Terry J. Rigg Sr.

Your Finances
By Terry Rigg

Which category do you fall in?

I have determined that financially, people fall into one of
three categories.

1. Family 1 has all the money they need for necessities and
more and manage it very well.

2. Family 2 has all the money they need for necessities and
more but live payday to payday with ever increasing debt.

3. Family 3 don't have enough money for necessities.

The funny thing about the three families above is that they
could have exactly the same income and family size. This is
not to say that special circumstances has nothing to do with
it, but on the average most people live above their means.

Family 1 has established a workable budget. They don't pay
more than they can afford for housing, transportation,
utilities, etc. They also have money set aside for long and
short term savings. This short term savings provides two=
things. First, it makes money available when the car breaks
down, you need a new washer or any number of unexpected
expenses that crop up. Second, it prevents the need to use
credit cards for these items. The savings here could be
hundreds of dollars. Family 1 planned.

Family 2 is still struggling to establish a budget. In many
cases their house payments or rent is much more than they can
afford. They don't take the time to evaluate the money that
could be saved with little effort. Usually there is no short
term savings, let alone short term. They use credit cards as
if they were cash and pay hundreds of dollars in unnessary
finance charges and penalities. These people find themselves
with financial problems that often leads to bankruptcy. Family
2 either didn't plan or may not know how the handle their
finances.

Family 3 has given up on a budget. No matter what they do there
isn't enough money to pay for= housing and other necessities.
They struggle to put food on the table. Most don't qualify for
credit cards, which is a good thing. In some cases this
situation is self inflicted and some are due to circumstances.

What is the answer to these problems?

Family 1 - Leave these people alone unless you plan to ask their
advice.

Family 2 - These are the people that need to seek help and stand
a chance of becoming a family 1 family. The possible solutions
include a debt management company like Consumer Credit Counseling
Service. They need to establish a budget and stick to it. If
their housing and other expenses are too high, then they need to
cut back, even if they have to move. They also need to cut up
the credit cards and think about consolidating. Depending on
how far they are in debt, this could take years.

Family 3 - While their struggle seems useless, there are things
that can be done. First, they need to= see to it that everything
is being done to keep expenses down. The electric bill is a
good example. There is federally subsidized housing that only
charges a small fee based on your income. Make sure that they
are receiving all federal and state benefits that they are
entitled. If they are able, they should seek job training or
some other means to make their life a little better.

Which family are you? No matter whether your are family 1, 2
or 3, there is hope. The primary thing that must be done is to
educate everyone that learning to managing their finances is
absolutely for their peace of mind. With the vast amount of
information on the internet providing help, this is possible.

If you are a family 2 or 3 family, "The Complete Budget and Bill
Organizer" http://www.homemoneyhelp.com/BBOonline.html can help.

About the Author

Terry Rigg is the author of Living Within Your Means - The Easy
Way http://www.homemoneyhelp.com/ebookadpage.html and editor
of The FREE Budget Stretcher Newsletter and Budget Stretcher
web site http://www.homemoneyhelp.com. He has 25 years of
experience counseling individuals and families concerning their
personal finances. Use this email link to get a list of all of
Terry's articles by autoresponder at:
articlelist@budgetstretcherpremium.com

Terry J. Rigg Sr.

Your Finances
By Terry Rigg

Which category do you fall in?

I have determined that financially, people fall into one of
three categories.

1. Family 1 has all the money they need for necessities and
more and manage it very well.

2. Family 2 has all the money they need for necessities and
more but live payday to payday with ever increasing debt.

3. Family 3 don't have enough money for necessities.

The funny thing about the three families above is that they
could have exactly the same income and family size. This is
not to say that special circumstances has nothing to do with
it, but on the average most people live above their means.

Family 1 has established a workable budget. They don't pay
more than they can afford for housing, transportation,
utilities, etc. They also have money set aside for long and
short term savings. This short term savings provides two=
things. First, it makes money available when the car breaks
down, you need a new washer or any number of unexpected
expenses that crop up. Second, it prevents the need to use
credit cards for these items. The savings here could be
hundreds of dollars. Family 1 planned.

Family 2 is still struggling to establish a budget. In many
cases their house payments or rent is much more than they can
afford. They don't take the time to evaluate the money that
could be saved with little effort. Usually there is no short
term savings, let alone short term. They use credit cards as
if they were cash and pay hundreds of dollars in unnessary
finance charges and penalities. These people find themselves
with financial problems that often leads to bankruptcy. Family
2 either didn't plan or may not know how the handle their
finances.

Family 3 has given up on a budget. No matter what they do there
isn't enough money to pay for= housing and other necessities.
They struggle to put food on the table. Most don't qualify for
credit cards, which is a good thing. In some cases this
situation is self inflicted and some are due to circumstances.

What is the answer to these problems?

Family 1 - Leave these people alone unless you plan to ask their
advice.

Family 2 - These are the people that need to seek help and stand
a chance of becoming a family 1 family. The possible solutions
include a debt management company like Consumer Credit Counseling
Service. They need to establish a budget and stick to it. If
their housing and other expenses are too high, then they need to
cut back, even if they have to move. They also need to cut up
the credit cards and think about consolidating. Depending on
how far they are in debt, this could take years.

Family 3 - While their struggle seems useless, there are things
that can be done. First, they need to= see to it that everything
is being done to keep expenses down. The electric bill is a
good example. There is federally subsidized housing that only
charges a small fee based on your income. Make sure that they
are receiving all federal and state benefits that they are
entitled. If they are able, they should seek job training or
some other means to make their life a little better.

Which family are you? No matter whether your are family 1, 2
or 3, there is hope. The primary thing that must be done is to
educate everyone that learning to managing their finances is
absolutely for their peace of mind. With the vast amount of
information on the internet providing help, this is possible.

If you are a family 2 or 3 family, "The Complete Budget and Bill
Organizer" http://www.homemoneyhelp.com/BBOonline.html can help.

