Pre-Qualification Is Just The First Step In Getting A 1099 Home Loan
Working as an independent contractor can be very rewarding and you may also be bringing in an impressive income. But if you are self-employed, you might find it difficult to obtain a mortgage even if you can easily afford the mortgage payments. However, given the rise in the number of independent contractors, some banks are choosing to offer loans tailored to meet the needs of self-employed workers. The easiest way to get started is with a prequalification.
What Can Be Used As Collateral For A Bail Bond?
Do you need to help someone get a bail bond so that they can be released from jail? If so, know that the bail bondsman is likely going to ask for collateral to secure the bail bond. Here are some of the things that you can use for collateral. Real Estate If you own property, know that the deed can be used as collateral. It doesn’t necessarily have to be a home either, since it is the value of the property that the bail bondsman is concerned about.
The Top 3 Benefits Of Choosing An Instant Payday Loan
If you find yourself in need of a short-term loan, you will want to consider an instant payday loan for your borrowing needs. This is because these direct deposit loans offer a variety of benefits when compared to other options such as credit card cash advances and traditional personal loans. You can learn more about three of these benefits below so that you can better understand why an instant payday loan is often the best option available.
What Buyers Should Know About Fix And Flip Loans
Fix and flip loans represent another set of financial instruments for folks who want to invest in real estate. They operate a lot less like mortgages and a bit more like construction loans. However, there are some notable differences, and you should know about these 5 major ones. Term Typically, fix and flip loans are for medium terms. Your loan won’t be as short as some construction loans, which may be done in a term of months rather than years.
The Pros And Cons Of Using A Mortgage Broker
As with all products and services, there are both pros and cons associated with using a mortgage broker. Taking the time to carefully consider both these pros and cons is the best way to determine if these services are right for you. Continue reading to learn more about some of the pros and cons you can expect to experience when using the services of a mortgage broker. The Pros There are several advantages that come with using the services of a mortgage broker.
Get Your Home Equity Loan Approved Quicker: Easy Tips to Follow
When you’re in the market for a home equity loan, you may have concerns about whether or not your application will be approved. Fortunately, there are several things you can do to help improve your chances of getting the green light from your lender. Here are a few tips to help get your home equity loan approved quicker. Check Your Credit Score and Fix Any Errors A credit score is a number that lenders use to determine your creditworthiness.
2 Tips to Minimize Unpleasant Surprises When Buying Your First Home
There are a lot of steps involved in purchasing a home, so it’s not surprising that sometimes unexpected problems crop up at the worst times. While you can’t account for every possible thing that may go wrong, here are two things you can do to minimize major issues that could stop the homebuying process in its tracks. Get Pre-Approved by a Second Lender It’s easy to think once you receive a preapproval letter from your lender of choice that the funds will be available when you need them, but that’s not always the case.
What To Consider When Refinancing Your Home
Think that you want to refinance your home, but have never done it before? It may help to know the following things to help ensure that the process goes as smoothly as possible. Your Credit Score Will Be Pulled Again You may have had a great credit score when you originally got a mortgage for your home, which resulted in a low-interest rate. However, you will have your credit score pulled again when refinancing your home.
4 Common Types of Crime That Might Need Bail Bonds Service
You have never been in jail before, but now you have been charged with a serious crime—one that carries a harsh punishment, including imprisonment. Thankfully, you can still clear your name and get past this difficult period in your life. However, you need to get out of jail fast and gather strong evidence to prove you are innocent. This is where a bails bond agent comes ins. They can bail you out of jail so that you can work on your defense.
Why 24/7 Bail Bond Services Are Important To Families
If you are planning to pay for a bail bond to get a family member out of jail, using a 24-7 bond services is a good idea. They offer a lot of advantages that you’ll want to utilize to make this stressful situation less chaotic moving forward. Quickly Process Bond If you used just a standard bail bond agency that had normal hours during the day, then you may have a little bit of a wait if you find out that your loved one has been jailed at night.
The Benefits Of Pawn Shop Loans
Pawn shops are available in most localities, and they let you borrow money against a valuable collateral item. Unlike other lenders, one takes the collateral to the pawn shop, where it is retained until they pay their loan. The amount borrowed from a pawn shop is repaid with interest. So, what makes pawn shop loans attractive to borrowers? No Credit Check The foremost advantage of borrowing funds from a pawn shop is the lack of credit checks.
