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A General Assignment of Assets to one’s Living Trust can help avoid a Probate.

Re-titling assets, like stock and bonds, from one’s name into one’s living trust is necessary to avoiding an unnecessary probate of such assets if held outside of the trust. Sometimes people fail to transfer some or all of their intended trust assets into their trust. A general assignment of assets to one’s living trust provides an important safeguard. Let’s examine what a general assignment is and how it helps to fund one’s trust and avoid a probate with the help of a Lake County probate attorney:

A general assignment of assets transfers ownership on a wide variety of assets as the name implies. An all encompassing general assignment is regularly used by estate planners to transfer all types of financial assets (excluding tax deferred retirement accounts) and personal property (such as the contents of one’s home) into the trust. It is a half-step towards actually re-titling the securities and the financial accounts into the name of the trustee. Nevertheless, the settlor should still proceed to contact the banks, brokerages, and stock transfer agents (as relevant) to formally transfer legal title into the name of the trustee. But, in the event that the formal legal title is not transferred prior to death, the general assignment can be used to obtain a court order to transfer legal title into the trust.

In Kucker v. Kucker , (2011), 192 CA 4 th , 90, the Court of Appeal reversed a trial court decision wherein the trial court disallowed a petition to transfer stocks into a trust based on a general assignment of all assets by the settlor to the trustee. The Court of Appeal agreed with the petitioner that a general assignment of all or substantially all of the settlor’s assets into one’s trust does cause the stocks to be owned by the trustee. An otherwise unnecessary probate was thus avoided thanks to a general assignment by the settlor.

Similarly, a declaration of trust by a settlor to hold certain assets listed on a schedule of pledged assets attached to a trust document can likewise be used to accomplish the same result. Most attorneys use a schedule of initial trust assets and a general assignment to reinforce one-another. Moreover, unlike the general assignment, the schedule of trust assets will also include the real estate – together with a full legal description — for the same reason. That is, if a trust transfer deed is not properly executed prior to the settlor’s death, then the schedule of initial trust assets to a declaration of trust can be used to petition the court to transfer legal title into the trust without a probate.

While the general assignment and the declaration of trust are important safeguards against the failure to formally transfer title to trust assets while the settlor is still alive and competent, such safeguards are just safeguards. The better course of action is to see that one’s real estate, stocks and bonds, and financial accounts (and other trust assets) are properly titled in the name of the trustee of one’s trust. After all, filing a court petition entails further expenses and delay in the administration of the trust that can be avoided.

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Deed of Trust

Definition of deed of trust, what is a dead of trust, difference between deed of trust and mortgage, foreclosure, power of sale, deed of trust form, assignment of deed of trust, deed of trust example concerning an assignment of deed of trust, related legal terms and issues.

January 25, 2024

Funding a Trust with a General Assignment

Take-Away: Using a general assignment to fund a Trust, sometimes executed by an attorney-in-fact is often legally effective to fund the principal/settlor’s Trust, but questions can often arise using a general assignment.

Background: If the beneficiaries of a settlor’s Trust are different from the settlor’s probate estate, great care needs to be sure that the Trust is funded as the settlor intends, and while the settlor is alive, if possible. If the Trust funding document is vague or incomplete, a dispute can easily arise between the estate beneficiaries and the Trust’s beneficiaries. This potential problem becomes acute if the Trust funding is done by an agent under the settlor’s durable power of authority (does such authority exist?) and the scope of the document used to accomplish the Trust’s funding (can the asset be transferred by a general assignment?)

Example: Rex, age 86, is in the hospital facing life-endangering surgery in two days. Rex owns several bearer bonds of significant value, held in safe deposit boxes at three different Grand Rapids banks. Rex calls his attorney to the hospital. Rex explains that he wants a full estate plan, e.g., pour-over Will, Revocable Trust, durable power of attorney for financial affairs asap. Rex’s Will is to benefit charities and provide some financial bequests to several friends. Rex’s Trust is intended to benefit his children and grandchildren. This plan is expeditiously prepared by Rex’s attorney in the following 24 hours. The attorney returns to Rex’s hospital room with these documents just prior to Rex’s scheduled surgery. The named successor trustee, also in the hospital room, signs an Acceptance of Trust. Rex’s agent is given the authority under the durable power of attorney to execute general assignments and full authority to fund Rex’s Trust. There is only time enough to token-fund Rex’s Trust before Rex is rolled into the operating room. To get the bearer bonds into Rex’s Trust the agent under Rex’s durable power of attorney is asked to write on some available paper a general assignment of Rex’s assets to the trustee of Rex’s Trust. A nurse photocopies the agent’s handwritten general assignment. Copies in hand, the agent and the attorney then proceed to serve any bank employee at each of the three banks who is willing to date stamp the presented general assignment, including date and time of presentment. Rex dies from his surgery the following day. Does the Personal Representative of Rex’s probate estate challenge the agent’s handwritten general assignment that was executed the prior day? Is that general assignment valid and enforceable? Are Rex’s bearer bonds part of his probate estate or held in his Trust?

Assignments: Some courts require that an assignment be supported by legal consideration. However, gratuitous assignments have been generally enforceable for centuries. More to the point, if an agent acting under a durable power of attorney assigns assets to the principal/settlor’s Trust, the Trust’s revocability means that the settlor merely became, via the general assignment, the property’s equitable owner, as he/she had been its legal owner before. Restated, there is no re-ordering of economic interests and no gifting when the settlor’s Trust is funded. As such, re-titling general assignments to a revocable Trust are common in modern estate plans, and they seem to be ‘tolerated’ by probate courts when the question arises if the settlor’s Trust was fully funded prior to his/her death. See, Estate of Willings, 2023 WL 6994425, Oklahoma, 103. ) However, when a general assignment used to transfer property to the settlor’s revocable Trust, some questions can still arise. Examples follow:

Adequate Identification: Sometimes the property-to-be-entrusted to the trustee is not adequately identified in the assignment. However, location can be used an acceptable identifier of fungible cash for estate planning purposes. Arguably this same general ‘reference to its location’ rule should be an acceptable identifier for bearer bonds. A reference by Rex in his general assignment to ‘all assets that I own and possess held in the safe deposit boxes located at Bank A, Bank B, and Bank C should be sufficient to transfer the contents of those three safe deposit boxes to Rex’s Trust.
Ascertainable: The property that is subject to the general assignment should be sufficiently ascertainable. Yet often the settlor’s interest in bonds is fully vested and possessory. Or, as another example, in the Willings case cited above, the possible right to a recovery incident to a pending wrongful death action was held to be presently assignable to the Trustee.
Notice to Debtors: Many courts do not require advance notice to debtors, e.g., bond issuers; contract obligors. While it is desirable to provide notice to an issuing life insurance company of the transfer of an existing life insurance policy to the insured’s Trust, in equity such a notice is not required for the asset’s entrustment to the trustee to be enforceable. [See, Loring and Rounds: A Trustee’s Handbook, Section 2.1.1, (2024). ]
Notice to Banks: Often a bank will not be given notice of the assignment to the settlor’s Trust. The validity of the general assignment is not contingent upon notice to a mere custodian of assigned property.
Missing Trustee: What if the trustee of Rex’s Trust is unavailable to accept the assets transferred to the Trust under the agent’s general assignment? In equity, a Trust must not fail for want of a Trustee. In the Rex example, had Rex’s Trust instrument not provided for a successor trustee who was ready, willing, and able to accept the assignment, it would have fallen to the probate court to find someone who would be, but effective as of the date of the assignment.

Conclusion: As a practical matter, the Michigan Trust Code, based on the Uniform Trust Code, does not provide many answers about the transfer of assets to a Trust under a general assignment. It is the law of assignments, not the law of trusts, that govern the funding of a Trust and what constitutes legally enforceable actions that are taken to fund a Trust. Of course, it is much better to use actual transfer documents like deeds, bills of sale, reregistration of investment account ownership etc. to document the settlor’s intent to transfer assets to his/her Trust. But for other assets, like cash, bearer bonds, etc., a general assignment can be a useful tool to document the settlor’s intent, effective on the date of the signed assignment.

A Deed of Trust can be Assigned Apart from the Note, and that often occurs just before a foreclosure. But What Does That Mean? Not Much, the Deed of Trust is Inseparable from the Note

Notes and Deeds of Trust are often assigned to different parties. The question posed is what happens if the Deed of Trust alone is assigned ? A typical assignment of the Deed of Trust alone will purport to assign “all beneficial interest under that certain Deed of Trust dated xyz..” But the long-established law in California is clear: the beneficial interest under a Deed of Trust is held by the party who holds the Note (or is entitled to enforce it), without regard to the assignment of the Deed of Trust .

The subject was again addressed by the California Courts in Domarad v. Fisher & Burke, Inc. (1969) 270 Cal. App. 2d 543 ). The Court noted that a deed of trust is a mere incident of the debt it secures and that an assignment of the debt carries with it the security. “The deed of trust is inseparable from the debt and always abides with the debt, and it has no market or ascertainable value, apart from the obligation it secures and that a deed of trust has no assignable quality independent of the debt, it may not be assigned or transferred apart from the debt, and an attempt to assign the deed of trust without a transfer of the debt is without effect. (emph. added)”

Sacramento-Deed-of-Trust-assignment-attorney

In Stockwell v. Barnum ((1908) 7 Cal. App. 413) the Court stated that this Code “is wholly foreign to deeds of trust, which, instead of creating a lien only, as in the case of a mortgage, passes the legal title to the trustee, thus enabling him in executing the trust to transfer to the purchaser a marketable record title. It is immaterial who holds the note. The transferee of a negotiable promissory note, payment of which is secured by a deed of trust whereby the title to the property and power of sale in case of default is vested in a third party as trustee, is not an incumbrancer to whom power of sale is given…” Stockwell @ 417.

And more recently “it has been established since 1908 that this statutory requirement that an assignment of the beneficial interest in a debt secured by real property must be recorded in order for the assignee to exercise the power of sale applies only to a mortgage and not to a deed of trust.” ( Calvo v. HSBC Bank USA, N.A. (2011) 199 Cal.App.4th 118 , 122.)

Why is that? There is a technical difference between the two security instruments. The mortgage only involves two parties –the borrower who grants the power of sale to the lender, and the lender who then holds the beneficial interest in the mortgage plus the power of sale. A deed of trust, on the other hand, involves three parties: the borrower, the lender, and the trustee who is granted conditional title to the encumbered property as well as the power of sale.

Thus, the deed of trust may thus be assigned one or multiple times over the life of the loan it secures. But if the borrower defaults on the loan, only the current beneficiary may direct the trustee to undertake the nonjudicial foreclosure process. “[O]nly the ‘true owner’ or ‘beneficial holder’ of a Deed of Trust can bring to completion a nonjudicial foreclosure under California law.” Yvanova v. New Century Mortgage (62 Cal. 4th 919) (2016)

An Alternative The Commercial Code also provides a mechanism for recording an assignment of the security if there has been an off-record transfer of the note but no recorded assignment of the deed of trust or mortgage. The buyer of the note can record a copy of the transfer agreement whereby the note was acquired, together with a sworn statement that a default has occurred, and in that event may proceed with a nonjudicial foreclosure. ( Cal. Com. Code, § 9607, subd. (b))

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What Is a Deed of Trust?

How deeds of trust work, deed of trust vs. mortgage, the bottom line.

Personal Finance

Deed of Trust: Meaning, How it Works, Benefits

Matt Webber is an experienced personal finance writer, researcher, and editor. He has published widely on personal finance, marketing, and the impact of technology on contemporary arts and culture.

Lea Uradu, J.D. is a Maryland State Registered Tax Preparer, State Certified Notary Public, Certified VITA Tax Preparer, IRS Annual Filing Season Program Participant, and Tax Writer.

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A deed of trust (also known as a trust deed) is a document sometimes used in financed real estate transactions, generally instead of a mortgage . Deeds of trust transfer the legal title of a property to a third party —such as a bank, escrow company, or title company—to hold until the borrower repays their debt to the lender.

Although deeds of trust are less common than they once were, some 20 states still mandate the use of one when financing is involved in the purchase of real estate. States where trust deeds are common include Alaska, Arizona, California, Colorado, Idaho, Illinois, Mississippi, Missouri, Montana, North Carolina, Tennessee, Texas, Virginia, and West Virginia. A few states—such as Kentucky, Maryland, and South Dakota—allow the use of both trust deeds and mortgages.

Key Takeaways

A deed of trust is a document used in real estate transactions. It represents an agreement between the borrower and a lender to have the property held in trust by a neutral and independent third party until the loan is paid off.

Deeds of trust are used as an alternative to a mortgage, but there are differences between these arrangements.
A mortgage involves only two parties: the borrower and the lender. A deed of trust adds an additional party, a trustee, that holds the home’s title until the loan is repaid.
There are also different foreclosure arrangements related to these two documents.

Deeds of trust are used in financed real estate transactions: that is, when someone borrows money to buy real estate. During such a transaction, a lender gives the borrower money in exchange for one or more promissory notes linked to a deed of trust.

The deed of trust performs an important role in these transactions: The deed transfers legal title to the real property to an impartial trustee , typically a title company, escrow company, or bank, which holds it as collateral for the promissory notes. The equitable title—the right to obtain full ownership—remains with the borrower, as does full use of and responsibility for the property.

This state of affairs continues throughout the repayment period of the loan. The trustee holds the legal title until the borrower pays the debt in full, at which point the title to the property becomes the borrower’s. If the borrower defaults on the loan, then the trustee takes full control of the property.

A deed of trust can be used as an alternative to a mortgage. A mortgage involves two parties: a borrower (or mortgagor) and a lender (or mortgagee). In contrast, a deed of trust involves three parties: a borrower (or trustor), a lender (or beneficiary), and the trustee.

Deeds of trust can be compared with mortgages. Deeds of trust and mortgages are both used in bank and private loans for creating liens on real estate—that is, establishing a property as collateral for a loan. Because of this, and contrary to popular usage, a mortgage is not technically a loan to buy a property; it’s an agreement that pledges the property as collateral for the loan.

A deed of trust is different from a mortgage in a couple of ways:

First, a mortgage involves two parties: a borrower (or mortgagor) and a lender (or mortgagee). In contrast, a trust deed involves three parties: a borrower (or trustor), a lender (or beneficiary), and the trustee. The trustee holds title to the property for the lender’s benefit; if the borrower defaults , then the trustee will initiate and complete the foreclosure process at the lender’s request.

Second, mortgages and trust deeds have different foreclosure processes:

With a mortgage, the lender must pursue a judicial foreclosure . This is a court-supervised process enforced when the lender files a lawsuit against the borrower for defaulting on a mortgage. The process is time-consuming and expensive.
In contrast, a deed of trust lets the lender commence a faster and less expensive nonjudicial foreclosure, bypassing the court system and adhering to the procedures outlined in the trust deed and state law. If the borrower does not make the loan current, then the property is put up for auction through a trustee’s sale.

Is a Deed of Trust the Same as a Mortgage?

No. A mortgage only involves two parties: the borrower and the lender. A deed of trust adds an additional party, a trustee, who holds the home’s title until the loan is repaid. There are also different foreclosure arrangements related to these two documents.

What Is the Advantage of a Deed of Trust Over a Mortgage?

