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For many people, owning a home is part of the American Dream. Given the recent explosion of available homes on the market coupled with historically low interest rates, it’s no wonder that more and more people are taking steps to purchase their own home. With a bit of careful planning and consideration of the following tips, you can ensure your future as a homeowner isn’t merely a pipe dream. Continue reading Three Key Steps to Becoming a Homeowner The housing market across the country has been through rough times and recent data seems to indicate that the worst may be over. But is this really the case? There are numerous factors in play in the housing market such as supply and demand, regional economic conditions, unemployment rates, shadow inventory, and mortgage rates. The last two take on special significance in the current housing scenario. Let’s take a closer look Continue reading Housing Market: Shadow Inventory and Mortgage Rates Going through the mortgage process can be an intimidating, overwhelming experience, even for people who have done it before. For newcomers, it can be especially difficult. It’s easy to understand why: you’re facing the prospect of entering into an agreement that puts you on the hook for huge amounts of money over a very long period of time. Mortgage contracts are long, complicated and filled with minutiae. The entire process can be Continue reading 3 Essential Tips for Finding the Best Home Loan Dominique Brown is a financial planner, landord, personal finance blogger and video blogger. He is the owner of YourFinancesSimplified.com where he talks about everything from being a new father to his worst financial mistakes. He is also the owner of InsiderRealEstateTips.com where he talks about real estate exclusively. You can find him either on Twitter, Facebook, Youtube or Instagram. It can be overwhelming to wake up one day and realize, “OMG! Continue reading 4 Steps to Take When You Realize That OMG! I Need to Sell My House Selling your house can be a pretty stressful thing to go through; there’s so much to think about and so much to do. Sometimes, it’s easy to forget that it’s a transaction, and you want to make as much money from the sale as possible. When we’re talking about house money, we’re talking serious cash, so the more you can squeeze out of it, the better. There are a couple of Continue reading How to Squeeze Extra Cash Out of a House Sale Mortgages can eat you alive. That’s because even after you decide upon all of the home loan particulars you’re looking for, there’s still that process of finding the best deal for you and your family. For example, you may know that you are looking to finance $200,000 for 30 years, but how do you find the best interest rates? Here are a few options: Research Online The Internet has become a fantastic place Continue reading Great Ways to Save on Your Home Loan Vanilla or chocolate? Credit or debit? House Hunters or Jersey Shore? Some questions can be answered with relative ease by almost everyone. When it comes to paying down mortgages early, however, a much more perplexing question for most folks is whether it’s better to make a single large extra principal payment annually or twelve smaller ones each month. Is one method better than another? Does one prepayment method save more interest and result in a quicker Continue reading Question: What’s the Fastest Way to Pay Down My Mortgage Early? The 1906 San Francisco earthquake showed why it's a bad idea to build brick and masonry buildings in an earthquake zone. Early last month my then-12-year-old daughter Nina had her nerves frayed by three magnitude 4.5 earthquakes that struck Southern California over a two-day period. Although the three temblors were extremely modest by Southern California standards, the epicenters were roughly five miles from our home — which meant we were among Continue reading All Shook Up: The Pros and Cons of Earthquake Insurance As this penny illustrates, even the United States Mint occasionally makes money mistakes. I’m not ashamed to admit I’ve made more than a few mistakes in my lifetime. After all, everybody screws up occasionally; for us humans, mistakes come with the territory. For example, I remember the time I decided it would be great fun to play Wii golf for eight consecutive hours. So I did. Unfortunately for me, my middle-aged left Continue reading The 50 Biggest Money Mistakes Household CEOs Make |
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Economic Collapse 101: What It Will Look Like, and How It May Start
It takes courage to face the bogeyman.
I bet many of the good folks in Great Falls, Montana, were more than a little worried earlier this month after a local television station there sent out an ominous message warning viewers that the dead were “rising from their graves and attacking the living.”
Hold on, hold on. Before you grab your shotgun and hunker down in the basement, consider this: It turns out
Continue reading Economic Collapse 101: What It Will Look Like, and How It May Start