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What Are "Free" Mortgage Rate Locks?
May 4, 1998 "A lender I solicited offered me a ?free? 60-day rate lock. What exactly does that mean? I am always suspicious of anything that is offered free." A rate lock probably has value to you but you are right to suspect that it is not being given away free. Capital markets ... more...

Does "No-Cost" Mortgage Refinance Make Sense?
January 29, 2001, Revised November 1, 2002, August 17, 2004 "I see advertisements for "no-cost" refinancing that sound too good to be true. Is it possible to reduce my rate without it costing me anything?" ... more...

what does neg am mean related definitions

Mortgage Broker
Mortgage Broker A company or a qualified person that obtains mortgages for borrowers by finding lending institutions, insurance companies or private sources to lend the money. If a person, mortgage broker called a loan officer. A mortgage broker works for you, not for the ... more...

Credit Score
Credit Score A single numerical score, based on an individual's credit history, that measures that individual's credit worthiness. Credit scores are as good as the algorithm used to derive them. The most widely used credit score is called ... 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...

An Interview with Gary Dunn, Publisher of the Caretaker Gazette
I am always on the lookout for innovative, unconventional, and first and foremost, cost-saving ways to travel. I recently came across the concept of "caretaking", i.e. looking after other people's (often beautiful) properties and estates, as a way of procuring rent-free living opportunities in ... more...

MLM Training - The TRUE COST of Your Lack of Action in Network Marketing
Expensive.VERY expensive.That is what LOA is in the network marketing arena. It can be the most costly thing you ever have seen as far as a potential future, and yet, people seem to ignore the cost of it.Amazing.That is what it is.Amazing.That people would let this occur and without a single ... more...

Build Your Own Dream House!
So you're thinking about building your own house, are you? Well, you've come to the right place! It's a lot of fun (hard work and eventually fun!) to build your own home and it will save you thousands of dollars(we saved over a Hundred Grand by doing it ourselves - that's pretty significant cash!). ... more...

Cheryl Rickman Interview
Cheryl Rickman runs her own group of businesses CherryJam - with her partner James in Hampshire. Her first company WebCritique a web copywriting and marketing consultancy, helps other businesses to improve their online presence and Cheryl provides workshops to local businesses on these issues. ... more...

Why You Should Write To Inform And Not To Sell
Advertising is key! Unfortunately most people waste their money on advertising unless they can play by the numbers. Playing by the numbers is simply spending enough money on advertising and saturating the market so much, that percentage wise, enough people will want to see what you have to offer. ... more...

How to Put Your Kids (Or Grandkids) On the Fast Track to Success
Working with adults (as well as children and teens) for the past 12 years I have noticed that there are just a few primary struggles that most adults face. I also see how better training as a child and teen could have given them the skills and attitudes that would have prevented the problems that ... more...

Innovational Marketing - Pondering Tips for 2006
Innovation - is a talent that everyone has, yet they think they don't.If you've ever marveled at somebody's creative prowess, guess what, you can create and innovate too.It just takes time.Everyone is born creative.The box of crayons in kindergarten was not limited to only those who possessed ... more...

Insurance Credit Scoring: An Ethical Issue
The issue at hand is the use of a consumers credit score as an underwriting tool for auto insurance rates. What is a credit score or FICO score? A FICO score is a credit score developed by Fair Isaac & Co. Credit scoring is a method of determining the likelihood that credit users will pay their ... more...

Non Profit Debt Consolidators, Are They a Better Choice?
When most people think of non-profit organizations they think of charitable organizations, organizations standing for a higher cause with your best interest at heart. Yet, when youre dealing with debt consolidation, does a non-profit mean you will be the recipient of more compassionate service? ... more...

Don't Be Scared By Interest Rates
Rates are the highest in almost four years. What does this mean? Is it really all doom and gloom?Let's look at what we have been hearing. That with rates up, homebuyers will pay thousands of additional dollars on their mortgages. For example, on a $500,000 mortgage, an extra .5% in interest rate ... more...

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