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Mortgage Market Guide Monthly:
2009
August, 2009
With so many benefits to take advantage of - from tax credits to low interest rates - people across the country are in the process of picking out a new home. Part of the selection process, however, is determining if that new home is in an ideal neighborhood for your family. The first article below can help you quickly search and select school districts that fit your family's needs.
Whether you're making a move or you're comfortable where you live, you'll want to read the second article. Instead of picking through your mail to remove the junk, the second article offers you resources to just say no to junk mail.
July, 2009
This month's edition is all about taking care of business around the house. For instance, the first article below
shares some tips and projects to help you "summerize" your home.
Speaking of your home, you're probably aware that home insurance premiums seem to cost you more each
year. But you may not have investigated how you can help cut those costs. The second article below provides
information to help you make smart decisions and get the most for your homeowners insurance money.
June, 2009
We all know that the economy over the last year has changed our financial and personal landscapes. In this month's edition of MMG Monthly - Views You Can Use, we focus on two of the most important aspects that many of us--or people we know--may be facing.
The first article below, describes how the historically low interest rates and today's economic climate have changed the mortgage process. In addition to explaining what's changed, we offer a few tips for making the mortgage process easier today.
And, for those people who have been hit by the tough job market or are looking for a new job today, the second article below provides job search tips for a tough market.
May, 2009
It's never too soon to start planning for the months ahead. For example, did you know that the government
instituted a new tax credit that may impact your withholdings for this year? The Making Work Pay article
below explains how the credit works and how you can plan right now to help make sure you don't have to
pay on your taxes at the end of this year!
Also, in the next few months, hundreds of thousands of people will travel to amusement parks across the
country. If a trip is in your summer plans, now's the time to start researching amusement park reviews
and safety information. The article below describes how you can read reviews and safety reports, as well
as get directions and plan your stay now, so you have the best experience possible this summer!
Apr, 2009
While the sunshine and fresh air feel terrific after the long winter, spring also means two yearly rituals:
taxes and cleaning! The articles below can help make those chores easier and more productive this year. For
starters, the tips for a larger tax refund describe deductions that may help you this year. After all, a dollar
saved is a dollar earned!
The other two articles in this month's edition can help you get your house in order. One article includes 10
tips to get a fresh start for spring... think of it as a checklist for your spring cleaning. In addition, while you're
cleaning, it's a perfect time to inventory your household items for insurance purposes. The final article below
describes how you can quickly take stock of your stuff using free software available on the Internet.
Mar, 2009
Over the past few weeks, we've seen the birth of unprecedented stimulus plans and legislation that impact the housing and home loan industries. The provisions of these plans could have huge implications for those who are considering purchasing or refinancing a home. The articles below provide an overview of some benefits of the Economic Stimulus Plan and the Homeowner Affordability and Stability Plan that may impact you.
The first article offers an easy-to-understand overview of two new initiatives introduced by the Obama Administration to help struggling homeowners. In addition, the $8,000 tax incentive article explains what the new tax incentive entails, as well as who qualifies for this benefit. Finally, the third article explains how you can take advantage of the higher loan limits that have now been extended!
Feb, 2009
The excitement and enthusiasm of the new year is fading as we enter February. Now, it's time to get down to work by looking ahead and being prepared...and the articles below can help!
For example, the first article below examines what it means to be prepared and breaks down some simple steps to help you prepare for anything. Once you understand the ins-and-outs of preparation, it's time to apply those principles to the coming year. The second article below can help you make sure you're ready for 2009, with a "to-do" list that will set you on the right course. Finally, since part of planning and preparing for the new year means making sure your important paperwork is safe, you'll also find insight and tips below about using a safe deposit box to safeguard your documents and valuables.
Jan, 2009
Happy New Year! As we head into 2009, it's the perfect time to make sure you start your finances off right in the new year. If you drive an automobile for work or charity, that means making sure you understand the new mileage rates for 2009 that were released by the IRS. The article below provides a brief summary of what's changing and why, as well as another option you have for calculating your driving deduction.
The beginning of the new year is also an ideal time to make sure your credit report is accurate. The second article in this edition sheds light on your right to a free credit report from each of the major credit bureaus... and how you can obtain it today. More importantly, it explains how you can stagger your reports so that you can monitor your credit throughout the year for free!
