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Search resuls for: "Veronica Dagher"


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☆ How to Negotiate a Better College Financial-Aid Package
  + stars: | 2023-04-23 | by ( Veronica Dagher | Oyin Adedoyin | ) www.wsj.com   time to read: 1 min
Recently accepted to college? Now is the time to ask for more financial aid. Many schools require prospective students to make enrollment decisions by May 1. Financial advisers say this window is a good time to negotiate financial-aid packages, since some colleges don’t know how many accepted students will actually attend until then.
☆ Here’s What Retirement Looks Like in America in Six Charts
  + stars: | 2023-03-31 | by ( Veronica Dagher | Anne Tergesen | Rosie Ettenheim | ) www.wsj.com   time to read: 1 min
By 2030, more than one in five Americans will be over age 65By 2030, more than one in five Americans will be over age 65By 2030, more than one in five Americans will be over age 65By 2030, more than one in five Americans will be over age 65By 2030, more than one in five Americans will be over age 65Americans spend decades saving for retirement, never quite sure how much is enough or what sort of life that money will ultimately buy. Some aim to build nest eggs of $1 million, $2 million or more, though the majority of people have far less than that to work with. The recent bout of high inflation and market turmoil have added more anxiety to the challenge of making that money last.
☆ Here’s What Retirement With Less Than $1 Million Looks Like in America
  + stars: | 2023-03-24 | by ( Veronica Dagher | Anne Tergesen | ) www.wsj.com   time to read: 1 min
Many Americans dream of saving $1 million for retirement. Most fall far short of that. The typical family’s 401(k) and IRA-type accounts come to less than half that goal in the years approaching retirement age, according to the nonprofit Employee Benefit Research Institute. Total household balances in retirement accounts for those 55 to 64 years old are $413,814 on average, according to its estimates based on 2019 data, the most recent available.
☆ Home Buyers’ Big Ask: The Deal Is Off if I Lose My Job
  + stars: | 2023-03-17 | by ( Veronica Dagher | ) www.wsj.com   time to read: 1 min
More home buyers are putting an unusual escape clause into their contracts: If they lose their job before closing, they can back out of the deal. Known as an employment contingency, these provisions appeal to tech and finance workers rattled by recent waves of layoffs, real-estate agents and lawyers said. Fears over a recession and the fallout in the tech and banking sectors following the failure of Silicon Valley Bank, may only increase their popularity this home-buying season, they said. Like any contingency, this clause will weaken your offer in some competitive markets even if it helps settle your fears.
☆ Fear of Layoffs Is Changing How People Buy Homes
  + stars: | 2023-03-17 | by ( Veronica Dagher | ) www.wsj.com   time to read: 1 min
Employment contingencies appeal to tech and finance workers rattled by recent waves of layoffs. More home buyers are putting an unusual escape clause into their contracts: If they lose their job before closing, they can back out of the deal. Known as an employment contingency, these provisions appeal to tech and finance workers rattled by recent waves of layoffs, real-estate agents and lawyers said. Fears over a recession and the fallout in the tech and banking sectors following the failure of Silicon Valley Bank, may only increase their popularity this home-buying season, they said. Like any contingency, this clause will weaken your offer in some competitive markets even if it helps settle your fears.
☆ How to Land a House This Spring Selling Season
  + stars: | 2023-03-06 | by ( Veronica Dagher | Illustrated Siemond Chan | ) www.wsj.com   time to read: 1 min
Bidding wars for homes are becoming less common, and homes are staying on the market longer, agents say. There is also less competition, with investors buying fewer homes last quarter than they have in years. But affordability and inventory remain an issue. Here are four ways buyers can boost their odds of getting a house this spring.
☆ A Small Rise in Your Credit Score Can Mean Hefty Mortgage Savings
  + stars: | 2023-03-05 | by ( Veronica Dagher | ) www.wsj.com   time to read: 1 min
A small boost to your credit score can make a big impact on the cost of buying a home. Rising mortgage rates and still-high home prices are the key factors in the cost of a home, but beyond a homebuyer’s control. Raising your credit scores in the weeks and months before applying for a mortgage is the most tangible way to reduce costs if you’re in the market to buy a home now, financial advisers said. A difference of a few points can sometimes mean lower mortgage rates that save buyers thousands of dollars over time.
☆ Is Now a Good Time to Sell Your Home?
  + stars: | 2023-02-26 | by ( Veronica Dagher | ) www.wsj.com   time to read: 1 min
If you are serious about selling your home now, don’t get greedy with the asking price. This is still a seller’s home market as there simply aren’t enough affordable homes for sale in many parts of the country.
☆ The Outlook for Home Buyers This Spring: Not Terrible
  + stars: | 2023-02-15 | by ( Veronica Dagher | ) www.wsj.com   time to read: 1 min
The cutthroat pandemic-fueled home-buying frenzy is over, but hopeful home buyers shouldn’t expect an easy process this spring. Working against buyers is a continued affordability crunch given the median single-family existing-home price rose 4% in the past year to $378,700, according to the National Association of Realtors. Mortgage rates are hovering above 6%, with more rate increases to come. In addition, inventory levels remain low since about 70% of homeowners have a locked-in lower mortgage rate.
