Pocket Profile: Frugal Babe

This week we spoke with Frugal Babe, who started a blog to chronicle her family’s path out of debt after starting a health insurance agency with her ... more in rent. Student Loan Debt: None! Top percentile. Credit Card Debt: None! Top percentile ... calculators to figure out how long it will take us to pay it off. The Bigger Picture: Tell [more...]

Date: 2009-01-08 16:49:31

Blog posts (161) | Videos (110)
 

The Importance of Credit

The Importance of Credit Written by Kenneth Lin June 30th, 2008 at 5:54 PM CDT 1 comment At Credit Karma, we want to give our users access, ... we do a very good job quantifying it. Last Friday, I called up a friend at E-LOAN and asked ... . Assuming a $250,000 mortgage and using our mortgage calculator, you will see that the 600 borrower [more...]

Date: 2008-07-01 01:55:34

Need to do some calculation to save some money?

Dollar Times have some interesting widgets to help you calculate your expenses ... . The site have financial calculator for coffee savings, gas savings, commuting cost, retirement, mortgage, millionaire, car loan, cigarette and many more. Below are couples of widgets [more...]

Date: 2008-07-08 10:09:53

When is a 5.5 Percent Mortgage Rate Really a 3.96 Percent Rate?

It’s income tax season again ... , but it will suffice for a rough estimate.  Seek out one of many online mortgage calculators to assist ... of mortgage interest tax deductions is one reason why loan officers make reference to “after-tax mortgage [more...]

Date: 2009-01-14 19:45:51

Rule of Thumb For Reasonable Housing Costs?

In an earlier post on motivating myself to work harder, I had thrown out a piece of “common” financial advice: ... from a mortgage calculator. The “other debt” is the sum of your other recurring monthly liabilities - car loans, credit card balances, student loan payments. There are usually two lender ratios [more...]

Date: 2008-09-10 13:58:59

Thank You Reverse Mortgage Daily Sponsors

These companies make Reverse Mortgage Daily possible, if you enjoy RMD, please consider supporting them in 2009 ... mortgage products. Golden Gateway’s online tools, award winning calculators and personalized service ... , training, and full resource center created exclusively for Reverse Mortgage Loan Officers.  Sign [more...]

Date: 2009-01-02 20:50:18

Home Buying 101 - Step Three: How much can you afford?

This is the third installment of twelve weekly features for first-time homebuyers on buying a home, now updated for 2009 ... sites that offer free mortgage calculators. I like Ginnie Mae’s. But because there are so many ... like a car, student loan, engagement ring, etc. More debt and more inquiries will likely lower [more...]

Date: 2009-01-07 09:39:01

Home Prices - How Did They Get So High?

It seems that the real estate bubble has burst, but how did home prices get so high anyhow? ... From Low Interest Rates Take out an amortization book or find one of those payment calculators online ... paying this much in the early 80s. For example, a 30-year loan of $200,000 would cost you $2,292 [more...]

Date: 2009-01-14 06:37:08

Nevada Mortgage - How Much Can I Borrow?

This is typically the first question our Las Vegas Mortgage clients ask when applying for a new home loan ... , type of credit borrowed, and recent inquiries. Debt-to-Income Ratio The (DTI) is calculated ... The DTI would be 42%. Most mortgage guidelines require a 45% or lower Debt-to-Income ratio. Loan [more...]

Date: 2008-12-31 21:02:55

CountryWide Home Mortgage Loan

Struggling homeowners facing high unaffordable mortgage payments may be able to get the help they need with a Countrywide loan modification ... , affordable and sustainable mortgage payment. Determine your ideal payment by using the mortgage calculator [more...]

Date: 2008-12-19 00:14:10

From The INBOX: We Deserve It Dividend - Update: That’s Why We’re Not All Economists

Update: Sounded way too good to be true. A dedicated reader just called to point out the person is using the same calculator that Fannie, Freddi, ... for college – it’ll be there    Save in a bank – create money to loan to entrepreneurs.    Buy a new car – create jobs    Invest in the market – capital drives growth    Pay for your parent’ [more...]

Date: 2008-09-23 18:15:49

10 Tips on Saving for Your Ideal Home

I’ve always wanted to be a homeowner, however with all the doom and gloom these days about the current housing market, ... (Thanks Home Loan Guru!).  And while everyone has their own savings mantra, I thought ... out some of our mortgage calculators if you aren’t sure– or contact a professional within Zillow Mortgage [more...]

