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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.

What Makes a Home Affordable?

Mortgages

What Makes a Home Affordable?

What Makes a Home Affordable?

Deciding where to live can be hard. You are probably thinking about proximity to work, to family, friends or significant others, as well as food options, climate, travel accessibility, crime rate, education, culture and of course — affordability. We all know that living within our means is important to maintaining good financial health, but figuring how… Read More

5 Ways to Save More Money This Spring

Personal Finance

5 Ways to Save More Money This Spring

5 Ways to Save More Money This Spring

As the weather (finally) warms up, most of us are ready to leave hibernation and enjoy some activities the winter weather may have discouraged us from doing. You may think it is time to get out and spend, but really, the better weather and your renewal of positive energy can help you save. As you… Read More

Should You Ever Tap Into Your 401K?

Personal Finance

Should You Ever Tap Into Your 401K?

Should You Ever Tap Into Your 401K?

Saving for retirement isn’t easy. It’s hard to forgo things now to plan for some distant day in the future. But whether you want to see the world or play golf in your backyard, if you want to be able to stop working at some point, saving up is usually necessary. Calculating how much you will need… Read More

3 Reasons to Buy a House You Don’t Want to Live in

Mortgages

3 Reasons to Buy a House You Don’t Want to Live in

3 Reasons to Buy a House You Don’t Want to Live in

The homebuying landscape can be difficult and confusing to navigate, but real estate can be wealth-building tool. If you are thinking of buying a place as a way to build your net worth, you might want to consider an investment property instead of your dream home. Most people wait to get involved in the housing… Read More

Rent or Buy? The Key Is the Break-Even Year

Mortgages

Rent or Buy? The Key Is the Break-Even Year

Rent or Buy? The Key Is the Break-Even Year

Housing costs is often the biggest part of any American’s budget. But when it comes to choosing where you will live there is often one major question: Should you rent or should you buy? There are several factors that go into which decision is more financially prudent for you. One number that can help you figure… Read More

5 Ways to Slash Your Monthly Expenses

Personal Finance

5 Ways to Slash Your Monthly Expenses

5 Ways to Slash Your Monthly Expenses

It can often seem like your monthly income flows right back out. If you feel like your money is gone before you even have a chance to choose where it goes, you may need to get a handle on your finances. Regular monthly expenses can fill  your budget easily, leaving less money to spend now… Read More

5 Ways to Boost Your Retirement Savings

Personal Finance

5 Ways to Boost Your Retirement Savings

5 Ways to Boost Your Retirement Savings

Even if you haven’t yet entered the working world, you can probably assume you will want to retire and some point. While most Americans have similar goals for a debt-free, affordable post-working life, you might not realize how much work (outside the office) it takes to get there. You probably are not saving enough, or… Read More

Buying a Home? Be Ready for These Closing Costs

Mortgages

Buying a Home? Be Ready for These Closing Costs

Buying a Home? Be Ready for These Closing Costs

For most of us, there’s no bigger purchase than buying a home. And with big purchases, even minor fees can carry a big price tag. Before signing the paperwork and taking on a mortgage, it’s a good idea to get educated about the process. Many people either don’t know or forget to factor in the… Read More

4 Reasons You Could Be Denied a Mortgage

Mortgages

4 Reasons You Could Be Denied a Mortgage

4 Reasons You Could Be Denied a Mortgage

So, you’ve thought about whether renting or buying your next home is the right decision for you. If you decide to buy a home, you’ll likely have to prepare for financing your purchase with mortgage payments. Here’s where things can get a bit tricky. While getting a hold of the costs involved with home buying can… Read More

4 Big Refinancing Questions Answered

Mortgages

4 Big Refinancing Questions Answered

4 Big Refinancing Questions Answered

You may have heard about it on the news, your neighbors may be bragging about it or you could have even received eligibility notice in the mail — but what is the real deal behind refinancing? Before you crunch your personal numbers and weigh the costs and benefits of refinancing your mortgage, you need to be… Read More

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