Planning to sell your house? – Costs you should be aware of

Selling off a house can end up being a pretty disappointing experience if you’re unaware of the involved costs and don’t finally make as much margin as you had expected to. Being aware of all such costs can help you in creation of a practical plan for the purchase of your next home. In general,[…]

Is it Expensive to Refinance My Home?

Home ownership is one of the goals most individuals, both young and old, strive to achieve. In healthy market environments, real estate appreciates in value creating a long-term asset that generates the potential for a substantial return over time. Fortunately, becoming a home owner does not have to be a difficult task in terms of[…]

How to Get the Best Interest Rate on a Mortgage

For most people, your home is the biggest purchase you will ever make. It’s an investment not only of money but also of time and emotion. Choosing your home is a decision that you make meticulously, with lots of consideration and compromise. The paperwork that will pay for your home should have the same level of[…]

Will Applying For A Credit Card Hurt My Chances Of Getting A Home Loan?

Will Applying For A New Credit Card Hurt My Chances Of Getting A Home Loan?

Buying a home and applying for a home loan is both an exciting yet tense event.  Any sudden financial change can potentially put your mortgage application in jeopardy.  There are several factors the loan underwriters will use to determine your creditworthiness for a home loan, and one of those is applying for new credit cards.[…]

When is the Best Time to Sell a House?

There comes a time in our lives where we decide to pack up and move away. It’s totally natural, right? Maybe you own a house by yourself, and you’re finally making the decision to move in with your soon-to-be husband. Maybe you live somewhere with a cold climate and you’re aching for warmth. Or maybe[…]

Using ChargeSmart to Pay Your Mortgage and Earn Points

For me, my daily struggle is finding innovative ways to earn more points.  There are many ways out there, simply by putting all of your purchases on a credit card.  But, after you do that, where do you expand?  Where do you go to find those hidden points? For me, that answer lies in rent[…]

Is A Roth IRA The Perfect Savings Plan For You?

As far as retirement plans go, a Roth IRA can make the most sense for a lot of people. Both Traditional and Roth IRAs provide a way to shelter your savings from taxes. Typically, when you invest in, say, a mutual fund, you pay taxes on the money you put in and then you pay[…]

Good vs. Bad Debt

The word “debt” carries a lot of bad connotations for credit card holders in the current economy. There’s a difference, however, between good and bad debt. Good debt is considered to be a sort of investment – anything that will create value. School loans, auto loans, and business loans are generally considered “good,” while things[…]