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How to Decide Whether to Open a Shorter or Longer Term CD
Wondering whether to open a long-term CD and get the most yield, or a short-term CD and hope that rates move up? It's a question I get asked all the time. While there is no absolute answer, there are several factors to consider that may help you make a decision.
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What is a Mortgage Rate Lock and How Does It Work?
You have probably heard the term "mortgage rate lock" or "lock in your rate" when you are searching for a home. But do you know what this term means and how it is beneficial to you?
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The Factors Lenders Use to Evaluate Your Mortgage Application
When banks evaluate your application for a mortgage, there is a rough formula they use to determine how credit worthy you are and whether to approve your application. Understanding this formula can help you strengthen your application and increase your chances for getting the loan you want.
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Comprehensive List of Mortgage Assistance Programs
It seems like every week the government is announcing a new program to help homeowners. To make sense of all of these programs, we've pulled them together and listed them below. If you are having trouble with your mortgage, or can't refinance your house, hopefully one of the programs on the list will provide you with some assistance.
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How Much of Your Money Should Be in Cash?
We all know the expression that cash is king. But with rates on savings, checking accounts, and CDs in the low single digits, the question is, how much of a king? How much money should an individual hold in cash?
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Fixed Rate IRA Guide
Fixed Rate Individual Retirement Accounts (also called CD IRAs) are certificates of deposit held within a traditional Individual Retirement Account (IRA) or a Roth IRA. As a result, any interest on the certificate of deposit accumulates according to the tax advantages of the IRA.
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Top 10 Tips to Bank Online Safely
Millions of individuals use online banking as a convenient and fast way to manage their finances. Yet, many people also do things that jeopardize the security of their account information. If you decide to bank online, here are a list of the top ten things you can do (or not do) to help you bank more securely online.
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The Difference Between Banks and Credit Unions
On the surface, banks and credit unions look very similar. They both take customer deposits in the form of savings accounts, certificates of deposit, and checking accounts. They both also lend money in the form of mortgages, home equity loans, auto loans, and credit cards. They both have branches, electronic banking, and many of the services that facilitate the savings, transfer, and lending of money. But a deeper examination reveals profound differences that impact the rates that you receive as well as the customer service provided to you.
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Four Strategies for the Home Seller Where the Appraisal Comes In Below the Offer
With so many homes dropping in value in recent years, many home sellers are getting “sticker shock” when they get their appraisal. What do you do if your home appraises for much less than what you expected?
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Income Generating Investments - Comparison Chart
The updated chart below provides a quick comparison of several different asset classes that produce income for investors. It includes assets deemed to be almost totally safe, such as FDIC insured CDs and U.S. Treasury Securities to more risky investments such as dividend stocks.
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Understanding Amortization and How the Mortgage Loan is Paid Down (and Off)
Before purchasing a home it is important to review and understand mortgage amortization or how your mortgage loan will amortize.
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Guide to Adjustable Rate Mortgages
A comprehensive guide to adjustable rate mortgages.
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Texas Ratio: Bank Ratio for Analyzing Safety and Soundness
The Texas Ratio helps assess the health of a bank. It compares the amount of loan risk a bank has by the amount of reserves and capital a bank has at its disposal to cover those losses.
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Mortgage Points: What is the Difference Between Origination Points and Discount Points?
Knowing about the points that are a part of the mortgage loan process is essential so you can make an educated decision. Here is a brief discussion of the basic types of points and what they can mean for you.
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What are Some Advantages of an Adjustable Rate Mortgage?
Adjustable rate mortgages have gotten a bad reputation in recent years. But they really have some great benefits for the buyer.
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Financial Video

Hard Ways to Earn Money: Babysitting Nightmare - Find out the easier way to save and earn more.
Posted on February 17,2012
Municipal Bond Market Review - Feb 2010 (Part I)
Posted on December 16,2010

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