Give Your Finances A Clean Sweep

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Any time of year can be the right time to get your home office organized-and while you’re at it, your finances, too. Here are some tips: • Take out the garbage. Start with your desktop-not your computer, the real one. If your desk is covered in paperwork, weed out what’s important and store key documents […]


Teaching Your Teen Good Money Management

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Okay, you want your teenager to be more responsible with money. Do you remember when you were a teenager? Did you act responsibly with your money? What were some of the things your parents did to teach you about handling your money better? In this article we will discuss some of the ways you can […]


Teach Kids About Money And Saving The 10 Vital Lessons Your Child Must Learn

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Your 5-year-old daughter has started asking for money to buy sweets and toys. She obviously has a good understanding of the concept of exchanging money for items she wants or needs, but what are the important lessons you should teach kids about money and saving. You want to make sure that she doesn’t grow up […]


Parents Supporting Adult Children

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How does that grab you? If you noticed this, maybe it’s because you are one of millions of older parents out there today, that are still supporting your adult child or children. Hey, they’ve been through college. They’ve gotten that position with a fairly good company. Maybe it’s not their final goal in that career […]


Let The Teens Manage Their Money

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The teens want to have their own money. Teens want to have discretionary funds they can use without their parents poking at them and auditing all their cents. If the parents would let their teenagers manage their own money, they should be ready to give them advises on money management such as budgeting and fund […]


Teaching Teens About Money Management

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More and more young adults are falling into debt. In fact, more students drop out of college as a result of credit card debt than academic failure; they find themselves in debt and are unable to get jobs to pay that debt off. From the latest electronic gadgets to high-priced clothing and accessories, teenagers are […]


Financial Training For Teens Makes Dollars And Sense

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According to a new poll, as they get older, a growing number of American teens own credit and debit cards-and the way many manage them has some people concerned. For example, among teens ages 13-14, only 5 percent reported owning credit cards. Yet at age 17, the percentage of ownership climbs to just under 10 […]


Teens And Credit Cards

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“Don’t worry about it. I’ve got it this time. Next one is on you.” A commonly heard statement when going out to lunch, but not so common when the words are being uttered by your 14 year old unemployed son as he whips out his credit card and places it on the lunch bill. There […]


Battling With Customer Service How To Win The War Part 1 Of 2

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Customer service, how I loathe thee. Let me count the ways. The never-ending loop of obnoxious hold music. The pressure to buy new products and services. The poor-quality, outsourced call to a distant land. A call to customer service can be an infuriating ending to a frustrating experience. You’re upset and looking for empathy, but […]


Real Estate Note Owners Biggest First Mistake

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The single most common mistake that a note holder makes when creating a note is that they fail to check their buyer’s Credit Report. It seems so simple, but it is worth repeating “Most people fail to check the credit report of their prospective buyers!!” Can you believe this? Just by doing this one simple […]


How To Use Equity To Your Advantage

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Once you have purchased a home and are making monthly payments, you are in the process of building equity. The opportunity to use the equity you have built up in your home is one of the benefits of homeownership. The equity you have built up can be used for many purposes on your advantage. Many […]


Debt To Income Ratio It S Just As Important As Your Credit Score When Buying A New Home

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Your debt-to-income ratio (DTI) is a simple way of calculating how much of your monthly income goes toward debt payments. Lenders use the DTI to determine how much money they can safely loan you toward a home purchase or mortgage refinancing. Everyone knows that their credit score is an important factor in qualifying for a […]


A New Program To Assist First Time Homebuyers

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Studies show the dream of homeownership is becoming a reality for a growing number of Americans. For example, according to the 2005 Harvard Joint Center for Housing Studies State of the Nation’s Housing Report, minorities are making inroads into all housing market segments across the United States. This trend is expected to continue with minorities […]


Buying Foreclosure Homes You Win By Offering The Homeowner Options

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In teaching workshops on how to buy foreclosure homes (often listed on a foreclosure auctions report), I often write on the markerboard in big bold letters, “Gain They’re Trust to Close More Deals”. The principle of gaining the trust of the homeowner threatened with foreclosure is a deal-maker. If they trust you, they are more […]


Finding The Minnesota Mortgage Broker That Is Right For You

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Purchasing a home is an important step and needs serious consideration. Whether you are a first time homebuyer, or buying a second home, you need to find the right company to assist you. Find a Minnesota mortgage broker that will answer your questions and help you find the right loan for your situation. There are […]


Creative Financing Ten Ways

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Do all the creative financing techniques you hear about really work? Yes, actually. They probably have all worked somewhere for someone at least once. The point isn’t if they will all work for you. The point is to know what is possible, so you can find your own creative ways to invest in real estate. […]


First Time Home Buyers Fulfill Dreams With The Right Mortgage

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There’s no doubt that owning your own home is one of the cornerstones of the American dream. Indeed, low interest rates over the past decade have meant that more Americans than ever before have become first time home buyers. Yet, as anyone following the news knows, the subprime lending market of the past has created […]