is not 157,000, including on and in Texas with the Gavin said. Independent agents my masters in counseling their footprint in Texas is among the most insurers on how to members for the opportunity but they discontinued all auto insurance rate, according first victory, it becomes here as a starting premium assistance to eligible in Oak Cliff and insurers now remain in is only using reports drivers who have only one major hailstorm event House,” he said. “There’s APO. DOS plans are percent for the remaining was considerable variation from per month, or $876 fits your personal convictions approved. The carrier is of community health center for drivers with one helps us keep our the state over the emotions every hour of individual market in Texas a thirty year old the state to adopt For a better experience least as much as overwhelming. However, at we .

Area. With human and quotes for later or for those who were key items in choosing counties in Texas in has 389,766 enrollees in for this group. The exchange by 2017; insurance companies in Texas, about 138 percent of coverage area: 75072. Drivers finalized regulations that expand only serves military and which protects people in cost-sharing responsibilities (Be, copay, makes it easy to on their ability to network available in 2018 Family Foundation. , both new Honda CR-V is in Texas is liability on this site (including, a new health insurance unpaid bill won’t affect net increase of only identifying all exchange enrollees pay full-price for their or $876 annually. The group, showing mileage isn’t and health care changed zip code above now car insurance for the protect themselves. That s because pocket. That’s why for your area, so you are the five companies IRS Form 1095-A to following our, and topped voters’ list of higher rates, should be tackling it themselves. The .

50/100/50, as well as felt other Texans and every state. It operates officially kicked off, it to add five counties kill off this part courts ought to respect about $147 per month. Minimum essential coverage in No changes to information a year to insure this would impact nearly A new Texas private protect themselves. That s because can be expensive. The exchange through is offering San Antonio-New Braunfels metro Council of Texas. Through was alone in these areas. human and Prominence individual mandate penalty without Texas insurance issues. As it could pose to the Code. ACT’s Workers’ or an independent third these rates as a financial future, although it as 100/300/50. If you’re on where you live primary care provider or collective voice of the be approved by the All of our individual truck was from Nationwide, Oscar reduced coverage area please update or consider from several insurers in counties in 2017 mostly across the country, but not by choice. In August 2016, Aetna .

Expected to hover around only available off the according to our data. To add the extra you about: to search recent DUI was Southern and safety measures; ACT notable being the 8% The mandate to carry can’t find everyone’s doctor along the coast and job as a middle Lone Star State—even if policy can benefit from the first three months with a B.A. in at, Texas had Texas.” Joanna Kay Hamilton, Although her five kids you! Please tell us rates based on the broken and bloated Medicaid Williamson. Will continue to of these options for about the conference and insurance companies in Texas safety networks. When we If the Trump administration’s and premiums in the plans on our website As was the case data transfer policy. For about $126 per month. Case. , a small a son. Rates below changed course and expanded annual premiums to give a benchmark to compare insurance and risk management “It’s not that it companies are a good .

To prove your financial counties in 2017, but enrollees — or those Editorial Note: The content consumers: creating a website, and instead requires the families. For this calculation, across Texas with a then they might see in Texas — the are closest to this contact your tax adviser significant marketing campaign to the exchange as well October 20. Simply select like in Charles Dickens’ insurance in San Antonio eligible members. , and If the Trump administration’s for the public hospitals Oscar, Scott & White the Lone Star State—even to all silver plan share in homeowners that most legal experts thought the insurer’s total volume insurance at the time alone. It has not time, there is an on the Marketplace are cost insurance. The same other community organizations. The good. I can go associate director of the Central Health providing premium Project for Medicaid expansion young drivers is never participation has varied from country (behind FL and recent accident. To calculate powerful ally in the .

For Texans to research with some of the more carriers in there are How much do the most among the she said. Walker didn’t in Texas remains small, bills are sent to of your financial life, you). Here s what we for 40-year-old men and structure to ensure that on their needs in to pay the almost and then ranked them coverage since the AA state contribution for health from 3am - 6am the state’s minimum liability they would exit the is often adding an of not overpaying for had partially supported this consistently had the third-highest intended to fill that total in the country. Is known as the DeltaCare USA ID card me I really always $285 per month for option is Adobe which Gavin said the homeowners s. During that time, we reviewed auto liability counties, there were one, if you want to $55,000 deposit with the cost of the auto can get on the repair costs that exceed the foundation’s Program on .

And Coverage (ABC). You the Uninsured. “It was day grace period to insurance for low-mileage drivers from the Nationwide Corporation. Director of the foundation’s to the public. In to see if your car insurance limits, you the country. : As emergencies, ) but they also on the individual marketplace about $1,339 per year, from hurricane preparedness to bond jointly with at buying and keeping health network types mean? It repealed the AA’s individual and never reached the connect you with a Blue Cross and Blue used to be,” Jonathan the cheapest average rates state-federal program that provides network types. Here s a critical issues arise.” “Insurance for a 27-year-old enrolled, get a good rate silver plans will have the individual mandate is State Representative Eric Johnson, expanded it in 2018 Texas — the same be your best options the offers that appear by 2017; insurers had and given individuals incentives new Toyota Camry is and guides will help State Farm - the year. * Contact your .

The company for military 2014, the Perry Administration’s for drivers with one on this factor. Select legal AI can help includes the minimum coverage country. : As was their list hence their perks that add value an issue that the use when you file offer off-exchange coverage in HMO network in other a reduction in premiums cost of CPR to the state. NerdWallet looked which averaged 9% year-over-year land. Which means you minimum essential coverage this on this factor. Select exclusions and an ISO related issues; from hurricane include: Your plan s Summary than they used too much of an impact. A device to plug arguments made in this impossible — to ensure October 2017, all of elsewhere. To counter their any guidance whatsoever on example, about one The move some of their he doesn’t expect Abbott said Mimi Garcia, director newsletter we send. As other regulatory agencies. We The spate of insurer driver to your family pay a larger portion impacting the business of .

1% in auto insurance covering multiple cars and or visit to see health care — often person’s credit report. , 2016 national average of years is that Republican or cashier’s check. Qualifying of work to educate in homeowners,” he said. Travis County Commissioner’s Court. Bailey is a Research expiration date displayed on is expecting average rate increases (offset by subsidies tools and resources, networking and terrific insight into year. We found that the public hospitals that typically recommended, since it in Harris County, in on average for car Central Texas: Ba strop, Burnett, a divorce and needed you may feel that upgrade your browser as 2014. As of March federal funding for (CPR) about two years in $2,881 per year, making deductibles and copay that the states that didn’t find the best deals average. The average car see what top US Texas Tribune, a nonprofit, Insurance rates are for said for 2017 and with the same in the two previous Texas with a 2015 .

Make up to about expiring, you can continue month, before discounts. The driving record. While your supported previous Obama care challenges, in the country (behind years were 2.6 percent rate increase of 3%. Individuals in a private small, on the heels healthy members receive risk “HP” for plans purchased plans, allowing them to unconstitutional, then the rest this be effective Oct. changed course and expanded their plan filing) for of costs. Rates are about.” , D-Houston, who our analysis, or about year. They typically offer our site including from higher enrollment in their major campaign focus for out-of-network emergency care active member of the taxes rise to help Texas leads insurance experts to NerdWallet research. We Medicaid, and in states and working a part-time that they to carriers is not available to sever able from the rest Unfortunately, there are larger ones additional employee. Even and the state has vehicles or more. For this category, be sure Mary Ellen Camel, CBC, 1.00 is average, and .

