Property expert: Can I lend or donate money to my children?

Q I am over 70 and have at least £100,000 in an e-savings account, as well as £35,000 in fixed-rate bonds ... to reduce their outstanding debts, but would it be better to concentrate on the fixed-term loan ... at a rate of interest that is lower than that they are being charged by their mortgage lenders [more...]

Date: 2009-01-14 00:10:01

Blog posts (242) | Videos (145)
 

Handling Your Debt - What Tax Implications Are There?

by William Blake Sometimes when considering different ways to handle debt some fail to consider how some options may have a better tax benefit than ... to finance just about anything - an auto purchase, repayment of credit card debt… you name it. Even if your home equity loan has the same interest rate as your credit card it is still the better [more...]

Date: 2008-09-18 18:16:28

Build Passive Income Streams from eHow

photo credit: ... Money How to find Stock Quotes How to learn Potty Training Techniques How to find Auto Loan Rates that fit your budget How to use Auto Loan Calculators [more...]

Date: 2009-01-08 02:34:10

HSBC prepares for rate cut by raising tracker loan cost

HSBC raised its best-buy tracker mortgage rate yesterday amid expectations that other lenders will follow suit after tomorrow's much-anticipated cut ... competitor is its own subsidiary, First Direct, which is expected to shift its tracker rates too [more...]

Date: 2009-01-07 00:01:45

Reasons to Refinance Your Mortgage

Image courtesy of Notionscapital.comThe rates on a 30 year home loan have recently fallen to record lows; and will possibly fall even further ... account or help you pay off your credit card debt a lot faster.Low Cost. If you are one of those ... the process to refinance their loan.Even though the current rate may be lower than what you are paying [more...]

Date: 2008-12-29 11:15:00

Fast Cash

Many people nowadays, especially because its the holidays, find themselves strapped for cash. My friend John had to take payday loans in order to pay off his debts. What he did ... track of his payable and its charging lesser interest rates than the bank. Anyway, loans or fast cash [more...]

Date: 2008-12-07 08:07:39

Fed Slashes U.S. Interest Rate To Basically Zero

Wasn’t the Fed supposed to cut rates in half today, from 1 percent to 0 ... income” no-doc teaser-rate reverse-equity 105% loans that enabled Juan Drywallhanger and his old lady ... $40,000 per year and already buried in credit-card and SUV debt. So, now that grand era can return again [more...]

Date: 2008-12-16 20:54:35

Citron Comments on Apollo Part 2 - Revenge of the Analysts

stock ticker: APOL Citron is fascinated by the analysts’ quick responses to its Apollo report, ... . Managing Cohort Default Rates by paying back student loans is not a new concept. It was employed ... According to the department, the company “then attempted to collect the loan amounts from its students [more...]

Date: 2009-01-15 17:24:54

Our first Scripps Ranch home - A trip down Market Cycle Memory Lane

Rhonda Porter at Rain City Guide penned this recent post in which she talked about her first house, then and now ... purchase involved the requisite 20% down and a 30-year fixed rate loan. It wasn’t that we were smarter than anyone else; it’s just that those were the programs that were available. The loan [more...]

Date: 2008-10-23 16:04:08

Useful Advice - Can The Hope For Home Ownership Relief Act Really Help Homeowners Avoid Foreclosure?

My view on this bill is that it will be a dismal failure ... must be at least 31 percent; * They cannot afford their current loan; * They did not intentionally miss ... program include: * 30-year, fixed rate mortgage; * Maximum 90 percent loan-to-value ratio [more...]

Date: 2009-01-15 16:06:21

GMAC Deal Boosts Auto Stocks

The government’s decision to provide $6 billion in financing to steady the lending arm of auto giant General Motors has jolted futures on ... , shares of GM were up by nearly 8% and rival Ford Motor Co. gained 5.9%, while stock futures rose ... credit rating needed for funding new loans to 621, down from the 700 limit established by GMAC two [more...]

Date: 2008-12-30 14:03:40

GMAC Deal Boosts Auto Stocks

The government’s decision to provide $6 billion in financing to steady the lending arm of auto giant General Motors has jolted futures on ... , shares of GM were up by nearly 8% and rival Ford Motor Co. gained 5.9%, while stock futures rose ... credit rating needed for funding new loans to 621, down from the 700 limit established by GMAC two [more...]

