When you get married, you also might get some tax benefits, someone to split a Costco membership with, and, of course, a whole other family. (As in, more relatives to get to know and hopefully, learn to love.) But with all the good stuff, there may also be some less than desirable aspects. You may also get more relatives who want to meddle in your finances, especially parents and in-laws.

Now, your parents and parents-in-law probably mean well, but it can be difficult to navigate the relationship if they start to get nosy about how you spend or save your money. Merging finances with your spouse after you get married is tricky enough, add in some financial tension with parental figures and you’re looking at a recipe for a marital mess.

There are multiple ways that parents may try to get involved with your finances. Some are used to giving advice freely to their child and may just want to extend the same gift of knowledge to their child’s spouse—whether they want it or not.

NO PURCHASE NECESSARY TO ENTER OR WIN.

A PURCHASE WILL NOT IMPROVE YOUR CHANCES OF WINNING.

The SoFi at Work Tuition Payoff Sweepstakes (the “Sweepstakes) begins at 12:00:01 AM Eastern Time (“ET”) on July 18, 2019 and ends at 11:59:59 PM ET on September 30, 2019 (the “Sweepstakes Entry Period”).

Eligibility: To be eligible for this Sweepstakes, at the time of participation you must be: [1] a legal resident of and physically located within the 50 United States or the District of Columbia; [2] 18 years of age or older; [3] employee, friend or a family member of a SoFi at Work Partner; [4] and such employee, friend or family member is attending (or has child attending) an accredited college or university within the 50 United States or the District of Columbia (collectively “Entrant”). For the purposes of these Official Rules a SoFi at Work Partner is defined as: employers and associations that are on SoFi’s current partner list. Click on https://www.sofi.com/sofi-at-work for details. Entrant cannot be a current employee of Social Finance, LLC (the “Sponsor”) or have been employed by SoFi within the last twelve months) or be an employee of its parent, subsidiary, affiliated or successor companies; the advertising, promotional or fulfillment agencies involved in this Sweepstakes or any other individual or company involved in the development or execution of the Sweepstakes (individually and collectively, “Sweepstakes Entities”); nor members of their households or immediate families whether related or not, and all such individuals are not eligible to participate. “Household members” shall mean people who share the same residence at least three months a year. “Immediate family members” shall mean parents, step-parents, children, step-children, siblings, step-siblings, or spouses.

How to Enter: Entrants will be automatically entered for a chance to win when they visit https://www.sofi.com/sweeps and follow all online instructions to complete the Entry Form during the Sweepstakes Entry Period (referred hereafter as “Entry” or “Entries”). Limit: one (1) Entry per Entrant for the duration of the Sweepstakes Entry Period. Use of any automated, robotic or similar methods or agents to participate is prohibited and will result in disqualification. Mechanically reproduced Entries will be disqualified along with all Entries associated with the disqualified Entry or Entries. Sponsor is not responsible for lost, late, garbled, damaged, illegible, incomplete, inaccurate or misdirected entries. All Entries submitted become property of the Sponsor and will not be acknowledged.

Random Drawing and Potential Winners (each a “Winner”) Notification: Potential Winners will be selected via a random drawing on or about on October 8, 2019 by the Administrator whose decisions are final and binding. Each Winner will be notified by email within three (3) business days after the random drawing by the Administrator and will be required to : (a) complete, sign and return an Affidavit of Eligibility & Release of Liability, and where permissible, a Publicity Release (collectively the “Affidavit”), (b) complete and submit a W-9 Form and (c) provide proof of being a student at an accredited college or university located within the 50 United States (collectively, “Winner Verification Documents”) within five (5) days of date specified on notification, or an alternate Winner may be selected at Sponsor’s sole discretion. If an email notification is returned as undeliverable, or if a Winner fails to submit his or her complete Winner Verification Documents within the time allocated, or if any Winner cannot accept prize for any reason, or if he or she is not in compliance with these Official Rules, including but not limited unable to provide proof of being a student per the eligibility requirements of these Official Rules, corresponding Winner will be disqualified, and the prize may be awarded to an alternate Winner at the Sponsor’s sole discretion. Entry and acceptance of prize constitute permission to use each Winner’s name, prize won, hometown and likeness for online posting and promotional purposes without further compensation, permission or notification, except where prohibited by law.

