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Should Upfront Fees on a Reverse Mortgage Deter You?
7 March 2005 Reverse mortgages allow elderly homeowners to cash-out some or all of the equity in their houses while preserving the right to live there as long as they want. This occasionally creates an inter-generational difference of opinion, as illustrated by the following ... more...

Which Adjustable Rate Mortgage Index Is the Best?
February 7, 2000 "Could you tell me which ARM index is best for the borrower, and why?" An ARM's index is used to set the interest rate, subject to any rate caps, after the initial rate period ends. For example, a ... more...

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Negative Amortization
Negative Amortization Negative amortization, also known as Neg Amortization, NegAm, NegAmMort, occurs when borrower pays back less than the full amount of interest owed to the lender each month. The difference betweeen full interest and paid amount is added to the total amount ... more...

Adjustable Rate Mortgage, ARM
Adjustable Rate Mortgage (ARM) Also known as a variable rate mortgage. The interest rate on these mortgages changes periodically. Variable or adjustable loans are loans whose interest rate fluctuates over the period of the ... 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...

Emancipation
Direct Answers - Column for the week of September 8, 2003When is it time to divorce a family member?I've been helping my partner manage his father's long-term care. This entails working with his brother who controls the purse strings. My partner and I are both artists, juggling multiple careers ... more...

Bodybuilding on a Budget - It Doesn't Have to Put Your Wallet in a Wheelchair
As you probably remember the last time you looked at a proposed grocery list or visited the nearest supplement store, you realized you needed to take out an equity loan first in order to get your months supply of food and supplements.Believe meIve had my fair share of large bills especially when Im ... more...

Debt Recovery Can be Easy
OK, so you are up to your head in debt. You are stressed out, it is now affecting the way you function and absorbing most of your daily thoughts. You have no idea what to do.OK, first things first. Take a step back and try and look at things with a clear head. Your debt is manageable. If you ... more...

Learn The 15 Debt Elimination Steps You Must Take Immediately!
What Everybody Needs To Know...Learn The Truth About Debt Elimination!Here`s how we have been taught to charge, charge, charge and promised Easy monthly payments by advertisers who seduce us into debt. So its no accident that the credit, finance and loan companies end up with most of our money, ... more...

How to Sell Bonds
If you want to make good money with banks, or any institution, Government and agency bonds are where it is at. Simply because all Government bonds and agencies are AAA rated, and banks can buy millions of dollars of any bond without incurring any credit risk.All banks own bonds of some sort, and ... more...

Debt Consolidation can Ruin Your Credit
Yes, Debt Cosolidation isn't a good idea and I'll tell you why. I've done research of my own and found out some disturbing information.You've seen those long drawn out commercials full of promises to get you ouy of debt. They use words like "non-profit" and "conseling". To get you suckered in, then ... more...

Use Factoring to Grow Your Business, Don't Wait Until You Are Struggling
Have you ever refused a job or an order because your business didnt have enough capital to purchase the supplies or hire the extra staff? You build a good reputation, have good workers and then when you finally get a nice big contract, you have to turn it down because all your money is tied up ... more...

Debt Consolidation, with Home Equity Loans
Debt consolidation is a way of increasing your monthly cash flow by combining all your high interest payments into a low interest and easily manageable home equity loan. The process is explained in the example.Lets look at this example:Your credit card loan is $15000 at 18% interestYour car loan is ... more...

Don't Buy The Government Grant Guides From The Joker Or The Joke Will Be On You
Government grants are available on-line for free.Go to Firstgov.gov which also includes state grants and assistance. Then go to grants, fill in the brief questionaire and it does a search that narrows down what you want and what you qualify for.There are seemingly unlimited amounts of grants, funds ... more...

The Business Failed, But Did You?
Q: After years of dreaming about starting my own business, I finally took the plunge a little over a year ago. To say the least, my dream quickly became a nightmare. The business didn't do nearly as well as I had hoped. I ran out of money within six months and had to take out a second mortgage on ... more...

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