A deed of trust has a crucial advantage over a mortgage from the lender’s point of view. If the borrower defaults on the loan, then the trustee has the power to foreclose on the property on behalf of the beneficiary.

Are Trust Deeds a Good Idea?

Trust deeds can be a valuable aid to financial stability, but they are not right for everybody. They are best suited to people who have a regular income and can commit to regular payments. This is due to the stricter, faster foreclosures available with deeds of trust vs. regular mortgages.

Deeds of trust are used as an alternative to a mortgage, but there are differences between these arrangements. A mortgage only involves two parties: the borrower and the lender. A deed of trust adds an additional party, a trustee, who holds the home’s title until the loan is repaid. There are also different foreclosure arrangements related to these two documents.

Rocket Lawyer. “ Which States Allow Deeds of Trust? ”

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Assignment of Property to Revocable Trust

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Deed of Trust: Definition, Uses

A deed of trust is used in over half of states instead of a mortgage.

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Services available at credit counseling agencies
Reasons to buy a second home
How does SSDI work?
What are a trustee’s duties?
4 budgeting methods to consider
Indoor furniture: Winter, summer
The best places to buy a used iPhone or other cell phone
Types of mortgage loans
What is my net worth?
Why is having a low credit utilization important?
CalHFA highlights and eligibility requirements
1. Check what you already have and make a list
Do: Consider curb appeal
When are collection accounts reported to credit bureaus?
What is the Homeowner Assistance Fund?
What is a mortgage underwriter?
What is a credit dispute letter?
Affordability falls: Prices outpace income
1. It charges a flat, guaranteed rate for most local moves
Uber driver requirements
We’re spending less time shopping
How long does it take to build a good credit score?
1. Get help with utility bills and groceries
Do you qualify for Chapter 13 bankruptcy?
A temporary pause
What is an REO property?
What rights do you have when your car is being repossessed?
Why you’re getting two SSI payments
How does a second mortgage work?
Key context
Government home loans for buying
Roof replacement cost breakdown
Eligibility rules still apply
How to find your Social Security number
What is a home inspection?
Buying luxury goods amid inflation
What is Mint?
Best places to sell clothes online
What’s changing?
Remember whom you’re doing it for
How much is Sling Freestream per month?
How much you can earn while on Social Security
How does a HomeStyle renovation loan work?
Why is a credit check required to rent an apartment?
A mortgage adds to your credit history
What happens after a default judgment is passed against you?
Debt management
Child support or alimony
Spotify Free
2023 and 2024 SGA limits
Figure out your debt load
What is property tax?
How does a transfer on death deed work?
Job or career change
What is a HELOC?
3 steps for dealing with a debt collector
Do rent payments affect credit?
Recognize the limits of what you see online
What is the typical down payment on a house?
How surge pricing works
Lease requirements vary
Frugal food tips
Calculate your wedding budget
Where consumers encounter dynamic pricing
Ask questions
Work accommodations for bipolar
Getting your finances in order
Who can change their Social Security number?
How does a power of attorney work?
You should feel good about buying a house if …
What is included in a home inspection?
Threats of arrest by collectors are illegal
What matters most for VantageScores
What is credit based on?
Affordability remains steady
FuboTV cost per month
What is loud budgeting?
Audit what's already in your house
What does a real estate lawyer do?
Why preplan your own funeral?
Facing a tax bill? Make sure you file
How to manage your money
What are the benefits of living below your means?
Why check your tradelines?
Why this matters
Types of finance
What is mortgage forbearance?
1. Don’t keep an open tab
A Potentially Problematic Catch-Up Provision
Do you have to tip an Uber driver?
How per stirpes works
2024 SSI maximum benefit amounts
What can happen if you die intestate (without a will)
Audible subscription cost
What is a condo?
What to know before you refinance
How to get a home equity loan with bad credit
Does paying a cell phone bill build credit?
Know your market
What is a residuary clause?
How do Social Security benefits for children work?
What to know if you have a charge-off
What lenders look at in your application
What is an investment property?
Annual income vs. gross income vs. net income
Widen doorways
Where FICO Score XD data comes from
Four common ways to title your home
What are some examples of liabilities?
How to budget money
What information is on a utility bill?
‘I wish we had traveled more while we could’
What is Target Circle (the free one)?
Buscar un trabajo secundario
Inspect your credit reports
IHCDA highlights and eligibility requirements
What are financial boundaries?
Why is diesel more expensive than gas?
Report identity theft to the FTC
What is Form SS-5?
The factors that affect credit scores most
What day is my August 2024 payment coming?

Review summer spending
Know how the market relates to your circumstances
What is Costco?
What is a home equity loan?
What should I check on my Experian credit report?
Minimum wage over time
Tell me more: What is the 50/30/20 rule?
How many credit cards is too many or too few?
How much does ESPN+ cost with the Disney Bundle?
First, what’s an escrow account?
Best cash-back apps of 2024
What is a manufactured home?
1. Improve the exterior
What about packages and bundles?
What is a hard inquiry?
Budget money to become a saver
How to find bankruptcy attorneys to contact
Too much debt or too little income
What’s the difference between Chapter 7 and Chapter 13 bankruptcy?
How to find your full retirement age
What is probate court?
1. Go to the correct site
Pros and cons
Do medical bills affect your credit?
International roaming plans: postpaid
What are the stages of foreclosure?
How ‘pay for delete’ works
1. Find a payment strategy or two
Hulu Live TV cost
How to make money on Audible with content creation
Stringent requirements
What are the three credit bureaus?
What is a revocable trust?
What happens when the appraisal is lower than the offer?
1. Check all three credit reports for errors
If you’re unsure where to start
When does checking my credit score lower it?
Is credit repair legal?
Start saving now
1. Check your account statements
What is the Fair Credit Reporting Act?
How much of my Social Security Disability Insurance (SSDI) income is taxable?
Battle inflation
Late winter and early spring
With a 650 score, you may pay higher rates than others
Types of personal finance software and apps
You may pay higher rates than others
What is a first-time home buyer class?
Build wealth by investing
Know your rights
Financial considerations
Why is notifying bureaus important, and does it affect credit?
How to contact Social Security customer service
Gas prices fall as oil slides to near $100 a barrel. What's the forecast?
How to improve your financial health
Set aside planning time
Types of wage garnishment and how it happens
How are VA disability compensation rates calculated?
Mortgage payoff considerations
What will the Social Security COLA increase be in 2025?
Average monthly expenses by household size
Lower earners have fewer options for managing higher prices
How does a home warranty work?
What does financial compatibility mean?
Steps to rebuilding credit after bankruptcy
4 Types of beneficiaries
Deciding factors
How does a special needs trust work?
How the windfall elimination provision (WEP) works
Know how much data you use
1. Skip the airport
Garage door cost breakdown
What a 710 credit score can get you
2. How much down payment will I need?
How a bypass trust works
Option 2: Use your tablet like a phone with a data-only plan
Raise the subject
What a 690 credit score can get you
How the FICO Score 9 is different
‘Fair credit’ vs. ‘good credit’: Why it matters
How pay yourself first budgeting works
What is pay transparency?
Pros of a condo vs. a house
Incomes plunge but expenses may not
How to decide if you need a will, a trust or both
How much should you save each month?
How to find and evaluate inquiries
Seasonably slightly lower prices in fourth quarter
Half of Americans are feeling worse about the economy
What is a co-op home?
What am I willing to sacrifice in terms of space?
Full-service moving
How target date strategies work
How Social Security taxes work
Understand the process, requirements
1. PayPal Honey
A lower COLA is a good sign
Understand how an appraisal affects home equity
Examine your spending
Can you negotiate all of your bills?
Skip: Televisions
1. Find your inspiration
How property transfer in probate works
Why is net pay important?
How do solar batteries work?
1. Control spending
How burial at sea works
Site-built, detached single-family houses
Take a baseline
Deal with denial first
Why does applying for a credit card hurt your score?
Be curious and helpful but not nosy
1. The courthouse
Succession planning steps
Organic frozen berries
Pros and cons of a durable power of attorney
What IdentityForce does and what it costs
How to make money online
How to freeze your credit with all 3 bureaus
Your credit score could drop if your bank account isn't in good standing
Other ways to budget
How RMDs are calculated
How to start with Amazon Flex
‘3X income’ guideline still eludes first-timers
2. Qualify for the best credit card deals
What is a credit score?
Do goodwill letters work?
How to follow up on a job application
Heating and cooling
Average net worth by age
How does a spendthrift trust work?
What are the weekly jobless claims?
Is a pocket listing illegal?
4 common sources of monthly retirement income
Find first-time home buyer programs in your state
How to use a HELOC in retirement
You can take steps to protect your identity yourself
What is gig work?
1. Do your homework and gather evidence
How does escrow work?
What are the requirements for delivering with DoorDash?
How much is YouTube Premium?
1. Use online valuation tools
What are the features of Amazon Music Prime?
How does a mortgage work?
Price and reliability aren’t necessarily related
Variable expenses examples
How does home equity work?
1. Participate in paid market research
What is a fraud alert?
2. Limit your shopping trips
What are examples of discretionary expenses?
What is ‘cash stuffing’?
Where to find free identity theft protection
How disability pay is calculated
Finding the best credit monitoring service for you
CHFA first-time home buyer loan programs
1. Rushing decisions in a frenetic real estate market
How much of my credit card should I use?
How your servicer can help if you’re behind on payments
How to check if your credit is frozen
Fixer-upper mortgage options
What you need to know
What does a kitchen remodel cost?
Who is most likely to have a thin credit file?
How much will my Social Security be reduced if I have a pension?
How much would you otherwise spend on food?
2. Read a book
What is an assumable mortgage?
Who is a credit ghost and who is ‘unscored’?
What should I look for in my TransUnion credit report?
What are game apps that pay real money?
Take a look at your spending to find savings in your budget
When you can and can’t be held personally responsible
What is Project 2025 about?
What is the price of a Sam’s Club membership?
Netflix subscription cost
Mortgage rates should keep falling
What is the CHOICERenovation loan?
How much does an Uber cost?
How to protect your credit
What’s included in the cost of Peacock Premium Plus?
You’ve faced your fears
What's the average credit score?
If you're the friend with less money
When you could try DIY
How to make your savings last longer
Simple will vs. regular will
Does my state have transfer on death deeds?
What are the different types of retirement accounts?
Skip: Amazon devices
Why do employers check credit?
Why would you withdraw from the interview process?
Conservatorship vs. adoption
Check your credit
1. "Your Social Security number is suspended."
How does loan modification work?
Appraisal bias reports are on the rise
How much should you tip a valet?
What percentage of people retire at 65?
Some beauty spenders are taking on debt
How to use the debt snowball method
How AI will likely affect jobs
How to get power of attorney
Why does tipping matter?
A 750 credit score can help get you the best rates on loans and credit cards
Options for cutting child care costs
How does being an authorized user affect your credit?
Paying won't take a collections account off your credit reports
Mint vs. NerdWallet at a glance
How work-from-home interview scams hook victims
What the lawsuits are about
Raise the topic
Will working longer increase my Social Security benefit?
Takeaway tips
Requirements for a HELOC on an investment property
How AdSense works
Medicare won’t help
You could qualify within your first year in the home
Interior cost estimates
How do I know there's a late payment on my credit report?
Why is my gas bill so high?
Charcuterie board ingredients
Know the credit score you’ll need
Can I collect Social Security and other retirement benefits at age 55?
Talk about inheritance early
Example of a residuary estate
What must a debt validation letter include?
Talk about money early
How does SIM swapping work?
Breakdown of central air costs
What a 720 credit score can get you
2. Not paying ALL of your bills on time
How much is a tiny house?
How much do Instagram influencers make?
How to read a credit report and what to look for
Estimating the costs and how to minimize them
How much does a home appraisal cost?
How FICO 10 and FICO 10T are different
A range of problems
What do you want your life to look like?
What would an opportunity economy look like?
Who has price-matching policies?
Costco membership price
Review your bill closely
How do Social Security disability benefits work?
2. Find a coupon database or a browser extension
How to place an Equifax credit freeze
Who qualifies for SSDI?
Why SSI has limits for married couples
Benefits of an energy-efficient home
2. Install a browser extension
TransUnion credit freeze online
1. Make sure the debt belongs to you
To compete with cash offers, find out what sellers want
2. Negotiate your rate
How did we get here?
Working from home jobs are growing
When should you seek debt relief?
Full retirement age for Social Security
How the rule against perpetuities works
Median income by state: 2022
Sticking to a budget can be tough. What are your best tips for staying on budget?
Google Sheets budget templates
Superpower 1: You can get triple tax benefits
Examples of personal finance in everyday life
How does a home equity loan work?
1. Plan for long-term care expenses
How a home equity sharing agreement works
How to lower your credit utilization
How to get Upwork jobs
2. Know when to splurge — and skimp
Pros and cons of a trust
How long does underwriting take?
Do you have to tip a hairdresser?
Work out how much of your income should go to rent with the 50/30/20 rule
What’s the purpose of a budget?
2. Find money for child care
Gen Z bounced back fast
What assets should you not put in a living trust?
Overview: Best loans for first-time home buyers
2. Buy last year’s model
What is liquid net worth?
What is the 60/30/10 budget?
Local minimum wage increases
Prioritize purchases
Ways to earn money as a younger kid
1. Create a payment plan
Understanding attorneys-in-fact
Definitions: Modular vs. manufactured homes
How much does it cost to build a deck?
How do you handle a default judgment?
Browse coupon websites
Spotify Premium cost
When should you tip a pizza delivery worker extra?
Can you use a reverse mortgage for long-term care?
What it looks like
1. You're unable to work
What's the difference between a HELOC and a home equity loan?
2. Pare down cable boxes
Boosting a sense of accomplishment
Average costs by project
Our take on spring-cleaning your finances
Compare medication costs
When your ex is alive: Divorced spousal benefits
What IDShield does
Front-end and back-end DTI
But debt collectors can use the legal system
If your job loss isn’t permanent
Check the sales, spread out the shopping
1. Take inventory of your finances
Paperwork issues account for most disenrollments
Will mortgage forbearance affect my credit?
6 ways to stretch your SNAP benefits
Workers want to ride the next job wave
How important a factor is credit mix for your scores?
How much does concierge medicine cost?
2. Big-ticket baby gear
Why is this such a seller’s market?
2023 SSI eligibility requirements
Why do CPNs exist?
How much Social Security does a divorced spouse get?
What is OASDI?
When will home equity loan rates come down?
Not being able to make debt payments
How to stop spending money
55% of Americans are helping parents financially or plan to do so
Money regret No. 1: Not saving more
How irrevocable trusts work
Money is intimidating, particularly for Gen Zers
How to use this VA disability back pay calculator
Does paying car insurance build credit?
Get preapproved
My Best Buy Plus
Credit bureau self-service websites
What are the different types of POA in Virginia?
Debt tracker tools
Does closing a credit card hurt your credit?
Types of durable power of attorney
Reduce your spending
2. Get your finances in order
Get the Best HELOC Rate
How to write a follow-up email after no response
YNAB, for hands-on zero-based budgeting
SSI eligibility
Who gets severance pay?
How are credit scores changing?
The Fed is pushing to slow the economy
2. Shopping for a house before a mortgage
What is required to be approved for a HELOC or home equity loan?
How’s the housing market right now?
Advantages and disadvantages of reverse mortgages
How to put your house in a trust
How to build credit fast
Who should get a cash-out refinance?
Bad credit mortgage refinance options
How to freeze a child’s credit
What is the best form of asset protection?
2. Determine distribution
How much does SSDI pay?
Short-term mortgage assistance: Forbearance
1. Pay on time
How to calculate your credit utilization ratio
What should my monthly grocery budget be?
Is ‘pay for delete’ legal?
Real property vs. personal property: definitions and examples
Who's eligible for HAF?
How much cash can you get from a cash-out refinance?
How to make a home budget
What to expect with a credit score simulator
How does a nonworking spouse qualify for Social Security retirement benefits?
How to tell if a debt is time-barred
What to buy at Trader Joe’s
What are your rights under the Fair Credit Reporting Act?
Become an authorized user
What can I add on to YouTube TV?
Stop “doom loops” and connect consumers to humans
Ways to beef up your 650 credit score
Family trust vs. living trust
How to get a PrEP prescription
3. Catch a movie
Tax benefits of owning a home
What’s happening to Mint?
Visualize what happens without a will
A mortgage diversifies your credit
What counts as SGA?
Wedding planning is plagued by money struggles for many
How do you set up a transfer on death (TOD) deed?
When surge pricing becomes unfair
For shoppers
Prepare to persevere
3. Do I qualify for any down payment assistance programs?
Tablet calling is easy
What is a modular home?
How do unions work?
How to approach October sales
SSDI benefits for bipolar
How much does Babbel Live cost?
How to maximize Social Security benefits for married couples
When will lenders use it?
Know your options
Save for the next emergency
Myth 2. Closing a credit card you don’t use is good for your credit
Know your long-term goal
How to preplan your funeral
Find the best (and cheapest) payment option for you
Tips to help you live below your means
Why add tradelines?
How much should you tip an Uber driver?
How target date strategies differ
2024 SSI eligibility requirements
Do Your Own Will benefits and drawbacks
How a strike works
Money move 1: Look at the numbers
Look for savings
Fact 2: Not all of your debts will be relieved
How do I know if I received an overpayment?
Buy: St. Patrick’s Day essentials
2. Examine your situation
How is net pay calculated?
Where are layoffs happening?
How to calculate annual income
Install lever-style doorknobs
How tenancy by entirety works
Why your liabilities matter
Anticipate your expenses
3. Applying for more credit
Our take on estimating Social Security benefits
2. Stash some cash in an emergency fund
Financing college
Considere mudarse o reducir el tamaño
How neurodiversity affects your finances
What does Disney+ include?
Rapid appreciation can't continue forever
Place a fraud alert with credit bureaus
Authentic Italian ingredients
Secured vs. unsecured debt
Start with a spending plan
Freezing your Experian credit report online
What is a credit lock?
How to write a late payment removal letter
Weigh DIY payoff methods
Pros and cons of a lady bird deed
Fetch Rewards
2. Spruce up the interior
How does a hard inquiry affect your credit score?
Start your family budget with estimates
How to read your escrow analysis
Late payments or bankruptcy
How does probate work?
Letters of administration vs. letters testamentary
2. Enter your personal information
Custom furniture: Varies
How much to tip various service providers
2. Become a virtual assistant
3. Stick to your list
Do: Go low-maintenance
What impact does a collection account have on your credit?
The mortgage underwriting process
2. More complicated moves come with hourly rates
Uber vehicle requirements
2. Categorize your expenses
How to build credit from nothing
How a high balance affects your credit score
Tips to work on your 630 credit score
How can having a limited credit file affect you?
Which mortgages are assumable?
Social Security phone numbers
Keep your cash safe
What economic proposals are in Project 2025?
Two weeks’ notice templates
Is there a Sam’s Club Membership discount?
What LegalZoom's will maker looks like
2. The Coupons App
How does the Social Security Administration calculate a COLA?
A weekend or holiday impacted the schedule
How much is Sling TV per month?
Lower earners already spend all or more of their income
FICO vs. VantageScore
How voluntary repossession affects your credit and finances
1. Gather information
How property taxes work
Rocket Lawyer benefits and drawbacks
How to reschedule an interview
How do you report rental payments?
3. Pay attention to fees
Double-check advice and credentials
Buy: Outdoor products
Frugal shopping tips
2. "Your benefits are suspended."
Who qualifies for a loan modification?
What's a credit report?
Avoid gambling gifts and games
Why is beef so expensive?
When can a spouse claim Social Security spousal benefits?
Why did GDP increase in Q2 2024?
1. Make sure it’s legal
Jobs most likely to be affected by AI
Why is pay transparency important?
How much does internet service cost per month?
Pros of using a real estate agent network
TV release cycle
How credit utilization affects your credit
Which subscriptions can you cancel?
Can I suspend my Social Security benefits if I go back to work?
‘We were up to our necks’
Who receives the special minimum Social Security benefit?
2. Rakuten Cash Back Button
You might get a better mortgage rate by refinancing
What is the U.S. unemployment rate?
Mortgage interest
What is included in an Equinox membership?
Research your provider and the competitors
Skip: Flowers
Who is most likely to earn minimum wage?
Pros and cons of a POD account
Burial at sea for veterans
7 takeaways while delivering takeout
How much does a Crunch Signature membership cost?
How many Instagram followers do you need to make money?
How do I access Prime Reading?
‘I wish I’d had something to retire to’
What is Target Circle 360 (the paid one)?
Does opening a new credit card hurt your credit?
What affects the home appraisal cost?
Common succession planning mistakes
Our take on outsmarting debt cancellation scams
What to submit with Form SS-5
1. Set up a payment plan
2. Homeowners insurance claim
Today’s HELOC rates
How to close your bank account so your credit isn't affected
How to qualify for price matching
Reliable information is key — and readily available

