Growth strategies for the purchase-mortgage market
McKensey
JANUARY 18, 2024
US mortgage lenders rethinking their value proposition for a constrained market should weigh five key actions to sustain growth in mortgage financing for home purchases.
Banking Finance Purchasing 
‘Money Boss’ Jo Davison’s 5 Steps for Taking Control of Your Finances
Success
MARCH 20, 2024
And yet, perhaps it’s those very aversions to standard personal finance practices that make her most appealing to her clients. Now, she runs courses and individual mentoring programs to teach clients how to stop fearing their finances, release shame around money habits and prosper by making their assets work harder than they do.
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A Millennial’s Guide to Finances: 5 Things to Start Before You Turn 30
Success
JULY 4, 2022
However, important skills like when and how to manage your finances don’t come naturally to many. List out your purchases in an Excel spreadsheet at the end of each month and place each transaction into a bucket. Get detailed and introspective to evaluate which purchases are legitimate needs vs. nonessentials.
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Expert-Backed Strategies for Managing Auto Debt
Success
MAY 8, 2025
According to the Quarterly Report on Household Debt and Credit from the Federal Reserve Bank of New York, auto loan balances in the United States top $1.66 These trends may continue or worsen with tariffs, which will increase purchase prices. Many households in the U.S. Whats to blame? A collision of factors.
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4 Smart Money Moves to Plan for Financial Security
Success
JULY 20, 2021
That’s because when we delay organizing our finances, it causes us to delay a lot of other things, too. But it’s really no surprise that millennials have trouble dealing with their finances. Plus, an unsurprising majority of this age group feels stressed when thinking and talking about finances. Trust me: I get it.
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Preparing to Move Overseas? Read This First
Success
AUGUST 21, 2022
As soon as you move abroad , you’re in charge of paying for your medical expenses, as your United States health insurance won’t let you submit any assertions, says Elena Jones, a personal finance expert at FinanceJar. You can (or may need to) purchase international insurance. Opening a bank account. File the right forms first.
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How to Teach Your Kids About Credit Cards
Success
NOVEMBER 8, 2021
On the surface, credit cards seem pretty straightforward: You use your card to purchase items and then pay the balance at the end of the month. Much of what kids learn about finances comes from watching their parents use money in the real world. Understand how credit works.
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7 Apps to Teach Kids About Money
Success
FEBRUARY 19, 2022
The days of working hard to earn a buck aren’t exactly gone, but the personal finance landscape is certainly more complicated now than it was a few decades ago. Meanwhile, only 21 states required a personal finance course for high school students in 2020, according to the Council for Economic Education. Toshl Finance.
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7 Short-Term Financial Goals and How to Achieve Them
Success
FEBRUARY 19, 2024
Rebalancing your budget is the process of reviewing your finances to make space for money goals. Save for a big purchase Expected time: 3-9 months How to save for a big purchase: Whether you want to purchase the latest smartphone or need new living room furniture, saving for a larger purchase is an easy short-term financial goal.
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Get Organized with a Business Binder
Jen Lawrence
JANUARY 18, 2019
I was constantly looking up my business banking information. At the core, I just needed a method to store information that I should have physical copies of or need easy access to, which fell into four categories: Legal Finance Administration Clients. And oh yeah, what is my password for that software? Enough was enough.
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What Is a Credit Freeze, and Should I Do It?
Success
MARCH 27, 2023
However, knowing what a credit freeze is and taking advantage of it can help protect you and your finances. For example, if someone steals your credit card number, a credit freeze won’t stop them from making unauthorized purchases. When should I freeze my credit? What are fraud alerts? billion in the U.S., an increase of $2.4
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3 key investing tips for early-career professionals
Work Life
MAY 4, 2024
Setting money aside before it starts burning a hole in your bank account means you will actually follow through with paying yourself—rather than letting months of good intentions go by. It’s much easier to make a single decision to set money aside than make repeated decisions about your finances with every pay cycle.
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What Is Zero-Based Budgeting?
Success
JANUARY 31, 2022
This sum-total approach to personal finances boasts major savings, but not for free. When you assume full responsibility for your finances, a funny thing starts to happen. It started to slowly regain popularity around the time of the 2008 recession and is now commonly used for personal finances. Not anymore.
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Start Talking to Your Kids About Investing—Here’s Where to Start
Success
AUGUST 7, 2022
Additionally, “54% of teenagers… reported feeling unprepared to finance the life they hope to have in adulthood.”. Spend time discussing your family financial values and let your kids help decide where some of the household finances are allocated. Teach them that investing isn’t a get-rich-quick scheme.
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2023 Financial Forecast: How to Prepare for the Year Ahead
Success
OCTOBER 31, 2022
And with a new year approaching quickly, it can be a good opportunity to take stock of what’s happened in the past year—in your personal life, career and with your finances—and think about what changes you’d like to make in the year ahead. As you think about your personal finances heading into 2023, credit card debt should be top of mind.
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The Best Finance Apps To Keep Your Finances And Life In Order
Success
SEPTEMBER 25, 2024
We break down some of the most popular money-tracking tools to help you take control of your finances. What Is The Best Personal Finance App? There’s no shortage of personal finance apps available online. Specific features : Does it have the finance tools you need for your life stage and preferred approach to money management?
