http://www.isnare.com/?s=author&a=Bill+Riley Finances Bill Riley Wed, 14 Feb 2007 00:00:00 +0800 http://www.isnare.com/?aid=125562&ca=Finances We are living in a society of consumerism. Prices skyrocket, demands multiply; the only thing that remains static is your income. How to survive in a consumer society keeping a control of the expenses? Personal finance is all about planning your finance. You need to keep a budget in every step of y... Finances Bill Riley Wed, 14 Feb 2007 00:00:00 +0800 http://www.isnare.com/?aid=125563&ca=Finances You can opt for refinancing your mortgages for various reasons. If you wish to reduce the monthly payments on your mortgage or if you wish to borrow more money from your mortgage, refinancing would be a better option. People often choose refinancing option when the interest rates fall than the previ... Finances Bill Riley Thu, 08 Feb 2007 00:00:00 +0800 http://www.isnare.com/?aid=123712&ca=Finances It is a pleasant experience to own a house that you had dreamed for long. What if you feel burdened of the loan? How does it become a burden on you? The main reason for not being able to pay off the mortgage on time is the lack of financial planning or the choice of the wrong mortgage. While choosi... Finances Bill Riley Thu, 08 Feb 2007 00:00:00 +0800 http://www.isnare.com/?aid=123720&ca=Finances Debt to income ratio is the ratio between your monthly expenses and your income. Before sanctioning a mortgage for your house, the lenders normally calculate the debt to income ratio to work out your eligibility for the mortgage. The ratio is measured against two qualifying numbers 28 and 36. Higher... Finances Bill Riley Thu, 08 Feb 2007 00:00:00 +0800 http://www.isnare.com/?aid=123722&ca=Finances Checking Accounts are operated mainly for making purchases and for paying bills. Savings accounts on the other hand, help you save money for your future. Though many banks lure you with attractive offers and freebies, you have to be careful not to choose the account merely on the basis of the benefi... Finances Bill Riley Thu, 08 Feb 2007 00:00:00 +0800 http://www.isnare.com/?aid=123723&ca=Finances A money market account (MMA) is a kind of savings account offered by banks and credit unions. The difference between the normal savings account and the money market account is that the MMA offers higher interest rates. However, the money market account requires a higher minimum balance than the norm... Finances Bill Riley Thu, 08 Feb 2007 00:00:00 +0800 http://www.isnare.com/?aid=124038&ca=Finances The New Year gives a lot of hope to those who are interested in applying or refinancing a mortgage loan. With interest rates fallen on an average by 0.8% from last year, this is the best opportunity to think about mortgaging your house. The comparative rate last year was 7%, which now has been reduc... Real Estate Bill Riley Sat, 20 Jan 2007 00:00:00 +0800 http://www.isnare.com/?aid=118687&ca=Real+Estate Going for your dream-house hunt may turn to be a nightmare if you do not take precautions. The precautions are nothing but the awareness of the real-estate market and about yourself. The following step-by-step processes will take you to the right hunt. Know your affordability This is a key factor th...