Refinancing - Points To Remember
You would consider refinancing only when going gets tough and making ends meet becomes difficult with credits looming over large on you; and you are in a debt trap with creditors calling on you day-in and day-out. Refinancing is your option if it helps reduce your net monthly outgo. Weigh the pros and cons of the option and keeping in mind, the hard facts of life.
Some Key Points to Ponder
1. Reducing your monthly installments. Multiple credits and mortgages bog you down with accumulated interests. A reasonable refinancing reduces the monthly outgo and the number of checks to write for a similar period.
2. Breakeven time. Although it depends on multitude of factors, sooner the breakeven the better.
3. "Points" to ponder. Points are onetime percentage costs included into your mortgage. Higher the point lower will be the interest rate. Make a judgment depending on your situation.
4. Risk reduction by paying off high cost flexible interest refinance.
5. Weigh the option of high closing cost with lower interest rate against no/low closing cost with high interest over the same or lesser period.
6. Consider refinancing if you can generate some extra income through refinancing. The comforts of additional resources cushion your efforts to see off debts quicker than you imagined. If not, it is going to take you from bad to worse.
7. You can refinance that portion of the debt which was shared by your spouse before divorcing.
8. Secured refinance gets you lowest interest. You can use your home equity to secure refinancing.
9. Tax matters. Taxation differs when you switchover from one credit to another or when you refinance an existing loan. Consulting an expert must be your top priority.
10. Paper work. None of the above points hold well, unless you got all your requisite papers in place.
Don't haste through the steps. Keep in mind this is your last straw. Check the credentials of the lender before you sign on the dotted line. It takes a very hard effort to keep away from scrupulous operators. Speak to their customers to get an insight. Understand their processes before committing yourself. Better still, take notes and compare with other lender's credentials. With due diligence, and keeping the key points in mind, re-financing, is afterall not a big eye-monster that is hard to tame. Once that re-financing monster is tame, your financial status should recover in no time.
Top Financial Mistakes Made by College Students
1. Blowing your school loan money!
Instead of using your financial aid for books, tuition, room & board, many students will choose to finance their extravagant lifestyle of partying, clothes, gadgets, and eating out. These school loans you've worked so hard to get should be paying for your education, not you social life...so use the money wisely. You'll be paying them off for many years to come.
2. Credit Card Debt!
Even responsible adults can rack up some hefty credit card debt, but students, who have no viable income besides their school loan money, and what cash mom & dad give them, have no business getting multiple credit cards. This is a recipe for credit disaster, because now students will not only have their school loans to repay when they graduate, but large credit card balances. Nellie May, the largest student loan maker, says that most graduate students have an average of $5800 in credit card debt.
3. Not Paying Your Bills on Time!
Racking up huge credit debt and not paying your bills on time is a good way to ensure that you can't purchase a car, rent an apartment or even get a cell phone after you graduate. Keep the credit cards to a minimum, and pay your bills on time to keep your good credit rating. You'll thank yourself in a few years.
4. Bad Budgeting!
Being a college student generally means living on a fixed income. Weather it be your financial aid money or money from a part-time job, or even money from Mom & Dad, the cash is usually limited and setting up a budget is important. A monthly budget doesn't mean you can't do the things you want to do, but simply a plan so you know the "must-pays" actually get paid. Figure out exactly what bills and expenses you have every month and plan for those first. Any money after that you can budget for social / recreational items like CD's and kegs.
5. Going to a College that's too Pricey!
Instead of going to your local community college for your pre-req classes and spending $25 a unit, many students feel they have to go to the 4 year university straight out of high school. Many end up returning home and going to a C.C. anyway, but attending a local school first is a good way to save money, and get those required classes out of the way cheap. After you've completed these courses, transfer to a 4 year school to complete your undergraduate degree. This will save thousands upon thousands of dollars that you would have racked up on student loans, and been paying off well into your 30's.
So many of the bad financial decisions students make is a result of poor financial education. Students haven't been taught by their parents or high school teachers the importance of maintaining a good credit score, paying bills on time, and budgeting income. Wise spending during the college years will ensure that the money you make after graduating will be spent on things you want, not credit card payments, collection companies and school loans.
Saving Money Is The Slow Path To Financial Freedom
Getting a job and not spending all the money each month is the slowest, hardest, and least efficient way to build up a big pile of money. Saving money is a worthwhile net worth building activity, but it doesn't offer much more than that unless your goal is only to have a little cash at the ever-increasing age of retirement.