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How to make New Year’s financial resolutions that stick
Work Life
DECEMBER 29, 2023
Improving finances is a common resolution for the New Year. In 2023, 53% of Americans who set resolutions wanted to prioritize getting their finances in order. After all, why grit your teeth through the process of improving your finances when you can make the process more rewarding, less stressful, and easier?
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Rent vs. Buy: What’s the Right Decision for You?
Success
MAY 10, 2022
For example, 84% of respondents in a 2020 survey from personal finance site NerdWallet said buying a home is a priority. The shift from renting to purchasing a home typically occurs in someone’s early 30s, according to Palim. “As Whether you are a homeowner or renter, chances are you’d like to become a homeowner someday.
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8 Pieces of Financial Advice for New College Graduates
Success
JUNE 23, 2023
After all, learning how to manage your finances before money mistakes happen can help you avoid easy-to-make slip-ups like dings to your credit score or an overdrawn bank account. If you just traded in your cap and gown for your first taste of real adulting, managing your finances might feel like an overwhelming task.
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Gen Z’s growing credit card debt problem, and how to fix it
Work Life
JUNE 9, 2024
Additionally, the Federal Reserve Bank of New York found that nearly 1 out of every 7 (15.3%) of Gen Z Americans have maxed out their credit cards, compared to only 12.1% This frictionless buying process makes impulsive credit card purchases far too easy. of millennials and 9.6% of Gen Xers.
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Empower’s Budget App Will Teach You All About Smart Money Management
Success
SEPTEMBER 17, 2024
Empower promises a “360-degree view of your finances,” and it delivers. When you link your bank and credit card accounts, it imports your transactions and assigns them a specific category. Financial Insights And Analysis Empower helps you gain a deeper understanding of your finances.
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Tori Dunlap, Founder of Her First 100K is on a Mission to Close the Gender Pay Gap
Success
JULY 25, 2022
My parents helped me open a bank account for my earnings, and after a few months I had not only started a humble college fund, but had also saved enough to buy a second vending machine, and then a third. Get familiar with your finances. Knowledge is power, and knowledge of our own finances is especially powerful.
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Businesses need to take real action to create a more sustainable workplace
Workplace Insight
JUNE 22, 2023
For example, in 2022 a high street bank had its advertising campaign pulled for promoting its tree-planting scheme and net-zero plan without acknowledging that it is financing fossil fuel projects. Or, if they are changing their equipment, they could look at purchasing refurbished items themselves.
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When Considering Your Investment Strategy, Keep These 3 Rules in Mind
Success
DECEMBER 28, 2021
We’ve all seen the headlines: “Skateboarder Becomes Millionaire Overnight by Cashing Out Piggy Bank in Altcoin.” There are no headlines about the vast majority of people who have burned time and money into creating digital art that no one ever purchases. Don’t believe the hype.
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The Rocket Money App Can Help Bring You One Step Closer to Financial Freedom
Success
SEPTEMBER 22, 2024
But without the right tools, tracking every purchase can feel tedious. Once you’ve downloaded the tool, simply connect your bank accounts and credit cards securely through Plaid to use the app. Plus, if your bank ever charges you overdraft or late fees, Rocket Money helps you get those refunded, keeping your finances in check.
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Surviving economic uncertainty: 5 steps to help your small business thrive
Ruby
MAY 22, 2023
Look at your last few bank and credit card statements and see where you can make cuts. Subscriptions tend to be an area where we collect monthly purchases as we go without realizing it. You can even use insights from their purchases to help you get creative. Lili is a banking platform built for today’s small businesses.
3 most common Small Business Administration loans—and which type might be good for your business
Ruby
JANUARY 16, 2023
From personal loans and business credit cards to a line of credit at a large bank, there is no shortage of options for an infusion of cash. The SBA, a government agency founded to help spur small business economic activity, disburses funding by partnering with private financial institutions such as banks or credit unions.
can I put running my household on my resume?
Ask a Manager
FEBRUARY 25, 2020
On the fiscal side, I create a detailed annual budget, send out monthly income/spending/asset reports, pay bills and payroll (each household member has a personal bank account separate from the household accounts and gets a weekly allowance), and approve large expenses. I negotiate with banks for fee reimbursement and lower APRs.
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This crucial step is the precursor to success. Here’s how to leverage it
Work Life
FEBRUARY 10, 2024
In 2010 I founded business intelligence firm L2, bootstrapped it at first, then sold it in 2017 for $158 million, 27 months after our first and only round of financing. On the boards of startups, at every subsequent round of financing, I encourage management and employees to take some money off the table. Semi-quitting (i.e.,
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41 Ways to Improve Yourself in Just 10 Minutes
Success
MARCH 14, 2023
After a long weekend with friends, there is always an element of guilt when you look at your bank account to see the damage. We start tracking every purchase to try to stay accountable. But don’t get so caught up in tracking finances that you forget to live a little. Track your spending. But that can be overwhelming.
