The Truth About Home Equity Loan Refinancing
Many folks are now considering Home Equity Loan refinancing as a way to help their financial stress caused by steep mortgage payments and high interest rates. Perhaps they want to use the proceeds for debt consolidation, vacations, purchasing a new car, home improvement and more.
What is your home equity? It’s simply the difference between how much your house is worth according to the latest appraisal and how much you still owe the bank. Your home equity increases over time as you pay down your mortgage and as the value of your home appreciates. The value of your home is based on a professional appraisal and takes into consideration the condition of your home, the neighborhood, the type of property, size, land evaluation, taxes other loans and services, and the current market value. Home equity loan refinancing will depend upon the increase in equity to determine how much money you can borrow.
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In Solving the Money Puzzle, you’ll discover:
- How to take control of your finances easily and instantly
- How to get your personal finances organized simply and effectively
- How to stop the money leak that comes from misusing your credit cards
- How to budget effectively (and no, this doesn’t mean you have to live like a pauper)
- How to plan for your future efficiently
- How to put your money to work for you by investing sensibly
- How to avoid common investment mistakes
- How to plug other common money leaks that are draining your resources
Don’t worry, you don’t have to know complicated accounting terminology or mathematical techniques to use this book. It’s written in plain language and requires only simple arithmetic. We also give you an extra bonus, a set of budget and planning worksheets you can use right away.
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Carnival of Debt Reduction #64
Welcome to the Carnival of Debt Reduction for December 4, 2006. Thanks for stopping by. I’m very pleased to be hosting the Carnival for the first time here at Necessary Virtues Personal Finance.
In reading this week’s submissions I found many to like, and two that really stood out. They are hereby awarded the Necessary Virtues Order of Merit for outstanding contribution:
- Mark Shead’s outstanding piece on The Debt Mindset from Debt Consolidation. It begins provocatively:
“Many people just expect to be in debt. It is part of their world view…”
- The current installment of Erek Ostrowski’s invaluable series, Getting Out Of Debt (Part 2) from Verve Coaching. I look forward to the next article.
Here are all those that made the cut listed in mostly chronological order, with a little treat at the end. Enjoy!
Matt Hutter kicks it off with tips on How To Avoid Using Credit Cards and the benefits of purchasing with cash rather than plastic.
Next is a timely seasonal offering from Ririan with 20 Fabulous Tips To Holiday Spending that range from proper planning to debt avoidance to identity theft protection.
From Andy at Money Walks comes 5 Reasons why people are in debt, including a wake-up call for university students to graduate debt-free.
Andy Boyd offers us a refreshingly honest and direct look at his personal finances and his plans for getting out of debt in My Credit Card Debt Repayment Plan. This is a valuable contribution in that it’s all practice and no theory.
Next we have a great series of tips from Joe Caterisano on How to save money. He points out that small changes in our behavior can reap large benefits.
From Free Money Finance comes How to Pay Off a Boatload of Debt Quickly, a helpful, concise summary of an article originally published on MSN MoneyCentral.
Mark Shead contributes a very thought-provoking piece on The Debt Mindset. He points out how much our lives are influenced by our past experiences and our present associations. Highly recommended, particularly for anyone who has struggled to change their behavior in relation to money and debt.
From Waller we have a wonderfully passionate and practical article on Reducing Debt With A Snowball. If you’ve been making minimum payments on your credit cards, you have to read this!
Erek Ostrowski continues a valuable series with Getting Out Of Debt (Part 2). This installment is all about making detailed plans to achieve specific goals that contribute to your overall goal. The most important part? Follow your plan!
Trent tells us that debt has driven him to some pretty desperate measures in the past, including surviving for a month on only $10 worth of food. He gives us twenty tips on how it can be done in Nourishment on a Desperate Income.
From Steve Faber we have Debt Elimination Scams to Avoid - You’ll Just Pay Twice, which gives details of two scams that prey on desperate debtors.
The next article is really a call for discussion from Ben, who asks What was the World Like Before Credit Cards?. You can post your answers on his blog.
Jim clarifies a distinction that many find mysterious in Student Loan Deferment vs. Forbearance. If you have a student loan, make sure you know the difference.
From the Prince of Thrift we hear that the worst of the worst get the Lemon Award for Bad Banking, and the finalists are… Lemon Award Finalists Named on CreditCard.org’s Website.
