Ben Luthi

Personal Finance and Travel Writer at Freelance

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Articles

FHA Cash-Out Refinance Guide

3 days ago | experian.com | Ben Luthi

Should You Get an FHA Cash-Out Refinance? An FHA cash-out refinance can be a powerful tool if you're looking to tap equity but don't meet the stricter requirements of a conventional loan. It may offer the best shot at cash flow for homeowners with less-than-stellar credit or limited savings. However, if you have great credit, you may be able to borrow more and get better terms with a conventional cash-out refinance loan.
7 Luxury All-Inclusive Getaways You Can Score for Almost Nothing

4 days ago | financebuzz.com | Ben Luthi |Sara Albertelli

Any vacation that includes the sun, sand, and ocean is a good one. However, booking an all-inclusive resort is a great way to elevate it even further. Amenities such as food and drinks in addition to poolside and beach service are often included in the cost of the stay. While this sounds expensive, you might be able to score a stay at an all-inclusive resort if you've stocked up a pile of hotel points.
How Much Will My Insurance Go up After a Speeding Ticket?

6 days ago | experian.com | Ben Luthi

How Much Does Your Insurance Go up After a Ticket? The impact of a speeding ticket on your car insurance rate can vary. Having a clean driving record (no incidents or violations) can help. In some instances, a single speeding ticket over a three-year period may not translate to a rate hike at all. However, multiple tickets during that same period will typically translate to a higher premium.
How to Buy and Sell a House at the Same Time

6 days ago | experian.com | Ben Luthi

Buying and selling a house at the same time can be daunting for many homeowners. However, with a strategic approach, it's possible to accomplish your objectives and stick to your timeline. If you're planning to buy a new home and sell your current one simultaneously, here are some steps you can take to ensure a smooth process. 1. Review Your Financial SituationYou'll incur a variety of expenses while buying and selling a home, so it's important to make sure that your finances are in order.
7 options if you can’t pay your student loans

1 week ago | nwitimes.com | Ben Luthi

Secure transaction. Cancel anytime. Have an account? Log In Your account has been registered, and you are now logged in. Check your email for details. An email message containing instructions on how to reset your password has been sent to the email address listed on your account. × × Secure & Encrypted What's your email address? What's your name? Who is this gift for?
7 options if you can’t pay your student loans

1 week ago | myrtlebeachonline.com | Ben Luthi

After a lengthy pandemic-related pause, the U.S. Department of Education resumed collection efforts on student loans in default in May. This has placed renewed pressure on borrowers who are behind on payments or whose loans are in default. As of late April, 38% of student loan borrowers are in repayment and current on their payments, according to the Department of Education. Of the remaining 62%, a majority are either delinquent on payments or in forbearance or deferment.
7 options if you can’t pay your student loans

1 week ago | theeagle.com | Ben Luthi

Secure transaction. Cancel anytime. Have an account? Log In Your account has been registered, and you are now logged in. Check your email for details. An email message containing instructions on how to reset your password has been sent to the email address listed on your account. × × Secure & Encrypted What's your email address? What's your name? Who is this gift for?
How to Sell Your House: A Step-by-Step Guide

2 weeks ago | experian.com | Ben Luthi

4. Prepare the Home for SaleAs previously mentioned, you'll want to make some minor repairs to take care of cosmetic issues that could be a problem for potential buyers. Here are some other things you can do to get your home ready for sale. You'll want to make your home look as neutral as possible so buyers can envision themselves living in your home. To make that happen, you'll want to get rid of any clutter and personal items, such as family photos, that could be distracting.
What Is Negative Equity?

2 weeks ago | experian.com | Ben Luthi

How Negative Equity Impacts YouNegative equity can be detrimental to your financial situation, especially if you want to sell your vehicle or home, or you need to file an insurance claim. It's possible to trade in a car while you're underwater on the loan. However, you'll need to decide whether to pay off the negative equity out of pocket or roll it into your new loan.
Seven Habits Rich People Swear By to Build and Maintain Wealth

2 weeks ago | kiplinger.com | Ben Luthi

When it comes to building and maintaining wealth, it’s not just about how much money you make — it’s about what you do with it. High-net-worth individuals (HNWIs) tend to follow a consistent set of habits that help them grow their fortunes and keep them intact for the long haul. These aren’t necessarily secrets, but they are practices that require focus, patience and intention. Here are seven habits wealthy people swear by to create lasting financial success.

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