With thousands of television channels at your fingertips, it’s hard to imagine that there was a time when we had just a handful – and you had to stand up to change them. Unfortunately, along with the ever-increasing options have come ever-increasing prices. Arguably, the only aspect of television not to go up is the quality of the content.
When applying for a mortgage to purchase a new home or refinancing your existing mortgage, you have to be ready to jump through some hoops. It can be a difficult and time-consuming process to shop for a lender, evaluate interest rates and terms, and pay out some steep fees. Some of the requirements of a home mortgage – such as having a good credit score and meeting a certain minimum income – are within your control.
Unfortunately, the outcome of one of the most important factors, the home appraisal, is not something you can control. Still, it is important to have a full understanding of the home appraisal prior to starting the process of acquiring or refinancing a mortgage.
When shopping for a car, one major factor to consider is fuel efficiency. With rising gas prices, this is an especially important issue for most consumers. Although some cars advertise that they are more fuel-efficient than others, automakers do not have free rein to determine just how fuel-efficient to make the vehicles they sell. Instead, the government implements standards to regulate efficiency.
Recently, these fuel efficiency standards have been tightened, and questions remain as to whether the new standards will save consumers money or cost them more.
The Change to Fuel Efficiency Standards
Divorce can be emotionally devastating, but the emotional costs may be nothing compared to the financial ones. First Wives World estimates that the cost of divorce ranges between $10,000 and $20,000, with the average cost coming in right in the middle at about $15,000. Estimates provided by the Huffington Post are a little higher, suggesting that it can cost $15,000 to $30,000 to end a marriage.
While celebrities may be able to afford these exorbitant fees (and, as the celeb divorce rate shows, they frequently do opt for expensive and high-profile divorces), the cost of divorce can place a significant strain on the average family.
When you are looking for a new job, it is imperative to write a great resume to get your foot in the door. Many people automatically create a chronological resume, in which they list their past jobs in order by date. While a chronological resume can work very well to display the evolution of your career, there is also another format to consider: the skills-based resume.
Everyone knows that credit card debt is “bad” debt due to the high interest rates on most consumer credit cards, while mortgage debt is often described as “good” debt. But sometimes the distinction between “good” and “bad” debt isn’t so clear-cut. In fact, because of this generalization, some people make the decision to refinance their home mortgage in order to free up money to pay off credit cards. If you are considering doing this, realize that it’s rarely if ever a good idea to pay off credit card debt with the equity in your home.
Have you been invited to attend a timeshare presentation? Perhaps you’ve been offered a steal of a vacation deal – the only catch is that you have to attend a mandatory timeshare meeting. Buying is optional, of course. The timeshare company just requires a little bit of your time. Sounds great, right?
Incorporating a business can be a great way to save money on annual taxes, in addition to the protection it offers you from liability – and if you want your business to have a separate legal identity distinct from you, incorporation is crucial. However, there are some steps you need to take to ensure that the process goes smoothly, and that you meet all legal requirements. Furthermore, it’s especially important that you choose the right type of corporation for your small business.
Buying a home can be a dream come true, as it gives you the chance to put your personal stamp on your space and to create a haven for yourself and your family. Unfortunately, buying a house can also be extremely expensive, and can leave you without a lot of remaining money for furniture and accessories.
However, if you are struggling to make your home look nice due to a lack of funds, you do have several easy, low-cost options.
How to Furnish & Accessorize Your Home for Less
The vast majority of home buyers use some type of mortgage loan to pay for their home. If you are one of them, then you likely know how much paperwork and fine print is involved.
While you can’t be expected to commit every term of your mortgage loan to memory, it is important to be aware of certain key provisions. A typical mortgage contract specifies exactly what type of homeowners’ insurance you need and how much of it you are required to carry. For instance, you may need coverage protecting your home from fires, robberies, or other specific types of damage.