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HUD's Proposals For Reform
October 19, 2002 On July 29, 2002, HUD released a set of proposals to substantially change the ways in which home loans are originated in the US.  As usual, the proposals were open for comment, and many thousands of them were received.  Mine was among them, and is shown ... more...

Questions About Title Insurance
December 16, 2002 "What is title insurance?"   Title insurance is protection against loss arising from problems connected to the title to your property.   Before you purchased your home, it may have gone through several ownership changes, and ... more...

mortgage prices credit cards bad real estate property insurance related definitions

Equal Credit Oportunity Act
Equal Credit Oportunity Act (ECOA) Is a federal law that requires lenders and other creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status or receipt of income from public assistance programs. ... more...

Closing Costs
Closing Costs Expenses incurred by the buyer and seller in a real estate or mortgage transaction. There are two types of costs: recurring and non recurring. Non-recurring costs are one time transactional costs ... more...

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Credit Card Rewards to Suit Your Personality
Before you rush out to find a card that fits your personality, you first need to determine which types of credit cards you may qualify for. To help you understand what cards you may qualify for, here's a guideline: You may only qualify for secured cards or guaranteed approval shopping cards if ... more...

Easing Your Financial Burdens With Credit Counseling
It is a well-publicized fact that more of us are getting ourselves into greater debt, and this may be true for you. The embarrassment of your financial situation can mean you are unlikely to seek credit counselling or other credit management solutions. Increased house prices and greater cost of ... more...

Housing Froth Creating Imbalance for Consumers and Investors
Home buyers and sellers should think twice before jumping into over-heated real estate markets. Fed chief Alan Greenspan feels the housing boom is economically imbalanced or uneven. New liquidity in real estate assets could disappear if interest rates raise on feelings from investors that risk ... more...

Should You Use a Property Management Company or Manage Your Real Estate Investment in Florida?
When considering investment properties, first of all, it must be determined that it is profitable and a good idea to purchase rental properties. Lets talk about this aspect. Owning rental property produces rental income which, if after expenses are deducted produces a profit, would be viewed as ... more...

How Do I Lower My Auto Insurance Premiums?
It seems as though the price of everything is on the rise. The amount a house may have cost in the early 70s is how much you will pay for a new car in the 21st century. Oil companies have used the problems in Southwest Asia as an excuse to send gas prices through the roof. And the cost of peace ... more...

The Value of Foreclosed Property
The discount on a foreclosed property is not as great if the state allows deficiency judgments by lenders against borrowers. In contrast, the discount is larger if the property is being sold in a state that requires foreclosures to proceed through the judicial system. Lastly, appraisals seem to be ... more...

Debt! Do You Want to Get Out of Debt?
Everywhere you go everyone is saying the same thing: "I can't keep up with my bills!"It seems as though as soon as you manage to pay one stack of bills, the month flicks over and then in comes the next lot. Rising utility costs, ongoing taxation at every level, rising fuel prices and higher food ... more...

Buying A Car - Four Tips for Car Buyers
Americans like to buy a car at the dealership in one afternoon, and the dealerships try very hard to make you think that is possible and even smart. But its not. Realize how big a purchase a car is. And it is complicated.Buying a car is the second-largest purchase most people make after buying a ... more...

Dress Your Kids In the Best For Less
Every mum wants their child to look good but it can be hard to find fashionable and good quality clothes that are also affordable. As a mother of seven young children I have, over the years, developed a knack to finding clothes that my children want to wear and which also dont hurt my purse strings ... more...

5 Simple Ways To Lower Your Monthly Bills And Save Lots Of Money!
Here you're going to learn several ways to save money every month by lowering your monthly bills.There are lots of ways to save money, no matter how much of it you have - or don't have!Having struggled for many years paying my own bills, I learned many ways to save money. From simple things like ... more...

Why The Vacation Home Sale Market Is Unsustainable
The rental market and Vacation Home sale market is unsustainable. Property prices are still rising by appalling amounts.Yes thats great on the surface, but match todays house prices with what people are quoting for rentals. Anybody seen a 20 or 30% rise in their income from guests?Anybody seen ... more...

Long Beach Home Equity Loans
Most people think of Long Beach as the ideal place to live and if you won a home there you may be considering taking out a home equity loan so that you can have some extra cash to really enjoy yourself.Obviously, the first stage in obtaining a Long Beach home equity loan is to calculate how much ... more...

How To Get Top Dollar For Your Home Fast
1. Time is money when selling your homeAfter you've made the decision to sell your home, the longer it remains unsold on the market, the more it costs you. Many home sellers feel it's very important to receive close to their full asking price. But they overlook the additional months of carrying ... more...


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