The Wright Place- Finances

Women have a love/hate relationship with money. Most of us do not enjoy dealing with it, yet we know not having finances under control will cause our entire family to suffer.

A recent guest on the show Karen Franks, explained how important your credit is and how you should check on it often. ‘At least twice a year”, says Karen Franks. Checking our credit is one important proactive way we can make sure we are in good financial shape. She also mentioned that many married women have better credit score than their husbands, even if they do not make as much. When another show guest, Dan Contreras talked about financial planning, he stressed using a professional. ‘Don’t rely on hearsay, get some real understanding about your situation.” And Linda Hollander the author or Bags to Riches says “Mentors are the fast track to success”. Find someone who has reached the same financial goals you want to reach and then do what they did. This simple technique works even if your goals are modest. While everyone’s situation is different, I really just want to motivate you to do something to have a positive effect on your finances. Here are a few simple things you can do that will start the ball rolling.

1. Get a copy of your credit report and check it for errors( free if you have been turned down for credit)

2. Look at your savings plan, are you on track, do you need to increase or decrease the amounts you are trying to save?

3. Look for your insurance policies, be able to get them immediately, know exactly where they are.

4. Start some financial education with your children. Start a student saving account.

5. Start planning next year’s financial goals. What do you want to change, what goals do you want to accomplish, what new accounts do you need to open and which accounts should be closed.

If you handle your finances you’ll be in The Wright Place!

Dr. Letitia S. Wright, D.C. is the host of The Wright Place™ TV Show, a talk show for women, which can been seen on dish or direct TV channel KHIZ on Sundays at 6:30 PM, or seen on the Internet at www.wrightplacetv.com or cable television channels in your area. She can be reached at info@wrightplacetv.com or 909-635-2040 for questions, comments or interviews.

Written by: Dr. Letitia S. Wright, D.C.

Refinance Online

If you want a low interest, low payment mortgage refinance, refinancing online could be the answer. There are many mortgage companies who specialize in mortgage refinancing online. No matter what your credit history, you can refinance your mortgage online and potentially save thousands of dollars in interest on your loan. With interest rates being at a historical low level, customers expect great rates and low payments from mortgage lenders. Online lenders can offer you free quotes and low interest rates when you apply for a mortgage refinance loan online.

Online lenders compete for customers by offering incentives and extremely low interest rates, even for a subprime loan. Bad credit will not disqualify you when you apply to refinance online. Subprime online lenders will offer you the lowest rates possible and easy terms on your refinance loan. Refinancing online is quick, easy, and convenient. You can be pre-qualified or even pre-approved in a matter of minutes. You can begin the refinancing process now when you complete a mortgage refinance application online.

If you have less than perfect credit, you can still qualify to refinance online. There are online lenders who specialize in subprime loans for those with poor credit history. As with any mortgage lender, subprime loans will have higher interest rates than loans for those with good or excellent credit. Subprime lenders, whether traditional or online, will assist you in getting the lowest interest rate possible for your credit situation. Bad credit will not prevent you from refinancing your mortgage online.

You should comparison shop when looking for online lenders. In order to get the very best terms when you refinance online, you need to compare the interest rates and monthly payments offered by various online lending institutions. Online lenders compete for customers and are currently offering amazingly low interest rates and may be able to drop the amount of your monthly payments dramatically. When shopping for online lenders it is wise to get quotes from several different lenders before making a decision. Finding the best interest rate possible can save you a lot of money over time. When you refinance online you will find mortgage experts who will assist you during each step of the refinancing process and will answer all your questions in a prompt, professional manner.

Refinancing online is an excellent choice when shopping for mortgage lenders. Your application will be processed quickly and one or more online mortgage companies will contact you promptly. If you would like to take advantage of today's low interest rates, apply to refinance your mortgage online today. A poor credit history will not prevent you from qualifying for a mortgage refinance loan from an online lender.

To view our list of recommended online refinance mortgage lenders, visit this page:
Recommended
Online Refinance Mortgage Lenders.

About the Author

Carrie Reeder is the owner of ABC Loan
Guide, an informational website with articles and the latest news about
various types of loans.

