Fund – SGB Sports Fri, 04 Jun 2021 20:28:53 +0000 en-US hourly 1 Fund – SGB Sports 32 32 2021 Georgia First-Time Home Buyers Programs Thu, 11 Mar 2021 05:38:24 +0000

In Fishing State, first-time buyers – considered buyers who haven’t owned a home in three years – can turn to the Georgia Dream Home Ownership Program for help finding mortgage financing. The rates and fees for home loans are set by the Georgia Dream program.

National programs for first-time home buyers

No matter where you live in the 50 states, these loan programs make buying a home more affordable, helping first-time homebuyers overcome obstacles such as limited income, a low credit rating, or financial loss. no deposit.

Georgia Dream Program Highlights and Eligibility Requirements

Strong points

  • Affordable mortgage rates.

  • Prepared borrowers typically close in about 60 days.

  • Most first-time home buyers receive down payment assistance.


  • 640 minimum credit score.

  • Buyers must invest at least $ 1,000.

  • Homebuyer education required.

Programs for first-time home buyers in Georgia

Summary: Programs for 2021 Georgia Dream First-Time Home Buyers

  • Georgia Standard Down Payment Assistance provides all eligible borrowers with assistance of $ 5,000.

  • Georgia PEN provides $ 7,500 in assistance to first responders, military personnel, educators, medical professionals and others.

  • Georgia Choice helps eligible disabled borrowers with $ 7,500 down payment assistance.

Find details about the Georgia Dream Mortgage and Georgia Dream down payment assistance programs, including income and purchase price limits and a map of targeted counties, at For more information or assistance, send an email [email protected].

Only certain lenders are approved by the state to offer Georgia Dream mortgages. Buyers begin the application process by find a participating lender who can review the requirements with you and help you apply for prequalification and pre-approval. Lenders may have additional requirements for borrowers. All lenders are required to offer homebuyers the same rates and fees, and Georgia Dream has a cap on the amount of fees a lender can charge.

If your credit score is too low to qualify for a Georgia Dream mortgage, there is still hope. Get set, get set, go is a program for home buyers that helps prospective homeowners improve their credit scores to become eligible for a Georgia Dream home loan.

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Definition of full recourse debt Thu, 11 Mar 2021 05:38:24 +0000

What is full recourse debt?

Full recourse debt is a type of secured debt which gives the lender the right to assets—Beyond the guaranteed collateral specified in the loan agreement — to cover full repayment of the borrower’s loan obligations in the event of default on the loan.

In other words, loans with full recourse provisions provide lenders with additional recourse to pursue 100% of the outstanding loan amount, including legal action.

Key points to remember

  • Full and non-recourse debts are examples of secured loans.
  • Full recourse debt is common in the mortgage industry.
  • Full recourse debt gives the lender the right to foreclose on assets beyond the specified collateral in the event the borrower defaults on the loan.

When a borrower enters into a secured contract ready contract, the terms of the contract may be full or non-recourse. The terms of a full recourse loan give the lender rights to more assets than just the collateral specified in the contract.

Understanding full recourse debt

Full recourse debt mitigates risk for the lender. A lender may choose to include a full recourse clause in the loan agreement if it considers that a guaranteed asset will probably decrease.

Full recourse loans are common in mortgages

Full recourse loan provisions are common in loan agreements that use real estate (i.e. mortgages) warranty. For example, if a borrower were to default on their mortgage, then that lender would want to seize and foreclose the property.

However, if the resale value of the property does not cover the full amount owed to the lender, then provided the loan agreement contains a full remedy clause, the full remedy rights would come into effect. Thus, mortgage bankers generally add full recourse clauses to their loan contracts to guard against the risk of the collateral value falling.

Full recourse rights protect the lender

A full recourse provision grants the lender the right to seize any additional assets that the borrower may own and use them to recover the remaining amount owed to them. Depending on the terms of the full recourse loan, lenders could gain the authority to operate a borrower’s bank accounts, investment accounts and salaries.

There is a difference between full debt and non-recourse debt

Full recourse and non-recourse debts are associated with secured loans. The essential difference between a loan with recourse and without recourse has to do with the types of assets that a lender can claim if a borrower does not repay a loan.

For the lender, full recourse debt is virtually risk free.

Debt without recourse

Unlike full recourse debt, debt without recourse does not give the lender any right to additional assets if a borrower defaults on a secured loan. In a non-recourse mortgage loan, the lender would have no right to any assets beyond the real estate guarantee.

Thus, non-recourse debt presents some collateral risk for the lender, as there is a possibility that the collateral value may fall below the borrower’s repayment value. However, as a mortgage loan progresses, the collateral risk will decrease for the lender as more of the loan will be repaid.

The fact that the value of the collateral may decrease is usually a significant risk factor in the subscription process. This risk is one of the reasons why lenders generally have a loan to value ratio threshold for the amount of principal they will issue to a secured borrower. According to Experian, most lenders typically require a loan-to-value ratio of no more than 80%. Higher ratios can be approved, but will generally require Primary Mortgage Insurance (PMI).