Date: 2008-07-30 00:26:16

The Current Economic Crisis and Build Quality in Cars - The old Datsun wins over the Continentals

Recently the whole world seems to be facing some sort of economic crisis ... in the first place and it is most probably that the bank had to get an interbank loan to come ... s going to be broke. Once everyone is broke, no one buys new calculators, cars, PDAs, telephones [more...]

Date: 2009-01-12 06:30:00

Save Money When You Buy a Car

Buying a new car may be an every-day occurrence for some people, but for most of us it's a pretty big deal, and these days, ... . If the dealer suggests they can beat the terms of the loan you have, ask them to put it in writing, and check their numbers with your own calculator. Do Your Homework. Before you ever set foot on a car [more...]

Date: 2008-09-23 16:20:45

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

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. In addition there are a few who will look as if they charge you less on the other hand, they may have a lot of hidden costs. You have to be cautious once it comes to deciding on your lender. It would help you if you collect as much as necessary information on mortgage loan in most cases. [more...]

Date: 2009-09-29 18:16:11

Individuals With Too Much Debt Can Receive Monetary Assistance From Federal Grants – Available Now!

Owning a home is a great responsibility and equally a huge reward. Many people who move from an apartment into their own home cite it as one of the most enjoyable experiences of their lives. Home ownership is a very long commitment to a mortgage and that responsibility doesn’t go away just because other circumstances may change. In a financially challenged economy, many homeowners find themselves facing hardships when it comes to keeping their house payments up to date. [more...]

Date: 2009-09-29 18:16:01

November 2008 - Net Worth Update and Personal Finance Status

In an effort to encourage readers to learn to calculate net worth and track their personal financial progression, ... and Liabilities Balance $ Change % Change Credit Cards $3,872 $2,372 158.13 % Car Loans $0 $0 - Home ... economic climate amidst the ongoing credit crisis backdrop [more...]

Date: 2008-11-21 21:07:42

Reverse Mortgage Lending Limits May Drop

Congressional meetings are currently taking place that may reduce the amount of money seniors can get on a reverse mortgage. Partially due to the sudden changes in our economy a year ago, the need is being felt – some Congressman say – to cut back on the money available for reverse mortgages. As many people are aware, providing seniors with the availability of access to the money in their home’s equity – and still enabling them to live in it without payments – has been a tremendous help to many. [more...]

Date: 2009-09-28 01:21:09

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

Mortgage Calculators - 3 types of computers and their benefits

Selecting a mortgage without the help of a computer can cost thousands of dollars. That is why it makes sense to use one before committing. Here is a brief description of the 3 types of mortgage calculators and benefits of their use. Accessibility lt;strong> Calculator A good way to start or not knowing whether what is proposed is your ability to pay. To answer this question, you need to know what would be the monthly payment on a loan project. [more...]

Date: 2009-06-12 14:13:44

Free Useful Hints – Buying a House and Loans

Buying a house is not an not easy thing. A lot of people simply don’t have enough cash up front to buy a house free and clear. So, they get mortgages – loans secured against the house that are payable over a period of many years. Obtaining a mortgage for a property can be a nerve-racking process. For a several loans, a down payment is required. Saving up that down payment may can take years. Inflating house prices could render property ownership perpetually out of reach. [more...]

Date: 2009-09-28 07:37:12

How Online Loan Calculators Can You Time And Money

by Dennis Shirk Do you ever feel like you know just enough about loan calculators to be dangerous? Let’s see if we can fill in some of the gaps with the latest info from loan experts. How much should your down payment be? Most experts recommend at least 20 percent. Consolidation loans also have varying repayment plans. Use the links below to determine your repayment amounts under each of the different plans. You can then see what your monthly payment would be with a consolidated loan. [more...]

Date: 2009-09-28 10:46:28

Some Real Estate Points I Want To Share With You

by Paolo Koster Sometimes it is not enough to shop around for credit cards based of what they offer. More often than not, it pays to understand the terms of what the credit card offers before you getting the card. You must also take time to review the disclosures of terms and fees might appear on credit card offers you receive. Basically, business credit card is for the business peoples consumption. Compared to the regular credit card, a business credit card has a high limit plus low interest rates. [more...]

