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ARCHIVES 2022

Money worries making the holidays less merry? 5 tips from a financial therapist
to rein in financial anxiety
3 gift ideas for every kid on your list
4 savvy holiday spending tips for a financially strong start to 2023
3 ways women are taking control of their finances to reenergize their future
5 crazy pet accidents of 2022 and how to safeguard your pet in the New Year
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3 gift ideas for every kid on your list
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3 ways women are taking control of their finances to reenergize their future
4 savvy holiday spending tips for a financially strong start to 2023
Money worries making the holidays less merry? 5 tips from a financial therapist
to rein in financial anxiety
5 crazy pet accidents of 2022 and how to safeguard your pet in the New Year
3 gift ideas for every kid on your list
Top Stories

4 savvy holiday spending tips for a financially strong start to 2023
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* Daily Penny

3 WAYS WOMEN ARE TAKING CONTROL OF THEIR FINANCES TO REENERGIZE THEIR FUTURE

(BPT) – Facing an uncertain economy, rising inflation and a potential recession
on the horizon, many are stressed about their own finances, and women are
especially feeling financial pressure. According to a new study by Fidelity
Investments, nearly half (47%) of women say their outlook on money and economic
issues has worsened over the past year.

With primary stressors including inflation (71%), the rising cost of essentials
(65%), and not having enough saved for emergencies (58%), women are demanding
more from their money and taking control of their finances to improve their
immediate future, in three key areas: spending, saving and learning.

1. Continue evaluating spending

One of the first places to look when evaluating short-term finances is your
spending. Many women are already scaling back on spending to make their money
stretch further. Fidelity’s study found 53% of women cut back on nonessential
activities and entertainment, while 39% cut back on travel and vacation expenses
in the past 12 months. There’s never a better time than the present to evaluate
your budget, income, and goals to see what changes you can make to make the most
of your financial priorities. One quick way to cut back on costs is to review
streaming services, monthly subscriptions and memberships and pause the ones you
didn’t use much this year or didn’t enjoy using.

2. Saving for a rainy day fund

Because most women are concerned about not having enough saved for emergencies,
it’s a great idea to start or add to an emergency fund. In fact, 30% of women
are already planning to start or add to their emergency funds in the next 12
months. But it can be challenging to set aside money for emergencies, especially
when money is already tight. When your budget doesn’t allow much wiggle room for
emergency savings, you can focus on adding extra funds into an emergency fund.
For example, take any money from cash gifts, cash back from credit cards or
cashback services, and your tax refund and immediately deposit them into your
emergency savings account. This will help you grow your fund while maintaining
your current budget.

3. Boosting financial knowledge

Financial education can be a powerful tool to help you get the most out of your
money and women are eager to learn how they can make their money work harder for
them. More than a quarter of women surveyed want to learn more about managing
debt and credit, 25% want to learn how to create and stick to a budget and 24%
want to learn about savings.

Many women also want to change their financial habits and mindsets to get more
out of their money, especially younger women. One in four Gen Z women are
interested in learning how to improve their money mindset, such as learning how
to overcome spending guilt, break bad habits or improve their overall
relationship with money.

Developing a strong financial foundation and practicing good financial hygiene
are all ways to help make your money work harder for you. Even though women want
to learn, there haven’t always been resources for women to learn about money.
Women want financial basics, but they also want to learn about them in an open
and honest environment, and they want to learn about the unique money challenges
facing women.

A learning community for women, by women

Reinforcing their ongoing commitment to helping women achieve financial success,
Fidelity created Women Talk Money, a community made for women, by women, to help
normalize money talk in an honest and open environment. Through the community,
Fidelity offers live events, workshops, newsletters and educational content on
everything from financial basics like learning how to save and invest, to more
in-depth concepts like the financial benefits of life insurance, to career
guidance, such as negotiating a pay increase. Women Talk Money also covers
women-specific topics like gender pay gaps and career breaks to help women
navigate the unique financial challenges facing them. And the community recently
launched on both Instagram and LinkedIn, to help reach more women and meet them
where they are.

To start demanding more from your money and controlling your financial future,
visit Fidelity’s Women Talk Money hub.