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4 places to find last minute scholarships Thu, 11 Mar 2021 05:38:24 +0000

You may be able to find scholarships for college even if you waited until the last minute.

1. Your college’s financial aid service

Your school’s financial aid office may be aware of the remaining options.

Contact your school’s financial aid department to find out if any institutions Scholarships are left. There may be money left behind by a student who has decided not to attend. Or a financial aid service may have inside information about available rewards opportunities.

At the University of San Francisco, Christopher Simpson, the school’s associate director of financial aid and veteran student services, recently heard from an East Bay College Fund administrator. The association couldn’t find a recipient who matched their scholarship profile: a Southern California student attending a Northern California school and not living on campus.

“Luckily, I had a student I could pass the resource on,” says Simpson.

2. Your employer or your parents’ employer

scholarships-last minute-2

Your parents’ employers can sponsor scholarships.

Ask your parents if their employers have scholarships available. One in 10 companies offers employer-sponsored scholarship programs for family members of its employees, according to the 2018 Benefit Survey from the Society for Human Resource Management, a trade association.

If you work yourself, even part-time, find out if there is a scholarship program for employees.

3. Search engines for scholarships and competitions

scholarships-last minute-3

Scholarship search engines and social media may display late deadline options.

Find late scholarships using search engines such as the US Department of Labor’s CareerOneStop scholarship seeker, College Board Big Future,, FastWeb, FinAid, and Peterson’s scholarship finder, you can filter by due date or find those accepting applications year round. You can also search for scholarships on social media, using hashtags.

Monthly scholarship contests may also appear on search engines. They are easy to learn and often do not require an essay. Typically, the prices are around $ 1,000.

Never enter a competition or apply for an online scholarship if you need to submit money or private information, like your social security number; this may signal a scam.

4. Local organizations

scholarships-last minute-4

Try local organizations related to a charity or career that interests you.

Find organizations in your hometown that award scholarships. These tend to be less competitive than national prices as recipients generally need to be local. Start by checking with your high school’s guidance office or career center to find community scholarships that have not been claimed.

“Local organizations often don’t have a beneficiary, so they extend their deadline and don’t always advertise it,” says Jennifer Horner, director of financial aid at Eastern Connecticut State University in Windham, Connecticut. .

Contact community organizations, foundations, and charities in your hometown or state to find out if they still have scholarships available. On scholarship search engines, you can usually filter awards by geographic location to find nearby awards.

You can also search for career or major related scholarships through professional associations and national student organizations. These can be harder to get by the eleventh hour, but are still worth a shot.

Get your ducks in a row

To make the late scholarship application process easier, polish your resume and have a basic essay template handy. The template should include information about yourself, why you are going to school, and why you need the money.

“If you can have these things on hand, in your mind, or written down somewhere, then in most cases you’ve done most of your essay and just tie it to the goal of that particular organization,” explains Simpson.

What to do when you get a scholarship

scholarships-last minute-6

Once you’ve secured a scholarship, alert your financial aid office and ask them to pay back the loan money that you no longer need to borrow.

Once you receive a scholarship, contact your school’s financial aid office. The scholarship money is factored into your entire aid program. If you receive more gift aid than your determined financial need, it can impact the needs-based aid you receive and may even reduce institutional scholarships you have already received.

If you have student loans, a scholarship can help you reduce the amount you need to borrow. Check with your financial aid office about repaying the loan money that may now be covered by your scholarship.

Make a scholarship plan for next year

Plan ahead to apply for scholarships to pay for the spring semester or the next academic year. Apply for revolving scholarships and big dollars to reap the greatest benefits. Keep track of upcoming deadlines so you don’t have to rush for last-minute rewards next year.

This article was written by NerdWallet and was originally published by The Associated Press.

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Paying Off Medical School Debt: 5 Strategies For Physicians Thu, 11 Mar 2021 05:38:24 +0000

Paying off medical school debt can be a bitter pill. As a resident, you are probably not earning enough to make the full monthly payments on your student loan. As an attending physician, you are likely facing a balance of several thousand dollars more than it was when you graduated.

1. Make payments during residency

Medical school loans earn interest while you are in school and are usually repaid six months after you graduate.

It is possible to defer student loan payments during your residency or scholarship, but it will cost you dearly. Interest accrues during deferral and forbearance periods, increasing your total balance.

For example, suspending payments for three years on $ 201,490 – the average debt of medical schools among the Class of 2019 – would add approximately $ 37,779 to your balance, assuming you had an average interest rate of 6.25%, made no interest payments during that time, and you didn’t had no subsidized loans.

To save on interest, make at least partial payments during residency and only use deferral and forbearance as a last resort. If you can’t afford full payments during residency, sign up for an income-based repayment plan.