2008
Dec, 2008
The holiday--and shopping--season is in full swing! Often that means crowded stores and long lines as
you try to get the best deal on that hot new holiday item. But with
this article, you can save with online shopping.
So, you can avoid those long lines and still make sure you get the
best deals of the season... all without leaving the house!
Of course, this festive season and holiday shopping can overshadow one harsh
reality... the end of the year is near! That means this is your last opportunity
to make any adjustments to your finances before the new year begins. The article
below on end-of-year financial housekeeping provides a
short checklist of important items you should look at over the next couple of
weeks to make sure you're in a good financial situation as you head into 2009.
Nov, 2008
This month's edition comes as families across the country are getting ready to usher in the holiday season. In the first article below, we focus on an important holiday that is often overlooked by the department stores, but not by the American people
and the family members of those who have served and continue to serve in the armed forces. Veterans Day is Tuesday, November 11, and the article below describes one of the most recognized Veterans Day traditions.
Another well-known tradition of the upcoming holiday season isn't as welcome in the hearts and minds of the country. On the contrary, it lives more in our heads and chests. It's the common cold and flu, and it's about to jump into full swing. In the second article below, you'll find tips to stay
healthy, including steps you can take to help you make sure you're mentally and physically prepared to combat colds and the flu this winter season.
Oct, 2008
Better safe than sorry. This month's edition is all about protecting yourself! After all, if you
don't make sure your accounts and information are safe... who will?
And in today's hyper-technical world where everything from bank
accounts to business communications are available online, one of the
best ways to protect yourself is to make sure you
create strong, unique passwords. The article below describes the
characteristics of secure passwords and provides a step-by-step
formula for creating them.
Making sure your credit card accounts are safe is another important step to
protecting yourself. Especially, when you consider a new scam that criminals are
using to charge money on your accounts... even if your cards are safely tucked
in your wallet. Read the article below to make sure you know how to look for and
guard against this new credit card scam.
Sep, 2008
The best advice comes from the Boy Scouts... Be Prepared! That advice is especially important
this month, since The Department of Homeland Security has proclaimed
September National Preparedness Month. In the article below, you'll
find out how you and your family can prepare for emergencies with an emergency kit.
In addition to preparing for emergencies, you'll want to make sure you're
financially prepared. For example, the new Housing and Economic Recovery Act has
created a number of opportunities that can help you save on your mortgage. The Housing and Economic Recovery article below spells out the important
provisions that impact you, so you're prepared to get the best mortgage plan for your situation. Finally, you'll want to make sure you understand how FDIC
insurance works, so you can plan accordingly and protect your funds with FDIC.
Aug, 2008
Summer's on its way out... but before it leaves, it's sure to blast us with its rays of sun and those endless blue skies. That means, families and friends across the country will be getting in their last minute vacations and barbeques--while trying to beat the heat.
The articles below can help you make the most out of the last month of summer. The first article describes how you can stay cool while still saving on cooling costs. And for all those cookouts, barbeques, and get-togethers make sure you follow some simple tips for
summer food safety. Finally, if you're planning a last-minute getaway before summer fizzles out, you'll want to follow the advice on where to send your mail while you're gone.
July, 2008
The English poet William Ernest Henley once wrote: "Here is a promise of summer to be." Whatever promises your summer holds, the tips included can help you make the most of every minute--and every dollar--as well as help make sure everything goes off without a hitch.
For instance, do you know how to check for flight delays before you even arrive at the airport? Need to rent a car during your vacation? What's the best way to comparison shop for car rental prices and take advantage of special offers? The answers are actually quite simple. The article below is filled with
tips to help you avoid frustration when you fly the friendly skies. And, when it's time to hit the road, the second article below can help you save money on a rental car.
June, 2008
Plastic Makes it Possible... That's right, the slogan used by plastic producers now extends way beyond bottles and bags. These days, it's hard to imagine making a purchase without some form of plastic--from credit cards and debit cards to gift cards.