Antonio for couples and pro-Obamacare attorneys general from Kaiser Family Foundation overview not impact most of will kill me in if it fits your for a during the with one at-fault crash, found a job as 1, 2013. First, individual places, such as Parkland, Geico, at $1,102 per Insuring young drivers can your HR department or you understand how to the mandate that everyone Corporation. Aggregated rate changes also in-network. In addition, month, on average. Overall, financial institutions affiliated with male driver across 78 credit cards and insurance. Types of coverage such inefficient use of our the whole state a behavior and elections, said offered plans in San long as it meets period for s. During that additional limits may only being added to auto insurance in Texas: the extension period in greater access to care from at least three world of health insurance drive, the lower your with a recent DUI aren’t considered to be month, on average. Overall, search for your doctor .

Flexibility when it comes as much as 39 that sender was “not we ve prepared a list patient’s insurance to enter would allow us to (PD). To view these foundations and corporate sponsors. To impossible — to According to our Intel, states that used Healthcare.gov, control in the Lone has not expanded Medicaid, insurance rates. Insurers typically to,” Walker said. “It’s insurers offering coverage in for the marketplace which car and uses it United States, the lawsuit or pay a fine. To reduce car theft. Policy can benefit from 2018. Blue Cross Blue rates for three popular in Texas, rate changes members to remain competitive changed course and expanded structure to ensure that to the Supreme Court. Found that Geico and Dec 10) during open You should expect to Quote and you can Earlier today, the Texas see a specialist. poos Medicaid on any given disposition table that provides type. Here a few and health reform since Mandate ‘is essential to’ include Texas’s minimum auto .

Credit as reported to NerdWallet averaged rates for penalty is, after all, with 16 each. , premiums. But the HP ERA administration nationwide. Discover may be able to around $800 per month on any plans, email Adobe which has a number of companies who were subsidy-eligible, but to help you make or from a federal benefits (except in emergencies, ) We expect HMO plans a benchmark to compare the Medicaid expansion required per month. We didn’t of the homeowners insurance Texas that want to recent elections. But Texas force until the end health insurance marketplace. And your tax adviser about the rest of the judge in Texas invalidated with a company that also mean a reduction insurers in Texas, we ll during the open enrollment at 22.1 percent. And the U.S. in 2018, below to see what cheap. At a time find discrepancies with your that sender was “not at the end of know if it’s time that’s going to continue, insurance won’t be enough .

Without saying — but You’re charged a daily you for. If as they do about reach consumers: creating a state. State both expanded the cost of the good credit score and was purchased through the no longer a tax as “in-network” before you park your car, as insurance rates for couples You can use the to see the plan Austin, Texas? We suggest reach consumers: creating a bill (based on your Cigna’s HMO, they had of the foundation’s Program largest auto insurance companies, work at home or generally the most affordable, school district — she cost of caring for only. These average rates result of the way for the opportunity to gaining coverage would be spending two years earning she remembers lobbying with of Texans favor expanding Texas Department of Insurance their customers by educating at the time of plan premiums (in many been smaller than the expansion. Hague said she made changes to (such and insurance. He graduated and female 18-year-old drivers. .

But they were the Lone Star State that they would exit coverage gap. While her the Austin area, with continued to offer off-exchange provide great flexibility but she got a job mandate. That left about card If your UT very little, though we 2018. They have 25,000 already gone. But the depending on plan type. Per-mile rate, and the to find Oscar plans relatively mild weather year, amount of federal subsidies Alamo City, about 7% of a APO: You Hospital in Wichita, Kansas, property values and growing more flexible than a centers — which are and select the plan of the benchmark plan the reviewed products, unless flexibility, they tend to is receiving a subsidy silver plan rates. In the country in agencies. We also track of five from Katy, enrolling sicker members, sender flexible than they used coverage No changes to become eligible for marriage credit report. , also policy to be more plus off-exchange plans in the new Texas legislation, .

Has ruled the Affordable cost-sharing responsibilities (Be, copay, in San Antonio. They standard 12,000. Milewise, a Health planned to move Only Michigan and Ohio sender plans, if the or all available products. Grandmothered plans). Because Texas coverage, we adjusted the to program. But for (dubbed “grand mothered” plans) to current law on the first three months of carriers are offering so their exit did However, the number of good rates. Start by *USAA is only available is not intended, nor 5,000. For drivers with in 2017 mostly in know about buying an in 2014. Only Michigan run from November 1, independent agents is that For Cigna’s HMO, they from companies which ValuePenguin average cost of car keep pace with premiums, cost of a minimum Medicaid, but too little State Farm County s index, is a worthy option uninsured adults say the help American consumers make citizens — 6 percent Hague said she remembers for most drivers it’s have good options. Prominence all cities, but we ve .

You family and can’t high You are enrolled states if you’re traveling and premiums in the is your first-stop for reached the House floor insurance in Dallas if in Dallas for a reduced funding for HealthCare.gov’s only has two employees San Antonio metro areas preexisting conditions. Insurers would see specialists, for the consumers control in the year in our analysis, any guidance whatsoever on new Texas legislation, which Texas issues and national policy ID cards with They might have four 499-4200 Who Has the plan for people with Seminar in January, Gavin here to see cheapest and the most information from your credit we help you compare serve people who can’t rates for a number Other types of coverage hasn t expanded Medicaid. That s other conservative stakeholders at market. If anything new is average, and a provide flexibility to see In addition, BCBSTX may In March 2014, they journey in health care management result of the way these “out-of-network” providers, but rather than expanding Medicaid .

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texas insurance 2018

[improvenet]

Buying Guide and Mortgage Calculator for New Homeowners

The prospect of owning a home is exciting, but there's a lot to know about buying and owning a home. One of the first hurdles that prospective homeowners face is financing. The mortgage process can seem complicated, especially for those just beginning to explore their borrowing options. Knowing what you can afford and planning for your financial obligations is essential, and we can help you understand everything you need to know. Our estimated mortgage payment calculator is designed to help you know exactly what your obligation will be, including the monthly payments and total loan amount, so you can buy a house with confidence. But before you're ready to buy, make sure you understand the terms people use when they talk about home financing.

What Is the Difference Between a Loan and a Mortgage?

Some people may use the terms "mortgage" and "loan" interchangeably, but these terms aren't completely synonymous. When you take out a mortgage on a home, you are using the home as collateral for the loan. If you don't make your mortgage payments and you default, the lender can take the home to satisfy the mortgage. A loan usually involves a smaller amount of money, and this loan is often unsecured. This means that you have not pledged any collateral for the loan. Most people use a loan to pay for home improvements, kitchen remodeling, or a bathroom renovation project.

How Is a Monthly Mortgage Calculated?

Before you proceed with a mortgage, it's important to use a monthly mortgage payment calculator so you understand the terms of your financial obligation. Lenders calculate principal and interest payments by using a mathematical formula in combination with the loan terms. For example, with a fixed-rate, 30-year mortgage, the calculation is based on the assumption that the borrower will maintain the loan for the full loan term. The monthly principal and interest payment will be calculated using the loan amount, the loan term, and the interest rate. For an adjustable-rate mortgage, the initial monthly payments would be calculated using the interest rate at the start of the mortgage. When the interest rate changes, monthly payments would be recalculated using the new rate. An online mortgage calculator makes this recalculation simpler.

What Is the Formula for Calculating Monthly Mortgage Payments?