2. Switch to income-based reimbursement

An income-based repayment plan is the best option for residents who cannot afford to make full payments.

They are four federal income-based plans that cap monthly payments at a percentage of your income, extend the repayment period to 20 or 25 years, and write off any remaining balance after the repayment period. Many doctors choose Pay As You Earn (PAYE) or Revised Pay As You Earn (REPAYE) when paying off medical school debt.

Monthly payments can be significantly lower on an income-driven plan: with an annual income of $ 57,191 – the average allowance for first-year residents in 2019, according to the Association of American Medical Colleges – you should $ 320 per month if you had no dependents.

The downside to income-based repayment is that your monthly payment may not cover all of the interest as it accrues, which means your total loan balance may go up. REPAYE compensates for this with its one-time partial interest subsidy which waives half of the unpaid interest.

Payments will increase as your income increases, which means you risk exceeding the income-based repayment as your career progresses. On REPAYE, for example, your monthly payment might end up being higher than it would be on the standard 10-year federal repayment plan.

3. Request a loan discount

There are many medical school loan exemption programs, including the Public Service Loan Discount, available to physicians who wish to work in the public sector or in underserved areas for a period of time. Loan cancellation may be a good option if your career goals match one of the requirements of these programs.

Depending on whether you have federal or private student loans, you may be able to combine a physician loan forgiveness with another repayment strategy to maximize the amount you get.

4. Refinance to save on interest

Refinancing student loans is probably the best option for physicians who are aggressively paying off medical school debt. If you can get a lower rate, you could save thousands of dollars in interest over the life of your loan.

Doctors are generally ideal candidates in the eyes of student loan refinancing lenders. Qualifying for the lowest rates requires excellent credit and high income against your debt. You may want refinance medical school loans during or after your residency, or both.

If you refinance while in residence, you may be able to pay as little as $ 100 per month. However, those low monthly payments won’t be enough to cover the interest as it accumulates, meaning your balance will increase.

Before you refinance – whether as a resident or as a participant – make sure you are comfortable giving up access to public service loan forgiveness and income-based repayment. Refinanced loans are not eligible for these federal programs.

How much could refinancing save you?

5. Live like a resident, even when you are not.

After years of study and training, you will finally reap the benefits of your career once you become an attending physician. But if you can live as a resident for a few more years, you’ll have more money to spend on saving, investing, and paying off your medical school debt.

You may want make additional payments to get rid of medical school loans more quickly. But before you do, focus on other financial priorities, including:

  • Establish an emergency fund of at least $ 500, but ideally enough to cover three to six months of living expenses.

  • Invest in a retirement fund, at least enough to get your employer’s 401 (k) match.

  • Pay off high interest debt like credit cards.

How long does it take to pay off medical school debt?

Your repayment strategy will determine how long it takes to pay off the medical school debt. For example, continued forgiveness of civil service loans will mean 10 years of repayment, while income-based plans can last up to 25 years.

There is never a penalty for prepaying student loans, and many physicians choose to aggressively pay off their medical student debt.

According to a 2019 survey by recruiting agency Weatherby Healthcare, 35% of doctors paid off their loans in less than five years. They did this through strategies like making additional payments and refinancing student loans. Of those doctors who still had loans, the majority expected it to take at least 10 years to complete the repayment.

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State Farm Insurance Review 2021: Pros and Cons Thu, 11 Mar 2021 05:38:24 +0000

Most or all of the products presented here come from our partners who pay us. This can influence which products we write about and where and how the product appears on a page. However, this does not influence our ratings. Our opinions are ours.

NerdWallet is a free tool to find you the best credit cards, CD rates, savings, checking accounts, scholarships, healthcare, and airlines. Start here to maximize your rewards or minimize your interest rates.
André Marder

State Farm Auto Insurance Reviews and Ratings

  • The largest personal auto insurer in the country.
  • Has fewer auto insurance complaints than expected for a business of this size.
  • Offers carpooling insurance in most states.

State Farm is the largest private auto insurer in the country, but it offers a wide variety of other insurance and financial products, sold exclusively through State Farm agents. If you’re looking for a well-known brand with a generous product selection and consumer-friendly pricing, State Farm might be for you.

Pros and Cons of State Farm

State Farm Auto Insurance

State farm car insurance scored 4.5 out of 5 stars for overall performance. NerdWallet ratings are determined by our editorial team. The scoring formula takes into account prices and discounts, ease of filing a claim, website transparency, financial strength, complaint data from the National Association of Insurance Commissioners, etc.

Based on these ratings, State Farm is among the NerdWallet Best car insurance companies for 2021.

” MORE: Auto insurance quote: what you need to know

Common Types of Auto Insurance Coverage

When shopping for auto insurance, it’s important to understand what auto insurance coverage you want and what you need to buy. Most states require auto insurance to operate a vehicle, although minimum coverage requirements vary from state to state. This typically includes liability insurance and coverage for uninsured and underinsured motorists.

