Thursday, October 28, 2010

Mortgage and Loans - Mortgage Refinance, Home Loans

Mortgage and Loans - Mortgage Refinance, Home Loans

How To Create A Budget

Posted: 28 Oct 2010 06:59 AM PDT

No one likes budgeting. It’s a lot of work for little reward. But the secret of budgeting and personal financial management is just to ensure that there’s just enough money left over each month to pay your bills and maybe have a little fun. Most people do not budget but it should be done to really help you get ahead. 

If you have made bad financial decisions over time – and it has happened to the best of us – you may have allowed your bills (or your loans) to get out of control. This could come back to haunt you if you require a loan for a car or a house or anything else you need to get a loan to buy.

Here’s what you need to make sure that you have control over your financial situation. Here are some valuable budgeting techniques to guide you in your expenses and income.

The first thing you want to do is make sure that you pay your expenses on time and in full every month. Never wait until it’s too late to pay them. The second thing you need to do is make sure that you don’t have an excessive number of credit cards. Only a few credit cards are necessary to get by in life. You should consider cutting up the rest of them. And the third thing you should do, if your bills have really got out of control, is to consolidate them into a single loan. This will allow you to pay them off over time without getting slammed with high interest rates.

Finally, draw up a budget for yourself. Creating a budget seems difficult which is why most people don’t do it. And because people don’t have a budget they find themselves in financial difficulty. 

An easy way to create a budget is to take a draw a line down the middle of a sheet of paper. On the left, write down your after tax household income. Be sure to write down the after tax amount as you want to include available income only. After all, you don’t get to spend the before tax amount, right?

In the right column, list an average of each monthly bill. You should also include your typical spending habits as well, such as eating out, or impulse shopping. Don’t forget to include paying off your credit card as part of the bills!

Now that you have a list of income and expenses, see if there’s a way to increase your income, or reduce your expenses. Usually you’ll find a way to do a little of both.

Creating a budget is easy, however few people do it. And yet, creating a budget and sticking to it often separates the successful people from everyone else. Go and create your budget now!

Learn About Reverse Mortgages From Jen Horvat at One Reverse Mortgage

Posted: 28 Oct 2010 12:00 AM PDT

Jen Horvat, Director of Marketing for One Reverse Mortgage, clears up the basics of a reverse mortgage along with some common misconceptions. Learn about One Reverse Mortgage and get the facts about getting a reverse mortgage. Hi, my name is Jen Horvat and I’m the Director of Marketing…

Key Factors In Getting A Home Loan

Posted: 27 Oct 2010 09:56 PM PDT

Buying a brand new home is an exciting ordeal to say the least. It very well may be one of the most important decisions of your lifetime.

Are you adequately prepared? Here is a directory of 6 considerations that will help you get your new house easier and faster.

Design A Plan

You must have good credit to qualify for a home loan. Look up your credit score in the beginningand work towards improving your credit score. Also start on adedicated savings account for the down payment and closing costs. And the additional furniture that you will inevitably want!

Stay With Your Current Employment

Most lenders want a stable work history. Even if you are ready for a career move it is wise to wait until you’re pre-approved before making any job changes.

Don’t Move Money Around

Your lender will want to make sure that your financial situation is in order. By leaving your moneyin its current accounts the whole process will be easier and go more smoothly.

Don’t Increase Your Debt

Don’t make any major, new purchases during this time like a new car or boat. You don’t want to over leverage yourself and put your new loan in jeopardy.

Become Pre-Approved

Find a mortgage broker or lender and get pre-qualified before you even begin shopping for your new house. Your real estate agent will have a reliable mortgage broker if you don’t already know one. Another important consideration is to know that, real estate agents mostly prefer working with pre-approved buyers as both they and you will know how much home you can afford. And the agent will know if the deal is likely to happen.

Know What You Want In Your Home

By getting pre-approved you will already know how much house you can afford. Your next step will be to create a list of everything you long for in your new home before you even begin the buying process. Consider how long you plan on living there. Do you have a growing family that your new home will need to accommodate? If you have children, what are the schools like? How long will your drive to work be?

Make a list of every element that you can imagine. Then make sure this list gets to your real estate agent.

When you discover a home that meets your qualifications make a reasonable offer. Your real estate agent can help you with this.

And because you are already pre-approved getting a finalized Tucson mortgage will be easy as pie. Follow these 6 tips and enjoy the process. And enjoy your new home and affordable mortgage payments as well as Tucson mortgage rates.

America’s Mega Mortgage Mess

Posted: 27 Oct 2010 09:47 PM PDT

Greenwich Financial Services CEO Bill Frey reacts to estimates that Fannie and Freddie’s debt could soar to 3 billion.