Prizes: Twenty (20) Prizes of $2,500 each will be awarded. Total value of all prizes: $50,000.00. Prize will be paid directly to the college or university attended by (or upon enrollment of) the Winner in the name of the corresponding Winner. In the event a Winner is no longer attending college or university or the winner’s tuition does not reflect a balance as stated by the college or university at time of prize delivery, the prize or any balance will be awarded directly to the Winner.

No substitutions, transfers or assignments of prize permitted. Each Winner will be responsible for all federal, state, local, income or any other taxes associated with winning the prize and an IRS Form 1099 will be filed in the name of each Winner for the value of the prize won. Prizes will be awarded within sixty (60) days of each Winner verification.

Odds: Odds of winning are dependent on the total number of eligible entries received during the Sweepstakes Entry Period.

Consent and Release: To the fullest extent possible in law, Entrants, on behalf of themselves and on behalf of their respective heirs, executors, administrators, legal representatives, successors and assigns (“Releasing Parties”), release, defend and hold harmless the Sweepstakes Entities from any and all actions, causes of action, suits, debts, dues, sums of money, accounts, reckonings, bonds, bills, specialties, covenants, contracts, controversies, agreements, promises, variances, trespasses, lost profits, indirect or direct damages, consequential damages, incidental damages, punitive or exemplary damages, judgments, extent, executions, claims and demands whatsoever, in law, admiralty or equity, whether known or unknown, foreseen or unforeseen, against Released Parties which any one or more of the Releasing Parties ever had, now have or hereafter can, shall or may have which in any way arise out of or result from Entrant’s participation, acceptance and use or misuse of prize (if Entrant is determined a Winner). The Sponsor is not responsible for any typographical or other error in the printing of the offer, administration of the Sweepstakes or in the announcement of prizes. In the event Sponsor is prevented from continuing with the Sweepstakes as contemplated herein by any event beyond its control, or otherwise, including but not limited to fire, flood, earthquake, explosion, labor dispute or strike, act of God or public enemy, satellite or equipment failure, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared) or any federal, state, or local government law, order, or regulation, or order of any court, or other cause, Sponsor shall have the right to modify, suspend or terminate the Sweepstakes. Furthermore, the Sponsor reserves the right to terminate the Sweepstakes if it becomes technically corrupted (including if a computer virus or system malfunction inalterably impairs its ability to conduct the Sweepstakes), and to determine the Winners from among all eligible Entries received prior to termination. Entrants assume all liability for any injury, including death or damage caused or claimed to be caused, by participation in this Sweepstakes or use or redemption of the prize (if Entrant is determined to be a Winner).

Arbitration: This Sweepstakes shall be governed by and interpreted under the laws of the State of California, U.S.A. without regard to conflicts of law provisions. Entrants hereby agrees that any and all disputes, claims, causes of action, or controversies (“Claims”) arising out of or in connection with this Sweepstakes shall be resolved, upon the election by Entrant or Sponsor, by arbitration pursuant to this provision and the code of procedures of either the National Arbitration Forum (“NAF”) or the American Arbitration Association (“AAA”), as mutually agreed upon by both parties. IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM. FURTHER, NEITHER SPONSOR NOR ENTRANT WILL HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY ON BEHALF OF THE GENERAL PUBLIC OR OTHER PERSONS SIMILARLY SITUATED, OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT ENTRANT WOULD HAVE IF ENTRANT WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION. ANY CLAIMS, JUDGMENTS AND/OR AWARDS SHALL BE LIMITED TO ACTUAL OUT-OF-POCKET COSTS ASSOCIATED WITH ENTERING THIS SWEEPSTAKES. ENTRANT HEREBY WAIVES ANY RIGHTS OR CLAIMS TO ATTORNEY’S FEES, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ENTRANT, WHETHER FORESEEABLE OR NOT AND WHETHER BASED ON NEGLIGENCE OR OTHERWISE. The arbitrator’s authority to resolve Claims is limited to Claims between Sponsor and Entrant alone, and the arbitrator’s authority to make awards is limited to awards to Sponsor and Entrant alone. Furthermore, claims brought by either party against the other may not be joined or consolidated in arbitration with Claims brought by or against any third party, unless agreed to in writing by all parties. No arbitration award or decision will have any preclusive effect as to issues or claims in any dispute with anyone who is not a named party to the arbitration.