☆ How Buyers Can Up Their Chances in a Thawing Housing Market This Spring
  + stars: | 2023-02-15 | by ( Veronica Dagher | ) www.wsj.com   time to read: 1 min
The pandemic-fueled home-buying frenzy is over, but hopeful home buyers shouldn’t expect an easy process this spring. Working against buyers is a continued affordability crunch given the median single-family existing-home price rose 4% in the past year to $378,700, according to the National Association of Realtors. Mortgage rates are hovering above 6%, with more rate increases to come. In addition, inventory levels remain low since about 70% of homeowners have a locked-in lower mortgage rate.
☆ Property Taxes Are Going Up; Here’s How to Lower Your Bill
  + stars: | 2023-02-05 | by ( Veronica Dagher | ) www.wsj.com   time to read: 1 min
The cost of homeownership will rise for millions of Americans in coming weeks as new property-tax assessments arrive in the mail. Property taxes have risen across much of the country in recent years. In the most recent data available, the median tax bill increased more than 8% to $2,795 per homeowner in 2021 compared with 2019, said David Logan , senior economist at the National Association of Home Builders.
☆ If You Want to Sell a Home, Put Gas Stove in the Listing
  + stars: | 2023-01-23 | by ( Veronica Dagher | ) www.wsj.com   time to read: 1 min
On the question of which type of stove is best for your open house, real-estate agents say there is a clear winner: Gas fuels home sales. Home buyers prefer gas ranges because they say food cooked over flames heats more evenly and tastes better than when done on a traditional electric stove, said Damien Rance , a Realtor in Weehawken, N.J. A gas range may slightly boost a home’s value, especially if the stove’s overhead exhaust vents, said Realtors from across the country.
☆ Gas Stoves Sell Homes, Realtors Say
  + stars: | 2023-01-23 | by ( Veronica Dagher | ) www.wsj.com   time to read: 1 min
On the question of which type of stove is best for your open house, Realtors say there is a clear winner: Gas fuels home sales. Home buyers prefer gas ranges because they say food cooked over flames heats more evenly and tastes better than when done on a traditional electric stove, said Damien Rance , a Realtor in Weehawken, N.J. A gas range may slightly boost a home’s value, especially if the stove’s overhead exhaust vents, said Realtors from across the country.
☆ How to Make Education an Investment After College
  + stars: | 2022-12-30 | by ( Veronica Dagher | ) www.wsj.com   time to read: 1 min
Investing in learning as you age is a strategy to stay healthy and happy. To stay mentally sharp as you age, make sure to continue dedicated learning well beyond your college years. In one example of the importance of dedicated learning, more than six million Americans are currently living with Alzheimer’s disease and dementia. Researchers have found about 40% of Alzheimer’s is preventable. Strategies to ward off dementia include getting more sleep, exercising and eating a healthy diet to maintain brain health, said Rudolph Tanzi , a Harvard Medical School professor of neurology and co-author of “The Healing Self.”
☆ Here’s What a $1 Million Retirement Looks Like in America
  + stars: | 2022-12-27 | by ( Anne Tergesen | Veronica Dagher | ) www.wsj.com   time to read: 1 min
Once a symbol of extravagant wealth, $1 million is now the retirement-savings goal for millions of Americans. For retirees able to accumulate $1 million in savings, the funds translate into inflation-adjusted income of $40,000 in the first year of a three-decade retirement using the 4% spending rule. With the addition of the average annual Social Security payment for retirees of about $20,000, a $1 million nest egg can replace about 85% of a $70,000 median household income.
☆ Six Ways to Protect Your Money in 2023
  + stars: | 2022-12-23 | by ( Imani Moise | Joe Pinsker | Ashlea Ebeling | ) www.wsj.com   time to read: 1 min
The highest inflation in four decades. A bear market in stocks. The past year was a trying one for American households. It strained their budgets, reduced their spending power and clobbered their 401(k) balances. Despite a recent burst of positive news—moderating gas prices and a slowing pace of inflation—many believe the economy will be in worse shape in 2023 than it is now.
☆ For Landlords, Rising Housing Costs Make It Harder to Earn Passive Income
  + stars: | 2022-12-19 | by ( Veronica Dagher | ) www.wsj.com   time to read: 1 min
Many Americans dream the path to building wealth is like a trip around the Monopoly board, buying up properties that generate rental income. That can be true, but financial advisers warn the costs and aggravations of playing the landlord game are increasing. People thinking about becoming landlords might have a tougher time turning a profit after a year marked by higher home prices and mortgage rates. Rents are up too, but because of inflation so are the costs of repairs and routine home maintenance.