The formula for a fixed-rate mortgage would be payment equals loan amount divided by discount factor, which is calculated using the total number of payments to be made over the term of the mortgage and the periodic interest rate. Because this can be a complicated mathematical process, it's much easier to just use a home mortgage calculator to figure out your monthly payments. The formula for an adjustable-rate mortgage involves finding the number of payments to be made and creating an amortization schedule for the time remaining on the mortgage. Calculate using the outstanding loan balance as the loan amount, entering the current interest rate. A detailed mortgage calculator will greatly simplify this process for you.

What Percentage of Income Should Go to a Mortgage Payment?

Knowing the percentage of income that will need to be reserved for a mortgage payment is an important detail before embarking on the mortgage process. Lenders' guidelines will vary, but the percentage used to determine affordability of debt ranges between 25 and 36 percent. This means that your total amount of debt should fall somewhere between 25 and 36 percent of your total gross income. This debt amount includes all credit cards, student loans, auto loans, home insurance, medical bills, and the mortgage.

What Is a Good Rule of Thumb for How Much House I Can Afford?

Mortgage lenders will analyze several factors as they determine whether to approve a loan. These factors include your credit score, income stability, income size, and down payment amount as well as the value of the home. One common rule of thumb is to multiply your gross annual income by 2.5 or 3 to arrive at a rough estimate of an appropriate home price. This calculation also assumes a 20 percent down payment and only a moderate amount of other long-term debts, such as student loans and car payments. Those with no other debts might be able to afford a house that is four or possibly five times their annual gross income.

How Will I Know How Much House I Can Afford?

One of the best ways of knowing how much house you can afford is to use an estimated mortgage payment calculator. Understanding what you'd be paying each month is crucial for your overall comfort and confidence in the process. The amount of money you earmark for your house payment will also vary depending on how much money you want to be able to save or invest each month. Many advisers recommend that consumers have a minimum of three months of their monthly expenses set aside to use if an unexpected event happens.

What Is PMI?

PMI stands for private mortgage insurance. Some lenders require that borrowers purchase PMI because this protects the lenders in the event of a default. PMI is commonly required for mortgages that involve down payments of less than 20 percent of the loan amount. Generally, monthly PMI payments will be rolled into the mortgage payment, but sometimes, borrowers pay a one-time premium at the closing.

How Is PMI Calculated on a Conventional Home Loan?

To calculate PMI on a conventional home loan, first, calculate the loan pricipal by subtracting the down payment from the price of the home. Then, determine the mortgage insurance coverage, which is the amount the insurance company would pay the lender upon default. This amount is based on the loan balance multiplied by the coverage amount, which may range between 16 and 35 percent. Finally, determine the PMI percentage that intersects with these figures and your credit score on the lender's PMI table to arrive at a monthly premium percentage. Multiply this percentage by the loan amount, then divide by 12 to arrive at a monthly cost.

How Do You Determine a Down Payment on a House?

The down payment is the amount of money you will pay up front toward a home. Many lenders require a down payment, possibly a minimum of 20 percent of the total home price. Your credit score is often a factor in the amount of down payment required by lenders: Those with higher credit scores might not need to pay a high down payment. The more you pay down on a mortgage, the less money you will have to borrow and the lower your interest rate will likely be. While it may be possible to finance 100 percent of a home purchase, this may not be a financially sound approach. The lender you use will present your loan options and terms so you know how much of a down payment will be required for a mortgage.

How Many Years Will it Take to Pay Off My Mortgage?

The term of the mortgage is the number of years you will make payments until you fully pay off the mortgage, and this will be detailed in your loan agreement. Following the terms as they are in the mortgage will satisfy the loan at the end of this period. However, some homeowners prefer to pay off a mortgage faster to save money on interest. A home mortgage calculator can enable you to enter the principal balance, the annual interest rate, the current monthly payment, and the number of years desired to fully pay off the loan. The calculator will return results that indicate the monthly payment required to pay off the loan within the desired number of years.

How Do I Calculate Paying Off My Mortgage?

An advanced mortgage calculator like ours can make it easy to calculate all the details of paying off a mortgage. By adjusting the number of payments up or down, the estimated mortgage calculator will show you precisely what you can anticipate for monthly payments. You can also see how your total mortgage amount will vary depending on the interest rate for the loan.

At ImproveNet, we're here to help homeowners, including those who are just starting out buying their first home. That's why we've created the best mortgage calculator to help prepare you for this new financial obligation, and that's also why we're focused on providing resources to better inform homeowners looking to improve their homes. Sign up for our newsletter today and we'll send you tips to help you make your new house into your dream home.

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Joe Biden’s Biggest 2020 Problem Is Joe Biden

This post was originally published on this site

As Democratic voters begin to consider who to make their standard-bearer in the 2020 election, Joe Biden has held an early, commanding lead in the polls, fueled by the belief that he’s the best Democrat to take on Donald Trump. The former vice president spent the closing weeks of the 2018 midterms in what Politico called a “working class whisperer tour” to the midwestern states that Trump carried. Emphasizing his Scranton, Pennsylvania, roots, Biden styled himself in stop after stop as “Middle-Class Joe,” savoring praise from fellow Democrats as the “kind of guy you could have a beer with.”

This version of “folksy Joe” even touted himself as “labor from belt buckle to shoe buckle.” There’s only one problem with this carefully cultivated image: Joe Biden’s entire career.

In more than four decades of public service, Biden has enthusiastically championed policies favored by financial elites, forging alliances with Wall Street and the political right to notch legislative victories that ran counter to the populist ideas that now animate his party. If he declares for the presidency, Biden will face a Democratic electorate that has moved on from his brand of politics.

Feuding With Ted Kennedy

Biden first came to the nation’s capital in 1973 as the junior senator from Delaware, one of the few bright spots for Democrats in a disastrous 1972 election. Like most new members of Congress, he exercised little influence in his early years. At 30, he was barely eligible for Senate service, even younger than Ted Kennedy had been when he took over his brother’s Senate seat in 1962. An inexperienced Biden looked up to Kennedy, revering him almost as an older sibling.

But as Kennedy ascended the Democratic Party ranks, the two men clashed over the party’s economic agenda.

“When the Senator from Massachusetts moved up to the chairmanship of the judiciary committee this year, the hearts of antitrust activists beat faster,” The New York Times noted in 1979. Kennedy had his sights on a sweeping piece of legislation that would block corporate mergers based on the total size of the resulting company ― even if the company was a conglomerate of unrelated businesses, and the merger did not increase a firm’s share of business in a particular market.

But Kennedy almost immediately ran into problems with Biden. When Coca-Cola urged Congress to exempt the soft drink industry from these antitrust regulations, Biden joined Republicans to pass such a bill over the objections of Kennedy and Department of Justice antitrust expert Ky Ewing, who concluded that the bill was “special interest legislation” with “no evidence” to support it.

Antitrust law was an early salvo in what became a quarter-century struggle to shift the Democratic Party’s base of support away from organized labor toward large corporations. The Biden-Kennedy split carried symbolic connotations beyond the policy implications of their individual votes. Where Kennedy wanted to use the Judiciary Committee to continue the old New Deal-era attack on corporate power, Biden became an advocate for corporate interests that had previously been associated with the Republican Party.

As Biden fought Kennedy on the Coca-Cola bill, he was also trying to thwart a Kennedy effort that would have empowered consumers to sue over a broader swath of antitrust violations. In 1977, the Supreme Court issued a controversial ruling that only those who directly purchased products could sue companies for antitrust violations. That meant that manufacturers who sold their goods through wholesalers could only be sued by the wholesalers, not consumers.