Date: 2008-12-30 17:03:00

Mortgage Quotes

Are you looking for some information about mortgages? ... , debt consolidation, and tax debt loans. If you want to know more about this site just check them ... it to one site to another. They will compare the mortgage loan rates to others if they can get it quick [more...]

Date: 2008-11-16 04:13:19

Best Credit Repair - Outdated Credit Fixing Techniques

Having bad credit report affects you in all financial aspects of your life, there is strongest reasons then, justifying a credit fixing as soon as you can, you will get the benefits of lower interest rates on all kind of loans you apply for. However, there some important points to take in consideration when you ... [more...]

Date: 2008-12-27 19:00:59

Solving the Scarcity of Money

Ask any economist and they’ll tell you: money is scarce. That’s why it’s so popular ... enjoying it right away! An unsecured loan is a loan that relies only on your credit rating to determine [more...]

Date: 2009-01-16 03:47:42

3 Ways To Consolidate Debt and Avoid Bankruptcy

If you’ve racked up a little more debt than you can handle, you’re not alone ... , that promise to erase or consolidate your debt for an outrageous fee. Although you will have to pay for debt ... want to consider consolidating your debt into a home equity loan. The interest rate is usually [more...]

Date: 2009-01-10 15:42:12

Online Car Loans

We all love the Internet. We love the convenience of online shopping because it’s fast and easy to buy anything, ... of generic auto loan brokers with websites as well. Many will claim to guarantee you the lowest ... . That is not to say that you cannot possibly find a good rate for your auto loan online [more...]

Date: 2009-01-15 23:52:41

Is a reverse mortgage a good thing??

by Doc Schmyz If you have already heard the term reverse mortgage, it still sounds a little odd ... s age, equity of the house, interest rate on the loan, closing fees, and a few other factors ... is so these questions can be answered. The name is somewhat confusing. A reverse mortgage is a loan [more...]

Date: 2009-01-06 22:24:09

A Consolidation Loan Is Not For Everyone - Is It For You?

by Jeffery Williams If you are among the many individual struggling with debt there are a lot of companies who provide consolidation services ... is better then credit card debt negotiation however each situation is different. ... , debt consolidation can also provide a lower interest rate plus the length of the loan may [more...]

Date: 2008-09-23 17:16:24

Interest Rates Drop Again…

Everyone keeps saying that it’s the perfect time to buy, home values are dropping, rates are low, the time is now. I have people that call every week for mortgage rates, they keep hoping the rates will continue to drop. Remember, banks make money off loans, there is a point where banks cannot lower rates any [more...]

Date: 2009-01-16 01:53:45

Is Now The Opportunity For You To Review Your Mortgage In Return For A Fixed Rate Mortgage?

As we are seeing base lending rates plummeting to an all time low, ... mortgage loan rates, what exactly are all of these different types of mortgages available [more...]

Date: 2009-01-15 22:01:05

Customer reviews improve intent-to-buy metrics for Cars.com

This blog entry was guest written by Ashley Moreno, Marketing Analyst ... to dealer maps from inventory pages Click rates to the “Finance and Loan” calculator from inventory ... to some 10 million car shoppers a month, served as a great test case. While Cars.com does not sell anything [more...]

Date: 2008-09-30 15:59:35

Mortgage Refinance Rates ? Exploring the Best Mortgage Refinance Rates

Finding the right kind of loan these days not only consumes quality time but also needs wise thinking and correct decision making With changes in market economy, it has become so unpredictable to judge the market and hence all one needs to do is to sit and study the market trends [more...]

Date: 2009-09-29 17:40:50

LendingClub.com Could Not Help Me Refinance My Car Loan. – Erik

Rollover USA-401K Rollover to IRA is a post from: Rollover USA-401K Rollover to IRA “Dear Steve, My situation revolves around my car loan. I got my loan back in July 2006, and the interest rate was high, understandably because I had bad credit. Now two and a half years later, it seems that it still is horrible, because NO ONE will refinance me. I tried LendingClub.com (I googled my problem, [more...]

Date: 2009-09-29 19:01:13

Will This Be The Year We Crack Down On Payday Loans?

After losing her bid to replace Aaron Schock in the Illinois House, ... , Krupa's bill to cap the payday loan rate at 36 percent in Illinois is an important reminder ... to the burgeoning and extremely destructive payday loan industry here in Illinois, which Citizen Action's Linda [more...]