Are there free or discounted Costco memberships?
2. Credit card delinquencies
State minimum wages in 2024
3. Get favorable terms on a new cell phone
How credit scores work
Give it one to two weeks, then follow up
Can you freeze your Social Security number?
TDHCA first-time home buyer loan programs
Can I use ESPN+ to watch ESPN?
How to make the homeowners insurance switch
How to maximize your retirement income
How do reverse mortgages work?
Georgia first-time home buyer programs
Selling stuff
What identity theft protection services do
How to avoid overpaying for cable
What is a gig worker?
3. Look for last-minute deals
What to look for in a credit counseling agency
Which is better: Chapter 7 or Chapter 13?
Money Worship
2. Use the FHFA House Price Index Calculator
NCHFA first-time home buyer loan programs
Is Amazon Music free with Prime?
Superpower 2: You don’t have to spend the money
Pros and cons of home equity sharing agreements
How to contest a will
How much does Apple TV+ cost when bundling with Apple One?
Complicated appeals process
Types of trusts
Steps to getting a cash-out refinance
What credit report errors can you dispute?
Our efficiency is costing us; online shopping likely to blame
How do you file for Chapter 13 bankruptcy?
First-time home buyer grants in West Texas
How much of my private disability insurance income is taxable?
Holiday weekends
How to find bank-owned properties
When you’ll get paid
3. Buy a pre-owned iPhone
What’s next
Just starting out? Get on the credit radar
How to save even more on fuel
Skip (rather, don’t sleep on): Video game consoles
Rental housing built in the construction boom comes to market
Should you fear ‘filial responsibility’ laws?
When does the home inspection happen?
How much does a 20-minute Uber cost?
Personal finances cited for optimism, economy for pessimism
How much does Peacock cost for students?
How to get an apartment with little or no credit
IHDA first-time home buyer loan programs
Types of special needs trusts
If your credit score is 700 or above
Rules for refinancing conventional loans
How conservatorship works
Our take on paying off multiple debts
How much does IDShield cost?
Episode transcript
Where can I get FICO Score 9?
What is a reasonable wedding budget?
Different types of home inspections
Taxes and Medicare premiums can change after a death
Loud budgeting can help you save more, find support
Use technology to save money
Effect on credit scores depends on provider and debt type
Know the signs
How does this proposal differ from recent changes to medical debt reporting?
What to consider before joining a gym
3. Furniture
Lean on anti-fraud tools
Defuse the tax torpedo
More about student loans
What are the intestacy laws in my state?
How much does AdSense pay?
Basic food staples
Try to bring more money in
Prepare to be flexible
Learn together
How to tell if you’ve been SIM swapped
Establish efficient habits
Think about where you’ll get care
Seek out moms in-person and online
$125 million on check-cashing services
Indiana first-time home buyer loan programs
When will lenders start using FICO 10 and 10T?
Why are financial boundaries important?
Durable POA vs. living will
Types of guardianship
Stop using your credit cards
Itemizing or taking the standard deduction
The measure of low income can vary
What information do you need to freeze your credit?
RMD table 2024
Why are eggs so expensive?
Pay off debt
Do you get severance if you’re fired?
Credit freeze vs. lock
Mortgage payoff calculator help
Who offers first-time home buyer assistance?
How many credit cards should I have?
Am I eligible for the Flex Modification program?
What is the average American net worth?
What is the difference between a spendthrift trust and a regular trust?
3. Ask for manufacturer coupons
How to buy a second home
How does DoorDash work for drivers?
Debt relief options to consider
3. Think about your children
Why your full retirement age matters
WHEDA first-time home buyer programs
NJHMFA first-time home buyer loan programs
Are paid surveys worth it?
What are fixed expenses?
How long do collection accounts stay on your credit reports?
4. Pay attention to prices
Hulu add-ons
MSHDA first-time home buyer loan programs
If you pay for a credit monitoring service
How landlords and property managers check credit
Is 0% credit utilization bad?
Can I get both SSDI and SSI?
3. Recover unclaimed money
How to pay for a bankruptcy
Take out a credit-builder loan
Who offers first-time home buyer education?
How to set up a family trust
Lifestyle factors
Exactly what are liquid assets?
Pros and cons of the 60/30/10 budget
3 name-change procedures, 1 purpose
Trade the gift card for cash
Indulge in affordable extras
Other cards to consider
The flip side
Debt consolidation
Court-ordered restitution
Do you have to tip pizza delivery drivers?
2. You have plenty of supporting documentation for your disability
How a simple will works
What's the difference between a HELOC and a cash-out refinance?
4. Nix DVR service
WSHFC first-time home buyer loan programs
First-time home buyer grants across Florida
Types of real estate contingencies
Get preapproved for an auto loan
4. What is my interest rate?
Which states have Miller trusts?
Ask about incentives
2. Double-check your insurance
Prices stall in first quarter
What to do if you spot a problem
Mortgage rates peaked
Should you hire a real estate attorney?
How does a housing co-op work?
Make the most of your money
What was your total debt when you started your repayment journey?
What is an example of per stirpes?
Egg prices have increased 47% since August
Advantages of concierge medicine
For SSI eligibility, what counts as a resource or asset?
Where to find a lender that offers HELOCs for investment properties
5 ways to turn no credit into good credit
Exterior cost estimates
What can I do if I make a late payment?
How can I lower my gas bill?
Why you may want to refinance
Focus on wages
Check the appraisal report for accuracy
Tour-stop cities feel the Swift effect
How to build your credit score
How do I pay back a Social Security overpayment?
Money regret No. 2: Overspending
Respect cultural differences
How to set up an irrevocable trust
Americans most likely to have learned money management from parents/relatives
How the VA disability back pay calculator works
How long do children receive Social Security benefits?
2. Save regularly
Getting an investment property mortgage
Consider charging rent
4. Canceling your zero-balance credit cards
Our take on tax-efficient retirement investing
Check your credit score
3. An Airbnb or hotel rental
Faintly good news on supply
PHFA first-time home buyer loan programs
Where can you work for Instacart?
What were your monthly payments and how much did you earn while you paid them?
What is the difference between Costco memberships?
Home equity loan rates in 2024
How to file a dispute with Experian
How Amazon Flex works
Ask your provider for assistance
3. Read the fine print
4. Improve your chances of renting a home
What are the credit score ranges?
How can I build my credit?
How to apply for Social Security
How long do recessions last?
Know the limitations
Is there an ad-free version of ESPN+?
Yes, gas prices have gone up
3. Getting just one quote for mortgage rates
What is a mobile home?
Ways to lower your monthly mortgage payment
Working from home job ideas
How an adverse action notice can help you
How to get letters of administration
Why does CPI matter?
How to pick a trustee
3. Request a credit report or reports
Outdoor furniture: Summer, fall
NerdWallet’s budget planner
Calculating net worth: What are assets and liabilities?
What a mortgage payment includes
2. Account for inflation
3. Transcribe audio and video
Do I need a fraud alert?
Definitions are blurry in some situations
How do discretionary expenses fit into a budget?
How the cash stuffing method works
What data do the credit bureaus maintain?
How to deal with a low appraisal
More grim news in home inventory
3. It’s not available in all 50 states
What can credit repair services do?
Are there exceptions to the 15%-20% rule?
How much rent can you afford?
Can you collect both spousal benefits and your own retirement benefit?
Why is budgeting important?
You won’t lose everything
Explain the importance of an estate plan of their own
What to look for in a personal finance tool
How to determine the work needed and your budget
Requirements to make a power of attorney in Texas
4. Play a game inside
How to assume a mortgage
Reasons to consider a Roth later in life
A long non-winning stretch, but still hope
Building foundations
Consider a hybrid approach
How much of your wages can be garnished?
What is the difference between Sam’s Club memberships?
How you can prepare for the end of Mint
Keep it simple
Does Peacock offer a free plan?
Watch for red flags
Advantages of a reverse mortgage
Distinguish between good debt and bad debt
Employment gap
Understand how much data your apps use
Skip: Major household items
2. Shop around online
What do employers see in a hiring credit check?
Surge pricing vs. dynamic pricing
Choose your venue
Identify your next-level priorities
3. "You can pay to increase your benefits."
Pick your product to sell
Advantages of a bypass trust
Dynamic pricing can be good for consumers
When will beef prices go down?
Getting preapproved and comparing lenders
How old do you have to be to retire?
Look for lower interest rates and ways to pay more
What it takes to get a good FICO score
Legal loopholes can lead to arrest
The Ticketron era
Unload high-interest debt
What’s driving the disconnect?
Other alternatives to Mint
Why does the renewal process fail for so many?
How does mortgage forbearance work?
2. Swap in (cheaper) nonalcoholic drinks
Tips for navigating a seller's market
So what’s an investor to do?
How to avoid a CPN scam
Everyone needs a plan
What it makes sense to use your equity for
Why do we feel some price increases more than others?
Skip: Spring clothing
Buy: Valentine’s Day clearance
How is the residuary estate distributed?
What to include in your debt verification request
My Best Buy Total
How to set up a POD account
Information you’ll need
Is burial at sea legal?
Why knowing your annual income matters
Put grab bars in bathrooms
Access for 'credit invisibles'
Track your spending and cut back where you can
Where to buy a tiny house
How to monetize your Instagram with fewer followers
How do I borrow an item from Prime Reading?
What are the pros and cons of using home equity to pay off debt?
3. Be proactive about student loan repayment
Claiming Social Security
OHCS highlights and eligibility requirements
AHFC highlights and eligibility requirements
Short resignation letter example
What makes rent unaffordable?
Project 2025 calls for big changes to Medicare, Medicaid
3. Credit card
What day is my September 2024 payment coming?
Does raising the minimum wage cause inflation?
How can I re-apply for SSDI benefits through the five-year rule?
When to use a credit freeze
TransUnion credit freeze by postal mail
2. Gather the facts on your debt
Why do buyers seek pocket listings?
3. Make it low-maintenance
Other first-time home buyer resources
What is a soft inquiry?
What to know about working in the gig economy
4. Name an executor
Money Avoidance
Why the rule against perpetuities matters
How to meet your monthly savings goal
13 fundamentals of personal finance
Watch the warranties
2. Try to keep most of your credit limit available
Use a credit utilization calculator
CalHFA first-time home buyer loan programs
5. Buy the Sunday paper (for coupons)
Does Apple TV+ allow password sharing?
How long do collection accounts stay on your credit report?
Different levels of coverage
3. Research before you buy
How to apply for HAF
Why checking your credit is smart
2. Sacrificing big just to snap up something
Uber insurance requirements
Other tools to check your financial health
Gen Z’s unemployment outlier
How to know who your mortgage servicer is
Simplify subscription and membership cancellation practices
How to buy a bank-owned home
Types of second mortgages
How to plan your kitchen remodel
How to thicken your credit file
Other ways to contact a real person at the Social Security Administration
Car loan payments soar. How much should you spend?
How creditors get paid — including Medicaid
What else is in the Project 2025 playbook?
Home prices are rising more slowly
Is the CHOICERenovation loan right for you?
Responsibilities of an attorney-in-fact
Assess your financial foundation first
What’s excluded from SGA?
Money talk is difficult for some, but a necessary premarital task
Advantages of a transfer on death deed
How are my early distributions taxed?
5. Downsize your plan
Revisit spending habits
Design your deal
Types of loan modification programs
Enforce limits
What’s being done to bring about change
Use tax-advantaged benefits when you can
What types of bipolar qualify for disability?
How much does Babbel for Business cost?
26% of Americans have paid for cosmetic procedures
Understand the risk
3. Decide if you’ll rent to friends or strangers
AI affecting jobs versus replacing them
Should you tip all kinds of massage therapists?
What do pay transparency laws require?
What is a will?
VantageScore range
Myth 3. A credit check won’t impact your score
Make next year better
Buyers would set their agents' pay
Moving container service
Another Problematic Provision: Last-Minute Catch-Ups
How did you end up in debt?
How much do Uber drivers make per hour?
4. Amusement park tickets
Can you collect Social Security divorced spouse benefits and your own retirement benefits at the same time?
Can I put off required minimum distributions if I’m still working?
Alternatives to Do Your Own Will
What experts say about Biden’s economic plans
How does Social Security work?
Assess impact to your current, future employment
3. The Camelizer
Frozen foods
The inflation-matching savings account
Fact 3: Paying off your debts isn't always a better option
Not being able to get approved for a credit card
How to negotiate lower bills
Iowa Finance Authority highlights and eligibility requirements
Does paying medical bills build credit?
How long do you have to transfer property after death?
Determine where you’ll compromise
Types of solar batteries
Consider language choices carefully
What are the steps for getting a POA in Virginia?
How to prevent SIM swapping
5. Transferring balances to a single card
Put your information to work
Make small upgrades
‘I wish I had more friends’
What is the Target Circle™ Card (the plastic one)?
Our take on 401(k) waiting periods
The loan process
How might FICO 10 affect your score?
Help a neighbor in need
What role will work play in your retirement?
Contact the companies involved
Baking supplies and real maple syrup
How to fill out Form SS-5
Is IdentityForce worth the price?
Tips to make price matching smoother
What’s going on with layoffs in tech?
What’s included in a severance package
5. Receive better car and home insurance rates
Build credit without debt
Goodwill letter template
Rental website data has shown rent growth slowing for some time
Will your disability benefits change when you turn 65?
How many devices can you stream ESPN+ on?
How to calculate your net worth
4. Search a coupon database or app
Two kinds of reverse mortgages
Advantages of putting a house in trust
Are identity theft protection services worth it?
Other helpful resources
4. Explore alternative accommodations
4. Successfully answer security questions
Mortgage selection tips
Superpower 3: Any withdrawal could potentially be tax-free
International roaming: prepaid
Should I choose a home equity loan or a HELOC?
Fixed expenses examples
Why ‘pay for delete’ is becoming outdated
What is a home equity line of credit (HELOC)?
How much can you make while on Social Security Disability Insurance?
Cash-out refinance requirements
3. Build a budget that works for your expenses
Getting information from the collector
How the second SSI payment will be paid
Amazon Shopping
Which taxes might come into play
How much are you willing to pay for convenience?
Does health insurance cover PrEP?
5. Play a game outside
How to dispute your TransUnion report online
Buy: Headphones and electronics
Don't pay full price
LegalZoom's will maker benefits and drawbacks
Hiring a home inspector
Can your Uber fare change?
You're receiving back payments
GoodTrust benefits and drawbacks
What does a home warranty cover?
Can a will override beneficiary designations?
Do delivery fees go to drivers?
How to calculate property tax rates
Alternatives to Rocket Lawyer
If your credit score is lower than 700
Additional cost considerations
Rules for refinancing FHA loans
Manufactured vs. modular homes
When your ex is dead: Divorced survivor benefits
Do you have to tip a valet?
How does Apple Music fit into your budget?
How to plan a wedding on a budget
How to build your credit to good and beyond
Calculate your DTI
How to safeguard your 750 credit score
How to make this a habit, not a passing trend
Keep sales tax holidays in mind
Paying off a collections account could help you in other ways
Shop for a mortgage
Cons of using a real estate agent network
Black Friday
How can I make homeownership more affordable?
How to cancel subscriptions on your iPhone or iPad
Disadvantages of concierge medicine
What isn’t counted as an asset or resource?
How does Audible fit into your budget?
Is buying a condo a good idea?
Money move 2: Make it harder to buy things online
Home equity loan interest
Make sure the money is safe
How much are children’s Social Security survivor benefits?
Less ‘urgency’ to innovate for customers, skeptics say
Plug in the numbers
Explore ways to cover costs
Programe sus beneficios del Seguro Social
Does Disney+ allow password sharing?
Credit card debt
Look for extra income and cash
3. Make a plan for the down payment
Programs that use the federal poverty level

