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[ad_1] How do I manage the constant sales pitches that are all over social media? -a follower This is such a great question! All day long, we are bombarded with marketing — whether that’s billboards on the side of the highway, ads on the radio or a podcast, a display at the grocery store, a sign encouraging you to up-size your order at the fast food restaurant, a sale banner at the mall, ads online, and on and on it goes! Before you click on a link, pick up an item at the store you weren’t planning to buy, add an item to your online cart, or make that impulse purchase, here are five questions to ask yourself: 1. Do I Need It? It’s important to learn to discern between true needs and wants. This doesn’t mean you should only buy things you need, but I think knowing the difference between needs and wants upfront helps you to be more intentional. 2. Do I Have Money In the Budget For It? I don’t care have inexpensive it is, if you don’t have the money for it, it’s not a good deal for you. There will be another deal on this item in the future! If you really want it, earmark a space in your budget to start saving for it for when a deal comes around next time. 3. What Could/Would I Spend This Money On If I Wasn’t Buying This? When you say yes to buying one thing, you are inadvertently saying no to buying something else. Is this worth the yes to you? 4. How Many Hours Do I Have to Work to Buy This? Think about money spent in terms of your hourly wage. If you make $20/hour after taxes and an item costs $40, is it worth two hours of work to buy it? 5. Could I Make Do With What I Already Have? Again, I’m not saying that you shouldn’t buy something new, but before doing so, make sure that you couldn’t easily use what you already have. (Sometimes, in the moment of seeing a great deal, we will forget that we already have something similar at home!) I’m not sharing these questions to take the fun out of shopping. On the contrary, I think shopping is actually more fun and rewarding (especially long term!) when you do it on a budget and with intention. Train yourself to just quickly ask these questions before you go to buy something and see how it changes your shopping! Best of all, I think the most important benefit to asking these questions is that you’ll likely appreciate your purchases a lot more — and have a lot less buyer’s remorse! What questions do you ask before you make a purchase? I’d love to hear! photo credit [ad_2] Source link

[ad_1] More U.S. workers bought their employers' stock in pandemic- study [ad_2] Source link

[ad_1] A former CIL CMD said on the condition of anonymity that the ministry’s demand means to supply 48 days’ coal requirement in 30 days. “The PSU miner’s production will depend on its capacity and capacities are not built overnight,” he said. [ad_2] Source link

[ad_1] Purchases of single-family rental properties by investors are on the rise in Sunbelt cities like Phoenix; Austin, Texas; Las Vegas; Tampa; and Charlotte, among others, according to research by John Burns Real Estate Consulting.  The increased buying activity is raising concerns that large institutional investors are disproportionately represented in these markets and “are driving up home prices to unsustainable levels,“ said John Burns, CEO of John Burns Real Estate Consulting.  His concerns are fueled by business headlines like this, from CNN: “Wall Street is buying up family homes. The rent checks are too juicy to ignore.” Burns concedes he is still working with the data and, at this point, only has a working hypothesis. A problem with that data so far, Burns said, is that it is difficult to distinguish large institutional buyers from mom-and-pop landlords with a handful of properties, or even how many are single buyers simply purchasing a vacation home.  One trend, however, is clear. Since the beginning of this year, private-label securitizations backed by mortgages on single-family rental properties have risen sharply. This content is exclusively for HW+ members. Start an HW+ Membership now for less than $1 a day. Your HW+ Membership includes: Unlimited access to HW+ articles and analysis Exclusive access to the HW+ Slack community and virtual events HousingWire Magazine delivered to your home or office Become a member today Already a member? log in The post Wall Street investors are the new breed of single-family landlords appeared first on HousingWire. [ad_2] Source link