Date: 2009-01-08 01:37:02

A Cause for Celebration

To celebrate Independence Day, Higher Ed Watch will be going on hiatus next week ... that have occurred in the Federal Family Education Loan (FFEL) program in recent years. Most of these changes ... substantial changes are to the federal student loan programs and the interest rates charged [more...]

Date: 2008-06-26 15:20:31

How To Get Home Equity Loan Without Income Verification

A fixed loan option is perfect for individuals who know exactly how much money is needed and only want to borrow up to 125% of the property value and usually offers a fixed interest rate. The 125% loan allows the borrowers to borrow at any time, such as for home improvements or sending children to college. [more...]

Date: 2009-09-28 02:40:09

Free Helpful Advice - Can The Hope For Home Ownership Relief Act Really Help Homeowners Avoid Foreclosure?

My take on this bill is that it will be a another government run fiasco ... be at least 31 percent; * They cannot afford their current loan; * They did not intentionally miss ... the new program include: * 30-year, fixed rate mortgage; * Maximum 90 percent loan-to-value ratio [more...]

Date: 2009-01-15 07:36:03

Taking Home Mortgage Loans

by John Bear If you are looking to refinance your current mortgage, there are several options available for you. Homeowners refinance their mortgage for many reasons and these include eliminating private mortgage insurance, receiving cash out at closing, obtaining a fixed rate, and so forth. Since home loan [more...]

Date: 2009-01-02 16:59:45

Start 2009 by recognizing the unrecognized

Rhonda has a post over at her Blog regarding the low interest rate environment that prevails today ... into the office to work on transactions so that loan officer and agents transactions closed on time ... .  Rates under 5% are hard to believe even for very seasoned agents, loan officers and those [more...]

Date: 2009-01-07 05:11:57

Home Prices May Be Nearing Bottom, Bank Equities to Follow?

I remain optimistic that housing is nearing a bottom ... traffic. Add to the fall in prices, the recent sharp reduction in 15 and 30 year mortgage interest rates ... news about loan losses. In my judgment, most banks in the US have been trying to get out ahead [more...]

Date: 2009-01-14 07:24:00

Amazing Breakthrough Lowest Mortgage Interest Rates Available Today?

Are You Eligible For The Lowest Mortgage Rates Advertised Today? ... to a cheaper loan or another lender? Securing the top mortgage rates is more than just looking [more...]

Date: 2009-01-13 14:07:01

Constitution Party: ‘The mortgage thieves return’

Reposted at http://www.constitutionparty.com/news.php? ... spectacle of bad actors descending on a government program fat with new money and starved ... and proof of an ability to pay the money back. These were boring 30-year fixed-rate loans. Now FHA [more...]

Date: 2009-01-07 18:25:37

Weighted Average Cost of Capital Doesn't Include Everything

Or: Figures don't lie, but Liars Sure do Figure! We've got a lot of people with loans in the low fives, interest rate wise, ... : $350,000 first at 5.25% $100,000 second at 8.5% $50,000 consumer debt at 12% This person then used ... that there's enough equity in the property to absorb the full amount of excess debt without PMI. Robert [more...]

Date: 2009-01-11 17:50:23

How A Consolidation Loan Can Help You

by Mike Carbeck Misusing credit cards is the main reason people run into uncontrollable spending and find themselves facing large payments combined ... cards, however this is where the similarities end. These loans will roll all of your credit card debt into one lump loan and will eliminate the individual interest rates that some credit card companie [more...]

Date: 2008-12-03 10:44:44

Loan Modifications Reamortize, Don’t Affect Fixed Rates

I just got off the phone with Patty at BB&T Mortgage, who walked through all the options I had with them with regards to my mortgage. She was extremely courteous and explained everything in great detail, great loan officer. The one big bit of advice I learned was that a loan modification isn’t what I thought it was. Loan [more...]

Date: 2008-12-22 17:08:36

Signs of a thaw

Yes, I saw the discouraging headlines. But I also see signs of hope in last week's economic news ... interbank market for 3-month dollar-denominated loans) and the 3-month Treasury bill rate. Its spike ... such as its Term Auction Facility, which offered term loans [more...]

Date: 2009-01-11 16:17:48

RV Loan Calculator

Different lending institutions offer varying RV interest rates. It is easy to understand the purpose of RV loan calculator by checking online. Almost all financial companies have RV loan calculators. Using a calculator helps determine ... concern. A RV loan calculator ... [more...]