Fein, Bosch, Dremel: Multi-tools to multiply your Productivity.

Posted: 27 Oct 2010 08:48 PM PDT

 Repair, Restore, Remodel; This is How a Multi-Tool Will Increase Your Productivity  

Craftsmen working on restorations, repairs and renovations rely on a tool that offers always professional consequences. For all these applications, and many more – there exists one tool to champion over all others, the multi-tool. The multi-tool, as the name reflects, is a tool – one tool – that performs many tasks. Considering the needs of versatility and ply-ability a multi-tool is truly unbeatable. The design of most multipurpose tools, makes them ideal for tight space applications and close quarter work in corners and on floors. Utilizing oscillation technology, or a speedy, successive back and forth motion, a multi-tool cuts and sands , scrapes and grinds with unbeatable treatment and precision than any other tool out there. This oscillation , exemplifies and delivers optimal control, precision, and accuracy in all its applications.

 

In the Beginning Was Fein

Fein, the company that created the world’s first oscillating MultiMaster just over 41 years ago, there are several multipurpose tools available for your useon the market. In 1967 Fein perfected the first power tool to utilize this coveted oscillating or back and forth Mechanization. Starting out the Fein MultiMaster Start is a high performance tool designed for beginners working on simple home-repairs and fix-ups. The Start is the first link in Fein’s MultiMaser solution offering (behind the MultiMaster Select and MultiMaster Top), but at no sacrifice to quality, performance, or professionalism. The Start is a true-blue MultiMaster capable of all scraping, cutting, grinding, and sanding applications; and utilizes some of the most exceptional accessories for sawing, scraping, and so on. The Start’s lightweight and ergonomic design make it simple to use and control. With a powerful variable speed (up to 21,000 OPM) 250 watt motor – Fein’s Start is both strong and diverse. This superior versatility makes the Start a great tool for simple renovations like tile work, windows, cabinets, and flooring. Their multi-master includes: one sanding pad(hook and loop), plenty of sanding paper, a key and mounting bolts, a stopping knife for scraping linoleum and carpet, an E-Cut blade for flooring and base work (just a few among a million other uses for the blade)

 Fein’s Top and Select

The Select and Top offer a few additional features The Fein MultiMaster Select is a professional restoration and renovation solution created with Fein’s tool-free quickIN rapid clamping system which allows for simple keyless accessory changes but still offering the same powerful, variable speed motor. In addition the Select includes a carbide tipped saw blade and an HSS segmented saw blade. The essential carbide blade is for removing damaged tile joints and carving grooves in plaster, concrete, and other similar building materials. The segmented blade is flat and high-speed, created for hardwoods, carbon fiber, and other stubborn materials. The segmented shape of the blade allows it to cut right angles (ninety degrees) without over-cutting. Now, the Fein MultiMaster Top is created to help workmen professionally complete the most detailed jobs. It includes the same accessories as the Start and Select, and all the additional ones necessary to champion a wide range of applications. The Top includes a perforated sanding pad with 5 more of each grain (60, 80, 120, and 180, perforated), a profile sanding set, dust extraction device, plastic carrying case, and a triangular, perforated, carbide rasp for grinding filler, adhesive, concrete, stone, and wood. Fein’s MultiMasters are in general more expensive than their competitors, but, Fein also has the experience, technology, and longevity to provide an exceptional product .

 

 ï»¿ï»¿ï»¿Bosch Multi-X Multifunction

Fein lost their patent around a year-or-so ago , they have some tough competition. The new Bosch Multi-X multifunction tool powered with a professional, high-performance 12v motor. Oscillating from 5,000 – 20,000 OPM, Bosch’s variable speed dial is designed to offer an enormous range of options and speed adjustments needed for a handy man’s very multifaceted range of projects. For enhanced versatility and precision, Bosch’s Multi-X has several position pre-settings rotating in 30 degree increments, and a tool holder with a 240 degree angle adjustment for easier tool handling. Weighing in at only 2.12 lbs Bosch’s multi-tool offers a comfortable well planned design with a small perimeter, and soft grip. This comfortable design reduces operator fatigue and stress, and maximizes performance on the job. Bosch’s multitool also has a no-mar plastic nose to protect your work and materials while on the job. Bosch’s Multi-X is supported by Bosch’s Litheon battery science which offers lithium ion technology to achieve premium battery life and power. Litheon batteries are compact and lightweight providing maximum power in a more efficient package. Bosch has also incorporated a built-in fuel gauge for battery charge control. Capable of countless options, the Bosch Multi-X is ideal for seasoned work-men and carpenters, and practiced do-it-yourself-ers alike.