If you want extra protection, you might be interested in full coverage insurance. Comprehensive coverage is not a specific policy that you can purchase, but rather a combination of types of coverage like liability, collision, and comprehensive insurance.

Check out the most common types of auto insurance coverage below to see how they work:

State Farm rental car and travel coverage is superior to that of its competitors. Not only does State Farm auto insurance pay for a rental car if yours is in the store due to a covered collision, it also pays for meals, accommodations, and transportation if you’re stranded over. 80 kilometers from home. Coverage limits apply and vary by state, and you must have full coverage or collision coverage to enroll.

Drive safely and save: This usage-based program calculates discounts based on your mileage and “safe driving” metrics such as smooth acceleration and braking. It also takes into account risk factors such as speed and time of day. You will get up to 30% off once State Farm analyzes your driving behavior. Availability and discounts may vary.

The Steer Clear driving program is a driver training refresher course available online, through an agent or through a mobile app. State Farm is offering savings to drivers under the age of 25 who complete the course and have had no at-fault accidents or movement violations in the past three years.

Carpool insurance: If you’re driving for a business like Uber or Lyft, this option allows you to have a policy that covers both personal use and carpooling. This option is not available in all states.

” MORE: Compare auto insurance rates

State Farm Auto Insurance Discounts:

  • Delivery without accident.
  • Discount for taking a driving safety course.
  • Student absent at school discount.
  • Good driving discount.
  • Discount if all drivers of your vehicle under the age of 21 take an approved driving course.
  • Good student discount.
  • Discount on vehicle safety.
  • Passive withholding discount.
  • Discount for having an anti-theft device.
  • Multiple automatic discount.
  • Discount on several lines.

State Farm Complaints and Customer Satisfaction

State Farm has had fewer complaints than expected for a business of this size to state regulators, according to the National Association of Insurance Commissioners.

State Farm often displays competitive auto insurance rates in our analysis and has an above-average JD Power customer satisfaction rating.

Learn more about the State Farm

Website: State Farm’s website is intuitive, easy to navigate, and packed with useful information. You can get a quote and buy a policy online, find an agent nearby, or handle a claim.

Pocket Agent mobile application: The State Farm Customer App allows you to view your insurance card and policy information, get a quote, submit a claim online, and view the status of a claim. It even has an ATM locator.

State Farm also offers mobile apps for two of its auto insurance programs: the Steer Clear program for drivers under 25 and the Drive Safe & Save program which tracks driving behavior.

Auto insurance buying guide

Before you compare car insurance companies, you need to collect basic information like everyone’s driving history on the policy and facts about your car, including safety features and annual mileage driven. You will also want to understand the types of coverage you need. For example, do you only want the minimum insurance required by your state, or do you need more extensive coverage, such as gap insurance or carpool coverage? Check that each business you are considering has the options that you want.

When comparing rates between insurers, make sure that each offers the same coverage limits and deductibles. You might not want to decide based on price alone. Look at the number of consumer complaints that each business has, as a high number can be a red flag as to the quality of service you may be receiving.

Depending on the company you choose, you may be able to purchase insurance online, over the phone, or through an agent. For more tips see how to buy auto insurance.

Owners, tenants and life insurance

State Farm offers home insurance online and through its network of over 19,000 agents. For more information read our State Farm Homeowners Insurance Review. Renters looking for the business may also get lucky – State Farm tenant insurance tops NerdWallet’s rankings.

” MORE: State Farm Tenant Insurance Review

You can also get life insurance from State Farm. The company sells term life insurance and you can read our State Farm Life Insurance Review to find out if this is right for you.

Automobile insurance valuation methodology

NerdWallet auto insurance reviews reward businesses for their customer-centric functionality and practices. Ratings are based on weighted averages of scores in several categories including financial strength, consumer complaints, website transparency, and affordability. As part of our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare multiple insurance quotes to find the best rate for you. NerdWallet does not receive any compensation for reviews. Read our editorial guidelines.

Methodology of insurer complaints

NerdWallet reviewed complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers stack up against each other, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or its share of total premiums in the industry. . To assess a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by each subsidiary’s market share, over a three-year period. The ratios are determined separately for auto, home (including renters and condos) and life insurance.

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Hefferon credit counselor: smiles are his reward Thu, 11 Mar 2021 05:38:24 +0000

Most or all of the products presented here come from our partners who pay us. This can influence which products we write about and where and how the product appears on a page. However, this does not influence our ratings. Our opinions are ours.

When Sunshine Hefferon answers the phone at work, she doesn’t know what the caller’s mood, motivation, or state of mind will be.

“I could have someone cry because they’re at their wit’s end. I could have someone who is angry, and I have to remember that it’s not about me.
“You have to meet each person where they are. I do my best to listen to them, to validate them.

