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What You Need to Know Before Paying Your Taxes with Credit

Tax time can be pretty stressful, especially if you do not have the money to pay what you owe. The IRS accepts credit cards for tax payments, but does this mean you should be quick to pull out your credit card to pay your bill? Think twice, because it will cost you. When you don’t have the cash in savings to cover a tax bill, you need to figure out which type of payment will cost you the least amount […]

7 Reasons Reverse Mortgages Can Be Dangerous

It’s almost impossible to watch TV today without seeing commercials advertising reverse mortgages, many of which feature celebrities past their prime, such as Henry Winkler, pushing the benefits of “guaranteed tax-free income” for seniors. What these commercials fail to tell you is reverse mortgages can be very dangerous and put your home at risk. What is a Reverse Mortgage? What is a reverse mortgage, exactly? Basically, it’s a loan product only for homeowners who are 62 or older. There are […]

Think an FHA Loan is the Best Choice? Think Again!

If you’re buying a home and don’t have a lot to put down, you’re probably considering an FHA mortgage. You may want to reconsider! The Federal Housing Administration (FHA) has helped millions of home buyers purchase their first homes for more than 80 years, providing loans that are easier than conventional loans to qualify for with smaller down payments and lower interest rates. FHA loans have long been seen as a great deal for millions with average credit and little […]

Do You Make These Mistakes When You Refinance Your Mortgage?

Mortgage rates are still near historic lows, but this won’t last for long. Rates are expected to go up a full percentage point before the year ends. If you’ve been putting off refinancing your mortgage, now is certainly the time — but that doesn’t mean you should rush your decision and make a mistake you’ll be living with for years to come. Avoid these common blunders as you shop for a new mortgage.   1. Be realistic about your home’s […]

It’s Still Possible to Save for Retirement with Student Loan Debt!

If you’re trying to pay down student loans, you know just what a burden they can be. Still, you have an even bigger priority to worry about: your future retirement. It’s easy to put off retirement savings — after all, it may be twenty or thirty years away — at a time in your life when you’re dealing with rent or a mortgage, student loans, credit card debt and daily expenses. Don’t forget, though: after retirement, you’ll be living completely […]

7 Essential Tips for Getting a Mortgage that Saves you Money in 2014

With new mortgage rules set to take effect and rates ready to climb, you may feel like your chances of getting an affordable mortgage are over. The good news is it is possible to get a mortgage that saves you money this year, as long as you keep your finances in order, work hard to get the best rate possible and be ready to grab a deal when you see it.   1. Make sure your finances are documented In […]

Do You Make These 7 Common Mistakes On Your Car Insurance?

Insurance is an important tool for protecting your assets — but that doesn’t mean you should pay more than you have to. Reviewing your car insurance policy is probably at the bottom of your to-do list, but it’s time to bite the bullet if you want to save yourself money and avoid the trap so many of us fall into: paying our premiums month after month without ever a second glance. If you’re like most people, you’re probably making a […]

Do You Recognize the 6 Early Warning Signs of Foreclosure?

If you pay any attention to the news, you’ve probably heard how high foreclosure rates reached across the United States over the past six years. While this rate is dropping, foreclosures are still a problem in many areas. If you’re struggling with housing debt, remember that foreclosure doesn’t have to be inevitable, especially if you pay attention and catch the problem early enough to get help. The best way to deal with foreclosure is meeting the problem head on. If […]