61 Finance Articles
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Reduce The Stress Of Home Selling By Making Good Decisions Early
Written by: Claudia Abberley
Relocating is always a difficult thing to do, and selling your current home will only add to the hassle. Being able to quickly find a buyer for your home is ideal. Having an unoccupied home you have to continue paying for becomes a real financial burden, especially when the selling process drags on for a long period of time. Selling your home before you begin paying for another one is the best alternative for your bank account.
Direct Lender And Commercial Mortgage Broker Differences.
Written by: Kirkham Burbidge
Navigating the seemingly dangerous waters of lending can be tricky. But let's face facts, you need money for a building and don't have it. The good news is: money is more available now than ever before and in today's market the rates are better than ever.
EFC, COA, FAFSA and Other Acronyms Related to Student Loans and Financial Aid
Written by: Bernard Pruett
Most parents would love to see their children become healthy, responsible, and educated adults. However, the rising cost of higher education is making the latter part of that goal difficult to achieve. It is estimated that the cost of attending a private university in ten years will be 0,000 and ,000 for public universities. Because of this, many parents begin planning for their children's education while the children are still quite young. Read on for advice on student financial aid.
Home Equity Loans Can Be Used To Finance Home Improvement, But Should They?
Written by: Bernard Pruett
A number of homeowners utilize home equity loans to pay for their home improvement needs. Before applying for a home improvement equity loan, for any purpose, it is important to understand how they work. Read on as we discuss the nature of the home equity loan.
Tax Debt Reduction Programs Offered by The Internal Revenue Services
Written by: Bernard Pruett
Many of us forget about taxes until April 15th rolls around. As a result, some of us discover too late that we did not manage our tax debt efficiently. When this happens, a tax debt reduction may be a viable means of repaying taxes owed to the United States Government.
Credit Card Debt Consolidation Loans Require an Attention to Detail
Written by: Bernard Pruett
Credit card debt consolidation loans can save you money and help your credit score. This article addresses the how's and why's of how to secure credit card debt consolidation loans.
How Student Loan Consolidation Works And The Consolidation Loan Application Process
Written by: Bernard Pruett
Consolidate student loans to get a lower student loan consolidation interest rate. Read this article to learn more about college loan consolidations and how to apply for them.
Student Loans 101
Written by: Bernard Pruett
Student loans have become a common form of financial aid, giving prospective college students the opportunity to further their education. What's even better is that college student loans now come in a variety of shapes and forms to appeal to more college candidates that have different needs and qualifications.
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Credit Card Companies Reward Consumers Who Shop Around
Written by: Braxton Heitz
With Ronald Reagan came mass deregulation in many industries. One of the industries that benefited from deregulation was the financial industry. As a result, hundreds of new financial companies were introduced to the American consumer during the 1980's. With the sudden explosion of new competitors in this industry, credit card companies began to struggle with how to retain existing customers and to recruit new customers.
Student Credit Cards Can Help Lay The Foundation For Prosperous Adult Living
Written by: Braxton Heitz
Credit is one of the most fundamental aspects of the financial structure we have built our society. In fact, a great credit score can be one of the most valuable assets an individual will ever have in his or her life.
Is There A Perfect Storm Brewing For Single Family?
Written by: Donna Robinson
A glut of new construction combined with higher than normal resale inventory, plus a sharp increase in foreclosures is leading to massive oversupplies of single family housing in most areas of the country.
Check The Appraisal Carefully To Avoid Being A Fraud Victim
Written by: Donna Robinson
There is a type of fraud in which an unsuspecting Real Estate investor believes he is buying a property worth a certain amount, when in reality the property is worth much less. This places the investor in a hopelessly upside down situation, owing more money than the property will ever be worth.
What My Mother Taught Me About Credit Cards And Family Finances
Written by: Braxton Heitz
My mother is an amazing woman. She made some of the hardest jobs imaginable look easy. No matter how hard her day was, she always had a smile and perfect hair.
Mortgage Arrears And Repossession Guide -- How To Prevent Repossession
Written by: James Copper
A look at what happens when you fall into debt and fail to keep up to date on your mortgage payments. Including an overview of the repossession process.
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Your Credit Rating And Loans - The Facts
Written by: James Copper
An overview of how credit scoring works and how it affects your ability to get financing.
3 Classic No Down Payment Strategies
Written by: Donna Robinson
Everyone has heard a story or read about someone who bought a property without paying a single dime as a down payment. But how does this work? There are several * classic * methods commonly used to purchase real estate with no money down. There are an infinite variety of situations in a real estate transaction that could lead to a deal with no down payment. But for the sake of reality, I will focus on those that are most commonly seen in the current market.