How much do full-service shoppers make?
How did you increase your payments?
Consider debt consolidation to get out of debt faster
First-time home buyer benefits and programs
What makes an energy-efficient home different?
Buying a manufactured home
2. If a collection is on your report in error, dispute it
How much do DoorDash drivers make?
How much is YouTube Music?
Experience and expertise
Median income by city: 2021
General furniture-buying tips
3. Get a comparative market analysis
Amazon Music Prime vs. other streaming services
Long-term mortgage assistance: Loan modification
4. Sell stuff online
How to place a fraud alert
Don’t: Feel obligated to go completely grass-free
Why the distinction between real and personal property matters
The burden of medical proof
7 types of identity theft and the warning signs
Can a nonworking spouse get benefits if their working spouse hasn't yet filed for Social Security?
How do you start a budget?
Slowing down the shopping process
SSI vs. SSDI: Key differences
4. Get down payment assistance for a home
Get a secured credit card or no-deposit credit card
How much is YouTube TV for 1 year?
Impose a 10% import tariff
Updates to the FDCPA rules
The single-family home rental market still lags
2. Pay it off in one lump sum
3. ShopSavvy
How many people can use Peacock at once?
What’s included in a Gold’s Gym membership?
Your financial plan has been stress tested
How to avoid voluntary repossession
2. Consult legal help
Student loans
Disadvantages of a reverse mortgage
How much can the windfall elimination provision reduce my Social Security benefits?
What are the penalties assessed on early distributions?
6. Bundle cable and internet
Seek out new perspectives
Median down payment by age
Buy: Summer clearance
Does an employer credit check hurt your score?
Strategies to keep building your 710 credit score
Price items for profit
Things to consider when writing a will
How to set up a Miller trust
Beware of hidden costs
The venue (average cost: $5,761)
Make room for other goals, too
2. Build a money management blueprint
Would this rule apply retroactively?
Why debt-to-income ratio matters
Employers are looking to adopt and adapt AI
What triggered your decision to start getting out of debt?
5. Health and beauty supplies
Contribute to a roth
If you are starting with bad credit
Create a money-making strategy
Breaking down the cost to paint a house
How fast are wages growing?
Check your debt-to-income ratio
How can I bridge an income gap if I retire at 55?
No. 1 reason for not helping parents is not being able to
Money regret No. 3: Mismanaging credit card debt
Buy: Tax software
Skip: Most electronics
How to avoid property transfer in probate
When you need to contact all bureaus vs. just one
Install a walk-in shower
Help with specific purchases
Talk about the kids
What it means for buyers and sellers
How to set up a durable power of attorney
Get a secured credit card
Follow-up email template
RMD penalties
Allow for pop-up expenses
Prices continue rising in third quarter
3. Student loans
Do all workers earn at least the minimum wage?
4. Learn your store’s coupon policy
How to pay off a mortgage early
Potential issues with having multiple credit cards
Maximize your exemptions
5. Visit retailer websites and apps
How are state labor markets doing?
3. Determine if the debt is past the statute of limitations
CPI vs. PPI
Can you change the trustee after selecting one?
3. Get a secured credit card
6. Avoid online grocery shopping
How do you handle a collection account on your credit report?
Does Hulu allow password sharing?
4. There's a generous cancellation policy
If you left a retirement account with a previous employer
What do you tip if you’re unhappy with the result?
You can get credit again
Why do lenders sell mortgage loans?
State taxes on disability income
Stop companies from masking bad reviews or creating fake ones
FAQ about freezing and unfreezing credit
What happens when you get your car repossessed?
What is covered in a first-time home buyer class?
4. Wait for a promotion
Safety issues
Give it away
6. Volunteer
What has Trump said about Project 2025?
What you can do about wage garnishment
When is an appliance or system covered?
How does a COLA apply to Social Security payments?
Use employee benefits
Mortgage payments vs. rent
When it’s best to hire a home improvement contractor
Where do lottery prizes come from?
Do you have to tip in cash?
3. You've been in the workforce long enough
How to write a simple will
Is a HELOC a good idea?
3. Comparison shop between brands (the discount ones aren't always cheapest)
Frugal entertainment tips
4. "You owe money that has to be paid immediately."
How can you monitor your report and score for free?
But it can also be bad
How to apply for Social Security spousal benefits
How did personal income change in Q2 2024?
How to calculate debt-to-income ratio for a mortgage
How workers feel about AI
Cons of a condo vs. a house
Planning can help reduce the penalty
What you can do
VantageScore 4.0
Negotiations would be more complex
The risks of buying tradelines
3. Take advantage of promotions
How to improve your credit mix
What happens if you don’t tip?
Know the warning signs
Who isn’t eligible for SSI?
Can I keep contributing to retirement funds if I’m still working after 70½?
What factors affect your benefit amount?
Don't discount Social Security entirely
Evaluate the 'comps'
What if I think the Social Security Administration is wrong?
Next steps: Learn more about VA disability benefits
3. Build credit
Where can I get a power of attorney form?
Tenancy by entirety vs. joint tenancy with right of survivorship (JTWROS)
6. Co-signing credit applications
5 ways to make money on Instagram
Is Amazon Prime Reading the same as Kindle Unlimited?
Update your appliances
‘I wish we hadn’t bought that house’
Managing your credit scores
Should you sign up for Target Circle?
4. Parks and beaches
When should I close my credit card?
Is there a diesel shortage?
Other credit score factors you should know about
2. Apply for a medical credit card
4. Home improvement loans
Collect the right tax forms from your lender
How long does a credit freeze last?
Buck the rules, with caution
Ways to get the best home equity loan rates
How to get paid
Be persistent and enlist support
6. Skip utility deposits
Goodwill letter vs. credit dispute letter
What you'll need to apply for Social Security
How do I apply for a Flex Modification?
Why is net worth important?
TransUnion credit freeze by phone
Other perks that come with a membership
4. Make it more efficient
5. Pick a different neighborhood
Then get a baseline of your expenses
Who to contact for more information
5. Factor in fees
Waiting until after full retirement age to claim benefits
How long does it take to get SSDI?
Money Vigilance
5. Generate your credit report online
Do window upgrades enhance home value?
The Federal Trade Commission’s budget worksheet
Do you include a 401(k) in a net worth calculation?
How to write a ‘pay for delete’ letter
How to prevent someone from contesting a will
Where do the credit reporting bureaus get their data?
4. Learn sales cycles
Avoid credit bureaus' products
How much does credit repair cost?
How to update your Social Security card
How credit utilization affects your scores
Can you qualify if you're divorced?
How to pay off debt and help your credit score
How to implement the 60/30/10 budget
How to get a power of attorney in Texas
Stacking up wins
What to look for in a new budgeting app
Should you tip an Uber driver?
Some prevailed in 2021, despite the challenges
Pros, cons and differences
Disadvantages of transfer on death deeds
New job out of school
For sellers
Rules for refinancing VA loans
Know what the dealer is looking for
5. What is the annual percentage rate?
Disadvantages of a bypass trust
How likely is it that the SSA will approve my SSDI application?
IDShield pros
4. Know what to charge
Which states have pay transparency laws?
What is credit used for?
Borrowing gets more difficult in Q1 and beyond
Fubo add-ons
Don’t worry about the rest
Who benefits from becoming an authorized user?
Be strategic about clothing purchases
Will there be exceptions to the rule?
Confusing notices leave many disqualified people in limbo
What happens when mortgage forbearance ends?
What steps did you take to reduce your debt? What resources or services did you use?
How can I boost my credit instead of using a CPN?
Pros and cons of choosing a HELOC
‘The money just started coming in’
4. CouponCabin Sidekick
Fact 4: Filing for bankruptcy is not a personal failing
Not knowing how to build your credit score
What can I do to make the future of gas prices less of a factor in my budget?
How to stop spending money on food
Should you use bill negotiation services?
Skip: Furniture
Plan to spend it wisely
Consider postponing
Layoffs spiked among tech companies in 2023
Replace flooring with slip-resistant material
Why tracking debt matters
1. Derogatory mark: Missed payments
Make a plan for your debt
$46 million on nonbank money orders
What triggered your decision to get out of debt?
Keys to a higher score on the FICO 10 and 10T
Why is there an egg shortage?
What to complete before re-filing for SSDI benefits
Getting ready for a recession
Average gas price per state
4. Not checking credit reports and correcting errors
Disadvantages of putting a house in trust
Tax implications of the rule against perpetuities
What's a money mistake you recently made? What did you learn from it?
How to get medical bills off credit reports
What to know if you take online surveys
3. Keep managing your investments
They don’t make ‘em like they used to
How to budget for variable and fixed expenses
4. Get a credit-builder loan or secured loan
Is per-card or overall utilization more important?
5. Housesit
2. Consider debt consolidation
How does the cost of Apple TV+ fit your budget?
Making good financial decisions
How does Hulu fit into your budget?
How to reduce your risk
How to check your credit score without hurting it
How much do Uber drivers make?
Wipe out toxic debt first
Crackdown on customer service chatbots and A.I.
What to do after a repossession
Pros and cons of family trusts
How to calculate your liquid net worth
Exceptions to the windfall elimination provision
7. Visit the farmers market
Advantages of assumable loans for sellers
Game apps that pay real money: before you play
Home buyers are walking away from deals
Skip: Mattresses
How to find your child’s Social Security number
How do streaming services fit into your budget?
Builders sell homes at lower price points
New CHOICERenovation provisions
Investing in timeless pieces
Is Peacock worth the price?
Build a strong foundation
Where does lottery revenue go?
How do you choose a beneficiary?
7. Negotiate a lower rate
Block negativity
Adjust phone and app settings to save data
Shift focus to find motivation
Graduate student worker strikes in 2024
Recognize the warning signs and get help
How is a modular home built?
Use a case manager
You may need to call your ex
What happens if you can’t afford to tip a valet?
How does Babbel fit into your budget?
Explore lesser-known options
Borrow for the right reasons
The potential upside of AI
What is a trust?
Scalpers enter the scene … and ticket prices rise
Fourth-quarter inventory continued (slowly) recovering
Can an employer cancel my health insurance when I turn 65?
You could save by changing your home loan's term
Pros and cons of refinancing a home equity loan
Discount points
Buy: Winter products
Most are stressed about finances
Need more information?
How to plan a burial at sea
Pros and cons of buying an investment property
Be straightforward about financial hardships
Keep your liabilities under control
Set realistic deadlines
7. Not having enough credit diversity
How to pay for a tiny house
Tackle home improvement projects
Consider the community
Can Disney+ fit my budget?
6 ways to set financial boundaries
How will you stay connected and sharp?
3. Consider other credit options
Find a payoff method you'll stick with
Bolster your savings
How do you freeze your child’s credit?