This is because wages are the most heavily taxed source of income. Income taxes (federal, state, and social security) choke off about 35% of this earned income before you ever see a dime. And second, your income is capped by the number of hours that you can physically work in a week; even if it pays well. Ownership is the financial goal that we all have; owning investments that will passively pay us interest and dividend checks. But there are two wildly different paths to get there. One path is very slow and slightly uncertain, and the other path is much quicker but more uncertain to accomplish.
The fastest and most efficient way to build a pile of money is through entrepreneurial activity. This way, you can get into a position of ownership without buying it, because you are creating it. You bypass the taxation tollbooth of wage-earners, and the limitations of your salary and time. The goal is to create your own piece of equity that gives you a source of income that you control. Now before you start rolling your eyes that this is too risky, too hard or you don't know how to do it, let me give you some ideas to help reduce your hesitation.
Maybe it isn't your money (borrowed), or your expertise (a partner's), or skill (hired, outsourced); but if you lead the team you can create your own piece of the equity. You can start out on a tiny scale; I am acquainted with someone that earns over $100,000 with a dog walking service. She has other people walk the dogs, so that she can focus on marketing and managing her walkers. Don't you think that you could think of a dozen similar services that might be needed in your area?
It is mentally challenging to start an entrepreneurial activity, but more importantly, it takes money, knowledge and persistence. It takes knowledge because there is always going to be trial and error in refining your business model; and it takes money because you need enough money to find a successful business formula that pays for itself before you run out of money. It takes persistence because obstacles are natural when creating or maintaining any business activity.
There are zillions of areas to become entrepreneurial and build up equity, but here is another idea that nearly all communities offer; I bet that there are at least three successful residential home rehabbers working your community. Find them and convince one of them to help teach you in exchange for being a free assistant. And when you strike out on your own and need additional help, offer to give him or her a percentage of your profit.
I want to show you an example of entrepreneurial persistence, even though it uses real estate again. There is a giant mall being built at a nearby city. I was dropping off a friend that lived there and he said that it was a great story about obstacles. The city didn't want a new mall to take business from the downtown strip, so the developer moved the project outside of the city limits. Then the state government said they couldn't allow it without a larger highway exit, and they didn't have enough money to make a highway exit. So the developer raised the money and built the highway exit himself. The point is that no matter how insurmountable an issue first appeared, the developer was undeterred from reaching his goal.
Developing a side business to ramp up your income is the most financial rewarding activity you can undertake. Imagine if you took half the effort you put into studying for school and put that into business building over four years - I'd suspect your results would be far greater than setting aside some of your paycheck each month.
Is Re-Financing Always Worthwhile Anyway?
This is a very important question which all homeowners should ask themselves both at the start and towards the end of the process of re-financing. The answer to this question can spur the homeowner to investigate re-financing further or convince the homeowner to table the thoughts of re-financing for the moment and concentrate on other aspect of owning a home.
Establish Financial Goals
This should be the first step in the process of determining whether or not re-financing is worthwhile. Without this step, a homeowner cannot accurate answer the question of the worth of re-financing because the homeowner may not fully understand his own financial goals. While financial goals may run the gamut from one extreme to another the most basic question to ask is whether the more significant goal is long term savings or increased monthly cash flow. This is important because re-financing can usually achieve these two goals.
Do You Want to Save Money in the Long Run?
Homeowners who establish a goal of saving money in the long run should consider re-financing options such as lower interest rates or shorter loan terms. Both of these options can considerably lower the amount of interest the homeowner is paying on the loan. This is significant because paying less interest will result in a greater cost savings.
Consider an example where a homeowner has an existing debt of $100,000, an interest rate of 6.25% and a loan term of 30 years. Just by reducing the loan term to 15 years the homeowner can significantly decrease the amount which is paid in interest during the course of the loan. However, this option will also result in an increase in the monthly payments made by the homeowner. Therefore this type of re-financing option may only be available to those who have enough cash flow to compensate for the increase in monthly payments.
Do You Want to Increase Your Monthly Cash Flow?
Some homeowners may have a chosen goal of increasing their monthly cash flow. For these homeowners the overall cost savings may not be as important as having more money available to them each month. These homeowners might consider a re-financing option in which they are able to extend their loan terms. This means they will be repaying the existing debt over a longer period of time. The homeowner will pay more in interest in the long run but will achieve their goal of lower monthly payments and an increased cash flow.
How Will Re-Financing Affect Tax Deductions?
