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Why You Should Ask ‘The Bank of Mom and Dad’ to Help With Down Payment
Sep 23

Why You Should Ask ‘The Bank of Mom and Dad’ to Help With Down Payment

You never thought it would reach this point, but it’s finally time to sit down your parents and have that awkward conversation. No, not the one about the money you might inherit some day, but rather the “help with down payment conversation” to assist you in purchasing your first house. And if you’re already in

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Discount Mortgage Rates Can Help Struggling Borrowers
Sep 22

Discount Mortgage Rates Can Help Struggling Borrowers

Discount mortgage rates could become reality for thousands of underserved borrowers after the announcement this week that both Citigroup and Bank of America Corp. will provide mortgages at considerable savings to assist borrowers with low incomes or tainted credit histories. The announced discounts are larger than what the two banks offer on fixed-rate mortgages to

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Ways to Strengthen Your Long-Term Savings Plan

Ways to Strengthen Your Long-Term Savings Plan

With the clamor for consumption in popular culture — the constant call to spend, spend, spend — it’s important to realize that your future may depend entirely on your ability to save, save, save. In order to save, there’s a subtle psychology involved, and that is to rethink your spending habits with a long-term mindset.

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5 First-Time Home Buyer Tips Worth Taking Advantage of
Sep 20

5 First-Time Home Buyer Tips Worth Taking Advantage of

If you’re a twentysomething or a thirtysomething, or a maybe a recent college grad or newlywed, you’ve no doubt wondered how you cross over to become a first-time home buyer. It can sometimes be a perilous voyage, especially given how housing prices have largely rebounded to their pre-crash real estate highs, but you can do it. There

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5 Smart Budgeting Tips to Make Your Financial Life Easier
Sep 19

5 Smart Budgeting Tips to Make Your Financial Life Easier

We all know that sticking to a budget is the best and easiest way to manage your personal financial affairs. But as someone, probably a wise accountant, once said: “The devil is in the details.” Which are the absolutely essential elements that will make that budget foolproof? How can you predict, or at least be prepared

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What to Do When Rates Rise and Where You Should Invest
Sep 18

What to Do When Rates Rise and Where You Should Invest

What to do when rates rise? Even in our years’-running, low-rate environment, it’s a fair question to ask because the Federal Reserve has raised interest rates 67 times since 1980 — so it’s only a matter of time before it does again. It’s an important question to ask whether you’re saving for a down payment

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Foolproof Methods for Building an Emergency Fund on Any Income

Foolproof Methods for Building an Emergency Fund on Any Income

An emergency fund is cash that you’ve saved for one purpose: to help you cope with the unpredictable emergencies that life hands you without disrupting the everyday routine. It could be for an accident or a health issue. With your fund you have room to breathe. You don’t have to panic if you have to visit

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10 Smart Saving Tips for Young Adults
Sep 17

10 Smart Saving Tips for Young Adults

Saving money is important at any age, but the way that you should save differs greatly from one decade to another. That’s because changes in your income and new expenses affect your ability to save and might even change your motivation to do so. With each change in your lifestyle comes new financial needs —

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How Low Jumbo Loan Rates Can Help You Get the House You Want

How Low Jumbo Loan Rates Can Help You Get the House You Want

If you happen to be in the market for a large loan to either buy a house or refinance your current one, you have surely been watching jumbo loan rates with keen interest. And what you’ve no doubt seen has been shocking. Jumbo loan rates (for loans exceeding  $417,000 or $625,500 in higher-priced areas) are

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Money-Saving Tips for New Parents to Cut Costs on 3 Major Expenses

Money-Saving Tips for New Parents to Cut Costs on 3 Major Expenses

Buying baby equipment, purchasing outfits, changing diapers — these are all things tasks that new parents have to face. Bringing a baby into the world is one of life’s greatest gifts, and it can be extremely rewarding. Everyone knows, of course, that raising a kid isn’t easy — and it’s certainly not cheap. The average

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