About the Author

Terry Rigg is the author of Living Within Your Means - The Easy
Way http://www.homemoneyhelp.com/ebookadpage.html and editor
of The FREE Budget Stretcher Newsletter and Budget Stretcher
web site http://www.homemoneyhelp.com. He has 25 years of
experience counseling individuals and families concerning their
personal finances. Use this email link to get a list of all of
Terry's articles by autoresponder at:
articlelist@budgetstretcherpremium.com

Michael VanDeMar

There are several reasons that might make someone consider refinancing their existing mortgage. One would be to get a lower interest rate than what they currently have, thereby reducing monthly payments and lowering the overall cost of the mortgage. Another is to shorten the length of the loan, which can save quite a bit in interest payments. Thirdly, someone may have other debts that they wish to pay off, and refinancing may provide them a means of consolidating that debt into one overall lower payment.
A lower interest rate isn't the only thing that should be taken into account when thinking about refinancing. There are costs and fees associated with refinancing your mortgage. The bank will charge fees, there will be costs for a new inspection and a new appraisal, title search, and so on. The process that is gone through is very much like the process that one goes through on getting a first mortgage. It requires a new application with a new credit check, survey, and appraisal. As it is with a first mortgage, this can be a long and costly process.
In general, it makes sense to refinance if the interest rate on the new loan is at least two percentage points lower than that of the current loan, although this is not always the case. Some things that need to be taken into consideration are the total cost of the refinancing, the total monthly savings, and how long you plan to stay in your house after you refinance. You can calculate how long it will take you to break even on refinancing costs by dividing the total cost of the refinance by the monthly amount you will be saving. For example, if the cost is $2,500, and you reduce your monthly payments by $100, then it will take 25 months to start seeing the savings from the reduced mortgage rate. If you plan on staying in your house longer than this, then it may just make sense for you.
Another reason that someone might consider refinancing is if they are trying to consolidate debt. In such cases, there is also the tax impact that one should look at. Many loan types are not tax deductible, whereas mortgage loans are. Therefore for that reason alone it may be a good idea to consolidate outstanding credit card debt, student loans, car loans, as well as others.
Some people may not have a choice about refinancing, it is a must for them. This happens in cases where they have a loan with a balloon payment coming up and no conversion option. In instances like this the best bet is to refinance the mortgage a few months before the balloon payment is due.
If you do decide that the costs associated with doing a refinance outweigh the benefits, you should ask your bank or financial institution if you can get some of the terms that you want by agreeing to a modification of your current loan. However you choose to go, remember that it always makes sense to consult with a mortgage professional before making your move. This can end up saving you both time and money. You should also do research before making a decision. Spend some time on the web familiarizing yourself with what you are getting yourself into. Take the time to read up on and understand what your options are.
More on Mortgage Refinancing.

About the Author

None

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Brad Slade

Refinancing has become a valid option for many individuals with high interest rates on their mortgage. Refinancing is essentially a replacement loan, with a different lender and (hopefully) a lower interest rate.

So why would you choose to refinance?

• You may be able to take advantage of lower interest rates.
  

• You may also be able to extend the repayment period of your mortgage. While you will end up paying more in interest charges for this, this will reduce your monthly outgoings.
  

• You may be able to switch from a variable rate to a fixed rate mortgage, giving you greater security in the future from potential rate increases.
  

• You may also be able to increase the amount of your mortgage, to pay off other, higher interest rate liabilities such as credit card debt, cell phone debt and personal loan debt. This will enable you to save money on interest rate charges
  

Why would you avoid refinance?

If you decide to borrow more than your existing mortgage, you need to be wary of your budget. If you default on your payments you run the risk of losing your house.

If you do not calculate the costs involved with refinancing correctly, you could end up paying more in interest charges.

Thoroughly review the contract of your existing loan, an early pay out could involve a penalty that would negate the benefits of refinancing.

What will it cost me?

Refinancing does carry some costs that you need to be made aware.

• Valuation Fee – This is the fee for a professional appraisal of the value of your house.
  

• Credit Report – An assessment of your credit health
  

• Escrow – Fee for money transferred by a third party.
  

• Lender Fees – Any other fees that are incurred by using a particular lender
  

Am I eligible?

Applying for mortgage refinance is just like applying for another loan. There is a set criteria for acceptance. Every missed mortgage payment will count against you in the application, either resulting in a greater interest rate or a refused application.

Should I choose refinancing?

You will need to assess your current mortgage and the changeover costs and savings to ascertain whether it will be of benefit to you. There are specific refinancing calculators that can help you determine the net gain. The best one that I have found is here http://www.calcbuilder.com/cgi-bin/calcs/HOM12.cgi/

As a rule of thumb many lenders advocate that a 1% gap between your current interest rate and a refinance rate makes refinance a worthwhile option. Always make sure to speak to a financial professional before deciding to refinance your mortgage.

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by Craig Romero

With so many homeowners refinancing lately, there are hundreds of refinancing questions being asked. One of the most common is "Should I refinance with my current lender?" The answer is both yes and no.

Your current lender should be the last lender that you obtain a quote from, but you should definitely contact them when you are thinking of refinancing. Get together quotes from other lenders, and then approach your current lender and ask them to meet, or even better, beat those quotes.

You can also ask them to waive certain settlement costs and other fees involved since you are already an established customer and your lender may have customer retention programs, but you will need leverage before you do this. That leverage should come in the form of quotes from your lender's competitors.

In fact, your lender may opt to just decrease the interest rate you are currently paying, thereby allowing you to avoid settlement costs altogether.

However, there are drawbacks to using your current lender. Your lender already has your business, once you pay the lock-in fee, they have your money too. Since they already have your mortgage, they have no incentive to close the deal in a timely manner. There are also times when lenders will not quote you the best rate they have, but will quote you a rate that is lower than your current rate.

For instance, if you're at an eight-percent interest rate currently, your lender may offer you 6.5 percent because it's significantly lower than your current rate. Normally, that would be great, but if rates are at 5.5 percent, your lender isn't doing you any favors. That is why it is so important to be prepared with quotes from other lenders. It lets you know what rates are available to you, and lets your lender know that you're not going into the situation blind.

A wise decision is to treat your current lender as you would any other lender (see examples at: http://debt-solution.biz ). If they do not come in with the lowest rate or best service, take your business elsewhere. While it is nice to do business with a familiar face, you are not obligated to refinance with them, and if you can save money by going elsewhere, you should do so.

About the Author

Written by Craig Romero/Mortgage Analyst

Discover how to quickly build a minimum of $40,000 worth of home equity and pay your mortgage off in 10 years or less without making biweekly mortgage payments. Visit:
http://debt-solution.biz

 

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Barrett Niehus

Should I Refinance?

By Barrett Niehus

Interest rates are at an all time low. Lower in fact than they have been in forty years. With this low rate comes huge opportunity for home owners to lower their payments and take some equity out of their home. The question about weather refinancing is necessary is dependent on your current financial situation, and what you will save versus how much the refinance will cost. The analysis is a simple one, but one must understand the process in order to benefit from the refinance activity.

