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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...

Shopping For a Mortgage On-Line
September 19, 2005, Revised December 5, 2005, Revised January 12, 2005 This article is on the why, which, and how of shopping for a mortgage on-line: why seek a mortgage this way, which sites are the best, and how do you shop effectively?  Why Shop For a ... more...

mortgage real estate sex shopping for condo related definitions

Equal Credit Oportunity Act
Equal Credit Oportunity Act (ECOA) Is a federal law that requires lenders and other creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status or receipt of income from public assistance programs. ... more...

Real Estate Investment Trust
Real Estate Investment Trust (REIT) A trust that uses investors money to purchase and manage real estate. A Real Estate Investment Trust (REIT) is a company that invests its assets in real estate holdings. REIT investments may be excellent inflation hedge. REIT's ... more...

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Donald Trump on Real Estate
I love what Trump says about the business of real estate.I am a big believer in setting up business systems for all my clients. So it is cool to hear from a master like Trump about the importance of systems!Sincerely, Tom KishTHE REAL ESTATE BUBBLE OF 2005?'What Donald Trump has to say about the ... more...

The Sting of Infidelity Isn't that Bad! Right? Is it?
1. Sleepless nights are part of a victims' experience and they have countless reasons to toss and turn. They lie awake at night filled with anxiety fearing an STD (sexually transmitted disease). Until the doctors visits end and a clean bill of health (many years later) a victim lives in ... more...

A Writer's Life
Ever wonder what an authors life is like? What that breathing, sweating, hungry, weary, bona fide guy does when hes not at the keyboard? How does his day job affect his writing? When hes mowing the lawn, grocery shopping, or babysitting grandchildren what goes through his mind? Is he sucking ... more...

OPM - The Art of Leveraging
Equity lender, hard money lender, private investor or what ever term one uses can be a great source of funds to do real estate transactions and the question of how to find them comes up often!There are numerous ways to do this, and no two investors are exactly alike, so it's important to be ... more...

Condo Hotels Offer Luxury and Great Investment Potential
Not Your Typical Vacation HomeWhat could be more perfect that owning a luxury vacation home at a landmark resort and receiving rent revenue whenever youre not using it? Condo hotels are the newest trend in vacation home ownership. Live in it when youre there; rent it when youre not.So how do ... more...

If You Can't Afford to Retire...Move
According to Warren Bland, PhD, an award-winning author and geographer at Cal State, people have a great option. It's called "equity-take" that is, the difference in cost of comparable housing between your present community and the more affordable one to which you could move. So, if you are ... more...

Top Ten Reasons People File for Bankruptcy
1. Eliminate the legal obligation to pay many of your debts.This process of wiping the slate clean is called a discharge of debts. The goal of a discharge is to reduce debt to give you a fresh start. Whether it is through straight bankruptcy (Chapter 7 Bankruptcy) or through reorganization (Chapter ... more...

Parenting After Divorce
Once you have finished gathering all your divorce information, sought all the divorce advice that was out there, found divorce help by hiring an attorney and financial planner after you have learned everything there is to know about how to get a divorce there is one decision that has no fast, ... more...

Canadian Term Insurance Explained
Canadian term insurance may be a new idea for many people who think of whole life insurance as simply a policy you pay throughout your lifetime, but term insurance is actually a better option for most people for several reasons.Term life insurance is basically a life insurance policy that lasts for ... more...

Personal Loans are Here to Fulfill Your Personal Desires
UK finance market at present is very vast offering infinite number of loan options. Borrowers take loan for different purpose. One of the loans that will help you fulfill your personal needs is the Personal Loan.A Personal Loan is a loan that is lent to an individual by financial institutions such ... more...

Parenting Your Teenager: Of Course You Can Search Your Teen's Room
Q. We recently caught our son smoking pot, and we wonder whether he's doing more stuff. We have reason to believe he has been hiding drugs in his room, and we're wondering whether we should go into his room to see whether we can find anything. Some parents we've talked to say yes. Others say, ... more...

Electrical Home Inspection: What You Need to Know!
Whether youre buying a home, or just moving in to your new home, here is some advice that can help you. If youre in the buying process the things you will be looking for are safety and repair aspects. Most electrical contractors can offer you an inspection to check for both of these. If you are ... more...

What Your Credit Score Means To You
Your credit score is a number contained within your credit report. The final judgment on your credit score depends on you amount of debt and your history in repaying loans. The amount of credit you have available to you will also be taken into consideration when your credit score is determined ... more...

3 Creative Job Search Tactics
It's a fact: the best jobs attract loads of competition. So it pays to do whatever you can to stand out as a persistent, creative candidate, one that any sane employer would love to hire.But how can you do that, in this impersonal age of email, chat rooms and mega job sites?Easy. Just do what has ... more...

What is the Difference Between an Unsecured Personal Loan and a Secured Personal Loan?
This is a common question that many consumers have. Many people do not realize that there are even different types of personal loans. Each type of personal loan, secured and unsecured, have different requirements.We will look at the requirements for a secured personal loan first. The name secured ... more...


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