Hefferon is a financial advisor at GreenPath Debt Solutionscall center in Farmington Hills, Michigan. When she takes a call, her first goal is to establish a relationship with the caller. This allows him to begin the sometimes difficult but always satisfying experience of helping consumers improve their finances and their lives.

“You can hear a smile on the phone,” Hefferon says. “I’m really happy when they say, ‘I’m so glad I spoke with you’. “

GreenPath is a non-profit credit counseling, financial education, and debt management organization with offices in 15 states. The company also serves consumers nationwide by phone and online.

“Definitely rewarding”

Financial counseling was not part of Hefferon’s initial career plan.

“I had a degree in psychology and I was working on a master’s degree,” she says. “I started working in the call center, I became a bankruptcy counselor and then a housing counselor. I liked the environment and I love helping people. … Working here is definitely rewarding.

GreenPath offers advice on housing, student loans and bankruptcy, credit report reviews, debt repayment plans, and many other services. He is a member of National Foundation for Credit Counseling, the country’s largest nonprofit financial advisory organization. GreenPath has approximately 500 employees nationwide and assists nearly a quarter of a million consumers each year.

From the call center, Hefferon consults with customers exclusively by phone, never in person. But GreenPath has many offices where people can come and meet with a financial advisor.

Hefferon says communicating by phone isn’t a barrier at all. She always tries to be empathetic, without sounding like a piece of cake. Her job is to help clients understand, accept, and take responsibility for their financial issues, and then develop a corrective action plan to move forward.

“We put action in place every time we speak, and sometimes people just don’t follow through,” Hefferon says. “My job is not to be a babysitter. I tell them, ‘The action plan is about you.’ “Ultimately, the customer has to take full responsibility.

Some understand, some don’t

Hefferon says it can be frustrating when a customer is consistently overspending or running a monthly deficit of $ 1,000 or more, and the person just doesn’t want to change. But more often than not, she says, people facing huge bills or credit card debt want a lifestyle change. It was then that Hefferon found his job deeply rewarding.

“I was chatting with a 70-year-old single woman who was living on a fixed income and struggling financially,” Hefferon says. “When she was married, her husband handled all the finances.”

“When she first called me, she was literally crying on the phone. She said she went to a restaurant and struggled to pay the bill. That’s when it hit her.

“She started to track her expenses, she now keeps track of every dollar she spends. Before that, she didn’t even know her expenses, she didn’t even know the (monthly) deficit. She said, “Wow I can’t believe I was spending so much on XYZ.” “

A plan to free yourself from your debts

Hefferon’s client participated in GreenPath Debt management plan. As part of the plan, GreenPath acts as an intermediary between customers and their creditors. All parties agree to a repayment schedule which typically includes reduced interest rates and a consolidated monthly payment. The customer pays GreenPath, which then pays the money to the creditors.

GreenPath is a member of NerdWallet Ask an advisor Platform. Hefferon and other GreenPath advisors have answered over 160 consumer questions about AAA. Anyone can ask a question and get a free answer from a credit counselor at

As a non-profit organization, GreenPath relies on grants, funding from certain creditors who participate in its programs, and customer fees. Organizations like GreenPath are different from for-profit companies (sometimes called debt settlement companies) that also work with people looking for debt relief. For-profit companies typically charge more and sometimes engage in deceptive or illegal practices, according to federal regulators.

“When some people call us for the first time, they think we’re a debt settlement company,” Hefferon says. “We tell them we’re not here to convince them to do something. We’re here to provide support and to talk about the pros and cons of all options. My intention is to educate people and help them do better.

More from this series

Credit counselor Thomas Nitzsche: once helped, now he helps

Credit Counselor Robert Dunn: Debt Relief and Stress Relief

Image courtesy of Sunshine Hefferon

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Old School Runescape Last Man Standing Minigame Guide Thu, 11 Mar 2021 05:38:24 +0000

OSRS has its own take on the hugely popular Battle Royale game genre. Accessible by Lisa somewhere west of the Clan Wars area, this is an island where you face 23 other players. Your prayer points will be severely depleted and you will have to loot other players if you want to survive. Participants will have to disburse a payment of 100,000 or 1,000,000 OSRS Gold join. It may be a steep price, but considering the rewards, it is well worth it!

Last man standing: the basics

There are three game modes to choose from: Casual, Competitive, and High Stakes.

The former is sort of a convenient mode as it doesn’t offer any points or rewards. It costs at least 100,000 gold to join competitive mode. Rewards like Gold and Runescape Points are available and there is a requirement of at least 150 combat levels.

The last mode, High Stakes, is available at the option of the developer.

You have to pay a million gold to join. However, you stand to earn 15 million gold if you come out on top. Of course, you could also win a free ticket to the next High-Stakes match (3rd to 5th place) or nothing at all (6th and under). It is up to you to weigh that risk.

Last Man Standing can only be played on certain worlds.