General: Each Entrant is subject to all notices posted online but not limited to Sponsor’s privacy policy as being referred to in the Personal Information & Privacy Section hereof. In the event of a dispute as to any Entry, the authorized account holder of the email address used to register will be deemed to be the Entrant. The “authorized account holder” is the natural person assigned an email address by an Internet access provider, online service provider or other organization responsible for assigning email addresses for the domain associated with the submitted address. Winners may be required to show proof of being the authorized account holder to be determined exclusively by the Sponsor’s and/or its agent in their sole discretion.

The Sponsor is not responsible for (i) error, omission, interruption, deletion, defect, delay in operations or transmission, theft or destruction or unauthorized access to or alterations of Entry materials, or for technical, network, telephone equipment, electronic, computer, hardware or software malfunctions of any kind, or inaccurate transmission of or failure to receive Entry information by Sponsor on account of technical problems or traffic congestion on the Internet or at any website or any combination thereof; (iii) any injury or damage to Entrant’s or any other person’s computer related to or resulting from participating in the Sweepstakes, or (iv) the failure of any third party to comply with the instructions and proper administration of this Sweepstakes. By participating in the Sweepstakes, Entrants (i) agree to be bound by these Official Rules, including all eligibility requirements, and (ii) agree to be bound by the decisions of Sponsor and the Administrator, which are final and binding in all matters relating to the Sweepstakes. Sponsor reserves the right at its sole discretion to disqualify any individual that tampers or attempts to tamper with the entry process or the operation of the Sweepstakes or web site or violates these Official Rules. LEGAL WARNING: ANY ATTEMPT BY AN INDIVIDUAL, WHETHER OR NOT AN ENTRANT, TO DELIBERATELY INTERFERE WITH THE OPERATION OF THE SWEEPSTAKES, IS A VIOLATION OF CRIMINAL & CIVIL LAWS AND SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES AND DILIGENTLY PURSUE ALL REMEDIES AGAINST ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT PERMITTED BY LAW.

Winners List: For a list of Winners (available after November 27, 2019) send a stamped, self-addressed envelope (postage not required for Vermont residents) by November 27, 2019 to: SoFi at Work Tuition Payoff Sweepstakes Winners List, c/o Ventura Associates LLC, 494 Eighth Avenue, Suite 1700 (Attn.: DE/Sofi), New York, NY 10001.

Privacy: By entering the Sweepstakes, the information Entrants provide may be sent to promotional partners. Entrants may be contacted by the Sponsor and/or any promotional partners with future promotional offers. Information provided by Entrants to participate in this Sweepstakes is subject to Sponsor’s privacy policy located at www.sofi.com/privacy-policy.

Sponsor: Social Finance, LLC, 234 1st Street, San Francisco CA 94105.

Administrator: Ventura Associates International LLC, 494 Eighth Avenue, Suite 1700, New York, NY 10001.

What do you call it when someone buys a house and is responsibly paying off their mortgage every month? You could call it “adulting.” But what if there was a way to be even more responsible and pay less? Or what if there was a way to take advantage of all that value in your new home? That would truly be adulting. Well it’s possible there could be a way—through a mortgage refinance.

When you refinance your mortgage, you’re essentially paying off your existing loan and taking out a new loan at new terms. Generally, there are two types of refinances – No Cash Out Refinance: to get a lower interest rate or a different repayment period, or Cash Out Refinance: to take advantage of the equity in their home. If you refinance with a lower interest rate or term, it could save you thousands.

For example, using an online amortization calculator, if you pay on a $300,000 mortgage loan at a 5% fixed interest rate over 30 years, you’ll end up paying $279,767. With a 4% interest rate, you’d pay only $215,608 in total interest over the life of the loan.

The last cold snap has finally passed and you can finally go outside without a full-on puffy jacket cocooning you ankle to shoulder. Soon enough it will be summer a.k.a. backyard season.

But what if your backyard is looking a little grim? A backyard remodel can help turn even the dingiest cement patio into your own personal oasis—where you can sit back and relax by your own personal pond, or live out your Masterchef dreams with an outdoor artisan pizza oven that bakes the crispest crusts on the block.

A backyard remodel is also a great way to bring an outdated home into the modern era without worrying about removing walls or making structural changes to the interior of your home. Adding modern landscaping can take a 70’s home from drab to fab faster than you can say “lawn flamingo.”

And depending on the extent of the remodel, updating your backyard could also be cheaper than interior home renovations. A backyard remodel could also potentially increase the value of your home, which means that putting some work into your yard now might help maximize the amount you can sell the home for later.

Here’s what you need to know about backyard remodeling before you start peeping new raised flower beds for behind the pool.