Articles and Tips August, 2009
Payday Loans – Rip Off or Smart Financial Tool?
Running short of cash with bills to pay? Should you consider a Payday loan to get you through a tight spot? If you’ve been reading any of the other financial advice articles on this website, you know that we make it a point to encourage you to make smart financial decisions. Taking out a short term loan from a Payday lender with an effective annual percentage rate that makes most hand-held calculators produce an “error” message ...Free Credit Reports
How to Order Your Credit Reports The only authorized website where you can order your credit reports for free is at Annual Credit Report (www.annualcreditreport.com). This site is operated by the three major credit agencies and is the central hub where orders are placed. You can also order them by phone through each of the three credit bureaus. The Major Credit Bureaus These are the three main credit bureau agencies operating in the United States:...Latest Articles
Should You Pay Off Your Mortgage Early?
I often find myself in long conversations with my borrowers over the best way to pay off mortgages early. Do I recommend the “Bi-Weekly Payment” ...
Making Sense of the new Tax Credit Extension
Homebuyer Tax Credit Extension
Okay, I think I get it now and I’m ready to give you the scoop on the new tax credit extension. ...
Variable Rate vs. Fixed Rate
Choosing a Variable Rate is like Ordering a Pizza
“Should I pick an adjustable rate mortgage, like a 3/1 or 5/1 ARM, or go with ...
Washington Women Veterans Summit 2009
"Top 10 Ways to Get Out of Debt and Build Wealth" is the title of my workshop at the Women Veterans Summit this year. I’m ...
Know your Statutes of Limitations
“Can you just make a small payment as a show of good faith?” Have you been called by a collection agency trying to collect on ...