* admin

* Dec, Fri, 2022

* Daily Penny

3 GIFT IDEAS FOR EVERY KID ON YOUR LIST

(BPT) – Selecting the perfect gift can be a challenge, no matter who is on your
list. However, when it comes to kids it can be particularly challenging to think
of unique gift ideas year after year. With a record year of inflation, many are
rethinking how they give gifts this holiday season and beyond.

According to a recent Fidelity Investments® gifting study, 42% of parents say
they will spend less on their children’s gifts this holiday season due to
inflation and the current economic climate. While parents claim they’ll be
spending less this year, they still anticipate each child receiving an average
of $996 worth of gifts collectively from themselves, family and friends.

The study breaks down gifting trends from over 1,000 parents across the U.S.,
and when asking what gifts they think their kids will want this year the top
three responses include toys & games, electronics and apparel. While 35% of
parents say they’ll be more likely to prioritize non-material gifts, here are
three gift ideas that will never go out of style over the years:

1. Experiences

Whether it’s tickets to see their favorite musical artist or band, a day trip to
a museum or amusement park, or even a promise to simply pick the next family
outing — gifting an experience that allows the opportunity to continue creating
memories with kids will never go out of style.

2. Education

With college costs increasing each year, saving for college is top of mind for
parents now more than ever. According to Fidelity’s study, 84% of parents say
they’d welcome contributions to their child’s college savings account in lieu of
traditional holiday gifts, and with all the benefits of a tax-advantaged account
like a 529 college savings, providing a lasting and meaningful gift like a
contribution to a college fund has never been easier.

3. A Donation

When asking about their money wishes for their children, 1 in 4 parents wish
their children would embrace charitable giving and think about others before
themselves. Another gift idea could be to make a donation to a charity on their
behalf, asking them to pick a toy or two to donate before opening other gifts,
or even donating time together as a family and volunteering at a local food
pantry or soup kitchen.

Whether you have a young child, a high school senior getting ready to leave the
nest, or a niece or nephew, these gifts ideas will be a hit for any child at any
age. For more information on college gifting visit Fidelity.com/collegegift. For
the full study results visit: https://bit.ly/3PgUEP9.

* admin

* Dec, Thu, 2022

* Daily Penny

4 SAVVY HOLIDAY SPENDING TIPS FOR A FINANCIALLY STRONG START TO 2023

(BPT) – By Jason Gaughan, Head of Consumer Credit Card Products at Bank of
America

This year, shoppers are looking for ways to stretch their dollars throughout the
holiday season so they can start 2023 on strong financial footing. In fact,
nearly 1 in 2 Americans (45%) intend to spend less this holiday season than last
year. And, for 68% of those with reduced budgets, they attribute their financial
modesty to inflation and rising everyday prices. Despite the current economic
environment, holiday shopping doesn’t need to be stressful — if you do it right,
you can maximize your financial health as we head into the new year.

Here are four ways to help you make the most of your spending this holiday
season, and beyond:

1. Stick to your budget. Nearly two-thirds (60%) of consumers plan to follow a
budget to combat financial stress around the holidays, but don’t let the
word “budget” scare you if you haven’t already mapped one out — it’s never
too late to start planning and tracking your spending. Begin by totaling up
what you’ve already purchased and combine it with your remaining expenses.
Consider all your anticipated costs and be as detailed as possible. For
example, assign a dollar amount to each person you plan to buy gifts for and
don’t forget to weigh other holiday expenses that may seem small but add up
quickly — like shipping fees, wrapping paper and holiday decorations. From
there, make sure the total fits within your overall budget. As you look at
the numbers, determine what your priorities are. What can you comfortably
spend on gifts, travel or holiday hosting without breaking the bank? Whether
your holiday shopping is already underway or you’ve yet to get started,
building a budget — and sticking to it — is key.
2. Get creative with gifting and make a plan. One of the easiest ways to end up
with impulse purchases that don’t fit your budget is to wander aimlessly
through stores or browse endlessly online. Think about what stores you’ll
need to go to for the items on your list and develop a shopping plan so
you’re less likely to purchase without purpose. Also, try to get creative
with your gifting to help ease the financial burden. Consider going in on
joint gifts or thinking beyond material items. Nearly half (48%) of people
said they prioritize shared experiences, like a trip or concert, with family
and friends over giving material items, and many others plan to make
“do-it-yourself” (DIY) gifts or give a sentimental act of service.
3. Use a credit card that rewards you as you go. A cash back card that offers
rewards on everyday purchases is a simple way to earn rewards while you
spend all year long. From online shopping and traveling over the holidays to
filling up your gas tank or taking on new home improvement projects in the
new year, cash back cards can be a great tool to earn rewards that can help
offset your spending. For example, the Bank of America® Customized Cash
Rewards card allows you to earn 3% cash back in one of six categories of
your choosing, 2% cash back at grocery stores and wholesale clubs (on the
first $2,500 in combined choice category, grocery store and wholesale club
purchases each quarter), and 1% back on all other purchases. As your cash
rewards grow, you can redeem your earnings as a statement credit or deposit
directly into your Bank of America® checking or savings account to help
offset the cost of your routine spending throughout the year.
4. Keep your 2023 goals in mind. It can be easy to get carried away with so
many expenses piling up throughout the holiday season, but if you stick to
your budget and keep your financial resolutions for the coming year in mind,
it’ll help you stay on track. And when you take the time to plan ahead now,
you’ll join the 80% of Americans who have already set financial goals for
2023, including 44% who have prioritized increasing their savings in the new
year. In addition to some of the tips listed above, you can get a head start
on your 2023 savings now by using a tool like Bank of America’s Keep the
Change® savings program, which rounds up every purchase made on a Bank of
America debit card to the nearest dollar and transfers the change to your
savings account.

