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Lizy Hoeffer

The difference between APR and Interest Rate

05. 06. 19

Why is my “annual percentage rate” (aka APR) higher than my interest rate?⁣⁣⁣ ⁣⁣⁣ This is a frequent question I get asked during the mortgage process, and the answer to this is rather confusing! ⁣⁣⁣ ⁣⁣⁣ The confusion starts with the name Annual Percentage Rate... it implies that this is the “interest” percentage that you pay annually for your house, your car, your boat, (your fill in the blank if it’s financed)... ⁣⁣⁣ ⁣⁣⁣ While that is true to some...

05. 02. 19

I know we've talked about mindset before (if you missed that one, check it out here) but I think it's worth another look at how limiting beliefs can actually cost you money. I know that sounds crazy, but it's absolutely true. It's amazing how shifting your mindset can change your life in SO many ways, especially when it comes to money! Remember the old adage, "If you don't ask, you don't receive"? Well that's true when it comes to savings...

Is personal development worth spending money on?

04. 22. 19

When it comes to investing many people instantly think, Stocks, retirement, real estate and while all of those are incredible choices, there is one that most people tend to overlook and that is the investment in personal development. For me this has meant many things: books, coaching, conferences & masterminds. And I will tell you that investing in my education, and network has been the best return on any investment I have ever made. I hope you do not find...