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HousingWire Magazine: September 2021

[ad_1] Brena NathHW+ Managing Editor Did you dream about getting into the mortgage industry? It’s a question — an often joked about question — that I think we’ve all heard before when chatting with others in the space. Personally, my own answer is no, but here I am nearly eight years later still in it, albeit from the journalism side. I distinctly remember my first interview at HousingWire. It was in 2013 and the aftermath of the financial crisis still filled most of our coverage, with the CFPB still in its infancy. Fresh out of college, I stood out as an applicant since I wasn’t as jaded when it came to the Great Recession and wouldn’t frame all my pieces as anti-mortgage. I point this out because within these pages is a recurring theme around the next generation of mortgage workers. We joke about not dreaming of getting into this space, and yet we call home-ownership the American dream. The September magazine spotlights our 100 HousingWire Insiders, the operational all-stars at companies. These are 100 people who are changing the narrative for the next generation of workers, creating an environment and space where people might finally choose to do mortgage when they graduate college. Starting on page 36, you can check out all our honorees. We had a remarkable group of winners this year. Then, beginning on page 64, we spotlight three winners, who share their insight on how to get more people into the space and, more importantly, how to retain them. To view past issues of HousingWire Magazine, go here. 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 HousingWire Magazine: September 2021 appeared first on HousingWire. [ad_2] Source link

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Biden’s not-so-radical plan to boost affordable housing

[ad_1] President Joe Biden and Sandra Thompson The Biden administration, in announcements from a suite of federal agencies, signaled Wednesday that it is making a significant effort to address the lack of supply of affordable housing in America. The announcements spanned three different federal agencies in addition to the government sponsored entities. The agencies will boost funding for existing programs geared toward producing, financing and rehabilitating affordable housing. The efforts will produce 100,000 additional affordable homes for homeowners and renters over the next three years, the White House said, with an emphasis on the lower and middle segments of the market. The Federal Housing Finance Agency announced that the government sponsored entities will increase the amount of low income housing tax credit investments from $500 million each to $825 million each. It will also increase the targeted rural portion of those investments from 40% to 50%. ​​​​​”The severe shortage of affordable housing in America requires coordinated government action. As part of the federal government’s response, FHFA is instructing Fannie Mae and Freddie Mac to boost the housing supply in communities across the country by significantly increasing their Low-Income Housing Tax Credit investments and by expanding opportunities for local families to access affordable homeownership and rental housing,” said Sandra Thompson, acting director of the FHFA. 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 Biden’s not-so-radical plan to boost affordable housing appeared first on HousingWire. [ad_2] Source link

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Swagbucks vs. Survey Junkie

[ad_1] The post Swagbucks vs. Survey Junkie appeared first on Millennial Money. Swagbucks and Survey Junkie are two of the most popular paid survey sites on the internet. If you’re looking to make money taking surveys, these platforms should be at the top of your list. To be clear, you won’t get rich from either of them, but you can use both sites to turn your spare time into extra cash. In this post, we’ll compare Swagbucks vs. Survey Junkie. Here’s a quick comparison summary: SWAGBUCKS SURVEY JUNKIE Ways to Earn 🏆 Surveys, videos, games, shopping, browser extension, sweepstakes Surveys, browser extension Referral Program 🏆 300 Swagbucks per referral None Payout Options PayPal Cash, Gift cards 🏆 Bank transfer, PayPal Cash, Gift cards Sign-Up Bonus 🏆 $20 $0.50 Keep reading to get a better idea of how to make money on both sites, where each one shines, and where they fall short.  Swagbucks Overview Swagbucks is a paid survey website founded in 2008. It pays in its own currency, Swagbucks, or SB for short. In addition to surveys, you can also earn SB by watching ads and playing games. Swagbucks is free to use, and it takes just a couple of minutes to sign up through its website or mobile app. You’ll get a $20 sign-up bonus for joining. Your bonus will show up in your account once you make a purchase of $25 or more through one of Swagbucks’ partner merchants. Learn More: Read my in-depth Swagbucks Review How to Earn Money on Swagbucks When you complete tasks on Swagbucks, you’ll earn SB, which you can later redeem for gift cards or cash in your PayPal account. The conversion rate is simple: one SB equals one cent. Different tasks come with different payouts, and some tend to be more lucrative than others. Here are some ways you can make money on the site.  Online surveys Market research companies pay Swagbucks to collect consumer opinions. In turn, Swagbucks pays you to complete surveys.  Log into Swagbucks, and you’ll see a list of available survey opportunities in your dashboard, along with the payout amount and an estimate of how long each one should take. Each survey starts with a brief screening questionnaire. If you meet the requirements, you’ll be able to proceed with the survey and earn points. Keep in mind that surveys typically require a specific demographic profile, so you won’t qualify for all of them. Payouts range from a couple of SB to a few hundred. In general, the longer the survey takes and the more specific the qualifying requirements are, the more you stand to earn. Online shopping If earning cashback is your life’s calling, Swagbucks has you covered.  Swagbucks partners with a ton of retailers, and each partnership comes with a different cashback percentage, which hovers somewhere between 1 percent and 8 percent. All you have to do is log into Swagbucks, choose where you want to shop, and watch your SB balance grow after you check out. Would you rather shop in person? No worries. You can still earn SB by uploading your receipts to Magic Receipts. Swagbucks also offers printable grocery coupons to help you score discounts, plus extra SB when you use them. Videos and games For those looking to make money while kicking back, you can earn SB by watching video ads or playing games. These aren’t the highest-earning options, but they take the least amount of effort — and are the most fun, to boot. The videos are mostly ads for consumer and entertainment products and usually last just a few minutes. Games are primarily mobile-based. You earn points by purchasing in-game perks or downloading free, ad-filled games Browser extension Swagbucks offers a Chrome-compatible browser extension called the SwagButton. You get 25 SB just for installing it, and it’ll automatically let you know if the site you’re shopping on has a cashback deal available. The SwagButton also automatically adds any available coupon codes at checkout. So you won’t have to scour the internet to find one. Sweepstakes Swagbucks also offers regular sweepstakes, called Swagstakes, that pay rewards if you win. Prizes range from Amazon gift cards to big SB payouts. Keep in mind that Swagstakes cost a handful of SB to enter. Referrals You can also earn easy points by referring your friends to the site. When you make a successful referral, you and your friend each receive a 300 SB bonus. On top of that, you’ll get 10% of your referral’s lifetime earnings on the site. Refer a lot of friends who become heavy Swagbucks users, and you can continue to rack up SB as long as they stay active. Swagbucks Payout Options To cash out with Swagbucks, you’ll need a minimum balance of 300 SB ($3), although some rewards have a higher payout threshold. PayPal Cash If you want real money, your best bet is to cash out through your PayPal account. The minimum balance for PayPal Cash is 1,000 SB ($10), and the email associated with your Swagbucks account must be the same as on your PayPal account.  You can easily spend PayPal Cash online wherever PayPal is accepted, but keep in mind that there could be a fee if you want to transfer the funds to a bank account.  Gift cards If you want to cash out faster, you can opt for gift cards to popular retailers like Amazon, Walmart, and Target.  Gift card values as low as $1 are available, and you’ll have hundreds of options to choose from. You can even opt for gift cards from companies like Visa and American Express. Swagbucks – Easy Online Rewards & Surveys FREE Swagbucks is a legit money-making app where you can make money taking surveys, watching videos, and more. Sign Up ($20 bonus) Survey Junkie Overview Survey Junkie is an online market research community. It’s completely free and available to residents of the U.S., Canada, and Australia.  Arguably the best-known survey site out there, Survey Junkie boasts

