This is part four in a five part series on what you need to know about mortgages before you buy a home. The housing market is an interesting beast, because it comes and goes, rises and falls, allows some people to flourish and brings others to ruins. If you want to understand how the housing [...]

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• Introduction to Mortgages pt 3 of 5 This is part three in a five part series on what you need to know about mortgages before you buy a home. The housing market is an interesting beast, because it comes and goes, rises and falls, allows some people to flourish and brings others to ruins. If you want......
• Different Types of Short Term Investments Short term investments are the most ideal form of investing if you want to invest over a period that is relatively short. Cash manager accounts make it possible to access your money whenever you need to. Fixed term deposit investments secure your money for the entire length of the term.......
• Should You Pay for Your Child's College Education? Paying for college for yourself or for a child can drop you into debt faster than many other things. Aside from huge disasters like medical emergencies or a home fire, more people get into higher debt by paying for college than any other reason. The best advice for long term......
• Loans and the Credit Crunch The credit crunch is a hot button issue right now, raising red flags in the eyes of consumers not only all over the United States, but also elsewhere in the world. When the economy in the United States begins to have difficulties, the rest of the world is going to......
• Untapped Riches: Never Pay Off Your Mortgage--and Other Surprising Secrets for Building Wealth by Susan Cutaia, Anthony Cutaia and Robert Slater On the surface, this book seemed like the ideal read. It has a strong premise of how to create multiple streams of income using debt leverage. That is a great premise and one that we follow and put into practice every day. It was such a disappointment that this book......

Continue reading → Introduction to Mortgages pt 4 of 5

The housing market is an interesting beast, because it comes and goes, rises and falls, allows some people to flourish and brings others to ruins. If you want to understand how the housing market works, you should begin with an introduction to home mortgages. This is part one in a five part series on what [...]

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• Keeping Track of Cash Flow - Your Household is Your Business You should create a budget to track your spending and get a handle on your finances. You plan out all of your bills, and the amounts look good. The budget is the first step in getting your finances under control. However, the budget is not the only step. There is......
• Getting Out of Debt Quickly pt 4 This is part 4 of a 4 part series on getting out of debt quickly. Make sure that you read all four parts in order to get the most out of this sequence of hints on getting yourself or your family out of the debt trap. If lenders happen to......
• The Many Flavors of Loans Money can be lent to those in need, at a reasonable rate, from a pool of money that comes from investors and savers. When the lending institution provides money for consumers to borrow, either secured or unsecured, the practice is known as providing a consumer loan. These loans do not......
• Budgeting While in School When you are a college student, you may think that planning out a budget is simply a waste of time, because why does a college student need a budget? No matter how young or old you are, having your own budget is vitally important, and this actually happens to be......
• Paying off Debt in 9 Steps pt 1 Throwing away your bills and shredding your credit card payment reminders simply is not going to make the problem go away. Debt is going to hover over you until you find a way to deal with it. Interest will continue to compound, and payments will continue to climb until you......

Continue reading → Introduction to Mortgages pt 1 of 5

Money can be lent to those in need, at a reasonable rate, from a pool of money that comes from investors and savers. When the lending institution provides money for consumers to borrow, either secured or unsecured, the practice is known as providing a consumer loan. These loans do not include loans such as mortgages, [...]

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• What You Need to Know Before Going Into Debt Let’s face it, if you want to get ahead in today’s world, you’re going to need to go into debt, at least a little. The key is managing your debt properly and avoiding common traps. Not all debt is bad, even if we have been trained to think that it......
• These Things are Hurting your Credit Score A person's credit score has become very important in this day and age. Your score is what creditors and lenders look at to quickly decide if you are a good or bad risk to lend credit to. It is important that you learn what types of actions hurt your score......
• Freeing Up Breathing Room in a Tight Budget If your budget is so tight that you feel like you cannot find room to breathe, then you are probably in need of some way of freeing up your cash so that you can relieve some stress. While you may not necessarily be in a position to be able to......
• Credit Karma -- Free No Strings Credit Scoring Never before have Americans been so interested in their credit scores, and as such, numerous sites have cropped up offering to sell them. It can get pretty expensive if you want to keep checking your score with these sites and many people discover hidden monthly fees that rack up quickly.......
• Using Credit Cards to Make More Money When it comes to credit cards, most of us think of them as a way to get things we really want right now. We may not actually "need" these things, but we sure do want them. Whether it's a new couch, a new stereo or even a new wardrobe, we......

Continue reading → The Many Flavors of Loans

A few years ago if you referenced the term “credit crunch”, most people would be puzzled. Today barely a single day can pass without the phrase seeing consistent if not constant use in the newspapers and on television. The credit crunch is a crisis that is affecting numerous financial institutions and banks, and has been [...]

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• Should You Pay for Your Child's College Education? Paying for college for yourself or for a child can drop you into debt faster than many other things. Aside from huge disasters like medical emergencies or a home fire, more people get into higher debt by paying for college than any other reason. The best advice for long term......
• Things to Have Removed from your Credit Report pt 2 Continued from part 1. 3 - Charge Offs. When you do not pay off a credit card account or a loan account for a period of three to six months, your creditors are generally going to assume that your account is non collectible, or that it is in default. When......
• Where Do Small Businesses Go Now? Credit and money are still in really tight places, and this is absolutely no secret. What is unknown in the current economy is what small businesses should do and where they should go now. Many small businesses are finding themselves struggling and even drowning in an attempt to overcome the......
• 9 Steps for Establishing Credit Credit is the catch all term for the act of lending money. It can take the form of a credit card, in which the lender buys the things you want and you pay them back. Loans are where you have the money given to you with the promise to pay......
• Tips for Paying Off Student Loans Right now, the student loan industry is going through one of its worst periods in decades. New Federal regulations have forced many banks to stop offering student loans, and students are being forced to either find a direct loan or start paying back what they owe. Enrollment figures are being......

Continue reading → Resisting Panic: A Quick Guide to Surviving The Credit Crunch