Wealth Building Articles
271: Home Refinancing Loans - 3 Things To Know Before You Refi Your House
Maybe the current interest rate on your mortgage is higher than average, or perhaps you're just looking for a way to lower monthly payments. Whatever your reason for refinancing your Home Loan, there are a few things you should know before you commit to a refinancing mortgage:
You Should Compare Fees.
Like any other mortgage, you'll have to pay fees, closing costs, and possibly points and other extras whenever you refinance your Home Loan. In many cases, this can add th...
272: Smart Refinancing - 3 Things To Know
Having the lowest interest rate and monthly payment possible are what every homeowner wants. Refinancing your home could be your ticket to more cash in your pocket. Here are three ways to refinance the smart way:
Start With Your Current Mortgage Company.
When you work through your current mortgage holder the process is often ten times smoother. You have less hassle because all of your documentation paperwork is on file and you are informed on the company policies and pr...
273: Mortgage Refinancing Dangers
Mortgage refinancing can be a great decision for some people, but it can have a dark side if consumers don?t look before they leap. It?s a great idea for homeowners looking to lower interest rates, especially for people who took on adjustable rate mortgages during the ridiculously low rates a few years ago. Their once-low rates are climbing, and it?s time to lock in something steadier.
Using a refinance to roll all debt into one loan may seem like a fantastic way to stream...
274: Choosing The Right Business Credit Card
No matter the size of a company, to apply for and use a business credit card is a smart financial decision. Not only does using a credit card allow you additional time to pay those daily expenses, it helps keep track of your cash flow with detailed monthly statements.
With a small business credit card, you are building your company's credit history separate from your own. The advantage of having a business credit card over charging expenses on your personal account is it k...
275: What Are Sri Funds?
1. SRI
Socially Responsible Investing is what SRI is an acronym for.Of course, Socially Responsible means different things to different people and to different funds and index managers as well.
Try to make sure that you are involved in SRIs that are right for you.
2. SRI Funds
What SRIs include can vary. Some funds will exclude any stock whose company might be involved in animal testing. Some funds put more emphasis on how a company treats its employees. This proc...
276: What Is A Stock Index?
In the fast paced ever- changing world of todays stock market you need a quick way to analyze and graph the movement from day to day, month to month or year to year. Stock indexes such as the Dow Jones Industrial Average and Standard and Poors 500 give you a tool to do just that.
But what exactly is a stock market index? A stock market index is a listing of a group of stocks, and a number to go with them. The number that goes with them is used to track trends in the market...
277: Understanding Penny Stocks
As the name suggests, penny stocks are stocks that are extremely cheap - usually priced less than $5 a share. These are most commonly all from small companies. These stocks are traded on the Over-The-Counter-Bulletin-Board (OTCBB) and the Pink Sheets. Both these trading venues do not have the same kind of minimum requirements of exchanges such as Nasdaq or the NYSE set by the Securities and Exchange Commission. Companies that issue penny stocks may be new businesses or close ...
278: Cash Flow Questions - Improving Your Business Cash Flow?
* How much of my profit should I put back into my business?
Basically, the profit that you get from your business is considered to be your savings and may be used to fund other things such as loans and mortgages. However, in cases where you plan to expand your business, you can utilize the profit that you have earned.
As to how much profit you will allot to your business, it will depend on the expansion you have planned. Things such as additional equipment (particularly...
279: How To Buy Term Line Insurance Online
Once upon a time, the only way to get a quality term life insurance policy was to sit down with an agent, go through all your options and decide on a policy. From that point forward, your agent would come by every month to pick up your premium or you would mail it in to your provider.
Thanks to the advent of Internet, the process of setting up an insurance policy is very different than it was for your grandparents, or even your parents. These days, you can evaluate, choose...
280: What Is A Life Insurance Settlement?
As time goes on, our life circumstances change and we find ourselves needing to re-evaluate various aspects of our lives, including our financial arrangements. When it comes to taking a long hard look at our insurance coverage, we may find that a life insurance settlement is a viable option.
In brief, a life insurance settlement is a situation in which the owner of a policy determines that it is his or her best interests to sell their policy to a third party. The third par...
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