This is another serious consideration for homeowners who are interested in investigating the possibility of re-financing. The interest paid on a home loan is often tax deductible. A homeowner who re-finances in a manner which results in less interest being paid annually may adversely affect their tax strategy. The implications of this type of chance can be amplified for homeowners who were previously just below a significant tax break line. A significant decrease in the amount of interest paid will mean a significant decrease in the deduction the homeowner is allowed to take. This reduced deduction can put the homeowner in an entirely different tax bracket and could end up costing the homeowner money in the long run. For this reason, homeowners who are considering re-financing should have a tax preparation professional determine the ramifications re-financing will have on their tax return before a decision is made.
The Importance Of A Financial Advisor
When it comes to managing your finances, you can certainly do it yourself. If you don't feel comfortable doing that, you can use the services of a financial analyst or a financial advisor. Choosing one is easy once you know what they can do for you.
A financial analyst and a personal financial advisor help to provide both an analysis and also guidance to businesses and individuals who seek help with their financial decisions. Each type of financial specialist gathers financial information, analyzes it, and makes a recommendation to his/her client. However, they do differ when it comes to the type of investment information that they can provide, and also the clients that they work for.
A financial analyst assesses the economic performance of companies and industries, as well and for firms and institutions that have money to invest. A personal financial advisor assesses the financial needs of people, able to offer them a wide range of options.
Also called securities analysts and investment analysts, a financial analyst works for banks, insurance companies, mutual and pension funds, securities firms, and also other businesses. He or she helps these companies and/or their clients make important investment decisions. A financial analyst read a company's financial statements and also analyzes commodity prices, sales, costs, expenses, and also tax rates in order to determine the company's value, as well as to project its future earnings.
The financial analyst meets with company officials in order to gain a better insight into the firm's prospects and also to determine its managerial effectiveness. They also usually study an entire industry, assessing its current trends in business practices, products, and industry competition in order to keep abreast of new regulations and policies that may affect the industry. Monitoring the economy to determine its effect on earnings is also a duty.
A personal financial advisor, also known as a financial planner or a financial consultant, uses his/her knowledge of investments, tax laws, and also insurance in order to recommend financial options to individuals that fit with the client's short-term and long-term goals. Financial planners deal with such issues as retirement and estate planning, funding for college, and also general investment options. Some financial advisors are able to advice on a wide array of topics, while others are specialized in certain areas.
Working with a financial advisor begins with a consultation, where he/she is able to obtain information on the client's finances and financial goals A comprehensive financial plan is then developed that identifies problem areas, offers recommendations for improvement, and also selects appropriate investments that are compatible with what the client wants.
Clients usually meet with their financial advisor at least once a year to update them on potential investments, as well as determine if any changes have been made.
In addition, some advisors buy and sell financial products, including mutual funds or insurance, or are able to refer their clients to establishments who do.
Perhaps a financial advisor's most important job is building a customer base, since referrals from satisfied clients help to generate new business. Other than being contacted by the client, financial advisors contact potential clients by offering seminars or lectures, or even meeting them through business and social contact.
Financial Balance: Reducing Unnecessary Spending
If Americans were polled about their personal concerns, at the top of the list would be finances. Finances are important in our lives, from the national budget to the family budget, and when our finances are unbalanced, it can lead to serious trouble. Not only are bad finances linked to a significant number of failed marriages, but our personal financial history becomes public record when we apply for a job or credit.
Living month-to-month or buried in debt is hard, but many people don't have to live that way. Simply reducing unnecessary spending will help to balance the budget at home and free up money for paying off debts.
Implement one or more of the following helpful suggestions to aid in balancing the home budget, and breath a little easier.
Limit eating out
If you're like most Americans, you eat out at restaurants, fast-food or not, far too often. Setting a limit to the number of days or times we eat out per week will not only help our waistlines, but our wallets as well. The cost of one restaurant meal can feed an entire family of four for dinner at home, and simply eliminating that cup of coffee and donut in the morning can save up to $1,300 per year! Spend less than half that amount by making coffee at home and popping a bagel in the toaster.
Take stock of your utilities
Utilities are impractical to eliminate, but their cost can be greatly reduced. Many gas and electric companies provide discounts for upgraded appliances, or percentages off bills that show a decrease in power usage. Also, eliminate any unnecessary phone services, such as Caller ID or Call Waiting. Remember to check the monthly water bill for signs of a leak, which can cause a huge financial impact. Overall, review charges and statements each month to avoid paying for unused or undesired services.
Get a new quote
Many people go year to year not realizing they can make a change on their homeowner's or vehicle insurance. Getting a new quote can be as easy as spending a few moments on the internet providing some key information. The savings can be drastic, especially if multiple insurance policies are purchased from the same company. As with the utilities, coverage should be reviewed periodically for changes that can be made.