Ten Important Questions To Ask Your Mortgage Loan Broker
Written by: James Copper
A list of ten questions that you need to consider and ask your mortgage broker before you take out a home loan.
Protecting Assets from Nursing Home Costs
Written by: Rocco Beatrice
About protecting senior/elder assets before entering nursing home. Planning for your retirement by reducing your nursing home costs has to be done early and definitively 5 years before you plan to get sick. If offering is a taxable gift then taxes are paid on the gift by the transferor; oppositely, the receiver obtains the gift tax-free.
Medicaid Asset Protection
Written by: Rocco Beatrice
Learn how to include senior Medicaid asset protection as part of your senior tax planning strategies. What are the tax implications of Medicaid and why it needs to be planned carefully? About seniors Medicaid asset protection as part of the senior tax planning strategies. Explains the new 5-year look back provisions for seniors to qualify for Medicare assistance into nursing home program.
How to Hide Assets
Written by: Rocco Beatrice
How to hide your assets by repositioning your assets through an irrevocable trust with an independent trustee.
Reasons to Be Pre-approved
Written by: Clint Wooley
Taking the time to apply for a mortgage before beginning your home search and being able to make offers based on a pre-approval can speed the buying process and give you additional negotiating power.
Understanding the Mortgage Process
Written by: Clint Wooley
Understanding what will happen during the process of applying for a mortgage through closing can remove some of the anxiety of an already stressful venture. This is a brief, but useful overview that was created from real-world situations.
Making Offers and Negotiating on Homes
Written by: Clint Wooley
A realistic approach to making offers and negotiating to get the most home for your money, this article has everyday, practical suggestions about how to make offers and negotiate through your Realtor.
Why You Should Buy a Home Now
Written by: Clint Wooley
These days there is literally too much information for first time homebuyers to make a decision sometimes. Fear can prevent first time home buyers from ever acting on their dream of home ownership. When you look at facts, though, buying a home makes as much sense now as it ever has.
How To Beat Your Banker At Their Own Game Using Loopholes In Their Own Rules
Written by: Jeff Spellman
Imagine what it would be like if you could pay off your mortgage sooner than anticipated. Sure, we all think about it, we tell ourselves that next year we will start paying more than is required each month, or that once we pay off the car loan, we can put more money to that mortgage. Unfortunately, many homeowners never seem to have that extra money to put towards their mortgage payments.
How Foreclosures Work and Steps You Can Take To Avoid Foreclosure
Written by: Jeff Spellman
A lender provides you with a mortgage and the home is considered to be collateral until you pay off the mortgage in full and with interest. If you stop making payments on your mortgage, the lender has the legal right to foreclose and take possession of your home in order to recoup the money that they originally loaned you.
Introduction To Home Equity Loans
Written by: Ethan Deville
Home equity can be a difficult concept to understand if you have never dealt with home ownership before. Equity is defined as the monetary value of a property or business beyond any amounts owed on it in mortgages, claims, liens, etc. In simpler terms, home equity is how much house you have earned.
Pre-Qualified vs. Pre-Approved Home Mortgages
Written by: Ethan Deville
Those looking to buy a home and those that are selling a home can easily misunderstand the terms, pre-qualified and pre-approved. There are big differences between the two terms, and it is important for you to understand what those differences are if you are in the market to purchase a new home or your first home.
The Basics of Home Mortgages
Written by: Ethan Deville
Once you find a home that you want to buy you will most likely need a loan to pay for it. This type of loan is most commonly referred to as a home mortgage. When looking for a mortgage lender you will have many different types of lenders to choose from. You can choose from savings and loan associations, commercial banks, mutual savings banks, and mortgage companies. The mortgages these institutions offer will have varying features.
Understanding the Truth In Lending Act and How It Will Protect You, The Consumer
Written by: Ethan Deville
People looking to purchase a new home, or looking to refinance their current home often have concerns about the fine print of their mortgage contract and how that fine print will affect the final dollar amount that they pay on their mortgage. The good news is that there are certain laws in place to help protect the consumer from getting a raw deal from the lenders.
30 Seconds to Creating an Awesome Checkbook Balance
Written by: Darlene Arechederra
Have you ever watched a squirrel balancing up on the highwires? He actually makes the balancing act look easy, doesn't he? I always wonder what will happen to the squirrel should he lose his balance. You see, the highwires are not part of his natural habitat. They are manmade, and he has no safety cushion built in to protect him.
