Posted in Insurance

How to get a record-low mortgage rate even if you’re self-employed

If you work for yourself and are thinking about buying a home or refinancing, historically low mortgage rates aren’t out of reach.

But first, you have to qualify for the mortgage. As the unemployment rate stays high, lenders are trying to predict whether potential borrowers will be able to make payments. They’ll check — and then double-check — that your income hasn’t been impacted by the pandemic.

“Self-employed people have to jump through hoops like never before,” says Nicole Rueth, producing branch manager of Fairway Independent Mortgage Corp. in Englewood, Colorado. “The paper trail is much more extensive than it’s ever been.”

As mortgage rates continue to dip below 3%, here’s what self-employed people can do to prepare for a mortgage application and score a rock-bottom rate.

Income documentation you’ll need

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You’ll need to provide tax returns and other income documentation.

“Income verification” might sound

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Posted in Personal

The best meditation apps for 2020

Meditation has several benefits, including reducing your stress levels, making you more productive at work, and improving the quality of your sleep. While it can take some time to become an expert, getting started with meditation is easier than ever before thanks to the huge range of tools you can find online, including guided meditation videos and meditation apps.

Choosing a meditation app to get started can be difficult due to the huge number of options available. We’ve put together a few recommendations to help you narrow down your options.

Screenshot of Meditation app showing option to download meditations and practise anywhere

Screenshot of Meditation app showing courses available

Screenshot of Meditation app showing options to customize your practice

Meditation Studio features more than 200 guided meditations to choose from, whether you’re looking for meditations to help you sleep, banish anxiety, or feel more confident. Collections group

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Posted in Money

‘I didn’t know I’d lose money so fast’

Stuck at home without a job during the pandemic, Kelly Mills initially turned to video games for escape. Then she decided to try her hand at a real world game: the stock market.

“I figured if I’m putting this much effort into the trading of these fictitious turnips, then surely I can figure out how the actual stock market works,” she says.

Soon the 34-year-old from Louisiana, who worked in the film industry, was following company rumours on Reddit, dialling into executive conference calls and tracking share prices as obsessively as posts on Instagram.

“I’m cooped up, I’m bored, I’ve got nothing better to do,” she says. “This isn’t me trying to make money. I’m just trying to pass the time.”

Like Ms Mills, millions of new investors in the US have piled into stocks in recent months, enabled by a dramatic crash in share prices in March, online brokerages

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Posted in Personal

Raiders’ Nevin Lawson excited about new teammates

Raiders cornerback Nevin Lawson is entering his seventh season in the NFL, his second with the team and his first in Las Vegas.

The number he cares about most? Wins, like now.

“I want to be a part of something special,” Lawson said of the franchise, in a new home for 2020 with a revamped roster and trying to end its streak of consecutive losing seasons at three. “At the end of the day, whatever my role is, I’ll always accept that role and be the best that role (allows).

“I really feel good about our new additions, not just the draft picks but also the other veteran guys we added to our defense and offense.”

The Raiders signed a host of free agents including linebacker Cory Littleton, cornerback Prince Amukamara, quarterback Marcus Mariota, tight end Jason Witten, wide receiver Nelson Agholor, linebacker Nick Kwiatkoski, safety Jeff Heath, defensive end

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Posted in Money

10 Online Courses That Can Help Turn a Hobby Into a Side Hustle

Click here to read the full article.

One of the side effects of COVID-19 is that millions of people across the United States (and world) are spending a lot more time at home. Even as people start responsibly hanging while sticking to the CDC’s latest guidelines, you may have some extra time on your hands that needs to be filled. If you’d like to turn that spare time into a side hustle for some extra income (or dip your toe into a new career path), your best bet is to try some online courses.

The best online learning platforms like Udemy, Masterclass, and LinkedIn Learning offer classes taught by professionals and run through an easy-to-understand syllabus you can review before signing up. Importantly, these are recorded lectures, not live classes. You can watch the entire course — which is broken down into different sections — on your web browser, or

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Posted in Personal

HBCUs struggle to re-open amid coronavirus

OPINION: HBCUs are scrambling to figure out to address the coronavirus pandemic

“Sorry, it’s hard to find a quiet place to listen,” said my student, “Tanya,” this spring as she struggled to find a place in her house with better Wi-Fi that wasn’t filled with displaced kids and parents.

