5 Things to Consider Before Getting a Personal Loan

Consider This Before Getting a Personal Loan – SmartAsset

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It’s a new year and if one of your resolutions is to get out of debt, you might be thinking about consolidating your bills into a personal loan. With this kind of loan, you can streamline your payments and potentially get rid of your debt more quickly. If you plan on getting a personal loan in 2016, here are some key things to keep in mind before you start searching for a lender.

Check out our personal loan calculator.

1. Interest Rates Are Going Up

At the end of 2015, the Federal Reserve initiated a much anticipated hike in the federal funds rate. What this means for borrowers is that taking on debt is going to be more expensive going forward. That means that the personal loan rates you’re seeing now could be a lot higher six or nine months from now. If you’re planning on borrowing, it might be a good idea to scope out loan offers sooner rather than later.

2. Online Lenders Likely Have the Best Deals

The online lending marketplace has exploded in recent years. With an online lender, there are fewer overhead costs involved, which translates to fewer fees and lower rates for borrowers.

With a lower interest rate, more money will stay in your pocket in the long run. Lending Club, for example, claims that their customers have interest rates that are 33% lower, on average, after consolidating their debt or paying off credit cards using a personal loan.

Related Article: How to Get a Personal Loan

3. Your Credit Matters

Regardless of whether you go through a brick-and-mortar bank or an online lender, you  likely won’t have access to the best rates if you don’t have a great credit score. In the worst case scenario, you could be denied a personal loan altogether.

You can check your credit score for free. And each year, you have a chance to get a free credit report from Experian, Equifax and TransUnion. If you haven’t pulled yours in a while, now might be a good time to take a look.

As you review your report, it’s important to make sure that all of your account information is being reported properly. If you see a paid account that’s still showing a balance, for example, or a collection account you don’t recognize, you’ll need to dispute those items with the credit bureau that’s reporting the information.

4. Personal Loan Scams Are Common

As more and more lenders enter the personal loan arena, the opportunity for scammers to cash in on unsuspecting victims also increases. If you’re applying for a loan online, it’s best to be careful about who you give your personal information to.

Some of the signs that may indicate that a personal loan agreement is actually a scam include lenders who use overly pushy sales tactics to get you to commit or ask you to put up a deposit as a guarantee against the loan. If you come across a lender who doesn’t seem concerned about checking your credit or tells you they can give you a loan without doing any paperwork, those are big red flags that the lender may not be legit.

Related Article: How to Avoid Personal Loan Scams

5. Not Reading the Fine Print Could Cost You

Before you sign off on a personal loan, it’s best to take time to read over the details of the loan agreement. Something as simple as paying one date late could trigger a fee or cause a higher penalty rate to kick in, which would make the loan more expensive in the long run.

Photo credit: ©iStock.com/DragonImages, ©iStock.com/Vikram Raghuvanshi, ©iStock.com/MachineHeadz

Rebecca Lake Rebecca Lake is a retirement, investing and estate planning expert who has been writing about personal finance for a decade. Her expertise in the finance niche also extends to home buying, credit cards, banking and small business. She’s worked directly with several major financial and insurance brands, including Citibank, Discover and AIG and her writing has appeared online at U.S. News and World Report, CreditCards.com and Investopedia. Rebecca is a graduate of the University of South Carolina and she also attended Charleston Southern University as a graduate student. Originally from central Virginia, she now lives on the North Carolina coast along with her two children.
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8 Easy Ways to Make a Great Impression in Seconds

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The poet Maya Angelou once said, “People will forget what you said, people will forget what you did, but people will never forget how you made them feel.”

You want people — employers, new acquaintances, possible mates — to like you. And experts say this can be done in as little as 90 seconds by employing several simple tactics. So, let’s begin to make you amiable, quickly.

1. Eyebrow flash

Portrait of a woman against black background
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We all know the importance of first impressions, and body language leads the way. Some experts believe the first impression people get of whether someone is a friend or foe is made by something called the eyebrow flash.