No matter what your New Year’s financial resolutions are, keeping them in mind
while you spend during the end of the year can help set your priorities straight
and enable a stress-free start to 2023.

* admin

* Dec, Tue, 2022

* Daily Penny

MONEY WORRIES MAKING THE HOLIDAYS LESS MERRY? 5 TIPS FROM A FINANCIAL THERAPIST
TO REIN IN FINANCIAL ANXIETY

(BPT) – It’s the most wonderful time of the year, and this season, consumers are
prepared to spend extra on festive gatherings, gift-giving and spreading holiday
cheer! However, the holiday hustle can also significantly strain financial and
mental well-being, especially in today’s challenging economic environment.

“Money can elicit so many types of emotions — from the delight we may feel when
a loved one opens a gift we purchased, to the loneliness that may accompany an
inability to travel to loved ones or partake in certain festivities,” says
Lindsay Bryan-Podvin, Certified Financial Therapist (CFT-I) and Upwise
contributor. “So, it’s important to recognize how those emotions might influence
our spending and saving habits as well as our relationship with money overall.”

For example, a fear of overspending can lead to excessive frugality and cause
individuals to miss out on some of the most enjoyable aspects of the holiday
season. Meanwhile, others may chase feelings of joy by splurging on gifts,
hosting elaborate events, and booking vacations — only to feel regret when a
massive credit card bill arrives in the new year.

The leading concern for almost half (46%) of working Americans when considering
their top drivers of lower mental health is financial concerns, according to
MetLife’s 2022 Employee Benefit Trends Refresh Study. This is even higher for
working women (51%) and Gen Xers (52%). On the flip side, 85% who say they are
financially well, report feeling mentally healthy.

To keep the holiday season joyful and on budget, consider these expert tips
directly from Bryan-Podvin:

1. Understand the emotional connection to money

Emotions like guilt, anxiety and impulsivity majorly influence how we manage and
confront monthly expenses. Getting to the root of your feelings about money now
(e.g., anxious, avoidant, stressed) is key to understanding how you want to feel
about money in the future (e.g., calm, relaxed, confident).

One way to do this is by journaling your feelings about money regularly. Free
tools can make this even easier. Upwise is one of the few financial wellness
apps that assesses emotions tied to financial activity with its ‘money mood’
tool to help make managing finances more personalized, achievable and rewarding.

2. Make gifting intentional by planning for it

Creating a “gift account” where you can allocate funds over time is an easy but
extremely effective way to isolate and stick to a spending amount that fits your
budget. To take this a step further, using Upwise’s “Spend Control” feature
allows individuals to pick a category (e.g., retail/shopping) or even a specific
merchant to track and set spending limits — alerting holiday shoppers to
over-spending in real-time and helping them avoid falling too far into the red
zone.

3. Eliminate redundant expenses with ease

There are small decisions you can make in the present to get closer to reaching
your long-term financial goals. Consider cutting out smaller, unnecessary costs
such as monthly subscription services you don’t really use. If you need an extra
push to get you started, try leveraging digital tools that allow you to
consolidate subscriptions — some, like Upwise, even have fun and engaging
challenges like the “Subscription Buster” to motivate you through the process.

