Danger!
They sat in the window sill above my kitchen sink and stared at me every day – for weeks and months.  They whispered like the wind: “frodo baggins” – actually, more like “cash me, I love you!”.
If you think that credit card companies might be just a little sneaky or looking out only for [...]

Credit card debt is an unfortunate financial state to be in, and what is more unfortunate is that a lot of Americans deal with with credit card debt and have trouble getting out of credit card debt because of the credit life style a lot of Americans are accustomed to.

Your credit score plays an important role in how lending institutions judge your credit credibility, a number they can use to evaluate how reliable you are in paying off your debt.

Having been employed in the mortgage business, and particularly in the subprime aspect of it, I got to know it a little.
I have also learned to filter what I hear in the mainstream news – also known as the “driveby media”. When hearing reports about “subprime meltdown”, the real questions should be “what is the [...]

What is “placed insurance”? Very simply, it is when your mortgage company or lending bank purchases home owners insurance for your house and makes you pay for it. It is usually very expensive.

Mortgage rates are reaching new lows in late February. Many people are asking whether they should refinance. The answer is… Maybe. At least that is the initial answer on the way to the ultimate yes or no answer. And the only way to get that ultimate answer is by endeavoring to find out. Not to [...]

Good news today on the lending and borrowing front. The Fed cut interest rates by 1/2%. That can make a significant difference in the overall cost of a home loan over its lifetime. In fact, it can make a big difference in getting a loan at all. Hint…

Mid August greetings, and Happy Hurricane Season! Tropical Storm Erin just soaked South Texas, and Hurricane Dean is chugging across the Carribean as the southern states wait for the music to stop.