Just like leases have lessors, liens have lienors, or lienholders. The lienholder is the creditor to whom the debtor owes money. In some more specific cases, the lienholder may have given the debtor a loan to buy something, a car or a house, and their lien applies to that purchase until the loan is paid...
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Making the transition from renting an apartment to buying a home is a big step that can impact your finances and your lifestyle, so it’s important to understand the pros and cons first. You may want more room and autonomy over your living space. Or you may prefer the conveniences of apartment living, particularly in...
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Home maintenance is an ongoing process. From raking leaves and replacing shingles to cleaning disposals and replacing batteries in smoke detectors, there’s always something to do around the house. The following home maintenance checklist has items you can tackle now and throughout the year to keep your home running smoothly. Monthly home maintenance checklist Owning...
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If winter weather catches you off guard and your home is not prepared for heavy snow and cold, you can experience damage ranging from burst pipes to a collapsed roof. Costs for repairs of this scale add up quickly, so prepare in autumn to protect your house during the colder months. Follow these winterizing tips...
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Discover everything you need to know about safely and securely storing your RV during the off-season from these tips.
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Want an outdoor space to entertain friends and family when the nicer weather comes? Before starting construction, you may want to consider whether a deck or patio is best for your home. Here are some of the factors you’ll want to carefully weigh before making your decision. What is the difference between a deck and...
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In our digital age, online platforms and social media sites offer an abundance of financial advice. However, the ease of internet access also paves the way for the spread of financial misinformation. From untrained family members to self-proclaimed online finance gurus and AI-powered resources, inaccurate financial counsel can have detrimental effects, potentially leading to monetary...
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A reference Trusts are an integral part of estate planning and funding a trust so that it meets the needs of a client’s estate and wealth transfer goals involves a proper and sound strategy. Nearly any type of asset can be used to fund a trust, including stocks, bonds, cash, mutual funds, real estate property,...
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Does your aluminum boat need a fresh new coat of paint? We have tips to make the process easier.
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Understanding Medicare can be difficult, but the Nationwide Retirement Institute® is here to help you by sharing some of the most common Medicare questions.
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Key Takeaways: What is a safe amount to withdraw each year in retirement? The Center for Retirement Research at Boston College has found that many older Americans could be at risk of emptying their accounts by age 85, although half of them will live beyond then.[1] To avoid emptying your account prematurely, the 4% rule...
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How will inflation affect the housing market? Housing prices tend to rise with inflation. This is because the economy is dynamic and there are a lot of changes introduced to it every day. One of the major factors causing home prices to increase is interest rates.[1] When interest rates are low, buying homes can be...
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According to Healthcare.gov, the definition of an HSA is “A type of savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses. By using untaxed dollars in a Health Savings Account (HSA) to pay for deductibles, copayments, coinsurance, and some other expenses, you may be able to...
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As we begin the new year and get closer to tax day in April, many of us are thinking more about planning for taxes and different strategies we can take to be more tax-efficient. Many federal tax policies and priorities are still up in the air, which can lead to some confusion as to what...
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What is a business plan? Whether you’re starting a small business or exploring ways to expand an existing one, a business plan is an important tool to help guide your decisions. Think of it as a roadmap to success, providing greater clarity on all aspects of your business, from marketing and finance to operations and...
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