Jack Schafer, a professor at Western Illinois University and former behavioral analyst for the FBI, writes in Psychology Today:

“The eyebrow flash is a quick up and down movement of the eyebrows. As people approach one another they eyebrow flash each other to send the message that they do not pose a threat. Since eyebrow flashes can be seen at a distance, people typically eyebrow flash as they approach others.”

2. Head tilt

Young African American man with head tilted, smiling.
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Another subtle gesture that makes you more approachable is the head tilt, according to Schafer. The motion is another signal that you don’t pose a threat, and don’t perceive the other person as a threat, possibly because it exposes the carotid artery in the neck. He writes:

“The carotid artery is the primary source for blood to reach the brain and if disrupted, causes severe brain damage or death within minutes.”

3. Smile

Older woman smiling, brick wall in background.
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It may be obvious that it’s important to smile. But hold back for a second and look someone you are meeting straight in the eye first. After an initial acknowledgment, then you can smile.

This shows that you are not walking around with a constant silly grin but are actually smiling at the person you are meeting, communication expert and author Leil Lowndes tells Business Insider. It makes your smile seem more personal and sincere.

4. Eye contact

Woman looking through a frame created by her hands.
elementals / Shutterstock.com

Money Talks News founder Stacy Johnson has learned the importance of eye contact. “Keep your eyes glued to the person who’s talking to you,” he says. “It shows them they’re important.”

Conversely, a lack of eye contact can indicate you’re untrustworthy or uninterested in the conversation — something you obviously want to avoid.

If you feel slightly uncomfortable — or even creepy — doing this, career expert Kara Ronin has a tip for making eye contact that doesn’t feel forced:

“Draw an imaginary inverted triangle on the other person’s face around their eyes and mouth. During the conversation, change your gaze every five to 10 seconds from one point on the triangle to another. This will make you look interested and engrossed in the conversation.”

5. Posture

Woman sitting at desk
Alissa Kumarova / Shutterstock.com

Your mom’s advice holds true when you are meeting a person for the first time: Slouching does not project well.

Ronin writes at The Muse:

“[A]s you’re walking into an event, hold your head high, push your shoulders back and keep your rib cage up. This posture makes you look fearless — and taller, which helps you project a sense of authority.”

6. Don’t fidget

Mans hands twiddling thumbs.
igorstevanovic / Shutterstock.com

Another thing you probably learned from Mom: Don’t fidget.

Mentalizer Education, the website of mentalist and author Ehud Segev, notes that fidgeting is interpreted as nervousness or anxiety. The site advises:

“When engaged with a conversation, regardless if it is with one person or a group of people, refrain from making any unnecessary movements.”

Experts also say fidgeting can indicate you are lying or bored — which probably is not what you want to convey to a prospective employer.

7. Listen

Young man concentrating on conversation.
GaudiLab / Shutterstock.com

There are several other ways to raise a new acquaintance’s comfort level. One is to listen.

There is a difference between listening and pretending you are listening — and most people can tell. The key to showing you are really listening is to not interrupt the speaker, according to Forbes. Wait for a pause to say what you have to say.

Forbes also suggests you give the speaker regular feedback and occasionally paraphrase what they are saying. Both these techniques are signs that you are truly listening, not faking it.

Flattery is OK, but don’t overdo it. Otherwise, it becomes obvious that you are trying to be a lapdog.

8. Respect all around

Two people shaking hands.
allstars / Shutterstock.com

When I walk into an office, I show each person the same amount of respect, whether it’s the receptionist or the boss. This technique will serve you well both when you are going for a job and after you get it.

As the old saying goes, “Be nice to people on your way up because you’ll meet them on your way down.”

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Source: moneytalksnews.com

7 Ways Coupons Waste Your Money and Time

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Clipping coupons is synonymous with saving money. Just mentioning frugal living brings to mind long hours hunched over the dining room table shredding the Sunday newspaper into a mound of money-saving coupons.