Top Things To Keep In Mind When Considering Home Loans For Disabled Adult Children
Do you have a loved one who is a disabled adult and wants more independence or privacy? This is something that many parents and guardians of special needs adult children encounter. Perhaps you have considered apartment rentals or assisted living options. You do not have to be limited to those options. It is possible for disabled individuals to become homeowners. There are mortgage loan programs specifically designed for individuals with disabilities.
How Bail Bond Amounts Are Determined
If you get in trouble for a finger printable charge, the officer will need to take you to jail for a formal booking. You might be given a bond amount after processing. However, some charges require a formal bond hearing. The hearings occur in person or via CCTV. Judges can use a number of factors when deciding whether or not to grant an individual a bond. They can use the same criteria to set a bond amount or show leniency and allow for a recognizance bond.
How To Get Your First Home Loan
Getting a home loan is not always a simple task, especially when you have never had a loan before. If you want to get your first home loan, it might take some work and research. As you start working on buying your first house, here is an explanation of how to get your first home loan. Learn the Basic Requirements for Home Loans Before you apply for a loan, you might want to take some time to learn the basic requirements for home loans.
4 Things All First-Time Homebuyers Should Understand
During your lifetime, you might purchase several different homes, but you always begin with your first house. Your first house purchase might be the most difficult home purchase you ever make, but it might help if you hire a first-time homebuyer specialist. Specialists like this help people purchase their first properties. Here are four vital things for firs-time home buyers. 1. Getting Preapproved Is Essential One thing you might not realize when buying your first home is that you must get preapproved.
5 Benefits Of A Free Checking Account
Have you ever thought about getting a free checking account? The days when you had to spend a lot of money to acquire a checking account are long gone. You can now go online and sign-up for a checking account with a bank or credit union free of charge. Apart from ease of acquisition, these accounts come with several benefits, including the following: Lower User Fees Since the account is free, you won’t have to pay maintenance fees.
Risks Associated With Using Collateral To Bail Someone Out Of Jail
One way to bail someone out of jail is to use a bail bonds company and to use collateral to secure the bail bond. This is a form of property that is used to secure the bond. If the individual you are bailing out of jail does not show up to court, you may forfeit the collateral and you may owe additional fees. Therefore, you will want to carefully choose the form of collateral you use.
About Fixed Rate Mortgage Loans
Some people are fortunate enough to have enough money saved up to pay full price for a house upfront when they are ready to purchase one. However, even if someone is able to pay the full price upfront, they still rely on loans as a way to keep more of their money in the bank. There are also people who would like to buy a house but can only do it with careful consideration due to their overall budget.
3 Smart Reasons To Refinance
When you take out a home loan, you probably don’t imagine you will be reworking your loan down the road. However, there are lots of valid reasons to rework your mortgage and go through the refinancing process. Reason #1: Lower Your Interest Rate Interest rates can change a lot over time. Interest rates are based in part on your personal credit score, and they are also based on what is happening with the broader housing market at the time.
Practical Options For Affordable Construction Equipment Financing
The machinery and tools that your company has on hand can make a big impact on what kinds of jobs you can bid on and accept. You want to be able to bid and take on plenty of projects throughout the year and turn a profit. However, if you lack certain machines and tools, you need to find a way to purchase them without sacrificing your cash flow. You can use several practical options for cost-effective construction equipment financing.
Ways To Approach A Loan With Bad Credit
Getting a loan approved with bad credit may seem difficult. You might think lenders won’t accept you because of the financial mistakes you made in the past. Well, you can keep these issues in the rearview mirror and still get a loan with bad credit by doing these things. Deal With Collections Even if you don’t plan on paying off all the debt you owe that may be impacting your credit and subsequently causing you to stress about getting a loan, you should still deal with any debt that has been sent to collections.
How To Consolidate Your Debt Through A Personal Loan
You can look at debt consolidation programs and find many options. Each option provides a way to lump your debts into one, and the purpose is to help you pay them off. If you do not want to hire a company to handle your debt consolidation, you could do it yourself through a personal loan. If you are interested in this, here are some basic things to know to help you do it.
