Should I Float Or Lock

First, what does this mean you might ask? When considering buying or refinancing a home, consumers have the ability to lock their interest rate so that it will not change between today and the time the loan closes. Floating means a borrower will wait to see if interest rates will fall in hopes that they can get a lower interest rate when the loan closes. Both have some risk associated with them, so I'd like to help educate you on what to consider when making this important decision.

Financial Independence is Possible - Part II

If Financial Independence is your goal, this two part series gives you simple steps to achieve your goals. This is a practical, no nonsense way of reaching your dreams!

Term Life Insurance Or Whole Life Insurance - Which Do I Choose And Why?

I've had several people ask me what the real difference is between Whole Life Insurance and Term Life Insurance, and which is the best option for them. As much as I'm willing to help, the best that I can really do is explain the difference between the two and the pro's and con's of each type of policy.

Is Your Tax Preparer Stealing Your Identity

WATCH OUT! Your tax preparer may be stealing you identity. Many never suspect a seemingly professional business person or adviser of stealing and selling their personal information.

Bad Credit Loans For The Self-Employed

Being Self-employed can be an annoyance when you want to obtain financing. This is due to the fact that most traditional lenders are more comfortable lending to those that are employed because there is more predictability that way...

Government Grants Are Hard To Get, But When They Come

Yes, they are scarce and hard to get, but when they come, they are a great thrust to your business. Not panacea, but they direct you in the right direction and prepare you for an adequate small business administration.

Flipping The Switch To Retirement - Special Reports For Advisory Clients

Flipping the switch from a long career of hard work to finally getting to enjoy the quit life of retirement mode is not quite like that light switch in your bedroom. It is not even close to a black and white transition. And neither is handling your investment accounts during the change.

Are You Gambling With Your Pension Plan Choice

Selecting the best type of pension plan to participate in.

Investing Your Time Before Your Money

A few simple ideas, when understood fully, lead people down the road to financial independence and wealth. You need to understand the difference between and asset and a liability. You need to understand the difference between earned income and passive income. You need to understand the three basic cash flow patterns. Finally, you need to understand how your main focus in life ties it all together.

How To Make A Personal Budget, Track Your Expenses, And Save Money

You need to plan where you are going to spend your money and then follow your budget plan if you hope to ever gain control of your personal finances. Now it's easy to do both with this simple spreadsheet and easy-to-follow instructions.

The Idea Of An Entreprenuer

A few simple ideas, when understood fully, lead people down the road to financial independence and wealth. You need to understand the difference between and asset and a liability. You need to understand the difference between earned income and passive income. You need to understand the three basic cash flow patterns. Finally, you need to understand how your focus in life ties it all together.

The ABC's of Making Some Extra Cash

This article offers an alphabet of ideas on how to make some extra money. It also talks about ways to save money.

Do You Make These Mistakes With Personal Budgeting?

Spending habits, lifestyle, financial freedom and security are all topics close to everyone's heart. However, training to properly manage all these tasks successfully, has not been delivered consistently, so you are left to gain this knowledge on your own, often through trial and error. Learning about these common mistakes may keep you from going down the same path.