But why? What’s so great about coupons?

It may sound blasphemous to some budgeters, but I gave up coupons years ago. Spoiler alert: I still save a respectable amount on groceries, I’m eating healthier, and shopping is a breeze.

Here are the reasons why I hung up my scissors and quit clipping coupons.

1. The cost/reward ratio is low

In exchange for the modest savings it offers, traditional coupon clipping is a demanding taskmaster.

By the time I buy a newspaper, clip the coupons I want, organize them, monitor the expiration dates and find stores that allow coupon stacking, it seems like I should just get the item for free.

2. Coupons are manipulative

It’s no secret manufacturers and retailers want us to use coupons for one reason only: to expose us to products we wouldn’t normally buy, encouraging habitual purchases. Once the savings go away, they expect that demand will stay and the price can gradually increase.

For me, staying on budget means minimizing my wants and needs and shopping with greater intention. Most coupons are distractions that wrap new wants in a package of “savings.”

If I really want to check out coupon options, your time might be better spent accessing manufacturer coupons online.

3. Coupons distract us from better deals

Saving money shouldn’t be an obstacle course. It’s easier and more rewarding to simply stick to store brands, learn which generic products to buy or wait for in-store sales.

Store brands often offer better deals than coupons — without the hassle. Without the overhead of sexy ad campaigns, package designers and product innovators, generics are typically a much better value.

Compare unit prices, instead. You just might never clip another coupon again.

4. Coupons push pre-packaged and processed food

When it comes to groceries, coupons often market convenience foods that are more expensive and less healthy.

Seriously, though, where are the coupons for fresh foods like broccoli or apples? If they exist, they are as rare as a coupon with no expiration date.

5. Coupons encourage over-buying

To take advantage of the savings, coupons often require the purchase of more than one item — “$1 off any three,” for instance. This may be fine for products you know and love, but it’s risky otherwise.

What if you don’t like the taste of the coffee, the flavor of the chips or the scent of the moisturizer? Instead of being out the cost of a single item, you’re out in multiples. Am I really saving if I have to buy more than I need, want or will use?

6. Coupons build brand loyalty

Part of the purpose of coupons is to establish a pattern of buying behavior and build brand loyalty. In matters of love, loyalty is a virtue. But when it comes to shopping, a little cheating can be a very good thing.

Blindly sticking to one brand of yogurt, pasta sauce or toothpaste means you’re likely missing out on better deals or products you’ll like more.

Brand loyalty may make shopping faster, but the benefits end there.

7. Coupons aren’t free

Don’t think those “free” coupons you get with your grocery receipt come without a cost.

Most are generated as part of elaborate loyalty programs that track dozens of data points like what time of day you shop, how much you spend on average, which in-store services you use and whether you have kids.

In addition to using it themselves, stores may sell your information. In exchange for those discounts, you could be handing over a big slice of your privacy.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Source: moneytalksnews.com

Elite status and 60,000 miles: Emirates unveils elevated offers on its new card lineup

Elite status and 60,000 miles: Emirates unveils elevated offers on its new card lineup


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Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Source: thepointsguy.com

A Guide to Subsidized and Unsubsidized Loans

A Guide to Subsidized and Unsubsidized Loans – SmartAsset

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As you explore funding options for higher education, you’ll come across many different ways to pay for school. You can try your hand at scholarships and grants, but you may also need to secure federal student loans. Depending on your financial situation, you may qualify for a subsidized loan or an unsubsidized loan. Here’s the breakdown of subsidized and unsubsidized loans, along with how to get each of them.

Subsidized vs. Unsubsidized Loans

In name, there’s only a two-letter difference. But in operation, subsidized and unsubsidized loans  – sometimes referred to as Stafford loans – aren’t quite the same.