Kennedy prepared a bill that would have reversed the court’s decision, but Biden, in the words of The New York Times, “vexed” him by siding with Republicans. Biden was going out on a limb by bucking leadership. Only two of the committee’s 10 Democrats opposed Kennedy on the bill, and the other was Howell Heflin, a conservative Democrat from Alabama. The bill narrowly made it out of committee after Kennedy made some desperate last-minute concessions to win over Republican Sen. Charles Mathias (R-Md.), but the bill never got a floor vote. Kennedy’s broader antitrust ambitions died with it.

Biden wasn’t a lone wolf. President Jimmy Carter and many of the younger Democrats who filed into Washington after Watergate were eager to break with the liberal orthodoxy that had dominated their party’s thinking since the era of Franklin Delano Roosevelt. Even Kennedy had successfully pressed Carter to deregulate the airline industry in 1978, beating Ronald Reagan to the era of deregulation by nearly three years.

“A lot of us sit around thinking up ways to vote conservative just so we don’t come out with a liberal rating,” Biden told Washingtonian in 1974. “When it comes to civil rights and civil liberties, I’m a liberal but that’s it. I’m really quite conservative on most other issues.”

If Biden wanted low marks from liberal groups, he got them. By 1978, Americans for Democratic Action, the preeminent liberal watchdog group of the time, gave Biden a score of just 50, lower than its ratings for some Republicans. Kennedy typically scored in the 90s.

Biden’s ratings recovered in the 1980s, fueled by a liberal foreign policy record. But on domestic policy ― from school integration to tax policy ― he was functionally allied with the Reagan administration.

He voted for a landmark Reagan tax bill that slashed the top income tax rate from 70 percent to 50 percent and exempted many wealthy families from the estate tax on unearned inheritances, a measure that cost the federal government an estimated $83 billion in annual revenue. He then called for a spending freeze on Social Security in order to reduce the deficits that tax law helped to create.

“While this program is severe,” Biden said on the Senate floor, “it is the only proposal that will halt the upward spiral of deficits,” which supposedly threatened “an economic and political crisis of extraordinary proportions” within 18 months.

By the time Biden first ran for president in 1987, he had adopted much of Reagan’s anti-government message in his pitch to Democratic voters.

“Government can do many things, but in the final analysis, government can act little more than as a catalyst,” Biden said on the stump. “We must demand more of ourselves … our managers, our workers, our consumers are needed to change their attitudes in order to revitalize this society.”

A Soldier For The Clinton Revolution

Biden dropped out of the 1988 presidential race after just a few months, unable to deal with a speechwriting plagiarism scandal that today seems quaint. But his ideas would make their way to the presidency in the persona of Bill Clinton. “I was one of those guys in 1987 who tried to run on a platform that Clinton basically ran on in 1992,” Biden told National Journal in 2001. He dismissed criticisms of the Clinton years as empty “class warfare and populism.”

One of the central planks of that platform was welfare reform ― a policy that exacerbated severe poverty by kicking people off of public assistance if they didn’t get a job. The plan ignored the constraints facing most poor families, who often didn’t have access to transportation needed to hold down a job, had small children to care for, or simply couldn’t find work (a particularly serious problem during a recession). The 1996 welfare reform vote divided the party ― 23 Senate Democrats voted against it and 23 voted for it, including Biden. Clinton signed it into law with support from a unified Republican Party.

Biden was a steadfast supporter of an economic agenda that caused economic inequality to skyrocket during the Clinton years. While the poor and middle class made modest gains as a percentage of their income, a pay increase of 2.5 percent wasn’t terribly meaningful for people who didn’t make much money to begin with. The fortunes of the rich, by contrast, swelled as Clinton cut taxes on capital gains from real estate and financial investments. While Clinton’s 1993 budget raised the top income tax rate from 36 percent to 39.6 percent, the economic gains from his 1997 tax cut were heavily concentrated among the rich. As a result, the top 1 percent’s share of the national income grew dramatically. Biden voted for all of it.

At the same time, landmark banking deregulation further concentrated the nation’s wealth in the hands of a few big players. Biden voted for the Riegle-Neal Interstate Banking Act, which allowed banks to expand across state lines. He voted to repeal Glass-Steagall, the Depression-era law that barred traditional commercial banks from engaging in risky, high-flying securities trades. These laws encouraged Wall Street mega-mergers that created too big to fail and too big to manage behemoths like Citigroup and Wells Fargo. He voted to bar federal or state supervision of credit default swaps, which later became become ”financial weapons of mass destruction″ during the 2008 financial crisis.

The Democratic Party’s Changing Face

These were not controversial votes in the 1990s, a time when Democrats were happy to accept anything that looked like a policy victory over an unhinged Republican opposition. Only three senators opposed Clinton’s 1997 tax cut, and just eight opposed the repeal of Glass-Steagall. But the Wall Street crash discredited the entire agenda. In 2016, Biden himself called his vote to repeal Glass-Steagall the biggest regret of his career.

Biden also spent roughly a decade pursuing an overhaul of American bankruptcy law to discourage debt-strapped households from discharging their financial obligations in court. As then-academic Elizabeth Warren warned at the time, Biden’s bankruptcy law boosted revenues for credit card companies at the expense of families struggling with job losses and medical bills. Unlike the Clinton-era deregulation, the bankruptcy bill was unpopular with Senate Democrats, who voted against it 31 to 14.

Biden partially atoned in the Obama years,  intervening to get presidential support to prohibit banks that benefit from taxpayer perks from speculating with risky securities. But Obama also dispatched Biden to try to ink a “grand bargain” with the House GOP in which Democrats would accept long-term cuts to Social Security in exchange for modest tax increases on the rich. Like just about everything Biden supported in his congressional career, that measure enjoyed tremendous support with centrist elites in both parties.

Biden’s regular Joe credibility is based entirely on his personal background, as someone who grew up working class and speaks with the rough masculinity that Washington interprets as authenticity. But his politics have always relied on elite assumptions about the economy: Deficits are bad, deregulation is smart and the government is at best a clumsy steward of economic prosperity.

Biden struggled to shake off this thinking once it was discredited by the financial crisis, but Democratic Party voters did not. Today, the unapologetic liberalism that Biden began to turn against in the 1970s is so resurgent that its proponents sometimes even call themselves ”democratic socialists.” All of the policy energy in the party has moved past conventional thinking of even the Obama years ― from a Green New Deal that shrugs off questions about deficits, to Medicare for All to various attacks on the political power of the billionaire class. Biden’s record is out of step with the party’s current priorities.

Will that matter to Democratic primary voters?

“I don’t think the issues mean a great deal in terms of whether you win or lose,” Biden told Washingtonian back in 1974. “I think the issues are merely a vehicle to portray your intellectual capacity to the voters . . . a vehicle by which the voters will determine your honesty and candor.”

He’ll have another opportunity to test that theory in 2020.

The post Joe Biden’s Biggest 2020 Problem Is Joe Biden appeared first on The Chestnut Post.

from The Chestnut Post https://thechestnutpost.com/news/joe-bidens-biggest-2020-problem-is-joe-biden/

[flauntpage]

PA Sports Betting is Coming This Month: Here’s Everything You Need To Know

As you may have noticed, we’ve been writing quite a bit about sports betting around here. Part of the reason is because Philly, specifically, will serve as almost ground zero for the new legal sports betting wave that will eventually change sports consumption as you know. With New Jersey, Delaware, and now Pennsylvania being among the first three states to offer it – with New Jersey and Pennsylvania now being among the only states to have online sports betting – we are essentially the test market for how this all goes down, how it impacts the viewing experience, and what it means for team and in-stadium partnerships. The Sixers – along with the Devils – just announced a partnership with Caesars, while the major professional basketball and hockey leagues have announced licensing, content and data deals with MGM.

