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Nina Semczuk

Mortgage, Home Buying, Savings and Retirement Expert

Nina Semczuk is a Certified Educator in Personal Finance® (CEPF®) and a member of the Society for Advancing Business Editing and Writing. She helps makes personal finance accessible. Nina started her path toward financial literacy at fourteen after filling out her first W-4 and earning her first paycheck. Since then, she's navigated the world of mortgages, VA loans, Roth IRAs and the tax consequences of changing states or countries at least once a year. Nina specializes in mortgage, savings and retirement education. Nina is a graduate of Boston University and served as an officer in the military for five years. Find her work on The Muse, Business Insider, Fast Company, Forbes and around the web.

Posts by Nina Semczuk:

by Nina Semczuk May 19, 2022

Buying a foreclosed home is one-way potential homeowners can save a bit of money. This is because a foreclosed home is likely to be selling for cheaper than other homes on the market, so you may be able to get a good deal and keep your mortgage payments lower. While there are a few things you should know about buying a foreclosed home, for the most part, the process is very similar to buying any other real estate. For help working a foreclosure purchase into your financial plan, consider working with a financial advisor. Read more

by Nina Semczuk Jan 19, 2023

A mortgage broker is a third party who helps potential homebuyers get the best possible rate when securing a loan to buy a home. Instead of going to each lender for a rate quote yourself, a mortgage broker does the legwork for you. Brokers generally receive compensation from the lender you end up working with or from the fees you pay. If you decide to go with a particular mortgage broker, always be sure to calculate your prospective mortgage costs to have a full understanding of what it could run you. For help with home buying and other financial issues, consider working with a financial advisor. Read more

by Nina Semczuk Oct 25, 2022

When you’re counting down to retirement, it’s easy to get caught up in fantasies of your future work-free life. Maybe it’s RV trips to Florida, days on the golf course or quality time spent with family. Whatever your dream retirement looks like, you can be sure you’ll need money to fund it. Unfortunately, if you’re like most Americans, you don’t have nearly enough saved for retirement. But you can help change that with a few key fixes. Consider working with a financial advisor as you create or update a retirement plan. Read more

by Nina Semczuk Dec 01, 2022

President Trump signed sweeping tax legislation in 2017 that capped property taxes and other state and local taxes (SALT) deductions at $10,000. This change went into effect in January 2018, which… Read more

by Nina Semczuk Dec 21, 2017

Veterans who want to take out a mortgage backed by the Department of Veterans Affairs must prove that they qualify for the home loan program. There are certain requirements to meet as well as… Read more

by Nina Semczuk Jan 22, 2023

There are three main ways to maximize your tax return. You can file your taxes on your own to save on tax preparation fees. You can work with a financial advisor to develop a tax strategy for your… Read more

by Nina Semczuk Jan 22, 2023

Filing taxes yourself has never been easier. As long as you have internet access, you can submit your tax return from the comfort of your couch. Before you get started, however, you’ll have to choose… Read more

by Nina Semczuk Oct 30, 2017

The holiday season is a time for celebration. And with most celebrations, you usually find yourself opening your wallet again and again. This can put a strain on your budget and put a damper on… Read more

by Nina Semczuk Dec 30, 2022

Start with giving yourself a pat on the back. Whether you saved $50,000 by diligently setting aside a portion of your paycheck or you came into money through an inheritance, you now have a tidy sum… Read more

by Nina Semczuk Jan 13, 2023

One of the most attractive features of a 401(k) plan is that you can contribute pretax dollars throughout your career. This reduces your taxable income and allows you to contribute more to your… Read more

by Nina Semczuk Apr 20, 2022

Money management is a tricky subject. For many, the topic’s accompanied with a feeling of apprehension. Maybe you’ve put off saving for retirement for a bit too long. Or, perhaps you’re worried about… Read more

by Nina Semczuk Jun 26, 2018

Starting early with college savings is a smart choice. With the price of higher education rising each year, the sooner you start, the better chance you’ll have of helping make a dent in those costs.… Read more

by Nina Semczuk Dec 23, 2022

Inheriting an IRA, whether a traditional or Roth account, comes with certain responsibilities. The rules for an inherited IRA depend on the specifics of your situation, as well as the deceased’s age… Read more

by Nina Semczuk Dec 15, 2022

There are many different strategies for approaching building a budget. In fact, there are a number of budgeting apps and programs available that can do much of the work for you. Understanding how to… Read more

by Nina Semczuk Jun 25, 2018

If you’re in the process of buying a home, you may have heard the term “deed of trust.” Depending on what state you live in, this may have come up more frequently than it would in other places. But… Read more

by Nina Semczuk Jun 28, 2017

Whether you’re buying a house for yourself or as an investment, one factor to consider is the long-term value of the home. Housing market growth is a way to determine if you’ll get a return for your… Read more

by Nina Semczuk Jul 20, 2017

Summer memories wouldn’t be complete for many Americans without tractor pulls, fried dough and live music with friends and family. Each year millions of attendees celebrate the end of summer and the… Read more

by Nina Semczuk Jul 18, 2019

Almost 10 years past America’s most recent financial crisis, you can still hear the term in the news. Whether it’s in regards to recovering from one, or the impending onset of another, it’s a phrase… Read more