Loan Calculator Tips To Save You Money

Imagine the next time you join a discussion about simple loan calculators. When you start sharing the fascinating loan calculator facts below, your friends will be absolutely amazed. Interest only refinance loans offer the flexibility of lower monthly payments and increased cash flow along with providing tax benefits. If you want the best rates when mortgage refinancing you, nothing beats knowing that you can compare offers from lenders or get different brokers. [more...]

Date: 2009-09-18 09:47:43

Blog posts (164) | Videos (54)
 

Bureaus Roll Out New Credit Score Formula for 2009

The three credit bureaus will begin using a new formula to calculate credit scores in 2009 - just as folks were starting to get the hang of what ... collection accounts in which the original debt was less than $100. This is a big victory [more...]

Date: 2008-12-29 21:48:19

Mortgage Borrowing for Over 80% in the New Zealand Market

Many Banks these days only lend up to 80% of the property value which can be a big ask for First Time Buyers especially at a time when rents are rising thus making saving a deposit more difficult. So what options are there and are there hidden costs? For starters there are Banks and quite a few non-Bank Lenders who will go over 80% mark under certain circumstances. These fall into three groups. Up to 90%,90% to 95% and 100%. Those lending 95% and 100% have very different criteria and costs involved. [more...]

Date: 2009-09-18 02:53:59

Health Care Archives

CENTER FOR AMERICAN PROGRESSTop FeaturesA Close Look at Health CareThese issue briefs from CAP’s health experts can help you better understand some of the key concepts factoring into the health reform debate.Progressive PrescriptionsCAP proposes a bold but practical approach to guaranteeing an American right to affordable, quality health coverage.There’s No ExcuseSee CAP’s new idea, a Wellness Trust, and reports by other experts on overhauling the American health care system.The Health Care Delivery [more...]

Date: 2009-09-25 16:50:06

In Down Economy, Americans Consider Life Insurance More Important Than Ever

In Down Economy, Americans Consider Life Insurance More Important Than Ever More People Adding to Coverage Than Subtracting, says LIFE Foundation Survey ARLINGTON, Va., Sept. 23 /PRNewswire/ — In these challenging economic times, Americans have made numerous adjustments to shore up their family finances. Savings rates are on the rise, debt is being consolidated and slowly paid down, and people are spending and investing their money more conservatively. It may be time to add another trend to the list. [more...]

Date: 2009-09-23 13:24:56

Review of Dave Ramsey: Three Things I Like About Ramsey

I was reluctant to post about what I like about Dave Ramsey because it seems redundant to lavish kind words on Dave Ramsey, the host of the Dave Ramsey Radio Show.  Thousands have completed or are completing the seven baby steps.  There are many who have talked about the benefits of Financial Peace University.  Millions have purchased (and I bet some have even read) The Total Money Makeover.  As a result, I considered just skipping the good things related to Dave Ramsey because it seems so overdone. [more...]

Date: 2009-09-17 11:00:00

Loan Calculator Tips To Save You Money

by Justin Richardson Imagine the next time you join a discussion about simple loan calculators. When you start sharing the fascinating loan calculator facts below, your friends will be absolutely amazed. You can compare different new car loan quotes provided by various lenders online. A useful tip for evaluating online calculators has been found to be very useful to nearly everyone. The functionality on loan calculators is very simple and any person can use them. [more...]

Date: 2009-09-26 07:20:01

Personal Finance Hard Truth Week in Review – It’s Almost Over Edition

The campaign is in its final days.  I expect we will have six months or so before the next group of presidential wannabes begins making noises about ... of Debt Reduction and my post on Shouldn’t We Burn Credit Cards in Protest?  Oh - that candy your kids ... a website that includes their amazing tax saving calculator.  Apparently, you input your income [more...]

Date: 2008-11-01 13:34:12

Debt Management – Made Easy

September 26, 2009 | By Michael Sasaki In Finance | by Michael SasakiIt is important for every person to lead a debt-free life; this can provide a secure future for them and their families. Long term debt can cause havoc to personal life. So, it is highly imperative to meticulously plan for debt and avoid huge debt payments.Research analysts have found out that people fall into the debt trap because of their spending habits. [more...]

