You can get a mortgage with no credit. It will likely be time-consuming, since a lender will need to evaluate your application through a process called manual underwriting. That means the loan officer checks all of your financial information personally, rather than relying on an algorithm to determine if you qualify. Manual underwriting is a […]
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When you reach financial independence or retirement you may eventually experience a sense of emptiness. After years of hard work, aggressive saving, and smart investing, you might feel a letdown because the toughest financial challenges are behind you. Based on feedback from readers since 2009 and my own experience after leaving work in 2012, I’ve
Earn Active Income For Wants, Use Passive Income For Needs Read More »
Kimberly Palmer writes for NerdWallet. Email: kpalmer@nerdwallet.com. Twitter: @kimberlypalmer. Sean Pyles writes for NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles. Sara Rathner writes for NerdWallet. Email: srathner@nerdwallet.com. Twitter: @sarakrathner. The article Smart Money Podcast — Deck the Bills: Smart Spending and Credit Tips for the Holidays originally appeared on NerdWallet. https://www.nerdwallet.com/article/finance/smart-money-podcast-deck-the-bills-smart-spending-and-credit-tips-for-the-holidays #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money
Smart Money Podcast — Deck the Bills: Smart Spending and Credit Tips for the Holidays Read More »
Millions dream of financial freedom, yet few achieve it. Not because they’re not smart enough. Simply because they’re missing key habits that separate millionaires from everyone else. Whether you’re starting your wealth journey or feeling stuck halfway, understanding these critical indicators will transform your financial trajectory. 1. Purpose-Driven Money Goals The profound difference in perspective
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Buying a new home can be an exciting process, but as one of the most expensive purchases you’ll make in your lifetime, it’s important to be thorough with your evaluation of the properties you’re considering. In addition to ensuring that the house is worth the investment, it’s also crucial to understand how it will affect
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Planning your next trip and need a rental car without breaking the bank? Don’t worry, scoring an affordable rental car is easier than you might think. In this guide, we’ll share simple and effective tips to help you find a cheap rental car for your travels. 1. Don’t Forget About the Fees When comparing multiple
12 Easy Tips for Booking a Cheap Rental Car for Your Next Trip Read More »
There’s nothing quite like the thrill of buying a car, especially if it’s brand new. However, the decision of when to buy ultimately depends on your financial situation. Here are some auto trends to help you decide when is the right time to buy a car and whether 2025 is a good year to do
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Investing in real estate doesn’t have to mean owning property. In today’s world, there are several innovative ways to benefit from real estate investments without the hassle of buying and managing physical properties. By exploring these options, you can enjoy the financial rewards of real estate investing while sidestepping the challenges of property ownership. 1.
10 Clever Ways People Invest in Real Estate Without Buying Property Read More »
Are you considering getting a debit card for your child? As kids get older, the thought of giving them more control over their money can be scary. As parents, we worry about whether they’ll make smart decisions regarding savings and spending. Thankfully, there are debit cards designed specifically for kids. With features like parental controls,
Best Debit Card For Kids in 2024: Why You Should Consider a Debit Card for Your Child Read More »
Raising your credit scores can help you open the door to better financial opportunities. The higher your scores, the more access you’ll have to the most favorable, least expensive borrowing options. And, beyond helping you qualify for loans, good credit can also reduce barriers to other financial goals—like renting an apartment or locking in lower
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“Flexing” is a slang term that means showing off or boasting about one’s accomplishments, possessions, or skills, often with the intention of impressing others. For example, someone might “flex” on social media by posting pictures of their new Porsche or sharing stories about their achievements. Personally, I’m not a fan of flexing—what’s the point? It
The Biggest Flex By Men Is Not What You Think Read More »
Craig Joseph writes for NerdWallet. Email: cjoseph@nerdwallet.com. The article Current Credit Card Transfer Bonuses: December 2024 originally appeared on NerdWallet. https://www.nerdwallet.com/article/travel/credit-card-transfer-bonuses #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney #moneymanagement #creditrestoration #invest #wealthbuilding #creditrepairservices #moneytips #passiveincome #finances #generationalwealth
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Before buying your next car, it’s crucial to make some important preparations to ensure you make a smart purchase. Look beyond the sticker price and consider the total cost of owning the car. Following these steps will help you buy a car that’s reliable, affordable, and suits your needs perfectly. 1. Fuel Efficiency Matters Opt
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In an increasingly complex world, the Financial Post should be the first place you look for answers. Our FP Answers initiative puts readers in the driver’s seat: you submit questions and our reporters find answers not just for you, but for all our readers. Today, we answer a question from Austin and Romina. Read More
An active-duty alert is a notice that eligible service members have the right to add to their credit reports. These alerts instruct lenders to verify the applicant’s identity before processing loans or credit applications made in the service member’s name. How Does an Active-Duty Alert Work? An active-duty alert is a special kind of fraud
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Kate Wood writes for NerdWallet. Email: kwood@nerdwallet.com. The article How to Choose a Mortgage Lender originally appeared on NerdWallet. https://www.nerdwallet.com/article/mortgages/how-to-choose-a-mortgage-lender #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney #moneymanagement #creditrestoration #invest #wealthbuilding #creditrepairservices #moneytips #passiveincome #finances #generationalwealth
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Ever wondered what makes someone a “quiet millionaire”? It’s not the flashy cars, oversized mansions, or social media bragging, it’s something far subtler. Quiet millionaires have a way of blending in while still radiating a unique kind of confidence. You’ll be surprised at how much wealth can whisper when you’re truly listening. 1. Conversations and
12 Subtle Clues of a Quiet Millionaire Read More »
Capital One 360 is Capital One Bank’s online division. It’s a great hybrid of online and traditional brick-and-mortar banking since you get the features and interest rates of an online bank but still have access to Capital One branches and cafes. They offer a checking account, savings account, and CDs. They also have a kid’s
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Last week, the Canada Revenue Agency (CRA) released the new tax numbers for 2025. Here’s what you need to know for next year. Read More https://financialpost.com/personal-finance/taxes/2025-cra-tax-brackets-cpp-rrsp-tfsa #financialfreedom #money #entrepreneur #business #finance #investing #financialliteracy #success #investment #wealth #motivation #financialindependence #passiveincome #personalfinance #realestate #stockmarket #debtfree #entrepreneurship #invest #bitcoin #creditrepair #debtfreecommunity #investor #trading #workfromhome #stocks #credit #financialeducation #bhfyp
The new 2025 CRA numbers: tax brackets, CPP, RRSP and TFSA limits, and more Read More »
If you left college or graduate school with a hefty student loan balance, you might struggle to find room to save for retirement each month after loan and bill payments. This might become easier now thanks to a legislative provision that’s finally going into effect. Under the SECURE 2.0 Act, passed in 2022, a new
What Is a 401(k) Student Loan Match? Read More »
