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| Articles by Rich Bird |
561. Personal Loans 101
June 21, 2010
A personal loan is money you borrow from a lender for your own private use. The lending institution can be a bank, investment broker, or private lending company. You can apply for such a loan in your home town or on the internet. Personal loans can be used for a variety of needs including a vacation...
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562. Don't Seek Higher Education When Trying to Build Wealth! Here's Why
June 21, 2010
One of the most important determinants of building wealth during your educational life would have been a solid course in the history of education. Why? Because a solid understanding of the roots of institutional education would enable you to realize that most education puts you in debt at the same t...
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563. The Matrix of The Middle Class
June 21, 2010
Chapter 1
Jack and Jill sat at the kitchen table and looked into each others eyes and thought about what had just happened. They sat there and waited for their daughter. You see, Jack and Jill were just your average couple. Even though they would never achieve the finer things in life and ev...
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564. Credit Cards: A 70 Year-Old Blessing and Curse
June 21, 2010
Credit - and by association the credit card - has become a cornerstone of the American way of life. Each American household is estimated to have among them at least 10 credit cards, not counting charge cards or house cards, and carries an average of $13,000 in credit card debt. This is however not a...
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565. Choose the Right Loan Program For You By Paying Attention to The Broad Spectrum!
June 21, 2010
If you were to rate every possible loan program on a scale from the most conservative to the least conservative, you'd have the 30-year and 40-year fixed amortizing loans on the conservative end and the negative amortization variable-rate loans on the opposite side. Those are the two extremes.
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566. Make Your Way Through The Jargon - Signing Loan Documents With Ease
June 21, 2010
Signing loan documents can be intimidating even for the most seasoned real estate professional. But things are even worse today because most Title Companies offer their clients the convenience of having a mobile notary bring the loan documents to their homes to get signed. That means the Escrow Offi...
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567. The Pros and Cons of Interest-Only
June 21, 2010
Interest only mortgages are a relatively new phenomenon in the re-financing industry as well as the home buying industry. While the appeal of an interest only mortgage is typically a greater monthly cash flow, this increased cash flow can come with a hefty price tag. In exchange for more cash flow e...
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568. Home Equity Lines of Credit
June 21, 2010
Some homeowners might consider re-financing with a home equity line of credit as opposed to a traditional loan. There are definite advantages and disadvantages to these types of situations. The key to understanding whether or not re-financing with a home equity line of credit is worthwhile involves ...
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569. When It Comes to Prepayment Penalties and Indexes, Discuss the Details Now!
June 21, 2010
This article deals with some rarely discussed mortgage details that can have a major financial impact if you're not careful. For starters, there's Prepayment Penalties. These penalties can cost you a bundle and they're often overlooked during the origination of the loan as well as the signing. Many ...
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570. How to Handle Points and Closing Costs
June 21, 2010
Should you pay points? What are points? Is that money going directly into the Loan Officer's pocket? Well, that depends. This article will look at these questions as well as a few others to see which strategy makes the most sense in the long run. We'll also look at the math to calculate when points ...
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Author: Rich Bird
