home mortgage rates
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Should I Refinance?
You should be going to a mortgage broker to refi not your financial advisor. We are waiting for rates to go lower and want to refi our home and hopefully ...
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- you should get the advice of a finance expert that is not positioned to gain a commission if you choose this option. it is hard to get an unbiased opinion from someo...
- Hi T., If you can afford the payments as you have them now, then don't refinance. Not only will you owe more than you do now on the principle but over time you will...
- I've been a Realtor for 40 years, and have seen all the scenarios you can name. One of the crucial things you need to think about before refinancing is "how long do y...
To Buy a New House or Not To???
Upside to consider: Buyers market and lower mortgage rates. If I were you:once the kids are out of diapers you might be able to do some work from home type ...
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- Are you a Savings Angel member? If not you will save HUGE. It is a website that has already began to change my live. (Local folks, originated in Holland, MI) I've only...
- Hey B., Go for it; I would do it. I am a firm believer of the family should sit together during dinner...
- I'd like to think there are more options than those two you listed, I would never put my self straped to a house, Maybe if there are some creative ways you could remod...
Don't Know Where to Turn??? Husband Doesn't See That We Have a Financial Problem
Aug 20, 2009 ... Read all 26 responses: "I have been a stay at home mom for a couple ... That being said, have you shopped around your home/auto insurance rates? .... your checking/cc/mortgage (we have quicken) and make sure everything ...
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- You should read Dave Ramsey's "Total Money Makeover". My husband is a full commission loan officer. We have always had enough money for all our bills until more rece...
- I know what you mean. Currently my husband is looking for a second job because frankly he makes more money than I ever would. I sew some of my kids clothes and go to t...
- Sounds like you are trying to do everything right! How about refinancing your mortgage? Consolidate any debt into one bill/low interest rate? Watch carefully on you...
Has Anyone Used Careone Credit Counseling???
I have tried getting the creditors to lower interest rates but that hasnt helped much. ... ago and now he doesn't have any debt whatsoever, not even a mortgage). ... with their credit (so they could repair their credit to buy a home. ...
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- Unfortunately, using a credit counseling company is almost as bad as bankruptcy. I have done some research and have found that there is really nothing you can do othe...
- I would like to invite you to Financial Peace University by Dave Ramsey. It is a 13 week course offered through our church, Sun Valley, and it had made a HUGE differe...
- My sister used Debt SHield, which a friend of hers also used. It worked out well, as if creditors started calling, she just called the person at DS & they had it stop....
Has Anyone Used FreedomDebt.com?
Ask them to lower the interest rates. If things are really tough, ask them to lower the ... Life is not fair, I was hit head on coming home from work/Hospital and an off-duty cop hit me. ... Our Mortgage will be paid off in 4 years. ...
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- The ONLY place you should work with is Consumer Credit Counseling. But even they can have issues. We dealt w/one years ago, and the person suggested we file bankrupt...
- I wonder if it is similar to nodebtandfree.com We used them to help us out and they are amazing. They advertised on 960AM. It is not debt consolidation or any sca...
- T., there are so few of these programs that are useful and legitimate. There's a reason they're called "CONsolidations". I'd do a whole lot of research before signin...
Holiday Boarding
Their rates are great. I love that it is a family business so when I call or email to make ... You can board two dogs in the same run at a discounted rate. ...
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- S., We LOVE Canine Country Inn (www.caninecountryinn.com). We live in Highland Village and use them at least 3-4 times a year. Their rates are great. I love that i...
- We ususally use Canine Courtyard as well. Our back up is Flower Mound Veterinary Hospital. It's off 1171 near Parker Square. The place isn't much to look at, but th...
- Hi S.- Texas Pet Bed and Breakfast in Argyle is great. We have used them for about 4 years. If you use them, be sure to check their website because they offer a pri...
Our Landlord Is in foreclosure..need Advice!
If you are interested in buying the home from the bank - I would get a ... I don 't know what the rates are in WA, but here in OR basically when I was a ..... the landlord would take your rent but not pay his mortgage and then not give ...
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- Hello TJ, stay calm, contact your state office, ask for then research the landlord tenant act in your state. there should be laws on the books that protect landlord...
- I am somewhat new to this state, but my advice it to check the renter's hotline to see legally what can be done. You have rights too. My guess it is an office in Sea...
- You can get free 1/2 hour legal advice from Washington lawyers. Contact the Wa State Bar to find one close to you. They will tell you your options. You can also go to ...
Income Taxes for Babysitting
If you babysit from your home you can write off part of your mortgage payment, ... you should raise your rates enough that you are turning a profit. ...
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- I haven't been in your exact situation but I was self employed for 3 years and had to fill out the schedule C. As a daycare provider in your home the biggest deductio...
- You can go here to figure up an amount to write off for food. http://familychildcaretaxes.com/tax_tips_article.php?blRecordNumber=82 You have to figure up all amoun...
- Some things you might be able to claim are percentage of utility bills, A/C and heat, electric, gas, water, carpet and upholstery cleaning, snow removal, lawn care se...
Help with Credit Card Debt
You could do the equity line but then you are putting your home on the ... doesn t come with a fixed interest rate so you could end up with payments you cant ...
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- Typically if you use a debt consolidation company they are able to lower the total amount you owe before you even make your first payment. Go to goodsenseministry.com ...
- Hi V. Last year I consolidated my $10,000 debt via a really awesome family credit union. Doing so lowered my total interest rate immensely, and my monthly payment...
- Good Morning V.... I wanted to let you know I just started a program with Family Life Resources.. They are a Christian non-profit agency that helps determine whats ...
Need to Know Approx Cost of Childcare in Area
I can say that in-home daycare will be less in cost then centers. ... Also, if you are looking for a house, my husband is a mortgage broker. ... hard time finding a provider that offered rates based on actual hours, and not a full week . ...
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- Hi C., I am a childcare provider. My rate is 175.00 weekly for infant to potty trained. 130.00 for toddler to Pre-k w/ Preschool lessons taught. I am also ...
- Hey, C., so your husband got the job! Great news. I'm afraid I can't help you with Christian-based childcare. Pretty much all of the ones I called were either full-...
- C.-- I'm a licensed daycare provider located in Prairie Village. When I first started out doing this, I based my rates on other providers I'd heard of. However, I dec...