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Most real estate agents will tell you this. The worst of the housing market slump is behind us. We have seen housing prices fall nearly 30% and are now ready to see some stability re-enter the market.. We should see the property market staying pretty flat all the way through to 2012, however before we see some stability be prepared for another fall of at least 8-10%.  The question that must be brimming through minds at the moment is: How is this going to affect me? Housing Market 2010: Consumer Outlook With changes in the property market, consumers can look forward to

The last year has been an extremely turbulent time for money markets across the globe. Investors have seen their investment portfolios dwindle to shadows of their former selves, Investment giants have collapsed, been forgotten and swept under the rug only to be replaced by new investment majors. A lot of clients have lost most of their life’s savings and retirement funds. Clients have also made investment blunders by selling at the bottom of the market only to see the market rise 60% in a matter of months. All these facts makes one question, is there really a point to investing

If you haven’t started planning for your retirement yet and are in your sixties, it may be a good idea to start taking time out to plan your retirement and ensure a secure retirement future for yourself. If current statistics are anything to go buy, most individuals leave the work force by the age of approximately 62. In addition to this only about 12-15 percent of these individuals feel that they will have sufficient funds in their retirement. The most recent of economic downturns has left several individuals in the lurch about the fact whether they will have sufficient income

On November 6th President Barrack Obama signed a bill extending and expanding the tax credit for first homebuyers. The $8,000 first home buyers tax credit has been extended till June 30. In addition to this the government has also decided to expand the tax credit to another $6,500 to encompass current home owners who are looking to make new purchases. Changes To The Homebuyers Credit In an interesting move by the government to spur market sales the government has extended the homebuyer tax credit to existing homeowners as well. In order to qualify for the homebuyer credit, homeowners should have

In the not so distant past it was possible to get a no down payment mortgage loan or a 100 percent lend as the market place calls it. However with the recent economic meltdown and tightened lending policies, no deposit loans are fast becoming the “Dodos” of the banking world. In other words they are extinct. This leaves clients with the obligation of coming up with sufficient funds to be able to secure a mortgage nowadays. Come to think of it, one of the chief advantages of putting down a down payment for mortgage is that it creates instant

One fact that home buyers should remember is that it is more difficult to obtain a home loan today than it was even a few years ago. Hence it is very essential that consumers, first home buyers and experienced buyers, take into consideration all factors that might influence the most important purchase of their lives – buying a house. Guide To Buying A Home Before buying a house, it may be beneficial to actually visit the websites of some of the lenders you might be considering. Most of these lenders have calculators online, which can help you gauge how much

We often discuss ways to save money and more so during a recession. However, how often are we savvy financially? During a cloudy economic environment, it is very crucial to have your investments and finances tuned so that, it is possible for your wealth to adapt to changing financial conditions. Here is some basic financial advice you could follow to ensure your financial profile is in the pink of health. Financial Help & Advice If you are not very financially savvy yourself, we have some finance tips here for you that you may find useful. Tax Time More than half the nation prefers to

It is interesting to know that consumers feel that their income is taxed uniformly throughout. However, this is not true and consumers must understand tax basics. Different amounts are taxed a different taxation rates. Put simply the marginal tax rate for an individual is the tax bracket at which his/her highest portion of income is taxed. So in essence when people talk about their income tax brackets, what they are actually talking about is their marginal tax rates. Below is an example to help you understand the determination of your tax bracket: Tax Bracket Calculator Let us

One might consider an article talking about choosing the best bank account in this modern day and age rather absurd. But knowing your individual spending habits and money needs might help you choose the correct bank account. In today’s fast evolving economic world no two products are the same and neither are bank accounts. Bank accounts offer different features. Some pay higher interest than others, while some don’t. Some are catered for the needs of senior citizens while some are tailored exclusively for students. Despite their various options, one thing in common to all bank accounts is the

When it comes to understanding taxes most consumers are ready to go and see a tax professional and get them to look after their tax basics. While this might be the easiest way to handle your taxes if they are way too complicated and beyond your scope, consumers who have less complicated tax returns can actually benefit and save time by being a bit more tax-savvy. Understanding tax basics and your taxation liabilities better can help you make informed decisions and could help you save a lot of money over time. We will be discussing certain basic tax issues in