4. Celebrate the “small wins”

While it’s great to be ambitious and have lofty aspirations for your financial
future, set yourself up for success by establishing reachable goals and
celebrating each small win to help create a foundation for a more positive
relationship with money. For example, if you struggle with spending too much on
dining out or food delivery, try challenging yourself with Upwise’s “dining out
challenge,” which will allow you to select from a list of cost-saving actions,
commit to those and then track your progress. And when you do succeed at
spending less? Pat yourself on the back, text a friend, or open up that kombucha
to celebrate.

5. Reflect and recover

If you go beyond your holiday budget, give yourself some compassion (it
happens!) and then dig into what led you to overspend. Was it the excitement of
seeing loved ones for the first time in years? Feeling you needed to spend the
same on everyone? Once you determine why you overspent, you can create a plan
for potential spending triggers in the future.

Upwise is a product of MetLife Consumer Services, Inc. Upwise is available at no
cost to all individuals and regardless of any MetLife relationship or product.
Upwise is for educational purposes. Each individual is advised to consult with
their own attorney, accountant, and financial professional regarding their
specific circumstances. MetLife does not provide legal, tax, or investment
recommendations or advice.

* admin

* Dec, Tue, 2022

* Daily Penny

5 CRAZY PET ACCIDENTS OF 2022 AND HOW TO SAFEGUARD YOUR PET IN THE NEW YEAR

(BPT) – Pet parents understand the weight of responsibility to protect their
furry friends, but unfortunately, accidents do sometimes happen. In the U.S., a
pet receives medical care every 2.5 seconds, and 1 in 3 pets need emergency
veterinary treatments every year, according to MetLife Pet Insurance.

Even the most vigilant pet parents have to contend with pet emergencies. Check
out some of the most astonishing pet accidents of 2022 — and some tips about how
you can help avoid these as we enter 2023.

* Digesting something dangerous: A 2-year-old Bichon mix ate a sugar-free apple
cobbler made with xylitol, which is dangerous for dogs. At first, she seemed
all right but began vomiting the next day and declined rapidly. When she
arrived at the emergency hospital, her prognosis was very poor. However,
after eight days of supportive care, she fully recovered and survived!
* Common household concerns: A 9-month-old kitten hid in a large comforter
unbeknownst to his pet parent, who had set it to dry on high heat. The kitten
was stuck in the dryer for 10 minutes before they heard him yelping for help.
They immediately rushed him to the emergency vet, and he was kept at the
hospital overnight for observation. Luckily for the kitten, there did not
appear to be any lasting damage from his eventful trip in the dryer, and he
was discharged the next day.
* Lingering liquids: A 2-month-old Shih Tzu puppy was caught by his owners
licking some Children’s Motrin that spilled on the couch over nine hours
earlier in the day. The puppy seemed fine at first, but then he started to
vomit. The Pet Poison Hotline advised taking the pet to the emergency
hospital. He was hospitalized and monitored for four days, but the puppy
recovered and appeared to have no long-term damage from the incident.
* Unfortunate falls: An 8-year-old Pit Bull jumped off a couch and suddenly
became paralyzed in her hind end. Her pet parents rushed her to the vet, who
diagnosed her with Intervertebral Disc Disease. After receiving surgery to
fix her disc herniation, she recovered well and regained motor function.
* Toys that become treacherous: A 7-month-old Standard Poodle was vomiting,
lethargic and appeared uncomfortable for two days. A physical exam revealed
he was dehydrated, and radiographs showed a foreign object trapped in his
stomach. He was transferred to the surgical unit to remove the foreign
object, which turned out to be a squeaker toy. He was kept overnight for
observation before being sent home to recover with his family.

All of these accidents — while they may seem somewhat crazy — could have
happened to any pet owner, and the experience can result in an unexpected,
costly bill from the vet. To help avoid having an incident like this in 2023,
here are a few tips for pet parents from MetLife Pet Insurance:

1. Prioritize your pet’s health just as you would for a human family member. Pet
parents think of their furry companion as part of their family, but it’s
important to take action the same way, too. Avoid leaving harmful foods and
liquids within your pets’ reach, and watch out for potential choking hazards in
your home. This seems simple but can go a long way in protecting your pet for
the long-term.