Date: 2009-09-26 05:17:04

23 Powerful Tips and Tools to Eliminate Debt

H ere is one of the most frequently asked questions in all of personal finance: "How do I get out of debt?" At one level, eliminating debt is simply about following a few steps: Stop going into more debt Spend less than you make Pay off debt with the difference If you follow these steps, eventually you'll be debt free. The problem is that following these steps isn't always so easy. And to make matters worse, there is a lot of "help" out there that can make matters worse. [more...]

Date: 2009-09-17 10:48:15

WolframAlpha helps you with your Debt

WolframAlpha It’s rare that I just find a site that is so absolutely useful and cool that I add it to my quick launch bar but WolframAlpha made the grade today.  Fire it up type “credit card” in the search box and you can quickly calculate payoff scenarios, and not a one liner answer full of ads but an extremely useful output including sweet graphs, different paydown schedules and the like. [more...]

Date: 2009-05-20 19:09:05

Need a Payday Loan? Important Tips are Here!

Do you looking for a same day payday loan? The financial help through a no fax payday loan will be a best option for you. Getting a loan on the same day of application is not that complicated because of the increase in payday loans available today. This will help you to manage your unexpected expenses without any delay. You don’t have to waste your time on faxing documents and proofs. If you are not getting approved by one lender, don’t be panic. You can try with other lenders. [more...]

Date: 2009-09-29 18:16:13

So What If People Make Fun Of Our Frugality!

There's been many a times I've been picked on for being frugal. Mostly during my prepubescent years, but even now I've been known to give a few of my friends a good laugh. I'm sure they were all just jealous (at least that's what our mothers always says, right?) but either way I say who cares. Who cares if our frugality and craftiness distracts people? Are they the ones saving a few dollars? Anope - we are. [more...]

Date: 2009-09-28 11:25:00

Loan Calculator Tips To Help You Get A Better Rate

September 27, 2009 | By John Sawyer In Finance | by John SawyerThis new article provides a variety of suggestions and ideas about simple loan calculators, and if you are interested, then this is worth reading, as you can never tell what you don’t know.Keep in mind that an early mortgage payoff calculator will assume that your loan is fixed, or the interest rate is fixed and will not change. If you have a variable rate, the calculator will not be accurate. [more...]

Date: 2009-09-27 20:53:27

Is It Time For A New Mortgage Calculator

If You Get A Call From Your Mortgage Company Realtor Federal and State laws are on the side of those who are in the unfortunate predicament of ... and respectability–as long as a collection agency is the one at hand, not the original creditor. Most people ... or personally involved in it. And very few realize that debt collectors are comprised of debt [more...]

Date: 2008-11-29 02:38:23

A Mortgage Calculator Can Save You Money by Calculating Overall Mortgage Cost

As soon as it comes to mortgages, there are several fees that are charged that it is at times very confusing and tough to be familiar with what your monthly payments and overall mortgage cost will be. A mortgage calculator can save you lots of money. Although you by now have a mortgage, you would like to determine how fast you could pay off your mortgage if you raise your payments to a certain amount or the amount you will need to pay every month to pay off your mortgage within certain fix time. [more...]

Date: 2009-09-29 18:16:05

Proposals to Change Social Security Benefits

http://www. defendingthetruth. com/articles/4808-proposals-change-social-security-benefits. html During many elections, we have heard proposals from politicians to alter or change Social Security benefits. In this paper, I’m going to research and analyze these proposals to find out whether or not they would be beneficial to the Social Security fund, how it will affect all of us in the future, and the current beneficiaries who receive Social Security. [more...]

Date: 2009-09-17 01:40:31

FPL: America’s No. 1 wind power

When the wind blows hard in Florida, people take cover. But the wind doesn’t blow hard enough often enough to support wind farms. “There’s not a wind farm within a thousand miles of our office,” says Mike O’Sullivan, senior vice president of NextEra Energy Resources , an independent power producer that is part of the FPL Group , which is based in Juno Beach, Florida. That hasn’t prevented FPL from becoming America’s No. 1 producer of wind power. [more...]

