Kent Baker

Kent approaches personal finance with a practical, common-sense perspective. He shares insights on budgeting, saving, and making smart financial choices based on real-world application. Josh aims to provide reliable, no-nonsense advice to help individuals and families navigate their financial journey and build sustainable habits for a better future.
Jumbo Loan Insights: What Buyers Should Know - Verified by FangWallet
3 min read

Jumbo Loan Insights: What Buyers Should Know

3 min readJumbo loans are home loans for borrowing amounts exceeding Federal Housing Finance Agency (FHFA) limits. Borrowers must meet stricter criteria, including higher credit scores and larger down payments than regular loans. Interest rates on jumbo loans may differ from standard loans, influenced by the borrower’s financial profile. It’s crucial to understand current conforming loan […]Continue reading "Jumbo Loan Insights: What Buyers Should Know" →
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Business,Entrepreneurship,Loans,Personal
3 min read
What is a Conventional Loan? - Verified by FangWallet
4 min read

What is a Conventional Loan?

4 min readWhat Is a Conventional Loan? Conventional loans are mortgages not backed by government agencies, like FHA or VA loans. These loans require at least a 620 credit score and offer adjustable terms with competitive interest rates for strong-credit borrowers. Down payments can be as low as 3%, but private mortgage insurance (PMI) is required if […]Continue reading "What is a Conventional Loan?" →
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Kent Baker<span class="bp-verified-badge"></span> Kent Baker
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Loans,Mortgage,Personal
4 min read
Selecting the Most Suitable Peer-to-Peer Lending Platforms for Your Needs - Verified by FangWallet
7 min read

Selecting the Most Suitable Peer-to-Peer Lending Platforms for Your Needs

7 min readChoosing the Best Peer-to-Peer Lending Platforms for Your Needs When you want to pick the best peer-to-peer lending platform, there are many things to consider. You need to look at what each platform offers. Think about the interest rates, fees, and how safe your money will be. People want to feel confident about where they […]Continue reading "Selecting the Most Suitable Peer-to-Peer Lending Platforms for Your Needs" →
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Business,Entrepreneurship
7 min read
8 Innovative Business Ideas to Help the Community Thrive - Verified by FangWallet
3 min read

8 Innovative Business Ideas to Help the Community Thrive

3 min read25 business ideas that support community needs and help new owners earn income Opportunities to boost local businesses, deliver important goods, and connect people through events Simple marketing plans to build loyal customer groups Guidance on funding, market research, and complying with local regulations Business ideas addressing immediate community demands, from childcare to green […]Continue reading "8 Innovative Business Ideas to Help the Community Thrive" →
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Kent Baker<span class="bp-verified-badge"></span> Kent Baker
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Business,Environment,Guides,Make Money
3 min read
The Pros and Cons of Using a Business Credit Card for Personal Expenses - Verified by FangWallet
5 min read

The Pros and Cons of Using a Business Credit Card for Personal Expenses

5 min readUsing a business card for personal expenses is not illegal, but it often goes against the card’s rules, which could result in the card being closed. Mixing personal purchases with business spending can hurt both your business credit score and your personal credit score. Business cards offer higher limits and special travel rewards, […]Continue reading "The Pros and Cons of Using a Business Credit Card for Personal Expenses" →
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Kent Baker<span class="bp-verified-badge"></span> Kent Baker
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Business,Credit Cards,Personal
5 min read
what is a 3rd party check
7 min read

What Is a 3rd Party Check?

7 min readA third-party check means that money is given by signing the check over to someone who is not the original payee. These checks are different from regular checks because another person is involved. Financial institutions may have their own rules about cashing or depositing third-party checks. People often use third-party checks to pay […]Continue reading "What Is a 3rd Party Check?" →
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Kent Baker<span class="bp-verified-badge"></span> Kent Baker
Posted on
Banking,Legal,Personal
7 min read
how to start a wholesale business
15 min read

How to Start a Wholesale Business Even If You’re a Total Newbie

15 min readA wholesale business involves buying large quantities of goods at low prices and selling them for profit. To do well in wholesale, you need to manage your inventory well, build strong relationships with reliable suppliers, and have good customer service strategies. Market research is very important. It helps you find gaps, trends, and […]Continue reading "How to Start a Wholesale Business Even If You’re a Total Newbie" →
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Kent Baker<span class="bp-verified-badge"></span> Kent Baker
Posted on
Business,Entrepreneurship,Guides
15 min read
how much do cyber security make
7 min read

How Much Do Cyber Security Make? Uncover the Truth

7 min readCybersecurity jobs are very popular. Many people want them because there is a high demand and good pay across several industries. Those working in cybersecurity roles can earn between $69,660 and $276,993 a year. The amount they make depends on their job role and their level of experience. A person’s salary can change […]Continue reading "How Much Do Cyber Security Make? Uncover the Truth" →
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Kent Baker<span class="bp-verified-badge"></span> Kent Baker
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Career,Guides,Make Money
7 min read
How to Deal with Debt Collectors and Know Your Rights - Verified by FangWallet
4 min read

How to Deal with Debt Collectors and Know Your Rights

4 min readDealing with collection agencies can be stressful, but staying informed is key. Always request written validation of the debt, remain composed in conversations, and know your rights. Keeping communication clear can help resolve issues effectively.Continue reading "How to Deal with Debt Collectors and Know Your Rights" →
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Kent Baker<span class="bp-verified-badge"></span> Kent Baker
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Debt,Guides,Legal,Loans
4 min read
Townhouse Taxes in 2025: What Buyers Need to Know - Verified by FangWallet
4 min read

Townhouse Taxes in 2025: What Buyers Need to Know

4 min readLocal governments decide the taxes and rates for townhouse properties, which vary significantly by location. Major changes in tax laws for 2025 will impact deductions, including those for property tax bills and mortgage interest. Accurately calculating your property tax bill is essential for effective budgeting. Townhouse owners may deduct certain costs, such as […]Continue reading "Townhouse Taxes in 2025: What Buyers Need to Know" →
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Kent Baker<span class="bp-verified-badge"></span> Kent Baker
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Guides,Legal,Mortgage,Personal
4 min read
Why Should You Never Buy the Extended Warranty? - Verified by FangWallet
5 min read

Why Should You Never Buy the Extended Warranty?

5 min readExtended warranties often repeat what the manufacturer’s guarantee already covers. This implies that they may incur unnecessary costs. Salespeople push extended warranties because they make money from sales. This strategy helps businesses more than it helps consumers. The coverage with extended warranties can have exclusions, secret fees, and limits that are in the […]Continue reading "Why Should You Never Buy the Extended Warranty?" →
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Kent Baker<span class="bp-verified-badge"></span> Kent Baker
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Business,Opinion,Personal
5 min read

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