2. Stay active, even in the cold months. Going on frequent walks and encouraging
your pet to move around is key to avoiding joint stiffening and can help prevent
future mobility issues. This can feel like a challenge during the cold points of
the year — for you and your pet — but there are always indoor activities you can
play to engage your furry friend.

3. Invest in your pet’s well-being. When accidents happen to your four-legged
family member, you’ll want to be covered. A pet insurance policy can help offset
some of the costs associated with expensive veterinarian visits — in fact, based
on MetLife internal claims data the pet parents who encountered the dangers
above saved an average of $5,570 on the treatment and care of their pets!

To learn more and protect your pets in the coming year, visit
MetLifePetInsurance.com.

* admin

* Dec, Mon, 2022

* Daily Penny

5 TIPS FOR SAFE ONLINE SHOPPING THIS HOLIDAY SEASON

(BPT) – Shopping online during the holidays can simplify gift-giving but also
leaves you vulnerable to potential fraud. According to the Federal Bureau of
Investigation, thousands of people become victims of holiday scams, robbing them
of their personal information, money and holiday spirit.

While you know that online scams happen, you may think it’s unlikely to happen
to you. You’re not alone. According to a recent fraud research report, nearly
half of those surveyed were confident they could recognize a scam. However,
nearly 3 in 4 people typically responded to common terms and phrases fraudsters
use in scam emails and texts.

Make sure you’re shopping safely this holiday season by using the following
online shopping security tips.

1. Pay securely online

As you shop online, take a moment to look at the website’s URL to ensure that it
begins with “https.” The “s” at the end confirms a secure connection. You can
also look at the corner of the address bar for a padlock symbol, which shows
there is a secure connection between your browser and the website’s server.

For Visa card members, you can use click to pay with Visa for an extra layer of
protection. This feature allows online shoppers to quickly, easily and safely
finish their holiday purchases. You can rest easy knowing there are multiple
layers of security that help protect you from payment fraud.

2. Pay securely in-app

While using the same passwords for your shopping apps may be easier, it is not
the safest way to shop this holiday season. If a data break occurs on just one
of the apps you use, all your other accounts may also be compromised because
they use the same password.

Create a strong, unique password for each account that is hard to guess. Better
yet, switch to fingerprint or facial recognition for account login and payments
when possible.

3. Look out for phishing scams

Be careful of unsolicited and suspicious emails, texts or phone calls. They may
try to steal personal information like your account number, username and
password.

Phishing messages tend to use phrases like “act now,” “exclusive deal” and “free
gift” to create a sense of urgency and reward, according to the fraud report.

If you receive something that looks and sounds like a phishing scam, don’t click
on any links unless you can verify they’ll take you where they say they will.

4. Update system and application software

Has it been a while since you’ve updated your technologies’ software? If so,
you’re leaving yourself vulnerable to fraudsters while shopping for your friends
and family.

Before you begin your online holiday shopping, update the software on your
computers, tablets and phones. Installing the latest software helps patch any
known vulnerabilities that allow cybercriminals to access your important
financial and identity information.

5. Turn on purchase alerts

Purchase alerts are a simple but important security tool. By turning on this
feature during your holiday shopping, you’ll receive near real-time
notifications of transactions on your account. This can help you confirm
legitimate purchases and alert you to potential fraud while you check the last
few items off your shopping list.

Using these five simple tips, you can shop safely while making the season jolly
and bright for the ones you love. Make this holiday shopping season even safer
with Visa. To learn more about how you can shop and pay for gifts safely, visit
Visa.com/Security.

* admin

* Dec, Sun, 2022

* Daily Penny

HOW TO STAY SAFE AND BE JOLLY DURING THE HOLIDAY SEASON

(BPT) – While it’s the season for festivities and numerous joyous activities, a
lot of mishaps can happen during the holidays, from baking snafus and turkey
fires to decor disasters and pet problems. Fortunately, some smart preparation
and mindful steps will help keep you and loved ones safe and jolly throughout
the season.

Prioritize cooking and baking safety

Food is the center of many holiday celebrations, and it’s easy for holiday hosts
to become overwhelmed while cooking and baking. In 2021, State Farm reported
$142 million in total claim costs for grease fires and cooking-related fires.
Thanksgiving is the peak day for home cooking fires, followed by Christmas Day
and Christmas Eve, according to the National Fire Protection Association. No
matter what you’re whipping up, don’t get distracted. Use clocks and alarms to
your advantage and also ask for help so more than one person is watching foods
and appliances when in use.