3 Options for Getting a Loan With Poor or No Credit
Loan options are limited if you don’t have good credit or a long credit history. However, there are still many different ways to qualify for a loan. Expanding your search to credit unions and peer-to-peer networks, as well as taking advantage of secured loans, can help you qualify for more loans at better interest rates. 1. Credit Unions Credit unions offer a variety of loans at competitive rates, so it’s worth seeing what they have to offer.
Two Consequences Of Bail Jumping
Most people know that if they fail to appear for their court appointments after being bailed out of jail—also known as bail jumping—they will be arrested on the spot when they’re found. However, here are two other consequences you may suffer if you don’t show up to court as required. Your License May Be Suspended Any driving license you have may be suspended or revoked, depending on the state where you live and other details of your case.
3 Things To Know Before Getting A Reverse Mortgage
If you are a senior and need some cash, you can evaluate reverse mortgages. A reverse mortgage is not a loan that everyone can get, but it can be helpful for those who qualify. If you are interested in getting one, you might want to know the following three things before applying. If You Qualify for One A reverse mortgage lets you borrow money against your home, but you should only apply for one if you meet the eligibility requirements.
How To Find The Right Mortgage
Shopping for home loans, unfortunately, isn’t nearly as fun as looking for a deal on that new smartphone or pair of shoes you really want. But, as with the bargain hunting you do for everyday items, you’ve got to put some time and effort into decoding the world of home mortgages to find the right loan. Before you decide on your home mortgage, here’s what to do. Determine What You Can Afford
Why Some Banks Provide Free Checking Accounts To Borrowers
If you are ready to get a mortgage loan to buy a house and decide to use a new bank for the loan, the bank might offer you a free checking account. While you may not have to open a checking account with the bank, it might be helpful if you do. Checking accounts often offer perks, and getting a free one might help you save money in the long run.
4 Essential Things To Know About The Role Of A Mortgage Broker When Buying A House
When you need a mortgage loan to buy a house, you can turn to a lender or a broker for help. Both options help people find mortgages, but you may have some advantages by choosing a broker. If you do not understand the role of a broker, here are four things you should know as you prepare to find the right mortgage for your needs. A Broker Is a Middleman
Loan and Buying Tips For First-Time Homeowners
Moving into a new house that isn’t under the rules of a landlord is exciting, whether you are a first-time buyer or working on owning your second home. However, buying a home for the first time can be complicated if you need a loan and have no idea what it takes to get approved for one. The inability to meet the common approval requirement of most home lenders will likely lead to you putting in numerous applications that get denied.
Bail Enforcement: Two Sides Of This Coin
Bail enforcement typically means being a bounty hunter and tracking down people who have jumped bail. However, there is another side to bail enforcement. Both sides of this same coin are discussed below. The Commonly Known Side of Bail Enforcement When a person out on bail does not make his/her required court appearances and actually leaves town to run and hide, that puts the bail bondsman in a lurch. The bail agent acts as the person who reassures that the person out on bail will make an appearance in court.
5 Benefits Of Using A VA Mortgage Loan To Finance A Home Purchase
Homeownership is a dream that most families have, but purchasing a home can be difficult. Few people have enough liquid assets to purchase a home with cash, and with the prices of homes going up, many people find it challenging to save up enough money for a down payment for a conventional mortgage loan. Luckily, active duty military and veterans have loan options that make it easier to obtain a mortgage loan in order to fulfill the dream of owning a home.
What You Need To Know About Financing Construction Equipment For Your Business
If you own a construction business and you are in need of new construction equipment, you might be thinking about financing what you need. However, before you put pen to paper and sign for the loan, you will want to take a little time to consider the following points. This is not to say that financing your construction equipment is the wrong thing to do, but you will want to be as cautious as possible so you are not setting yourself up for trouble.
Think About Going With A Wholesale Mortgage
If you are going to buy a new house, you are going to need to get a mortgage. There are a lot of ways that you can get it, you can go to your bank or credit union, you can go to a mortgage company or you can get a wholesale mortgage. Not everyone knows what a wholesale mortgage is, or why they can be a good idea for someone to use.
3 Tips For Getting The Best Auto Title Loan
An auto title loan is not a loan for a vehicle. An auto title loan is a loan where you are able to use your vehicle as collateral for your loan. That means if you don’t pay your loan, the lender can then take your car to satisfy your loan if you are unable to pay off your loan. When you apply for an auto title loan, you can work with the lender to get the best possible auto loan.