A subsidized loan is available to undergraduate students who prove financial need and are enrolled in school at least part-time. After students or parents of the students fill out the Free Application for Financial Student Aid (FAFSA), the school will determine how much money can be borrowed. Unfortunately, you can’t borrow more than you need.

One major difference of a subsidized loan vs. an unsubsidized loan is that the U.S. Department of Education pays the interest on a subsidized loan while the student is in school, for the first six months after graduating and during a deferment period (if the student chooses to defer the loan). For example, if your subsidized loan is $5,000 at the start of your college education, it’ll still be $5,000 when you begin paying it off after graduation because the government paid the interest on it while you were in school. The same may not be true for an unsubsidized loan.

An unsubsidized loan is available to both undergraduate and graduate students, and isn’t based on financial need. This means anyone who applies for one can get it. Like subsidized loans, students or their parents are required to fill out the FAFSA in order to determine how much can be borrowed. However, unlike subsidized loans, the size of the unsubsidized loan isn’t strictly based on financial need, so more money can be borrowed.

For an unsubsidized loan, students are responsible for paying the interest while in school, regardless of enrollment, as well as during deferment or forbearance periods. If you choose not to pay your interest during these times, the interest will continue to accrue, which means that your monthly payments could be more costly when you’re ready to pay them.

Both types of loans have interest rates that are set by the government and both come with a fee. Each one offers some of the easiest repayment options compared to private student loans, too. Students are eligible to borrow these loans for 150% of the length of the educational program they’re enrolled in. For example, if you attend a four-year university, you can borrow these loans for up to six years.

Pros and Cons

Both types of loans have pros and cons. Depending on your financial situation and education, one may be a better fit than the other. Even if you qualify for a subsidized loan, it’s important to understand what that means for your situation before borrowing that money.

Pros of Subsidized Loans

  • The student is not required to pay interest on the loan until after the six-month grace period after graduation.
  • The loan may be great for students who can’t afford the tuition and don’t have enough money from grants or scholarships to afford college costs.

Cons of Subsidized Loans

  • Students are limited in how much they can borrow. In the first year, you’re only allowed to borrow $3,500 in subsidized loans. After that, you can only borrow $4,500 the second year and $5,500 for years three and four. The total aggregate loan amount is limited to $23,000. This might cause you to take out additional loans to cover other costs.
  • Subsidized loans are only available for undergraduate students. Graduate students – even those who show financial need – don’t qualify.

If you don’t qualify for a subsidized loan, you may still be eligible for an unsubsidized loan.

Pros of Unsubsidized Loans

  • They are available to both undergraduate and graduate students who need to borrow money for school.
  • The amount you can borrow isn’t based on financial need.
  • Students are able to borrow more money than subsidized loans. The total aggregate loan amount is limited to $31,000 for undergraduate students considered dependents and whose parents don’t qualify for direct PLUS loans. Undergraduate independent students may be allowed to borrow up to $57,500, while graduate students may be allowed to borrow up to $138,500.

Cons of Unsubsidized Loans

  • Interest adds up — and you could be on the hook for it — while you’re in school. Once you start paying back the unsubsidized loan, payments may be more expensive than those for a subsidized loan because of the accrued interest.

How to Secure Subsidized and Unsubsidized Loans

If you’re looking to get loans to pay for a college education, direct subsidized or unsubsidized loans might be your best option.

To apply for a subsidized or unsubsidized loan, you’ll need to complete the FAFSA. The form will ask you for important financial information based on your family’s income. From there, your college or university will use your FAFSA to determine the amount of student aid for which you’re eligible. Be mindful of the FAFSA deadline, as well additional deadlines set by your state for applying for state and institutional financial aid.

After the amount is decided, you’ll receive a financial aid package that details your expected family contribution and how much financial help you’ll get from the government. Your letter will include the amount of money you’ll receive in grants, as well as all types of loans you could secure. If you’re ready to accept the federal aid offered, you’ll need to submit a Mastery Promissory Note (MPN). This is a legal document that states your promise to pay back your loans in full, including any fees and accrued interest, to the U.S. Department of Education. 