Reduce unnecessary travel
Most people have multiple errands to run each week. Running all errands in one weekly trip will save gas money, as well as costly wear-and-tear on the vehicle. Also, limit vacations and out-of-town travel to the most necessary of events, such as weddings and funerals. Forgoing unnecessary travel will tremendously help the budget.
Give up a little entertainment
Eliminating a few channels on the cable or satellite television service can save substantial money each month. Are the movie channels really necessary, and are they watched that often? Magazine and other entertainment subscriptions should also be looked at as a possible area in which to save money. Do you really need 14 magazines every month? Anything that isn't used or read should be eliminated.
Keep a budget and stick to it
Finally, the most important aspect of balancing a budget is to know what the budget calls for. Make a list of all necessary items and their cost each month, and on that same paper write down the expected monthly income. Remember to budget a little extra for emergencies or savings. Cut down wherever possible to keep expenses below earnings. As the amount of money left over increases, more money to pay off debts or enjoy a splurge here and there becomes available. Remember to make a new list each month, crossing off bills as they are paid, in order to avoid late fees - which will only add to next month's bills.
Merit-Based Financial Aid - a real merit to students
Merit-based financial aid is one of the main financial aid packages awarded based on their merit or merit plus of students. Merit-based financial aids usually come from state or federal sources or private sources. These types of financial aid packages are intended to assists students to help their college expenses. Merit-based financial aid need not have to be repaid. The rules and regulations of financial aid packages are based on the federal financial aid rules.
Merit-based financial aids can be obtained based on your performance or talents in a variety of areas such as academic achievement, extracurricular involvement, athletic, leadership, volunteer work, or artistic talent (art, music, or theater). You can also obtain merit-based financial aid if you have any other personal qualities which distinguish you in the applicant pool.
Merit-based financial aid will not consider you or your family's financial situation. Though most scholarships are a combination of financial need and merit, but still there are several scholarships which are purely based on merit. Recipients of these scholarships are selected without regard to income information. The amount of scholarship varies according to the state you reside and also in which scheme you are awarded by a scholarship.
Now let us check how to search for a merit-based financial aid. First of all you have to contact your State Department of Higher Education. Almost every state will have a scholarship program for its residents. But remember that these scholarship programs will mostly be limited to its students who join the college. That is, for example the scholarship program offered by the State of Alabama will be provided for qualified students of Alabama who decide to attend in Alabama state colleges and universities. Also, the student applying for a merit-based financial aid package need to be enrolled, or accepted for enrollment, or must be attending at least half-time in an approved postsecondary educational institution.
Also don't forget to research institutional scholarships. Check the various types of scholarship programs offered by the colleges. You can check the college websites, catalogs, and financial aid offices to know the details of institutional scholarships offered by them. Institutional awards are usually offered within a particular college or on a university-wide basis. Hence check what types of institutional scholarships are offered by your college or the college you are going to join. After checking a list of scholarships that interest you, apply for the one with relevant documents which support your achievements.
To receive merit-based financial aids you need to fill up the Free Application for Federal Student Aid (FAFSA), no matter how many colleges you are considering. The FAFSA features a section for students to record the colleges to which you need your information to be sent. Remember to check with each college to verify if there are any additional forms required.
The ABCs Of Refinancing
Since the advent of information technology, more and more people are enticed to engage in some activities that will make their lives easier and better. This is especially true whenever people get into trouble such as debts.
What they know is that they should find some ways on how to alleviate their problems, even if it means changing from one aspect to another with the risk of getting into another trouble.
Take for example the concept of refinancing. Some people instantly opt for refinancing thinking that this is the best way to eliminate those debts. What they do not know is that refinancing could be a better alternative. However, in reality, changes may take place if the process is employed with the wrong directions.
Refinancing, basically, refers to the way people are given the chance to request for a "secured loan" with the purpose of paying off the existing primary loan.
The main reason why many people are opting to refinance their debts is base on the fact that these people can no longer afford to pay more interests. They want to lessen, if not eliminate, the amount of interest charges.
In most cases, the most widely known kinds of refinancing are those that involve home mortgages. This is because home mortgages are usually the ones that are hard to pay off. Hence, what happens is that they continue to accumulate debts because of the growing interest charges.
So for those who have some problems on their debts and wish to reduce or eradicate interest charges, it is best to use refinancing. But you should be aware of the pitfalls behind it so as to avoid further trouble.
Here is a list of some tips that will help you construct good refinancing plans.
1. Be wary of the money involve
There are instances wherein the people are not fully aware of the amount and the classification of finances involved in refinancing.
It is extremely important to take note of this because if not, the refinancing of some amount is limited to what they can afford.