Prevent turkey fryer fires

Turkey is a mainstay of holiday celebrations and the centerpiece on many tables
across the country as family and friends gather. Frying a turkey has become a
popular method for cooking a bird, but no matter your culinary skill level, a
lot can go wrong during the process. This year, State Farm has already paid out
a total of $4 million for outdoor cooking fires and expects that number to rise
as we approach the holiday season. Make sure the turkey is thawed and dry before
cooking. Turn off the burner before lowering the turkey in oil, then turn it on.
Always place fryers away from garages and trees and off decks. See here for more
tips before frying.

Mind the glow of candles

It’s hard to resist the ambiance that candles create during the holiday season.
However, U.S. fire departments responded to an average of 7,400 home fires last
year that were started by candles. These fires cause $291 million in direct
property damage annually. It’s important to burn candles in short increments and
in safe places, keeping them away from kids, pets and holiday decorations.
What’s more, make sure your home and renters insurance is up to date so if
something happens, you have the peace of mind that you’re financially protected.

Protect your pets

While family and friends flood your home for the holidays, the increased noise
levels and new faces can cause anxiety for your pets. Discuss with guests how
your pet prefers to be touched and separate your pet from crowds if a break is
needed. Additionally, get pet medical insurance ahead of your gatherings as pets
can become overwhelmed and aggressive, nipping, biting and scratching
unexpectedly. Total cost of pet claims in 2021 was $161.7 million and the
average cost per claim was $49,612, according to State Farm research. Protect
yourself, your assets and your furry family member with Trupanion® pet
insurance.

Understand electrical fire risks

Electrical distribution and lighting equipment was involved in nearly half (45%)
of home tree fires, according to the National Fire Protection Association.
Holiday decorations overall cause more than 770 house fires every year! To lower
your risk and keep your family and home safe, make sure you don’t leave lights
on trees or on other decorations when you go to bed or leave the house. They
could short and start a fire. Plus, if you’re planning to decorate outdoors,
make sure that you use lights and decorations intended for outdoor use.

Update auto insurance and drive safe

Over the river and through the woods — many people take road trips during the
holiday season to visit friends and family. If you’re hitting the road, make
sure you check the weather before heading out and take any necessary precautions
to stay safe if inclement weather is expected. Pack essentials in the car should
you get stuck so you can stay safe. Always mind speed limits and be aware of
other people on the road. Plus, make sure your auto insurance is up to date and
you have access to the roadside call number for help should you need it.

Be a good neighbor

The holidays should be a joyous time to reconnect with loved ones. If you’re
hosting for the holidays, respect noise levels in your community. Be courteous
by shoveling the sidewalks for your neighbors. Lean on your trusted friends,
neighbors, or a Neighborhood Watch member to watch your home if you’re leaving
for the holidays.

Visit the State Farm Newsroom to make sure you’re set up for a joyous, safe
holiday season.

* admin

* Dec, Thu, 2022

* Daily Penny

5 MYTHS ABOUT VETERAN AFFAIRS LOANS

(BPT) – More veterans are taking advantage of an important benefit for service
members: A Veterans Affairs (VA) loan. According to data from the Department of
Veterans Affairs, more than 1.4 million VA loans were taken out in 2021, a 15.6%
increase from the previous year. However, there are still many veterans who are
not using this important earned benefit for their service and sacrifice for the
country.

VA home loans allow veterans and active-duty service members to obtain home
mortgages with more favorable terms than other loans on the market. A VA loan is
a mortgage supported by the U.S. Department of Veteran Affairs and serviced by
authorized lenders, like loanDepot, one of the nation’s largest non-bank retail
mortgage lenders.

Why aren’t more veterans and active-duty service members using this benefit?
Many are unaware of how to qualify for a VA loan or its benefits.

Eligibility and benefits

You may be eligible for a VA loan if you are an active duty servicemember with
at least 90 days of continuous service, or if you are a veteran who served on
active duty and was honorably discharged meeting minimum requirements based on
your dates of service. National Guard and Reserve members who meet certain
criteria are also eligible.

