Personal Finance

Double Dip In The Housing Market

January 26, 2011

Housing prices in many cities across the nation are at their lowest level in years. And while everybody has a theory as to why and the comments on the Internet have people blaming the banks, the homeowners, the legislature, the government, the truth probably lies somewhere in the middle. The fact is that is will [...]

Read the full article →

Last In Line, First To Buy?

January 24, 2011

We may not want to believe it but a current study indicates that people with last names that start with the letters from the last part of the alphabet are more likely to jump on the bandwagon and buy something first “before they’re all gone” than people with names that start with letters that come [...]

Read the full article →

Not To Early To Think About Your Taxes

January 20, 2011

Even though you have until April 18 this year because of some obscure holiday, it is still not to early to consider filing your taxes. Don’t wait for the mail because this year you won’t get it. The IRS has confirmed that they will no longer mail paper tax packages including the instruction booklet, Publication [...]

Read the full article →

Credit Card Solicitations Increasing For a Few

January 6, 2011

Have you checked your mail for credit card solicitations lately? After credit card solicitations went down to their lowest level in over 16 years it appears that they are again on the rise, this time with higher interest rates but larger, bigger and better perks. That is if you have good credit. New regulations have [...]

Read the full article →

Ask For Info, Decrease Your Credit Score??

January 5, 2011

In an interesting article from the Huffington Post, an individual requested information from his mortgage servicer, Bank of America, about who actually owned his mortgage. He did this through a website called “Where’s the Note?”. As a customer you actually have the right to know who owns your note. However, after initially declining to tell [...]

Read the full article →

The Taxman Delayeth

January 4, 2011

Is delayeth a word? Nope, it’s not, but you still get the gist of it. Tax day, that day that we all know is always April 15, will be delayed this year until April 18th. So in 2011 the taxman will cometh and you will have to file and pay by April 18th, 2011 due [...]

Read the full article →

Housing Market Crystal Ball

December 17, 2010

So what is going to happen with the housing market? Many people want to repair their credit so that they can actually buy a house and the truth is that the housing market affects us all, whether we rent or own, the housing market affects you unless you are living under a viaduct and if [...]

Read the full article →

Debit, Credit, Cash

December 15, 2010

There is an advantage to using a debit card over a credit card…at least you’re only spending what you have and not charging and paying interest. But using a debit card can cause some problems that you don’t get with a credit card. For example, phantom charges. Phantom charges can show up when you use [...]

Read the full article →

Considerations Before You Refinance

October 19, 2010

Theoretically it is a great time to refinance your home mortgage. Theoretically, got that? Interest rates are at record lows. Today, you can get an interest rate for as low as 3.75% on a 15-year note and 4.39% on a 30 year note. Those are pretty amazing rates. But with plummeting home values you may [...]

Read the full article →

Learn All About Mortgages Before Shopping For A House

October 15, 2010

The largest purchase that many of us will ever make is the purchase of our homes. And even though it is possible to pay cash for a home, most of us do not have that much cash available and therefore we must get a mortgage in order to buy a home. A mortgage is a [...]

Read the full article →

← Previous Entries

Next Entries →