☆ Four Ways to Save Money on Home Insurance as Rates Rise
  + stars: | 2022-12-02 | by ( Veronica Dagher | ) www.wsj.com   time to read: 1 min
Homeowners had to shell out more money for mortgage payments, routine maintenance and heating costs this year as quickening inflation and rising interest rates strained monthly budgets. One more bigger bill to add to that list: home insurance. Home insurance premium rates rose 9.3% from Jan. 1, 2021, through Nov. 25 on average nationwide, according to S&P Global Market Intelligence data. The Insurance Information Institute, an industry trade group, also known as Triple-I, said premiums are likely to rise further in 2023.
☆ Some Home Buyers Could Soon Get a $1 Million Mortgage With a 3% Down Payment
  + stars: | 2022-12-01 | by ( Veronica Dagher | ) www.wsj.com   time to read: 1 min
To qualify for a $1 million mortgage, Americans typically have to make a down payment of at least 20% of the home’s price. Starting next year, some buyers could put as little as 3% down. The cap for home loans backed by Fannie Mae and Freddie Mac rises to $1,089,300 next year in a few expensive markets including Los Angeles and New York, up from $970,800, the Federal Housing Finance Agency, or FHFA, said Tuesday. The higher limit means borrowers can qualify for bigger loans without needing to take out jumbo mortgages, which aren’t federally backed and have more-stringent requirements for income, credit and down payments.
☆ Home Buyers Could Soon Get $1 Million Mortgage With 3% Down Payment
  + stars: | 2022-12-01 | by ( Veronica Dagher | ) www.wsj.com   time to read: 1 min
To qualify for a $1 million mortgage, Americans typically have to make a down payment of at least 20% of the home’s price. Starting next year, some buyers could put as little as 3% down. The cap for home loans backed by Fannie Mae and Freddie Mac rises to $1,089,300 next year in a few expensive markets including Los Angeles and New York, up from $970,800, the Federal Housing Finance Agency, or FHFA, said Tuesday. The higher limit means borrowers can qualify for bigger loans without needing to take out jumbo mortgages, which aren’t federally backed and have more-stringent requirements for income, credit and down payments.
☆ More Americans Tap Home Equity for Financial Safety Net
  + stars: | 2022-11-16 | by ( Veronica Dagher | ) www.wsj.com   time to read: 1 min
As high interest rates drive up the cost of borrowing money, more people are tapping the equity in their homes. Americans took out $66 billion in home-equity lines of credit, or HELOCs, in the second quarter, a 40% increase from a year ago and the largest amount in almost three years, according to data from real-estate analytics firm Attom Data Solutions. These accounts, which allow homeowners to borrow against the value of their house, are making a comeback as higher rates make it less favorable to refinance a mortgage.
☆ More Homeowners Using Helocs as Financial Safety Net
  + stars: | 2022-11-16 | by ( Veronica Dagher | ) www.wsj.com   time to read: 1 min
As high interest rates drive up the cost of borrowing money, more people are tapping the equity in their homes. Americans took out $66 billion in home-equity lines of credit, or Helocs, in the second quarter, a 40% increase from a year ago and the largest amount in almost three years, according to data from real-estate analytics firm Attom Data Solutions. These accounts, which allow homeowners to borrow against the value of their house, are making a comeback as higher rates make it less favorable to refinance a mortgage.
☆ Amicable Divorce? Not in This Market
  + stars: | 2022-11-10 | by ( Veronica Dagher | ) www.wsj.com   time to read: 1 min
Few life events are more emotionally and financially taxing than divorce. Inflation is making it even worse. Increases in alimony and child-support payments tend to be tied to the consumer-price index, a measure of what consumers pay for goods and services that has grown at the fastest rate in four decades. Disputes over who gets to keep the house became more contentious when mortgage rates doubled this year as a result of the Federal Reserve’s efforts to stamp out inflation, divorce lawyers said. And the market downturn, which followed the Fed’s rate increases, left already stressed couples fighting over shrinking 401(k)s and other investments.
☆ Divorce Is Already Miserable and Expensive. Inflation Is Making It Worse.
  + stars: | 2022-11-09 | by ( Veronica Dagher | ) www.wsj.com   time to read: 1 min
Few life events are more emotionally and financially taxing than divorce. Inflation is making it even worse. Increases in alimony and child-support payments tend to be tied to the consumer-price index, a measure of what consumers pay for goods and services that has grown at the fastest rate in four decades. Disputes over who gets to keep the house became more contentious when mortgage rates doubled this year as a result of the Federal Reserve’s efforts to stamp out inflation, divorce lawyers said. And the market downturn, which followed the Fed’s rate increases, left already stressed couples fighting over shrinking 401(k)s and other investments.
☆ Here’s What a $2 Million Retirement Looks Like in America
  + stars: | 2022-11-03 | by ( Veronica Dagher | Anne Tergesen | ) www.wsj.com   time to read: 1 min
For many Americans, retirement advice is limited to encouragement to save more or warnings that they haven’t saved enough. But most people get little guidance or give little thought to what to do with all those savings once they reach this next chapter. Whether they are decades, years, or months from retirement, it can be hard to imagine the life that 401(k) ultimately buys. And it is incredibly difficult to erase the anxiety about whether you are spending too much each year.
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