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AssumptionAn assumable mortgage will let a borrower transfer the mortgage to someone else even if they haven't fully paid it off. Assumable mortgagesIf you have an adjustable-rate mortgage or a government-backed mortgage (including FHA, VA, and USDA mortgages), you might have an assumable mortgage. Finally, if you want to transfer a property into a trust, a mortgage transfer may be able to help, too. Mortgage transfer processIf you think a mortgage transfer is the right move for your needs, follow this step-by-step process. If the lender doesn't approve a mortgage transfer, you will need to explore other options, such as refinancing your mortgage or selling your house.

Persons: You'll, Molly Grace, Molly, Read, Aly J, Yale Aly J, Aly, She’s Organizations: Chevron, Business, Rocket Companies, Indiana University, Yale, Finance, Dallas Morning News, CBS, Forbes, Fortune, Money, Newsweek, US, Wall Street Journal, Yahoo Finance, Mortgage, National Association of Real, Insurance, Texas Christian University Locations: Chevron, Michigan

☆ The 5 highest-paying associate degrees—all help you earn over $100,000
▼ + stars: | 2024-09-23 | by ( Morgan Smith | ) www.cnbc.com time to read: +1 min

College graduates on average earn more than those without a degree, but you don't need a bachelor's to land a high-paying job. Dozens of associate degrees can lead to high five-figure and six-figure incomes, according to a new report from salary data provider Payscale. Payscale looked at the education and employment histories of more than 3 million college graduates with either an associate or bachelor's degree. These findings, published on Sept. 4, note that associate degree holders can earn as much as $150,000 within 10 years of graduating. Here are the five highest-paying associate degrees, according to Payscale:

Persons: Payscale

☆ I avoided paying for day care when I was a single mom. It was hard, but I'm glad I did it.
▼ + stars: | 2024-09-20 | by ( Ashley Archambault | ) www.businessinsider.com time to read: +4 min

You can opt-out at any time by visiting our Preferences page or by clicking "unsubscribe" at the bottom of the email. When I had my son, I was determined to avoid putting him in day care while I worked. It wasn't just that I didn't love the idea, but as a single mom, I would never have been able to make enough money to make day care make sense. I knew that all my money would have gone right to paying for it. But I was a single mom without much willing help from family members, so I had to get creative.

Organizations: Service

☆ I was going into Amazon's office 5 days a week before the RTO push. It's helped me focus and bond with teammates.
▼ + stars: | 2024-09-20 | by ( Charissa Cheong | ) www.businessinsider.com time to read: +5 min

AdvertisementFor most of my time at Amazon, I've been going into the office five days a week. When Amazon RTO rules started requiring people to come into the office three days a week, I noticed that in-person work helped me and my team collaborate better. Roughly a month after I started, I decided to work in the office five days a week. I heard rumors about Amazon employees "coffee badging" on the news, but I don't personally know of anyone who's done it. In-person work has helped my team collaborate and improved my focusI heard about Amazon's new RTO policy, requiring employees to come in five days a week, on Monday.

Persons: —, Luka Emrashvili, I've, It's, I'd, they'd, We've Organizations: Service, Business, Amazon, Big Tech Locations: Amazon, New York, I'm, Georgia, Eastern Europe, weren't, Bryant

☆ Fans of the Bachelor Could Decide the 2024 Presidential Election
▼ + stars: | 2024-09-18 | by ( Juliana Kaplan | Andy Kiersz | ) www.businessinsider.com time to read: +17 min

Ben Higgins tried to parlay his Bachelor success into a political career, but the campaign didn't last long. The focus on Bachelor Nation also makes sense given the franchise's viewership is dominated by one of the most crucial swing votes of recent elections: white women. In the past two presidential elections, white women were the most closely split demographic subgroup tracked by major exit polls. In 2016, Donald Trump won over 52% of white women against Hillary Clinton's 43%, exit polls found, while Trump bested Joe Biden in 2020 among white women 55% to 44%. The overlap between the swingiest demographic and the "Bachelor" audience suggests Bachelor Nation has value to those who seek to lead our nation.

