Any disadvantage to buying a home with cash? I am currently having a home built on land that I own. I am financing construction costs with a construction loan. My plan has been to take out a mortgage on the new home (once it is complete) and use that mortgage (plus proceeds from the sale of my current home) to pay off the construction loan. However, have had some other investments perform…

My mortgage company failed to pay my property taxes from escrow and now I’m being fined for late fees. Not sure how to proceed. I’ve been with the same mortgage company for a few years and they have always paid my homeowner’s insurance and property taxes from the escrow account. I have never been late or missed a payment. I received an email from the mortgage servicer saying there was a surplus in my escrow account and I would be getting a refund check. When I went to m…

Extra Mortgage Payments or Savings Strategy I have a 30 yr fixed at 6.125. I could easily make extra monthly payments and additional yearly lump sum payments with end of year bonuses and have the house paid off in 6-10 years. I’m almost 50 so it there isn’t a huge amount of time to save. I have a good retirement account as well as some other conservative investments (guaranteed to drop no…

Father-in-law died unexpectedly, mother-in-law is in assisted living. What do we do next? Looking for advice: My father-in-law passed away unexpectedly in November. He was the caretaker for my mother-in-law who has Parkinson’s. They live across the country from us, so in the immediate aftermath we focused on getting her into an assisted living situation in her community. Now we’re ready to tackle some of the finances. My mother-in-la…

Look for help to pay off CC Hi between me and my wife we have about 16k in credit card debt due to vet bills. Most of the cards have 27% apr. we haven’t missed any payments and even pay little extra on one but balance don’t seem to be going down much with the high rates and don’t have whole lot extra to pay extra. we are not using them anymore. But we’re weighing out optio…

LPT Request : How to seem genuinely cheery and smile during interviews? I have a couple of MBA Interviews coming soon. Post-covid and battling depression, coupled with a resting bitch face – I come off as snarky and cold. I am definitely an interesting individual but it almost kills me to seem chipper and smily during my interviews. Help? submitted by /u/Content_Bill6868

LPT: When Asking for Help, Show What You’ve Already Tried First Whether you’re asking for help at work, online, or in everyday life, you’ll more than likely get better responses if you show what you’ve already tried. Instead of: ❌ “How do I fix this error?”Try: ✅ “I’m getting this error, and I’ve already tried X, Y, and Z, but I’m still stuck. Any suggestions?” I think this works because people respect the e…

LPT onions will last twice as long if you hang them from a hook in open air. Seriously get them out of your pantry. submitted by /u/Sporkee

LPT: Clean car/Tidy Life LPT: Years ago I started keeping a small trash can in the garage on the drivers side of my vehicles, in a corner and out of the way. Every time I get into or out of the vehicle (loading kids in/out) napkins, wrappers and all daily refuse is easily tossed. Weekly when I take out the house garbage can to the curb I also toss the garbage bins conte…

LPT: If someone is hesitant with giving you a rough estimate on something, ask them if it is one of two random options. This will make them correct you with the estimate you wanted in the first place. I use this all the time when I need someone to tell me a rough estimate of really anything – costs, distance, time, whatever. Sometimes people hesitate because they don’t want to tell you something wrong, or are unsure about what would be right – but YOU know for sure that THEY know it better than you, so you have to kind of force them to tell y…

LPT: Your Boss is Not Your Career Manager – Take Control of Your Growth Life Pro Tips: Sometimes I think a common mistake professionals make is assuming that their boss is responsible for their career progression. While a good manager can support and guide you, your career growth is ultimately your responsibility. If you’re feeling stagnant or unchallenged, it’s time to take proactive steps to advance. Maybe talk to…

LPT: As a Boss, one of your top priorities should be the career growth of your employees This is the other side of the post that was just done because as a talent development professional, that didn’t sit right with me, fully. A managers main duty is to the company, correct, but after that the focus should be on the people who report to you. When they do better and increase their abilities, everybody wins. So, to all the bosses ou…

LPT: If it takes 5 minutes or less, do it right away. This one is for my fellow procrastinators. Heard this a few years back and it’s a great mindset to have once you do it consistently. The best of example is doing dishes. You see a few dishes on the counter and think “I’ll get to those later” because you’d rather go doom scroll for a bit. Then you get side tracked, later turns into tomorrow, and…

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