When it comes to paying for some of life’s biggest expenses — a home renovation, a big medical bill, an emergency, a wedding or even a funeral — it can…

Everyone starts off the year with resolutions that reflect the best of intentions. But good intentions fade quickly unless you create a plan that leads…

幸运的是，我们在 2022 年迎来了前所未有的通货膨胀、商品成本上升和收入损失，这些都始于 COVID-19 大流行。 更糟糕的是，抵押贷款延期已被延长了几次，但现在大多数贷款人都要求贷款到期。房主必须与贷方签订贷款修改协议、再融资或与贷方安排替代协议才能再次开始付款。尤其是年长的房主正面临着真正的挣扎，他们担心他们是否有足够的资产来维持整个退休生活。 这就是坏消息。 好消息是，有三种安全且战略性的解决方案可以在无需动用退休储蓄的情况下进行转型：1) 通过反向抵押贷款获得房屋净值，2) 用反向抵押贷款取代当前抵押贷款以消除强制性抵押贷款支付，以及 3 ) 使用反向抵押贷款购买更适合未来需要的房屋，而无需每月支付强制性费用。 如果您已退休或接近退休，房屋净值可能占您净资产的很大一部分。根据全国反向抵押贷款人协会和 RiskSpan 提供的数据，截至 2021 年，62 岁及以上的房主的集体住房财富增加至 9.57 万亿美元。HECM 反向抵押贷款使 62 岁及以上的房主可以在他们仍然拥有并继续住在那里的情况下获得捆绑在他们家中的一部分财富。 怎么运行的…

The insurance industry is undergoing a massive, tech-driven shift. The next decade will be crucial in deciding the future of the insurance sector. Industry leaders…

Establishing a balanced portfolio is one of the fundamental building blocks of investing and financial literacy. Portfolio holdings can include digital and physical assets such…

People take out personal loans for many reasons, from covering an unexpected medical expense or a big-ticket purchase, to consolidating higher-interest credit card debt. Personal…

The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($548,250 or less) decreased to 3.03% from 3.06%. Applications for a loan…

There are as many personal finance theories about getting rich as there are dollars on the earth. But most of them are unhelpful as they…

exas has approximately 16 million licensed drivers, and all are required to carry minimum amounts of insurance. If you are a resident of McAllen, you…

Some weird and unexpected things have happened in the last year and a half as this country has passed through the pandemic. A lot of…