Persons: Ben Higgins, Charming, Higgins, He's, that's, Acierto, Young Sheldon, Joey Graziadei's, Graziadei, Doug Emhoff, Kamala Harris, Chad Kultgen, Lizzy Pace, Pace, Harris, Kultgen, Joey Graziadei, John Fleenor, Walz, Big, YouGov, Donald Trump, Hillary Clinton's, Trump, Joe Biden, Hulu —, they're, Natasha Scott, Reichel, Rose, Scott, Claire Fallon —, —, Becca Kufrin's, Fallon, Emma Gray, Garrett Yrigoyen, Kufrin, Yrigoyen, — Colton Underwood, — Fallon, Matt James, Rachael Kirkconnell, James ', Chris Harrison, it's, Justine Kay, Charity Lawson —, Joe Biden's, he's, Juliana Kaplan, Andy Kiersz Organizations: Disney, ABC, NFL, Valentine's, White, Daily, Nation, Pew Research, Trump, Hulu, Girls, Bachelor Nation Locations: American, Colorado, America, Atlanta, Quinnipiac, Georgia, North Carolina, Hulu, Washington

☆ I got hired at Google without even a high school diploma. Here are my 3 tips for others with nontraditional backgrounds.
▼ + stars: | 2024-09-17 | by ( Robin Madell | ) www.businessinsider.com time to read: +9 min

Read previewThis as-told-to essay is based on a conversation with James Thompson, a 40-year-old strategic partner development manager at Google from London. In 2023, after over two decades of working in the tech and telecommunications industry, I landed a job at Google as a strategic partner manager. I never thought I'd be even considered for a role there because my tech career didn't begin with a traditional background. I dropped out of high school and polytechnicI dropped out of high school at age 17. AdvertisementI've been at Google for just over a year now and my experience has been amazing so far.

Persons: —, James Thompson, It's, I'd, didn't, I've, I'm, it's, Jane Zhang Organizations: Service, Google, Business, Vodafone, Cisco, British Telecom, LinkedIn, Big Tech Locations: London, New Zealand

☆ I got my green card after working at Microsoft on an H-1B visa. The process was very painful, but I love the US and don't plan to leave.
▼ + stars: | 2024-09-16 | by ( Elle Hardy | ) www.businessinsider.com time to read: +7 min

I applied for a green card after working on my H-1B visa for a year. By this point, I had lived in the US for about six years and created a whole life here, but the green card process was very painful. The process makes life pretty horribleHaving a work visa and going through the green card process are privileges, but it is very hard to separate the emotional component. Luckily, Microsoft paid for the attorneys in the green card process, and no cost came out of my pocket. In 2022, I finally received my green card after three years.

Persons: —, Andres Pico, I'm, Lauryn Haas Organizations: Service, Business, ACT, University of South, of Hispanic Professional Engineers, Virginia Tech, Microsoft, Verizon, Deutsche Bank, Disney, Starbucks, lhaas Locations: Seattle, Manta, Ecuador, University of South Florida, Tampa

☆ A Gen Xer shares the saving strategy that grew his net worth from $50,000 to $1 million in 15 years
▼ + stars: | 2024-09-16 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +6 min

Read previewTodd, a 53-year-old IT professional based in Nashville, had a long journey to a six-figure salary. However, for many Americans, reaching a six-figure income could still have a significant impact on their lives. Todd shared how he's turned his six-figure salary into a $1 million net worth — and why he plans to extend his working years longer than he might need to. When Todd landed a six-figure income — and his financial circumstances began to change significantly — he didn't go on a spending spree. He hopes to pay off his mortgage before age 60 — his goal retirement age.