They are 317, 384, 425 and 492. The middle ones (384 and 425) are available for free-to-play members. There is no difference between free and members-only games. This is because the equipment you use in the mini-game is the same and cannot be taken out of the instance.

Rewards include unique armor, weapon, crafting item, research scroll, and halos. Halos, in particular, have the effect of “lining up” with a faction in the God Wars dungeon. Wearing one will make those of that faction non-hostile towards you.

Mini-game mechanics

Once on the island, all combat stats and agility are increased to 99 (except defense which is capped at 75) for the duration of the game. All available prayers can be used (except redemption and preservation). It also replaces your current spellbook with that of Ancient Magicks. It doesn’t matter whether you have completed the corresponding quest or not. Finally, players benefit from infinite racing energy.

There is a default preset for items received on arrival.

It includes a runic pouch with runes for Blood Blitz, Blood Barrage, Ice Blitz and Ice Barrage. Players must loot dead players or randomly appearing chests to get more powerful gear. Bloody and bloody keys are needed for the latter if anyone has arrived in the area first. A key appears in your inventory when you defeat another.

After one minute into the lap, there will be an announcement on the fog.

Staying in it will damage you and the effects will get stronger the longer you stay there. Along with the fog, the safe zone will also appear. The fog doesn’t really close for 5 minutes after you start the game, but you should get closer to the limit so you don’t have to rush into it.

Selling shrines are scattered around the island, and you can buy and sell loot with them. They provide consumables, materials and other miscellaneous items. If you aren’t having too much luck with the looting, sell what you don’t need and buy what you do to survive.

Potential gear includes various member-only gear such as Elder Maul, Rapier Ghrazi, as well as the Ahrim Top and Skirt. You’re going to need better gear if you’re going to survive!


There are two main ways to play Last Man Standing: offensive and defensive. The first requires you to be an active participant, looking for other players or places to loot. Still, that doesn’t mean you randomly attack everyone you see.

You must always choose your battles and observe your opponents. Sometimes you can speculate on how many areas they’ve looted. Towards the start, you can expect others to have fewer consumables but better weapons. The reverse can also be true, as they might have a lot of consumables but weak weapons. As the round progresses you will have a hard time not upgrading your gear.

In real combat, the best weapon you’ll be able to find is the Abyss Whip, followed by the Ice Barrage. Try to defeat as many as you can near the start of the turn, as this is when you are most vulnerable. You can even use the Smite prayer. Remember that all of your combat stats are increased to 99, so normal magic is useless.

For defensive strategy, this is where you avoid direct combat and rely on knowledge of crates or dogs. You will camp in a safe place on the outskirts of the safe zone. Buy some rope so you can use them to cross the river in a pinch. This last trick can be a bit ‘cheat’, but you can use ladders to dodge the attacks.

Last Notes

Buy consumables from vending machines, not armor, as you’ll be getting equipment from other players anyway. You can also sell your starting spear for a survival token. If you see others dropping their spears, you may be able to buy and sell them too! Towards the end of the Thu, you must deny other players essential loot. Examples of these include props you may or may not have, arrows, or runes. If your opponent has a bow or uses spells, all you need to do is deny them more ammo, increasing your chances of survival!

Finally, praying is a good skill to learn. As prayer points are scarce, it helps you save them and continue your prayers for longer. It activates prayers for half a tick, benefiting from the effects but not using a point. The process requires constant vigilance, so practice this skill.

Last Man Standing is a fun minigame as long as you don’t take the competition too seriously. You’re going to win and lose, and you could usually be in the middle somewhere. Much of what you can do to survive is based on luck, because what you can get is random.

Plus, you don’t have to use just one of the strategies to survive. You can change depending on your situation and what you have on hand. Anyway, I hope this will help you in your future Games. Happy hunting and survival!

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Non-Deductible IRA: A Backdoor to a Roth IRA Thu, 11 Mar 2021 05:38:24 +0000

There are a lot of benefits to being rich, and at least one downside: At higher incomes, the IRS excludes you from some of the biggest benefits of individual retirement accounts.

Specifically, if you earn too much to contribute to a Roth IRA, there is a good chance that you are also not eligible to deduct contributions to a Traditional IRA.

Enter the non-deductible IRA, which has more benefits than the name suggests.

What is a non-deductible IRA?

If your modified adjusted gross income (MAGI) in 2020 is greater than $ 206,000 as a married filer or greater than $ 139,000 as a single filer, you are not eligible to contribute to a Roth IRA. (These limits are respectively $ 203,000 and $ 137,000 in 2019.)

A traditional IRA technically does not have income limits for eligibility like the Roth IRA. But if you’re covered by a workplace pension plan and earn too much to contribute to a Roth IRA, you also earn too much to deduct your contributions to a traditional IRA.

That leaves you with that plan of work – which you absolutely should take advantage of, especially if your employer offers matched dollars – and the non-deductible IRA.