The Information You Need To Know When Calling A Bail Bondsman Company
When someone you know is arrested and you are tasked with getting them out of jail, you need to contact a bail bondsman service. This is the type of business that can help you get your loved one out of prison in a timely manner. When you call the bail bonds company, there is some information you need to have ready to provide them with to have them facilitate the process.
Applying For A Home Loan? 3 Considerations To Help You Choose The Right One
Even though television and social media marketing suggests that applying for a home loan is a simple, painless process, mortgage applicants should still make sure that they have a good understanding of all the terms and information before they begin. While home mortgage interest rates remain very affordable in general, it is still critically important to understand how various home loan types differ in order to choose the one that will best fit the needs of the applicant.
Tips for Getting the Best Mortgage to Meet Your Home Buying Needs
Buying a house is both very expensive and very stressful. Typically, mixing these two things together leads to bad financial decisions and overspending. This is a problem because simply shopping around for something like a better mortgage could result in a savings of thousands of dollars over the length of time you stay in your new home. Listed below are some tips to ensure you get the absolute best deal on the most appropriate mortgage for your family’s new house:
Tips For Finding The Money To Repair Your Car
Repairing a vehicle can cost a lot of money and if you do not have that kind of money just sitting around in a savings account, you need to find a way to pay for it. After all, you need your car to get to work, take the kids to school, go to the doctors, and even just to go get some food for the house. The sooner you get your car fixed, the easier life can be.
What to Know as a First-Time Home Buyer
Buying your first home can be very exciting. Of course, your main concern will likely be finding a home that suits your needs and that is also in a desirable location. However, as a first-time home buyer, there are a lot of things to keep in mind. Buying a home is a major financial decision, and even just a couple of missteps can spell out major financial trouble. If you are taking out a mortgage, there are a lot of factors to keep in mind.
3 Instrumental Tips to Consider When Securing Your First Mortgage
One of the biggest decisions you’ll make in life is the first home you purchase. Unless you can pay for it with cash outright—which is unlikely—you’ll need to secure a mortgage. You can make sure this process goes smoothly by remembering these tips. Check Credit Score The interest rate is an important figure to pay attention to regarding your home’s mortgage, as it will determine how much money you have to pay back.
Three Important Questions To Ask Before Hiring A Bail Bond Agent
If your loved one has been arrested, you may be looking to get your loved one out of jail as quickly as possible. In your rush, you may look to use the first bail bonds agent or company you come across to post bail for your loved one. However, before you use the first agent you find, take the time to ask a few important questions. This will help to ensure that the bail bond agent or bail bond agent services that you use is the best one for your loved one.
3 Tips To Help You Make Money Fast
Even when you try to be smart with your money, sometimes unforeseen circumstances can creep up on you. You never know when your car will break down or if you’ll have an expensive medical emergency. Here are three ways you can get money fast. 1. Ask to borrow money. If possible, ask someone you trust if you can borrow money to deal with your emergency. A friend or family member may be willing to lend you money to get you through a rough patch.
Get Your Credit Score Up To Par: How To Get This Done
Part of getting a home loan is getting a good interest rate. Without a good interest rate, you may be shelling out too much money in interest payments alone, and could also have a problem being able to afford your monthly mortgage payment. With a lower interest rate, your payment will be less, which will make your dream home more affordable. To help get you that lower interest rate, you’ll need a better credit score.
4 Things You Need To Understand About Bail & Bail Bonds
If a loved one finds themselves behind bars, you may find yourself heading to a local bail bond agent for assistance. You can get better service if you have a basic understanding of how a bond works and the role a bail bond agent plays. #1 Bail is Collateral When you put up bail for someone, you are essentially putting up collateral for that person. This is collateral that the person who is in jail would not want to lose out on.
Three Things You Should Know About Bail Bonds
Most people who are arrested and charged with a felony will have to post a bond to get out of jail. While just signing a paper promising to not leave the jurisdiction and come back for your court date is good enough for a misdemeanor, a judge rarely does that for major infractions. If you’re not guilty as charged, this won’t seem fair, but that’s the way it works in American jurisprudence.