When weighing the decision to refinance, one must simply look at your current monthly payment and your remaining payoff period. Then compare this to the monthly payments and required payoff after the refinancing activity. If the benefit of refinancing outweighs the cost of the process, then the refinance makes sense.

The easiest way to evaluate if a refinance makes sense from a quantitative sense is to list your current monthly payment the amount left on your mortgage, and the number of payments that you have left. Multiply the number of remaining payments by your current monthly mortgage payment and list this under all of the numbers.

Next to these numbers write down the amount that you are refinancing, the refinance period, and the estimated monthly payment. The payment amount can be calculated using a spreadsheet, or possibly a mortgage calculator like the one found at http://www.freetrainer.com/overview.htm. Within the amount that you are refinancing, be sure to include the cost of the refinance, origination fees, appraisal fees and transfer and escrow costs. Once again, multiply the monthly payment by the total number of payments and record this number.

If you are refinancing your current mortgage and not taking out any equity, the refinance makes the most sense if you can reduce your monthly payment, and if the total amount paid (number of payments multiplied by the monthly payment) after the refinance is less than the total amount to be paid on your current mortgage. If the monthly payment is less than your current payment, but the overall amount is greater, you must decide if paying less monthly outweighs the increased amount you will need to pay. The opposite decision is required if your payment goes up but the total amount due decreases. If in either of these situations, care must be taken and the returns evaluated carefully to make the best decision.

A caveat to the above analysis is that the amount refinanced must be equal to the existing mortgage. If the refinance amount exceeds the amount currently due on the mortgage then a much more complex analysis is needed. For this type of analysis, you will require a spread sheet with present value and amortization calculations. If you are not comfortable with these type of calculations, consult a financial advisor or accountant to assist with quantifying your decision.

------------------------------------------------------------
ABOUT IP WARE
http://www.freetrainer.com

With IP Ware Real Estate Investment Software, you can evaluate rental properties in seconds. Weed out unfavorable properties in minutes, and save weeks of research with a quick and concise analysis. Begin using this amazing tool TODAY! http://www.freetrainer.com

 

About the Author

Barrett Niehus is the Managing Director or IP Ware Real Estate Investment Analysis Software, http://www.freetrainer.com

 

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Syd Johnson

Once you get a quote for a home loan don't be tempted to take the entire amount if it looks like you overqualified. Most consumers fill out an application for a home loan and hope they can get enough money to buy their dream house.

A nice chunk of those consumers also overqualify for their home loans. If go to your local bank, credit union or mortgage broker and you are approved for a $500,000 home loan, they payments might be a bit more than you realistically afford.

Look at your entire budget
If you are not good with your money or would prefer to not stretch your finances to the limit to get a home, get your hands on a good mortgage calculator as soon as you get the figures on your home loan. You might think all will be fine as long as you can own your own property.

However, you must take into account all of the things that come along with owning a home. Sometimes you can get so caught up with the actual dollar amount of your home loan that you forget the other pieces of your budget.

Check your budget to see if you still have money to enjoy things like going out, purchasing new furniture, a family vacation once per year and regular manicures and pedicures. Then add in your student loans, car payments, credit card bills, lunches at work and tickets to take your family to baseball games a couple of times every season.

Don't forget home maintenance costs
There are also the home maintenance issues that are not included when you qualify for a home loan. If you live in a part of the country that's particularly hot or cold, your heating and air conditioning bill could easily add up to a couple of hundred dollars per month.

Your home loan package does not include budgeting for lawnmowers, landscaping and fixing broken windows. Some of these expenses can be put off until a later day, but some of them will require your immediate attention once you move into your home.

Know your spending habits
If you are used to living paycheck to paycheck and generally not taking care of your budget as a renter, you will probably carry over some of the same habits to your new home.

The best way to avoid a financial disaster is to make your home loan a part of your financial life instead of the centerpiece of your financial life. If you are stressed out about money issues from the very first move in, it is unlikely that you will enjoy your new home or anything else in your life for a long time.

About the Author

This article may be freely distributed as long as there's an active link to http://www.rapidlingo.com
Syd Johnson
Editor

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Let the banks compete for your refinance or debt consolidation! Fill out this 1 minute form and get a quote: http://www.better-life-2006.com/form - If you OWN real estate - LOWER your monthly payments! - Programs for every credit situation. - Credit history is NOT a factor. __________________ To be gone, go here

Holly Bentz

Just as one would shop around for the right automobile to suit your taste and financial style, the same is true in shopping for a personal loan. If you're thinking about taking out a personal loan, it's important to make sure it matches your paying and financial composite. For example, do any of the following apply to you?

1. If you plan to take out a personal loan do you plan to repay the loan off fast?
2. Would you prefer to stretch your repayment plan out for as long as possible?
3. Do you have poor credit – therefore gaining a personal loan approval is important to you?
4. Are you looking for the lowest interest rate possible on a personal loan?
5. Because you require a large sum of money (over $10,000) you would like to put your home up for collateral?

As the above questions depict, personal loans come in all assortments with varying terms and payment guidelines. As we all know all men are created equally, but not all salaries and personal loans are right for all financial needs.

Did you know that the average American consumer (almost 60 percent) carries – an average debt of over $10,000? Moreover, almost 60 percent neglect to remit their monthly credit card and mortgage balances on a timely basis. The profile of the middle class family is generally cash-challenged and used credit cards for their basic necessities.

In the realm of personal loans, American consumers must take caution during the search for a personal loan. Financial desperation has a way of affecting a consumer's judgment. Banks, creditors and lending institutions are targeting the financially fraught consumer. The sector is referred to as a "sub-prime" market. The target audience is the working poor or impoverished who are in most cases unable to make payments.

The rampant growth of the industries has been evident in both mortgage lending and cash advance firms. Normally, sub-prime loans (home financing and payday) are accompanied by mammoth interest rates. In reality, it boils down to supply and demand.

After all, why should an organization dole out loans or credit to consumers who are unable to pay or have demonstrated a poor payment history.

Fact: Annually, creditors and financial institutions charge over $7 billion in late fees.