Next Sagar Satapathy presents a comprehensive set of 101 Financial Tips you Never Learned in High School (but should have). Be sure to read all the way to tip 101!
Joe Caterisano returns with What is a FICO score?, offering a concise guide to the factors that comprise your FICO score.
Henry of Binary Dollar continues his personal chronicle with The Race to $0: December 2006 Net Worth (+$3,284). He continues to retire his student loan while adding substantially to his retirement savings.
No Credit Needed contributes this Sure-fire Debt Reduction Process. It’s simple and it actually works. You just have to be willing to follow it.
And to round off this week’s offerings, we have a humorous Ode To Prosperity from Madeleine Begun Kane.
Next week’s host, on December 11, is Blunt Money. Thanks for visiting, and happy holidays to all!
Top 7 Reasons You Need a Budget
1. A budget is a roadmap. It is a useful tool and guide. It tells you whether you are headed in the direction you want to be headed in financially. It helps you to move from spending on a whim to saving and financial planning. If you don’t have a roadmap for reaching your goals and desires, then you can’t even measure your progress and you are unlikely to succeed. Would you ever find a major corporation that operates without a budget? No. Neither should your family.
2. A budget empowers you to take control of your money instead of letting your money control you.
3. A budget can improve your marriage. The number one cause of marital strife is money. Your budget is a neutral tool to help you and your spouse communicate rationally about money. It can help to give you a common purpose and to minimize arguments about money.
4. A budget helps you prepare for emergencies. The top causes of bankruptcy are sudden unanticipated expenses or job loss. When you have an emergency fund, you are much more likely to get through a situation that would otherwise sink your financial ship.
5. A budget makes money available so that you can use it on the things that really matter to you rather than impulse purchases.
6. A budget can help get out of debt or stay out of debt.
7. A budget gives you peace of mind. You won’t lie awake at night due to worry about your finances.
Solving the Money Puzzle - Free Edition
Personal Finance Made Simple
Is money management a puzzle to you? Ask yourself:
- Are you satisfied with how you manage your money?
- Are you paying all your bills on time?
- Do you have enough left over for luxuries and vacations?
- Are you saving systematically for your future and your children’s future?
If you answer “no” or you’re in doubt about any of these questions, then you need this book!
You know, it’s not how much money you make that’s important; it’s how much you keep. You’d be surprised how many executives with six-figure annual incomes are deeply in debt and living hand to mouth, with nothing left at the end of the pay period. On the other hand, there are those low-key employees who have everything they want and a million dollars saved for retirement. It’s all in how you manage your money.
Think of the money you’ll save by using just one of the tips in this jam-packed book! The special free excerpts edition contains chapters one and two of the original, plus the entire special resources Appendix. Click here or click the image below to download the special free excerpts edition now!
In Solving the Money Puzzle, you’ll discover:
- How to take control of your finances easily and instantly
- How to get your personal finances organized simply and effectively
- How to stop the money leak that comes from misusing your credit cards
- How to budget effectively (and no, this doesn’t mean you have to live like a pauper)
- How to plan for your future efficiently
- How to put your money to work for you by investing sensibly
- How to avoid common investment mistakes
- How to plug other common money leaks that are draining your resources
Don’t worry, you don’t have to know complicated accounting terminology or mathematical techniques to use this book. It’s written in plain language and requires only simple arithmetic.
How much would you expect to pay for a book that can put more of your money into your pocket every month? Well, it’s a lot less than you think! You may have seen similar books elsewhere for $27.00, $37.00, even $47.00. No, our price isn’t even $17.00. This special excerpts edition is absolutely free! So download it now and get started on the road to solving your own personal finance puzzle.
You can have the free excerpts edition of Solving the Money Puzzle immediately. Download it any time of the day or night.
Solving the Money Puzzle
Personal Finance Made Simple
Is money management a puzzle to you? Ask yourself:
- Are you satisfied with how you manage your money?
- Are you paying all your bills on time?
- Do you have enough left over for luxuries and vacations?
- Are you saving systematically for your future and your children’s future?
If you answer “no” or you’re in doubt about any of these questions, then you need this book!
You know, it’s not how much money you make that’s important; it’s how much you keep. You’d be surprised how many executives with six-figure annual incomes are deeply in debt and living hand to mouth, with nothing left at the end of the pay period. On the other hand, there are those low-key employees who have everything they want and a million dollars saved for retirement. It’s all in how you manage your money.