Better Your Odds Of A Mortgage Loan Approval With These Tips
If you have come to the conclusion that you want to purchase a new home for yourself in the near future, you will need to start thinking about preparing yourself for the mortgage loan application process. Unless you have the financial means to pay for the price of the home, as well as the closing costs, in cash, you will need one of the mortgage loans out there. To help you better your odds of receiving an approval, you will want to make use of the upcoming tips.
Tips For Securing A Small Business Loan With Collateral
Running a small business can be very exciting and lucrative, but no matter how successful a small business may be, there are often times when the company needs additional capital in order to expand. When this time comes, most small business owners look into obtaining a loan. Many financial institutions practice asset-based lending when issuing loans to small businesses, meaning that the business must provide collateral to secure the loan. If you’re a small business owner thinking about using collateral to secure a small business loan, use the following tips.
Applying For Your First Home Loan Mortgage: 3 Important Steps To Get You Where You Need To Be
Being approved for your first home would be a dream come true - the American Dream - and it may not be as far out of reach as you think. Even when you’re young and (seemingly, or in the eyes of a lender) inexperienced, if you can demonstrate on paper that you are responsible and able to pay, what’s to stop you from achieving that dream? 1. Start Saving For A Down Payment Now
How A Little Cleanup Can Affect The Value Of Your Pawned Item
When you’re strapped for cash and you have a few odd items around the house that you don’t need, the first thing that may come to mind is to head over to the nearest pawn shop. However, before you jump into your car to go and trade in your item, you may want to take a few moments to spruce it up. Regardless of what you’re pawning or its condition, you can always expect to get less than the actual value of the item.
Learn How To Shop For A Home At An Auction
If you are in the market for a new home and want to be able to get the most bang for your buck, consider buying the house at an auction. When you go to the auction there are certain things that you need to know in order to be properly prepared though. Use the guide that follows to learn how to have success when buying a home at an auction.
Stalling A "Foreclosure" When Living In A Distressed Property
When you purchase a home, your mortgage provider generally reserves something called the “power of sale.” The power of sale means that they are able to sell your property if you ever fall into default; if you stop paying your mortgage, the property can be foreclosed on. Foreclosure is always a bad thing: not only will it be on your credit report, but it will also mean that you’re still liable for the difference owed between the sales property of the house and your actual mortgage.
Buying A Condominium With An FHA Loan
If you’re a first-time home buyer in a fast-paced market, it can make sense for you to purchase a condo as a first home. Condos have many benefits for first-time home buyers: they are easier to maintain, lower priced, and often located centrally within a city. But many first-time buyers also want to purchase their home with a Federal Housing Administration (FHA) loan, and this can be a challenge. Finding FHA-Approved Condominiums
Worried About Mortgage Rates? What To Know
If you are worried about paying too much money in interest on your mortgage, there are some important things you can do to try to lower your mortgage interest rate. There are a lot of factors that will dictate what your rate is, like what lender you choose and what your current credit history looks like. Here are a couple of things you can do to get the mortgage rate down.
Things To Do Before You List Your Property For Sale
If you have intentions to sell your home in the near future, there are some things that you might want to make sure that you are doing before you make that leap. To help you make sure that you are doing the right things, you will want to read through the following suggestions. Spruce Up The Value Of The Home It is important to make sure that you are increasing the value of your home as much as possible for a couple of reasons.
3 Tips to Help You Get the Most out of Peer-to-Peer Lending Investments
Peer-to-peer lending provides a unique opportunity for anyone with financial capital to help out someone who needs money—and earn interest on the loan they provide. While some investors are initially attracted to peer-to-peer lending because of its personal nature, most people who are heavily involved in this form of investment do it to make money. After all, that’s the point of most investments. If you’re exploring or already involved in peer-to-peer lending, here are some tips to help you maximize your returns.
How Much Equity Do You Need To Get A Home Equity Loan For Remodeling
If your home is in serious need of major renovations, you may be thinking about getting a home equity loan to use to pay for the remodeling that is needed. Before you rush into this, you should understand that your home must have equity in it in order to qualify for a home equity loan, and here are a few important things you should know. Most Lenders Will Only Issue Loans Up To 80% Of Value
Five Things You Need To Know Before You Apply For A Business Loan
Most businesses need a little cash help every once in a while. Maybe it’s to beef up inventory in anticipation of the holiday or other busy season. Perhaps it’s to hire more employees and expand operations. Or, maybe it’s just to help with day-to-day operating expenses during a liquidity crunch. Whatever the reason, a business loan can help you get the money you need to keep your business plan on track.