Persons: —, Todd, he'd, I'm, doesn't, he's, I've, Roth Organizations: Service, Business, Cisco, BI, New, Fed, American Express Locations: Nashville

☆ The 9 college majors that lead to the most fulfilling careers—2 pay more than $100,000
▼ + stars: | 2024-09-14 | by ( Kamaron Mcnair | In Kamaronmcnair | ) www.cnbc.com time to read: +1 min

If you want your degree to help you land a fulfilling job, consider studying music therapy. The medical and therapeutic fields are among the college majors helping graduates get jobs that make the world a better place, according to graduates surveyed in a recent Payscale report. Music therapy programs cover coursework in music, music therapy, science and psychology, according to the American Music Therapy Association. "Knowledge and skills are developed through coursework and clinical training, which cover the theory and practical application of music therapy treatment procedures and techniques," the organization states on its website. Here are the nine majors and degrees that alumni are most likely to say led to meaningful careers, according to Payscale.

Persons: Payscale Organizations: American Music Therapy Association

☆ 38-year-old grew up playing Monopoly in Nicaragua: Now she has a Yale Ph.D., 4 rental properties and $268,000 in household income
▼ + stars: | 2024-09-12 | by ( Kamaron Mcnair Valentina Duarte | Kamaron Mcnair | In Kamaronmcnair | ) www.cnbc.com time to read: +11 min

"I love how you can invest in properties, you earn money, you have to save money to wait for the best property. Though they may not have pushed Tello-Trillo into economics, her parents taught her about money from a young age. "I see money as a thing that you work really hard for, and then if you want to spend money [it's] because you really, really value something," she says. "But it has to be something that I really, really like, and it has to be something that is going to be useful either for the family or for the home." She and her husband split household expenses equally, and Tello-Trillo handles the mortgage payments for her rental properties on her own.

Persons: Cristina Tello, Trillo, that's, Sebastian, Leo, Tello, she's, Peru wouldn't, Roth Organizations: CNBC, Monopoly, Pontificia Universidad Catolica of, Tello, U.S . Census Bureau, University of Maryland, Washington , D.C, Yale University, YouTube, Leo Insurance, Netflix, Spotify, Amazon, Amazon Prime Locations: Peru, Nicaragua, Pontificia Universidad Catolica of Peru, Bethesda , Maryland, Washington ,, Rochester , New York, Tello, —, Bethesda, Rochester, Shenandoah, Northern Virginia

☆ A 30 year old with a $1 million net worth explains the 4 steps that got her there
▼ + stars: | 2024-09-12 | by ( Business Insider | Stephanie Hallett | ) www.businessinsider.com time to read: +8 min

She also traveled the world for two years and learned to make money without a day job. AdvertisementShortly after returning from Europe, Tseung began investing and using her skills to build multiple sources of passive income. She now teaches others how to manage their finances, invest, and build passive income through on her blog and her accounts on YouTube, TikTok, and Instagram. This book taught her to make money work for her instead of working for money. For me, it's to continue being impactful and building my brand, teaching people how to build passive income and become financially free.

Persons: Sharon Tseung didn't, —, Sharon Tseung, Tseung, doesn't, Timothy Ferriss, Rich Dad, Robert T, it's Organizations: Service, University of California, Business, YouTube Locations: Berkeley, Europe

☆ This college has the highest-paid graduates—it's not Harvard, Princeton or any Ivy League school
▼ + stars: | 2024-09-12 | by ( Morgan Smith | ) www.cnbc.com time to read: +1 min

College graduates on average earn more than those without a four-year degree — but where you go to school may influence your earning potential. Young women who graduated college earned $65,000, while their degreeless counterparts earned about $36,000. Its findings, published on Sept. 4, note that mid-career earnings for the same degree can vary by as much as $130,000. Former MIT attendees earn a median income of $196,900 a decade after graduating, making them the highest earners among the nearly 1,500 colleges ranked. If you want to get the most bang for your buck out of college, consider these 10 schools that yield the highest salaries for graduates, according to Payscale:

Persons: Payscale Organizations: Pew Research, Massachusetts Institute of Technology, MIT

☆ Our 2 sons moved to Europe for college. We quit our jobs and followed.
▼ + stars: | 2024-09-11 | by ( Erin Liam | ) www.businessinsider.com time to read: +6 min

Read previewThis as-told-to essay is based on a conversation with Tiffany Fite, a graduate student at Masaryk University in Brno, Czech Republic. So when it was time for my sons, now 22 and 21, to think about college, we were open to different possibilities. AdvertisementAfter high school, both sons took a gap year to decide on their paths. AdvertisementIn June 2023, my husband and I resigned from our jobs and moved to Brno. I enjoy learning as an older studentA student parade in Brno, a student city in the Czech Republic.