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Going solo: 3 quick ways to jumpstart your own legal practice
Ruby
JULY 18, 2023
Credit cards are a fallback for small purchases, but you don’t want to fund a business with them due to comparatively high interest rates. Other borrowing options include loans from friends and family, though you’ve got to be careful not to let finances come between relationships. Each business type comes with its own pros and cons.
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This Artist Celebrates Self-Love and Body Representation Through Her Line of Candles Honoring Plus-Sized Figures
Success
FEBRUARY 24, 2024
I went to the bank and got a business debit card, and then [it] kind of grew from there,” she explains. The business debit card was used to separate her personal and business finances. When she initially wanted to purchase candle molds, most of the molds represented bodies that reflected beauty stereotypes. “I
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121 Employee Wellness Program Ideas Your Team Will Love
SnackNation
JULY 30, 2017
Offer to pay for all organic produce employees decide to purchase. Ideas include volunteering at a local food bank, or cleaning up a park, beach, or trail. Give employees the option to choose how they want to use their bank of paid time off (sick days, personal days, and vacation). Visit a local farmer’s market for lunch.
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Business finance: The ultimate guide for non-finance people
BMT Office Administration
JUNE 26, 2023
Either way, you’ll need to master the basics of business finance if you want to find success. Even employees not working directly in finance generally need a basic understanding of it to succeed. Nothing exists in a bubble, and business finance is no different. Why is that?
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Our Q2 FY22 letter to shareholders
Atlassian
JANUARY 27, 2022
Cloud Enterprise editions of our products now meet some of the most stringent compliance standards in the world, including those of the European Banking Authority (EBA) and Germany’s Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin). During Q2’22, we drew $350.0 million from our term loan facility, used $1.2 Free Cash Flow.
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Top Employee Engagement Tools (Detailed Comparison)
Vantage Circle
MARCH 10, 2021
KPMG , Samsung , Five Star Bank , ORBIS, American Express, Discovery Channel. The question bank consisting over 120 customizable questions helps gather employee experience and promotes better employee engagement. Wisdom, Guild Insurance, Seek, Hairhouse Warehouse, QT Mutual bank. Link: [link]. Visit Website. Link: [link].
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birthday cards at work, calling hiring managers before applying for a job, and more
Ask a Manager
NOVEMBER 2, 2015
But circulating a card to half a dozen people six times a year and putting some company-purchased food in the break room for people to share seems pretty inoffensive. I have been a director of finance for two different social service agencies over the past 12 years. Calling hiring managers before applying for a job. I want to apply.
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Rachel Baghelai on Research in a Consulting Firm
Department 12
AUGUST 26, 2023
Dr. Baghelai recounts her unconventional journey into the world of Industrial-Organizational (IO) psychology, transitioning from banking to pursuing a graduate program at Elmhurst University. I’ve found myself working in banking and finance and. 00:00:37 Rachel Baghelai, Ph.D. 00:00:46 Rachel Baghelai, Ph.D. And the next?
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giving a gift to your boss, missing Christmas bonuses, ass-grabbers at the holiday party, and other holiday questions and answers
Ask a Manager
DECEMBER 16, 2014
This rule stems from the power dynamics in the boss/employee relationship, because otherwise people can feel obligated to purchase gifts when they don’t want to or can’t afford to – and managers should never benefit from the power dynamic in that way. Giving a boss a holiday gift, part 2. I’m just wondering how I should approach this?
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interview with a budget and money coach
Ask a Manager
AUGUST 11, 2016
There’s a lot you can do about this (namely: a budget), but I think the single most powerful thing anyone can do to take charge of their finances is to record every penny that goes in and out of your life. When I want to spend money on something, I take a look at the budget (not at my bank account) to determine whether I can spend it.
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I have a spider phobia and my boss has a spider, can I ask to give my raise to my coworkers instead, and more
Ask a Manager
OCTOBER 1, 2018
As long as I’m able to get the things signed off on (like PTO days or purchase orders), I could never see him and be fine with it. I know for a fact that our finance department will just bank it as is, we don’t have time to check on weird coins and just bank all money direct.
Should You Consider a Reverse Mortgage?
Success
MARCH 4, 2025
Prior to legislative changes that began under the Reagan administration , banks had many avenues to take the equity in a home, Walton says. So the longer you have a reverse mortgage, the more you pay at the end (as opposed to a traditional mortgage where you gain equity as you make monthly payments to the lender or bank).
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This 27-Year-Old Left a Promising Architecture Career to Revamp Her Family’s Struggling Hotel Business
Success
MARCH 13, 2024
Starting fresh isn’t easy After the tax agents left, Nelson’s great-grandmother went to the bank to withdraw $500 from her personal bank account so that they would be able to make change for the patrons at the bar and restaurant. To say this was an eye-opening experience would be an understatement.
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Bouncing Back Stronger: 3 Strategies to Help You Survive and Thrive After a Layoff
Success
DECEMBER 14, 2024
You can take courses on Udemy, apprentice in a chosen trade, learn to run and grow the business using your native digital skills, and then negotiate a purchase on friendly terms with creative financing. You’re not restricted to your current geography or zip code in this new world alone.
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