Written by: Carrie Reeder

Refinance questions you should ask yourself

Before you even consider a refinance, ask yourself this fundamental question: "Why do I need it?" "Many times, people take out a new, larger loan to pay off credit cards, automobiles or even to purchase another home," says Norm Bour, host of the nationally syndicated U.S. radio program The Real Estate & Finance Show, and an experienced mortgage lender. "Sometimes they need the money to do home improvements or renovations." If, however, you want to lower your current loan payments or switch to a different type of loan, you must calculate the benefits before going the re-fi route. "If someone is going from a fixed loan to another fixed loan, my general benchmark is to see a 1% reduction of interest rates to justify it," says Bour, who also teaches money-management classes in Southern California. "Sometimes the borrower goes from a fixed-rate loan to an adjustable to lower his payments. Sometimes he does just the opposite-maybe to get away from interest-rate volatility. These are very personal decisions, specific to each individual client."

You may already know-or suspect-that you will not live in your current home beyond a certain timeframe (perhaps 5 years). If this is the case, why would you even consider a 30-year loan? "Sometimes, an adjustable-rate loan or a 'hybrid'-say, a 5-year fixed, then converting to an adjustable-makes the most sense," Bour says. Find out more here: ">http://www.mortgage-for-all.com/50047.php"> Home Mortgages: Think Before You Borrow

Do your homework before trying to qualify for a new loan. You should know: ? The approximate market value of your property, as "loan to value (LTV) is one of the primary factors that control interest rate," Bour says. ? Your credit score, which will affect your overall ability to secure a loan, as well as the interest rates offered and the options available to you.

In certain cases, refinancing may not yield "a monetary savings, per se," Bour says. This means there must be "compelling reasons" to secure a new loan, he emphasizes. "A good loan officer will ask a series of questions to help the borrower identify his best option," Bour says. The officer should: ? Assess your current monthly cash flow and potential future risks. ? Calculate your monthly savings if you were to refinance. ? Determine how long it will take you to break even. ? Fully explain the different types of loans and interest structures. ? Disclose all closing costs and "hidden" fees (origination fees, escrow, title, underwriting, interest, taxes, insurance, prepayment penalties, etc.). ? Treat you with respect and as an individual-not come up with a one-size-fits-all, cookie-cutter approach to your financial future. Find out more from our huge collection of expert mortgage and refinance collection at: Expert Mortgage Advice

Other resources:

* Re-mortgage * Expert Web Hosting Advice * Expert Dog Training * Health advice on numerous conditions

About the author:

None

Written by: Mike Rad

Urban Hyena Finance Ravages Opposition

The 19th of September 2007 signified the launch of potentially one of the most significant information Websites for the financial market. A must see tool for anybody interested in expanding there knowledge base regarding home and auto loans, mortgages, credit cards, bad credit, stock market, franchises and business development.

The success of this site is that it's interactive in that it allows valid information from experienced readers to filter down onto the website proper itself. The best advice comes from experience, and our readers all have a history within their chosen fields.

The UrbanHyena.com team would like to thank the support that has been extended toward us over the previous six months as we began work on this site. Its success thus far is due completely to the public whom have been asking for this service for so long. We hope we can continue to fulfill your financial needs.

http://www.urbanhyena.com
About the Author

New information Website for financial services, succeeds in drawing an audience. Advice and timely tips and tricks for the stockmarket continue to astound viewers.

Written by: Smooth Productions Pty Ltd

Use Homeowner personal loans to finance your needs the secured way

Personal loans taken by homeowners need not necessarily be secured. It is true that more and more homeowners are lured into taking secured loans. Several advantages that only secured loans can let them enjoy are recounted by the loan providers. Nevertheless, homeowners now form an important customer base employing unsecured personal loans to their financial needs. Though the homeowner does not part with the lien on his home, loan providers are not complaining. Being a homeowner connotes credibility, a prerequisite to unsecured personal loans.

Whatever be the form in which personal loans are lent, homeowners continue to enjoy the preferential status. As mentioned above, by the fact that one is a homeowner, the individual becomes credible enough to be lent. Come what may, borrowers will not endanger their home through inappropriate financial decisions. Loans and mortgages, either directly (secured loans) or indirectly (unsecured loans), affect the home through liquidation or by transferring possession of house. This happens in the event of non-payment of the unpaid dues. Consequently, borrowers will be regular in repaying the monthly or quarterly instalments on the Ho meowner personal loans . Isn't this what the loan providers desire? Getting back the amount lent without much hassles will be termed as lower risk. The preferential treatment allowed to the homeowners is the result of this very reduction in risk. The following article illustrates the benefits available only to the homeowners borrowing through personal loans.