Get Out From Under Your Title Loan: 4 Ways You Can Become Debt-Free A Lot Sooner
So, you found yourself in a rut and you had to get a title loan. It wasn’t the end of the world then and it still isn’t. However, you don’t want to keep that loan payment around forever, so you need to figure out a way to get that loan paid off sooner rather than later. In doing so, you will free up some of your budget so that you can focus on the future of your finances.
Short On Cash Every Month? It's Time To Refinance!
After faithfully paying your mortgage for years, now is the time to make your mortgage work for you. If you want to reduce your monthly financial obligations, refinancing your mortgage can help you accomplish this financial goal. Depending on your mortgage and personal situation, there are a few ways that refinancing can reduce your mortgage payment. 1. Refinance into a loan with a longer term. If you refinance your mortgage into a product with a term that is longer than the amount of time left on your mortgage, this lowers your payment.
3 Things To Do When A Loved One Has Been Arrested And Is In Jail
Finding out that a loved one has been arrested and is in jail can be quite alarming and stressful, but it is important to remain calm and take the necessary steps to get him or her released. The process typically isn’t as daunting if you know what you’re going to have to do. Take the following steps when you get a phone call from someone in jail: Keep the Initial Call Short
Four Things To Know About Getting A Home Loan With Bad Credit
If you have poor credit, it can be difficult to obtain a home loan. However, that does not mean that it is impossible. There are ways to receive a decent home loan even with a credit score that is lower than 700. Here’s what to know about getting a home loan with bad credit: There’s Usually a Cut-Off: Most lenders will have a cut-off that indicates where you credit score needs to be in order to obtain a home loan.
Tips For Getting A Mortgage With No Credit
It may seem counter-intuitive – you hold no debt and have no loans, so you would think that a bank would see you as a good choice for a mortgage. Yet, the opposite is often the case. Without a credit history, lenders have no idea whether you will act responsibly once you have the mortgage note in hand. There is hope, though. The following tips can help you become mortgage-worthy without racking up unnecessary debt.
Getting Out Of Survival Mode When You've Been Laid Off
In 2014, there was about 55,939 people who were laid off or fired. This alarming statistic shows that no one is considered safe when it comes to their job security. When you do find yourself fired or laid off from a job, it can be very depressing. The bills continue to stack up, while your income comes to a halt. For some, they may get a severance package, but even that won’t last forever.
3 Keys For Shopping For Mortgages And Finding Home Loan Rates In Your Area
Are you looking for a home but aren’t sure how to find the most affordable home loan rates? This can be a make-or-break experience with the home purchase process, so it is vital that you learn the best ways to find a rate that is the most affordable to you. Follow this advice in order to have more control over finding the mortgage that you need. Lower Your Down Payment And Your Mortgage Insurance
Loan Programs For Low-Income, First Time Home Buyers
Buying your first home can be a daunting experience, especially when you think about saving up enough to cover the down payment for the home. If you are struggling to make ends meet each month, you may think home ownership is out of reach. However there are options available to help you get into your first home. Here are some things you may want to consider. FHA Loan An FHA loan is available to help first time home buyers who do not have a down payment saved up.
Understanding Why Payday Loans Are So Important
Have you ever found yourself dealing with cash flow problems at the worst time possible? If yes, then you most likely know how hard it is to secure a loan during those moments. Indeed, while certain traditional loans can be made available within a relatively short period of time, they are hardly helpful in situations of emergency. On the contrary, payday loans are available at literally all times, which partly explains why they are sometimes labeled as the last resort of borrowers.
How You Can Tap Into Your Home Equity
There are many people in the U.S. whose wealth is tied to their house. These are usually homeowners who are nearing or already in their retirement years. Aware of their home equity, they look for loan products that will allow them to obtain cash, and enjoy their retirement even more. Reverse mortgage is one of such loan products. With this type of loan, no monthly payment is made, but the mortgage becomes due when the homeowner passes away.
Should I Take The Lump Sum Or Annuity?
When you win a lottery, you are often given the decision of whether you want a lump sum payment or if you want an annuity. Both decisions have advantages and disadvantages. It comes down to the type of individual you are and whether you have a sensible plan for your lump sum. But be careful because most winners run out of their winnings within five years. You May Need the Money