Date: 2009-09-21 03:38:25

Payoff Your Mortgage Faster. Free Mortgage Acceleration Calculator

Sep 25th, 2009by Jerry Smith. by Jerry SmithMost of your payments go towards paying off mortgage interest rather than paying off principal.f you decide to refinance or move to another home your 30 year mortgage automatically now becomes a 40 year mortgage. For most of us it could take up to four decades to pay off the mortgage.And what happens when you are closing on towards those retirement years? Just imagine your mortgage outlasting you in retirement. [more...]

Date: 2009-09-25 11:01:18

The Obama Economic Team: Yes They Can?

Watching President-elect Obama put together his economic team has left me a little nervous. Some, like Lawrence Summers and Robert Rubin, are Clinton retreads who have always been more concerned with corporate interests than with working families. Geithner I'm not as sure about but judging by the exuberant reaction from Wall Street, [more...]

Date: 2008-11-25 20:30:00

Mortgage Refinance – Tips and Ideas to Help You Apply For Mortgage

Mortgage refinance is one of the best ways to save money and increase savings. Doing your homework in terms of research will definitely help you to avoid the hidden cost and other expenditures. It not only lowers the monthly payment as the interest rate drops but also shortens the tenure of the loan period which is anytime beneficial to clear the debt as soon as possible. [more...]

Date: 2009-09-29 18:16:17

Its a bird, its a plane, no it’s a gigantic tower of excuses!

Since I pointed out the new years resolutions that people like to make, ... of debt I get a lot email about various things and I usually do short answers but this time around ... personalized plans.  I will take as many as I can handle.  Also, I am offering a budget calculator [more...]

Date: 2009-01-05 17:25:19

Been So Low

To give some perspective on where the markets are at the moment, the last time the Dow Jones Industrial Index S&P 500 was at this level, ... . I have a calculator too, you know.) As I’ve noted before, we’re relatively well-insulated from the bad news going down at the moment, thanks to combination of limited stock exposure, low debt [more...]

Date: 2008-11-21 02:05:14

Track and Lower Expenses to Save Money

According to the National Bureau of Economic Research, America has been suffering through a recession since December 2007. As people go cold turkey on credit and struggle to put their households on a cash basis, the first thing most of us need to do is spend a month finding out exactly where our money is going [more...]

Date: 2008-12-05 16:00:39

Rebuild your nest egg - 17 moves to secure your future now

Consumer Reports - January 2009 When bad investments happen to good people, there's only one thing to do short of weeping: Turn to Plan B ... and household goods. About 20 percent have paid off most or all of their credit-card debt ... and making choices we'd hoped to avoid. We might have to work harder to slash debt, cut spending [more...]

Date: 2009-01-13 22:42:30

Mortgage Calculators Can Help You With Valuable Mortgage Calculations

Mortgage calculators can offer you with useful loan mortgage calculations. A high-quality loan calculator will allow you to make well-informed decision on your mortgage loan whether you plan to purchase a new home, thinking about refinancing a present mortgage loan or just want to be familiar with what your mortgage loan alternatives are. It is extremely significant to take crucial mortgage loan decisions on accurate calculations. Nearly all loan calculators will allow you to achieve that. [more...]

Date: 2009-09-29 18:15:56

Collapse and Ruination from Gluttonous Growth

by The Mogambo Guru I was sitting outside, looking up at the stars, and wondering how many planets circle those billions of twinkling lights, ... for repayment until that day when the collection agency finally decides to just write the whole damned ... it to buy the new government debt so that the government could spend the money to satisfy [more...]

Date: 2008-12-18 19:21:05

Organizing your Finances

One of Suze Orman tips that really struck me was: Financial insecurity makes you vulnerable even to minor life events. Something as small as a broken boiler can send you into a spiral of debt for years to come ... to organize our finances is one of the leading causes of bankruptcy. Unpaid bills filing-up, small loans left [more...]

