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Evaluating Combining Your Mortgage and Your Home Equity Loan
If you are like many, you have used an increase in the value of your home and the equity you have built up as a source of borrowing through a home equity loan. Home equity loans have been attractive because they are relatively simple, flexible, usually only require payments of monthly interest and provide tax…
Evaluating Debt Consolidation
If you are like most Americans, your mail box is filled with offers for credit cards, mortgage refinancing and home equity loans. Many of those offers stress the benefits of moving existing balances to the new lender. While that may sound appealing, especially if the new loan offers an attractive initial interest rate, it is…
Fund Your IRA the Easy Way With an Automatic Savings Plan (Calculator)
Your Individual Retirement Account (IRA) is one of the four main components of a financially secure retirement. Anyone with wages under the age of 70 ½ can contribute, the annual contribution limits have been increasing and there are tax benefits. Benefits Add Up The amount you can accumulate depends on two factors – what you…
Home Equity Loans: A Powerful Financial Tool (Calculator)
The equity you have in your home can be a powerful tool in managing your overall financial situation. Your equity, the value of your home minus your existing mortgage, can serve as collateral for additional borrowing. Attractions of Home Equity Loans Convenience – It easy to apply and the approval processes can be fast. The…
Evaluating Your Mortgage Options Finding the Mortgage that Meets Your Objectives
Finding a mortgage can be a strenuous process. It can seem as though there are dozens of different types with different interest rates, different lengths and other terms. To find the “right” mortgage not only should you consider those items, you should also consider your objectives: How long do you expect to live in the…
Evaluating Refinancing Your Mortgage
It is more than rates, it is your objectives, too. If you are like most people, your home is your most valuable financial asset and your mortgage is your largest debt. Consequently, periodically examining your existing mortgage and potential mortgage options makes sense. As part of this review, be sure to include several factors: …
Reduce Your Monthly Mortgage Payments By Increasing Your Down Payment (Calculator)
The size of your mortgage payment is determined by two factors – the interest rate and how much you borrow. There is little you can do to reduce the interest rate. However, you can reduce your mortgage payment by having a larger down payment. Using an automatic savings plan is the easiest way to build your…
Replace Your Credit Card Debt with a Home Equity Loan
Credit cards can be a great convenience, but the interest rates charged on unpaid balances are usually much higher than those found with home equity loans. If you have significant credit card debt you should consider paying off the credit card balance by getting a home equity loan. If you itemize your tax deductions you…
An Easy Way to Save for Any Reason (Calculator)
Having more money is better than having less money. You may be thinking of a vacation, a new car, an addition to your house, your retirement or just the peace of mind that comes with having a larger balance in your savings account. There is no easier way to save than with an automatic savings plan. How…
Your Honeymoon: Save Now and Enjoy or Pay More Later
If a honeymoon is in your plans, you should consider the financial aspects along with all the details of your trip. Those issues are how much is it going to cost, how are you going to pay for it and what steps can you take now so you enjoy your honeymoon even more knowing it…
Save for Your Retirement
Add $50,000, $100,000 or even $500,000 to Your Retirement Savings Your personal savings are one of the four building blocks of a financially secure retirement along with your company’s retirement plan, your IRA and Social Security. The amounts you will receive from those last three sources are somewhat out of your control. Social Security benefits…
Does Your Adjustable Rate Mortgage Still Make Sense?
Adjustable rate mortgages (ARMs) became very popular a few years ago (especially 2002 to 2005) because ARM interest rates, and resulting monthly payments, were significantly less than those found with traditional 30-year fixed rate mortgages. Arms typically have 30 a year amortization schedule and an interest rate that can be adjusted after an initial rate…
Your Next Vacation Save Now and Enjoy or Pay More Later
If a vacation is in your plans, you should consider the financial aspects along with all the details of your trip. Those issues are how much is it going to cost, how are you going to pay for it and what steps can you take now so you enjoy your vacation even more knowing it…
Preparing to Finance Your Auto Purchase
Buying a new car is exciting. You will probably drive several cars to find the one you want and ultimately drive home with a sense of pride and satisfaction. But the process of buying can be stressful with the pressure of dealing with the sales person and handling all the financial aspects of the actual…