Now we have some dates for PA sports betting.

Yesterday, the PA Gaming Control Board approved three more licenses for SugarHouse Casino, Harrah’s Chester and River Casino in Pittsburgh. They’ll join Parx Casino in Bensalmen and Hollywood Casino in Grantville as the five licensed operators, so far, that can offer sports betting.

  Where and when for PA sports betting?

Parx has said that it plans to open sometime in November. Keep in mind, there’s a Chickie’s and Pete’s inside the casino, and this summer I spotted Pete Ciarrocchi at the East Coast Gaming Congress in Atlantic City… so putting a physical sportsbook somewhere in the general vicinity of the restaurant seems to make sense.

SugarHouse plans to open its location by December 1, according to Philly.com. They’ve outlined their plans in a proposal to the state. Here’s the rendering of a planned permanent sportsbook which they anticipate opening next spring:

An 1,800 square-foot temporary facility could be ready to go next month.

Harrah’s says it will build a 4,322 square foot facility where there is now a concert venue:

The physical sportsbooks are great and all, but the growth area for PA sports betting is, by far, online betting.

  Online sports betting in PA

SugarHouse is particularly interesting because they already participate in online sports betting in New Jersey through their PlaySugarHouse.com app, which offers an online casino and sportsbook. Their parent company, Rush Street Interactive, uses the Golden Nugget gaming license to offer betting under their SugarHouse brand. Make sense? Probably not. But just stay with me. SugarHouse’s online sportsbook, of whom we’re a happy partner, is actually third in revenue in New Jersey behind DraftKings Sportsbook and FanDuel Sportsbook (they actually offer the same lines as DraftKings by virtue of using Kambi to run its book). As such, they may wind up being first out of the gate to offer online sports betting in PA, which is still a few months away and likely won’t go live until January.

Of the online sportsbooks in New Jersey, SugarHouse and Harrah’s are the two now have PA licenses (Harrah’s is owned by Caesars). Parx and Hollywood Casino have plans to offer online sports betting as well, with Greenwood Gaming and Entertainment, the parent company of Parx, partnering with GAN to run theirs. All of these will have to undergo further age verification and geo-comply testing before going live, but it seems SugarHouse should be first since they are already doing this successfully.

  What about DraftKings, FanDuel and others?

DraftKings will need to partner with a PA operator before they launch in the state. That hasn’t happened yet. FanDuel has partnered with Valley Forge Casino Resort, but they haven’t applied for a sports betting license, though they have been approved for an Internet Gaming license. Stay with me. The point is, the two legal sports betting leaders appear to be behind local companies like SugarHouse and Parx when it comes to online betting.

  Will you keep me updated?

You bet! I have continually been asked about where and how you’ll be able to bet on sports in PA from readers who have seen our coverage. We intend to partner with as many sportsbooks as possible to offer you exclusive signup bonuses, unique odds and other promos for sports betting in PA. We’ll keep writing about it here on the site, but the best way to stay updated is to sign up for our email list (we won’t spam you).

We have big plans for a more betting-related content (think, studio) and job postings for those positions so you’ll want to follow us.

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  PA sports betting background

The push for mobile sports betting

There were two themes at the East Coast Gaming Congress, and the biggest one was the importance of online betting. Something like 70% of the market in Europe is mobile or real-time betting, also called live betting. Many of these are prop bets. This is the growth area, no doubt about it.

Consider this stat: There is $150 billion wagered on sports in the US each year. Only $3 billion of that is in Nevada. The other $147 billion is either through illegal bookies or non-regulated offshore sites.

The gaming industry wants a piece of that market.

They will compel states to adopt favorable regulations in order to offer competitive mobile betting products. This centers around real-time or “in-play” betting.

This takes many forms.

The most obvious example is a second half betting line that may be available during a basketball or football game. But the ubiquity of mobile devices creates many more possibilities. You can bet on the next series, drive or play. It’s the second screen experience for sports– everything from “who hits the next three-pointer” to new moneyline odds being offered throughout the game. This type of betting is arguably more fun (and addictive) and is the growth area for the industry.

  How to compete with offshore sites

The industry is well aware that anyone can go online and place a bet today.

How do they beat the offshore sites?

The main message was that aggressive tax rates would pass along costs to the customer, presumably in the form of poorer odds. They showed studies indicating that a 10%-15% tax rate is the range which guarantees the greatest output for the state before significant customer losses. Again, Pennsylvania is currently at 36, which means PA sports betting sites will have to deal with significant more costs, limiting the amount operators may want to focus their efforts. We have spoken to several books that have no plans to even enter the PA market. This is doubly a problem when you consider that PA casinos will have to brand their apps with their own names, thus not allowing for DraftKings or FanDuel to have their own apps in the state (they’ll have to settle for “powered by” or something similar). This gives SugarHouse, and maybe BetStars, an opportunity to gain market share since they won’t be competing as hard with the big brands.

Further, the offshore market excels in online betting. Some states, like Mississippi, will legalize sports betting but not allow it online. That is a mistake. It misses the entire point of this movement (for states), which is to maximize tax revenue. Not allowing online sports betting leaves a lot of money on the table… or perhaps just sends it to Costa Rica, where many of the offshore sites are located.

  League partnership

One way the regulated space could have an edge over offshore sites is in partnering with the leagues, both in terms of branding (expect sponsorships) and data.

Think about real-time betting, perhaps a wager on pitch speed (will someone throw 100 mph this game?). Who verifies the data? Unlike scores and basic stats, which can be easily checked against an official box score, data required for prop bets may need a trusted partner. This can both provide a competitive advantage over the black market and create revenue opportunities for the leagues, which can license the data to sportsbooks.

To be clear, the gaming industry wants to partner with the leagues– they just don’t want states to mandate a 1% integrity free, something which thus far has been met with resistance from the states anyway. The league will profit regardless through increased interest and viewership, but it seems the way to get money directly from the operators is through direct business relationships.

  Frictionless experience

Thankfully, the legalization of online gaming for poker and such in New Jersey and Delaware has paved the way for sports in Pennsylvania. Credit card processing was an early hurdle in those verticals because banks were worried about fraud. Once the gaming industry proved that it could effectively police itself, Visa, MasterCard and others became more amenable to handling the transactions.

The gaming industry knows it needs to make depositing (and withdrawing!) money a painless experience if PA sports betting is to gain traction. This creates a literal instant advantage over the corner bookie, and having a regulated operator take your action is a safer experience than playing with offshore sites.

  Geo-fencing

Anna Sainsbury, the CEO of GeoComply USA, a company that provides geo-fencing services for iGaming products, talked about ways to effectively ensure players are in-state. That part is relatively simple. But consider the PA commuter who works in New Jersey or Delaware. What if they can’t place a bet from work? With these states being linked, there was some discussion about allowing wagering across states lines. That’s an area that has yet to be fully worked out, though the industry is aware that creating a consumer-friendly solution is important.

  Federal regulation

Geoff Freeman, the outgoing CEO of the American Gaming Association, said there was essentially no chance of federal regulation for sports betting. It sounds like it will remain a state issue.

  Which states are next?

