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Free Personal Budget Financing Tool (iphone app)

You can use it to find out if you are living within your means and how your budget compares to an ideal, recommended budget. Use this App to find too[...] read more »
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FHA Loans 101

An FHA loan is one of the tools available if you want to buy a home but don’t have much money for a down payment. However, it is important to conside[...] read more »
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» Home Affordable Refinance Program HARP Expands Eligibility

In order to encourage lenders to refinance homes, the government unveiled the Home Affordable Refinance Program (HARP) in 2009. However, some homeown[...] read more »
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Violating a Personal Finance Rule: I Just Bought a NEW Car!

Until now, we have generally followed the “only buy used” rule in our marriage. All of that went out the window when we began looking at the Subaru O[...] read more »
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Could Canada Be Facing Its Own Housing Bubble?

Canadians may not have much to crow about soon. Canadians have surpassed Americans in household debt, and there might be a mortgage bubble growing as[...] read more »
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Should You Refinance to a Shorter-Term Mortgage?

A mortgage with a shorter term would help us build equity faster, pay off our home faster, and save money in interest costs over time. However, refin[...] read more »
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Does It Make Financial Sense to Walk Away from Your Mortgage?

While many of us hate the very idea of a foreclosure, the idea of strategic default is appealing to some. read more »
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Old Cars, when do we push them off the cliff?

A good run-down of the financial factors to consider when faced with an old car that might need to be replaced. read more »
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How to Get a Mortgage with a Low Credit Score

Your credit worthiness is judged by your credit score; mortgage lenders assess your credit history in order to understand what level of risk you are [...] read more »
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How to Get Rid of Your Private Mortgage Insurance

In most cases, PMI is added to your mortgage payment. The good news is that PMI can be canceled once you meet certain requirements. read more »
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Don’t Believe These 3 Mortgage Myths

Mortgage rates are low, and it is tempting to buy a new house, or refinance. Before you get too excited about the latest mortgage rates, it’s importa[...] read more »
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Want to Save Money? Choose a Smaller Home

We have found that it is much easier to live within in our means in our more modest abode. Here are some of the ways that a smaller home saves us mon[...] read more »
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Home Mortgage Rates – 6 Key Factors

When your mortgage rate is set, there are six key factors used. Here they are. read more »
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Mortgage Rates Continue to Hit New Lows: Time to Refinance?

I am very interested in refinancing our loan. Especially now that the national average for a 30-year mortgage has slipped below 4%. read more »
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Should You Do a HELOC or a Second Mortgage

Most people, when deciding to access the equity in their homes, choose either a HELOC or a second mortgage. Depending on what you are planning, one m[...] read more »
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