Wednesday, May 13, 2026

Please cancel my subscription to your issues.Schools Of Hard Knocks.'Spruce Power, ESCAPE PSYCHO CIRCUS:I'm not.

 

March 2026

REACH YOUR GOALS

Turn Your New Job into A Financial Reset. 

Please cancel my subscription to your issues.Schools Of Hard Knocks.'Spruce Power, ESCAPE PSYCHO CIRCUS:I'm not. Turn Your New Job into A Financial Reset
 

If you're planning to make a career move this year, it can be the ideal time to reassess your overall financial picture. Since a new job means new income and benefits, it may also change how you think about money, especially if your career path improves.

During your first 2-3 months at your new job, set aside some time to update your budget, review your benefits and retirement plan options, and align spending and savings with new income.

Calculate your new monthly take-home pay. Bonuses, stock grants, and employer retirement matches all count, as do insurance-related deductions that can affect take-home pay. You may also want to ask a tax professional if a pay increase will affect your tax liabilities.

Review this year's expenses. Review your housing, utilities, insurance, debt payments, and discretionary spending like dining out, subscriptions, travel, and entertainment. Comparing them to 2025's expenses will help you spot price changes.

Make adjustments. If your income is increasing, try to allocate roughly half of the increase to savings before moving the rest to your investment account or discretionary spending.

Choose your next financial goal. This might include reducing debt, saving a down payment for a home, building retirement savings, or taking that vacation you've had to postpone. A raise can feel different when it's tied to a major life goal.1

 

MORTGAGE IQ

New Credit Option Is a Win-Win for Lenders and Borrowers

New Credit Option Is a Win-Win for Lenders and Borrowers
 

Chances are, you're familiar with FICO, a company that's provided credit scores since 1989. Now FICO may have competition from another credit source: VantageScore. This was created as an alternative to FICO scoring and is the result of a joint venture involving major credit bureaus Experian, Equifax and TransUnion.

Last year, the Federal Housing Finance Agency (FHFA) authorized the use of the VantageScore 4.0 credit model for qualifying applicants for conforming loans. This decision may help lenders and borrowers save an average of $111 per finalized mortgage.

While savings are always welcome, VantageScore is also expected to help millions of potential borrowers, as it may expand access to mortgage financing to applicants with limited or non-traditional credit histories.

If you're planning to buy or refinance a home soon, I can provide you with the latest credit scoring updates and answer any questions you may have.


'Spruce Power, ESCAPE PSYCHO CIRCUS:I'm not.  Waves, rights, lucky breaks, words to exchange, history to note, pages to come.Wishes on stars, wishes on studs, wishes in dreams, actions to change. Son to shine,He warns that the truth is being made up. This highlights the "Illusion of Objectivity."

THE EMPIRE OF LIES’ Sprusce Powers, Midterms, Transfers, And Terminations. When Sellers Will Not Sign, Transfers for terminations.It may be a life events department ask or other. Check the website for the departments. Don’t expect a quick response but email and then call the later that day or next day. I have several documents from this past fall with their company logo, etc on the letterhead area, so it should be possible.


Please cancel my subscription to your issues.Schools Of Hard Knocks.'Spruce Power, ESCAPE PSYCHO CIRCUS:I'm not.  Waves, rights, lucky breaks, words to exchange, history to note, pages to come.Wishes on stars, wishes on studs, wishes in dreams, actions to change. Son to shine,

WILL I EVER STOP BEING SARCASTIC ASSHOLE FIND OUT ON NEXT WEEK'S EPISODE OF "I THINK THE FUCK NOT".

DISPUTE WITH A SOLAR PANEL INSTALLER?Spruce Powers.The Good, The Bad, and the Downright Awful.

Dreams are now a reality!Life happens and sometimes the importance of education is put on the ball burner, but where there is a will there is a way.Hindsight: 20-20.  .. It is all within yourself, in your way of thinking.Micky Mouse, good times, god ties, dances in the streets.


From: Dan Evans <devans@tvhomesteam.com. Subject: FW: [Spruce Power] Re: 2nd ATTEMPT: PLEASE REPLY FW: 26356 Brandywine Ct Ucc Financing Statement 2019-0509430.It may be a life events department ask or other. Check the website for the departments. Don’t expect a quick response but email and then call the later that day or next day. I have several documents from this past fall with their company logo, etc on the letterhead area, so it should be possible.



'Spruce Power, ESCAPE PSYCHO CIRCUS:I'm not.  Waves, rights, lucky breaks, words to exchange, history to note, pages to come.Wishes on stars, wishes on studs, wishes in dreams, actions to change. Son to shine,

Please cancel my subscription to your issues.Schools Of Hard Knocks.'Spruce Power, ESCAPE PSYCHO CIRCUS:I'm not.

  March 2026 REACH YOUR GOALS Turn Your New Job into A Financial Reset.  Please cancel my subscription to your issues.Schools Of Hard Knocks...