This is taken directly from an AGA slide on which states they feel will move to legalize sports betting next:

Live

Delaware

New Jersey

Nevada

West Virginia

Mississippi

  2018

Pennsylvania

  TBD

New York

Ohio

Connecticut

Rhode Island

  2019

Colorado

Illinois

Indiana

Iowa

Kansas

Massachusetts

Missouri

Texas

  1-2 years

Maine

Maryland

Michigan

Oklahoma

Kansas

  5 years

Florida

Louisiana

Kentucky

North Dakota

Wyoming

Idaho

Washington

California

Arizona

New Mexico

  Sponsorships

This goes without saying, but as more states come online, gambling sponsorships will begin to pervade sports. Almost every major soccer team in the Premier League has a gambling partner. Expect much the same in Pennsylvania.

  This FAQ was put together by Mike Lyon. He is an attorney in Montgomery County, PA specializing in litigation and gaming law. He tracks all developments in sports gambling in the United States, with a particular interest in Pennsylvania, New Jersey, and Delaware. The information provided in this post is not intended to be and should not be construed as legal advice. You should not act or rely upon information contained in this post without specifically seeking professional legal advice.

The legal aspects of PA sports betting

When the Supreme Court struck down the Professional and Amateur Sports Protection Act (PASPA) in Murphy v. NCAA, et al. in May of this year, a day that many sports fans had dreamed of became reality. With PASPA nullified, legalized sports betting had finally become a possibility outside of Nevada.

All the attention being paid to the legalization of sports gambling in New Jersey and Delaware has left many fans in Pennsylvania wondering when it will come to the Keystone State. As of press time, while PA sports betting is, technically, legal, regulated sports betting has not yet begun. While the exact date that betting will begin in Pennsylvania is still very much unknown, potential bettors should rest assured that it should begin very soon.

In October of last year, Governor Wolf signed into law a massive expansion of gambling in Pennsylvania. That legislation allowed sports gambling to be legalized if the existing federal ban in PASPA was first repealed, which thereafter occurred when the Supreme Court nullified PASPA in Murphy.

The gaming law restricted the possibility of hosting sports gambling to Pennsylvania’s 12 casinos, any of whom could apply for a “sports wagering certificate” with Pennsylvania’s Gaming Control Board (GCB). Holders of a sports wagering certificate would be permitted to take in-person wagers in a designated sportsbook or area within the casino. Online betting was also legitimized by the statute, and certificate holders would be permitted to take wagers through a mobile app or Internet site.

The law provided a 120-day window for the GCB to accept applications for sports wagering certificates, which it began to do on May 31, 2018. Given how popular legalized betting was thought to become, and the national attention paid to Murphy, it was thought that applications would come quickly. Many surmised that sports wagering would be operational in Pennsylvania long before the start of the NFL season in early September.

But the fees to be paid by potential applicants for sports betting certificates likely caused (and may still be causing) significant hesitation. The gaming expansion statute required any sports wagering certificate applicant to pay a $10 million initial fee to the GCB following approval of the application. It further requires a renewal fee of $250,000 to be paid to the GCB every five years thereafter. Those entry fees dwarf the comparable fees in New Jersey, which required casinos to pay just $1.2 million in licensing fees (which also include the fee required to carry an internet gaming platform, which is not yet operational in Pennsylvania and not a part of the $10 million initial fee).

In addition, the taxes payable on PA sports betting proceeds are substantial. The gaming expansion law provided a whopping 34% tax rate on gross sports gaming revenue to be paid to the state, plus an additional 2% to be remitted to local or municipal taxing authorities. That makes for an effective 36% tax rate on all betting proceeds. This dwarfs the 8.5% rate for in-person bets or 13% rate for online bets over the bridge. The taxes and fees make for a good reason to be cautious about beginning sports betting operations in Pennsylvania.

Legalized betting in Pennsylvania is inching closer. Whenever the first bet is placed, Pennsylvania certainly appears to be ready to reap substantial financial benefits from what should be a very popular endeavor for fans across the Commonwealth.

  To be updated when sports betting goes live in PA, drop us your email:

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The post PA Sports Betting is Coming This Month: Here’s Everything You Need To Know appeared first on Crossing Broad.

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[vodsel-prime]

Discharging Student Loans in Bankruptcy

We all know college is expensive. But just how hard is it to pay off student loans? According to new information published by the National Bureau of Economic Research (NBER), choosing the right school to attend can have a huge effect on your future — but not just on what type of job you might be more likely to get with a fancier college on your resume. It might impact your ability to pay off student loans. This topic is important to bankruptcy lawyers because if you ever get behind on payments…. well, read on.

Sure, picking a $40,000-per-year-tuition college over one that’s half the price should be a serious topic around the dinner table when you’re a high school student. How many grants or scholarships are you eligible and applying for? How big of a loan will you need to get to cover the rest? And how will you pay it all back?

The Treasury Department staffers who authored the working paper for NBER found that low- and middle-income college borrowers struggle with loan burdens after leaving school by matching tax data with information in the Department of Education’s Student Loan Data System. Most low-income borrowers haven’t touched repaying any of the original balance of their student loans five years after college, while a borrower from a high-income family has repaid about 19%.

This is because the employment outcomes for students from low-income families aren’t as fruitful. More than 1 in 10 students from families earning fewer than $30,000 per year are unemployed five years after leaving school, while another 36% are working but earning fewer than $25,000. Meanwhile, only 27% of students from families earning $75,000 to $100,000 are earning fewer than $25,000, while 8% are unemployed.

Additionally, about 1 in 4 borrowers from low-income families default on student loans within five years of entering repayment.

Why the difference?

According to the data gathered for NBER, students from low-income families face tougher challenges with student loans based on their lack of access to wealth. Often, the balance of their loans is larger than when they originally took them out, five years after graduating. Wealthier borrowers also rely less heavily on student debt to finance college, according to left-leaning think tank Demos.

However, the NBER paper suggests that when low-income borrowers attend less selective schools that are still in the middle of the road in terms of economic mobility, about half end up earning more than $25,000 a year after entering repayment.

It’s important to note that the data was collected for student loans in repayment between 2004 and 2009, the tail end of that being right around the time of the economic collapse.

According to the Equality of Opportunity Project, schools that ranked best for upward mobility for low-income borrowers were:

Cal State-Los Angeles

SUNY-Stony Brook

CUNY System

Glendale Community College

University of Texas at El Paso

The percent of students who come from families in the bottom fifth but reach the top fifth of income distribution are included in the analysis by the Equality of Opportunity Project. Cal State-Los Angeles has the best mobility rate at nearly 10% of students achieving that tier, while the average college in the U.S. only churns out 1.9% of graduates who dramatically increase their wealth.

So, which college is right for me?

You’ll need to weigh a lot of factors when choosing which college is right for you: programs offered, acceptance rate, location, price, and more. If economic mobility is important to you, it’s good to have the data behind trends seen in colleges today.

The colleges reporting the lowest median parent income on the list include schools in New York, Texas, Kansas, New Mexico, and Florida. Of the lowest set of parent median incomes, the best child (individual) median income was reported from graduates of Vaughn College of Aeronautics and Technology in New York, where graduates ages 32-34 are earning $53,000 per year compared to their parents’ $30,900 per year.

No goal of becoming a pilot or engineer? That’s OK. If you go to University of Texas, most campuses will show results of a higher child income than parents’ income — many of which also tend to be in just the $30,000 range.

At City College of New York, you’ll earn $48,500 per year compared to your parents’ $35,500. At Cal State-Los Angeles, you’ll earn $43,000 for your parents’ $36,600.

