How Bankruptcy Affects Student Loans
The vast majority of government student loans cannot be gotten rid of easily, even filing for bankruptcy will not resolve these debts. The only way that these types of loans can be taken care of in bankruptcy is if you can prove that they are a substantial hardship on you and your finances and this ... more...

Refinance Home: Distilling Cash by Renewing Home Loan
Refinance home is in vogue especially with reduction in interest rates. Refinance is still going strong with 40% of the home loan applications being filled in for refinancing home loans. Homeowners realize that there is enough equity in the home to refinance and convert into cash and credit. Few ... more...

Marketing Hat for Graphic Designers or Wannabes
Many people think that the quality of any graphic design is determined by how aesthetically pleasing it is: Although making the card look good is important, this couldn't be further from the truth. The only true measure of any design, at least commercially, is "How well does it pull?". By pull we ... more...

Why Every Homeowner Needs A Home Equity Line Of Credit
It's common knowledge that banks are more than willing to loan you money when you don't need it. But if you hit a rough spot in your financial life and need cash desperately. It's like pulling teeth to get the money you need.In other words it is much easier to get a home equity line of credit when ... more...

Reinventing Real Estate, Part 1: Online and Empowered Consumers Are Taking Charge and Paying Less
For decades, the real estate world turned in a predictable manner. The roles of buyers, sellers and real estate professionals were fairly well defined and transactions followed a predictable path of yard signs, newspaper ads, open houses and miles of paperwork.Recently, online and empowered ... more...

3 Strategies For Buying Property With No Money Down
Everyone has heard a story or read about someone who bought a property without paying a single dime as a down payment. But how does this work?There are several "classic" methods commonly used to purchase real estate with no money down. There are an infinite variety of situations in a real estate ... more...

Don't Sell Your House--Ever!
Keeping your existing house when you buy a new one could be THE most profitable financial decision you could make. Consider the following:1. Second stream of income: When you move to another place and keep your current house as a rental, this gives you an extra stream of income.2. Pay less tax: ... more...

Thought Fixed Rate Will Give You a Respite from the Perils of Variable Rates! Think Again
Slight increases in the interest rates raise your hackles. Tension grips your mind as to how you are going to make the extra payment. Preparations begin right then to provide for the repayment, though it requires a huge cut in the monthly expenses.Cautious is what describes your state. A fixed rate ... more...

40 Year Mortgages - Are They Right For You?
A 40 year mortgage, with either fixed or adjustable rates, is starting to receive more attention in the mortgage business. With interest rates rising and real estate prices booming in 2005, lenders are starting to offer the 40 year mortgage as a viable option for buying your dream home.Although ... more...

Refinance Your Home to Payoff Debt: Pros & Cons
If you own a home, you may apply for a refinance debt consolidation loan or I call it the (RDC Loan). This type of loan will allow you to have only one payment every month. This should give you a little relief and free up some cash for you. You may also be more attentive in paying your refinance ... more...

Mortgages 101
Finding the perfect mortgage is like finding your dream home; it takes lots of work. You may find that you have a few questions about mortgages. Buying a home can be a very stressful time, but through a little education, you can understand every step of the process in securing your financing.Dont ... more...

Are You Having Difficulty Meeting Your Financial Obligations?
Many individuals are experiencing difficulties meeting their financial obligations from month to month and the monthly payments are overwhelming and creating unnecessary stress and frustration. However, it is imperative that you find a way to meet your monthly obligations in order to maintain a ... more...