Her iPad turned dark as she eventually settled on sitting in her Dad’s car outside the house because it was the only quite space she could find for an evening class—a struggle that was pretty common to many historically Black college and university students who were taking virtual classes after COVID-19 shut down campus this spring.

The virus, more specifically, the mismanagement of coronavirus, has cost thousands of Black lives, jobs, businesses and unfortunately there is no end in sight. So how do historically Black colleges and universities, who are tasked with serving some of the most vulnerable students in America,

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Posted in Money

5 emergency documents that can protect you during the pandemic

As the U.S. continues struggling with how to stop the spread of COVID-19, it’s critical to consider whether you have the right emergency documents.

No matter if you live in a coronavirus hot spot or don’t know anyone with COVID-19, there’s never been a better time to understand how different legal documents can protect you.

Here are five types of emergency documents that will help you and your family make essential health care decisions and manage your finances during an unexpected illness or accident.

1. Last will

Your last will is a document that communicates your final wishes after your death. Every adult should have a will. Otherwise, the courts decide what happens to your possessions and who will take care of any minor children who survive you.

You don’t need a lawyer to create a will, but if you have a high net worth or many different types of

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Posted in Personal

25 Common Activities, Ranked by Coronavirus Risk

States are reopening in the face of COVID-19 and school planning has begun, but that doesn’t mean it’s safe to go out or to attend. So you’re staying home in quarantine as much as possible. Yet the pandemic isn’t going to end anytime soon. At some point, you’re going to need to take some risks. Which are the safest?

Your personal risk of catching the coronavirus depends first and foremost on community transmission rates. If you live in Florida, your risk of picking up COVID-19 is much higher than if you live in Wyoming. However, you can’t only consider your family’s risk of catching the virus, but also how sick they’ll become if they do. Older people, particularly those over 65, and anyone with underlying conditions is at particularly high risk. And if you work in a job with potential exposure, going out means you could spread the virus around

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Posted in Business

An award-winning cam girl explains how online porn has changed in 18 years, from shaky webcams to six-figure salaries

ImLive Cam Girl
ImLive Cam Girl

ImLive

  • HottyTEEN69 has been a host on ImLive, a site where people can pay to watch cam girls, for nearly 18 years. 

  • She joined to help pay for her university fees in Romania back when the company was founded in 2002. 

  • Though camming sites like OnlyFans and IsMyGirl have caught the popular imaginary now, the early aughts were like the ‘wild west’ for adult entertainment sites. 

  • Visit Insider’s homepage for more stories.

Camming — live-streaming sex shows, typically from a bedroom — has grown into one of the most lucrative parts of the adult entertainment industry, earning models upwards of $100,000 a year.

In fact, the pandemic has fueled the multi-billion dollar camming industry, as lockdowns created an audience (people who couldn’t go out), and new models (people who lost jobs and sought ways to make money from home).

But long before the pandemic, and long before

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Posted in Insurance

Are you really getting another $1,200 stimulus check? Here’s what we know

Officials in Washington are inching closer to providing Americans with more financial relief from the coronavirus, and it’s sounding more and more likely that a new aid package will include another round of direct payments — you know, those popular “stimulus checks.” (Not to mention direct deposits and debit cards.)

How much will you get? Treasury Secretary Steve Mnuchin indicates you’ll receive the same amount as last time, which was $1,200 for most people. That’s even though Senate Republicans had wanted new relief to go only to lower-income Americans.

Here’s a look at what is known right now about the next aid measure.

Mnuchin: Stimulus checks will be ‘exact same’

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Mnuchin indicates the new stimulus checks will be in the same amounts as the first ones.

After a negotiating session on Capitol Hill on Thursday, Mnuchin said the government is looking to do a repeat

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