Endowments and Endowment Shortfalls - What You Need To Know
Endowments and endowment mortgages have received a lot of bad press in recent years, amid concerns over falling policy values and accusations of endowment miss-selling.This article attempts to answer some of the questions and concerns you may have about the way endowments work, what's happening to ... more...

Creative Home Equity Strategies for Retirement
The Baby-Boom generation is nearing retirement and it is clear that millions of aging Boomers are financially under prepared. Reasons are many - poor savings habits, rising medical costs, the demise of guaranteed corporate pensions, and the dreaded squeeze faced by many: i.e. having to pay college ... more...

How I Raised My Credit Score 40 Points in 24hrs AND Saved $658 a Month in Interest!
Its never easy to talk about credit. Not with friends, not with family, not online, and, most of all, not with myself. Yes, I let a monthly payment go by here and there. Ive maxed out my share of credit cards. Ive bought cars that I really couldnt afford. I ate out. A lot. At expensive restaurants. ... more...

5 Tips for Savvy Use of Your Home Equity Line of Credit
Tapping your home's equity to pay college expenses, consolidate credit card debt or even to buy a new car or boat is common place. Many economists attribute the additional buying power afforded consumers through home equity debt as a primary reason the nation's economy has been able to emerge from ... more...

Affording a Home
Can you really afford a house? If so, how much house can you afford? To determine this answer will take serious financial planning, and the best time to start is at least six months before buying the home.Although buying a new home may seem like an American Dream or romantic venture, the reality is ... more...

Investment Real Estate -- A New Twist: Be the Bank, Not the Landlord, and Get Rich Without the Work!
I was a landlord for a decade, and I believe I probably lost a year of life for each year I tried to maintain 26 properties. I learned the hard way that the most efficient way to make money in investment real estate is to create a mortgage note and be the bank not the landlord.In other words, you ... more...

Uk House Price Increases Take A Summer Holiday
Property website Rightmove has released its latest house price index announcing a Summer sale for house buyers. The report shows that on average, house prices fell by 1% over the four weeks leading up to 9th July, indicating that the affordability gap between house prices and buyers ability to ... more...

Online Mortgages in 5 Easy Steps!
We're all entitled to the opportunities and benefits of home ownership. But because most of us aren't loaded with cash, we must find banks and lenders to assist us with finance. No matter what your credit history is, or what your circumstances are, the internet has now made this process a billion ... more...

Life Insurance Fears Post the London Bombings Tragedy
Following on from the tube train and bus bomb attacks in London there was a move from several UK insurance companies to reassure victims that claims would be processed quickly and sympathetically. This need for reassurance came in light of concerns that many victims of the blasts would not be ... more...

Are You Suffering from Payment Protection Overload?
Critical illness insurance:Critical illness insurance will cover you in the event of a serious illness such as cancer, coronary artery by-pass surgery, heart attack, kidney failure, major organ transplant, multiple sclerosis and stroke. Additional conditions covered by this insurance can include ... more...

Just What is a Broker?
In most circumstances a broker is a third party to an agreement to purchase a commodity, the item being bought and sold is neither owned nor controlled by the broker who simply acts as an intermediary and is normally paid on completion of an agreement. Brokers who also act as sellers or as buyers ... more...

Bad Credit Home Loans - Pre-Approval is Still Possible With Adverse Credit History
If you are among the millions with less than perfect credit, there are many sources available to you in obtaining a mortgage. Lenders that specialize in mortgages for those with bad credit are competing for your business. The lender will analyze your credit report, credit score, debt-to-income ... more...

Helpful Hints for First-Time Home Buyers
Buying a house can be a daunting task, even for someone who has owned several homes. My husband and I recently purchased our first home together, and it was hard to find good advice that we truly found useful. We had to learn a lot on our own, but at least now we feel comfortable and knowledgeable ... more...