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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...

Annual Percentage Rate Below Interest Rate?
November 5, 2001 "In checking advertisements by mortgage lenders, several showed APRs on fixed-rate mortgages that were lower than the interest rate.  Is that possible??? In principle, it is possible and some lenders do it.  But in many cases, the computer ... more...

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Get instant on-line mortgage rate quote and closing cost estimate. Only put your loan numbers. No contact info required. Compare offers from top mortgage lenders... more...

Benefits of a Debt Consolidation Loan
There are many benefits in choosing a Debt Consolidation Loan, some of which are listed below:May be able to reduce your monthly payments.Can take off some of the pressure you may be under from your existing creditors.You will have only one creditor to deal with.Lower monthly repayments than ... more...

Debt Consolidation Solution How To Know What Your Solution Is
If youre struggling with debt, you may find that debt consolidation could be your solution. There are a few basic types of debt consolidation, and familiarizing yourself with their primary features will help to choose the best debt consolidation solution for your individual financial situation.Debt ... more...

Secrets of Making Money from Real Estate - Part 1
There are three investment vehicles which can make you rich. Stocks, businesses, and real estate.Stocks can return lots of money in a short amount of time, and can have a steady rate of return using investing techniques such as dollar cost averaging. However, but how much stock do you think you can ... more...

Five Proven Methods For Increased Internet Sales
There are hundreds of ways that you can promote your online business or website, some more effective than others. These five proven methods will help you to generate traffic to your site and also to generate income into your wallet.1. One thing that appeals to everyone is free. If it is free ... more...

How Do I Know Whether or Not I Will End Up Saving Money When Refinancing My Home Loan?
To save money, you must live in your house longer than the "break-even period" the period over which the interest savings just cover the refinance expenses. The larger the spread between the new interest rate and the rate on your existing loan, the shorter the break-even period. The more it cost ... more...

4 Debt Reduction Tips
If you are overwhelmed by debt, there are options you can take that will help you pay off what you owe without the stigma of filing for bankruptcy. Well examine four ways you can get your debt under control and start working back on the road to financial recovery.1. Contact your credit card ... more...

Home Refinancing for People with Bad Credit - How to Avoid High Fees
Avoiding high fees when home refinancing with bad credit is as important as finding low rates. With fees adding up to thousands of dollars, make sure that you are getting the best deal by comparing lenders. Also look at other types of credit to securing cash out financing.Ask About Closing ... more...

Home Loans and Mortgages Beware of Deed Theft Scam
The average home in the United States has a value of $206,000, a record amount. Real estate prices have been rising throughout the country during the last five years, and homeowners have seen the value of their property skyrocket. In California alone, the equity in private homes has increased by ... more...

Poor Credit Mortgage - Overcoming Financial Slumber
There is a huge market for homeowners who have credit issues like - poor credit, sub prime loan borrowers. Some years ago what was seen as a sure sign of frustrated mortgage attempt is now opening a new variety of mortgage called poor credit mortgage.There are loan lenders who specialize in giving ... more...

Yikes! My Child WONT Share! What Do I Do?
Years ago my husband and I attended a parenting class and one thing that stands out in my mind from that course was something very simplistic that the trainer said. He asked the question, "If your kid doesn't like broccoli, what should you do?"I thought for a minute while he paused and the ... more...

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