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2008 and most of 2009 were sheer disaster zones for investors. Some investors lost more than half their investment portfolios, some lost all of it and there were the select few who actually made money, through the economic turmoil. Now, that most experts claim the worst is behind us, it might be time to jump back in the market. However, not without caution. While clients might be skeptical about taking the plunge back into the investment market, we feel that this might be the opportune moment for a lot of individuals. Although plenty of investors have missed out on the

In today’s credit climate, having a steady job and a good credit rating aren’t enough. When it comes down to mortgages, credit officers are getting more and more picky about the type of clientele they prefer. Hence it is always important that you take a proactive approach and dazzle your mortgage officer with your preparation. The 4 Cs A Loan Officer Looks For Primarily when assessing your application, the four Cs are a pre-requisite to a mortgage officer. This tells mortgage officers a lot about they type of client you will shape up to be. The four C’s are: Capacity:  This refers 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

Many experts are of the opinion that the worst of the financial crisis is behind us. However, we are still not completely in the clear. It is always in the best interest of consumers to gauge their financial situation and not be lured in by rosy pictures painted by bankers, lending professionals, investment analysts and lending professionals. A common sense approach to the whole dilemma is that individuals are probably in the best position to judge their own financial situation in comparison to complex model created by professionals. The Consumer FInancial Protection Agency – What It Means This article is more in

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

If you have been harbouring dreams of college, or have been wondering if you will be able sufficiently to send your kids to a university of their choice, this is post on education savings may be suited to your needs. Irrespective of market conditions education costs do not seem to have dropped as much. Even today affording good higher education requires planning and meticulous savings for college. The 529 College Savings Plan & Other Options The new 529-college savings plan, has meant that it might be beneficial to stay near home as States offer deductions to residents contributing to their state’s plan.

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

Everyone knows about it and everyone knows it’s benefits but what most consumers do not know are the simple facts about their life insurance policies and how with the power of knowledge they can save themselves not only a lot of money but also heartache should the need to make a claim ever arise. Here are some things to know about life insurance policies. Life Insurance Policy Information Evaluate Your Options: In a complex business environment such as we have today, the age-old principle of “one size fits all” is long gone. Make sure that you look around and consider a few