While there are a number of VA loan options, typical benefits can include:

* No down payment
* Competitively low-interest rates
* No private mortgage insurance
* Limited closing costs
* Funding fee waived for disabled veterans
* Lower credit minimums

“A VA home loan is one of the most powerful tools our nation’s veterans can use
to purchase a home and build long-term wealth,” said Patton Gade, loanDepot
branch manager and former U.S. Army officer. “Yet, it surprises me just how
unknown and misunderstood these loans are among the people who have earned them.
With all of the misconceptions out there, it’s important to work with a mortgage
professional who specializes in VA loans, so you can better understand and
unlock their full potential.”

Even knowing about the advantages of VA loans and that you may be eligible, you
may still be unsure about using this earned benefit because of popular
misconceptions.

1. Myth: A VA loan can only be accessed once

Many veterans are under the impression that you can only access a VA loan once.
However, you can use and reuse the VA benefit again and again. There is no limit
to how many times you can use the VA loan program as long as you remain
eligible.

2. Myth: You can only have one VA loan at a time

Sometimes you may have to finance multiple properties at once. Under certain
conditions, with a VA loan, you may be able to finance multiple homes
simultaneously, including your primary home, rental properties and vacation
homes.

3. Myth: VA loans are less preferable to sellers because they have a lot of
restrictions

A VA loan may take a few days more to close versus a conventional loan, but that
doesn’t necessarily make them more restrictive.

VA loans have additional controls in place to protect the veteran and their
family; e.g., appraisals have to be completed by a VA-approved appraiser, which
may increase the processing time of the loan.

4. Myth: The appraisal process for VA loans is more stringent and difficult than
a conventional loan

The appraisal process is similar to a conventional loan. The VA approves and
hires local appraisal professionals to ensure a smooth process.

5. Myth: VA loans take forever to close

Working with a lender that specializes in VA loans and understands how they work
can prevent issues that may slow the process. They can help to keep everything
moving on time so you can get the home of your dreams with minimal delays.

If you’re thinking of taking out a VA loan, be sure to work with a lender who
has specific expertise with the product and working with the veteran community,
so they are well prepared to help you.

* admin

* Nov, Wed, 2022

* Daily Penny

6 TIPS TO MAXIMIZE YOUR GIVING THIS SEASON

(BPT) – It’s the season of giving, which means you can make an impact no matter
your budget.

When money is tight, donating to charities can easily fall to the bottom of your
list. But you can reap the benefits of investing in others even when there’s
little wiggle room in your own budget.

Here are six ways to help you maximize your giving this season.

Swap it out

According to the 2022 Happy Money Giving Survey, more than 75% of people plan to
donate the same or more money this year compared to last, which is very
encouraging. If that’s you and you need help finding room in your budget for
charities you’d like to support, try reviewing weekly expenses. Is there a
recurring splurge or expense that no longer brings you joy and could be cut out
once or twice a month? If so, this money could give you a much bigger happiness
boost by putting it toward a favorite cause instead.

Grow your gift

The survey also found 62% of people have donated money in the past 12 months
toward a charity or cause they care about. One way you can increase the amount
you give is by taking the money you would otherwise donate to your favorite
charity each month and place it into a high-yield savings account instead. Then
the gift that you intended to give monthly can now grow into an even larger
annual donation with no impact to your budget.

Another way to increase your donation is to ask friends or family to match (or
exceed!) your gift. Using events like your birthday or holidays is a great way
to pool money to put toward your favorite causes. Plus, you can share it on your
favorite social media platforms too. Some apps even let you use your birthday as
a fundraiser! Regardless of how many followers you have, the ripple effect can
have a big impact.

Gift your talent

If money is just not an option, that’s OK! The survey found 80% of people plan
to volunteer the same or more time as last year. Your time and talents are
priceless to many organizations. Do you have a specialty or niche that could
provide a benefit to a local organization? Would you love to mentor a local
teen? Or read to a group of wide-eyed toddlers? There are a lot of ways to turn
your talents into gifts that many charities would receive with open arms.

See if your donation can be doubled

Explore ways your contribution can be easily doubled. You could see if a friend
or family member would like to join you once a month to volunteer or if they’d
be willing to match your financial donation. You can also ask your favorite
charity or nonprofit if they have a matching campaign happening around the
holidays and plan to donate during that time. Some companies also offer
charitable donation matches to their employees.

