A lot of real estate agents are looking at the housing market and convincing a lot of people to purchase homes that they cannot afford thanks to the lower interest rates. It is important that you focus on understanding your financial situation first to know if you can actually afford a home. Even with all the interest rates that are low, you have to be careful when making an investment in real estate.Emotional buyers can easily end up in a home that they cannot afford or they end up letting some … [Read more...]
What Does Your Insurance Policy Say?
Have you taken a look at your insurance policy recently? You may be charged more money than what you should be paying! Insurance companies are prone to adding in new fees and other things from time to time, and gradually do it when people are not reviewing their insurance policies. The problem that a lot of people find is that insurance policies are incredibly hard to read because of how long they are and the verbiage used in them as well. You need to be able to look over your insurance policy … [Read more...]
Your Guide To Get The Best Car Loan Rates
Are you looking to purchase a new car soon? A car loan can be a big decision because of how much money it costs based on the interest rates. It is important that you do your research and find out which banks are offering the best rate to make the car loan affordable. How can you get the best car loan rates? Here are some tips that can help:Determine how much you can afford to spend. To get the best rates you have to know what your budget amount is. If you try to get a loan that is too expensive, … [Read more...]
Is now the best time to buy a house?
When I bought a house for the first time 15 years ago, the best mortgage rate I could get on my $130,000 fixer-upper (with a $10,000 down payment) was 6.8% fixed. That didn’t sound so bad at the time – mostly because that was the lowest rate available. I soon realized that if I used the full 30 years to pay it off, with compounding interest, I would have ended up paying over $302,500! That is well over double the amount of the original price of my house. Fortunately I was able to refinance over … [Read more...]
Change the Way You Think About Interest Rates
Think about what you would do if you threw a large party for 100 people and nine extra guests came. Not a big deal because you probably made too much food anyway. You decide to invite the nine extra guests as regulars to the next party. The guest list is 109 people. However, at the next party what if those nine people each brought his or her spouse? You are a little panicked because the food may run a little short. But you pull it off – just barely. The invited guest list becomes 118. So next … [Read more...]
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