http://www.isnare.com/?s=author&a=Brad+Stroh Finances Brad Stroh Mon, 26 Sep 2011 00:00:00 -0700 http://www.isnare.com/?aid=589364&ca=Finances When a debtor stops paying on a debt, a creditor will attempt to contact the debtor on the telephone and via the mail. When the number of days since the most recent payment reaches 120-180 days, the account is no longer considered current and the creditor is required by generally accepted accounting... Finances Brad Stroh Thu, 15 Sep 2011 00:00:00 -0700 http://www.isnare.com/?aid=579393&ca=Finances "Charge-off" is an accounting term used by creditors when they move a delinquent account from its accounts receivable books to its bad debt ledger. This usually occurs between 180 and 240 days from the date of your last payment. The fact that an account is charged-off does not mean the debt may not... Finances Brad Stroh Fri, 12 Aug 2011 00:00:00 -0700 http://www.isnare.com/?aid=550888&ca=Finances College and university graduates this year face a difficult job market, and their mortarboards come with a heavy debt burden, Freedom Debt Relief vice president Kevin Gallegos said this week, making it more important than ever that grads know how to handle their debt. Two-thirds of students graduate... Finances Brad Stroh Sun, 23 Aug 2009 00:00:00 -0700 http://www.isnare.com/?aid=401419&ca=Finances The recent problems with subprime loans will eventually affect all aspects of real estate. The real estate market is supported by all home owners, including those with subprime loans. A massive jolt in one sector (subprimes) affects those in other areas (prime loan holders). The reason the market wo... Finances Brad Stroh Wed, 19 Aug 2009 00:00:00 -0700 http://www.isnare.com/?aid=400450&ca=Finances In order for you to get the best mortgage-refinancing rate available to you, you will have to do a little research and a little math. Because it costs money out of pocket to refinance, it is only beneficial to you if you plan on staying in your home long enough to make up the difference between your... Finances Brad Stroh Sun, 16 Aug 2009 00:00:00 -0700 http://www.isnare.com/?aid=399155&ca=Finances Nobody ever intends to end up with bad credit. When you decide to consolidate your credit card debt and student loans or make home improvements and realize your credit is not what you had hoped, it can be a big blow. The good news is that you still have options. A secured loan or a loan secured agai... Finances Brad Stroh Sun, 16 Aug 2009 00:00:00 -0700 http://www.isnare.com/?aid=399157&ca=Finances The FHA loan insurance program was created to help first-time buyers get into homes. However, first-time buyers usually don't have 20% down payments and may have a spottier credit history. In order to provide protect taxpayers from paying for defaulted FHA mortgages, the loans include mortgage insur... Finances Brad Stroh Sat, 08 Aug 2009 00:00:00 -0700 http://www.isnare.com/?aid=395663&ca=Finances If you are considering taking out a secured loan against your home, two of your options are home loan mortgage refinancing with cash-out or home equity loans. Depending on your particular situation one may be better for you financially that the other. Cash-Out Refinancing A cash-out refinance is ref... Finances Brad Stroh Sat, 08 Aug 2009 00:00:00 -0700 http://www.isnare.com/?aid=396620&ca=Finances Today’s college students graduate with an average of $4,000 in credit card debt, in addition to student loans. While you’re in college, it’s easy to charge something or take out another loan without considering what it will do to your future budget, but you should. If you start learning debt managem... Finances Brad Stroh Thu, 06 Aug 2009 00:00:00 -0700 http://www.isnare.com/?aid=394414&ca=Finances The Federal Housing Administration is just one part of the government created system to keep the mortgage market and help homebuyers become homeowners. Although none make loans directly to consumers, each has a very important role to play and none could continue to operate without the other. The Fed...