Date: 2009-01-15 04:28:33

IRS Unveils Initiatives to Help Taxpayers in Financial Trouble

IRS changes offer relief to delinquent taxpayers. The IRS unveiled a series of initiatives Tuesday aimed at helping people who can’t pay their taxes ... and collection letters to taxpayers who recently lost their jobs, rely on income from Social Security ... the IRS to set up an installment plan. These plans allow taxpayers to pay their debt in monthly [more...]

Date: 2009-01-07 06:45:10

Good Games Means No Money

Time for another one of my opinionated rant articles. This time it is about money…and games obviously ... . My PS3 collection is probably lower than others but impressive none-the-less. At last count I owned ... of money to spend on a virtual world. I will have a debt collector knocking on my door at this rate [more...]

Date: 2009-01-15 11:46:59

Kashkari Now Packing 4.5 Revolver: Cenbanks Edge Away from Treasury Target Practice

"Oh my … " - blogger Calculated Risk (Dec 3, 2008) Careful where you’re pointing that thing, Neel! OK, so the gang that couldn’t ( ... to 4.5. Meanwhile, back at the Agency Debt Ranch, I see our old friends the bond-holding foreign central ... mortgage-backed securities and debt issued by Fannie Mae, Freddie Mac and Ginnie Mae [more...]

Date: 2008-12-05 07:02:07

Military Retirement - Special Tools for Planning

by Michael Geoffrey People in the military usually have a much different retirement plan than ordinary civilians so they should use a special ... . Most people in the military are members of a credit union and that is always a great source of information. Getting help at your credit union is a good idea because they have years of experience [more...]

Date: 2009-01-15 23:55:06

Mortgage Rates - Mortgage Home Calculator

It’s really a jungle of information out there. For beginners or first-time home buyers, home mortgage loan should work just any other loans, ... on your debt-to-income ratio. If you make barely enough to cover for your debts, you’ll have to pay a higher home mortgage rate. Compare this to someone who takes home a monthly income that far surpasses [more...]

Date: 2008-10-29 19:52:45

An Aid For My Personal Finances

Last year, I attended the “How to Be Truly Rich” Seminar by Bo Sanchez, and since then I have been cautious with how I used my money ... for their Certificates of Deposits (CD). MonitorBankRates.com have a CD calculator that can help them ... use of the Certificate of Deposit Calculator available for use in the website.By using [more...]

Date: 2009-01-14 05:36:00

Sunday link Love: Redemption Edition

My blogging friend Lynnae at Being Frugal is part of a collection of moms that blog for Walmart, ... From a Stock Market Decline Thrifty Florida Mama:  Tips To Set Aside Money For Christmas Chief Family Officer:  Continuing Dilemma - Public School Vs Private School My Super-Charged Life:  Debt-Free [more...]

Date: 2008-10-12 17:59:54

Shareabill Brings Some Sanity to Social Purchases

Paying bills collectively with friends is common, but keeping track of such matters, ... presents you with money to pay charges to your credit card or recompense for past cash transactions ... by the name of Shareabill may come handy. It keeps everything sorted. And it’s as much calculator [more...]

Date: 2008-09-24 20:09:33

After 2 Weeks of Large Increase Mortgage Rates Fall Again

Author : Ki Gray So for the previous two weeks we saw sizable gains in mortgage rates Between May 28th and June 11th 30 year mortgage rates jumped from 4 91 to 5 59 This week we saw rates drop down to 5 38 Although we are still above what we were at two weeks ago it's nice to see mortgage rates moving back down The other major mortgage products all went down as well The 15 year dropped from 5 06 to 4 89 The 5 and 1 year arms dropped from 5 17 to 4 97 (5 year arm) and 5 04 to 4 95 (1 [more...]

Date: 2009-09-29 00:25:03

Free Excel based Debt Reduction Calculator to Payoff Credit Card Debt

Works with : Microsoft Office, OpenOffice To start with this Free Excel based Debt Reduction Calculator, you first enter all your debts in this excel. You can specify all kinds of debts in this: Credit Card Debt, Auto loan, Student loan, personal loan, and any other debt. After that, you specify interest rate of each debt and minimum payment required to be paid for each. This is the minimum payment that you financial institution has stipulated for your debt. [more...]