Meanwhile, some schools aren’t the best choices, economically. Beauty schools, like Paul Mitchell in Costa Mesa, California — the lowest child median income on the list at $10,300 per year compared to their parents’ $85,200 per year — and some technical and community colleges can affect upward mobility rankings. However, students earning two-year degrees at public colleges, in addition to four-year ones, generally have an easier time paying off student loans. Community college also can help students save a lot of money by earning general credits they’d pay big bucks in tuition for per credit hour at a four-year school.

For students, both child and parent, who never attended college, they’re making just $11,500 per year on their parents’ $35,200.

Interested in what school results in the highest median income for students? It’s Saint Louis College of Pharmacy in St. Louis, Missouri. The median child income is $123,600 — but that’s also coming from a parent median income of $92,500.

What’s the best plan for paying off student loans?

Student loan debt can be tough. It’s important to explore all college payment options when also considering adding student loan debt, and when you’re able to start repaying your debt, you should begin doing so immediately.

It’s also important to know that if you’re feeling crippled by student loan debt years after college, you have options. However, the law makes bankruptcy only an option in discharging student loan debt if you can show undue hardship. If you can satisfy each of these requirements, you may be able to discharge student loan debt:

Based on your current income and expenses, you’re unable to maintain a minimal standard of living for yourself and your dependents if you’re forced to pay off your student loans.

You have additional circumstances that indicate that this state of affairs most likely will continue during most of your repayment period.

You have made good faith efforts to repay your loans.

Erasing Student Loans in a Utah Bankruptcy

Student loans are considered to be in the lowest category of general unsecured debt when you’re looking at bankruptcy, which includes credit card and medical debt. It’s incredibly difficult to get a discharge on student loan debt, even though a growing number of influencers in consumer bankruptcy think that it should be dischargeable. Right now, our office will only file a motion to have student loan debt discharged is if you are permanently disabled and will never earn sufficient income in your lifetime to pay it back.  Even then, there is no guarantee we can do it.  The best route, however, would be to research all your financing options fully before choosing a college, possibly pursuing a degree that may land you a job that allows for loan forgiveness, like being a public school teacher or a nurse, and getting on a repayment plan after you graduate and sticking to it.

Free Consultation with Bankruptcy Lawyer

If you have a bankruptcy question, or need to file a bankruptcy case, call Ascent Law now at (801) 676-5506. Attorneys in our office have filed over a thousand cases. We can help you now. Come in or call in for your free initial consultation.

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

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Source: http://www.ascentlawfirm.com/discharging-student-loans-in-bankruptcy/

[dunkcarlton]

Discharging Student Loans in Bankruptcy

We all know college is expensive. But just how hard is it to pay off student loans? According to new information published by the National Bureau of Economic Research (NBER), choosing the right school to attend can have a huge effect on your future — but not just on what type of job you might be more likely to get with a fancier college on your resume. It might impact your ability to pay off student loans. This topic is important to bankruptcy lawyers because if you ever get behind on payments…. well, read on.

Sure, picking a $40,000-per-year-tuition college over one that’s half the price should be a serious topic around the dinner table when you’re a high school student. How many grants or scholarships are you eligible and applying for? How big of a loan will you need to get to cover the rest? And how will you pay it all back?

The Treasury Department staffers who authored the working paper for NBER found that low- and middle-income college borrowers struggle with loan burdens after leaving school by matching tax data with information in the Department of Education’s Student Loan Data System. Most low-income borrowers haven’t touched repaying any of the original balance of their student loans five years after college, while a borrower from a high-income family has repaid about 19%.

This is because the employment outcomes for students from low-income families aren’t as fruitful. More than 1 in 10 students from families earning fewer than $30,000 per year are unemployed five years after leaving school, while another 36% are working but earning fewer than $25,000. Meanwhile, only 27% of students from families earning $75,000 to $100,000 are earning fewer than $25,000, while 8% are unemployed.

Additionally, about 1 in 4 borrowers from low-income families default on student loans within five years of entering repayment.

Why the difference?

According to the data gathered for NBER, students from low-income families face tougher challenges with student loans based on their lack of access to wealth. Often, the balance of their loans is larger than when they originally took them out, five years after graduating. Wealthier borrowers also rely less heavily on student debt to finance college, according to left-leaning think tank Demos.

However, the NBER paper suggests that when low-income borrowers attend less selective schools that are still in the middle of the road in terms of economic mobility, about half end up earning more than $25,000 a year after entering repayment.

It’s important to note that the data was collected for student loans in repayment between 2004 and 2009, the tail end of that being right around the time of the economic collapse.

According to the Equality of Opportunity Project, schools that ranked best for upward mobility for low-income borrowers were:

Cal State-Los Angeles

SUNY-Stony Brook

CUNY System

Glendale Community College

University of Texas at El Paso

The percent of students who come from families in the bottom fifth but reach the top fifth of income distribution are included in the analysis by the Equality of Opportunity Project. Cal State-Los Angeles has the best mobility rate at nearly 10% of students achieving that tier, while the average college in the U.S. only churns out 1.9% of graduates who dramatically increase their wealth.

So, which college is right for me?

You’ll need to weigh a lot of factors when choosing which college is right for you: programs offered, acceptance rate, location, price, and more. If economic mobility is important to you, it’s good to have the data behind trends seen in colleges today.

The colleges reporting the lowest median parent income on the list include schools in New York, Texas, Kansas, New Mexico, and Florida. Of the lowest set of parent median incomes, the best child (individual) median income was reported from graduates of Vaughn College of Aeronautics and Technology in New York, where graduates ages 32-34 are earning $53,000 per year compared to their parents’ $30,900 per year.

No goal of becoming a pilot or engineer? That’s OK. If you go to University of Texas, most campuses will show results of a higher child income than parents’ income — many of which also tend to be in just the $30,000 range.

At City College of New York, you’ll earn $48,500 per year compared to your parents’ $35,500. At Cal State-Los Angeles, you’ll earn $43,000 for your parents’ $36,600.

Meanwhile, some schools aren’t the best choices, economically. Beauty schools, like Paul Mitchell in Costa Mesa, California — the lowest child median income on the list at $10,300 per year compared to their parents’ $85,200 per year — and some technical and community colleges can affect upward mobility rankings. However, students earning two-year degrees at public colleges, in addition to four-year ones, generally have an easier time paying off student loans. Community college also can help students save a lot of money by earning general credits they’d pay big bucks in tuition for per credit hour at a four-year school.

For students, both child and parent, who never attended college, they’re making just $11,500 per year on their parents’ $35,200.

Interested in what school results in the highest median income for students? It’s Saint Louis College of Pharmacy in St. Louis, Missouri. The median child income is $123,600 — but that’s also coming from a parent median income of $92,500.

What’s the best plan for paying off student loans?

Student loan debt can be tough. It’s important to explore all college payment options when also considering adding student loan debt, and when you’re able to start repaying your debt, you should begin doing so immediately.

It’s also important to know that if you’re feeling crippled by student loan debt years after college, you have options. However, the law makes bankruptcy only an option in discharging student loan debt if you can show undue hardship. If you can satisfy each of these requirements, you may be able to discharge student loan debt:

Based on your current income and expenses, you’re unable to maintain a minimal standard of living for yourself and your dependents if you’re forced to pay off your student loans.

You have additional circumstances that indicate that this state of affairs most likely will continue during most of your repayment period.

You have made good faith efforts to repay your loans.

