Most people don’t get married with the thought of divorce in mind. Sometimes neither of you realize how far you’ve drifted apart until one fateful fight. However, once you do realize divorce is the best option, it’s best to be as cooperative and prepared as possible.

When you consider tuition fees, textbooks, transportation, and food, being able to afford an apartment in college may seem out of reach. However, there are more resources and options available to college students than you may realize.

Though the average dentist salary varies from $110,000 to over $265,000, depending on location and specialty, dentists in most locations average over $170,000. The national median salary for dentists in 2020 was about $164,000. These salaries are obviously attractive, but many dentists do have to contend with shocking levels of student debt at graduation.

The average salary for a veterinarian is around $99,300. However, salary does vary a lot depending on the industry and veterinarian specialty you work in.

As car prices increase, longer terms, such as 72-month car loans (six years) are becoming more popular. Auto loans with a 6-year term have lower monthly payments, but this also means you have to pay more interest over the life of the loan. In some cases, it can also trap borrowers in a cycle of negative equity. The good news? It is sometimes possible to get shorter-term loans, and if you currently have a 72-month auto loan, you can always consider refinancing.

A curtailment occurs when a homeowner pays off his or her mortgage balance ahead of schedule. This may be done either in the form of a lump sum that clears the mortgage entirely or smaller additional monthly payments. However, lenders can also curtail your loan if there has been a calculation error or a loan modification.

Homeowners’ insurance generally won’t be tax-deductible if you live in the home that you’ve insured. However, if you rent out a part of your property or use the home as a vacation rental, then it’s considered a tax-deductible expense related to your business.

It is possible to buy a distressed or foreclosed home without cash by either financing the purchase or assuming the original owner’s mortgage. Some sellers are willing to transfer ownership of a property and let the buyer assume the mortgage to avoid having a foreclosure on their credit history. This option can be a useful incentive in the case of underwater homes that require significant repairs. But not all mortgages are assumable, and even when a mortgage is assumable, it requires permission from both the lender and the original homeowner. The more common way to buy foreclosed homes without cash is to use loans that don’t require a down payment, such as home equity financing and hard loans.

Almost every major real estate transaction involves a home appraisal. Appraisals ensure that the home is sold at an appropriate price that satisfies all parties involved. The entire process shouldn’t take longer than 14 days, and a typical appraisal takes between five and 10 days for a standard single-family home. Multifamily homes may take slightly longer and cost more than average.

REO stands for “real estate owned” and refers to foreclosed houses that have not yet sold at the customary foreclosure sale. REO homes are sold “as is,” and tend to be at a high discount. However, some REO houses require so much work they are no longer a good investment.