Was it difficult to make those cuts?
Freezing your Experian credit report via postal mail
Grow credit with good habits
When possible, contact the hiring manager
How to give the gift of ESPN+
6. Check the Sunday newspaper
Lifting a TransUnion credit freeze
4. Pick your method of attack
Why would a seller choose a pocket listing?
Am I eligible for a reverse mortgage?
Alternatives to a cash-out refinance
Address reasons cited in adverse action letter
6. Make your will official
CPI vs. PPE
How to decide whether you should be a trustee
How to choose the right budget system
4. Hire a professional appraiser
What about savings from energy-efficient windows?
Can I lift a fraud alert?
How cash-out refinances and HELOCs are similar
7. Calculate your burn rate
Example of an appraisal gap
What to do if you aren't eligible or aren't approved for HAF
Information to include in your dispute letter
2. Gather materials to dispute errors
Underemployment is still high among recent grads
The problem with anxiety — or unrealistic optimism
Does YouTube TV allow password sharing?
Qualifying for a second mortgage
Leverage your earning power
5. Pick a payment plan
Unexpected attractions
A few tips about giving gift cards
Decide whether it’s a good fit
How to remove or replace an attorney-in-fact
Average monthly expenses that increased year over year
When voluntary repossession makes sense
If you're the friend with more money
3. Decide on your course of action
Who does the windfall elimination provision affect?
Skip: iPhone
What are your legal rights?
Reasons for garage door replacement
Rules for refinancing USDA loans
Now consider everything else
Older adults are the biggest target
How to get a mortgage loan modification
Searching for the right house
Some cite beauty spending as a necessity
Strategies to keep building your 690 credit score
5. Use a written lease
How to change your Social Security number
How to get a VantageScore
Splurge within limits
If you're self-employed
How much will a real estate attorney cost?
Getting a loan for a co-op
How diverse is my portfolio?
What comes with a 24 Hour Fitness membership?
Company Matches Could Cost you
How to cancel subscriptions on your Mac
Who might consider concierge care
6. Streaming services
Get charitable with your IRA
How much does Social Security pay?
Money move 3: Pick an approach to pay down debt
When to wait to get a HELOC
How long does a late payment stay on my credit report?
International foods
Inflation is not the same for everyone
Financial stress may be related to uncertainty
How to apply for children’s Social Security survivor benefits
Are the paid My Best Buy memberships worth it?
Utah first-time home buyer loan programs
How much does it cost to get a power of attorney in Virginia?
How much does a Crunch+ membership cost?
Strategies to keep building your 720 credit score
Try a simple budgeting plan
4. Enroll in a retirement plan and get the employer match — if you can
Aprovechar el capital de la vivienda, con cautela
How can you improve your relationship with money?
5. In the street
Consider a credit freeze or extended fraud alert
Know when the HELOC draw period ends
Social Security disability benefits pay chart for 2024
Other notable required minimum distribution (RMD) rules
Goodbudget, for hands-on envelope budgeting
How much is severance pay?
7. Get a job
When to use a credit lock
Tips for avoiding late payments
Do you have to contact anyone to switch from SSDI to Social Security?
Alternatives to spendthrift trusts
How to find an energy-efficient home
Choosing a manufactured home lot
Qualifying for a HELOC in retirement
Taking surveys
Compare identity theft protection services
Hard credit inquiry or soft inquiry?
6. Use your affiliations
Getting started
Is YouTube Premium worth it?
Compensation that fits your case
Money Status
Superpower 4: You can jump-start your kids’ retirement
Net worth calculator
How to get a home equity loan
What are the alternatives to foreclosure?
Do: Mix it up with native plants
5. Add-on services are available
3. Competing with a win-at-all-costs attitude
Can you receive benefits if your working spouse dies?
5. Find tax credits for health insurance
Improve health care coverage customer service
Prepare for additional supervision and appraisals
How much are you willing to pay for variety?
How to get PrEP if you don’t have health insurance
8. Go thrift shopping
Have a thin credit file? Become scorable
How to dispute your TransUnion report by mail
There may be fewer new construction projects to come
How to get free or discounted phones
What to do when you get a garnishment judgment
How do you sign up for a Sam’s Club membership?
Alternatives to LegalZoom’s will maker
How to fit Uber into your budget
Loans and financing
Sling TV extras
How much does a Gold’s Gym day pass cost?
How to pay for a new deck
How to pay property taxes
Some engaged Americans are having regular money fights
Alternatives to a transfer on death (TOD) deed
Why should you be worried about future earnings?
8. Seek out cheap cable
Programs in the Florida Panhandle
How to calculate Social Security spousal benefits
Understanding the appraisal process
How did GDP in 2023 compare to recent years?
Is the debt snowball method for you?
Types of power of attorney
Types of credit
Does the cost of FuboTV fit into your budget?
Reuse, recycle
Budget for repairs and maintenance
Moving truck rental
What to look out for next
4. Respect your bartender
Can your ex's current spouse collect spousal benefits if you do?
Finding the right condo for you
Determine your deal breakers
5. Capital One Shopping
Is inflation going down?
Don’t bank on it
Shop: Presidents Day sales
Does paying cable or internet bills help build credit?
How to establish credit
Keep your future self in mind
8. Holding high credit card balances
Prime Reading vs. Kindle Unlimited
‘I wish we’d talked about our expectations for retirement’
How opening a new card can help your credit
What steps did you take to reduce your debt?
Who pays for a home appraisal?
How to look good no matter what score lenders use
Immediate resignation letter example
Discounted gift cards
What would Harris or Trump do for the economy?
5. Contractor financing
Will there be extra Social Security payments?
Maximize employee benefits
5. Make a shopping list and use apps for more savings
Get more help with monthly budget planning
What factors impact your credit scores?
What to do once your Equifax credit freeze is in place
Boost debt payoff with budgeting
How to qualify for first-time home buyer benefits
Top rental increases and decreases in the U.S.
How do you set up a lady bird deed?
Take advantage of savings programs
Sports that may fit your budget
How to increase your net worth
Tackle debt to save on interest
How to improve your chances of receiving SSDI benefits
What to ask before buying a used iPhone
Mortgage assistance tips
How do you find out how much equity is in your home?
How to make money on Audible with affiliate marketing
What is an irrevocable trust?
5. Look beyond the department store
How to maximize earnings as an Uber driver
How can I repair credit myself?
Factor in other costs
Grant programs in North Texas
Take out a student loan
How to contact your servicer
How much should you spend on a mattress?
Advantages of assumable loans for buyers
Buy: Clothing brands you love, directly
What to expect when collectors call
What has Harris said about Project 2025?
4. Target (with Target Circle)
How much does a home inspection cost?
Alternatives to GoodTrust
Things to remember about working while on Social Security
What a good credit score can get you
How does Spotify fit into your budget?
For help, consult a disability lawyer
Self-employment
Use Wi-Fi (instead of cellular) to save data
Average down payment by state
4. Leverage memberships
Does leasing a car build credit?
Rules for refinancing jumbo loans
Frugal DIY project tips
Try to build your credit from fair to good
IDShield cons
The pros and cons of paying yourself first
What if you’re unhappy with your massage?
How fast does an authorized user build credit?
What internet speed do you need?
TV-buying tips
What it means for buyers and sellers this spring
How to maintain or regain Medicaid coverage
How long does mortgage forbearance last?
Avoid shaming
What happened at the first presidential debate?
Submit a 'Reconsideration of Value'
How to maximize the benefits of shopping at Aldi
Nongovernment benefits
Not being able to afford the deposit to open a secured credit card
Find out how much home equity you have
How to cancel an Equinox membership
How to appeal a Social Security overpayment
Buy: Vacuum cleaners
3. Think 'SMART'
Add a wheelchair ramp
Should you get a home equity loan or HELOC?
6. Libraries and museums
$59 million on prepaid debit card fees
OHCS first-time home buyer loan programs
Alaska first-time home buyer programs
Planning for a transfer of ownership
Other popular ways to make money in one hour usually come with a catch
4. Create a wish list
How does a HELOC work?
Other low-income guidelines and programs to note
What you need to work for Instacart
What are your plans for the extra money you have every month now?
Get ready for the next medical bill
How is severance pay calculated?
Maintain and defend your scores
Streamlined Flex Modifications
5. Not having enough saved for a down payment
Spendthrift trust examples
What else you need to know
5. Make it bigger
7. Update as needed
Who can help a trustee with their duties?
How has social media changed the way people learn about money?
What to do after you find a budgeting template
How much Social Security will you get at 62?
5. Become an authorized user
Find ways to stretch your grocery budget
8. Follow your favorite brands
What is the cost of contesting a will?
Know the limits of credit monitoring services
Do you tip assistants?
What's next?
6. Apply for college grants
How to stretch your dollar at Trader Joe’s
Does YouTube TV offer offline viewing?
Other tech tools to help you manage your money
What to do if you notice signs your boss wants you to leave
Government mortgage programs for refinancing
9. Go for a walk
How to use the CHOICERenovation loan
Preparing for financial setbacks
Calculating your potential returns
Would-be seller concerns will keep inventory tight in 2022
Set a timeline
You know what you’re retiring to (not just from)
Pros and cons of HomeStyle renovation loans
Rebuilding your finances after bankruptcy
What are the lottery payout options?
Take social media breaks
Bonus: Freebies
How to pay for a garage door replacement
Know before you modify
Modular homes vs. site-built homes
Find your community
When can I start receiving disability benefits?
Establish credit before you're desperate
6. Pay your taxes
VantageScore vs. FICO
Inventory dips, but still a major improvement over 2022
If you have a commission-based job or are working reduced hours
What to do if you think you were scammed
Pros and cons of per stirpes
How to file for Social Security divorced spouse benefits
Consider other ways to reduce distributions
How will working in retirement affect my taxes?
Will making a partial payment keep me from being reported late?
Property taxes
Only 28% of Americans have an estate plan
Iowa Finance Authority first-time home buyer programs
4. Save for retirement
Invite kids to contribute
Pros and cons of tenancy by entirety
Help them build their own wealth
9. Unemployment leading to missed payments
What happens if I cancel my Prime Membership?
Factors that don't affect your credit score
Look into debt consolidation
Understand how HELOC balloon payments work
When should you freeze your credit?
How do you sign up for a Costco membership?
Finding a home even harder in Q3
4. Applying for new credit
How much will I get from SSDI benefits?
States with the highest gas prices
7. Check postal “junk” mail
RetailMeNot
Cash-out refinance costs
How to pay for your new windows
Budgeting for Amazon Music Prime
Another good time to buy appliances: After a new release
6. Write online reviews
‘Not knowing what I’m doing wrong’
Can other types of data help my credit reports?
6. Find dual-purpose products
How to set up a trust
Prices up even when they’re generally lowest
If you worked for the federal government
The bottom line
What’s next?
How long does it take credit scores to go up after paying off debt?
Can you have good credit and a thin credit file?
When to take Social Security if you have a pension
Cooling rents still aren’t showing up in inflation data
Skip the accessories
3. Settle the debt for less than you owe
Average monthly expenses that declined
How does Gold’s Gym fit into your budget?
What isn’t covered by a home warranty?
5 things debt collectors can do
9. Cut the cord
Reasons to refinance
Recruit the rep
Red flags that you're being scammed
Make an attractive listing
How to keep beauty spending in check
How does a Miller trust work?
Use camp fees to teach kids about money
What happens after you change your Social Security number?
Other ways to build credit
Finding a real estate attorney
What you can do now
What resource do you wish you’d had when you were paying off debt?
Don’t let Black Friday break you
Tips for saving on house-painting costs
What you’ll need before refinancing
Fact 5: Bankruptcy will not ruin your financial future
Reasons to eat: National Ravioli Day and Pi Day
Multifamily homes
Adjust kitchen countertops
2. Derogatory mark: Account charge-off
5. Check your credit score and review your credit report
7. Aquariums and zoos
That rent seems low for San Francisco, right?
Over-the-counter medicine
Medical bill debt
How to make yourself a smaller target for ID theft
What’s the Social Security payment schedule for 2024?
What to do if your disability payment is late or missing
Calculating RMDs when you have multiple accounts
Why are eggs so expensive in California?

