Before You Begin The Task Of House Hunting…

  Before You Begin The Task Of House Hunting… The thought of purchasing a home, especially for first time home buyers, may seem like a daunting task. House hunting is a big job; but the sheer size of the loan itself to obtain a home is enough to give anyone butterflies in the stomach! If you follow a few simple guidelines, you can make working with your banker or mortgage lender to get you the loan you need to purchase the home you desire. Whether you are working through a mortgage banker or another lending institution, here are a few guidelines to help you get started on the right path and not only avoid potential pitfalls, but also will be a great tool if you currently do not qualify for a mortgage loan. Everything Starts with Your Budget Before...

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Frugal Living – How to Use the Internet to Save Money

There are many different ways to save money.  We have many tools at our disposal; including the internet.  While the internet is full of great (and not so great) money saving ideas; we want to share a few that we’ve come across: 1. Check Out Price Comparison Websites Whether you are planning to purchase a small appliance for your kitchen or a  large investment like a car, you can search for reviews and price comparisons  online. Even if I want to buy a book from Amazon, I check the reviews first  before I put the money into it. 2. Subscribe to Coupon Blogs Each day, I get several emails from different coupon blogs that I have  subscribed to. These are kept current daily and give you the best deals on  groceries and other items. Sometimes they show...

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HARP 2.0 – What Is It?

For much of the past year, mortgage rates have been at or near record low points. Unfortunately, many homeowners have been unable to take advantage of these rates due to declining home equity. Many homes have lost significant amounts of value since the housing market peaked in 2006. As a result, many homeowners now owe more on their mortgage than their home is worth (this condition is known as being “underwater” or “upside-down” on one’s mortgage). Homeowners who lack equity in their homes are frequently unable to meet the loan-to-value (LTV) ratios required by lenders in order to refinance their mortgages. These borrowers may be missing out on thousands of dollars worth of savings. In response to this situation, the government...

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How To Save A Little Money In 2012

Could you benefit from saving a little money this year?  Silly question, right?  We could all stand to save a little.  How does $5000 sound?  Saving $5,000 may seem like a tall order. But when you review your finances piece by piece, you may be surprised by how fast things add up. This year, why not make a New Year’s resolution to meet that goal? Where are you now? Before you can begin to save, you need to understand what you’re really spending. “People who don’t know where their money is going aren’t really able to start saving it effectively,” says Tracy East, the director of outreach with the nonprofit Consumer Education Services. People tend to underestimate their spending, so East recommends keeping track of where your...

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FastCustomer App Eliminates Customer Service Hold Times

You’re already annoyed that you have to dial a customer service phone number to try to resolve a problem. Is it really necessary for you to dial a bunch of random digits, endure “music on hold” and pray that you’re not disconnected before reaching an actual human being who can help you? Results Junkies, the developer of FastCustomer, a free app for the iPhone and Android smartphones, thinks not. FastCustomer works simply enough. First you tell the app your phone number. Then you find and select the company you wish to call, from within the app’s list of more than 2,500 customer service departments. Finally, you press the on-screen button labeled “Have someone call me.” Within a few minutes, your phone rings––and...

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How To Grow The Perfect Herb Garden

If you enjoy including fresh herbs in your cooking, consider growing your own herb garden at home.  Nothing beats the fresh taste and cost savings!  And during the harsh, Indiana winters; these gardens can be brought indoors for year round enjoyment.

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