Is it Time to Refinance? Read this First.

Is it Time to Refinance? Read this First.

• Always make sure your refinance lines up with your long-term goals • Never pay for closing costs When was the last time you checked on your investments? If you’re like me, you herd your money like Blue Heeler cattle dog, and change course the moment something...

Betting on the Economy: How Bonds Drive Mortgage Rates

Betting on the Economy: How Bonds Drive Mortgage Rates

Buying a home is rarely a snap decision. Most people spend at least 18 months lurking on Zillow and going to open houses before ever calling a mortgage broker or REALTOR® — but by the time they do, they’re ready to move. Literally. But sometimes the market has other...

To Debt or Not to Debt: Which Makes Sense for You?

To Debt or Not to Debt: Which Makes Sense for You?

Which is better for you: Being completely debt-free, or having some debt and owning a home? Most people would probably prefer to be debt-free. But that’s a very difficult hurdle to overcome. Some will spend years clearing student loan debt, credit cards or car loans....

Confused About Rates? You’re Not Alone.

Confused About Rates? You’re Not Alone.

When my daughters ask me what I do all day, my answer is simple: I talk about rates. “But Daddy,” they ask, “isn’t that boring?” The answer is absolutely not. Rates are never, ever boring, especially when you’re looking for a loan....

Why 20 Percent Down May Not Be Your Wisest Move

Why 20 Percent Down May Not Be Your Wisest Move

You know how the conversation goes…   PERSON: “Thinking of thinking about buying a house.” OTHER PERSON: “Oh yeah, start saving for that down payment!” Or… FRIEND: “We’d like to buy a house.” OTHER FRIEND: “Are you looking?” FRIEND: “No, I need to save up...

Not the Same Old *#*#*# Newsletter

We hate dumb newsletters, which is why we refuse to send one to you. Instead, how about getting a tasty financial snack in your email? Smart, useful, funny, and mercifully short, our weekly tidbits help you become financially independent.