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“Do you allow your kids to date?”

[ad_1] Our topic today – our takes on courtship and dating – might be considered a bit controversial by some! You may recall an early episode of the podcast in which we talked about our own history involving this topic, and if you did hear that episode, then you may also remember that we have a pretty unique story of how Jesse and I ended up in a relationship together and how we had strict courtship rules set by our parents. In this episode, we’re talking more about that and answering the question, “Do you allow your kids to date?” We share how we are approaching dating and relationships with our teens. It may surprise you to find out that we don’t have rules for dating at our house (such as, “You can start dating when you are 16”, etc.) Instead, we are seeking to walk with our kids, have lots of conversations, point them to Jesus, and seek to rely on the Holy Spirit (as we talked in last week’s episode!) for wisdom and guidance as we guide our kids. In this week’s episode, we also discuss Jesse’s new water bottle, our new double stroller, two books we finished recently, listening to podcasts on double speed, and more!  In This Episode: [0:32] – Today’s topic is courtship and dating. [2:20] – Jesse surprises me by bringing something off “script”. [5:42] – I reveal that we recently got a new stroller which has been saving my life lately! [8:28] – You can get the double stroller that we bought for a relatively low price on Amazon! [9:48] – Jesse just finished Black Ice by Brad Thor. [10:58] – I just finished re-reading Wonder by R.J. Palacio. [12:55] – An email and an iTunes review sent in by listeners. [15:40] – Jesse offers a funny tip about listening to podcasts at a certain speed. [17:32] – We dive into the main topic – courtship vs. dating. [19:58] – Teenagers are more apt to listen if parents have conversations with them as opposed to just laying down rules. [22:45] – Encouraging our kids to plan and think about the future, not just live in the moment. [25:22] – Each and every child is different; we don’t want to have a conveyor belt approach to parenting. [27:40] – Why we have tried to perfect the art of stoicism as parents. Links and Resources: The Crystal Paine Show – Episode 5: Courtship Rules and Our First Kiss The Crystal Paine Show – Episode 129: My System for Keeping on Top of Emails The Crystal Paine Show – Episode 136: Don’t Miss Out on This Superpower! (with Jeannie Cunnion) Graco Ready2Grow LX 2.0 Double Stroller, Clark Brad Thor – Black Ice R.J. Palacio – Wonder Love-Centered Parenting 10 Days to Be a Happier Mom Sign up for the Hot Deals Email List MoneySavingMom.com My Instagram account (I’d love for you to follow me there! I usually hop on at least a few times per day and share behind-the-scenes photos and videos, my grocery store hauls, funny stories, or just anything I’m pondering or would like your advice or feedback on!) Have feedback on the show or suggestions for future episodes or topics? Send me an email: crystal@moneysavingmom.com How to Listen to The Crystal Paine Show The podcast is available on iTunes, Android, Stitcher, and Spotify. You can listen online through the direct player here. OR, a much easier way to listen is by subscribing to the podcast through a free podcast app on your phone. (Find instructions for how to subscribe to a podcast here.) Ready to dive in and listen? Hit the player above or search for “The Crystal Paine Show” on your favorite podcast app. [ad_2] Source link

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