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HUD's Proposals For Reform
October 19, 2002 On July 29, 2002, HUD released a set of proposals to substantially change the ways in which home loans are originated in the US.  As usual, the proposals were open for comment, and many thousands of them were received.  Mine was among them, and is shown ... more...

Single File Mortgage Insurance: An Advance?
June 6, 2005 Revised October 5, 2005 "I recently was told about single file mortgage insurance, which is supposedly superior to piggyback arrangements. Is it?" Single File Mortgage Insurance is Lender-Pay Home purchasers who cannot make a down payment of 20% today ... more...

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Second Mortgage, Home Equity Loan
Second Mortgage, Home Equity Loan A secured loan (mortgage) that is subordinate to another loan against the same property. More specifically, the second loan in sequence. Generally, second mortgage hass a higher interest rate and with shorter terms than a ... more...

Second Home, Vacation Home
Second Home Second home is a seasonally occupied property that is not the primary residence of the owner. Such residences are usually found in areas with substantial opportunities for recreation or tourist activity. Second Home As Investment However, when market is ... more...

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Why You Need a Realtor
As you consider selling your home, you might be thinking Why do I need a Realtor, what value does a Sellers Agent bring to the table? There are five areas where I, as a licensed Realtor can help you in your homes sale -SETTING THE PRICEPricing your home is a careful balance. Set the price too low ... more...

Fantasy Football Information: Dont Expect Moss to Have T.O. Type Year with Raiders
Here is some fantasy football information that the fantasy football books and magazines will likely disagree with. If youre a quality fantasy football competitor, though, you know you have to rely on many sources to get your fantasy football information. Bank on this: Randy Moss will not ... more...

The Home Buyers' Guide To Understanding Mortgages In Amsterdam New York
Mortgages are not one-size-fits-all propositions. You truly need to do your homework before signing a major contract. If you bite off more than you can chew, you may lose your good credit status, as well as your home. One of the first steps you can take is to audit your finances. Know what you can ... more...

Luxury Condos In Laguna Hills California
If you could choose to live anywhere in the country, where would it be? You may dream about living on the beachfront in Miami watching the waves crash from your bedroom window. You may wish you lived in Las Vegas and could watch the bright lights flashing on the strip. You may want to live in ... more...

Understanding How Your Credit History May Affect Your Car Insurance Coverage
Many personal auto insurance companies consider your credit information when determining how much premium to charge for your insurance. So if you are calling around for new insurance, keep in mind that many insurers are looking at your credit history. I hope that we will be able to let you know why ... more...

Home Equity Loans - 5 Useful Application Tips
Obtaining a home equity loan does not have to be a major ordeal. Unlike your first mortgage, you are already in the home, and usually time is not such a major factor. You can close the loan at your own leisure, and take your time researching the different options available to you. Below you will ... more...

Creativity And You
95 percent of what we know about the brain, we have learned in the last 20 years. So, your beliefs about creativity were probably shaped by faulty information.For instance, many believe that only special, talented people are creative and you have to be born that way.Wrong.The notion that geniuses ... more...

Student Loan Consolidation - Save Money, Pay Less, Spend More
Save Money, Pay Less, Spend More on What You Want? Sounds too good to be true, doesn't it? Well, if you'll spend a few minutes learning about student loan consolidation, you'll soon be armed with enough information to make some really good decisions and help you achieve all of the above, and ... more...

D.A.N.C.E. With Me
Recently, a client asked what he could do to help my business, but I wasnt ready with the answer. A lot of us probably miss these opportunities because we dont think through what we need and how to respond when someone offers to help promote us.Lets take a look at the D.A.N.C.E., a few simple ways ... more...

Real Estate Rookies Need to Work Smarter, Not Harder!
The housing boom has attracted a flood of newcomers to the real estate profession. Those that have been downsized, retirees and even people who just want a better life style see real estate careers as exciting, less stressful and offering high rewards.But they soon discover that the real estate ... more...

Invented Spelling --- Another Alice-in-Wonderland Public-School Theory
As part of the whole-language (or "balanced") reading-instruction philosophy, many public schools now teach what they call invented or creative spelling. Under this theory of spelling, teachers believe that forcing a child to spell a word correctly thwarts the child's "creativity." So in ... more...


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