Despite the advantages and drawbacks of personal loans, here are a few ways to shop for a loan customized to your financial style:

Fast Repayment Plan

If you plan to take out a quick personal loan to hold you off until you receive a tax refund or even a salary bonus, look for a personal loan that does not have a prepayment penalty. Since many payday loans and other personal loan products are designed to make the company money over the life of the loan, many carry a pre-payment penalty clause. Read the fine print and thoroughly review the contract to avoid being pigeon-holed into a personal loan.

Extended Repayment Program

The unemployed consumer should look for the personal loan where the repayment plan can be stretched out overtime. Opting for this type of loan can circumvent the chance of biting off more personal loan than one can afford while they are looking for gainful employment.

High Interest Rate

Some consumers do not have the luxury of being choosy in pursuit of a loan. Particularly, for the indebted with a low credit rating, the chances of personal loan approval may be limited. Generally, financial institutions up the interest rate based on how risky they deem the loan to be. Also, if a person has shown a poor payment history, the only way for the lending company to protect their interest is by charging an excessive interest rate.

Lowest Rate

Although the lowest interest rate possible always sparkles with appeal, it can be tricky. Pay particular attention to any personal loan that sounds too good to be true. For example, certain fraudulent lending companies will detail ambiguous wording in a personal debt agreement to purposely defraud the consumer of property (house or car).

Secured Loan

For a lending institution's perspective, the secured personal loan is completely failsafe for the bank. In any case, if the borrower defaults on the loan, they have an expensive property to sell to even make a profit. Before selecting a secured personal loan evaluate if the risk of possibly losing one's home is worth the pay-off of any loan worth $10,000 or more.

Whatever you personal loan you decide to take out, remember to prioritize what is important and only select the loan tailored to your financial situation.

© About-Personal-Loans.com. All rights reserved.

About The Author Holly Bentz is a finance writer and a contributor to About Personal Loans. About-Personal-Loans.com

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William Cate

Selecting An Equity Finance Consultant
By
William Cate

Most Chief Financial Officers (CFOs) realize that it's a hundred times easier to raise venture capital for a public company than a private company. There is no shortage of individuals and firms seeking to advise and coordinate the going public process for CFOs. The problem is that many of these equity finance consultants are inept and/or dishonest. Here are some simple rules for finding a competent and ethical advisor.

Avoid firms that don't disclose anything about themselves or their employees. The Net is a wonderful free-tool for doing "Due Diligence" investigations on firms and individuals. Do an advanced search on the firm and its principals. Credit checks and background investigations are wise investments before you hire any consultant.

All equity finance consultants have two basic ways to take your company public. They can help you do an Initial Public Offering. Or they can suggest one of several alternative ways to go public in the USA. None of the alternative tactics include a public financing for your company. Whatever solution the prospective equity consultant advises, you should ask for an estimate of costs, time to trading and the odds of being called for trading. You should also determine how the equity finance consultant expects to make money helping your company go public.

If you have an operating company and decide to do an IPO, your costs should average between $1.5 and $2.25 million. You should expect that it should take an average of 18 months to get your "Effective Letter" from the SEC. And your odds of success are about even, that is, 50/50. You should expect to pay your underwriter about 18% of the money raised. You will be expected to pay non-refundable upfront expense fees. You should budget $10,000/per broker presentation that will be needed to help the underwriter raise your IPO money. If your prospective consultant disagrees with these guidelines, ask them in writing for the evidence to support their viewpoint.

IPO alternatives range in costs from $60,000 to several million dollars. Amazingly, the most expensive IPO alternative is the most popular. While doing a reverse merger shouldn't cost your company more than $150,000 in out-of-pocket Due Diligence costs, the expense of maintaining your shell float's share price will run into millions of dollars.

In a reverse merger, the public shell insiders retain their shares. This means they have several million shares of your stock to sell. You are responsible for finding the public buyers of their stock and all future shareholders of your public company. Let's assume that the reverse merger insiders have three million of your public company's shares. Your goal is to maintain a $4 share price. The previous shell owners will gross $12 million on the sale of their reverse merger shares. It should cost you $0.25/share to buy the past owners' shares. The past owners will take a three million-dollar bite out of your investor relations' budget.

However, that's only the beginning of your problems. Your reverse merger public company must now find the buyers, each quarter, for those past insider shares. Assuming you can maintain the same $4 share price, the estimated annual investor relations costs will be $12 million per year, in addition to any other shares in the public float. This $12+ million investor relations cost will continue as long as the company is public and trading at $4/share.

The cash price of an OTCBB (Over-the-Counter Bulletin Board) shell with 90% or more control is about $1.5 million. The primary advantage to a shell purchase is that the buyers are certain that their shares will trade. The major disadvantage is that the shell insiders often create shares for themselves and hide this fact from potential buyers. The industry axiom is that there is no such thing as a clean shell. Thus the buyer also inherits the future costs of finding the buyers for those hidden shares.

There are alternatives to taking a company public whic cost less than $100,000. They don't create stock that enters the float. If you are interviewing potential equity finance consultants, you should ask them for their low cost strategy and determine its odds of working for your company. You should also ascertain the ongoing investor relations costs of any public company strategy.

Most professionals in the equity finance business have far more interest in short-term profits than long term earnings. If your purpose in going public is to give your investors a "liquidity event," you'll easily find equity finance consultants who share your myopic vision. If you are going public to build your company, you should read my ebook Venture Capital Profits. It's the formula for a win/win public company strategy. The public profits. The insiders and private placement investors maximize their profits.

About the Author: Since 1981, William Cate has been managing Director of Beowulf Investments [http://home.earthlink.net/~beowulfinvestments/], a Merchant Banking and Equity Finance Consulting firm. He can be contacted at: Beowulfinvetments@Earthlink.net

About the Author

He has been the Managing Director of Beowulf Investments [http://home.earthlink.net/~beowulfinvestments/] since 1981 and is the Executive Director of the Global Village Investment Club [http://home.earthlink.net/~beowulfinvestments/globalvillageinvestmentclubwelcome/]

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Sally Summers

If you want to make shopping much, much easier -- whether you're looking for the best mutual fund, car insurance, cell phone, television or toaster...If you want to know the pros and cons about products and services -- before you shell out your hard-earned money...If you want to know the healthiest, most nutritious foods for you and your family...

When you put Consumer Reports to work for you, you get more than 100 car experts, engineers, chemists, statisticians, nutritionists, money advisors and safety gurus you can count on!