The name gives it: a non-deductible IRA is a traditional IRA for which you don’t deduct your contributions. At first glance, it looks like any old taxable investment account. But this is not the case, for one major reason: While there is no tax benefit for making contributions, any return on investment you earn in the account will be tax-exempt until you take distributions in retirement.

When you take distributions in retirement, you will pay taxes on the investment gains, just like with a standard traditional IRA. But unlike a standard traditional IRA, the money you paid comes out tax-free because you didn’t take a deduction when you paid it.

The real benefit of a non-deductible IRA

The deferral of tax on investment income is of course an advantage. But taking that income tax-free is better – and by jumping through a few hurdles, you can achieve it with the help of a non-deductible IRA.

How? ‘Or’ What? By converting the money in a non-deductible IRA into a Roth IRA. It’s a move that you can perform with relative ease, even if you earn too much to otherwise be eligible for the Roth account. It’s called a Roth IRA backdoor, and it’s not as sinister as it sounds.

Why not pay taxes today and live tax free in retirement?

Joe wirbick, Certified financial planner

In fact, it’s IRS-approved and it’s something Joe Wirbick, a certified financial planner and founder of Lancaster, Pa., The Sequinox financial planning company, recommends pretty much universally. “It would be a huge mistake not to convert,” says Wirbick.

When you make contributions to a Roth, you do so with after-tax dollars. When you convert non-deductible IRA contributions to Roth, you are also converting after-tax dollars. And once this conversion is complete, any investment growth in the account can be withdrawn as a qualifying tax-free distribution.

The benefit of this cannot be overstated, especially now when taxes are low: unlike a traditional IRA, you don’t cut taxes on investment growth down the road when they are likely to be. higher. You avoid them completely.

“If you put money into a non-deductible IRA and don’t convert it, all income is tax-deferred. Why would you want to pay taxes later? Said Wirbick. “In my practice, I would say that 95% of the people I meet never retire in a lower tax bracket. So why not pay taxes today and live tax free in retirement? “

Converting a Non-Deductible IRA to a Roth IRA

The best way to convert money from a non-deductible IRA to a Roth IRA is quickly, says Wirbick. This is because a Roth IRA conversion has a tricky area: it requires paying taxes on any untaxed money before it lands in the Roth account. (It’s even more complicated if you have other IRAs as well – say from a 401 (k) rollover – because the IRS looks at all accounts combined and your conversion is prorated. Learn more , read our complete guide to Roth IRA backdoor.)

“There is no rule for how long you have to go [the money] in there, ”says Wirbick. “But if you’re lucky and the growth starts quickly, when you do the conversion you will have to pay taxes on that growth.”

It’s not a big deal, but it makes it easier to do your entire year’s contribution all at once and then convert that amount. (The maximum IRA contribution in 2020 is $ 6,000, or $ 7,000 if you’re 50 or older; the limits were the same in 2019.) You can usually leave the non-deductible IRA open if you want to start over. this maneuver next year, but check to make sure your account provider doesn’t require a minimum balance.

Most brokerage firms will help you with the conversion and will earn you any taxes you owe. But you should still keep track of all earnings and contributions on your own, and consult a tax advisor to make sure you have declared non-deductible contributions and made the conversion correctly.

Finally, know that this is a decision you cannot take back – tax reform laws have eliminated the ability of people to reverse a conversion.

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What it takes to refinance a jumbo loan Thu, 11 Mar 2021 05:38:24 +0000

Refinancing a jumbo loan is not for the faint of heart. Prepare for demanding applications and numerous documentation requests.

But the effort to refinance a jumbo loan – a mortgage that exceeds Freddie Mac and Fannie Mae’s compliant loan limits of $ 548,250, in most cases, and up to $ 822,375 or more in some high-cost areas – may be worth it. Even a small drop in the interest rate can translate into big savings with these large loans.

Are you looking to refinance your mortgage?

Refinancing your mortgage can be a great way to save. With NerdWallet, you can easily track the value of your home and see if you can save money by refinancing.

Why refinance a jumbo mortgage?

With house prices rising home equity, many homeowners are interested in refinancing their jumbo loan to get cash. Those with variable rate jumbo mortgages may also be looking to refinance. Of course, reducing a monthly payment and an interest rate are also motivations for refinancing.

If you are considering refinancing a jumbo loan, the first step is to analyze some numbers to see if the refinancing is worth it. If so, you’ll want to understand the requirements.

Requirements for a jumbo loan refinance

Here’s what lenders and investors may charge to refinance a jumbo loan:

  • No More Than Four Mortgaged Properties: Many investors state that jumbo refinancing borrowers who own multiple properties cannot have more than four that are mortgaged.

  • No bankruptcy in the past seven years: on the other hand, your waiting period can be as short as a year with a compliant loan, depending on your lender, the type of loan, your type of bankruptcy and your situation.