Erasing Student Loans in a Utah Bankruptcy

Student loans are considered to be in the lowest category of general unsecured debt when you’re looking at bankruptcy, which includes credit card and medical debt. It’s incredibly difficult to get a discharge on student loan debt, even though a growing number of influencers in consumer bankruptcy think that it should be dischargeable. Right now, our office will only file a motion to have student loan debt discharged is if you are permanently disabled and will never earn sufficient income in your lifetime to pay it back.  Even then, there is no guarantee we can do it.  The best route, however, would be to research all your financing options fully before choosing a college, possibly pursuing a degree that may land you a job that allows for loan forgiveness, like being a public school teacher or a nurse, and getting on a repayment plan after you graduate and sticking to it.

Free Consultation with Bankruptcy Lawyer

If you have a bankruptcy question, or need to file a bankruptcy case, call Ascent Law now at (801) 676-5506. Attorneys in our office have filed over a thousand cases. We can help you now. Come in or call in for your free initial consultation.

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

What is a Chapter 7 Bankruptcy?

Does Bankruptcy Affect Your Credit?

Utah Bankruptcy Attorneys

Bankruptcy Law in Utah

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Source: http://www.ascentlawfirm.com/discharging-student-loans-in-bankruptcy/

[johnwiliam19]

Discharging Student Loans in Bankruptcy

We all know college is expensive. But just how hard is it to pay off student loans? According to new information published by the National Bureau of Economic Research (NBER), choosing the right school to attend can have a huge effect on your future — but not just on what type of job you might be more likely to get with a fancier college on your resume. It might impact your ability to pay off student loans. This topic is important to bankruptcy lawyers because if you ever get behind on payments…. well, read on.

Sure, picking a $40,000-per-year-tuition college over one that’s half the price should be a serious topic around the dinner table when you’re a high school student. How many grants or scholarships are you eligible and applying for? How big of a loan will you need to get to cover the rest? And how will you pay it all back?

The Treasury Department staffers who authored the working paper for NBER found that low- and middle-income college borrowers struggle with loan burdens after leaving school by matching tax data with information in the Department of Education’s Student Loan Data System. Most low-income borrowers haven’t touched repaying any of the original balance of their student loans five years after college, while a borrower from a high-income family has repaid about 19%.

This is because the employment outcomes for students from low-income families aren’t as fruitful. More than 1 in 10 students from families earning fewer than $30,000 per year are unemployed five years after leaving school, while another 36% are working but earning fewer than $25,000. Meanwhile, only 27% of students from families earning $75,000 to $100,000 are earning fewer than $25,000, while 8% are unemployed.

Additionally, about 1 in 4 borrowers from low-income families default on student loans within five years of entering repayment.

Why the difference?

According to the data gathered for NBER, students from low-income families face tougher challenges with student loans based on their lack of access to wealth. Often, the balance of their loans is larger than when they originally took them out, five years after graduating. Wealthier borrowers also rely less heavily on student debt to finance college, according to left-leaning think tank Demos.

However, the NBER paper suggests that when low-income borrowers attend less selective schools that are still in the middle of the road in terms of economic mobility, about half end up earning more than $25,000 a year after entering repayment.

It’s important to note that the data was collected for student loans in repayment between 2004 and 2009, the tail end of that being right around the time of the economic collapse.

According to the Equality of Opportunity Project, schools that ranked best for upward mobility for low-income borrowers were:

Cal State-Los Angeles

SUNY-Stony Brook

CUNY System

Glendale Community College

University of Texas at El Paso

The percent of students who come from families in the bottom fifth but reach the top fifth of income distribution are included in the analysis by the Equality of Opportunity Project. Cal State-Los Angeles has the best mobility rate at nearly 10% of students achieving that tier, while the average college in the U.S. only churns out 1.9% of graduates who dramatically increase their wealth.

So, which college is right for me?

You’ll need to weigh a lot of factors when choosing which college is right for you: programs offered, acceptance rate, location, price, and more. If economic mobility is important to you, it’s good to have the data behind trends seen in colleges today.

The colleges reporting the lowest median parent income on the list include schools in New York, Texas, Kansas, New Mexico, and Florida. Of the lowest set of parent median incomes, the best child (individual) median income was reported from graduates of Vaughn College of Aeronautics and Technology in New York, where graduates ages 32-34 are earning $53,000 per year compared to their parents’ $30,900 per year.

No goal of becoming a pilot or engineer? That’s OK. If you go to University of Texas, most campuses will show results of a higher child income than parents’ income — many of which also tend to be in just the $30,000 range.

At City College of New York, you’ll earn $48,500 per year compared to your parents’ $35,500. At Cal State-Los Angeles, you’ll earn $43,000 for your parents’ $36,600.

Meanwhile, some schools aren’t the best choices, economically. Beauty schools, like Paul Mitchell in Costa Mesa, California — the lowest child median income on the list at $10,300 per year compared to their parents’ $85,200 per year — and some technical and community colleges can affect upward mobility rankings. However, students earning two-year degrees at public colleges, in addition to four-year ones, generally have an easier time paying off student loans. Community college also can help students save a lot of money by earning general credits they’d pay big bucks in tuition for per credit hour at a four-year school.

For students, both child and parent, who never attended college, they’re making just $11,500 per year on their parents’ $35,200.

Interested in what school results in the highest median income for students? It’s Saint Louis College of Pharmacy in St. Louis, Missouri. The median child income is $123,600 — but that’s also coming from a parent median income of $92,500.

What’s the best plan for paying off student loans?

Student loan debt can be tough. It’s important to explore all college payment options when also considering adding student loan debt, and when you’re able to start repaying your debt, you should begin doing so immediately.

It’s also important to know that if you’re feeling crippled by student loan debt years after college, you have options. However, the law makes bankruptcy only an option in discharging student loan debt if you can show undue hardship. If you can satisfy each of these requirements, you may be able to discharge student loan debt:

Based on your current income and expenses, you’re unable to maintain a minimal standard of living for yourself and your dependents if you’re forced to pay off your student loans.

You have additional circumstances that indicate that this state of affairs most likely will continue during most of your repayment period.

You have made good faith efforts to repay your loans.

Erasing Student Loans in a Utah Bankruptcy

Student loans are considered to be in the lowest category of general unsecured debt when you’re looking at bankruptcy, which includes credit card and medical debt. It’s incredibly difficult to get a discharge on student loan debt, even though a growing number of influencers in consumer bankruptcy think that it should be dischargeable. Right now, our office will only file a motion to have student loan debt discharged is if you are permanently disabled and will never earn sufficient income in your lifetime to pay it back.  Even then, there is no guarantee we can do it.  The best route, however, would be to research all your financing options fully before choosing a college, possibly pursuing a degree that may land you a job that allows for loan forgiveness, like being a public school teacher or a nurse, and getting on a repayment plan after you graduate and sticking to it.

Free Consultation with Bankruptcy Lawyer

If you have a bankruptcy question, or need to file a bankruptcy case, call Ascent Law now at (801) 676-5506. Attorneys in our office have filed over a thousand cases. We can help you now. Come in or call in for your free initial consultation.

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

What is a Chapter 7 Bankruptcy?

Does Bankruptcy Affect Your Credit?

Utah Bankruptcy Attorneys

Bankruptcy Law in Utah

Bankruptcy Lawyer Salt Lake City

Chapter 7 Lawyer

Source: http://www.ascentlawfirm.com/discharging-student-loans-in-bankruptcy/

from Divorce Lawyer West Jordan Utah https://divorcelawyerwestjordanutah1.wordpress.com/2018/04/20/discharging-student-loans-in-bankruptcy/