The Bottom Line

Both subsidized and unsubsidized loans may be good financial resources for upcoming college students who need help paying for school. Both loans tend to have lower interest rates than private student loans, as well as easier repayment terms. 

Keep in mind that these are still loans and they will need to be paid back. If you avoid paying your student loans, you could end up in default or with a delinquent status, and your credit score could be damaged. Once you’re done with your college or graduate school education, stay responsible with your student loan repayment and you’ll be on the path to a successful financial future.

Tips for Managing Student Loan Debt

  • If you’re struggling to manage student loan debt, consider working with a financial advisor. Finding the right financial advisor that fits your needs doesn’t have to be hard. SmartAsset’s free tool matches you with financial advisors in your area in five minutes. If you’re ready to be matched with local advisors that will help you achieve your financial goals, get started now.
  • Paying off student loans can be overwhelming. One way to make it easier is by refinancing them into one lower monthly payment, if you can. Check out the different student loan refinance rates that are available to you now.

Photo credit: ©iStock.com/baona, ©iStock.com/urbazon, ©iStock.com/designer491

Dori Zinn Dori Zinn has been covering personal finance for nearly a decade. Her writing has appeared in Wirecutter, Quartz, Bankrate, Credit Karma, Huffington Post and other publications. She previously worked as a staff writer at Student Loan Hero. Zinn is a past president of the Florida chapter of the Society of Professional Journalists and won the national organization’s “Chapter of the Year” award two years in a row while she was head of the chapter. She graduated with a bachelor’s degree from Florida Atlantic University and currently lives in South Florida.
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Shaquille O’Neal Recruits a Buyer for a Luxury $1.85M Spread in SoCal>

Rumor had it that the NBA superstar Shaquille O’Neal was dabbling in the art of home flipping, when he put his luxurious home in a gated equestrian community in Bell Canyon, CA, on the market for $2.5 million in late 2019.

The big man purchased the place in February 2018 for $1,815,000, and owned the home for only a little more than a year before he decided to sell.

However, if Shaq harbors dreams of an HGTV spinoff show, he’ll have to improve his return on investment. He recently let the home go for $1.85 million.

The five-bedroom, 4.5-bathroom, traditional-style home is on a fenced and gated acre lot, ideal for an owner who craves privacy.

Shaquille O'Neal's SoCal spread
Shaquille O’Neal’s SoCal spread

realtor.com

Overhead view
Overhead view

realtor.com

O’Neal perked up the 5,217-square-foot home with new carpeting, fresh paint, customized closets, and improved landscaping. The home was originally built in 1990, and its HVAC system, garage door, and some of the plumbing were also updated.

Living room
Living room

realtor.com

There’s plenty of proof of the property’s provenance. O’Neal’s images, trophies, and mementos greet visitors the second they set foot in the grand black-and-white, two-story formal entry, with a large staircase and circular gallery.

Grand entry hall
Grand entry hall

realtor.com

The home has a number of highlights: a wide-open floor plan, beamed ceilings, and hillside views. The kitchen, however, is the true showstopper, according to the listing agent, Emil Hartoonian of The Agency.

“Buyers loved the kitchen and its brightness. They also loved the open living space, with no shortage of natural light and flow,” he says.

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Watch: NBA’s Blake Griffin Nets Another Home In Los Angeles

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The kitchen has marble counters, a large center island, built-in stainless steel appliances, and designer cabinetry.

Kitchen
Kitchen

Other luxe features in the residence include a wine closet and wet bar in the great room, a media room with a convenient kitchenette, a screening room, and a spacious office with splendid views.

Home office
Home office

realtor.com

Plush screening room
Plush screening room

realtor.com

The luxury spills into the outdoor spaces as well. Out back, there’s a rock-rimmed heated pool and spa, a fire pit, multiple seating areas, and manicured lawns.

