Archive for 'Personal Financing' Category
Capital One said it will shut down GreenPoint Mortgage
Capital One said it will shut down GreenPoint Mortgage and eliminate most of the jobs by the end of year. The company will “cease residential mortgage origination” effective immediately and close GreenPoint’s Novato, Calif., headquarters and 31 locations in 19 states.
The company said it will honor commitments to customers with locked rates who have […]
Yahoo! Finance Article On Million Dollar Debt Cost
Found this interesting on Yahoo!. An article that claims consumers can lose up to $1,000,000 over their life-time if they have bad credit. They have some numbers to back up the claim to. It’s really just simple math.
Here is a short quote from their full article, that covers just the mortgage side of a bad […]
Graduates Financially Ignorant
I’ve been ranting about this one for a long time now. After my first personal bankruptcy, I took full responsibility for our financially doomed marriage. I didn’t blame anyone else for my financial mess, but maybe I could have.
We need to start teaching our children how to manage money! This is not rocket science for sure, […]
Paying Off Student Loans
Janet Bodnar wrote a great piece on student loans. I left all the links intact because, in this case, they’re very helpful to the article. As we all know, student loan repayment has become a big problem in the personal finance arena. Enjoy…
Citing higher levels of student loans and other debt among college grads, one book title […]
The Big 6 Mistakes In Personal Financing
1. Buying Too Much House
While it’s never smart to be penny-wise and pound-foolish when making important investments like buying a new home, it’s also never smart to think, “Oh, what’s another hundred thousand dollars when I’m already spending more than I ever have?” The answer is quite a lot and possibly more than you can handle.
While […]
Using real estate to build your individual retirement account
SCOTTSDALE, Ariz. (MarketWatch) — Four years ago, Vincent McCord was approached by a developer about investing in the construction of a Las Vegas shopping center. He liked the project and wanted to diversify his portfolio beyond stocks, bonds, and mutual funds.
Originally Syndicated via RSS from MarketWatch.com - Personal Finance News
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Mutual-fund and ETF performance, analysis and more
Anyone who believes the flood of exchange-traded funds is watering down the ETF business will find the irony in the fact that one of the strongest ETFs nowadays is made of steel.
Originally Syndicated via RSS from MarketWatch.com - Personal Finance News
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Government Grant Guides
The World of Financing (WOF) has been researching the various Federal Grant guides available online. There are several companies that have websites promoting their Federal Grant process. We’ve provided a list.
Federal Grant Offers
Dollar Grants - $24.50/ membership - instant access/login to their directory and all their information for procuring a gov grant.
Federal Grant Source - $29.95/lifetime membership […]
Personal Financing - Don’t Ever Let A Lender Touch Your Home Equity
Once you have a home, never use your home equity as your collateral for a loan, unless you really have to. We have lenders on this site that will provide home equity loans but it must be your last resort. IF you do get a home equity loan, make sure you are prepared to pay […]
Personal Financing - If You Don’t Have Real Estate Yet - Get Some - #3
Don’t let a bad credit rating be an excuse for not becoming a home owner. As long as you have a job, and it does not have to be a great job, the banks will consider lending you the money you need to be a property. Remember that the banks LOVE house because they make […]
Personal Financing - If You Don’t Have Real Estate Yet - Get Some - #2
You have to live in a house, condo, or apartment anyway, so you might as well be making money with property investment. In most states or provinces there is no tax on the money you make when your home appreciates, so it’s FREE MONEY just for living. You can often find a mortgage or home […]
Specialty Financing
Website: http://www.JGWfunding.com
Description: J.G. Wentworth is a leading specialty finance company that purchases deferred payment streams in exchange for immediate cash payment. J.G. Wentworth works with individuals who have a structured settlement, annuity, or private mortgage note and find themselves with a need to access the funds in advance of the vehicle’s set maturity date. […]
Personal Financing - If You Don’t Have Real Estate Yet - Get Some
No matter what your age is or how late you’ve started in your retirement planning, it’s never to late to buy real estate. I’ve worked along side co-workers who don’t own their own property, and yet they made the same amount of money per month, and they had less expenses than myself. When I ask […]
Credit Ratings - The Cost Of Declaring Bankruptcy
When I declared bankruptcy I was shocked to find out that it would cost me over $2000 dollars to do it, but it did. I think the actual number was $2200 when I was all done and processed by the trustee.
I can’t tell you the relief I felt when I went to the law offices and spoke with […]
Personal Financing - Cutting Down On Your Spending
We all know how important it is to spend less so that we can save more, but far too few of us do a good job at it. Statistics show Americans to be abysmal savers. Our society worships the good life. We can’t let our neighbors, friends, or coworkers beat us in the game of […]
Personal Financing - Watch Who You Listen To
You shouldn’t follow any financial strategy just because it says so in a book (or on a web site), or you read about it in The Wall Street Journal, or you heard some “guru” spouting on TV. Ditto for the advice you get from your financial advisers. After all, these folds have an agenda. They […]
Personal Financing - What Your Credit Report Says About You
Most people finance their homes with mortgages and pay for their cars with loans. Young people often obtain loans to pay for college. And, of course, lots of people make purchases with credit cards.
You can’t expect to receive credit as a matter of course, however. You must apply for it. And just as you would […]