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Author Archives: Guest Post

Know Before You Owe: Making the mortgage process easier for you


Sep 17 2015 By Patricia McClung Since opening our doors over four years ago we’ve heard from homebuyers that the process of buying a home is overwhelming and confusing. We’ve heard that closing is often rushed, not allowing enough time to review before signing on the dotted line. For consumers who apply for most mortgages on or after October 3, ... Read More »

    3 Financial Habits to Start Before Fed Raises Interest Rates


    Predicting if and when the Federal Reserve will raise interest rates is a fool’s game, though plenty of people try doing it. Last week’s inaction by the Fed to hold interest rates where they are may prolong global uncertainty, though it’s a global uncertainty that has been around since the last time the Fed raised interest rates in 2006. Its main interest ... Read More »

      HMDA data shows more people took out a mortgage to purchase a home in 2014 than 2013


      Sep 22 2015 By Jessica Russell Today, the Federal Financial Institutions Examination Council (FFIEC) published the 2014 Home Mortgage Disclosure Act (HMDA) data showing that more people took out a mortgage to purchase a home in 2014 than in 2013 and that fewer people refinanced their mortgages. As part of our work to educate consumers to make informed financial decisions, ... Read More »

        Know Before You Owe: Loan Estimate


        Sep 23 2015 By David Friend Our new Loan Estimate makes shopping for a mortgage easier than ever. The new form is a part of our Know Before You Owe mortgage disclosure rule that is making the mortgage process work better for you. The Loan Estimate uses clear language and design to help you understand the key features, costs, and ... Read More »

          Finding a Bank That Treats You Fairly


          I think it’s fair to say that most readers are looking to get better results with their finances. One of biggest changes you can make with your money is optimizing your banking system. Staying with a Big Bank Just Because If you ask people about their banks I think many would either be apathetic about the no frills of their accounts or ... Read More »

            Know Before You Owe: Closing Disclosure


            Sep 23 2015 By David Friend After you’ve shopped around for a mortgage and requested at least three Loan Estimates, compared the offers, and picked your loan, for most mortgages you’ll get a Closing Disclosure, at least three business days before closing. The Closing Disclosure is a five-page form that helps you understand the key features, costs, and risks of ... Read More »

              Know Before You Owe: New Mortgage Disclosures, New Rule


              Oct 5 2015 By Diane Thompson Today, the process of getting a mortgage is easier to understand because the Know Before You Owe mortgage disclosure rule is now in effect. The disclosures required for getting most mortgages have been redesigned to help you shop around to compare offers and find the loan that’s the best for you. We’ve also required ... Read More »

                The Complete Guide To Making More Money


                My frugality has served me well. It’s allowed me to live on a budget in one of the most expensive cities in the word. It’s afforded me the opportunity to follow my dreams of professional acting. It’s taught me the importance of conscious consumption and a strong financial foundation. But a couple of years ago, it hit me that my frugal hacks ... Read More »

                  Saving with a “Salvaged Title” Car


                  Many families need a reliable, spacious vehicle. For many, new vehicles are unaffordable. According to Kelley Blue Book, the average cost of a 2015 vehicle is over $33k. Ouch. That’s why many are looking for affordable options. Some are considering buying a wrecked vehicle that has been repaired or can be. Prices are drastically reduced, which makes them very appealing. ... Read More »

                    How to Pay Off Student Loans…In Song

                    get out of debt

                    Seventy percent of college students are now graduating with student loan debt. If the ever rising cost of higher education is any indication, that’s not going to change any time soon. For members of the class of 2015, the average student loan bill was $35,051. How are a young, twenty somethings surviving on unpaid internships and crummy starter salaries supposed ... Read More »

                      What’s that chip doing on my credit card?


                      Sep 29 2015 By Will Wade-Gery Did your bank recently send you a new credit or debit card with a shiny, metallic chip on the front? You may have noticed that some cards have this chip in addition to the standard magnetic stripe on the back of the card. Lately, we’ve received questions from people wanting to know what these ... Read More »

                        Raising Future Millionaires


                        Maybe it’s a bit presumptuous on my part to title this post “Raising Future Millionaires”, a better title may have been “Raising Potential Future Millionaires.” Although I do not know what the future exactly holds for my three children, I do know my wife and I have laid down a solid foundation for them so far. No I’m not here ... Read More »

                          5 Inspiring Warren Buffett Investing Quotes


                          Warren Buffett is considered one of the most successful investors of our time. According to BusinessInsider‘s Andy Kiersz, in “Here’s How Rich You’d Be if You’d Invested $ 1,000 in Buffett Way Back When”, $ 1,000 invested in Berkshire Hathaway in 1964, would be worth about $ 11.6 million today. This information uses the 1964 share price of $ 19 ... Read More »

                            How Much Do We Need to Save For a Baby?


                            Having a baby girl has been a wonderful blessing for us. As we’re settling into her 3rd month, we’re constantly surprised at how quickly she’s growing. When we found out we were expecting, my husband and I decided that we were going to set aside some money to cover baby expenses. If you’re in the same boat, I hope this ... Read More »

                              Budgeting for Travel as Part of Your Retirement Planning


                              For years, you dreamed of traveling after you retired. Now the time is near and you’re ready to pack your bags, but you wonder how much it will cost and how you’ll budget for the trips you’re planning. To help us answer that question, we contacted Donna L. Hull. Since 2008, she’s traveled and blogged about it at My Itchy ... Read More »

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