This calculation takes into account tax deductions. It’s good to know if your refi is worth the investment before applying. Many people refi to lower monthly payments, but there are other considerations, too.
Rick Newman has the perfect title for this article: New Thanksgiving Tradition: Never Stop Shopping. Perfect and, yet, sad. If you have other financial goals than blowing money, you can call a hiatus on the holiday gift-giving. Our family did and so far no one has died. The kids will get gifts; adults will take
I was exercising at the gym this morning and “Big Love” by Fleetwood Mac came on my iPod. I was about the change it when I decided to listen. Lindsay Buckingham’s guitar skills on that song are amazing. When I was listening and doing bent-over-barbell-pulls, it struck me as ironic that two of my favorite albums came from dark places for the artists. Then, I thought, maybe their stories can be an inspiration for others.
The two of us were talking last night and agreed that fundamentally, owning and renting real estate is still a good investment when it’s done by “traditional means”. What are traditional means? Buy a diamond in the rough in a good location (walkability, schools, transportation, etc.) Putting 20%+ down on a loan Getting a loan with
In addition to going directly to Experian, Transunion Equifax and Credit.com, you can now go through FICO Score Open Access Lender to request your credit score information. Open Access will highlight the “two most important factors impacting your credit score”, which is helpful if you’re trying to improve your credit score. Before applying for any
Learn how owning a home may reduce your car insurance. Home ownership demonstrates a sense of financial maturity, thereby calculating that you’re not a risky customer. As always, do your research and shop for rates. Be money conscious and smart.
all been there. We walk into a bank to
apply for a loan, such as a home or car loan.
We barely walk in the door and the greeter says with a friendly smile,
“How may I help you?” After we share why
we’re there, the greeter says, “Let me get someone to help you.” After a few minutes and enough time to make
you think the person you’ll meet is somewhat important, the banker comes around
the corner, introduces themselves and says, “I hear you need help with a
loan. I can assist.” We walk into their office where they offer
coffee and donuts and we start discussing needs, loans, terms and
conditions. Throughout the process the
banker is friendlier than our best friend.
Once we sign the loan agreement and receive the follow up information in
the mail, the relationship seems to change.
errands this afternoon. I stopped by The
Post Office, filled up the car with gas and dropped off dry cleaning. Everywhere I went festive people were dressed
in Halloween costumes. I saw Jack
Sparrow and a Harry Potter character. I
think he was a Harry Potter character. I
saw a fireman. I’m positive he wasn’t a
real fireman. I saw a woman with a witch’s
hat and nothing else on her that resembled a witch. I saw lots of wigs, too. There are wigs of all different colors. Pink and blue seem to be popular this year. I blame Pink, Nicki Minaj and Katy Perry for
In 2006, we got the bug to stop renting and buy our own home. Who didn’t, then, right? Like most couples, we wanted a place of our own. We first educated ourselves on the process and the real estate market in the Denver Metro Area. We didn’t want to live far outside because this is a great location between our work, family and friends.
We talk a lot about managing our grocery budget. It makes achieving financial goals easier. As of 2012, the average household spends 9% of its income on groceries. This doesn’t include eating out (restaurants, shops or work/school cafeteria), household products or pet food. This is a significant portion of our budgets.