What are Secured Loans?
A secured loan is simply a loan that uses your home as security against the loan. Secured loans are suitable for when you are trying to raise a large amount; are having difficulty getting an unsecured loan; or, have a poor credit history. Lenders can be more flexible when it comes to secured loans, ... more...

Real Estate: Financial Considerations $$$
Raw land as opposed to improved property is much more difficult to finance through traditional lenders. The main reasons are that it generates very little income, development costs can be expensive, there are no buildings or improvements that can be used as collateral, and it is often considered ... more...

Home Buyers Your Price, Not the Listing Price
Here is your opportunity:The media by blowing out of proportion minor interest rate increases has given home sellers concern about the market slow downs, and possibly being stuck with the house. You may be able to get a discount on a home if look closely and are ready to buy quickly.Start today by ... more...

Using Home Equity Lines for Holiday Spending
Obviously, paying for purchases with cash is always best. However, if you just can't scrape up enough money for the holiday season, you might certainly consider using home equity. All loans considered, a HELOC is your cheapest source of money, especially given current mortgage rates. Also, ... more...

Insurance Glossary
Assured - Those insured under the terms of an insurance policy.Benefit - The money paid to the policyholder when a claim is made.Bid Price - The selling price or cash-in value of your unit holdings.Bonus - Relates to a with-profits policy. The amount of money added to the benefit payable under the ... more...

The Greatest Stedilnica Crisis in History
A crisis the size of the TAT crisis, is, inevitably, political. It involves thousands of citizens, many decision makers from every walk of life and the very economic and financial fabric of the country.But, the TAT crisis pales in comparison with other, similar, crises in other countries in the ... more...

Insurance Glossary of Terms
Assured - Those insured under the terms of an insurance policy.Benefit - The money paid to the policyholder when a claim is made.Bid Price - The selling price or cash-in value of your unit holdings.Bonus - Relates to a with-profits policy. The amount of money added to the benefit payable under the ... more...

How Healthy Is Your Credit
Theres only one way to discover the health of your credit. You need to examine your credit report. Your credit report is your consumer identity that potential lenders will use to judge your credit worthiness.Use these tips to give your credit profile the tune-up it needs for 2004.Tip #1- Check ... more...

Benefits of a Remortgage
There are many benefits in choosing a remortgage, some of which are listed below.A remortgage is changing your mortgage without moving your home.Remortgaging is the process of switching your mortgage to another lender that is offering a better deal than your current lender thereby saving money.A ... more...

Bridge Loan
A buyer of a new home may find himself or herself in an awkward position when he or she is unable to come up with the promised down payment on account of the existing home not being sold before closing on the new home purchase. This puts the deal to buy the new home in jeopardy. To emerge from this ... more...

Overwhelming Debt? Bankruptcy May Be Your Way Out, But Maybe Not
Things are bad, really bad. They have to be for you to be considering bankruptcy. Its true that bankruptcy can wipe away your debts, or most of them anyway. Taxes are exempt from bankruptcy protection. You can declare bankruptcy, but if a substantial portion of your outstanding debt is back taxes, ... more...

Credit Scoring: What You Don't Know Can Hurt You
You've probably heard the term credit scoring. You may have some idea that your credit score can have an effect on your life. For example, you may understand that when you apply for a mortgage, the mortgage company will check out your credit score.But did you know that the interest rate you can get ... more...

How To Choose A Credit Card
Your credit score may just be a little number, but it packs a big punch. A poor credit score can keep you from getting a mortgage or a car loan. In addition, your credit score may haunt you for a long time if it suddenly drops. Of course, if you have a good credit score it opens a lot of doors for ... more...

10 No Money Down Ways to Buy Real Estate
Turn the Television on any Sunday morning and youll find yourself in the middle of a how to buy real estate infomercial. Can you really buy a house with no down payment? Can you really make thousands or millions of dollars buying real estate. Of course the answer is yes and no. The real question is ... more...

Are Mortgages a Risky Business?
A bank or mortgage company is nothing more than a box in which to keep money. The owner of the box has to do a few calculations. Firstly, how much is he going to offer those people who deposit cash in his box, in return for such a deposit? Secondly, how much of that money should he keep as cash in ... more...