Persons: —, Tiffany Fite, Fite, it's, We're Organizations: Service, Masaryk University, Business, American University, University of Pécs Locations: Brno, Czech Republic, Washington ,, Prague, Hungary, Europe, Idaho, Tiffany Fite Brno, It's

☆ The 10 colleges that offer the best value without financial aid—they're all public schools
▼ + stars: | 2024-09-11 | by ( Kamaron Mcnair | In Kamaronmcnair | ) www.cnbc.com time to read: +1 min

College graduates earned a median of $60,000 in 2023, compared with $36,000 among workers with only a high school diploma, according to the New York Fed. The school offers the best value for students without financial aid, according to The Princeton Review. DON'T MISS: How to master your money and grow your wealthThese are the 10 colleges that offer the best value to students without financial aid. Tuition prices are for first-year, full-time students, according to each school. Average net prices reflect the average prices paid by students who don't receive federal financial aid after scholarships and grants, according to the latest available data from the National Center for Education Statistics.

Organizations: New York Fed, Georgia Institute of Technology, Princeton, Colleges, National Center for Education Statistics

☆ How Wall Street Giants Made Billions Preying on College Students
▼ + stars: | 2024-09-10 | by ( Ryann Liebenthal | ) www.businessinsider.com time to read: +13 min

In 1970 there had been only 18,333 students enrolled at degree-granting for-profit schools, less than a quarter of a percent of the total number of college students. In 2010, Tom Harkin, chair of the Senate's education committee, began a two-year investigation into for-profit schools. But even more shocking, federal money flowing to for-profit schools accounted for 25% of all federal student aid and 47% of eventual loan defaults. Students' money enriched every corner of the for-profit industry except one: quality of instruction. In fact, these for-profit students were actually worse off than if they hadn't gone to school at all.

Persons: Kaplan, bankrolling, —, underperformers, Ashford, Warburg Pincus, Tom Harkin, Harkin, Goldman Sachs, Goldman, Pell Grant, Ryann Liebenthal Harper, Stephanie Riegg Cellini, Cellini, Ryann Liebenthal Organizations: University of, Apollo Group, ITT Tech, Fortune, Federal Family Education, Ashford, University, company's, Ashford University, Bridgepoint Education, New, Defense Department, Bloomberg, Camp Lejeune, Ryann Liebenthal Harper Collins Publishers, Books, HarperCollins Publishers Locations: California, New York City, Bridgepoint, Pell, Vietnam, Iraq, Camp, Oakland , California

☆ After 9 rejections, she landed her dream job as a Singapore Airlines flight attendant. Six years later, she quit to open a hawker stall.
▼ + stars: | 2024-09-10 | by ( Erin Liam | ) www.businessinsider.com time to read: +8 min

But the dream of becoming a flight attendant never went away, and she continued to apply after graduation. Tan applied to be a flight attendant on Singapore Airlines 10 times. Flying began to feel mundane, and she was uncertain about the job stability and career progression of being a flight attendant, she said. As a flight attendant, Tan got around a day off after working for two or three days a week. AdvertisementNo easy business to break intoThe hawker business is challenging to succeed in.

Persons: —, Cherry Tan, Tan, Duncan Hsu, Hsu, Erin Liam, KF, Hawker, " Tan, I'm, Tan doesn't, hawkers Organizations: Service, Singapore Airlines, Singapore Institute of Technology, Business, Urban, Factory, UNESCO, Intangible, Heritage, National Environment Locations: Singapore, Taiwan, Urban Hawker, New York City, hawker, India

☆ A Gen Xer with an MBA can't get a job despite over 1,500 job applications. He said his degrees have been useless.
▼ + stars: | 2024-09-08 | by ( Noah Sheidlower | ) www.businessinsider.com time to read: +9 min

Read previewMarcial Quinones, 48, used to have few problems getting jobs in the 1990s without a high school diploma. Now, after what he estimates is over 1,500 applications since the early 2010s, he can't land any stable job in his field even with an MBA. Quinones is one of many Americans with traditional work credentials who can't land a decently paying, stable job. This comes at a time when getting a college degree is much more necessary to landing a well-paying job. He recalled walking from company to company with résumé in hand, which resulted in some job offers.