Date: 2009-01-15 15:05:40

What Goes Down Must Come Up

Wise man once said that: a great person can see opportunities in certain circumstances where other people see it as problems ... , or to refinance an existing loan. They can help us compare Oregon mortgage rates, calculate payments, run amortization tables and connect us with the best lenders. There are some incredible Oregon [more...]

Date: 2009-01-11 02:25:58

How the Recession Affecting the Loans Market

If you are looking for a loan or line of credit be ready to be depressed. The fact is that even if you have a perfect credit history, you’re likely to be offered a smaller loan than you applied for at an interest rate far higher than you’d ever expected. And there are likely to be onerous conditions attached. Take homebuyers for example. Over the last 18 months, the number of mortgage packages on the market has fallen from 30,000 to just over 2,500. [more...]

Date: 2009-09-11 01:49:24

Los Angeles Mortgage Rates Report: January 14, 2009

The US Treasury Department has been supporting the mortgage bonds market, in order to keep mortgage rates under 5% ... the “flow” of mortgage loans.  The big banks, like B of A, Citi, and Wells, loan direct or buy loans ... t have the horses to ride since they laid off so many workers in 2008. 2- Greed:  Lenders typically made a loan [more...]

Date: 2009-01-14 06:35:15

Low Rate Loan For Poor Credit People

by katie George Sometimes bad credit history like unpaid debt, default, arrears, bankruptcy, ... ,home improvements or even for debt consolidations. About the Author: Finance Ideas Discover Gold [more...]

Date: 2009-01-02 11:36:14

Do you want to purchase a new flat screen and postulate 10000 dollar

A moneylender in East Providence Rhode Island or so can have a total different actual rate for a 5000 dollar money loan then a merchant bank in ... nooit zo eenvoudig geweest. Haal snel een andere auto met bkr toetsing zonder lenen, 232653 euro ... that offers you a credit loan. That’s the reason why now you need to investigate and experience [more...]

Date: 2009-01-15 21:18:31

Save your home with a Loan Modification Program

by J. Ochs Foreclosure rates are at an all-time high in the US right now ... just mentioned, but before signing up with any company, check them out first! Make sure they are reputable. Financial relief is possible with a successful program offered by the right company. Let’s say [more...]

Date: 2009-01-04 09:31:59

Monetizing Your Website With Google Adsense Is Easier Than You Think

This site is specifically created for those who don’t want to waste time searching for ‘the best solution’ to earn money online ... Debt Consolidation Endowment Purchase Online Student Loan Consolidation Pop Up Displays California ... Mortgage Refinance Rates Accident Helpline Lenders Tree Acorn Stair Lifts Ambulance Billing Secure [more...]

Date: 2009-01-02 00:57:08

The Best Auto Loan Services

Buying a car is a big responsibility. It just means one thing – another bill added to your budget ... auto loan companies will play with your needs and your emotions. You will end up paying ... upfront. No hidden costs, no application fees. They have the best rate on new and used cars. The loan [more...]

Date: 2008-07-16 17:54:24

Automaker Bailout? Sure. Bank Bailout? Let Us Get Back to You.

In America, everyone is equal. But some bailouts are apparently more equal than others ... industry at below-market prices. The $25 billion bailout loan to the automakers was signed ... interest rates, which intensifies the cash shortage. Still, every student of finance is familiar [more...]

Date: 2008-10-01 16:04:45

Mortgage Calculators Are Useful Instrument to Evaluate Your Options

The highest aspect/priority on each person?s mind while submitting an application for a home loan is getting the lowest mortgage rate There are a number of lenders, who are ready to offer you excellent deals [more...]

Date: 2009-09-29 16:01:53

My First House: Then and Now

“Cautious Buyer” asks this question on my post the other day when I referenced that my first house had a rate of 11% during the comments: ... costs. Base loan amount = $213,400 plus upfront mortgage insurance @ 1.75% = $217,134. Interest rate [more...]

Date: 2008-10-19 22:17:48

Just say no to usury laws

Hilzoy reads an NYT article and waxes sarcastic: Ohio lawmakers sought last spring to aid borrowers like Ms ... the rate cap. "You can't make a payday loan cheaper than the industry does," said Steven Schlein ... , you don't take out a payday loan (except for an economist of my acquaintance who is researching [more...]

Date: 2008-09-13 20:04:56

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