by Don Gayhardt | Mar 23, 2021 | Budget, Finance, Money Management, Mortgage
One of the effects of the pandemic was a global reduction in interest rates. Because of this, many homeowners have considered refinancing their mortgages. A lower interest rate on your mortgage can benefit you in many ways, from lowering your monthly payment to...
by Don Gayhardt | Jun 9, 2020 | Budget, Finance, Income, Money Management, Mortgage, Retirement, Saving
People may make a lot of mistakes when it comes to retirement planning, from not saving enough to making an unrealistic budget to guide savings. Planning for retirement involves a lot of guesswork as people estimate when and where they’ll retire. All too often, people...
by Don Gayhardt | Feb 19, 2020 | Data, Education, Money Management, Mortgage, Saving
Buying a home for the first time is an extremely exciting time in a person’s life. However, securing a mortgage and dealing with the other issues that arise can be extremely stressful. The best way for first-time homebuyers to prepare for this process is to learn as...
by Don Gayhardt | Feb 6, 2019 | Budget, Data, Finance, Income, Money Management, Mortgage, Saving
After the last financial crisis, mortgage lenders became much more stringent about approving home loan applications. The strongest mortgage applications, as well as the most enticing home purchase offers, depend in large part on the ability to put down the most money...
by Don Gayhardt | Jun 7, 2018 | Budget, Finance, Information, Loan, Money Management, Mortgage, Retirement, Savings
One of the most stressful personal finance processes that people may go through is purchasing a home, which includes everything from making an offer to securing financing. In a seller’s market, like the one we are currently in, individuals often face a lot of...
by Don Gayhardt | May 31, 2018 | Data, Education, Finance, Income, Investment, Money Management, Mortgage, Retirement, Savings
People often think that managing personal finances boils down to saving money whenever possible and minimizing spending, but this is a very simplistic point of view. In reality, one’s financial wellbeing is more about mindset than actions. While actions are what get...
