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AJ Smith

Contributor |  In Personal Finance, Mortgages

AJ Smith is an award-winning journalist with more than a decade of experience in television, radio, newspapers, magazines and online content. She currently serves as the managing editor for SmartAsset. AJ has a passion for meeting new people, sharing stories and helping others. She has degrees from Princeton University and Mississippi State University. AJ and her husband also write and illustrate educational children’s books.

Should You Ever Pay Cash for a Home?

Mortgages

Should You Ever Pay Cash for a Home?

Should You Ever Pay Cash for a Home?

While some of us may be struggling just to afford a down payment, there are people out there who are paying for their homes in full in cash. Finding a great property and forgoing all the bank paperwork and loan repayments may seem like a dream, but it can, in fact, be a mixed blessing…. Read More

How Much Equity Do I Need to Refinance?

Mortgages

How Much Equity Do I Need to Refinance?

How Much Equity Do I Need to Refinance?

When you own a home, you often have a mortgage. But the interest rate you secure when you take out your mortgage doesn’t have to be forever. A refinance can secure you a better rate or different mortgage terms. Figuring out if a refinance is right for you requires the consideration of several factors. These range from… Read More

5 Reasons Your Budget Isn’t Working

Personal Finance

5 Reasons Your Budget Isn’t Working

5 Reasons Your Budget Isn’t Working

Having a plan for your money should help you manage your funds better and ensure that your money is going to support your goals and your values. But just creating a budget does not guarantee that it will work. It’s important to make a budget that you can stick to and then hold yourself accountable…. Read More

How to Make Improvements That Add Value to Your Home

Mortgages

How to Make Improvements That Add Value to Your Home

How to Make Improvements That Add Value to Your Home

Homeowners can sometimes talk themselves into spending money on their house by assuring themselves it will add value at resale time. However, it turns out that there are many improvements that do not add the value you may be banking on. To ensure you stick to projects that successfully increase your home’s value, check out the details… Read More

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