Archive for January, 2013


Are Mortgage Rates Finally Going Up?

The rise and fall of mortgage interest rates is one of the most watched aspects of the housing industry. But although it may appear that the state of mortgage interest is only relevant to those wanting to finance (or refinance) a home, these rates are affected by a variety of factors, both domestic and global […]

Read More...
AMA

New "Subprime" Tactics Target Former Homeowners

Everything old is new again. The subprime mortgage, blamed for the rush of mortgage defaults and foreclosures that triggered the housing collapse of a few years ago, is back, targeting the same people who lost their homes in the first version and threatening a another round of defaults and foreclosures for vulnerable homeowners. The current […]

Read More...
AMA

Borrower Beware: Some Lenders Escape Scrutiny

The New Year has ushered in a spate of new regulations and changes to old ones acting the scandal- wracked mortgage industry. Designed to safeguard consumers from fraudulent and misleading practices, and lenders from another round of massive defaults, these rules, created and implemented both by consumer protection agencies and the government, target standard mortgage […]

Read More...

Renters Rule – or Do They?

A persistent prediction among housing industry trend watchers claims that the US is fast becoming a nation of renters, with younger generations becoming less and less interested in committing to the traditional ”American Dream” of a single family home. These individuals, variously described as millennial, generation X or Generation Y, are generally believed to make […]

Read More...

Retirement “Myths” – Uncomfortable Truths

p>It’s the start of a new year, and consumer finance sites are coming out with the usual lists of myths and mistakes people make about retirement planning. While these lists vary in length listing five, seven or even ten or more items, the theme is the same: people nearing retirement age – or even far […]

Read More...

Women Investors: Overcoming Obstacles

http://www.currencytradingg.com p>Once women couldn’t even own property. All assets were held by a husband or male relative.  All that’s changed in our modern Western society, but women still face higher rates of poverty in retirement and receive lower payouts from pensions and Social Security.  Women are missing out on opportunities to create income through investing, […]

Read More...

Rising Home Values: A New Bubble?

The housing industry’s recovery from the aftermath of the bubble that burst so loudly a few years ago has been slow and fitful, and industry watchers remain on the alert for signs that the rebound in housing demand and supply is here to stay. Among the many indicators of the housing market’s health, the rise […]

Read More...

The Alternative Minimum Tax: A Fix for 2013?

The venerable Alternative Minimum Tax, or AMT, was conceived to extract income taxes from those in the highest tax brackets, who evaded standard income taxes through a number of investing loopholes. But because the AMT was originally not indexed for inflation, eligibility incomes have crept downward to hit taxpayers in much lower income brackets. Although […]

Read More...

Foreclosures: Predicting Housing Market Health?

Yet another round of speculation about foreclosures is making real estate market news, as housing industry trend watchers seek explanations or the mixed map of foreclosures — the number of foreclosed properties hitting the market in some states has dropped significantly in the last year or so, while in others, rates have gone up. Foreclosures […]

Read More...

Mortgage Problems Continue to Affect the Housing Recovery

ventes aux encheres en ligne p>One indicator of the overall health of the economy is a robust housing market. While by many standards the US housing industry appears to be on a slow road to recovery, mortgage issues – some dating back to the great housing collapse of 2008 – continue to drag on the […]

Read More...

Your Credit Score is Your Financial Lifeline

Here’s the official word from the FTC: The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in […]

Read More...

Baby Boomers: Economic Boom or Bust?

It’s estimated that nationwide a thousand or more members of the post World War II baby boom turn 65 each year. And since the Baby Boom “generation” is typically calculated as 19 years – spanning the nearly two decades between 1946 and 1964 – financial experts and economists devote much time to analyzing the economic […]

Read More...

Foreclosures: A Ripple Effect?

usa auto insurance p>The repeated waves of housing foreclosures that followed the housing collapse of 2008 – and which are still trickling onto the market – have an economic impact far beyond the immediate consequences for the homeowners affected. From whole neighborhoods and the people who live in them, to the local and national economies, […]

Read More...

Defense Cuts: What Do They Mean for Investors?

A major concern in the recent wrangling over the budget deal dubbed the ”fiscal cliff” was cuts in the defense budget – cuts that would have affected not just military personnel, but thousands of civilian employees, contractors and the areas in which they live and work. Those cuts didn’t materialize as expected, although some may […]

Read More...

Do Mortgage Lenders Profit from Low Interest Rates?

Since the mortgage meltdown of a few years ago the mortgage industry has come under greater scrutiny, with settlements and promises to clean up fraudulent practices. But amid indications that major lenders have reformed and mortgage applications are picking up again due to low rates and continuing availability of cheap houses in some markets, the […]

Read More...

Mortgage Fraud: A New Face on an Old Problem

Mortgage fraud is one of the fastest growing financial crimes in the history of the United States. Although the robosigning scandal that followed the housing collapse of 2008-2011 was blatant enough to bring the illegal and abusive practices of major mortgage lenders into public awareness, new statistics show that fraudulent activity by the same practitioners […]

Read More...

It's Time to Choose Your Social Class

Opportunity within a great nation doesn’t disappear all at once but rather dwindles away slowly and then it’s gone. As the gap between the haves, have-a-littles, and have-nots becomes ever greater, it’s imperative for citizens to realize right now that the asset and investment choices made over the coming months use. Recommended grows of. Had […]

Read More...

Capital Gains: New Rates, Old Solutions

Among the tax changes accompanying the recent budget deal struck by both parties, increases in the capital gains tax structure have sent higher-bracket investors rushing to find solutions. While the new taxation rates apply to investments of all kinds, real estate investors in particular will take a bigger hit, thanks to the imposition of the […]

Read More...

The Medicare Tax: Not About Healthcare

A number of the new and amended tax laws that rang in the New Year as part of the last minute budget deal are tied to income, assessing new, or higher taxes on income and holdings of those whose earnings exceed a certain threshold. Although in general the new code has been kind to property […]

Read More...

The New Deal: More Income, More Taxes

As expected, the last minute budget deal that rang in New Year 2013 avoided the dreaded fiscal cliff and its anticipated shortfall for defense and a number of other government sponsored programs. But the outcome raised taxes for the majority if Americans and created the $400,000 divide – the income line separating the very wealthy […]

Read More...