Home Ownership Dream
One of the American Dreams is Home Ownership! But just how achievable is that dream for the ordinary Joe in the street?I would say these days that the Home Ownership dream is more achievable than ever before.We are more financially aware than our grandparents which gives us an advantage when it ... more...

What Is A Personal Loan?
Personal loans can be divided into two categories: secured personal loans and unsecured personal loans. Homeowners can apply for a Secured personal loan (using their property as security), whereas tenants only have the option of an unsecured personal loan. Below is a more detailed outline of both ... more...

Bill Consolidation Company Basics
Bill consolidation companies handle payments for your accounts and lower your rates. They can also negotiate waivers for late payment fees. Before signing up with a company, you will want to compare rates and terms. You also need to monitor your payment statements to be sure there are not errors ... more...

What is a Remortgage?
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 remortgage can also be used to raise additional finances by releasing equity in ... more...

What Kind of Business Should I Start?
Its not uncommon to reach your 30s, 40s or even 50s and still wonder, What do I want to be when I grow up? Few people are fortunate enough to be certain of their destinies early on and the rest of us are forced to do some soul searching.The desire to own a business is becoming more common as ... more...

Non-conforming Home Loans vs Conforming Loans
The simple definition of a "non-conforming home loan" is: You have a job and can make the payments. Your credit is used only to determine your interest rate and the loan amount to value of the home ratio. This ratio is referred to as your "LTV" or "Loan To Value". There are many lenders who will ... more...

Buying Property in Spain
You have made the decision to move to Spain and are now looking for a property to buy? Where do you start? Firstly, I would suggest you go on to the internet and look at the various agents that are offering properties for sale in Spain. Many of these companies are run by people who have already ... more...

Top Tips for First Time Home Buyers
Advice to Help When You're Buying a HomeFirst time home buyers might feel better to know that they're not the only ones who feel confused about the process of buying a home. Nearly all home buyers feel the same way, even if they've bought a house in the past, because it's easy to forget the home ... more...

Buying New Construction...How Do I Begin?
The prospect of shopping for a new construction residence can be quite daunting, but the rewards of owning a brand new home out-weight the disadvantages if you know the potential pitfalls. The following are important considerations: Overall Dollar Budget, Location, Cost Per Square Foot, Finishes, ... more...

A Life Time of Strategic Thinking
You may be one of the thousands who think Strategic Thinking applies only to the captains of business. But consider human stages of life and how Strategic Thinking is used at the most rudimentary level.The first weeks after birth, your Strategic Thinking is getting others to give you food, comfort ... more...

What Your Mama Never Told You About Debt Consolidation Services
When someone is extremely deep in debt, and he or she has no other options to prevent bankruptcy, debt consolidation can be his or her savior. Debt consolidation can also be a very wise choice for someone who has many debts on high interest credit cards. Debt consolidation, quite simply, is the ... more...

Budgeting: A Tough Love Way to Handle Your Household Budget
Developing and living by a household budget is by far the best way to get your expenses under control which, in turn, can mean a much less stressful life.However, many families find it very difficult to stick to a budget. It does take hard work and a lot of self-discipline, at least in the ... more...