by Craig Lewis on September 2, 2010
Many people consider life insurance an important investment for their future. This is a very important matter that people need to think about seriously before just buying the first thing that comes along. Let’s look at some things to remember if you are in this kind of situation.
One of the first things that needs to be done is an assessment of the debts that are owing. These are all bills and loans that are still being paid on that will need to be paid at the time of your death. Many people want to be sure that they have enough life insurance to cover all of these debts so that the remainder of the estate is left untouched ...click here to continue
by Floyd J. Tapia on July 14, 2010
A major player in helping homeowners get into a home much faster has the the United States Department of Agriculture. They would guarantee lower interest rates and no or low down payments for rural home buyers.
However, with the stringent St Louis home mortgage lending requirements facing would be homeowners today, tens-of-thousands of potential buyers have been ushered into this program with promises of a better life, a better home loan in a financial fairytale land not so far away.
And according to federal banking statistics, in 2006, the USDA program backed about 31,000 loans or $3 billion worth. And then in 2009, that ...click here to continue
by Peter Conway on July 8, 2010
People are continuously searching for the place they can consider as “ideal.” They move from one city and from one neighborhood to another. They bring with them high hopes of finding the house that will greatly entice them. When they have finally laid their eyes on it, another problem comes into the picture. What will happen to their present houses? The question is irksome because the monetary value of the houses is at stake.
Most people spent and invested their sweat, money and time in building their houses and having them not used is tantamount to abandoning them. This is such a disturbing idea.
Because home ...click here to continue
by Mike Rockwood on June 21, 2010
It’s just part and parcel of the mortgage modification process in 2010 - REJECTION! Lenders can’t deliver performance levels that satisfies anyone in spite of over two years of work and over eighteen months of financial incentives from the President’s Making Homes Affordable Modification Program (HAMP). Even well qualified applicants are getting rejected. Sometimes, more than once.
I’ve come to think that rejection is a good thing! Recently, I reviewed our files and in the past 6 months not a single mortgage modification was granted without first being rejected. Every one of the modifications I have completed ...click here to continue
by Paul Myers on May 26, 2010
From 2005 onwards the sale of Payment Protection Insurance (PPI) has been regulated by the Financial Services Authority (FSA). The FSA created a set of rules that are very clear and dictate what firms and advisers selling payment protection should do and say at the time of sale. Misold or miselling a police can occur if the advisor fails to adhere to these rules.
If you have a credit agreement in place and where not made aware by the advisor of the following terms when you took out your payment protection insurance then there is the distinct possibility that the PPI you have could have been misold to you:
Your advisor should ...click here to continue
