Tips and how-tos

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Do you have enough equity to refinance? – bankrate.com

Appraisal of your home is crucial in determining whether or not you can refinance successfully.


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Home-Office Deductions – smsmallbiz.com

Here are rules for home office deductions.


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How to Prepare for a Tax Audit – smsmallbiz.com

AN 1145A TAX audit is an experience every businessperson hopes to avoid. If the IRS does pay your business a visit, however, understanding what an auditor might look for can make the difference between a minor inconvenience and a major hardship.


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10 often overlooked tax breaks – bankrate.com

Tax time is here, read this to see if you could benefit from these tax breaks.

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Balloon loan payments – bankrate.com

With a traditional mortgage, each monthly payment comprises principal plus interest. In the early years of the loan, most of the payment goes for interest. Gradually, more and more of the monthly payments go toward principal. At the end of the term, the loan is completely repaid. This process of paying principal and interest until the loan is paid off is called amortization.


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Rights of rescission – bankrate.com

Maybe you found better credit terms or you got cold feet. A provision of the Truth in Lending Act gives you the right to cancel certain real estate loans within three business days without penalty. It is called the right of rescission.


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PMI or Piggyback Loan? – realestate.yahoo.com

Homeowners who make a down payment of less than 20 percent are usually required to pay private mortgage insurance (PMI), because they are considered to be at higher risk of default. PMI premiums are typically around half a percent of the interest rate, which is about $83 a month on a $200,000 mortgage.


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What Can I Do Today To Make Me Rich In The Future? – thesimpledollar.com

In an ever-changing fast-paced world, most of us are accustomed to doing things now, and long-term financial planning is often difficult for us to wrap our arms around. We don’t want to think about being a millionaire in twenty years; we want to start down that road now with quick actions that we can use to quickly see rewards.


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Looking beyond rates – bankrate.com

The lowest interest rate shouldn't be the only factor to consider for the mortgage or loan package that you want to get.


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The Last Word on Kids and Cash – kiplinger.com

Teaching kids about money is very important and here is how you should do it.


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10 most and least expensive cars to insure – bankrate.com

"It's a common denominator among vehicles that have the highest losses -- a lot of smaller, sportier vehicles, says Russ Rader, spokesman for the Insurance Institute for Highway Safety.


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Foreclosure Vs. Short Sale – stpaulrealestateblog.com

In today's real estate market, you might need to understand what they are, and what are their differences.


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The Truth About Debt – daveramsey.com

Any why should everyone strive hard to get rid of it.