[ad_1] The post PocketGuard Review for 2021 appeared first on Millennial Money. In our PocketGuard review, you’ll learn all about what this app has to offer so you can determine whether it makes sense for your unique situation. What’s the PocketGuard App? PocketGuard is a budgeting app available for both iOS and Android devices. The free budget app syncs with checking, savings, and credit accounts to give you a complete overview of your cash flow and expenses. It also uses an algorithm to track how much you have in your bank account for everyday spending.  PocketGuard launched in 2014 and operates out of the San Francisco Bay area.  The app has 3.7 stars (out of 5 stars) on Google Play and 4.7 stars (out of 5 stars) on the App Store, suggesting users are pretty happy with it overall.  PocketGuard Overall Rating 8.6 Bottom Line PocketGuard is a free budget app syncs with checking, savings, and credit accounts to give you a complete overview of your cash flow and expenses. It also uses an algorithm to track how much you have in your bank account for everyday spending.  Pros Automatically sync data across multiple accounts Works with Android and iPhone Quick access to disposable income through In My Pocket Visualize transactions with pie charts Build multiple budgets Cons No way to input transactions manually Limited customer support No bill pay Free edition has limited functions Mobile App 8.5 Security 9.5 Customer Service and Support 7.0 User Friendly 9.0 or, skip straight to the section on how to sign up for PocketGuard PocketGuard Features Here are a list of the top features of PocketGuard. Automatic account syncing  PocketGuard supports about 18,000 financial institutions across the U.S. and Canada. So if you use a major bank or credit card, you should be able to link your account without a problem.  If you’re not comfortable connecting your bank account to PocketGuard, you won’t be able to use the app.  In My Pocket Struggling with overspending? If so, you’re not alone. PocketGuard can help. Its “In My Pocket” feature provides instant visibility into how much you have in your account and what’s left over for spending after bills, savings, and investments. For example, suppose you make $3,500 in one month and have $2,000 worth of expenses. The app would take the difference and essentially give you an allowance of $1,500 for spending. The app doesn’t restrict or control your money in any way. So you can spend more money if you need to. But that would defeat the point of budgeting.  Transaction reporting With PocketGuard, you can easily see where your money is going daily, set spending limits, and access spending pie charts. You can also use a handy hashtagging feature to track transactions across various spending categories. Simply choose a transaction, add a note, type a hashtag (e.g., “#dining” or “#entertainment”), and then hit “Save.”  Moving forward, you’ll be able to check out hashtag reports in the app’s insights section to track your spending across categories. Debt payoff  The app lets you set up a debt payoff strategy and stick to a payment schedule. Essentially, you create a budget and make sure to allocate money to debt payments each month. You can also track your payments over time and observe your progress toward debt-free living.  Find savings  PocketGuard aggregates numerous financial services for customers. The app can connect you with third-party tools to lower bills, cancel unwanted subscriptions, get shopping rebates, and improve your credit score.  To access this feature, you’ll first need to answer some questions in the profile section. Once that’s done, the app sends you custom offers designed to help you save some cash.  PocketGuard Pricing PocketGuard offers a free version of the app with limited features. To access the full lineup of tools, you have to upgrade to the paid version — PocketGuard Plus — which costs $7.99 per month, or $79.99 per year. You can also make a one-time purchase of $99.99 for lifetime access. There’s no mention of PocketGuard Plus on the company’s main website. But if you venture over to PocketGuard’s help site, you can find all the details there.  PocketGuard Plus: An overview Here’s a breakdown of what you’ll get with PocketGuard Plus.  Use multiple cash accounts: PocketGuard Plus lets you add up to ten cash accounts so you can track all of your money in one place.  Form a debt payoff plan: You can build a debt payoff plan with PocketGuard based on your unique needs. The debt payoff plan offers two common debt reduction strategies, the snowball and the avalanche. (For a complete breakdown of these methods, check out this primer.) Create custom categories: PocketGuard Plus gives you more granular control over budgeting by allowing you to create custom categories. Adjust transaction dates: With PocketGuard Plus, you can change the transaction date for more precise monthly reporting.  Export transactions: PocketGuard Plus lets you export data into charts and graphs using Excel or Sheets. And you can also download your transaction history as a CSV file. Create multiple goals: One of my favorite features in PocketGuard Plus is the savings goal feature. You can track multiple goals from a single app for greater visibility.  Split transactions: PocketGuard lets you split or unsplit transactions as you need to. The app treats splits like regular transactions.  My advice is to go all-in and pay for the premium model. I like how you can add up to ten accounts and access specific debt reduction strategies. Plus, you’ll gain more control for categorizing and managing budgets.  The price is reasonable when you consider the number of features that you can access.   Signing Up and Getting Started   Want to get started with PocketGuard? Follow these steps: 1. Sign up for PocketGuard Just about anyone can sign up for PocketGuard. There are no eligibility requirements other than being at least 18 and having a bank account. To begin, head over to PocketGuard’s website and click “Start Now.” You can sign

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[ad_1] A liberal think-tank, regulators, the government-sponsored enterprises, the President of the United States, even fintech firms have all called attention to appraisal bias. But among them, one agency is taking the lead in spearheading the issue. Earlier this year, President Joseph Biden charged Department of Housing and Urban Development Sec. Marcia Fudge with leading an inter-agency task force to root out bias in appraisals. Discrimination in appraisals “robs Black families of billions of dollars in home equity and household wealth,” HUD Sec. Marcia Fudge has said. The task force, co-chaired by Fudge and the director of the United States Domestic Policy Council, Susan Rice, has convened high-level officials from entities including the Federal Reserve, the Office of the Comptroller of the Currency, the Consumer Financial Protection Bureau, the Department of Justice and the Federal Housing Finance Agency. The task force appointed Melody Taylor, HUD’s regional director for its Mid Atlantic Office of Fair Housing and Equal Opportunity. In her role as regional director, Taylor oversees programs and policies related to fair housing, economic opportunity, civil rights and nondiscrimination in the implementation of HUD programs. Yet there are outstanding questions about the nature of bias in appraisals. It’s unclear how frequently bias figures in, if it is mostly conscious or introduced inadvertently, and what role historical discrimination plays. Freddie Mac recently produced a novel analysis of appraisal reports — the first public research of their data — which found that appraisals in minority neighborhoods are more likely to fall short of the contracted sales price. Fannie Mae has said it too is working on an analysis of its appraisal report data. Neither of the GSEs have made their trove of appraisal data publicly available for researchers to comb through. Taylor agreed to answer HousingWire’s written questions about the progress of the interagency task force, and how HUD’s understanding of bias in appraisals is taking shape as they forge a final action plan. Here’s how Taylor, via email, responded to our queries. Georgia Kromrei: How many complaints of appraisal bias has HUD received this year? What about last year? This content is exclusively for HW+ members. Start an HW+ Membership now for less than $1 a day. Your HW+ Membership includes: Unlimited access to HW+ articles and analysis Exclusive access to the HW+ Slack community and virtual events HousingWire Magazine delivered to your home or office Become a member today Already a member? log in The post HUD official talks appraisal bias task force appeared first on HousingWire. [ad_2] Source link