2. Do your homework
There are no better ways in learning than to learn through experience. Hence, in order to foretell the future, it would be best to conduct some researches or information regarding the interest rates to be given by the company to the people.
3. Compare charges
Before deciding on a particular refinancing scheme, it is best to analyze the situation first. And the best way to do this is to shop around and compare their features and offers.
The point here is that through comparison, the consumer can tell the edge of refinancing plan over the other.
4. Clear things out before walking out of the room.
If there is one thing that is not clear to you, try not to dismiss the fact by asking questions instantly. This is the primary step in breaking the ice and solving the problems.
5. Require pertinent documents
These documents are generally used to provide enough proof for the mortgage maker whenever they are trying to close a deal with a client. These documents are your key to success, without it, you can never access any endeavors for that matter.
The best thing about having these is that people may have the chance to live a life out of debts. As long as the proper measures are made, refinancing may be a good solution to life'sfinancial problems.
Basic Financial Information Tips (Part II)
Scams & bad deals. Identity theft is the #1 scam. Keep your account #s, and Social Security # out of the hands of those who don't need to know them. Don't pay up-front fees in hopes of obtaining a loan or a credit card. An exception to this rule is a home loan, which usually involves appraisal and credit report fees - paid in advance. Popular loan scams ask people to send a fee for a promised loan or credit card even if their credit rating is bad. Watch out for someone who pays you too much with a phony "certified check" and asks you to wire them the difference. If you do, you lose. Don't sign untrue statements! Beware of companies who loan to people with bad credit.
Credit cards. If used well, great tools, if used poorly, financial ruin! If you're too impulsive, hide your card! To avoid paying interest and fees, pay off your entire balance each month (on early or time). Most charge no interest if the balance is paid off within the billing cycle. If you pay only the minimum required payment, like one in four Americans, you lose.
Unauthorized use of credit cards. If a charge - which you did not authorize - appears on your credit card statement, contact the credit card company immediately. Follow-up your dispute in writing within 60 days to ensure your rights.
Disputed items. If you are dissatisfied with a product or service you charged with your credit card, first make a "good faith" attempt to resolve the dispute with the merchant. If you are unable to resolve it, contact your credit card provider and file an official dispute. Do this within 60 days of the charge to preserve your rights and avoid negative credit, etc.
Debit cards. If you, or someone else, uses your debit card, money is deducted from your checking account. For pre-authorized purchases (e.g. gasoline or motels) a "hold" is placed on your checking account, usually for an amount larger than the expected charge. This hold can cause other checks or charges to be returned - if you don't have a sufficient cushion of funds in your account, or a backup system (e.g. overdraft line of credit loan). Once funds are deducted from your account, it is often difficult or impossible to get your money refunded. Don't use a debit card for mail order, telephone, or internet purchases. Even if you don't get what you ordered, you may not be able to get your money back.
Reconcile your checking account. The sooner you do it, the easier it is. As soon as you receive your bank statement, compare it with your check register - item by item. Make sure both you and the bank have recorded things correctly. If you find that the bank has made errors, or the statement includes unauthorized deductions, contact them immediately.
Blank checks. Keep your blank checks in a safe place. Although you may not be technically responsible if someone steals your checks and forges your name, consumers are often unable to recover their funds which have been deducted from their account. Financial institutions have several defenses including consumers' negligence.
Bounced checks. To avoid costly bounced checks, tie your checking account to a revolving line of credit (an empty loan). If you have such a pre-arranged plan, and write a check for more than your available balance, a loan advance is made to pay the check. If you pay off that loan quickly, most financial institutions charge you very little in interest and fees. Keep that line of credit reserved as your checking account backup - and don't use it for anything else. Bounced check fees, are very costly. Beware; many banks automatically provide very high-cost "bounce protection" programs for those who don't.
Solicitations. Don't give your account numbers, credit or debit cards, or your Social Security numbers to anyone who phones or e-mails you. They may not actually be who they claim to be. They may fraudulently use your information, and the damage done to you financially, or to your credit rating, may cause huge headaches, and a horrendous waste of your time, money and energy trying to correct the problems.
Investing. If you can't afford to lose it, don't speculate with it. The greater the rate, the higher the risk.
Risk Free. Nothing is "risk-free". Especially nothing involving money.
Too good to be true. If something sounds too good to be true, it is! Don't fall for the scams. Heed the clues!
Credit repair. Be weary of credit repair services. Some claim to be able to "fix" bad credit. If you have inaccurate information on your credit report, you may contact the credit bureaus directly and correct it yourself. If you have had credit problems, any attempts to remove the relevant information from your credit report are illegal, fraudulent, and only temporary.
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