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The REAL Cost of Refinancing Your Home

by Kevin Mercadante January 10, 2013

With mortgage interest rates at all-time lows, there’s a surge of refinance activity as homeowners try to take advantage of the drop. For most homeowners, refinancing at these rates makes abundant sense. But there are costs involved in refinancing your home that homeowners are not always aware of. Some of them are built into the [...]

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What is a Good House Payment Amount for You?

by Kevin Mercadante December 28, 2012

When it comes to buying a house or refinancing your mortgage, there’s a tendency to push the envelope as far as you can. Most people want to borrow as much money as they can on their homes so they’ll usually borrow as much as a mortgage lender will allow. This is especially true when purchasing [...]

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Do Freezer Chests Save Money?

by December 19, 2012

My wife wants a chest freezer so we can store more food. The idea behind it seems sound – a freezer chests allow you to buy and store large amounts of food. This makes it easy to stock up on foods when they are on sale, and gives you the added convenience of not making [...]

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Cable TV Too Expensive? Why Not try Cheap Alternatives to Cable?

by December 6, 2012

Cable television is expensive. Sure, those big cable packages give you several hundred channels to choose from, but are you watching enough of them to justify the cost each month? For the majority of us, there are a handful of television shows or channels that we watch regularly. There may even be a few shows [...]

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Using Christmas Shopping to Teach Kids About Money

by Emily Guy Birken November 27, 2012

When your children are small, maintaining the magic of Santa Claus can potentially throw a wrench in their financial education. Since “Santa” is bringing presents, then it can seem perfectly reasonable for them to ask for expensive gifts. They may understand that Mom and Dad aren’t made of money, but Santa ought to be. But [...]

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How to File A FEMA Claim

by October 31, 2012

When a natural disaster strikes, it can to get back to a normal way of life. For many people, that means taking each day at a time and trying to make your home livable again. For those who lost everything, it might mean trying to find safe shelter for a few days or longer. The [...]

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How a Large Down Payment Helps You

by Miranda Marquit October 26, 2012

When we bought our house five years ago, we used a FHA loan. At the time, the down payment requirement was 2.5% (the requirement has since increased to 3.5%). Much as it shames me to admit, we bought with the smallest down payment we could get away with. Looking back, though, I wish that we [...]

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