Plan ahead

The Happy Money Survey found 28% of people say they set aside a specific amount
of money from their paycheck to donate to causes they care about. Automatically
setting aside money can make it easier to plan and budget for giving and make
the impact to your own budget less noticeable.

Reputable charities only

Be sure that you’re wisely investing your time and money with a cause that is
credible. Reputable charities and nonprofits will be transparent about their
practices, their funding and their beliefs. Some resources to help with this are
websites like Charity Navigator or GuideStar, which provide nonprofit reviews
and ratings to help consumers understand how they use donations.

Download the 2022 Happy Money Giving Guide for more tips including how to give
experiences, questions to think about before choosing a charity to donate to and
information to develop your own giving strategy and maximize your impact this
season.

* admin

* Nov, Mon, 2022

* Daily Penny

COOKING TIPS, FUN RECIPES AND EASY WAYS TO GIVE BACK THIS HOLIDAY SEASON

(BPT) – This year, why not focus on whatever makes your heart happy? That good
feeling can be found by hosting dinner, spending time with friends or spreading
joy by giving back in your community. No matter how you decide to celebrate the
holidays, food remains at the center of most celebrations.

The memory-making meal

Food has the power to bring people together. The delectable smells alone can be
reminders of holidays past. Maybe it’s Grandma’s pie recipe baking to perfection
or your best friend’s special stuffing that’s the ideal pairing with turkey. Of
course, nothing is more special than when you get to enjoy all these flavors
with loved ones.

With turkey taking center stage on the table throughout the holiday season, it
is no surprise that 85% of people say their favorite part of the holidays is the
food, followed by being with family (79%) and friends (37%), according to Shady
Brook Farms® turkey research.

With almost half of people planning to shop early and stock up for the holidays,
there’s no better time to ensure everyone’s favorite part of the season is
covered. However, if you’re one of the 65% that are planning on purchasing a
frozen turkey, make sure you purchase it in time to allow it to thaw before
cooking. Depending on the size, that can take up to 6 days.

Your ultimate ‘Guide to Good’

Preparing the turkey is an important role. It’s no surprise that 44% of those
celebrating are looking for help when it comes to preparation and cooking.
Fortunately, you don’t have to feel overwhelmed this holiday season as Shady
Brook Farms and Honeysuckle White are here to help. From perfecting holiday
recipes to experimenting with new techniques and supporting local communities,
their ‘Guide to Good’ initiative is focused on good actions, ingredients, taste
and celebrations.

Culinary tips

In the guide, you’ll find helpful information on making a Traditional Turkey so
it comes out perfectly at the exact time you’re planning to eat. If a new take
on turkey is suited for your guests, try a Cranberry BBQ Glazed Whole Turkey
recipe that puts a delicious twist on a classic meal.

Of course, any turkey meal isn’t complete without gravy. Did you know that
turkey giblets could be the key to the savoriest gravy ever? Even better, gravy
is the perfect way to ensure you use all your turkey to make for less waste in
the kitchen. Check out the Giblet Gravy recipe that is guaranteed to help you
create the perfect topping to any holiday turkey.

After your feast is finished and your stomach and heart are full, you’ll need to
tackle the leftovers dilemma. If you’re part of the 38% of those looking for
ideas for leftovers, consider Turkey Eggs Benedict or a Turkey, Spinach and
Swiss Quiche.

‘Tis the season for spreading good by giving back

Millions of children and families living in the United States face hunger and
food insecurity every day, according to Feeding America, and 15% of people are
not going to celebrate at all this holiday season simply due to cost-related
obstacles.

Understanding the critical need to help, Shady Brook Farms and Honeysuckle White
are continuing their own give-back efforts this year partnering with retailers
to provide a brighter holiday season with the donation of more than 20,000
turkeys to local community food banks and are encouraging consumers to do the
same by offering easy ways to make an impact in their own communities.

If you’re in the position to support those in need, you can learn more on how to
support your community by visiting the ‘Guide to Good’ at ShadyBrookFarms.com or
HoneysuckleWhite.com.

* admin

* Nov, Fri, 2022

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4 savvy holiday spending tips for a financially strong start to 2023
3 ways women are taking control of their finances to reenergize their future
5 crazy pet accidents of 2022 and how to safeguard your pet in the New Year
3 gift ideas for every kid on your list
Money worries making the holidays less merry? 5 tips from a financial therapist
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