Think of the money you’ll save by using just one of the tips in this jam-packed book! Click here or click the image below to order securely through PayPal now!
In Solving the Money Puzzle, you’ll discover:
- How to take control of your finances easily and instantly
- How to get your personal finances organized simply and effectively
- How to stop the money leak that comes from misusing your credit cards
- How to budget effectively (and no, this doesn’t mean you have to live like a pauper)
- How to plan for your future efficiently
- How to put your money to work for you by investing sensibly
- How to avoid common investment mistakes
- How to plug other common money leaks that are draining your resources
Don’t worry, you don’t have to know complicated accounting terminology or mathematical techniques to use this book. It’s written in plain language and requires only simple arithmetic. We even give you an extra bonus, a set of budget and planning worksheets you can use right away. (Be sure to check your email after completing your purchase for information about how to claim your bonus.)
How much would you expect to pay for a book that can put more of your money into your pocket every month? Well, it’s a lot less than you think! You may have seen similar books elsewhere for $27.00, $37.00, even $47.00. No, our price isn’t even $17.00. It’s just $7.95! So order now before the price goes up and while we’re still including the free bonus worksheets.
You can have Solving the Money Puzzle immediately. Download it any time of the day or night as soon as you complete your secure purchase through PayPal.
Not quite ready to buy today? You can download the special excerpts edition absolutely free. What are you waiting for?
Download the special excerpts edition or order the full edition now. It’s for your financial future and peace of mind.
Your Success Is All in Your Mind
by Steve Diamond
What is success?
The dictionary defines success as “the achievement of something desired, planned, or attempted.”
So you must decide for yourself what success is, depending on what you seek in your life, your relationships and your career. If you’re an athlete, success can mean obtaining that gold medal. If you identify yourself as a parent, success can mean raising children with good moral values. For a doctor, success can mean relieving pain or saving a life. To many of us success means a job promotion or acquiring wealth. It depends on your perspective and how you perceive yourself and your life.
You are the only one who can judge your success. If you try to achieve success according to someone else’s standards or society’s standards, you will never be satisfied that you have achieved it.
Yet even when we know that we define our own success, we often seem to fail. We feel dissatisfied, empty, tense. Our minds are not at rest, not peaceful, not harmonious. Our thoughts are full of “if onlys.” You know what they’re like: “If only I had more money, I would be happy.” “If only I could lose 20 pounds, my life would be perfect.”
What’s the difficulty? Are we setting unrealistic goals? Maybe, but that’s not really the problem. Are we not trying hard enough? Usually that’s not a factor either. What is it? Us! We are our own worst enemy. “We have met the enemy and he is us,” as Walt Kelly, creator of Pogo, famously wrote.
How do we sabotage our success, undermine our goals, subvert our desires? Through the largely unconscious programming of our minds. That’s the whole answer in a nutshell. It’s our thoughts, the thoughts we allow to parade through our heads and invade our subconscious. When we can learn to change our thoughts, then our success is assured.
Your mind didn’t come with an instruction manual. You were given a lot of instruction by your parents, your teachers, your friends, by books, movies, TV. But did any of it tell you how to control your thoughts? Did it tell you how to program your mind?
You do have the power to change your life if you want to. You do have the power to achieve the goals you set for yourself. But you won’t succeed if you don’t learn to control your mind first.
The seat of power in your life is your unconscious mind, the mind that works 24/7 on whatever program you have set for it. You set these programs by empowering your thoughts with vision, expectation, belief and desire. Before anything that you wish for can happen, you must envision it clearly, desire it, believe deeply that it will happen, and expect confidently that it will happen.
The unconscious mind will act based on your ability to program it. You constantly send your unconscious information and messages, whether you think so or not, but many of the messages tend to be negative (”if only”). When you think “if only” you tell your unconscious that you are not a success, that you are in a state of lack and limitation.
So be very careful of your thoughts, beliefs and actions. If you worry about not having enough money, you are programming your mind for lack. If you worry that you can’t accomplish your goals, you are programming your mind for failure. If you believe you haven’t the opportunities you need to get ahead, you are programming yourself not to recognize them when they appear.
Why? The unconscious mind is constantly working on the information that you have sent, and negative information yields negative reality. As the computer geeks say, “Garbage in, garbage out.”
You can have success; you can change your life. But you must change your mind first.