8 Financial Tips For Young Adults

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8 Financial Tips For Young Adults

 

Personal finance has not yet become a required subject in high school or college. If it is available for you to take in your school, will you apply what you learn? You may be more focused on relationships, video games, the newest fad, partying and not quite understand how decisions you make today financially will effect your future.   You might be fairly clueless about how to manage your money when you’re out in the real world for the first time. If you think that understanding personal finance is way above your head, consider that you may just be wrong in thinking that thought. All it takes to get started on the right path is the willingness to do a little reading – you don’t even need to be particularly good at math.

To help you get started, we’ll take a look at eight of the most important things to understand about money if you want to live a comfortable and prosperous life.

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7 Lies Young People Hear When Growing Up

9th place imageSo you have a few of the ‘certificate of participation’ awards and want to take those to your first job interview, well you will soon see how much weight they carry.  The ‘Wall of Gaylord Focker’ may need to stay on the wall of your parents home.” The truth? Honesty is a must, perfection is a myth, and failure is your friend.

American students have been trained from an alarmingly young age to believe that as long as they show up, they should be rewarded—and that is lulling them into a false sense of security.  After all, simply being there isn’t the same as contributing, and participating isn’t the same as succeeding. No one will be rewarded for just showing up in the real world. Success isn’t found inside a rubric. It certainly isn’t something achieved without a few experiments, mistakes, and failures along the way.

Here are seven common lies that young people hear growing up—and the blunt, uncensored truths behind them:

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How To Interview A Realtor When Selling Your Home

real estate agentWhen selling your home, choosing the Realtor who will represent your best interests is one of the most important and one of the first steps in the process.  Unfortunately, many sellers do not understand how important this is or believe that to be the case.

A piece of advice if you are thinking about selling your home, do not hire a Realtor because they are just your friend or because they are a colleagues spouse.  Every Realtor is different, period.  There are many consumers who believe every Realtor is the same and they all do the same things to sell homes, which is the farthest from the truth!  Each Realtor runs their business differently, advertises in different places, and utilizes different sales techniques.

Here are some common questions you should ask when interviewing a Realtor to sell your home.  

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Why You Need a True Mortgage PRO!

Doug Show CardAdvertising will often make consumers believe that they can walk into their local bank or call an online lender to get a mortgage. This may be fine as long as your situation is simple. However, a large percentage of mortgage applicants have situations that make them unique. Mortgage guidelines change very rapidly. There are tax consequences that differ between mortgage options. And, the mortgage needs to be considered a financial instrument that can help you build wealth over time.

 

You won’t get advice like this from the loan hacks at many of the big banks, credit unions, or online lenders. You need a true professional that studies the mortgage guidelines and everything surrounding the largest piece of debt that you will take on as a consumer. Below are a few recent rule changes that are examples of underwriting guidelines that most lenders won’t know.

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5 Crucial Questions To Plan Your Mortgage

Doug Show CardHas Your Mortgage Banker Committed Malpractice? I was fortunate that early in my career one of my mentors gave me some great advice:  “prescription without diagnosis is malpractice”.  That advice has helped me build a thriving mortgage practice thousands of followers.  I realize that what separates the average Loan Originator from the great ones are the questions that they ask.  By not asking the probing questions that a consumer doesn’t know to ask, you may end up with a loan that costs you thousands of extra dollars over time.  This is no different than a doctor not asking the questions necessary to make a diagnosis before he starts writing a prescription. A home is frequently your largest investment, and your largest debt!  Your mortgage is no longer just a mortgage, but more of a financial instrument.  It should literally weave into your long and short term financial, investment, and life plan. Together with my clients, we form a debt strategy that leads to wealth creation over time. To truly understand a client’s needs, these five questions are crucial:

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Saving Money On A Gym Membership

join our gymDoug and Tammie review how to save money on a gym membership can lead to exercising good judgement.

#1 Never ever ever ever sign a gym contract

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Inquiries: Losing Points On Your Credit Score

3d rendering of a credit card cut into pieces

How many points does a credit inquiry make you lose?

You all know this person, and if you don’t it’s probably because it’s you. The person who opens up their wallet or purse to see  every store credit card that is known to man/woman. This is all due to that delightful store clerk asking them at every store if they want that tremendous 20% off today’s purchases by applying for their store card.

Other than having too many revolving accounts, these types of individuals are also being crippled with “too many inquiries” (as indicated on your credit report).

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First Time Home Seller

Sold-signMost first time home sellers have no idea where or how to start the home selling process.

It’s very important that first time home sellers understand what the home sale process entails, what costs are associated with selling a home, and many other very important aspects of the home selling process.

Decide What Your Next Move Is

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How To Choose Which Debts To Pay Off First

which-debt-to-pay-off-first1-300x300Even most experts make the wrong choices when choosing which debts to pay off first.  For an example if you received $30,000 and you are faced with the decision on what debt to pay first will you make the right choice?

Andy Prescott from the artofbeingcheap.com approached this topic.  Check out his post at:

The post Which debt to pay off first? 98% of Personal Finance Bloggers are wrong! appeared first on The Art of Being Cheap.

Rethinking Your Resolutions

resolutionsNew year, new you, new home. The calendar change always invites all sorts of resolutions, some of them attainable, many of them impractical and stress-inducing.  But changes needn’t be big or difficult to be life-altering. Here are some financial–related New Year’s resolutions you can make for 2016 that will pay big dividends with minimal effort. Read More »

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