Persons: —, Marcial Quinones, Quinones, he's, " Quinones, I've, I'm, Uber, they've, He's, Tony Organizations: Service, Business, Salvation Army, Intel, BI Locations: Pennsylvania, Arizona, New Jersey, Puerto Rico

☆ A major student-loan company is once again at the center of a lawsuit blocking debt cancellation for millions of borrowers
▼ + stars: | 2024-09-08 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +7 min

Even with the financial burden his student debt has brought him, Larry said he has tried to remain optimistic about the prospect of debt relief, given President Joe Biden and Vice President Kamala Harris' actions during their term. Larry and millions of other student-loan borrowers will have to keep waiting. It's the same argument a different group of GOP states used that led the Supreme Court to strike down Biden's first attempt at broad debt relief last summer. Their arguments are based on internal documents the states obtained from the Education Department to federal student-loan servicers regarding preparation to implement its second try at broader debt relief. According to the documents, the Education Department sent a memo to MOHELA saying, "In September of 2024, the Biden-Harris Administration will launch the Federal Student Loan Debt Initiative."

Persons: missouri Larry, bachelor's, Larry —, —, Larry, Joe Biden, Kamala Harris, I've, they've, I'm, Biden, Biden's, Luke Herrine, Herrine, Harris, Sen, Bill Cassidy, MOHELA, he's Organizations: Service, Business, Higher, University of Alabama, GOP, Department of Education, Education Department, Biden, Harris Administration, Federal, Loan, Initiative, Department, Republican Locations: missouri, Georgia's, Missouri, Missouri , Georgia, Alabama , Arkansas, Florida, North Dakota, Ohio

☆ Sick of the grind, he ditched the city to live in a tiny house in the woods. Now, he estimates he gets by on $750 a month.
▼ + stars: | 2024-09-06 | by ( Amanda Goh | ) www.businessinsider.com time to read: +12 min

Anders Boisen. Anders Boisen. AdvertisementDuring the pandemic, he quit his job in order to focus on building his tiny house. Anders Boisen. He had already been building a tiny house on the side, and he decided to focus on the project full-time.

Persons: —, Anders Boisen, he's, Boisen, It's, I'm, isn't, I've Organizations: Service, Business Communication, Business Locations: Denmark, Danish, English, Aarhus, There's, homeownership, Boisen

☆ I grew up in Connecticut and moved to Europe for college. I never intended for the move to be permanent.
▼ + stars: | 2024-08-27 | by ( Erin Liam | ) www.businessinsider.com time to read: +6 min

Liza Jean MiezejeskiBefore moving to Europe, I didn't realize how much of my thinking about the world was from a US-centric perspective. Liza Jean MiezejeskiI had originally intended to complete the three-year college program in Prague and then return to the US. In January, I founded Skola, a startup that supports US students planning to relocate to Europe for college. I also started a TikTok account where I create content about moving abroad and international studies. When I started my bachelor's in Prague, tuition fees cost around $6,500 a year, although the fees have increased since.

Persons: —, Liza Jean Miezejeski, Miezejeski, Europe Miezejeski, It's Organizations: Service, Business, American University, Europe, Society, Digital Media, Communication, Free University of Brussels, Miezejeski, University of Connecticut Locations: Europe, Connecticut, Germany, Prague, Boston , New York, New England, Czech Republic, Malaysia, Brussels, Belgian, Belgium, Brussels longterm

☆ I'm a millennial mom of 3, and I rely on my mom's financial assistance
▼ + stars: | 2024-08-24 | by ( Alyse Benoit | ) www.businessinsider.com time to read: +6 min

Without a doubt, my mom expected to be free of dependents decades ago. But here I am, 39, unable to save a cent, in need of her financial support. I was otherwise financially independent, worked three jobs, had a good chunk of money saved, and my life was planned out. Not only was I feeling the effects of financial strain from the cost of school, but physical, mental, and ethical exhaustion had taken hold. She loaned me money to pay off that debt and told me I could pay my rent when I received my next student loan payment.