First is the number of loan providers that are prepared to lend personal loans to the homeowners. Almost every lender vies for the business of the homeowners. The deals offered include unsecured loans as well. Convenience rules the market. Borrowers will find it easier to locate the loan providers online. An online loan provider has his financial products advertised on its website. Applications listing the loan details can also be submitted online. This is relatively easier for borrowers since they do not have to run every time loan documentations have to be undertaken.

Homeowners conventionally use secured personal loans. A secured personal loan makes use of the equity present in home. Equity is the market value that a home fetches after deducting any unpaid loan, for which home has been pledged. The maximum loan amount can be had on secured personal loan. Up to 80% of the equity present in the home can be raised as loan. Some loan providers are ready to lend up to 125%. The amount lent on unsecured personal loans to homeowners, though not equivalent to secured loans, will be higher than what the non-homeowners get.

Homeowners are also benefited with a cheaper rate of interest. The reduction in risk is adequately compensated through a lowered interest rate. Borrowers must beware loan providers who claim to be awarding homeowner personal loans at the cheapest rates, but are actually adding several costs to the loan repayable. The appropriate method to compare interest rate will be through APRs. APR allows interest rate comparison on a more common base. Loan calculator lists the APR being offered by a multitude of lenders. This can be used to learn about the interest rate that homeowners get personal loans on. However, loan calculator only suggests the interest rate and does not give the exact measure that loan providers ought to charge. Many a times the details in the loan calculator are obsolete. Therefore, the loan calculator must be used with caution.

Still another method of comparing interest rate (which does not involve time consuming calculations as in loan calculator) is a personal loan quote. The short-listed lenders may be requested to send a personal loan quote with the terms of homeowner personal loan specified. This gives the perfect measures for comparison. Personal loan quote puts no obligation on the borrower.

Repayment terms are no different from those offered to the non-homeowners. Since interest rate is lower on homeowner personal loans, the amount repayable may not be higher. Since the repayment is to be made through monthly or quarterly installments, borrowers will not find the task as Herculean a task as it is for the non-homeowners. The differences are noticeable when the installments are not paid regularly. While the loan providers easily lose patience with the non-homeowners, they do not with the homeowners. Homeowners get payment holidays and discounted rates of interest during periods of financial depression.

Homeowner personal loans, despite the advantages that it allows its borrowers to have, do have to be used with prudence. You surely wouldn't like to lose your home for a repayment not made on time. Proper advice will go a long way in keeping the bad-effects of homeowner personal loans at bay.

About the author:

Peter Taylor is a senior financial analyst at easyfinance4u with an acumen for finance and insurance. His articles are widely read because of the lucid manner of wriiting and thoroughly researched datas.To find Secured loans,secured personal loans,secured debt consolidation loans in uk that best suits your need visit http://www.easyfinance4u.com< /a>

Written by: Peter Taylor

To Refinance...or Not, That Is The Question???

What does it mean to refinance? Why would someone want to refinance? There are many cases when a person
would refinance. When we use the term refinance, we are
typically referring to a loan such as a car or house loan.
It may also be a business loan. For the purpose of this
article, we are going to discuss the home loan but most
of the same rules of refinancing apply to other types of
loans as well.

Refinancing your home can be defined as the process of
applying for a new mortgage, and using the money you receive
to close out your older mortgage. Many homeowners already
take full advantage of this, because they are sometimes able
to find a mortgage loan at a better interest rate. With the
help of this, they can pay off their mortgage much sooner,
and ultimately have a lower amount to pay back.

Because a refinance plan essentially amounts to taking
out a new mortgage and closing out the former mortgage,
the steps involved resemble those involved in taking out
your original mortgage. It is important to bear in mind
therefore that the process will likely involve at least
some of the same expenses, because of this. But considering
the vast amount of money that refinancing can save you,
homeowners find that it is often well worth the trouble.
Some people may even choose to save up a certain amount
of money and apply as a 'down-payment' on the sum that
they refinance. They can then refinance a lower amount
and the payments will be lower.

