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How to find the best mortgage deals without wasting your time. Step by step guide on finding the right mortgage.
this is so true

Whether you are buying your first home or are a repeat home buyer, you need to consider which home loan in the current economy is going to work to your greatest advantage. You’ll need to figure out your own home buying needs, what’s available and which loan works best for your situation.
wonder what this really means

Mortgages are one of the most commonly used methods of raising money quickly. Home equity loans are mortgages taken against the equity in your home. They come in handy when you need a large sum of money. A special advantage of these loans is the low interest rates offered on them when compared to other types of loans. This is because a home equity loan is secured using your home as collateral.
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Finance. We can’t get away from it. You blissfully survive without needing to worry about it through your childhood in most cases. Books, toys, food, shelter, school, hobby classes and private tuition all miraculously arranged and passing without you noticing that payments were negotiated and regularly deposited with a ka-ching from one account to another.
oh i can’t beleive it

Getting a home loan to buy your dream home nowadays is quite tough. Even with the drop in interest rates, it is hard to find an affordable home loan.
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Before you set out to look for a bad credit mortgage, here are some things you can do to help speed up the process and save you as much money as possible. The first thing, though, is to have faith that not only are you not the only one in need of a bad credit mortgage but that there is plenty of hope that you will get a mortgage and at a rate you can live with. You might even save yourself some money.
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Watching the Congress grilling Goldman yesterday, you can almost see the fear in Goldman employees. Finally fear is striking home.

I have not blogged on any of the greatest financial frauds in this century because I am simply too disgusted by all the Wallstreet & banking industry. I think this matter is extremely simple, [...] …
and i though i was the only one to see it this way

If you’ve been watching television lately chances are you’ve seen the fast food chain Wendy’s advertise a $2.99 value meal. This initially caught my attention as $2.99 is a really cheap price point. I finally got a chance to check it out at a local Wendy’s which is located along my commute.
The value meal wasn’t [...] …
thats funny

(photo: courtesy of Dr. K)

My first memory of ricotta wasn’t pleasant.  I remember thinking that the cheese was tasteless and had a consistency of something akin to white mud rather than some wonderful food concoction.  Fast forward about 20 years and I’m in love with ricotta and value its subtle flavor profile and creamy texture (not to mention it’s versatility).  Note to parents: introduce as many foods to your young kids as possible!  On the versatility front, Ricotta can be used as a spread on crunchy slices of bread, as a simple sauce for linguine (with plenty of fresh ground pepper, extra virgin olive oil, and grated cheese), and, of course, baked with tomato sauce, pasta, and a good melting cheese like mozzarella.Making ricotta at home should be made mandatory in my view given the tasteless junk sold at most supermarkets and the outrageous premium "gourmet markets" charge for homemade ricotta.  Ricotta is very easy to make and it stores fairly well.  My mother makes homemade ricotta about oncee per month and you can make it more often if you’d like, especially if your carton of milk is about to expire!  Here’s a quick and easy recipe:- Heat one gallon of …
how does this impact my state

Americans are finally getting on top of their finances, MintLife’s infographic explains, as average debt went down 14.3% and average cash savings increased 3.2% between February 2009 and February 2010. With more liquidity (cash minus credit card debt), consumers can finally come up for air after the Great Recession left many with significant debt. As consumers continue this trend living within their means, having bigger savings in reserve and less debt will better prepare consumers with stable, reliable finances in the event of another economic downturn or personal financial emergency. All in all, its good news for the economy and great news for each individual strengthening their personal finances.
Today’s roundup is a great collection of credit card information and debt reduction help. Check it out and keep climbing your financial obstacles!

Credit Card News

Extra insurance coverage through credit cards: use those perks suggests The Digerati Life.
Worried about your security shopping online? Read more about how to shop safely with a virtual credit card number, PT Money suggests, a good way to protect yourself while you spend online.
In the market for a new credit card? Check out Bankrate.com’s new guide on which credit cards offer the best benefits.
Is …
this is so true