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Closing costs are the fees you pay to finalize your mortgage, typically ranging from 3% to 6% of your loan amount, in addition to your down payment. Most first-time buyers get blindsided by a $15,000 surprise bill at closing. What Are Closing Costs (And Why They’ll Cost You More Than Expected) Closing costs are all […] The post What Are Closing Costs? The Complete Guide to Housing Costs first appeared on I Will Teach You To Be Rich . Source from I Will Teach You To Be Rich https://ift.tt/obr5tmX

The happiness curve is a principle that shows happiness on a U-shaped curve by age . The idea is that you’re happiest when you’re in your teens to 20s. As you reach midlife, your happiness declines. It rises again once you reach an older age— some research puts that number at 50. Jonathan Rauch’s book , The Happiness Curve: Why Life Gets Better After 50, popularized the concept. Here’s why the curve exists: When you’re young, you’re typically still under the care of your parents and or grandparents and have fewer responsibilities. As you finish schooling and enter “adult life,” the stresses and responsibilities build, especially as you’re responsible for yourself and maybe others. As you enter the older years, you’ve most likely figured a few things out and are in a more stable place. The happiness curve remained predictable for years, until the addition of the latest generation of young people. Researchers in the Global Flourishing Study , in partnership with Harvard and Baylor un...

If the thought of getting in front of a camera and filming a video fills you with terror, you’re not alone. But the process of making a video doesn’t have to be scary—and, in fact, video might just be the key to your success. That’s the philosophy of Keri Murphy , an international speaker, media expert and business mentor. Through her company, Inspired Living , Murphy helps entrepreneurs get comfortable being on camera—and, just as importantly, she teaches them how to leverage the power of video to grow their brands . “If you have a product or service and you are trying to find clients online, you have to be using video,” she says. Adding that if you don’t use video, “You’re going to become obsolete. This is the way of the world.… It’s vital.” Murphy’s On-Camera Roots As a little girl growing up in Portland, Oregon, Murphy always wanted to be in front of the camera. After lots of begging, her mother agreed to sign her up for local modeling and acting classes when she was 11. Murph...

If your calendar is as packed as your inbox, Amtrak’s NextGen Acela train is about to become your favorite coworking space on wheels. Traveling across the Northeast at up to 160 mph, these sleek state-of-the-art trains combine speed, comfort and connectivity, so you can knock out presentations, join video calls or even grab a coffee while zipping past city skylines.  With robust onboard Wi-Fi, the trains also open the door to new AI-powered productivity tools (real-time translation, automated note-taking or on-the-go video editing) helping professionals stay ahead even at 160 mph. Designed with today’s hybrid workplace in mind, the NextGen fleet makes it easier than ever for remote workers to travel across the United States and remain seamlessly connected. Plug in, power up and make every minute count on Amtrak’s fastest new train Inside the NextGen Acela, the upgrades are immediately noticeable. Seats are 27% more spacious, with individual power outlets, USB ports and reading...

Leadership transitions are tricky. When employees first hear, “We’re bringing in a new leader,” anxiety often ripples through the workplace. Common initial employee reactions include: “How will this change impact me?” and “Is my job safe?” Employees might even wonder: “Is the company financially distressed?” Yet, handling these transitions effectively is crucial for organizational health and success. According to McKinsey research , a successful executive change reduces employee departures by 13% and drives revenue and profits up by 5%. On the other hand, a poor transition can lower employee performance by 15%. Whether you’re a beloved leader who has built an enviable culture and you’re retiring, or you’ve chosen to move on to another opportunity, those left behind will experience some level of stress, fear or doubt about what’s next. Successful leadership transitions aren’t about maintaining the same environment but preserving the core elements that made the team successful while...

Labor Day marks the end of summer and the start of fall , but it’s much more than just a long weekend. Since 1894, when President Grover Cleveland signed it into law , the holiday has been dedicated to honoring the American worker. Samuel Gompers , founder of the American Federation of Labor, described it as a day for unity and progress rather than conflict. Over the years, traditions have evolved from parades and speeches to cookouts, fireworks, and quick getaways. Yet the core meaning of the holiday remains the same. It’s a time to pause, recognize the effort that keeps our country running, and express gratitude to employees, coworkers, and families. The following collection of Labor Day quotes offers words to inspire and uplift you. You’ll find famous Labor Day quotes and popular Labor Day captions for social media. Whether you want motivation, appreciation, or a lighthearted post, these inspiring words capture the spirit of the holiday. Inspiring Labor Day Quotes to Honor Americ...

Becca (35) and Nikki (31) are planning their wedding, but they’re already struggling with how to merge their money. Becca, a rock climbing guide with a variable income, has thrown herself into personal finance after years of scarcity thinking and now tracks every dollar. Nikki wants to feel more empowered but often defers to Becca’s […] The post Episode 223. “We make $81k/yr in our 30s. Is that enough?” first appeared on I Will Teach You To Be Rich . Source from I Will Teach You To Be Rich https://ift.tt/OaTVFoZ