Why Forex Trading Is So Popular
Written by: Richard Goldberg
The Forex market is often more appealing to people that like to live on the edge. There is more uncertainty by far and the rewards of knowing when to buy and sell can be immense. For those of you who don't know, the Forex stands for, Foreign Exchange Market.
What Does Short, Long, Flat And Square Mean In Forex Trading?
Written by: Sam Beatson
Short, long, square & flat explained in terms of forex trading (Spot FX).
Developing a 401k Strategy In The Modern Employment Market
Written by: Jason Alba
What is the biggest pain that comes with every job search? I'm not talking about the job search itself, I'm talking about some of the typical "housekeeping" that you have to do. Is it file for unemployment? Is it refigure your budget? Is it developing a new schedule? For me, one of the biggest hassles is figuring out what to do with my 401k account.
Your Home: A Powerful Tax Advantage
Written by: Mark Felder
Afraid of the big commitment? Home ownership is always an excellent investment offering discounts every year and guaranteed retirement savings. It can be one of the best investments anyone can make.
How to Find Financial Freedom
Written by: Kent Jacobson a.k.a. Mr. Success
Many people make finding financial freedom harder than what it actually is. In order to find financial freedom all you have to do is follow a few simple steps.
Tax Free Retirement Income with the Roth IRA and Roth 401(k)
Written by: Daniel Lamaute
Under this year's new tax rules it's possible to have a Roth 401(k) in addition to a Roth IRA for Tax Free Retirement Income.
Retirement: What Should I Save, When?
Written by: Robert Wade
Who can save for retirement? It's hard enough just keeping up with today's expenses. But like it or not, a fairy godmother is not going to appear in your later life to take care of you. You need to plan ahead, and the sooner the better.
Saving for Retirement: Compound and Grow Your Employer Matching Retirement Plan
Written by: James Lange
If your employer offers a matching contribution to your retirement plan, the cardinal rule is: contribute whatever the employer is willing to match-even if it is only a percentage of your contribution and not a dollar for dollar match.
Identity Theft: The New Threat to Your Credit
Written by: Josh Pike
When we think of thieves, images of burglars creeping into homes and apartments come to mind. However, there are new thieves that can take much more than your money or possessions. If your personal information falls into the hands of an identity thief, your credit and finances can be ruined.
Identity Theft: How Can You Protect Yourself?
Written by: Robert Wade
Yes, it can happen to you - from seemingly minor credit card use just one dispute away, to full-fledged devastation where multiple people use your social security number to acquire jobs - making you responsible for thousands of dollars in taxes. Both Gartner Research and Harris Interactive estimate about seven million people have fallen victim to identity theft, which equals 799 people each hour or 19,178 each day. Not all incidents are easy to resolve, either. The average identity theft victim spends 600 hours conducting tasks to recover from the crime, while some never recover.
A Recipe for Good Credit
Written by: Josh Pike
If your credit is not as good as you want it to be, take action now! It's easier than you think to improve your credit.
Credit Score Essentials
Written by: Josh Pike
Most credit scoring systems are calculated from all the different credit data in your credit report. This data is grouped into five categories:
DRiP Investing: Helping Beginners Get a Foot in the Door
Written by: Robert Wade
Are you one of those nay-sayers who feels its simply impossible to save on the meager salary you bring home each month? Do you picture those with portfolios balanced in stocks and bonds as suits-draped Wall Street gurus glued to their Ameritrade account on a daily basis, trading and balancing risk each morning? Think again.
Credit: How to Get It, Build It, and Use It!
Written by: Josh Pike
When Jorge Rojas applied for a cell phone, he hoped that the contract provider wouldn't check his credit history-not because it was bad, but because it didn't exist! Like many people, Jorge paid for most purchases with cash and did not have a formal credit history.
9 Questions To Answer Before You Prepay Your Home Mortgage
Written by: Frank Oakerson
We are all different. At different times in our lives we have different goals and needs. You can ask different experts in financial planning, Texas mortgage brokers, and your banker "should I prepay on my home mortgage?" and you will get answers from "that is the greatest idea" to "that will be the worst financial mistake you will ever make". So what is a person to do? Let us look at 9 things you need to consider and have answered before you "prepay your home mortgage".
Yes! You Really Can Save Money
Written by: Josh Pike
Sometimes, saving money may seem impossible. You buy groceries on Monday, pay bills on Tuesday, and by Wednesday your paycheck has disappeared. However, if you establish a savings plan, you'll "find" money in places you've never thought to look!