Persons: stepdad, —, I've Organizations: Service Locations: midlife

☆ A Google Cloud architect shares the résumé that helped her land the job — and how she prepared for its tough interviews
▼ + stars: | 2024-08-09 | by ( Jyoti Mann | ) www.businessinsider.com time to read: +5 min

That experience with a cloud migration project Sadhwani worked on during her first internship helped her land her first job as a DevOps engineer at Brightspot. After gaining experience in the field for a year and a half, she landed a cloud engineer role at Amazon Web Services (AWS), which she described as a "pivotal moment" in her career. After two years at AWS, a Google Cloud recruiter contacted Sadhwani, who then embarked on its comprehensive interview process. Define your goals and personal brandThe Big Tech job market is competitive, and building a personal brand is important. For Sadhwani, exploring Google Cloud led her to find the perfect role.

Persons: —, Sadhwani, She'd, she's Organizations: Service, University of Maryland, Business, Amazon Web Services, Google, Big Tech

☆ A Gen Xer shares why going back to college after dropping out was the best decision he ever made
▼ + stars: | 2024-08-08 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +7 min

Read previewDavid Houde feels like he's made it — and he thinks it wouldn't have been possible without his college degree. By 2006, he'd earned an associate degree in computer information systems and a bachelor's degree in computer science. A college degree helped him eventually land a high salaryWhen he first enrolled in college, Houde didn't have any idea what he would major in. In 2016, about a decade after he graduated with his bachelor's degree, he decided to pursue an MBA. Have you found financial success without a college degree?

Persons: —, David Houde, he's, it's, Houde, he'd, wasn't, I'm, hasn't Organizations: Service, Business, Pew Research Locations: Michigan, eureka

☆ A guaranteed basic income program helped a millennial afford a crib for her newborn when her income dipped during maternity leave
▼ + stars: | 2024-08-08 | by ( Allie Kelly | ) www.businessinsider.com time to read: +7 min

Related storiesRaising children — especially an infant — is expensive, and Lopez's income dipped during her maternity leave by about 70%. AdvertisementRxKids is one of over 100 guaranteed basic income programs that have been launched across the US. But, during maternity leave, Lopez said her monthly paycheck was reduced to around $600 due to her employer's limited parental leave policy. She didn't expect to be a guaranteed basic income participant, she said, but it came at just the right time for her family. Have you benefitted from a guaranteed basic income program?

Persons: —, Tatiana, Matteo, Lopez, It's, Luke Shaefer, RxKids, Tatiana Lopez, Michigan's, Mona Hanna, Tatiana Lopez GBI, paychecks, She's, Shaefer Organizations: Service, Business, Flint, Assistance, — Locations: Flint , Michigan, Flint

☆ I moved from the US to Germany for college. Tuition is mostly free, but I miss the American school spirit.
▼ + stars: | 2024-08-06 | by ( Erin Liam | ) www.businessinsider.com time to read: +5 min

Read previewThis as-told-to essay is based on a conversation with Amanda Mrokez, an American student in Cologne, Germany. In 2021, I withdrew from Central Michigan University and moved to Germany to pursue a teaching degree at the University of Cologne. AdvertisementGermany is lacking school cultureParticipating in school culture was a big thing for me when I was in Michigan. My closet was full of Central Michigan University apparel, and everyone thought it was cool to wear hats and sweatshirts on campus. In Germany, students learn what they must study and what's best for them.

Persons: —, Amanda Mrokez, it's, Erin, eliam@businessinsider.com Organizations: Service, Central Michigan University, University of Cologne, Business Locations: American, Cologne, Germany, Michigan

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