  • Proof of cash and other liquid reserves: You may be asked to prove that you have enough cash and other liquid reserves to cover the principal, interest, taxes and insurance of the loan for several months or even a year. Depending on the investor, your retirement accounts may be viewed as cash reserves, although their value may be discounted.

You may be asked to prove that you have enough cash and other liquid reserves to cover the principal, interest, taxes, and insurance of the loan for several months or even a year.

To document the income for a jumbo refinance, you will need at a minimum:

  • Two years of annual tax returns.

  • 60 days of bank statements.

Do you use bonuses and commissions to qualify? You will also need two years of documentation for these. If you are self-employed or in partnership, you may be asked for an income statement and balance sheet. Additionally, you should be prepared to explain and document the source of any large or unusual deposits on your bank statements.

Are jumbo refinancing rates and fees different?

Jumbo refinancing rate generally do not differ much from conforming loan rates. Your credit score and loan-to-value ratio will play a major role in determining the rate you are offered. It pays to shop around several lenders to see who will offer you the best rate: even a fraction of a basis point can make a huge difference to the lifetime cost of a jumbo loan.

Jumbo loan fees and closing costs are similar to other mortgages. But since many fees are a percentage of the loan amount, you may end up paying more on a jumbo loan refinance. Plus, there’s this: Lenders may want two appraisals – especially on mortgages over $ 1 million – potentially doubling those fees.

What is a jumbo cash-out refinance?

As home values ​​increase, homeowners can refinance themselves to extract some of their new wealth. A cash refinancing replace your existing mortgage with a new mortgage for more than what you owe on your home. You can keep the extra amount in cash.

Banks vary in the amount of capital you can extract, and rates can fluctuate slightly from day to day and from bank to bank. So shop around for quotes, compare your offers, and find a mortgage advisor you trust. The documentation required for a jumbo refinance can be great, but your savings in the long run could be worth it.

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Travel Rewards Bucket List: Visit 40 countries with 2 million points Thu, 11 Mar 2021 05:38:23 +0000

Have you ever considered quitting your job to be able to travel the world? Are you also the type of person who enjoys a good hack – that is, if something is good, how can you make it even better?

If you’re interested, let us introduce you to Hannah and Chad Janis. It’s a married couple in their twenties who quit their jobs on Wall Street, cracked the credit card rewards code, and booked flights to 40 countries. And they do it all for free.

Hannah and Chad began to think about their travel goals during their first year working at a hedge fund and an investment bank, respectively. They decided to sell almost all of their possessions and “live intentionally,” according to Chad. Now, as they travel the world, their belongings fit in two suitcases and two backpacks, and they document their travels on Instagram.

The Janis duo use 2 million credit card points to travel to their 40 countries, all earned by opening 42 credit cards. The duo clearly know a thing or two about the best travel credit cards. Here are some details on their favorites and how they booked their fantastic adventures.

Start with the welcome bonus

One of Hannah and Chad’s biggest tips for free travel is to find important welcome bonuses, then maximize their impact by spending as little as possible. “We only opened cards that we knew would get us the points we needed for certain redemption options,” says Chad.

“We evaluated two criteria for each card we opened: first, does the card earn points for an airline or program that we need and second, the current trend for sign-up bonus is higher. than normal, ”says Chad. this trip with a pretty good understanding of how many points we would need with different airlines and opened up the cards that would help us accumulate those points. “

Hello the Chase Sapphire Reserve® and The American Express Platinum Card®

“These are the only two cards we took with us,” Chad says. “The Chase Sapphire Reserve® earn three points for [every dollar spent on] eating and “traveling”, which is rather loosely defined. We therefore mainly use the Chase Sapphire Reserve® because most of our expenses fall into these two categories. However, we use The American Express Platinum Card® for hotel accommodation, as well as taxes and fees associated with booking “free” flights, as this card earns us five points on those purchases. “

Think first, then sign up

One of Hannah and Chad’s mantras is not to spend more than they normally would. It takes a lot of forethought.

It’s no surprise that using points to travel the globe requires careful planning.

“Before we opened a card, we would sit down and map out the purchases we knew we were going to have over the next three months,” says Chad.

“Based on our planned spending, we would then open one to three cards that required us to meet a combined minimum spending requirement that was lower than our planned spending.

Beware of returns

You can’t pull off this feat without being smart about almost every little detail. Yet even they encountered obstacles.

Specifically, how cards handle returns. “Hannah had returned an item on one of the cards she had opened, which gave her the minimum spend required for that card,” Chad explains.

“We had about four days left to meet the minimum spending requirement on the card again. It wasn’t a lot of money (maybe $ 50), but the responsible tracking of so many credit cards to harvest. serious rewards took planning and commitment. We were able to meet the minimum spending requirements for this card again within the three month window. “

Photos courtesy of Hannah and Chad Janis.

How to Maximize Your Rewards

You want a travel credit card that prioritizes what’s important to you. Here are our choices for the best travel credit cards of 2021, including those that are best suited:

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