Setting SMART Financial Goals
Written by: Josh Pike
Managing your money wisely is the best way to make sure you and your family gain financial security. Money management is also extremely important if you own a business.
Balance Transfer: Can It Get You Our Of Debt?
Written by: Robert Wade
The offers are tempting: 0% for six months or 4.99% for 12 months on balance transfers. Sure, you can cut your rate and pay your balance down faster. But, like everything else in life, do your homework.
Gas Spikes Lead To Alternate Fuel Popularity
Written by: Clinton Douglas IV
Tired of paying from your bottomless wallet for gas prices that can double in no time? Commuting has grown beyond expensive for the average American household, leaving many Americans researching alternative fuel sources. Not only do these alternatives offer new tax breaks, but they can also save a great deal of money at the pump while having a less harsh impact on the environment.
Credit 101: What's It All About?
Written by: Robert Wade
It's important to establish and maintain positive credit, whether you're just starting out or planning for retirement. But most people only have a vague understanding of what that actually entails. Add the onslaught of identity theft to the mix and you have a recipe for disaster. Here are some tips, tricks and techniques you should understand and adhere to:
The 10 Biggest Mistakes In Home Mortgage Refinancing
Written by: Frank Oakerson
If you have owned a home for some time, then likely you have considered refinancing your home mortgage in order to get a better rate on your loan. This decision can be a wise one, especially if your current rate is high and the new loan rate is lower. Not all refinancing decisions are wise, so here is what you should look for to help you avoid the ten biggest mistakes in home mortgage refinancing:
Cohen Research Report Bullish on Pacific Asia China Energy
Written by: James Finch
We reviewed a research firm's report on a coalbed methane company. Cohen Independent Research Group issued a Buy recommendation on the shares of Pacific Asia China Energy (TSX: PCE), calling those shares "grossly undervalued." Why is it undervalued?
Forex in a Nutshell "Crash" Article
Written by: Sam Beatson
The Forex or foreign exchange is also known as FX, and can be traded upon by anyone from home who has an internet connection and some knowledge. Most people have the belief that trading currency is extremely risky and a gamble. However there are many ways to technically analyse the market and identify the pattern of the movement to the point we can instigate "good" trades on a consistent basis.
6 Ways To Buy A Home Without A Down Payment
Written by: Frank Oakerson
Entering the housing market for the first time can be an elusive dream for so many would be homeowners. Down payments, closing costs, attorney fees, and so much more can thwart even the average buyer. If you have credit problems, little or no savings, or a low income, purchasing a home may be out of the question. On the other hand, there are programs available for buyers to help them purchase their first home.
Will "Linked Recognition" Lead to a Cancer Vaccine?
Written by: James Finch
Dr. Lorne Tyrrell pioneered lamivudine as the standard treatment for hepatitis B virus (HBV). Now a success, he observed the drug's shortcomings. Now CEO of ViRexx Medical, Tyrrell hopes his latest development, Chimigen, will offer new hope for HBV, other infectious diseases, and cancer.
Is Homeowners Insurance Enough in the Toughest of Times?
Written by: Brandon Miller
Homeowners Insurance is supposed to protect us in case of disasters. That is what we have come to expect from our homeowners insurance over the years. But what if the disaster is the costliest in U.S. History? What if your insurance agent's home and office were destroyed in the disaster also?
The Good, the Bad, and the Ugly: Why Your Broker May Not Be Recommending The Most Competitive Annuity
Written by: Tom Hamlin
There are over two thousand life insurance companies offering over fifteen thousand different annuities, and they run the gamut from horrific (I wouldn't offer it to an enemy) to outstanding...
Safest Ways to Invest in Uranium Companies
Written by: James Finch
Because of soaring uranium prices, hundreds of companies have formed to capitalize upon the latest craze. How do you avoid being fooled? Look to ISL uranium companies. About 21 percent of the world's nuclear reactors are now fueled by uranium mined using this method. How do you evaluate the many uranium companies now developing their ISL operations?
Online Trading of Stocks - Basic Requirements.
Written by: Akien Stokie
Though there are many success stories, the fact remains that three out of four traders lose money. To be an effective online stock trader, ensure that you get a real-time quote of the stock price you are keen on buying...
Your Retirement Plan Should Be Both Flexible And Allow You To Track Your Established Goals.
Written by: Abigail Vanderbeek
When developing your plan, one of the first things you need to consider is flexibility in your savings.
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