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- What is a Good Credit Score? 640? 670? 740?
- Is the Housing Market Getting a Little “Bubbly” All Over Again?
- FHA Mortgage Insurance: Big Changes On the Way, And Not For the Better
- Ten-Year Treasury Yield And Mortgage Rates Increase Aggressively
- Mortgage Advertisements: Pay Attention to the Fine Print
- Fed to Continue Buying Bonds for Forseeable Future?
- Avoid This Deal-Killing Mistake the Next Time You Apply for a Mortgage
- Home Affordable Refinance Program (HARP) For Underwater Homeowners Extended to 2015
- Large Cyprus Depositors Could Lose Up to 60% of Their Account Balances
- Eurozone to Cyprus: Take the Bailout, Or Else
If you’re on a mission to control your spending to pay off debt, save up an emergency fund, pay off your mortgage faster, or save for retirement (and all of these are fantastic goals), the one big budget-wrecking mistake you must … Continue reading
According to CBS, 40% of Americans have less than a mere $500 in “readily accessible savings”. Folks, many Americans are living on the financial redline, and when unexpected expenses come up, they end up pulling out the credit card and setting themselves back financially even more. Continue reading
According to CNBC, student loan debt has once again hit a new record. And, unfortunately, the younger generation – and the housing market – will be feeling the pain for many years to come. I’ve written about this subject on numerous occasions on this blog, so for those who’ve followed for a while, it’s no surprise that I’m not a fan of student loans at all. I think there are plenty of reasons people should think very carefully about loading up with student loans. Continue reading
If you’ve followed this blog for a while, you’ve probably already figured out that I’m not much of a fan of student loans. Good paying jobs just aren’t as easy to come by for college graduates these days, so student loans can be an enormous financial burden that can hang with a young person for many years after graduation. Continue reading
For many seniors, carrying student loans into retirement can create an enormous financial burden that can’t be wiped out in bankruptcy. Even worse, Social Security recipients who fall behind on their loan payments may get a very nasty surprise when their next check comes. Continue reading
Business Insider has a great article about a couple in Virginia who decided to live debt free after reading The Total Money Makeover and going through Ramsey’s Financial Peace University course. Continue reading
This Week’s Totally Money Blog Carnival: A Roundup of Great Personal Finance Posts From the Blogosphere
So begins the latest Totally Money blog carnival, hosted by yours truly! If you’re not familiar with a blog carnival, it’s basically a round up of some of the most interesting and informative posts in the blogosphere. Continue reading
Your credit scores are considered predictive of how you pay back borrowed money, so it shouldn’t be a surprise that banks tend to give them a lot of weight. If you have clean credit with good payment histories on all of your accounts, you can expect to get much better financing terms than if you have low credit scores because of late payments, collections, high credit utilization, or a short credit history. Continue reading