Live healthier, wealthier and wiser with the facts you find only in Consumer Reports:

* How to lose weight without feeling hungry
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* What your car mechanic might not tell you
* The scary reality about chicken safety and salmonella poisoning
* What your travel agent won't tell you
* The top-rated 27-inch television
* Ways to slash your car insurance costs
* What the appliance store salesman won't tell you
* The expensive secret about premium gasoline
* The only airline consistently rated high for good service and low prices
* The truth the diet gurus refuse to tell you
* Best picks for this year's new cars
* And much, much more!

Consumer Reports compares features, sorts through the choices, analyzes the options and reports back to you. You benefit from the clear advice. Useful recommendations. Wise insights. Simple, easy-to-understand information.

You'll discover new products. New technology. New ideas. New ways to make your life better, safer, easier and more enjoyable, too. You'll know powerful facts. You'll avoid problems. Spot scams. Get the best value for your money.

Consumer Reports is the only magazine of its kind!

Consumer Reports is 100% nonprofit. And Consumer Reports doesn't have to worry about big car companies, big manufacturers, big financial institutions or big airlines pulling their advertising dollars. That's because Consumer Reports doesn't carry any advertising. Consumer Reports is paid by you only and works for you only! Consumer Reports tells you the truth -- in plain English -- straight from the experts at the world's largest consumer product testing center.

About the Author

Sally Summers is Editorial Director at www.BlueDolphin-Magazines.com and www.Magazine-Supermarket.com. You can read her weekly blog at http://sallysummers.blogspot.com where she talks about today's most popular magazines and how they can enrich your daily life.

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James H. Dimmitt

Kick off 2004 with these 7 money resolutions and get a fresh financial start to the new year. At year's end, you'll be surprised at how much you've reduced your debt load and the money you've saved!

1) I will create and use a budget.

A budget helps you see exactly where your money is going from week to week and month to month. Creating and using a budget, no matter what your income level, will help you reach your financial goals more easily than without one.

2) I will use my budget to help reduce my credit card debts.

Let's say you are able to save $20 a month by budgeting your money. You could take that $20 and place it in a savings account where you would earn minimal interest. Or you could use that same $20 and add it to your budgeted credit card payment reducing your credit debt in two ways. You'll be reducing the amount you owe your creditor and you'll also reduce the finance charge on next month's bill.

3) I will pay more than the minimum due on my credit card bills.

If you just pay the minimum due on credit card bills, you'll barely cover the interest you owe. It will take you years to pay off your balance and you'll end up spending thousands of dollars more than the original amount you charged.

4) I will make my payments on time and avoid late fees.

Making late payments adds to your debt load and may increase the annual percentage rate (APR) your creditors charge you. Additionally, late payments are reported to the credit reporting agencies and negatively affect your credit rating.

5) I will not use my credit card at an ATM or a bank for a cash advance.

Cash advances on credit cards are assessed special fees and higher interest rates than what you pay for purchases made with your credit card. Creditors apply the majority of your monthly payment to your purchase debt rather than cash advance debt which increases the overall amount of interest you'll pay to your creditor.

6) I will spend my money sensibly.

Using your budget, you may find that you're spending a good chunk of your income on discretionary items: morning coffee and donut, a weekly magazine, fast food lunches, etc. Each purchase seems like a small amount of money at the time, maybe $3-5. But these small purchases add up quickly and amount to hundreds of dollars a year. Ask yourself if you really need these items and reduce your amount of discretionary spending. Use your savings to pay down credit card debt.

7) I will live within my means.

Are you an impulse buyer? Do you use your credit cards to supplement your income? Do you feel the need to have the latest fashions, cars, stereos, etc.? If you answered yes to any of these questions, chances are good that you are overspending. And overspending means more debt - debt that will keep you from achieving your financial goals.

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Carrie Reeder

If you have a current mortgage and are unhappy with the interest rate or the amount of the monthly payments, it is possible to refinance your home and eliminate your problems. But before you call your lender, there are some questions that you should ask yourself in order to determine whether or not it's the right time for refinancing your mortgage loan.

The first question that you should ask yourself is if you have the cash on hand to pay the fees. Depending on the amount of your mortgage, and the specific fees that your lender will charge, you could pay anywhere from a couple of hundreds dollars to a few thousand. Be sure that you're financially ready for the move before applying for the loan.

Next, you should take a look at the current interest rates compared to the ones on your existing mortgage, and then decide whether or not a refinance would help your situation. For example, if you have an ARM mortgage, and the interest rates are at an all-time low, you might want to refinance your loan and turn it into a fixed rate so your payments won't go up again as rates rise. In addition, if you have a fixed rate, but bought your home when interest rates were higher, you might want to refinance in order to lower yours.

If you find yourself with a lot extra debt, you could take advantage of a cash-out refinance loan. With this type of loan, you add on an amount to your home loan, refinance the entire thing at a lower interest rate, and then take the "extra" money out and pay off your debt. This will allow you to reduce the amount of debt you owe (because the interest rate will be lower), and at the same time, reduce the amount of the monthly payment.

Most experts agree that you shouldn't go to the trouble or expense of refinancing your home if you don't intend to stay in it for at least three years. Otherwise the cost of the process would likely be more than the overall savings.

To view our recommended sources for mortgage refinance loans, visit: Recommended
Refinance Mortgage Lenders Online

About the Author

Carrie Reeder is the owner of ABC Loan Guide, an
informational website with articles and the latest news about various types of loans.

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Carrie Reeder

When going to refinance or get a mortgage loan quote, the internet can be a useful tool to shop around for the best interest rate. The reason the internet is a good place to start applying, is because most mortgage applications online do not typically pull your credit with the first application. Most of the time, the application will ask you to describe your credit. Once you have received an initial offer, then, the mortgage loan consultant who contacts you will ask you if they can pull your credit.

The point is, there is really no risk in applying to many different mortgage companies or lenders online. This can help you compare refinance quotes from multiple lenders.

There are quite a few mortgage companies out there that will submit your pre-approval application to hundreds of lenders and then forward you the 4 best mortgage loan refinance quotes. To see a list of these companies, click on the link below. If you do this pre-approval process with about 3-4 companies, in less than 24 hours, you could have mortgage refinance quotes from about 12-16 lenders. Imagine how comfortable you would feel knowing what all of your refinance options are. If you had over 10 mortgage loan offers, you would not make the mistake of settling for a refinance loan that is not the best you can get.

When refinancing, you absolutely want to make sure of a few things before you settle on an offer:

1. Make absolutely sure that you are getting the lowest mortgage rate possible for your qualifications. With mortgage rates slowly on the rise, you want to make sure that you are not getting a mortgage loan any higher than you can qualify for. If you go direct through the lender and not use a broker middleman, sometimes that can help you get a lower interest rate.