 

Other Bosch Options

The Multi-X is workable with a diverse range of premium performance Bosch accessories including: plunge cuts for both metal and wood, sanding pads, and grout removal and flush cut accessories. An etched depth gauge for accurate capacity measurements, and Bosch’s universal interface are also available. The interface makes the Multi-X compatible with accessories and attachments from other manufacturers. The Multi-X is available in two packages: the PS50-2A and PS50-2B. The Bosch  Multi-X PS50-2A includes: An HCS plunge blade, sanding plate set, sanding paper , two Litheon 12 v max batteries, an adapter, 30 minute charger, and carrying case. The  PS50-2B Multi-X includes everything from the previous package, with three additional HCS wood plunge cut blades and an HCS wood segment blade. Bosch’s Multi-X is versatile, durable, efficient, and backed by Bosch’s Provantage three year tool protection plan.

 

What Dremel Offers

 Dremel has also introduced a Multi-Max multifunction tool that gives the others a run for their money . the 1.5 Amp motor is powerful enough to zip through an 1-1/4in. oak door jamb, Dremel’s Multi-Max is truly tough. Ranging from 10,000 – 21,000 oscillations per minute(OPM)  this tool has a broad speed range for optimized control and versatility. Dremel Multi-Max tool also has an ergonomic and compact design to offer extra worker comfort and control, as well as optimum access into tight or confined locations. The Multi-Max has a separate on/off switch which maintains speed setting even after the tool is shut off, as well as electronic feedback to supply consistent speed throughout even the toughest applications. Bosch’s tool also offers a Quick Fit mechanism which allows for faster, easier use, and changes accessories up to twice as a fast as other tools. The Dremel Multi-Max kit includes: a sanding pad with three pieces of tough sanding paper for wood, metal, and chipboard – a flexible scraper for tough removal of caulk and adhesive – a 3in. wood and drywall half-round blade which is also ideal for plastics – a 3-1/4in. wood blade for wood, plastic, and drywall cutting – and a carrying case for convenience and portability. Also coming with Dremel’s two year limited warranty, the Dremel Multi-Max is compatible with a number of other grinding, cutting, and sanding accessories devising it one of the most versatile multi-tools available.

 

Yet Another, Rockwell

The newest front-runner in the race of the Oscillating Multi-Tools comes from Rockwell as the SoniCrafter, a high-frequency, high-performance multi-tool with seemingly endless abilities. If I may, I’d like to mention a few words about one of Rockwell’s most satisfying SoniCrafter kits, the RK5102K 72 piece professional.

 

Rockwell’s RK5102K

 This deluxe kit is fast becoming one of the most popular multi-tool options in the marketplace today. Offering more than comprehensive inclusions and the power and capacities to conquer nearly any, every, and all applications, this growing popularity comes at no surprise. The tool’s oscillating movement is the key to its incredible efficiency; this technology results in smooth, simple operation, and the versatility to perform in all situations with uncommon high-performance. The tool can cut, saw, scrape, sand, shape, polish, and remove grout with professional precision, and operation is friendly to every type of user. Whether you’re a beginning do-it-yourselfer, a homeowner, or the most seasoned craftsman the SoniCrafter is designed to be comfortable in the hands every user. Weighing only 2.8 lbs the tool’s slim body design ensures you always have a secure, comfortable grip, and the tool’s on/off switch sits right atop the tool for easy accessibility. Rockwell has also payed special attention to this tool’s interior components – an aluminum gear housing contributes to the overall strength and lightweight of the tool, and with a 2.3 Amp motor, the tool has the bite to back up its bark. The SoniCrafter additionally boasts variable speeds for the utmost versatility and accurate operation under and circumstances.

 

How does the insurance work when shipping jewelry?

Posted: 27 Oct 2010 02:47 PM PDT

I’m selling a diamond ring for my mom on ebay, and she says that it should be insured before it’s shipped to wherever. How does that work? How much would insurance be, and would we get that money back if it reaches its destination safely? The ring is worth almost 00.

Mortgage market and interest rate commentary for Wednesday June 10, 2009

Posted: 27 Oct 2010 10:16 AM PDT

Mortgage market and interest rate commentary from Bruce Brown, CMPS with Pulaski Bank Home Lending and radio host of Dollars and Homes on KCMO Talk Radio 710 in Kansas City.

Keiser Report №89: Markets! Finance! Scandal!

Posted: 27 Oct 2010 07:14 AM PDT

This time, Max Keiser and co-host, Stacy Herbert, ponder a Federal Reserve induced civil war as Ben Bernanke throws Granny down the stairs. In the second half of the show Max talks to James Howard Kunstler about post peak oil America.

Posted by Blogku at 7:04 AM

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