Friday, January 7, 2011

Mortgage and Loans - Mortgage Refinance, Home Loans

Mortgage and Loans - Mortgage Refinance, Home Loans

59% Increase In Health Insurance Costs!

Posted: 07 Jan 2011 06:11 AM PST

latimesblogs.latimes.com New TYT Network channels: www.youtube.com www.youtube.com New TYT Facebook Page(!): www.facebook.com Follow us on Twitter: twitter.com www.theyoungturks.com DISCOUNTS: www.theyoungturks.com FREE Movies(!): www.netflix.com Note: The above two links are for TYT sponsors. Read Ana’s blog and subscribe at: www.examiner.com TYT Network (new WTF?! channel): www.youtube.com Check Out TYT Interviews www.youtube.com Another one of California’s largest health insurers has stunned individual policyholders with news of huge rate increases — this time it’s Blue Shield of California seeking hikes of as much as 59% for tens of thousands of customers March 1. Blue Shield’s plan comes less than a year after Anthem Blue Cross tried and failed to raise rates as much as 39% for about 700000 California customers. San Francisco-based Blue Shield said the increases were the result of fast-rising healthcare costs and other expenses resulting from the new healthcare laws passed last year. “We raise rates only when absolutely necessary to pay the accelerating cost of medical care for our members,” the company told its customers last month. In all, the insurer said that 193000 policyholders would see increases averaging 30% to 35%, the result of three separate rate hikes since October that have been rolled into one for about 7000 members. Nearly one-quarter of the affected customers — 44000 — will see cumulative increases of more than 50% over five months. Blue Shield …

Home Equity Loans

Posted: 07 Jan 2011 06:11 AM PST

www.homeequityabc.com : A home equity loan means borrowing money from a bank against the equity that you currently have in your home. The equity is the value of your home minus the amount of the mortgage that you have.

If an employer offers insurance benefits to the employee, can they exclude dependents?

Posted: 06 Jan 2011 11:14 PM PST

Can they choose to only cover the employee? If so are they allowed to pick and choose whose dependents can be covered? Like one employee’s child is covered, but the other employees aren’t allowed to get insurance for their dependents, is that legal?

Clint Bonkowski Quicken Loans – How is Appraisal Value Calculated?

Posted: 06 Jan 2011 08:33 AM PST

Hello, my name is Clint Bonkowski from Quicken Loans. I’m the Divisional Vice President of Underwriting and today I want to talk real quick about one of the questions we get asked most often, and that is: How is my appraisal value calculated? A lot of people feel that their house should be worth what they paid for it or what improvements they’ve put into it. Really, the value of your home is determined by the market. Like all markets, values can go up and down, as we’ve seen in the most recent past. So, how do you figure out what your home is currently worth? What you want to do is look at your local market and how your local market is acting. So, look at comparables in your neighborhood. Look for homes that are similar in size, style and location. And what we mean by style is, make sure you’re comparing your home to other homes that are similar. Do you have a ranch? Then look for comparable ranches. Do you have a colonial? Then look for comparable colonials. Size- make sure you’re comparing your home to homes that are similar in size and square footage. A thousand square-foot ranch be compared to a thousand square-foot ranch. Lastly, location. Make sure in location, you’re looking at homes that have sold or are currently listed in your market that are no more than a mile away. If you check off on all three of these things, you can get a pretty good idea on what your home is currently worth and therefore, give you a good starting point on getting a new mortgage.

Posted by Blogku at 7:26 AM

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