2. Find out what your closing costs are going to be. You may be going back and forth with different lenders to get the lowest interest rate and then get dinged at the closing table with massive closing costs. Ask each lender that makes you an offer to give you an estimate on what the closing costs are going to be and compare the lenders.

3. Make sure the terms of the financing are what you want. If you want to have a variable interest rate, then get one. If you are more comfortable with a 5 year fixed rate, then make sure that you don't get talked into settling for something less. You can't refinance as often as you want, so you want to make sure you do it right, because once your done, you are locked in.

Take advantage of the internet and apply to many different mortgage companies that will provide you multiple offers. Do this to make sure you can compare offers from many different companies instead of taking a chance of getting what you don't want.

To see our list of highly recommended refinance mortgage lenders who can give you quotes from multiple lenders, visit this page: Recommended Refinance
Mortgage Lenders.

About the Author

Carrie Reeder is the owner of ABC Loan Guide. ABC Loan Guide is an informational loan website with informative articles and lists of recommended lenders for all different kinds of loans.

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Carrie Reeder

A 2nd mortgage is a secured loan on your property, with your home serving as collateral. Depending on the particular terms of your second mortgage, you could be able to refinance if you wish to reduce your monthly payments or are in need of extra cash. Refinancing a 2nd mortgage can be an option for those who want to pay off their mortgage (excluding any home equity lines of credit), reduce the interest rate they currently pay on their second mortgage, or simply want reduce their monthly payments. Refinancing a 2nd mortgage can also be an option if the homeowner wants to pay off the mortgage, including home equity lines of credit, and receive cash.

You can refinance your second mortgage even if your credit is less than perfect. Second mortgages are an excellent means of reducing monthly payments and getting extra cash for bills, remodeling needs, or any reason the homeowner sees fit. If your interest rate on your 2nd mortgage is substantially above the current interest rates being offered by most lenders, you may be able to refinance your second mortgage. Sub-prime loans are available for second mortgage refinances and even with adverse credit, you may be able to lower the amount of interest you pay on your second mortgage. A poor credit rating is no reason not to explore the possibility of refinancing your 2nd mortgage.

Lenders are standing by to give you a no-obligation quote on refinancing your second mortgage. You can get quotes from several different lenders with one simple application, reducing the number of inquiries on your credit report. Often you can submit your application with no initial credit inquiry at all. Now is the perfect time to think about refinancing your second mortgage. You could be approved in less than twenty-four hours and begin saving money each and every month.

Refinancing your second mortgage is a fast, easy process and with the availability of multiple quotes from one simple application you will be assured you are receiving the lowest rate and best terms possible for your individual situation. If you have poor credit, you may still be able to refinance your 2nd mortgage. Mortgage lenders work with any credit situation and may be able to save you money by refinancing at a much lower interest rate that you currently pay. Get multiple quotes on refinancing your second mortgage from one fast, simple online application. The potential decrease in your interest rate could save you money on your payments each and every month.

To view our list of recommended second mortgage refinance lenders, visit this
page: Recommended 2nd
Mortgage Refinance Lenders.

About the Author

Carrie Reeder is the owner of ABC Loan
Guide, an informational website with articles and the latest news about
various types of loans.

To stop further mailings or to change your details, click here.

Carrie Reeder

If you have seen all the advertisements regarding refinancing your house you may be wondering if refinancing can actually save you money. The answer is yes! Interest rates are at the lowest levels in decades and there has never been a better time to refinance your home. Before choosing a lender to refinance your current mortgage, consider a few key factors and analyze your options. Your current interest rate, the length of time you plan to stay in your home, your credit rating, and the value of your home are all important issues to consider when looking to refinance your house.

Refinancing your house can save you thousands of dollars over the length of your mortgage. Depending on your current interest rate, your monthly house payment could drop by a substantial amount. Even if you have adverse credit, lenders are waiting to give you a quote on refinancing your house. There is no need to apply to many lenders to get the lowest rate possible. Online mortgage companies can often give you quotes from multiple lenders, eliminating concerns about multiple inquiries on your credit report.

Refinancing your house can allow you to shorten the term of your mortgage without drastically increasing the amount of your monthly mortgage payments. If your current interest rate is substantially higher than the present prime rate, you could refinance for a shorter term and with the potential decrease in the amount of interest you pay, your house payments could stay the same or increase only slightly. Mortgage brokers are available to give you an accurate analysis of your financial situation. You can receive quotes from multiple lenders, get expert advice on refinancing your mortgage, and save money each and every month.

Now is the perfect time to refinance your house. Interest rates have never been lower and the availability of multiple quotes from different lenders will ensure you of getting the lowest rate possible. If your credit is less than perfect, you can still refinance your home. Sub-prime lenders can help you lower your interest rate, even with adverse credit. If you are considering refinancing your house, get multiple quotes today and you could be on your way to saving money each and every month. Interest rates have never been lower, and even if you have adverse credit, you can still refinance your home and save thousands of dollars over the length of your mortgage.

To view our list of recommended refinance lenders online, visit this page:
Recommended Refinance
Lenders.

About the Author

Carrie Reeder is the owner of ABC Loan
Guide, an informational loan website with articles and the latest news about
various types of loans.

To stop further mailings or to change your details, click here.

Jim Edwards

The largest financial obligation most people ever take on couldn't escape the reach of the Internet. Home mortgage loans originated online comprise an integral part of one of the largest and most profitable aspects of the banking industry. Unlike many shifts in big business recently, this change actually seems to greatly benefit consumers by increasing competition and placing more financial control in the hands of homeowners.

To finance or refinance a home in the olden days (before the Internet), you needed to find a mortgage lender, broker, or banker who wanted to make a loan for you. Though mortgage lenders always wanted to make good loans, the process of gathering information to compare interest rates, points, and loan programs among lenders presented a tedious task for borrowers. Without a centralized information source for mortgage rates, loan programs and financial advice, most people just called a few banks and went with the lender that seemed to offer the lowest rate for the least discount points.

Now borrowers can access up-to-the-minute financial information and economic indicators online. Comparing rates and fees between lenders takes only the click of a mouse. Loan programs and mortgage calculators quickly figure the best strategy for everything from which loan represents the lowest cost over time to how much money a borrower could save by prepaying their mortgage on a monthly or bi-weekly basis. Financial tools available online truly empower any borrower with Internet access.