Pool and spa
Pool and spa

“We presented this property in the light it deserved, and helped buyers see the true value of a premier updated property behind guard-gates,” Hartoonian says.

He co-listed the property with Nicholas Siegfried, also of The Agency. Gary Keshishyan Pinnacle Properties represented the buyers.

But wait—there’s more. O’Neal’s sale in Southern California isn’t his only recent real estate success.

The famous “Shaq-apulco” in Windermere, FL, which has been on and off the market at varying prices over the past couple of years, appears to have found a buyer.

Shaquille O'Neal's Florida estate
Shaquille O’Neal’s Florida estate

realtor.com

O’Neal first put the massive estate on the market in 2018, for $28 million. It was most recently listed at $16.5 million, and a sale is now pending on the 4-acre waterfront property, with its 31,000-square-foot mansion.

O’Neal, 48, is reportedly spending more time in Atlanta with his NBA on TNT gig. The Hall of Famer won four NBA titles during his 19-year NBA career.

  • For more photos and details, check out the full listing.
  • Homes for sale in Bell Canyon, CA
  • Learn more about Bell Canyon, CA

Source: realtor.com

Former Dollar General CEO’s 45,000-Square-Foot Mansion Is Built for Entertainment

A megamansion that Dollar General built possesses everything a family would need for a retreat.

Owned by Cal Turner, Jr., the former CEO and chairman of Dollar General, the home on Evans Ridge Road in Parker, CO, is on the market for $12.9 million.

“It is a very unique property, and certainly one of the larger homes in the country,” says the listing agent, Liza Hogan.

The family built the 45,000-square-foot house in 2001 as a retreat, and it’s in pristine condition two decades later.

“It has never been used as a primary home, so it’s in beautiful condition,” added Hogan.

The mansion occupies 35 acres of land about 45 minutes from Denver. An adjacent 35-acre parcel is also up for sale, offering the potential for 70 acres of fenced-in privacy.

“The location is fantastic. You have beautiful, panoramic views of the Rocky Mountains,” Hogan says.

It’s approached by a long driveway that dramatically circles up to the house.

“When you come through the main gate, you can’t see anything of the property,” she adds.

Exterior of mansion in Parker, CO
Exterior of mansion in Parker, CO

Estate Photo Video/ Michael Hefron

Entry
Entry

Estate Photo Video/ Michael Hefron

Living space
Living space

Estate Photo Video/ Michael Hefron

Entertaining space
Entertaining space

Estate Photo Video/ Michael Hefron

Bowling alley
Bowling alley

Estate Photo Video/ Michael Hefron

Bar
Bar

Estate Photo Video/ Michael Hefron

Theater
Theater

Estate Photo Video/ Michael Hefron

Pool
Pool

Estate Photo Video/ Michael Hefron

Conceived as an ideal spot for a family getaway or corporate retreat, the massive house was built with fun and entertainment in mind.

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Watch: Frank Lloyd Wright Home Is a Rare Find in Indiana

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“It’s got a complete entertainment wing, with everything from a heated pool that looks like it was designed for a Roman emperor, Jacuzzi, steam room, and sauna room,” Hogan explains. “There’s also a home theater, a dance floor with a stage, a bowling alley, a billiard table, a pingpong table, arcade room, and a home gym. Outside, there are ponds that are stocked with fish.”

Bedroom
Bedroom

Estate Photo Video/ Michael Hefron

Bedroom
Bedroom

Estate Photo Video/ Michael Hefron

Bedroom
Bedroom

Estate Photo Video/ Michael Hefron

Bathroom
Bathroom

Estate Photo Video/ Michael Hefron

Guests who are exhausted after all the activities on tap will have plenty of places to sleep and recharge.

The main house offers six bedrooms, including a master suite as well as a one-bedroom apartment with a separate entrance. Two other apartments are on the property.