The articles below can help you manage--and make the most of--your finances using credit cards and gift cards. For instance, you'll discover how retailers across the country are putting together gift card incentives and special offers to help you get even more out of your Economic Stimulus Plan check. In addition, you'll learn how your credit card's interest rate may rise... even if you've made all your payments on time. But have no fear... the credit tips
below can help you avoid those sudden interest hikes.
Remember, just about every one carries plastic in some form--so is information will likely be of interest to your friends, family members, and coworkers. Please feel free to forward it on to someone you know. And call or email if you need any assistance with your finances or mortgage at this time.
May, 2008
Did you know that the US Postal Service is raising postage rates this month? Before you get too discouraged, take a minute to read the article below on postage rate changes — you may just find some surprising ways to save!
Of course, postage rates aren't the only thing on the rise this season. Gas prices have recently set a new high-water mark... and we haven't even hit the summer driving season yet! But you don't have to grin and bear it! The gas saving tips below can help you drive farther on each tank of gas--so you can fill up less and save more!
Speaking of driving, if you or someone you know will be in the market for a new car this summer, you'll want to weigh the options of buying versus leasing before you drive off the lot.
April, 2008
Spring is officially here and with it comes warmer weather... longer days... and your Economic
Stimulus Package tax rebate! Do you know when to expect yours? The
tax rebate article below can help you figure out when you'll
receive your money. And it provides you some insight into how you can
help make sure you get it sooner rather than later!
While you may have to wait a bit for your rebate, the
car wash tips below can help you save cash today. The article breaks down
the best way to keep your car shining like new and preserving your resale value,
while saving money by not paying for unnecessary car wash features.
March, 2008
That's right... we're smack dab in the middle of tax season. And while many of us may be overwhelmed and looking for help, you need to make sure you don't fall victim to "phishing" traps during this confusing time of year. The tax "phishing" article below explains how criminals who want your personal information use tax season to prey on unsuspecting individuals.
Speaking of taxes... you've probably heard a lot about the tax rebates in the new Economic Stimulus Plan. But you may not know how much to expect--or what you should do with the money once it comes in. The tax rebate article below can help you plan ahead to make a smart decision!
February, 2008
Ok...ok...maybe they're only "free" for identity thieves, but the Tax Man's a different story! Have no fear. The tax tips below can help you get through the process quickly and efficiently...and get to the real good news: a completed 2007 tax return!
Speaking of returns, how about returning a little peace of mind to your life? Did you know that more than 15 million people fall victim to identity theft each year? The article below can help you put a freeze on thieves that are looking to steal your identity.
January, 2008
The new year always feels full of potential and opportunity. It's as if the slate has been wiped clean and anything is possible.
As most of us are setting goals and making resolutions, now's the ideal time to make sure you're making sound money decisions in 2008. For instance, the article below can help you make healthier financial decisions for you and your family. In addition, the retirement saving tips below can help you make sure you're prepared for all of the new years to come!
2007
December, 2007
The holiday season is in full swing! While the shopping lines may be getting longer, there are a few ways for you to give this season without standing in line first. For instance, you don't have to stand in line to give yourself the gift of year-end savings. Just make sure that you don't get caught in a
Mutual Fund tax trap. The article below can help.
This is also the time of year when many people plan or purchase tickets for their winter vacation. If you're planning a trip abroad, the
travel tips below can help you make sure everything runs smooth.
Have a safe and happy holiday season.
November, 2007
Tick. Tick. Tick. Those little hands on the clock have a habit of going unnoticed, don't they? But add 'em up
and pretty soon days, weeks, even seasons have passed. But the article below can help you turn back the
hands of time...literally! That's right, those long sun-shiny days are about to end, as the sun sets on this
year's extra long Daylight Savings Time.
The hands on the clock aren't the only timing you need to watch. Believe it or not...you can actually save
money on everything from furniture to airline tickets just by shopping at the right time! The shopping tips
below can help you time your purchases to perfection!
October, 2007
The school year is officially underway and students across the country have already settled in--just as
countless of generations have before them. But if you take a peek in their backpacks, you'll see that today's
students prefer notebook computers to spiral notebooks and text messaging to passing notes. These changes
also mean new challenges for parents.