Getting information about an Experian credit freeze by phone
What states are increasing minimum wages in 2024?
6. Use coupons strategically
Should you claim early Social Security benefits?
Still, there are challenges
Will food prices go down in 2024?
Keeping track of your net worth
How many jobs were added in July?
Cost of a manufactured home
Ways to increase your monthly retirement income
Now move on to the budgeting
Communication and compatibility
How to determine when to start Social Security benefits
How to avoid probate
6. Read your reports and fix errors
4. Prepare for surprises
What happens if my home is foreclosed?
Alternatives to ‘pay for delete’
How cash-out refinances and HELOCs are different
How much of your fee goes to Upwork?
Credit-related deal breakers
Require airlines to provide automatic cash refunds
Mattress-buying tips
When should you take a first-time home buyer education course?
Tips to make your kitchen remodel more affordable
How to minimize your estate tax burden
10. Take a hike
Guard your credit score
The latest measure of inflation: the worst so far this year
Skip: Appliances
Is a Sam’s Club membership worth it?
But will sellers show up?
Bottom line
Are my other types of debt a problem?
What engaged couples can do
How are HELOC payments calculated?
How to choose a rent-reporting service
Recent strikes in the U.S.
Making an offer
7. Think about the future
Buy in bulk, then split costs
Additional functionality
The Takeaways
How to sign up for SSI
Are HELOCs on investment properties tax deductible?
‘I should have invested that money’
New year, new financial you
How can I avoid late payments?
How an Equinox membership fits into your budget
Bonus: National Frozen Yogurt Day
Does paying college tuition help build credit?
What happens after you send a debt verification request?
4 steps to creating a college budget
10. Ignoring your credit report
Pros and cons of tiny houses
Is Prime Reading worth it for you?
Home appraisal process
Alternatives to canceling a credit card
When will diesel prices go down?
Alternatives to guardianship
Get a credit-builder product or a secured loan
How to unfreeze your credit with Equifax
Lower your bills
Potential impact of multiple credit cards on your credit scores
Home equity loan and HELOC rates
8. Pick up weekly ads at the store
Is a pocket listing a good idea?
6. Make it smarter
3. If you already paid the debt: Ask for a goodwill deletion
How long does it take to make money with DoorDash?
Local asset protection strategies
Working YouTube Premium costs into your budget
How long does it take to get letters of administration?
How to apply for SSDI
How is CPI calculated?
How long do medical bill collections stay on your credit reports?
Compare your net worth
Are home equity loans a good idea?
6. Get a co-signer
How does credit utilization affect my credit score?
Don’t: Blindly jump on a trend
What if you can’t afford to tip?
Does YouTube TV fit in your budget?
How do you get a second mortgage?
How to pay for a roof replacement
Remember gift cards can expire
Disadvantages of assumable loans for sellers
Have a stale file? Freshen it up
How to dispute your TransUnion credit report by phone
Watch out for Social Security scams
Tax benefit of selling a home
5. CouponCabin
How to save money on an Uber
Can you lower your property tax bill?
How to set up a special needs trust
Revisit your plan
Controversy around employer credit checks
6. Are you doing a hard credit check on me today?
How to save money on Babbel
The communal side of standing in line
If it's a joint application and one borrower is still working
Facing the co-op board
How much risk can I take?
Will forbearance impact my future ability to buy a home?
How to reactivate a subscription on your Apple device
Can you apply for Social Security divorced spouse benefits if your ex hasn't yet applied for Social Security?
Home office expenses
Workers fear losing hard-fought union benefits
Install a stair lift or elevator
How do you cancel a Crunch Fitness membership?
8. Cafes, restaurants and bars
What this $230 million total misses
6. Cash-out refinance
Economic proposals in the DNC platform
Look for the most flexible HELOC terms
How to find local and state low-income assistance programs
How do you keep yourself debt-free?
Get organized for tax season
Play with the numbers, then play with them some more
How do you pay for purchases at Costco?
How long does Experian take to resolve a dispute?
Don’t overthink it
It’s more expensive to rent than ever before
What state has the lowest gas prices?
How to protect your child from identity theft
Ways to write a will
5. Evaluate comparable properties
7. Start a blog
9. Try out generic labels
Avoiding collections in the future
Why doesn’t my report show a credit score?
7. Get rewards
Appraisal gap coverage limits your exposure
Tips to get through mortgage underwriting
3. Dispute credit report errors
4. Stretching the budget to the breaking point
Explore other ways to make money on the road
Next, balance more savings and remaining debt
Salaries for recent grads have spiked
Conventional loans (Fannie Mae and Freddie Mac)
Streamline communications between parents and schools
Educate yourself — and your kids — about money
How do I keep my credit score from dropping?
11. Ride a bike
Ways to earn money as a teenager
What is not covered by a home warranty?
Making minor renovations? Consider CHOICEReno eXPress
What happens during a home inspection?
Summary: Key differences
How much should I spend each month?
Dealing with financial crisis
What affects your credit score?
How to talk about money with friends
Not quite ready to retire?
Before you go shopping
Striking worker totals increased by 141% in 2023
Tips to protect yourself
What happens to a 690 score with a late payment?
What if one spouse didn’t work or doesn’t qualify for Social Security?
What is a good DTI ratio?
You should probably postpone buying a house if …
How did your debt journey affect your personal relationships?
What's different about buying a condo?
You want a different type of home loan
Refinancing your primary mortgage with a home equity loan
Tax benefits
How to request a waiver for a Social Security overpayment
Disadvantages
Media layoffs soared as companies struggle to profit
Steps to take if you’re a victim of SIM swapping
How to handle these bills
4. Hire a medical bill advocate
Know when to call it quits
Curate your credit
What are the cons of freezing credit?
How to sign up for Instacart
How do I apply for disability benefits?
Is there an income limit to qualify as a first-time home buyer?
Can you collect SSI and Social Security disability or retirement benefits?
6. Missing out on first-time home buyer programs
9. Look at the product packaging
When a HELOC is a bad idea
Exploring other options
How much does probate cost?
Is it safe to buy a used phone?
3 appliance-buying tips
What does a shared equity agreement cost?
Why is home equity important?
3. Work with your creditors
Fraud alert vs. credit freeze — which should I choose?
Pros and cons of a cash-out refinance
Most dramatic impact: Austin, Las Vegas and Tampa
Watch out for scams
Why consumer advocates are concerned, and what you can do
Black Friday shopping tips
Doing great
How Sling TV might fit into your budget
Where to get a HomeStyle loan
How to designate a beneficiary
Compare lenders
How to calculate the windfall elimination provision
How to get conservatorship
Frugal home expenses tips
Compare prices and services
Mortgage and refinancing benefits
How to save money every month
Understand your legal obligations
If you need to seek coverage elsewhere
How do I qualify for mortgage forbearance?
If you collect Social Security divorced spouse benefits, do you have to inform your ex-spouse?
Alternative financing options
File a complaint if you suspect discrimination
How to map your — and your parents’ — financial future
4. Write them down
Manufactured homes
Protect your own finances along the way
What were your other expenses?
First-time home buyer programs near Indiana
Tires and gasoline
Tax implications of guardianship
How to use a home equity loan
Once you request your Experian credit freeze
7. Buy in bulk
Take advantage of your good credit
Make more money
Alternatives to a lady bird deed
What to do if your SSN has been compromised
What if I change my mind?
What is the current unemployment rate?
Average retirement age
Local sales
The most popular surveys for cash apps
Mortgage types
How can I survive foreclosure?
8. Game on Twitch
First-time home buyer programs near California
First-time home buyer programs near Michigan
Expand tax cuts
States that do not tax Social Security benefits
How can I use my credit score and report to manage my file?
No longer a credit ghost? Now protect your score
What happens next in a TransUnion credit dispute?
Most rent remains unaffordable
Modular vs. manufactured: Which is right for me?
How to deduct property taxes on your tax return
Does paying rent build credit?
5. Opt for economy cars
Beware of the emotional costs of 'erasing yourself'
Reach out to community organizations
5. Reduce your tax burden
How to set up tenancy by entirety
How does a Crunch Fitness membership fit into your budget?
3. Derogatory mark: Repossession
Don’t be afraid to ask for help
What information is not found on your credit reports?
Keep your options open
How to use your newfound knowledge
What if my scheduled payment date falls on a weekend or a holiday?
Avoid prepayment penalties
Why you may not be getting a response after an interview
What happens after you file your dispute?
Minimum wage increases
How to pay for improvements that increase value
Cut the cost of monthly bills
How can you make more money with DoorDash?
Still not sure which budget system is best for you?
What's your best advice for taking on a side gig?
How to keep medical bills from hurting your credit
How long will it take to rebuild my credit?
Strategies for keeping your credit utilization low
10. Use credit cards strategically
Other income that can lower your disability pay
If you worked for a state or local government
How to rent an apartment if you have credit challenges
12. Sleep in the woods
What not to wear to an interview
How to give two weeks’ notice
6. PayPal Honey
Stumbling blocks on the homebuying path
Real estate contingency deadlines
What happens to a 710 credit score with a late payment?
7. Do you charge for an interest rate lock?
Advantages of modular homes
Underwriting and closing
Factors to consider before retiring
Ready, set, save
Why is having good credit important?
What’s the cheapest way to move?
What was your biggest hurdle you had to overcome?
Per stirpes vs. per capita in a will
Are Social Security benefits taxable?
Medically necessary home improvements
Consider alternatives
What if I don’t give back a Social Security overpayment?
5. Treat yourself
Paying for aging-in-place home renovations
What do home appraisers look for?
7. Community or government home repair assistance

How to work for Instacart
Is a Costco membership worth it?
Email templates for declining a job offer you already accepted
Can you negotiate severance?
Factors that don’t affect your credit scores
How did rent get so expensive?
How are gas prices determined?
10. Browse store aisles
Is unemployment rising or falling?
Manufactured home loans
HELOC tips for retirees
7. Monitor your credit regularly
How much Social Security will you get at 67?
How do I grow my home's equity?
Home equity takes time to build
9. Sell photography
Home equity loans: another way to access equity
What to do if you’re denied SSDI benefits
What is a trust fund?
What to do if your rights have been violated
How much does a home buyer class cost?
Why liquid assets are important
Disadvantages of assumable loans for buyers
Can kids be beneficiaries?
Find the best HELOC lender for you
What percent down payment do you need for a house?
Negotiate if necessary
Set and stick to a repayment plan
Co-ops vs. condos: Which is better?
‘I’m championing everyone now’
Finding a lender
How to increase your SSDI benefit
What makes a good investment property?
Before you apply for a credit card
10. Schools and universities
Resignation due to health issues letter example
Keep your next Costco visit cost-effective
Guardianship by state
5. See if you qualify for an income-driven hardship plan
HELOC requirements
Be mindful of how much you borrow
Who can access your frozen credit reports?
Memberships
What advice do you have for others trying to pay down their student loans?
Homes on and off the market in a blink
What is the median household income in the U.S.?
Advantages of a spendthrift trust
Homeowners insurance part of a bundle?
Ways to uncover homes for sale
Refinance options for underwater mortgages
Try a worksheet or app
4. Check your credit reports after 30 days to make sure the change was made
Not a DIY project
Will a credit freeze or fraud alert hurt my credit score?
11. Establish your local supermarket circuit
Do: Be a good neighbor
Are credit scores from all major bureaus the same?
Pros and cons of disputing by mail
How can you take the guesswork out of tipping?
The 50/30/20 budget calculator
State first-time home buyer programs
Social Security and pensions for spouses and widows
13. Gaze at the stars
Get ready to rumble
2024 veterans disability rates
Other ways to finance a purchase and renovation
How to get a good credit score
First-time home buyer programs near Illinois
How to prepare for a hiring credit check
Disadvantages of modular homes
Maximum and average DTI ratios by mortgage type
The wedding invitations (average cost: $215)
How to stop spending money online
3 tips to control central air conditioning installation costs
Use a co-signer
5. Find the right mortgage for you
What if my Social Security payment doesn’t arrive by the expected date?
EveryDollar, for simple zero-based budgeting
Home equity loan requirements
8. Start small
How inflation is hitting your grocery bill
7. Ignoring VA, USDA and FHA loan programs
Who should get a home equity loan
How to do well on Upwork
Other ways to make money online
If you served in the military
Reasons to change your name on your Social Security card
How to find a home buyer education course
Differences between HELOCs and home equity loans
The U.S. needs way more rental housing
Alternatives to modular and manufactured homes
Ways to build your credit
What happens if you don't pay property taxes?
Pros and cons of a simple will
6. Stick to one driver
Alternatives to conservatorship
8. Will I have to pay mortgage insurance?
A final tip on refinance closing costs
How to build your credit
Be cautious about debt
Set good boundaries
How do I cancel my 24 Hour Fitness membership?
Refinance programs that don't require appraisals
Modular homes
11. Theaters
HELOC alternatives
Don’t be afraid of debt relief
11. Check your receipts
How to calculate the unemployment rate
How to cancel a Planet Fitness membership
Working from home tips
Other retirement ages to know
4 tips for applying for SSDI benefits
Why home value is important
How repayment of the equity investment works
10. Pet sit
4. Seek help through debt relief
Is it better to get a second mortgage or refinance?
12. Consider a wholesale membership
Your next step
4. Use budgeting or expense-tracking apps
How to reduce the tax burden on Social Security benefits
14. Listen to music
If wage garnishment is a financial burden
What's included in a home inspection report?
How much does a home warranty cost?
How much are lottery winnings taxed?
Construction loans for modular homes
Ticketmaster, before the internet
Mistakes to avoid in funeral preplanning
How to get mortgage forbearance
Any thoughts for those who may be struggling with splitting needs versus wants?
Alternatives to home equity loans
What the SSA can’t do to recover overpayments
How to get credit for good financial habits
4. Derogatory mark: Collections
What were the biggest challenges you faced along the way?
6. Try negotiating costs on your own
How to get a home equity line of credit
When did all of the tech layoffs start?
How to improve your credit
Power and lighting
Disadvantages of a spendthrift trust
Rebuild your credit to refinance
Clothes, vintage and crafts shopping sites
How does a trust fund work?
Problems with tenant background checks
Mass deportations of immigrants
Requirements for a HELOC or home equity loan
Can I change my beneficiary?
Provide top-notch customer service
Anticipate extra costs
Managing subscriptions could help your budget
Questions to ask before signing up for a gym membership
The decline of strikes in the U.S.
You can tap equity with a refinance
Rent vs. inflation
Homeowner costs that aren't tax-deductible
Save money on wedding venues near you
Home inspection vs. appraisal
Jobs for New Grads: How Does Gen Z Stack Up Against X and Y?
Study your student loan strategy
Should you get a credit freeze or credit lock?
How do Instacart shoppers get paid?
How are SSI payments calculated?
First-time home buyer programs near Texas
Why is gas so expensive in California?
Who should get a HELOC
First-time home buyer programs near Georgia
Think it through and get a second opinion
How is CPI used?
More about the influencers
11. Do freelance work
Can I have a fraud alert and a credit freeze?
Is Upwork the right freelance marketplace for you?
Applying for SSDI benefits
Gen Z grads do face economic and employment uncertainty
Home renovation loan options
Other shopping apps to help you save and earn
How to improve your liquid net worth
15. Make some music
Programs in north Florida
Shop for a fair lender
How many union workers are in the U.S.?
How has your life changed for the better since you got out of debt?
Who is eligible for Social Security?
Determine priorities in your budget
How to safely cancel a credit card
How has the Biden-Harris administration handled the economy?
Home equity loan pros and cons
Choosing between cards? Rewards and perks might make the difference
How are food prices tracked?
12. Use social media
What is the labor force participation rate?
Work from home job scams
Mortgage terminology to know
Don’t: Miss out on state or local incentives
Who benefits from the cash stuffing envelope system
How can I check my credit reports?
What is a trust account?
Alternatives to cash-out refinance
Pros and cons of changing your name on your Social Security card
Government-backed mortgages for home improvements
What counts as income?
Add it all up
Shop around and read the fine print
Resources for other essentials
How to ditch your own debt
4 things to do if you received a Social Security overpayment notice
Mass layoffs across the labor market aren’t likely in 2024
Tiny houses
8. Disaster relief
Other ways to save at the pump
Keep budgeting and communicating
What to do if you discover child identity theft
Summary: Buying a second home
How much Social Security will you get at 70?
13. Look at the price per unit
7. Ask an organization for assistance
First-time home buyer programs near Colorado
5. Explore other expense-tracking methods
16. Make something
One more tip
Is two weeks’ notice required?
Tips for managing the WEP
7. Use your own insurance
9. What will my monthly payment be?
Getting creative in search of tickets
Get tax help for complex issues
How did you stay motivated?
Personal loans
How much can you borrow with a HELOC?
How to unfreeze your credit
National first-time home buyer loan programs
How to set up a spendthrift trust
First-time home buyer programs near New Jersey
Taxes and trusts
Tips to avoid rental credit check problems
Should I get a HELOC or home equity loan?
Assuming a mortgage after divorce or death
Will a home warranty replace an item if it can’t repair it?
How to choose a home warranty company
What happens if I don’t choose a beneficiary?
How to save money on a gym membership
When can I collect Social Security?
How to finance central air installation
Getting a home appraisal report
13. Subscribe
Next CPI report
Where to get a home equity sharing agreement
12. Create a podcast
Where to mail your dispute letter
It still pays to get a college degree
Rights violated? Submit a complaint
17. Learn a new skill
Have a plan for if you lose your job
Other ways to sell clothes online
Appraisal too low? Submit a Reconsideration of Value
The wedding dress and accessories (average cost: $1,907)
How do you manage your debt today?
You need to add or remove a borrower
When will interest rates go down?
Tips for avoiding a Social Security overpayment
Fear of store closures in small towns, despite assurances
5. Student loan delinquency or default
What resources did you use?
How can I check and monitor my credit?
Manufactured homes: Pros and cons
What to do if you discover unclaimed retirement benefits
6. Look for ways to lower your expenses
Social Security and Medicare: an evolving view
How to improve credit after a car repossession
What to do if you win the lottery
10. Do you have an origination fee?
How we tracked prices
A resurgence of strikes in the U.S.
A more immediate concern: A potential credit downgrade
How much do emergency home repairs cost?
How much money can you make on YouTube?
8. Not knowing whether to pay discount points
Save money when you shop
Home shopping tips
13. Become a rideshare or delivery driver
What if I see a mistake on my report?
4. Review the response to your dispute
Avoid entrepreneurial pitfalls
18. Exercise
Ways kid creators can earn online
Why do home warranties deny claims?
What’s a good down payment for a house?
8. Forgo the extras
Final considerations and how to choose a solar battery
How do you remain debt-free today?
6. Get preapproved for a mortgage
Empower Personal Dashboard, for tracking wealth and spending
How is the job market right now?
14. Understand sale cycles
How do you know which trust to use?
Ways identity theft happens
What are alternatives to a home warranty?
Notable 2024 unionization activity and news
What are your financial goals now?
If you see errors, dispute them
Keep calm and invest on
Home equity loans vs. alternatives
Who is most likely to rent?
8. Review your living expenses
Getting help with updating your Social Security card
19. Have a potluck
11. What other costs will I pay at closing?
3. Make the most of your savings
What happens to a 720 score with a late payment?
Summary: 2021 OHCS first-time home buyer programs
Get credit for the bills you pay
What other benefits can I get with SSI?
What does the Job Openings and Labor Turnover Summary report show?
Homebuying readiness: Should I buy a house now or wait?
5. Lower your living expenses
Is a cash-out refinance a good idea?
Grant programs in Central Texas
How to sell clothes online
What advice would you give someone just starting out their debt-free journey?
What was Harris’ economic record before her vice presidency?
9. Emptying your savings to make a down payment
Debt relief scams to watch out for
Consider all your options
What else do credit bureaus do?
20. Do something productive
What is the highest credit score?
9. Price out prepaid gas
12. How — and how often — will I be updated on the loan’s progress?
Suspect discrimination? File a complaint
DTI isn't a full measure of affordability
What is the maximum Social Security benefit?
Consumer confidence in the economy
How to make these changes last
Affordability
Is getting a HELOC a good idea?
Questions about how much to tip
2023 veterans disability rates
How to claim lottery winnings
Programs in central Florida
After deciding
6. Derogatory mark: Bankruptcy
How to get SSI
Earn an audience, and earn more in the long run
Electronics sites
Other government home loan programs
13. Do I have to sign all the paperwork in person?
Summary of medical debt payoff options
15. Rent out items
21. Host a yard sale
What are the largest lottery jackpots ever?
10. Walk or ride
Rent vs. income
10. Applying for credit before the sale is final
First-time home buyer programs near North Carolina
Things to consider
Practice good credit habits
16. Use cash back apps
Economic proposals in the RNC platform
22. Engage with your community
If your DTI is high
Flowers and decor (average cost: $2,639)
How’s the stock market doing?
What would the Trump economy look like?
7. Find a real estate agent
Other ways to make money
Receipt Hog
Tips for making money as a kid
14. How long until my loan closes?
Planning for Social Security
How to submit Form SS-5
What is the quit rate?