“You can go outside to get there, but they do connect to the main house. One is a two-bedroom apartment, and the other one is a three-bedroom apartment. That adds five more bedrooms,” Hogan says.

A large caretaker’s residence has two bedrooms. With this much space, there’s room for all guests to spread out and enjoy themselves.

Hogan tells us that the mansion’s layout is ideal for long-term guests.

“If you have guests that are staying for an extended period of time, whether it’s friends, family members, or business associates, they can have their own quarters,” she says.

Kitchen
Kitchen

Estate Photo Video/ Michael Hefron

Kitchen
Kitchen

Estate Photo Video/ Michael Hefron

Dining space
Dining space

Estate Photo Video/ Michael Hefron

Dining space
Dining space

Estate Photo Video/ Michael Hefron

Each apartment has its own kitchen, and the main house has a large main kitchen with a catering kitchen nearby. There are also two large dining areas, one more formal than the other.

Owners and guests will have plenty of places to park, thanks to a 29-car garage with space enough for an RV.

Garage
Garage

Estate Photo Video/ Michael Hefron

Garage
Garage

Estate Photo Video/ Michael Hefron

Garage
Garage

Estate Photo Video/ Michael Hefron

The house is being sold fully furnished, with the exception of a few personal items.

“We have had a complete inventory of all the furnishings done by a professional. It’s approximately 60 pages long, with every item, and photos,” Hogan adds.

Wine cellar
Wine cellar

Estate Photo Video/ Michael Hefron

Living space
Living space

Estate Photo Video/ Michael Hefron

Living space
Living space

Estate Photo Video/ Michael Hefron

The sale also includes all of the artwork and all the bottles in the extensive wine cellar.

The home has been on the market for a couple of years and was once listed for more than $20 million.

Hogan says the pool of possible buyers who want this size of house at this kind of price tag in the Denver area is limited.

“This is toward the upper end in Denver,” she says, adding that the current price reflects what the market can bear, rather than its true value.

“The seller probably has at least twice the current asking price into the property. You have to be realistic, and a property has to reflect the market.”

Living space
Living space

Estate Photo Video/ Michael Hefron

The Turner family isn’t using the house as much as they used to, so it’s time to sell.

“Lives changed, and people go in different directions. Kids grow up, and all the things that we see happen with these large, legacy homes,” Hogan says. “They still use the property, but not the way that they did for many years. It’s just time to move on.”

Although the house is huge, Hogan says it still feels warm and welcoming.

“There are many intimate areas within the house,” she says. “Every time I show it, people remark on the fact that they’re able to find spaces where they don’t feel like they’re overwhelmed with the size, and they can have privacy.”

Gym
Gym

Estate Photo Video/ Michael Hefron

Boardroom
Boardroom

Estate Photo Video/ Michael Hefron

Living space
Living space

Estate Photo Video/ Michael Hefron

Game room
Game room

Estate Photo Video/ Michael Hefron

Outdoor space
Outdoor space

Estate Photo Video/ Michael Hefron

Game room
Game room

Estate Photo Video/ Michael Hefron

Living space
Living space

Estate Photo Video/ Michael Hefron

Outdoor space
Outdoor space

Estate Photo Video/ Michael Hefron

Living space
Living space

Estate Photo Video/ Michael Hefron

Outdoor space
Outdoor space

Estate Photo Video/ Michael Hefron

  • For more photos and details, check out the full listing.
  • Homes for sale in Parker, CO
  • Learn more about Parker, CO

Source: realtor.com

10 Dental Products for a Healthy Mouth and Whiter Smile

Smiling woman pointing to her teeth
Photo by B-D-S Piotr Marcinski / Shutterstock.com

Looking for another reason to keep those pearly whites gleaming? Tooth decay and gum disease can impact more than just your smile.

