Michele Lerner
The best way to ensure that you build wealth and avoid debt is to diligently plan and save as much money as possible for both future needs and desires. However, exactly how you handle your savings can depend greatly upon your financial habits. Some financial experts recommend setting up a simple savings account tied to your checking account, while others advocate opening multiple accounts to be used for various savings targets.
There are pros and cons to each approach. Of course, a major part of your final decision depends on your financial personality.
These days, drivers 
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While many homeowners are familiar with the option of 
Extremely low mortgage rates and rising apartment rents in many cities have led some people to dive into homeownership more quickly than they’d originally planned. However, others are choosing to wait until the housing market recovers, in spite of the incentives to buy. The truth is, there’s no one right answer when it comes to determining whether to rent or 
Whether you’re buying a home or refinancing your current home, you may assume your choices for financing with a fixed-rate home loan are limited to a 
If you have an FHA-insured mortgage on your home, you may have the opportunity to refinance with an FHA streamline refinance. While the hype surrounding the FHA streamline refinance program makes it sound fabulous, the reality is that mortgage lenders often put what are called “overlays” on FHA guidelines. In other words, while the FHA says you can basically refinance your underwater home even if you have bad credit and are unemployed, most lenders require you to meet a certain level of standards.
Whether you’re interested in snapping up a bargain home and renovating it to meet your needs, or you have a kitchen full of outdated appliances that you’d like to replace, an FHA 203k home loan may be the solution to your financial needs.
Record-low mortgage rates have been generating an avalanche of refinance applications, but if you’re age 55 or older, you need to seriously consider refinancing in the context of your 
