|
|
 |
 |
A Good Job, Or
Health Insurance?
Should companies continue to provide health insurance to
their employees?
Most people are fortunate enough to have ... Read
more
A Piece Of The Puzzle
Most people consider “achieving wealth” as a mystery. It
is thought that the management of money re... Read
more
A Sign of the Times
Traditionally, California has had a low foreclosure
rate. However, in the last quarter of 2006, 37,273
Default Notices were sent to California Homeowners; an
increase of 36.9% since the previous quarter. ...Read
more
Americans Feel Optimistic About Growth and Prosperity
The effects of higher interest rates and energy
prices, combined with decreased home price availability
have reflected a cooling-off period of the housing
market. ...Read
more
Are We Being Legally Mugged?
As the FAT CAT Oil Companies get richer by the day,
the average American is working harder and lon... Read
more
As Savings Begin To Fall
As more and more people are becoming dependent on
credit cards and borrowing, saving accounts have n... Read
more
Credit Repair: Is Self Help Best
For You
It now seems almost impossible to turn on the TV or
open a newspaper any more without seeing another... Read
more
Death and Taxes
“In this world nothing can be said to be certain,
except death and taxes” Benjamin Franklin I, like... Read
more
Divorced and Deep In Debt, It's Not All Doom And Gloom!
Almost half the letters I receive daily are from
recent divorcees and for the most part their stories go
something like this:
"The cost of my recent divorce has eaten up
almost all of my 401(k) and I have been left deep in
debt. I still own a home, although there is no equity
left in it. I recently made the mistake of leasing a new
car with insurance and lease payments that are the size
of my house mortgage. ...Read
more
Don't Wait On Appreciation, You Could Have Negative
Equity
What is home equity? Equity is created when all your
debts secured by the property are subtracted from your
house value. As long as homeowners make the monthly
payments, they see themselves as tenants and do not
bother themselves with negative equity. But homeowners
that are looking into the future, view negative equity
as a curse. ...Read
more
Getting Out Of Debt, The Smart Credit-Card Plan, The
Perfect Paydown Strategy
Behavioral economist Meir Statman, recently said
"getting out of debt is the financial equivalent of
trying to quit smoking." Just like any bad habit,
good intentions alone will not be enough. To ensure
success, we need to break our underlying patterns of
behavior. How is it we live in the richest most powerful
country in the world, but the average American is more
than $11,000 in debt. ...Read
more
Identity Theft Hits Record Levels
In a country that prides itself on innovation and a
citizen's right to privacy, why are we still living with
the most antiquated personal credit scoring system in
the world? Our SSN (social security number) is the key
to our financial existence. It allows the world to see
the good, the bad and sometimes the downright ugly. ...Read
more
Insurance Companies: "Our Fair Weather
Friends"
As the hurricane season gets underway, thousands of
homeowners have started receiving unwanted letters from
Allstate Insurance. The letter begins with, "We're
writing to you with what we know is unfortunate news
...Read
more
Interest-Only Or 50 Year Mortgages - Do They Really Make
Sense?
With hotspots like Las Vegas, much of California and
Florida still enjoying a lucrative real estate market,
many banks and mortgage companies are now spreading out
payments over 50 years to make them more affordable.
Prior to these 50-year mortgages, interest-only
mortgages were promoted and sold as the way to go. The
real question here is which is better? ...Read
more
Investing In Tax Liens / Tax Deeds For Higher Returns
With large numbers of Americans now looking for safer
investments for their long-term wealth building
programs. Most want higher returns than they can get
from putting their hard earned money into Bank CD's.
Many are seeking information about Tax Liens. Investing
in Tax Lien/Deed certificates can, and will, enable you
to realize safe, annualized returns that are guaranteed
by the United States Government. ...Read
more
Is Real Estate Still The Road To Riches?
With home sales slowing down and condo prices
slipping, sellers all across the country seem unable to
achieve their asking price.
Christopher Mayer, a Columbia University economics
professor said recently "If you're expecting a
short-term gain, you should be looking elsewhere,"
he had argued for many years that land shortages and
rising populations would translate into ever-rising
prices in the "superstar" cities like New
York, San Francisco and LA. ...Read
more
Loans Just Aren't What They Used To Be
There have been some recent changes regarding federal
loan payment options. A "guidance" report was
published on September 29, 2006 that spoke on the issue
of mortgage payment options available to the public. The
Federal Reserve, the Office of Comptroller of the
Currency, the Federal Deposit Insurance Corp, the
National Credit Union Administration, and the Office of
Thrift Supervision all contributed to the
"guidance" report. ...Read
more
Money Makeover
You come home after a long day at work only to find
numerous unwanted bills in your mailbox. As you sift
though them, you start to get that sinking feeling. You
know there is no way you can afford to pay all of them
on time. It's at this time that you remember that you
have a vacation coming up and you want to make the most
of it. What you really need now is a money makeover and
this is how you do it. ...Read
more
Our Own Homes Are The Mother Of All Tax Shelters
When it comes to tax shelters, there's no better or
safer place than our own homes. There are a vast number
of companies out there spending a lot of money on
advertising trying to convince us that we should be
sending our hard earned dollars to some island in the
sun, where (for a nice fat fee of course) they will keep
our money safe and out of the hands of the IRS. ...Read
more
Private Mortgage Insurance vs. Credit Insurance Which
One is Right for You
Do you want to buy a house but are worried about how
you will pay for it? Of course you are, and as
frightening as the cost of loans are at the moment there
is no need to worry because your loans are protected.
When you start looking into mortgage or personal loans
you will discover the term "credit insurance."
Credit insurance protects the loan on the chance that
you can't make your payments but it is usually optional.
...Read
more
The Top 3 Estate-Planning Tips
Benjamin Franklin said on more than one occasion,
"In this world nothing can be said to be certain,
except death and taxes." Knowing this, why do so
many Americans fail to keep an up-to-date Estate Plan.
You would think the last thing we would want to do is
pass away without ensuring the well-being of our loved
ones. Most of us would agree that death is not the
easiest subject to talk about, but we really should be
prepared for all the legalities that follow our death. ...Read
more
To Foreclose Or Not To Foreclose?
It is very unfortunate that about half of Southern
Californian home owners are having issues paying their
mortgages. Some homeowners are having to adjust to a
spike in the adjustable-rate and they cannot handle it.
For many that's a 20 percent to 30 percent increase in
their home loan repayments! Insane, isn't it, ...Read
more
What Really Happens When You File For Bankruptcy
It is very unfortunate that about half of Southern
Californian home owners are having issues paying their
mortgages. Some homeowners are having to adjust to a
spike in the adjustable-rate and they cannot handle it.
For many that's a 20 to 30 percent increase in their
home loan repayments! Insane, isn't it. ...Read
more
What You Should Know About Those Debit Card Overdraft
Fees
I know that there are times when I would rather use
my credit card to make a purchase but my conscience
tells me to use money that I have, not spend money that
I don't have. For the most part I listen to my
conscience. I have, like most people, experienced a few
overdraft fees in my life-time because of it. ...Read
more
|
|
 |
|
|
|