Date: 2009-09-21 12:00:37

New Ventures and Personal Goals

Wow, it has been over a month since my last post. Impressive, isn’t it? ... you know that the advanced mode of the windows calculator can also convert from binary to decimal ... . On an even more personal note, I have made it a goal to pay off all of our non-mortgage debt [more...]

Date: 2009-01-09 15:58:04

Rethinking The Early Mortgage Payoff

By Julie Rains The borrow-at-a-low-interest-rate-and-invest-to-get-greater-returns mentality was so embedded in our ... mortgage payoff question is: if you weren't using your money to pay off the mortgage, what would you be using the money for? Here are some alternative uses of extra cash: Pay off non-mortgage debt [more...]

Date: 2009-01-09 15:41:42

Philippine Fair Debt Collection Practices Act

Learning about the U.S. Fair Debt Collection Practices Act from playing the Bad Credit Hotel online game made me wonder if such laws also exist in ... Santiago introduced Senate Bill Number 1277 entitled “An Act Providing For Fair Debt Collection Practices ... : There is abundant evidence of the widespread use of abusinve, deceptive, and unfair debt colle [more...]

Date: 2008-11-26 22:43:50

A Fool's Errand: Stabilizing House Prices

Yesterday there was a news article on MSNBC that claimed 1 in 6 now owe more on their mortgage then their property is worth ... for borrowers in financial trouble to refinance or sell their homes and pay off their mortgage if their debt ... to Zillow the median household income in the area is about $46,000 while the median home price [more...]

Date: 2008-10-09 07:36:00

Reader Pays Off $14,330 In 20 Months With Our Tips [Debt]

Stuck in a $14,300 debt hole, reader Trixare4kids was able to dig herself out using tips she learned about on Consumerist.com ... it all in 20 months. She writes: "This morning I made my very last payment on $14,300 in credit card debt ... credit card company and tried to negotiate for a lower rate. I was successful with a lot of them. In once [more...]

Date: 2008-10-06 20:35:27

Nightmares of Financial Misery

by The Mogambo Guru The astonishing news to me was that the Fed has pledged to plow $540 billion into the money market, which is composed of very short-term debt, which is, as I already said, pretty astonishing since ... in his Credit Bubble Bulletin) "a y-t-d expansion of $423bn, or 16.8% annualized". And in an odd bit [more...]

Date: 2008-11-03 18:20:23

Back to Basics: Reduce your debt

Being in debt simply means that at one point you borrowed money to fund some purchase, and are now paying it back over time. (For the purpose of this post, I’m not going to lump in “profitable” or “good” debt that is used to make money reliably for the borrower through some other vehicle.) The debt can be, for example [more...]

Date: 2008-11-16 07:24:43

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

How Much House You Can Afford?

More than one reader has emailed me in the last month asking how much house I thought they could afford in our sinking ... with some numbers in DinkyTown.net’s Mortgage Loan Calculator (PITI). Playing with the numbers, I found a monthly payment of $1,286.08 given these assumptions: Mortgage loan amount of $150,000 30 year [more...]

Date: 2008-09-22 16:26:21

Pay Off Your Debts in 2009: 3 Strategies To Being Debt-Free

Today’s post is a guest post By Rachel Karl, a student of MakeMoneyFromWriting.com ... there! 3.    Now comes the third and final task: The debt snowball. Look over all of your credit card bills ... you have three credit cards: “A,” “B,” and “C.” “A” has a balance of $800 with a minimum payment [more...]

Date: 2009-01-09 12:20:36

50 Ways to Save Money for the Cash Strapped Consumer

Times are tough. The stock market had its worst week ever last week and now is the time to make sure that you make it through the rough years bound to be ahead. Try to keep your job. Try not to lose your home. I know that like everyone I've been cutting back considerably recently for our family [more...]

Date: 2008-10-14 20:10:15

CR Retirement Survey: Planning ahead may be just as risky as rewarding

The Press - January 12, 2009 In the wake of big investment losses, ... on entertainment. About one-third have cut their credit card use and spent less on groceries and household goods. “When bad investments happen to good people, they have to work harder to slash debt [more...]

Date: 2009-01-13 22:42:30

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