Of course, the most popular reason to refinance is so
that homeowners can secure a lower interest rate and
therefore pay lower repayments each month. If the interest
rate that you received on your mortgage is higher than
current interest rates, you will probably want to consider
the benefits of refinancing. This means that even if your
refinanced mortgage is for the same amount as your
original mortgage, the lower interest rate means a total
lowered cost to you. Often a long-term loan will have a
large amount of interest and you may spend years paying
off just the interest and not paying the principal.

Of course, when you refinance, it will result in smaller
monthly mortgage payments for you and your family.
This basically gives you more liberty every month, and
much better security financially. Research refinancing
options today, and begin saving on your home mortgage! You
may want the help of mortgage broker to consult with to
access available options.

Hilda Schultze
href="http://www.refinancectr.com"
Refinance Ctr
a resource for Refinance related information.

About the Author

The author, Hilda Schultze is the webmaster of

Refinance Ctr
a one stop website for Refinance related information.



Written by: Hilda Schultze 

The World is Not Enough - Calling for a More Ethical Approach to Personal Finance

At a time when the entire world’s attention is focused on the problems of world debt, with the Live 8 concerts, the G8 summit in Scotland, the Make Poverty History Campaign (MPH) and the various anti-poverty marches, it seems that everyone wants the world’s governments to behave more ethically towards the manner in which international finance is conducted. This is obviously a laudable attitude to take, and has gained immense momentum with such a groundswell of public opinion that even the UK Chancellor, Gordon Brown, has stated he is planning to participate in the Make Poverty History demonstration in Edinburgh during the G8 summit.
Mr Brown has urged world leaders to follow up their decision on debt cancellation for the poorest countries with a doubling of aid and fairer trade rules.
The Chancellor said, "This is a day for the people not for politicians. It is the people's voice that must be heard."
Whilst the support from such a prominent member of the British cabinet with his accompanying statements that the world was "angry" and "outraged" over the poverty in Africa, which has continued despite repeated past pledges from the richer nations, has been welcomed by many who believe that the various organised events could have an influence on the leaders who attended the summit, others see his words as hypocrisy.
Human rights lawyer, Aamar Anwar, said "Mr Brown, along with Tony Blair and George Bush, are the people who are responsible for poverty and starvation around the world…The G8 is proposing spending £30bn on the alleviation of poverty…It sounds like a lot but it is absolute peanuts when it is compared to the £280bn that was made available for the war in Iraq."
The trouble is that although there has been much talking and finger pointing at the rich and powerful Governments of the world, with claims that the way they are running international finances does not stand up to moral scrutiny, how many people can genuinely look at their own finances and state that they themselves are doing everything they can to help, and that they are ethically above reproach? Does their bank or building society lend their savings to companies who are involved in activities that can range from weapons manufacturing, gambling, pornography, tobacco, scientific animal testing to child labour, or do they instead direct their investment towards activities which have a positive social and/or ecological impact?
Most people do not think about where their money is being invested, when they pay into a mortgage, pension or savings account, they just think about the return they will get on their money. This does appear to be changing however.
Following consultation with its members, the Co-operative Insurance Society, which has more than £20 billion of funds under management, has become the first insurer to launch an ethical engagement policy and said it would lobby businesses at every opportunity to improve their ethical performances. The Co-op already tries to ensure ethical compliance by making new business customers fill out an Ethical Policies questionnaire, which is assessed by the bank before agreeing to provide business services.
Financial comparison sites such as Moneynet are now releasing guides providing information on ethical investment covering all aspects of personal finance from bank accounts, investments and pensions to choices of domestic energy providers.
Other organisations such as the Ethical Investment Research Service have been set up to provide information into companies' ethical behaviour for independent investors, fund managers and charities alike.
The world is gradually waking up to the idea that responsibility needs to be taken for our actions, whether those actions are at the global, national or individual level. Lobbying of politicians and the interest that has been engendered by the Live 8, and MPH campaigns can help to make a change, but these need to be continued beyond the present media furore if we are to make a real change. An ethically responsible nation is only possible if we also make changes on our own doorstep. Until we really get our personal finance into perspective, the MPH becomes just another fashion label.

Released by http://www.bigmouthmedia.com

About the Author

Richard works in Edinburgh for http://www.bigmouthmedia.com, occasionally writing for the personal finance blog Cashzilla, and drinking too much coffee.

Written by: Richard Green