http://www.isnare.com/?s=author&a=John+R.+Blakefield Finances John R. Blakefield Sun, 30 Apr 2006 00:00:00 +0800 http://www.isnare.com/?aid=47981&ca=Finances Many people use credit as a way to make purchases, cover their basis in an emergency, and take family vacations. This of course is ok, but when the debt gets completely out of hand is when one has to be careful and begin to analyze the financial situation. Many people get in over their heads and can... Finances John R. Blakefield Sun, 30 Apr 2006 00:00:00 +0800 http://www.isnare.com/?aid=47982&ca=Finances The mortgage industry is constantly changing keeping it almost impossible for the common person to keep up with interest rates, terms, mortgage programs, and the many choices for mortgage lenders. Employing the services of a mortgage broker or agent can greatly increase your chances of getting the b... Finances John R. Blakefield Sun, 30 Apr 2006 00:00:00 +0800 http://www.isnare.com/?aid=47983&ca=Finances Adjustable rate mortgages can be a great choice for first time home buyers. As opposed to a fixed rate mortgage, which the interest rate remains the same for the entire life of the loan, an adjustable rate mortgage changes according to an index rate, usually chosen by the mortgage lender. This index... Finances John R. Blakefield Sun, 30 Apr 2006 00:00:00 +0800 http://www.isnare.com/?aid=47984&ca=Finances There is so much information available to the first time home buyer both on and offline; there really is no excuse for the home buyer to not be educated when going into the mortgage buying process. However, it can be difficult to gather all the mortgage facts and terms into one easy to understand, c... Finances John R. Blakefield Sun, 30 Apr 2006 00:00:00 +0800 http://www.isnare.com/?aid=49470&ca=Finances Buying a home for the first time can be a little rattling, as it is a huge financial investment and responsibility that will stay with you for years. If you are not familiar with how to buy a home and get a mortgage, then use this information to get a little insight as to what a mortgage is, and how... Finances John R. Blakefield Sun, 30 Apr 2006 00:00:00 +0800 http://www.isnare.com/?aid=49471&ca=Finances Refinancing your mortgage can be a great decision for some homeowners. In fact, this is a great benefit of owning your own home. If your terms as the initial purchase of the property were not the best you could qualify for, and your financial profile has changed, then refinancing could cut down cons... Finances John R. Blakefield Sat, 29 Apr 2006 00:00:00 +0800 http://www.isnare.com/?aid=46931&ca=Finances A home equity line of credit is a great advantage for home buyers that renters do not have. You can take out some of the equity you have built up in the home, and use it for personal purposes. Many banks offer home equity lines of credit and it can be a great way to get some cash when you need it th... Finances John R. Blakefield Sat, 29 Apr 2006 00:00:00 +0800 http://www.isnare.com/?aid=46932&ca=Finances Mortgages tend to be complicated with varying interest rates, terms, numerous fees and conditions that can greatly impact the final outcome, or better represented by the money spent to borrow the money to buy a new home. There are financial advisors, mortgage lenders, loan officers, and other profes... Finances John R. Blakefield Sat, 29 Apr 2006 00:00:00 +0800 http://www.isnare.com/?aid=47155&ca=Finances Let's face it. Everyone makes mistakes. Mistakes can even be made with your mortgage lender or broker regarding your monthly payments. Although everything should be on record and generally automated, things can happen and the best thing you can do to protect yourself is track all payments. It is not... Finances John R. Blakefield Sat, 29 Apr 2006 00:00:00 +0800 http://www.isnare.com/?aid=47156&ca=Finances We are always trying to find ways to save money. We shop sales at the local department stores, use coupons at the local grocery store, and eat early bird dinners with the whole family. There are many small things you can do to save money in your daily life that can keep the expenses to a minimum, al...