Advanced periodontal disease “is linked with other health problems, such as cardiovascular disease, stroke and bacterial pneumonia,” according to the American Dental Association.

Caring for your mouth is the best way to stave off such concerning — and potentially costly — dental issues. Fortunately, we’ve rounded up a variety of must-try products at Amazon, from a tongue scraper to a smart sonic toothbrush, that can help you do just that.

We recommend you compare prices around the web before you buy. Also, note that although prices you see here will almost always be accurate, they do sometimes differ slightly from what you’ll see at Amazon.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Source: moneytalksnews.com

Northwestern Mutual Receives Seventh Consecutive Perfect Score on Human Rights Campaign’s Corporate Equality Index

Northwestern Mutual Receives Seventh Consecutive Perfect Score on Human Rights Campaign’s Corporate Equality Index

MILWAUKEE, Jan. 28, 2021 /PRNewswire/ — Northwestern Mutual announced today the company earned a perfect score of 100 for the seventh consecutive year in the 2021 Corporate Equality Index (CEI) survey—a national benchmarking survey administered by the Human Rights Campaign Foundation—which reports on corporate policies and practices related to LGBTQ workplace equality. Northwestern Mutual is among 767 major U.S. companies that participated in this year’s survey that earned top scores this year.

Northwestern Mutual. (PRNewsFoto/Northwestern Mutual)

“As we continue our diversity and inclusion journey, we’re pleased to once again achieve a perfect score on the Corporate Equality Index,” said Amy Hanneman, vice president of diversity and inclusion, Northwestern Mutual. “We encourage our employees to bring their whole selves to work, as it is both our similarities and unique differences that enable us to better serve our colleagues, clients and communities, and we’re committed to continuous progress in this space.”

Northwestern Mutual’s perfect score earns the company the designation of a Best Place to Work for LGBTQ Equality. This year’s report rated over 1,100 businesses on detailed criteria falling under four main pillars: non-discrimination policies across business entities; equitable benefits for LGBTQ workers and their families; supporting an inclusive culture; and corporate social responsibility.

Key findings in the 2020 CEI include:

  • Seventy-eight percent of CEI participants documented that they provide inclusive benefits for same- and different-sex spouses and partners.
  • Ninety-two percent of CEI-rated employers offer a robust set of practices (at least three efforts) to support organizational LGBTQ diversity competency.
  • Ninety-two percent of CEI-rated businesses met the standard of demonstrating at least three efforts of public commitment to the LGBTQ community.
  • Ninety-one percent of all CEI-rated businesses offer transgender-inclusive health insurance coverage.

About Northwestern Mutual
Northwestern Mutual has been helping people and businesses achieve financial security for more than 160 years. Through a holistic planning approach, Northwestern Mutual combines the expertise of its financial professionals with a personalized digital experience and industry-leading products to help its clients plan for what’s most important. With $290.3 billion in total assets, $29.9 billion in revenues, and $1.9 trillion worth of life insurance protection in force, Northwestern Mutual delivers financial security to more than 4.6 million people with life, disability income and long-term care insurance, annuities, and brokerage and advisory services. The company manages more than $161 billion of investments owned by its clients and held or managed through its wealth management and investment services businesses. Northwestern Mutual ranks 102 on the 2020 FORTUNE 500 and is recognized by FORTUNE® as one of the “World’s Most Admired” life insurance companies in 2020.

Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company (NM)(life and disability insurance, annuities, and life insurance with long-term care benefits) and its subsidiaries in Milwaukee, WI. Subsidiaries include Northwestern Mutual Investment Services, LLC (investment brokerage services), broker-dealer, registered investment adviser, member FINRA and SIPC; the Northwestern Mutual Wealth Management Company® (investment advisory and trust services), a federal savings bank; and Northwestern Long Term Care Insurance Company.

SOURCE Northwestern Mutual

For further information: William Polk, 800-323-7033, mediarelations@northwesternmutual.com

Source: news.northwesternmutual.com