Date: 2009-09-29 13:20:43

Federal Government to Help 5 Million Families with Loan Modification Program

If you are having extreme financial hardship because of this crisis, and you are afraid that it might even come to you end up losing your home, then you may want to consider applying for the loan modification program implemented by the Federal Government. Though other loan modification programs have not had a very high success rate, the plan is revised based on the assumption that a family will not leave their home if they can afford to keep it. [more...]

Date: 2009-09-29 18:15:49

Learn About Interest Rate Only Loans Before You Borrow

by Dominic K. Kimbell Most mortgage payments are split into two when they reach the bank; a small part reduces the equity, and the balance pays the interest. That?s the way a normal mortgage works. A new type of loan has been designed to permit the monthly mortgage payment to be as low as can be, by requiring only the payment of interest. This means that if you choose an interest only option, each month you pay your loan, the loan balance stays just the same; it never gets lower. [more...]

Date: 2009-09-28 21:56:08

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

Loan Calculator Tips To Help You Get A Better Rate

by John Sawyer The best course of action to take sometimes isn’t clear until you’ve listed and considered your alternatives. The following paragraphs on simple loan calculators should help clue you in to what the experts think is significant. When you are planning to take a car loan, you can obtain the information regarding various offers for auto car loans and then use the car loan calculator to compare the various offers and indicate the best option for you. [more...]

Date: 2009-09-27 23:06:31

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

GMAC Auto Loans

11 of the best sites about GMAC auto loans. Know of another site that should be listed here? Leave your suggestion at the bottom of this page. (Related searches: Auto Loans ,  GMAC Smart Lease , GMAC Auto Insurance ) 1. GMAC Automotive Financing - Home page of GMAC financing for car loans, truck loans and leases, including information on their SmartBuy and SmartLease programs that allow you to get into a GM vehicle for a lower monthly payment. [more...]

Date: 2009-09-28 14:59:09

Loan Calculator Tips To Help You Get A Better Rate

Powered by Max Banner Ads by Christopher Rawlings This 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. When you are planning to take a car loan, you can obtain the information regarding various offers for auto car loans and then use the car loan calculator to compare the various offers and indicate the best option for you. [more...]

Date: 2009-09-27 23:11:59

Biweekly Mortgage Payment Plan: BiSaver vs. Do It Yourself

Most homeowners know that they have the option to pay more than their required monthly mortgage note, which will directly reduce the principal ... ?) this can significantly shorten your loan period. Whether or not this is a mathematically ... , one of the more popular ways to do this is the “biweekly payment plan”. Imagine you had a 30-year mortgage with a [more...]

Date: 2008-09-04 13:17:55

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

Loan Calculator Tips To Help You Get A Better Rate

Powered by Max Banner Ads by Steven Hartsfield This article explains a few things about simple loan payment calculators, and if you’re interested, then this is worth reading, because you can never tell what you don’t know. When you are planning to take a car loan, you can obtain the information regarding various offers for auto car loans and then use the car loan calculator to compare the various offers and indicate the best option for you. [more...]

Date: 2009-09-27 23:06:47

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

Why Mortgage Calculators Can Be Useful For Comparing Loans

by Mike Osborne Are you looking for some inside information on free mortgage calculators? Here’s an up-to-date report from mortgage calculator experts who should know the formulas used to calculate mortgage payments. Mortgage calculators can be a useful tool for comparing loan offers. Some mortgage calculators allow you to enter your current mortgage rate and term length into the calculator along with the rates and terms of prospective lenders. [more...]

Date: 2009-09-28 12:29:25

Why Mortgage Calculators Can Be Useful For Comparing Loans

by Jeff Roberts Are you looking for some inside information on the formulas used to calculate mortgage payments? Here’s an up-to-date report from experts who should know about free mortgage calculators. Mortgage calculators can be a useful tool for comparing loan offers. Some mortgage calculators allow you to enter your current mortgage rate and term length into the calculator along with the rates and terms of prospective lenders. [more...]

Date: 2009-09-29 07:27:43

Time to Refinance?

It’s a good thing I don’t have a job! Or else I’d be refinancing again… I think in the past 7 years, we’ve had 3 houses, and at least 8 mortgages! ... d break even in about 16 months. More about our mortgage is described in The Perfect Ten Year Mortgage. Here’s another good break even calculator. Where to Look for Best Rates If you are shopping [more...]

