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Is Overdraft Protection Worth the Costs?
Overdraft protection is a policy where a bank allows you to spend more money than you have in your account in exchange for a fee. Some consu...
Question asked by Neil in Santa Monica, CA  Financial Planning
Answered by Michael Hoffman, RFC, CLU, ChFC, Financial Advisor in Grass Valley, CA
Neil, Liquidity is the key and preservation of capital. If you have some funds that you will be using for your 3rd, 4th and 5th years in school you may want to use a...
Question asked by Kelly in null, null  Budgeting
Answered by Alex Bentley, Financial Advisor in Pacific Palisades, CA
I would have them become involved in making smart choices with their and your money. If it is a smaller item, tell them they need to pay with their own money. If it ...
Question asked by an anonymous user in rockwell city,Iowa  Mortgage Brokers & Lenders
Answered by Brandon Hambright, Mortgage Broker in Daphne, AL
I would start by asking for detailed transaction history from this lender. This way you can see how the funds received are distributed.
Question asked by Maria Mapoy in Las Vegas, NV  Mortgage Refinance
Answered by Mike
Absolutely yes. You are cutting your term in half and lowering your rate to boot.
M
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Question asked by an anonymous user in jonesboro ga  Financial Planning
Answered by Alex Bentley, Financial Advisor in Pacific Palisades, CA
I suggest looking at the target date retirement funds at the major mutual fund companies. You could either just invest in one of these funds or use them as a guide for...
Question asked by an anonymous user in San Francisco  Financial Planning
Answered by Alex Bentley, Financial Advisor in Pacific Palisades, CA
This country has made a revolutionary shift from pensions to a self-service retirement model (401Ks, IRAs, etc). The average baby boomer has not yet fully adjusted to...
Question asked by Joyce in Washington, DC  Other Investments
Answered by Chad Freeman, Mortgage Broker in Rockville, MD
Hi Joyce: First, it's very nice to be able to answer a question for someone right here in my backyard (DC)! Real estate investing can be both very challenging and v...
How This Housing Index Affects You and Your Home's Value
The Case-Shiller Home Price Index is a primary source for tracking changes in residential home prices in the US. It was developed in the 198...
Do Energy Gains Outweigh Environmental Risks?
You may have heard the term “fracking” used in relation to a new source of energy, but you aren’t sure exactly what it is — or more importan...
How Homebuyers Can Beat the Competition
The US housing recovery has paused so far in 2014. Yet bidding wars remain common in specific markets and price ranges where a shortage of i...
Question asked by PATRICK STEVEN BARANICK in LONGVIEW, WASHINGTON - 98632  Mortgage Refinance
Answered by Chad Freeman, Mortgage Broker in Rockville, MD
Hello Patrick: It would appear that the list you have provided are not mortgage companies, but rather different names for the HARP refinance program. "HARP" stands ...
More Results from Our Exclusive MoneyTips Survey
Do you do your own financial planning, or do you seek the help of a professional financial planner? It is possible to do it capably yoursel...
Protecting Your Substantial Higher Education Investment
If you are an average American with kids in college, the cost of sending each child though a four-year program may be more than what you pai...
What are these Quasi-Government Companies and Why are they Important to You?
Fannie Mae (the Federal National Mortgage Association) and Freddie Mac (the Federal Home Mortgage Corporation) exist to provide liquidity fo...
Insuring Your Home on Wheels
Mobile homes require a different type of insurance policy from traditional homes because of the different risks involved. First, it is i...
Question asked by pat in Coventry, RI  Mortgage Refinance
Answered by Chad Freeman, Mortgage Broker in Rockville, MD
Hi Pat: Yes fortunately you do have some options. If you are looking to refinance, the first option I would recommend is to look into the HARP program. This is a Fa...
Question asked by Mike in Fort Bragg Ca.  Home Purchase Loan
Answered by Chad Freeman, Mortgage Broker in Rockville, MD
Hello Mike: My recommendation would be to start with a lender referral from someone that you know. Perhaps a family member or a friend that has worked with a partic...
What you Need to Know about Insuring various types of Investment Property
Written by Nancy Greenwood, Insurance Agent in Methuen, MA
Is This Auto Insurance For You?
If you do not drive frequently, why should you pay high premiums for your car insurance? Believe it or not, car insurance companies agree wi...