Making Sense of the Information in Your Credit Report
If you've ever applied for a credit card or loan, youve probably had your credit report reviewed by the lender. Your credit report has a huge impact on your financial future, so its well worth your time to be sure that you understand what your credit report says about you.Even if youre not ... 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...

Cash Now For Your Real Estate Contract
BACKGROUND AND FUNDAMENTALSThe private mortgage industry is a relatively young business with roots that can be traced directly to the emergence of seller-backed, or owner, financing. Prior to the very high interest rates of the late 70s and 80s, seller-backed financing was not a common financing ... more...

You Can Bank Online
It used to be that banks were service providers who were open late and made their money by investing the money you deposited with them. For depositing money with them, they would pay you a little bit of interest.The times, they are a-changing!How times have changed! Nowadays, you will be lucky to ... more...

Anatomy of an Online Marketing Failure
Wife: "I'm getting sick of these harrassing bill collectors who call me all hours of the night and day."Husband: "I know Sweetheart. I'm going to turn things around financially for us. Bill, down at the office, says that there's lots of money to be made on the Internet. I think I'll go to him for ... more...

Payday Loan Companies - Are Their Rates Too High?
Payday loan companies do provide cash at higher rates than other types of credit programs. But these rates are for short periods, so fees are often small. While payday loans are not for every credit situation, they can help during a financial emergency.Are Rates Too High?Payday loan rates are ... more...

To Stay Married, Keep Dating
One of my favorite memories from last year was not watching my young daughters rip into their Christmas presents, or seeing them perform in the school talent show. No, my happiest recollection was the date my husband and I went out on one stormy Tuesday night in November.A few days before, wed had ... more...

Could You Be A Workaholic?
If you need to put on boots and grab a lap-top computer to relieve yourself at night, you might be a redneck workaholic.It never crossed my mind that there could be such a thing as a redneck workaholic, until I read a column on Are you a workaholic?Did you read this?" I asked my wife. "Are you a ... more...

Planning for Your Financial Future
Two heads are better than one, so sit down with your spouse and plan out your financial future together. Prioritize your bills.By determining which bills to pay in which order, you'll get in the habit of making sure your essentials are always paid first.Be careful using credit. Sometimes a ... more...

Using Credit Cards Wisely
Using credit wisely is a good habit that, with only a little financial education, you can learn quickly. Using credit cards wisely will enable you to save money by avoiding late fees or penalties for exceeding credit card limits. You can even learn how to pay NO interest and have your credit ... more...