Though the Internet represents a faster and more hassle-free way to refinance your first or second mortgage, remember these important facts:

Loan Programs – Just because the Internet makes the loan process easier doesn't mean you should abandon common sense. Take the time to analyze which loan program best meets your needs based on the big picture of how long you'll live in the house, the payment you can handle comfortably, and how much cash or equity the lender requires.

Fees – All lenders don't charge equally. Many offer a lower interest rate, but make up the discount in fees and charges. Analyze costs between lenders by obtaining a list of all associated loan fees known as a "Good Faith Estimate".

Service – Obtaining a loan online won't do you a bit of good if you run into a problem and need to speak with a live human. Make sure your online lender maintains offline customer service.

Rate Lock-in – The lender's website should clearly explain their interest rate lock-in period and policy. Don't get lured in by a lender offering a lower rate and points only to find out the hard way that your interest rate lock expires before you can get the loan closed.

Loan Commitment – Find out from the lender's site what legally binding documentation they provide to document the loan commitment once you get loan approval.

Though many borrowers use the Internet purely for research, record numbers now go online to apply and complete the entire mortgage process on the Web, while saving significant money and time in the process.

Copyright 2005 Jim Edwards

About The Author Jim Edwards is a consultant specializing in internet mortgage refinance strategies and consumer home loan information. He is the author of "The TEN Dirty Little Secrets Of Mortgage Financing" at http://www.mortgageloantips.com/info.html and offers a free mortgage e-course at http://www.mortgageloantips.com/eclass.htm.

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Carrie Reeder

Refinancing your home equity loan is an excellent way to save money. By refinancing your home equity loan you can lower your interest rate and finance for a longer or shorter term. Some things to consider before refinancing your home equity loan are the possible tax benefits, how long you intend to stay in your home, what your long term financial goals are, and how could you use the money to benefit your family. Refinancing your home equity loan is a great way to save money each month.

A home equity loan is a great way to get the cash you need and lower your monthly payments at the same time. If you already have a home equity loan you may be able to refinance at a lower interest rate and save money. With one short application you can get several quotes and be pre-qualified by multiple lenders. The quotes are free and there will be no credit check until you select the lender that will offer you the best terms. Refinancing your home equity loan could give you extra cash each month and drop your interest rate dramatically. Bad credit, past bankruptcy, and foreclosures are all considered. There are numerous options available in refinancing your home equity loan.

One simple online quote request will give you several quotes from lenders who can design a loan package especially for your situation. If you are a homeowner with an existing home equity loan, consider refinancing to take advantage of the many loan options offered by mortgage lenders. Your quick online quote request will give you quotes from several lenders who can refinance your home equity loan even if you have poor credit. There is no mandatory credit check so you will only have one inquiry on your credit report after you have selected the lender that is right for you.

Refinancing your home equity loan is a smart way to save money and lower your monthly payments. Find the best lender for you with a fast, no-obligation application that you can complete online in just minutes. Even a small decrease in your interest rate can save you thousands of dollars over the length of your loan. Contact a mortgage broker or lender today and find out how much money you can save with one short application. You can be pre-qualified in just minutes. Refinancing your home equity loan makes perfect sense for those who want to lower their monthly payments and save money each month. Your online application will put you in touch with lenders who are able to offer you great terms and low interest rates, even if your credit is less than perfect.

To view our list of recommended home equity refinance lenders online, visit this
page: http://www.abcloanguide.com/homeequityloan.shtml Recommended
Home Equity Refinance Lenders.

About the Author

Carrie Reeder is the owner of ABC Loan
Guide, an informational loan website with articles and the latest news about
various types of loans.

To stop further mailings or to change your details, click here.

Vanessa McHooley

Let's face facts. Going to college these days, especially private universities, is no cheap task and can put you well into debt before you even enter the "real world" for yourself. Most people, especially young college students, do not have the tens of thousands of dollars to pony up every year for college tuition either. Therefore, most college students choose to use student loans to put themselves through college, whereby they can pay the tuition without breaking a sweat. However, when it comes time to graduate from college and pay these student loans back, many people do not know where to begin. How about refinancing these loans before you even start anything else?

Advantages of Refinancing

By refinancing your student loans, you can save yourself hundreds, even thousands of dollars before you start repaying your loans, an option that many people fail to use. When you leave college, chances are that you have a variety of loans on the books with an array of different interest rates attached to each one. Refinancing these loans can help you to lower these interest rates, or, at least, bring some of them down, thus lowering your monthly payments and saving YOU money in the end. Even if all of your interest rates cannot be refinanced, chances are that you can save money in some places through refinancing.

Where To Refinance?

But, when it comes to refinancing, where do you turn to find a reliable place to lower your interest rates? The Internet may just be your one-stop-shop for refinancing your student loans from college, as you can search a variety of sites that offer refinancing services to suit your needs. Be careful though. Not every web site offering financial help will actually help you, and non-credible sites may actually just be out to steal a buck from you. Deal with those college student loan web sites that deliver real refinancing results and are properly licensed. Then, sit back and enjoy your money-saving tactics.

This article is distributed by NextStudent. At NextStudent, we believe that getting an education is the best investment you can make, and we're dedicated to helping you pursue your education dreams by making college funding as easy as possible. We invite you to learn more about Refinance Student Loans at http://www.NextStudent.com.

About The Author Vanessa McHooley My goal is to help every student succeed - education is one of the most important things a person can have, so I have made it my personal mission to help every student pay for their education. Aside from that, I am just a pretty average girl from San Diego California.

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Carrie Reeder

When going to refinance or get a mortgage loan quote, the internet can be a useful tool to shop around for the best interest rate. The reason the internet is a good place to start applying, is because most mortgage applications online do not typically pull your credit with the first application. Most of the time, the application will ask you to describe your credit. Once you have received an initial offer, then, the mortgage loan consultant who contacts you will ask you if they can pull your credit.

The point is, there is really no risk in applying to many different mortgage companies or lenders online. This can help you compare refinance quotes from multiple lenders.

There are quite a few mortgage companies out there that will submit your pre-approval application to hundreds of lenders and then forward you the 4 best mortgage loan refinance quotes. To see a list of these companies, click on the link below. If you do this pre-approval process with about 3-4 companies, in less than 24 hours, you could have mortgage refinance quotes from about 12-16 lenders. Imagine how comfortable you would feel knowing what all of your refinance options are. If you had over 10 mortgage loan offers, you would not make the mistake of settling for a refinance loan that is not the best you can get.