Other types of mortgage loans
How to apply for VA disability compensation
7. Derogatory mark: Foreclosure
Business debt
Reconsider your real estate
PocketGuard, for a simplified budgeting snapshot
First-time home buyer programs near Washington
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A deed of trust is a real estate transaction agreement that allows a third-party trustee to hold the property title until the borrower repays the lender in full. The third party in a deed of trust is typically a title company or real estate broker [0] Cornell Law School Legal Information Institute . Deed of Trust . Accessed Jun 1, 2023. View all sources .

Over half of states use deeds of trust instead of mortgages , which involve only two parties. However, in many states, home loans are colloquially referred to as “mortgages,” although they may legally be deeds of trust.

The main difference between a mortgage and a deed of trust is that if you fall behind on loan payments, the property can be foreclosed on more quickly with a deed of trust than with a mortgage.

A deed of trust is not to be confused with a living trust , which is an estate planning tool that helps avoid probate. It also doesn’t transfer ownership of the real property as a property deed does.

Will: one-time fee of $199 per individual or $299 for couples. Trust: one-time fee of $499 per individual or $599 for couples.

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$149 for estate plan bundle. Promotion: NerdWallet users can save up to $10.	Will: $199 for Basic, $299 for Premium with attorney assist. Trust: $499 for Basic, $599 for Premium with attorney assist.
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Deeds of trust vs. mortgages

Deeds of trust and mortgages are lending agreements that place a lien, or legal claim until debt repayment, on real property. Here’s how they’re similar:

They’re subject to state laws.

Both are public record.

Both allow for foreclosure.

Both are considered contracts as opposed to loans.

However, there are two key differences:

Number of parties involved. A mortgage involves two parties: the lender and the borrower, while a deed of trust involves three parties: the lender, the borrower and the trustee.

Foreclosure type and time. Mortgages typically have to go through a judicial foreclosure, while deeds of trust generally can use a nonjudicial foreclosure process without involving the courts. Because a nonjudicial foreclosure process tends to be faster and less expensive than a judicial one, it usually takes less time and effort to foreclose with a deed of trust than with a mortgage.

As a home buyer, you don’t have the option to choose between a mortgage or a deed of trust, even if you live in one of the nine states that allow both. In those states, the lender chooses which document to use.

How does a deed of trust work?

A deed of trust works similarly to a mortgage by making a piece of real property the collateral for a loan. This means that if you don’t make your loan payments on time, your lender can foreclose on the property. Unlike a mortgage, though, a deed of trust typically allows for foreclosure without the need to first obtain a court order.

Here’s how the process works:

The trust deed includes a promissory note that spells out the exact terms of the loan including the principal, interest, occupancy, insurance and maintenance requirements. The borrower signs this note, agreeing to repay the borrowed money.

The trustee holds legal ownership of the property or in some states just holds the lien, which is a legal claim to the asset, but has no control over that property unless the borrower doesn’t make their scheduled payments per the terms of the agreement.

While the buyer is making payments, the lender keeps the promissory note. Once the loan is paid off, however, the promissory note is marked “paid in full” and the deed is returned to the buyer. At this point, the buyer will own the property outright.

Requirements to create a deed of trust

A valid deed of trust must always involve three parties:

The borrower, also known as the trustor.

The lender, also known as the beneficiary .

The trustee, which is typically a title company that holds legal title to the real property or, in some states, just holds the lien.

The deed of trust document should contain the following information:

The names of all the involved parties (borrower, lender and trustee).

A description of the property involved.

The original amount of the loan.

Loan inception and maturity dates.

Any fees or riders involved.

What will happen in the event of loan default.

Depending on the nature of the sale, any other relevant details.

Deed of trust by state

The following states (and Washington, D.C.) use deeds of trust instead of mortgages:

California.

Massachusetts.

Mississippi.

New Hampshire.

New Mexico.

North Carolina.

Rhode Island.

Washington.

West Virginia.

Deeds of trust and mortgages are allowed in these states:

South Dakota.

All remaining states use only mortgages:

Connecticut.

New Jersey.

North Dakota.

Pennsylvania.

South Carolina.

Deeds of trust vs. warranty deeds

A warranty deed is a document required by some lenders before they approve financing. It certifies that the seller is the true owner of the property and has the right to sell it and that there are no outstanding debts, liens, judgments or encumbrances on the property.

A deed of trust is a lending contract, while a warranty deed is offered by a seller to a buyer for the buyer’s protection.

You can deduct your loan interest payments on your income tax return for home mortgages and deeds of trust. To do so, just be sure the property has been recorded as your principal residence in your county records [0] IRS.gov . Publication 936 (2022), Home Mortgage Interest Deduction . Accessed Jun 1, 2023. View all sources .

If you have a loan secured by a deed of trust and your lender sells that trust deed, an assignment of trust deed assigns that deed of trust to the new buyer of your loan (typically another lender). The assignment of deed of trust grants the new loan purchaser all rights to the property and is recorded as public record along with the original deed of trust.

A reconveyance in a deed of trust is a transfer of property (minus the lien) to the borrower from the trustee or the lender. This happens when the borrower has paid off the loan and satisfied the terms of the debt, and it means the lender no longer has an interest in the property.

On a similar note...

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NFA Gun Trusts

Gun Trusts written by Firearm Attorney

What is an Assignment of Property and Why Do I Need One for my Trust?

Some of the most common questions we receive regarding NFA trusts are about how they functions to contain and manage weapons, during your lifetime and beyond. To answer this question requires a little background on what a trust is, and how it is drafted. A trust is its own legal entity.

Who can own Trust Property

It designates a primary individual who directs the trust and contains information about who is able to possess and use trust property, as well as who is allowed to inherit trust property. For a weapons trust, the purpose of the document is to assign ownership of weapons to the trust, rather than the individual. This has estate planning implications that become especially important when the items are classed as NFA weapons or accessories.

When a suppressor, for example, is purchased and a tax stamp is applied for, the ATF can assign the stamp to a person or a trust. If the suppressor is assigned to an individual, only that individual can possess or use the item during their lifetime. As the trust is its own legal entity, the ATF is able to issue tax stamps in the trust name instead of an individual’s personal name.

Those assigned as co-trustees can legally possess the trust property during the primary trustee’s lifetime. Whereas most NFA weapon enthusiasts are familiar with this use of trusts, many are unaware that the trust also acts like an estate-planning document, demonstrating what should happen to the trust and its contents in the event of your death.

Ownership transfer if you die

Upon the death of the owner of a suppressor with an individually-assigned tax stamp, the suppressor could not be legally possessed by their family or executor of their will. Even keeping the item in the family’s home after the death of the owner without the proper tax stamp would constitute illegal possession. The property would instead have to be turned over to local law enforcement until a Form 5 could be processed. Only then could the family member receive the property.

That item would be transferred via a tax stamp to the new individual. This process would need to be repeated for every single NFA item that the deceased person possessed. With a large collection, this would obviously be a long and tedious process, and might delay the liquidation of a planned estate sale if the items were valuable. With a trust, however, the individuals you assign as beneficiaries can take possession all of the trust property immediately, without having to perform a Form 5 transfer. You can specify which items go to which beneficiary, which would provide a great deal of clarity for your family.

Why assignment of property is important

So, why is a separate Assignment of Property form needed from the main trust and how does it work? Whereas the main trust lays out who may possess and inherit the property, it does not actually list that property. The Assignment of Property portion of the trust specifies what property the trust owns. However, there is not, and shouldn’t be, specifics within the main corpus of the trust about the property itself. This is because if the body of the document contained these specifics, it would need to be entirely re-drafted every time the property was altered. So, if a weapon were sold, the entire trust would need to be revised. The position of the Assignment of Property as a separate part of the trust ensures that the document can be easily revised while maintaining the integrity of the trust itself.

When the trust is initially created, an Assignment of Property needs to be filled out with information about the item you are granting to the trust. This includes both regular weapons and any NFA weapon or accessory. When this page is signed and added to the trust documents, you are granting that item to the trust. It is common to have a running collection of Assignment of Property pages, with each page representing an item you have added to the trust.

The page commonly includes a description of the weapon or accessory, serial number, tax stamp number (if applicable), and a beneficiary assignment. If you were to sell an item from the trust, you would remove that specific Assignment of Property page from your trust documents. These pages do not need to be sent to the ATF, but simply kept updated and organized in your files. It is helpful to think of your trust documents as accomplishing two different things- one set is used along with your ATF paperwork and filed with your tax stamps, and one is set is personally updated and maintained like a will at home in your files.

Keeping good records of your tax stamps, trust, and Assignment pages ensures that your trust property both maintains compliance with NFA weapon possession and use requirements and provides your family with the assurance that the management of your entire collection is easily transferred upon your death. Please contact us with any questions you may have.

About Dean Phillips

Attorney Dean Phillips has written thousands of gun trust over the past decade for his customers. His other practice areas are criminal defense and personal injury.

What Is an Assignment for the Benefit of Creditors and How Does It Differ From a Bankruptcy? - Creditor’s Rights Toolkit

An assignment for the benefit of creditors (ABC) is a process by which a financially distressed company (referred to as the assignor) transfers its assets to a third-party fiduciary (referred to as the assignee). The assignee is responsible for liquidating those assets and distributing the proceeds to the assignor's creditors, pursuant to the priorities established under applicable law.

Troutman Pepper's Creditor’s Rights Toolkit is a series that provides practical insights to help creditors confront the challenges of commercial bankruptcy.

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What Are Fraudulent Transfer Claims and What Defenses Exist to Such Claims? - Creditor’s Rights Toolkit
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Will Modifying the Terms of a Debt Instrument Result in a Taxable Transaction? - Creditor’s Rights Toolkit

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Financial Advisor

Understanding Your Asset Protection Trust

Updated: Jul 5, 2022, 2:26pm

Understanding Your Asset Protection Trust

Protecting your assets is crucial when drawing up an estate plan. An asset protection trust can help you keep your assets from creditors, lawsuits and even divorce claims and civil actions.

If you’re considering an asset protection trust, use this guide to determine which one may be best suited to your needs—and what process is required to properly establish one.

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What Is an Asset Protection Trust?

An asset protection trust guards your resources from creditors. This type of trust is created by an individual and is irrevocable, meaning once the assets are in the trust, they cannot be removed or put elsewhere.

Asset protection trusts are shielded from creditors and lawsuits. That means if you find yourself getting sued, the resources will not be considered as belonging to you, and the creditor won’t be able to demand payment or transfer of the asset. Assets held in a foreign trust can also be protected from divorce claims and civil actions.

Different Types of Asset Protection Trusts

There are multiple types of asset protection trusts, including:

Domestic Asset Protection Trusts

A domestic asset protection trust is established within the U.S. Note that since these are a relatively new type of trust, not all states allow them to be established, and states that do allow them have varying rules.