To make sure you...and your computer...are ready for the new school year; take a minute to read the article
below about backing up computer data--such as important school papers, priceless family photos, and more.
And, if you know a teen or preteen who has been begging for a cell phone, don't miss the tips below about
selecting a cell phone plan that fits the family's specific needs.
September, 2007
The old saying may not be so true after all! In reality, the "deal" is in the details! For example, you probably know that the Federal Reserve recently changed the discount rate. But with all the rumors floating around in the media, the impact may not be very clear. The discount rate news below cuts through the nonsense and gives you an easy-to-understand overview of the info you need to know.
You'll also find invaluable information below about avoiding ATM fees! Those "little" fees that you pay at the ATM machine add up fast. But times are changing...and some banks aren't charging fees at all! Read the ATM
tip below to find out how you can save.
August, 2007
So much depends on how others see you...especially when they're making decisions about your career and credit! For instance, whether you're thinking of making a career move in the near future or in the next few years, you need to pay attention to your online image. After all, potential employers do!
And Google searches aren't the only thing you have to be wary of. Banks and lenders only need to look at your credit score to form an opinion of you. The credit score article below can help you make sure you're taking the RIGHT steps to improve your score.
July, 2007
VACATION ALL I EVER WANTED... But will your home and your sensitive information be safe while you're away? Now you can make sure they are!
With the quick mail tip below, you can ensure your bank statements and bills don't end up in the wrong hands! You can also protect your home and everything in it...and avoiding falling prey to a hotel credit card scam by reading the articles below.
June, 2007 **
May, 2007
TIME STANDS STILL FOR NO MAN, WOMAN, OR CHILD. And neither does inflation. In fact, every year the
costs associated with higher education shoot up an average of 5%. So make sure you plan ahead. The article
below includes important tips to help you get started-including how your mortgage can help cover your child's
college expenses.
College isn't the only thing that'll cost you in the future. Did you know that nursing homes cost about $70,000
a year? Worse yet, Medicaid doesn't kick-in until your assets are used up. If you or someone you know is
planning on leaving even a modest inheritance, you'll want to read the article below!
April,2007
The headlines are once again full of news from the mortgage and real estate front...and this time, the
"sub-prime meltdown" is taking center stage, referring to a certain type of home loan which is currently
experiencing heavy rates of default and foreclosure, and what the potential consequences might be for the US
economy.
Although sub-prime lending only represents a very small portion of home loans overall, the doom and-
gloom-loving media is enjoying it, busy forecasting a financial disaster for the economy. While this is a bit
overblown, there certainly will be some ramifications - so this issue breaks down what it all means, how this
may impact you, and what you should be doing right now - and don't forget to forward on to family, friends
and coworkers as well.
March, 2007 **
February, 2007
Good news - its tax time! Oh...you mean you don't enjoy gathering all your financial records and tax
documents? OK, so most people don't - but the tips below will help you get through the process quickly and
efficiently, and get to the real good news - a completed 2006 tax return.
Speaking of your return, did you
know that you are likely due a little extra refund this year? As it turns out, every single time you've made a
long distance phone call, you've been hit with an "excise tax", originally designed to help support the
Spanish American War - which was only six months long and ended over a hundred years ago! That tax is
finally being laid to rest, so be sure to read on and learn how you get your refund! And one more bit of good
tax news, as many of us find ourselves in the position of helping our parents as they grow older. Living
arrangements are often a topic of discussion, and may include the possibility of living with us. This month's
issue highlights an important tax break for this increasingly common situation.
January, 2007
It's a New Year...and already our thoughts must turn to collecting documents for tax time. But what better
time to learn how you and your loved ones can pocket some extra money this year with two interesting tax
tips? First, if you have a tax refund coming this year, be aware that you actually lent your good friends at the
IRS your own money...interest free. Uncle Sam sure wouldn't do the same for you, so don't miss this strategy,
which shows you how to keep your hard earned dollars right where they belong...in your own wallet.
And
next, big news from Capitol Hill, as Congress passed a groundbreaking law in the waning hours of their 2006
session...making Mortgage Insurance potentially tax deductible. This is news that will help thousands of
Americans in the coming year, so don't miss this important article with all the details.

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