When refinancing, you absolutely want to make sure of a few things before you settle on an offer:

1. Make absolutely sure that you are getting the lowest mortgage rate possible for your qualifications. With mortgage rates slowly on the rise, you want to make sure that you are not getting a mortgage loan any higher than you can qualify for. If you go direct through the lender and not use a broker middleman, sometimes that can help you get a lower interest rate.

2. Find out what your closing costs are going to be. You may be going back and forth with different lenders to get the lowest interest rate and then get dinged at the closing table with massive closing costs. Ask each lender that makes you an offer to give you an estimate on what the closing costs are going to be and compare the lenders.

3. Make sure the terms of the financing are what you want. If you want to have a variable interest rate, then get one. If you are more comfortable with a 5 year fixed rate, then make sure that you don't get talked into settling for something less. You can't refinance as often as you want, so you want to make sure you do it right, because once your done, you are locked in.

Take advantage of the internet and apply to many different mortgage companies that will provide you multiple offers. Do this to make sure you can compare offers from many different companies instead of taking a chance of getting what you don't want.

To see our list of highly recommended refinance mortgage lenders who can give you quotes from multiple lenders, visit this page: Recommended Refinance
Mortgage Lenders.

About the Author

Carrie Reeder is the owner of www.abcloanguide.com. ABC Loan Guide is an informational loan website with informative articles and lists of recommended lenders for all different kinds of loans.

To stop further mailings or to change your details, click here.

Carrie Reeder

If you want a low interest, low payment mortgage refinance, refinancing online could be the answer. There are many mortgage companies who specialize in mortgage refinancing online. No matter what your credit history, you can refinance your mortgage online and potentially save thousands of dollars in interest on your loan. With interest rates being at a historical low level, customers expect great rates and low payments from mortgage lenders. Online lenders can offer you free quotes and low interest rates when you apply for a mortgage refinance loan online.

Online lenders compete for customers by offering incentives and extremely low interest rates, even for a subprime loan. Bad credit will not disqualify you when you apply to refinance online. Subprime online lenders will offer you the lowest rates possible and easy terms on your refinance loan. Refinancing online is quick, easy, and convenient. You can be pre-qualified or even pre-approved in a matter of minutes. You can begin the refinancing process now when you complete a mortgage refinance application online.

If you have less than perfect credit, you can still qualify to refinance online. There are online lenders who specialize in subprime loans for those with poor credit history. As with any mortgage lender, subprime loans will have higher interest rates than loans for those with good or excellent credit. Subprime lenders, whether traditional or online, will assist you in getting the lowest interest rate possible for your credit situation. Bad credit will not prevent you from refinancing your mortgage online.

You should comparison shop when looking for online lenders. In order to get the very best terms when you refinance online, you need to compare the interest rates and monthly payments offered by various online lending institutions. Online lenders compete for customers and are currently offering amazingly low interest rates and may be able to drop the amount of your monthly payments dramatically. When shopping for online lenders it is wise to get quotes from several different lenders before making a decision. Finding the best interest rate possible can save you a lot of money over time. When you refinance online you will find mortgage experts who will assist you during each step of the refinancing process and will answer all your questions in a prompt, professional manner.

Refinancing online is an excellent choice when shopping for mortgage lenders. Your application will be processed quickly and one or more online mortgage companies will contact you promptly. If you would like to take advantage of today's low interest rates, apply to refinance your mortgage online today. A poor credit history will not prevent you from qualifying for a mortgage refinance loan from an online lender.

To view our list of recommended online refinance mortgage lenders, visit this page:
Recommended
Online Refinance Mortgage Lenders.

About the Author

Carrie Reeder is the owner of ABC Loan
Guide, an informational website with articles and the latest news about
various types of loans.

To stop further mailings or to change your details, click here.

Carrie Reeder

Refinancing your home mortgage can come with some great perks. If you do it with no money out of pocket, you can skip one to three mortgage payments. You can save money on your payment or pay off your entire mortgage faster when you have better terms. Here are a few things to pay attention to when you refinance your mortgage loan, to make sure that you don't overlook anything that you might regret, or that can cause you problems later:

1. Apply for a pre-approval to many different lenders to make sure you are getting the lowest rate possible. When you do this, make sure that with the initial pre-approval application, the lender is not pulling your credit history. You will want to reserve your credit pull for the lender that you are most likely to work with. You can decide that after you have gone through the preliminary pre-approval process with a few lenders. Each time your credit is pulled, it docks your credit score just a little. If you have too many inquiries, it could keep you from refinancing your mortgage loan with the lowest rate possible. When you pre-apply for home mortgage loans online, most lenders or mortgage service companies will not initially pull your credit. Check for information about this on their website. They will usually tell you whether or not they are going to pull your credit. Also, if on the application you do not give them your social security number, they cannot pull your credit. If, on the application, they ask you to describe your credit, they are probably not pulling your credit.

2. Make sure that your original mortgage does not have a pre-payment penalty or early payoff penalty of any kind. Sometimes people will get into their mortgage with the mortgage having a pre-payment penalty and they will not even know about it. Pre-payment penalties usually range from 6 months to 3 years with a penalty for an early payoff. The penalty is usually about the amount of 6 months worth of your mortgage loan interest, but this varies. You would have to be able to have some significant payment and interest savings on your refinance loan to justify refinancing a mortgage loan with a pre-payment penalty.

3. When evaluating different lender offers, in the mortgage loan pre-approval process, pay closest attention to the interest rates they are offering & the closing costs. These are the two biggest factors that will help you figure out which lender is right for you. If one of these two factors is too high, it could offset the benefit of refinancing for you.

4. Get your interest rate and closing costs in writing as soon as you decide on a lender to work with. Get your lender to give you a commitment in advance of all of the costs that will be involved with your loan. Find out if the refinance loan you are getting has a pre-payment penalty as well. Sometimes lenders will leave out important information like this, if they think it might scare you away from refinancing with them.

To view a list of highly recommended refinance mortgage lenders, most of which will not pull your credit in the initial application, visit this page: Recommended Refinance
Mortgage Loans

About the Author

Carrie Reeder is the owner of http://www.abcloanguide.com. ABC Loan Guide is an informational loan website with informative articles, the latest finance news and lists of recommended mortgage lenders.

To stop further mailings or to change your details, click here.