Also keep in mind that these trusts cannot shield assets from a claim that is already outstanding at the time it is established. For example, if a credit card company sues you for $10,000, you cannot put a portion of your assets into a domestic asset protection trust in an effort to keep the creditor from recovering that money.

Foreign Asset Protection Trusts

A foreign asset protection trust (also referred to as an offshore trust) is set up outside of the U.S. This type of asset protection trust is governed by the laws of the country in which the trust is set up. Common countries for foreign asset protection trusts include the Cayman Islands and Bermuda.

Although these trusts are usually harder to find than a domestic asset protection trust, most countries honor enforcement of criminal cases and convictions—so if you’re charged with a crime involved with the assets, they won’t be protected. These trusts are also generally more expensive to establish than a domestic trust.

Medicaid Asset Protection Trusts

A Medicaid asset protection trust can be used to help someone with assets qualify for Medicaid benefits. This kind of trust prevents your assets from being counted for Medicaid eligibility purposes.

States have different asset limits for Medicaid eligibility. Though some big assets aren’t considered in the eligibility, such as a primary residence or a vehicle, the limits are still so low that they can easily be exceeded by other assets. Putting that property into a Medicaid asset protection trust will stop this from happening.

Keep in mind that you cannot establish a Medicaid asset protection trust if you’re planning on applying for Medicaid right after. It must be set up at least five years before you apply for Medicaid.

Pros and Cons of an Asset Protection Trust

Asset protection trusts are helpful for individuals with high net worths or who own a business. But they come with both pros and cons.

For example, it’s beneficial that an asset protection trust will keep your property safe from creditors. But creating a trust can be an expensive process, and in some cases, it must be established before any claims are made against you. Asset protection trusts are also irrevocable, which means once they’re created, they cannot be reversed.

While foreign asset protection trusts typically provide more security for your assets and are harder to locate, they are more expensive to establish than a domestic asset trust. They also sometimes require creating a company during the process, which can trigger tax implications. Additionally, a foreign asset protection trust is subject to any risks associated with the foreign country in which it is held, such as economic and political risks.

How to Establish an Asset Protection Trust

Setting up an asset protection trust requires working with an experienced estate planning attorney. This kind of professional knows the intricacies of how the trusts work and what the trust laws in your state may be.

After finding an appropriate estate planning attorney, you’ll work with them to create the trust document. This will identify the trustee or the person who administers the assets, as well as the trust beneficiaries who will receive assets held in the trust.

Once the trust document is created, you’ll then have to place your resources within the trust. The type of asset protection trust you decide to use will determine how you fund it. For example, some foreign asset protection trusts require creating a limited liability company (LLC) before you can transfer your property. There are also tax implications of funding a trust, so be sure to discuss them in detail with your estate planning attorney.

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Bottom Line

Asset protection trusts are a type of trust that shields assets from creditors and lawsuits. There are various types of asset protection trusts, including both domestic and foreign trusts along with special Medicaid asset protection trusts. Individuals considering a trust should work with a qualified estate planning attorney to help them navigate the process of setting up and maintaining a trust as well as understand any tax implications that may be involved.

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Forgiveness

How to build trust in a relationship: 15 ways, trust is fundamental to any relationship..

Posted August 19, 2024 | Reviewed by Hara Estroff Marano

The Importance of Forgiveness
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Trust is necessary for any relationship to work well. Lack of trust will steadily erode the relationship.
If you want to have any chance of a trusting relationship, don't wait for the other to make the first move.
You can't just demand trust from others. You have to show it to get it. And trust that they will reciprocate.

Ah, trust in a relationship. It's like avocado in avocado toast. Without it, your relationship is just toast. After all, if you can't trust the other person in a relationship, what's the point? You will be constantly worried that the other person will leave, screw you over, or fail to do what was promised. Being in an untrustworthy relationship can be worse than being in no relationship at all.

How then do you build and maintain trust in a relationship? So often people want it from the other person without themselves doing the things needed to build such trust. People can be like penguins waiting for others to dive off the ice cliff first. Don't be that penguin; instead, start doing these 15 things immediately:

1. Maintain open and frequent communication.

Don't expect others to be mindreaders. In the words of that Madonna song, express yourself. At the same time, listen to others. Hear what they have to say. Do all of this frequently—every day, preferably.

2. Be honest and transparent.

Don't make your communication like political speeches. Be very clear about how you feel, what you are thinking, what's making you happy, and what's concerning you. Blindsiding people with unexpected thoughts and actions is one of the quickest ways of destroying trust.

3. Be consistent.

Would you trust a thermometer that gave different readings each time or Siri if it were to give unexpected answers? It is difficult to trust anyone who constantly runs hot-cold or brings will-they-or-won't-they? drama into a relationship.

4. Be reliable and true to your word.

If you say you are going to do something, then do it. Talking big without delivering is easy. Giving too many excuses afterwards will eventually make others say, "Excuse me, but I can't trust you."

5. Be non-judgmental.

Don't quickly label or categorize others based simply on limited observations. Telling others that they are "quiet" or " shy " just because they aren't Jim Carrey all the time or that they are "too sensitive" because they question what you say is going to make them feel they have to walk on eggshells when around you.

6. Be empathetic.

You can't simply declare to other people that you are "an empath " or utter "I hear you" or "I feel for you." Actions speak much louder than words. Demonstrate compassion. Don't just speak of it. If, for example, others are feeling nervous or down, don't make demands. Instead, listen to them. Hear what they have to say. Take concrete steps to make them feel better.

7. Establish and respect boundaries.

"I'm going to do whatever I feel like doing" is a great way to destroy trust in a relationship. It's also a great way to mimic being a five-year-old. Don't force others to do or talk about something when they are not ready.

8. Be accountable and apologize.

Another great way to be like a five-year-old is to not be accountable for your actions. If you screwed up, if you hurt someone or something, quickly show remorse, apologize, and make amends. Don't try to find someone or something to blame. And absolutely do not try to shift the blame back to the person whom you hurt. That's like saying you punched someone because that person's face got in the way of your fist.

9. Show vulnerability.

Again, it's OK to admit mistakes. It's also OK and, in fact, good to show your "weaker" sides. In fact, when you do not, others may wonder what you're hiding.

10. Don't try to manipulate or control the other person.

No one is going to say, "I trust you because you keep trying to trick me." And self-respecting people do not want to be controlled.

11. Be generous, not transactional.

Don't keep score. Don't always expect something in return for what you do. A relationship is not a business transaction in which you pay or get paid for services. If you want companionship, conversation, love, and even sex that way, there are businesses for that, some legal.

12. Don't be self-centered.

If it's always all about you and nothing but you, then soon it may be only you. Always keep in mind how your actions are affecting others.

13. Give each other the benefit of the doubt.

People are not perfect. Don't assume bad intentions. Stress , misunderstanding, or other factors may be behind what people say and do. Be curious about the other person. Show forgiveness. Don't turn the relationship into a grudge match by holding on to grudges.

14. Be there when needed.

Ultimately, people show their true character during tough times. If others face crises and you aren't there for them fully, how can they ever trust you again?

15. Have and show integrity.

All of the above are about showing integrity. If you don't have and follow a clear set of values, then it is hard for anyone to trust you. And don't just speak of having integrity. Be it. Live it.

Again trust is fundamental to any healthy relationship. But you can't just demand it from others. You have to show it to get it. And trust that they will reciprocate so that everything will work out in the end.

Bruce Y. Lee, M.D., M.B.A., is a writer, journalist, professor, systems modeler, computational and digital health expert, physician, avocado-eater, and entrepreneur, not always in that order.

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IMAGES

Printable Assignment of Deed of Trust Template
North Carolina Assignment of Deed of Trust by Corporate Mortgage Holder
Springfield Missouri Assignment of Deed of Trust by Corporate Mortgage
Trust Assignment Of Benificial Interest (PDF And WORD)
Assignment of Deed of Trust Template
Assignment of Deed of Trust

COMMENTS

The Assignment of Personal Items to Trust
Learn how to use an assignment document to transfer your personal items, such as furniture, clothing and jewelry, to your living trust. Find out what to include in the assignment, how to sign it and what to do if you add property in the future.
What is an Assignment of Trust Deed?
An assignment of trust deed is a document that transfers the claim of a mortgage lender to another party. Learn what it means for borrowers, lenders and the property involved in this legal transaction.
Deed Of Trust: What It Is And How It Works
An assignment of trust deed is necessary if a lender sells a loan secured by a trust deed. It assigns the trust deed to whoever buys the loan (such as another lender), granting them all the rights ...
Transferring Personal Property into a Trust
A Trust is created anytime someone, known as the Trustor, wants to transfer their assets to another person or several other people, known as the Trustee or Trustees. Different types of Trusts can be created as part of Estate Planning, to distribute wealth among family members, to help manage a large windfall, to buy real estate, or any other ...
What is an Assignment of Trust Deed?
Learn what an assignment of trust deed is and how it affects the borrower's mortgage. Find out how a deed of trust works and how it differs from a normal mortgage.
A General Assignment of Assets to Living Trust can help avoid Probate
Learn how a general assignment of assets can help fund your living trust and avoid probate. See a case example and the difference between a general assignment and a declaration of trust.
What Is a Corporate Assignment of Deed of Trust?
An assignment of a deed of trust is simply the movement of the deed of trust from one party to another, a party that was not originally involved in the deed creation when the property was bought. A corporate assignment is simply an assignment of the deed of trust between different businesses. Since the majority of mortgages are created by banks and lending institutions and not private lenders ...
Deed of Trust
The assignment of deed of trust simply serves as permission for one lender to sell the loan to another lender. Once the loan is re-assigned, the new lender takes over the same lien on the same piece of property, essentially stepping into the shoes of the prior lender. The borrower can be provided with a copy of the assignment of deed of trust ...
Trust Deed: What It Is, How It Works, Example Form
Trust Deed: A trust deed is a notice of the release of merchandise to a buyer from a bank, with the bank retaining the ownership title to the released assets. The bank remains the owner of the ...
Using a Deed of Trust
Assignment of a deed of trust. Like any deed, a deed of trust can be transferred from one person to another, similar to the way a bank can sell a loan to another bank. The document that transfers a deed of trust, called an assignment of a deed of trust, must be filed in the county clerk's office to be valid.
Funding a Trust with a General Assignment
Take-Away: Using a general assignment to fund a Trust, sometimes executed by an attorney-in-fact is often legally effective to fund the principal/settlor's Trust, but questions can often arise using a general assignment. Background: If the beneficiaries of a settlor's Trust are different from the settlor's probate estate, great care needs to be sure that the Trust is funded as the ...
A Deed of Trust can be Assigned Apart from the Note, and that often
Learn why a deed of trust cannot be assigned apart from the note, and what are the legal consequences of such an attempt. Find out the difference between a deed of trust and a mortgage, and the exceptions to the general rule.
How Do I Put Property, Money, and Other Assets in a Living Trust
Drafting a living trust document is only the first step. For the trust to effectively distribute assets after death, the grantor must transfer assets into the trust. There are many methods that a grantor may use to transfer assets into a trust, including the following: Deeds. Title transfer. Assignment of ownership.
What's the difference between a mortgage assignment and an ...
An assignment transfers all the original mortgagee's interest under the mortgage or deed of trust to the new bank. Generally, the mortgage or deed of trust is recorded shortly after the mortgagors sign it, and, if the mortgage is subsequently transferred, each assignment is recorded in the county land records.
PDF This Space for Recorder'S Use Assignment of Deed of Trust
FOR VALUE RECEIVED, the undersigned hereby grants, assigns and transfers to. all beneficial interest under that certain Deed of Trust dated executed by. to and recorded as Instrument No. Recorder's office of. on. , as Trustor , Trustee , of Official Records in the County County, California. Describing land therein as (insert legal description):
Deed of Trust: Meaning, How it Works, Benefits
A deed of trust (also known as a trust deed) is a document sometimes used in financed real estate transactions, generally instead of a mortgage. Deeds of trust transfer the legal title of a ...
Mortgage vs. Deed of Trust: What's the Difference?
Again, while a mortgage involves two parties, a deed of trust involves three: the trustor (the borrower) the lender (sometimes called a "beneficiary"), and. the trustee. The trustee is an independent third party, like a title company, trustee company, or bank. The trustee holds "bare" or "legal" title to the property.
Assignment of Property to Revocable Trust
by Practical Law Trusts & Estates. Maintained • USA (National/Federal) A Standard Document used for transferring property to a revocable trust that can be customized for use in any US jurisdiction. This Standard Document contains integrated notes and drafting tips. A Standard Document used for transferring property to a revocable trust that ...
Deed of Trust: Definition, Uses
Deed of Trust: Definition, Uses. A deed of trust is used in over half of states instead of a mortgage. Published Jun 6, 2023 9:19 a.m. PDT · 2 min read. Written by Roberta Pescow. Roberta Pescow ...
What is assignment of property and why do i need one in my trust
The Assignment of Property portion of the trust specifies what property the trust owns. However, there is not, and shouldn't be, specifics within the main corpus of the trust about the property itself. This is because if the body of the document contained these specifics, it would need to be entirely re-drafted every time the property was ...
What Is a Deed of Trust With Assignment of Rents?
A deed of trust is similar to a mortgage, and like a mortgage, it may include an assignment of rents. An assignment of rents gives the lender the right to step in and collect rent from the tenants if the borrower defaults on the loan payments. This right is absolute in some states but not in others.
Trust Assignment Definition
Related to Trust Assignment. First Assignment means: the relevant Assignment; orif, prior to the relevant Assignment:. IP Assignment Agreement has the meaning set forth in Section 3.2(a)(iii).. Purchase Agreement Assignment means that certain Purchase Agreement Assignment [NW 1997 I], dated as of February 3, 1998, between Lessee and Lessor, as the same may be amended, supplemented or modified ...
What Is a Deed of Trust With Assignment of Rents?
It Secures the Note. A deed of trust with assignment of rents acts as extra security for the lender. It gives the lender the right to collect any rents that the property generates if you don't make your loan payments. The lender records a notice of default against you and can then can present a copy of the notice along with a copy of the deed ...
Deed of Trust: What It Is and How It Works
A deed of trust involves a borrower (often a homebuyer), a lender (frequently a bank) and a trustee (often a title company). Under a deed of trust, a lender gives money to a borrower for the ...
What Is an Assignment for the Benefit of Creditors and How Does It
An assignment for the benefit of creditors (ABC) is a process by which a financially distressed company (referred to as the assignor) transfers its assets to a third-party fiduciary (referred to ...
How Does An Asset Protection Trust Work?
Protecting your assets is crucial when drawing up an estate plan. An asset protection trust can help you keep your assets from creditors, lawsuits and even divorce claims and civil actions. If you ...
Dodgers designate outfielder Jason Heyward for assignment
August 22 - The Los Angeles Dodgers designated 15-year veteran outfielder Jason Heyward for assignment on Thursday. The former All-Star, who turned 35 this month, is batting .208 with six homers ...
How To Build Trust in a Relationship: 15 Ways
7. Establish and respect boundaries. "I'm going to do whatever I feel like doing" is a great way to destroy trust in a relationship. It's also a great way to mimic being a five-year-old.