Date: 2009-01-15 14:29:45

Brace Face 2

Well, we've cracked out our calculators and done some discussions. I do have enough for a down payment on the orthodontic work (essentially, 1/3 of the entire cost) left over from my student loan this semester that I was initially going to cancel disbersment of, and work study should be able to take care of the 16 monthly [more...]

Date: 2009-01-10 20:56:00

My Gasoline Budget Is Always In The Red

gasoline.  The price of gasoline just keeps going up so I know why that is, but I was surprised by the groceries.  it always seemed like I was coming in very close to budget every week so how could I have spent $124 more this month than I budgeted?  When digging into the numbers, I figured it out - I did go spend $30 on a huge chicken sale, [more...]

Date: 2008-06-28 13:53:55

Why Mortgage Calculators Can Be Useful For Comparing Loans

by Mike Osborne Are you looking for some inside information on free mortgage calculators? Here’s an up-to-date report from mortgage calculator experts who should know the formulas used to calculate mortgage payments. Mortgage calculators can be a useful tool for comparing loan offers. Some mortgage calculators allow you to enter your current mortgage rate and term length into the calculator along with the rates and terms of prospective lenders. [more...]

Date: 2009-09-28 12:29:25

Life Skills 102: Advanced Adulthood (Write This Down)

Last week, we kicked off the new school year with a Life Skills-centric article cleverly titled “Life Skills 101: A Curriculum for Food, Finance, and Other Real World Basics.” Essentially, the post was a mini-unit plan, focusing on everyday stuff we need to know as adults, but aren’t necessarily taught growing up [more...]

Date: 2008-09-03 17:27:00

Shop For Groceries Online, Not Paying Off Credit Cards @ The Carnivals

free credit scores by telling us all about Credit Karma! Money Smart Life: Henry confesses to being a credit card expert with a secret. Gen X Finance reminds us that market conditions shouldn’t derail our investment strategies. With the current damage the market has done to our portfolios, can we really avoid being fair-weather investors? [more...]

Date: 2008-07-16 23:00:00

Keeping Your Student Loans on a Short Leash

Giveaway - you entered yet? Back to School posts from the College Money Network: This Writer’s Wallet: Get an Internship & ... ! Blog carnivals featuring PTY last week: No Debt Plan: Carnival of Personal Finance #165: College ... . (Figure out how to encrypt this file – this is sensitive info!) Run the Calculator [more...]

Date: 2008-08-14 23:50:44

Home Mortgage Loan: 5 Elements To Take Into Consideration Before Buying A House

While purchasing a house is an exciting effort in a lifetime, it is certainly not something you want to rush into ... at once. That is why, applying for a loan is crucial for most people. You will need to make sure ... of your annual salary. But even then, it is best to find a calculator online to help you figure [more...]

Date: 2009-01-05 13:01:40

The Bottom Card In The House Of Cards

Some housing bubble news from Wall Street and Washington. Bloomberg, “Contracts to buy previously owned U.S. homes declined more than forecast in May, a sign prices that have been sliding for more than two years have yet to touch bottom. The index of pending home resales fell 4.7 percent, the National Association of Realtors said today [more...]

Date: 2008-07-08 18:40:25

What are Home Loan Jobs

by Ethan Hunter Most people sitting in a loan companies office isn’t thinking about working there - but there are some people, perhaps you yourself, ... to debt ratio, you find a serious challenge. Having ... with a calculator? Was math an easy subject in school for you, and did you breeze through it while others [more...]

Date: 2008-07-08 11:30:10

Could Now The Opportunity To Move To A Fixed Mortgage?

Now that we have the base interest rate at a record low, is it a good time to look fixed rate mortgages? You may be forgiven for thinking that because rates are near enough rock bottom, then now is when you should fix your mortgage deal. But be cautious of remortgaging and take a mortgage broker’s advice before you try to compare best mortgage [more...]

Date: 2009-01-12 21:24:21

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

Don’t Raid Your 401(k) to Make Mortgage Payments

What’s worse than not being able to make your mortgage payments? How about tapping into retirement savings to make ends meet? ... out a home equity loan. “People had wiggle room by borrowing on their houses, and it just isn’ ... that if you’re really desperate to use the money in your 401(k), you’re better off taking a loan [more...]

Date: 2008-06-04 20:00:54

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