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The easy way to avoid early pitfalls on the road to financial successA little money and a little time is all that's needed to lay a strong financial foundation for today and the future. And starting sooner rather than later is the smartest thing you can do when it comes to protecting your financial future.If you're in college or enjoying your twenties, Personal Finance in Your 20s For Dummies cuts to the chase, providing you with the targeted financial advice you need to establish a firm financial footing as you work your way through school and the post-graduation years.Advice on paying off student loans, managing debt, and creating a solid pathway to financial successInvesting strategies for young investorsOther titles by Tyson: Personal Finance For Dummies, Investing For Dummies, and Mutual Funds For DummiesIf you're looking for sound, reliable advice on how to make smart financial choices in the real world, Personal Finance in Your 20s For Dummies has you covered.
The crucial information you need to secure a reliable loan modification and save your homeBehind on your mortgage payments? Worried about losing your home? Don't panic. Loan Modification For Dummies gives you the reliable, authoritative, easy-to-understand guidance you need to apply for and secure a loan modification that lowers your monthly house payment and keeps you in your home. This practical, plain-English guide leads you step by step through the loan modification process, from contacting your lender to applying for a loan modification, evaluating the lender's initial offer, and negotiating a modification that lowers your monthly payment while helping you catch up on any past-due amounts. You'll learn how to communicate with your bank or loan servicer, recognize and avoid loan-modification scams, and find a knowledgeable loan modification specialist, if you choose not to do it yourself.Advice on determining whether you're likely to qualify for your lender's loan modification programGuidance on preparing and submitting a loan modification application that improves your chances of successHelps you figure out a monthly payment you really can affordTips on modifying your loan even when you owe more than your home's current market valueNegotiation advice for securing the best possible terms and lowest monthly paymentResources for contacting your lender, obtaining free or affordable third-party assistance, and getting government agencies on your sideRead Loan Modification For Dummies and start saving your home today.
With mortgage stories dominating the front-page news, people - whether they're buying a new house or refinancing - increasingly have questions about the complicated issues at stake. Arranged in an easily accessible question-and-answer format, "Mortgages 101" provides readers with essential lending formulas, as well as important information on lending requirements and application procedures. This revised edition includes up-to-date material on new loan and government programs, changes to the law regarding tax deductions, down payment assistance, bankruptcy, and more - in short, all the answers readers need, in one must-have reference.
As the cost of a college education continues to increase at a rate of about 9% annually—nearly three times the rate of inflation—more and more college students are taking out loans to cover tuition, fees, and other expenses. Median undergraduate student loan debt is currently close to $20,000, and graduate students end up with an additional $32,000 in debt upon graduation. Pile on thousands more in credit card debt, and many college students today graduate with massive financial burdens that they are not prepared to handle. In Zero Debt for College Grads, noted personal finance expert Lynnette Khalfani provides a thorough roadmap for stress-free living that will allow recent graduates to focus on their burgeoning careers while navigating the ups and downs of their financial responsibilities. ""Zero Debt for College Grads,"" by Lynnette Khalfani, puts into plain English what many recent college graduates need to hear: lay off the credit cards and expenses and be a bit more realistic with your lifestyle. --The New York Post
Finding the right home can be easy. Finding the right mortgage-one you can afford-can be a challenge. You need to arm yourself with the latest information so you can make the right decision for you and your family, especially in the current housing market. In plain English, finance expert Lisa Horton shines a light on the confusing world of points, interest rates, and credit scores. Whether you're buying your first home, trading up to a larger one, or buying a rental property, you'll find all you need inside. Learn how to:Save for a down payment and prepare to borrowUnderstand credit reports and credit scoresDeal with banks, mortgage brokers, and online lendersRefinance a mortgageThe Everything Mortgage Book teaches you how lenders work, how different kinds of loans are structured, and what they're best for. You'll also learn which mortgage practices and loans you should avoid. Whether you have a great credit history or a poor one, you'll be able to get the best loan for your most important purchase-your home.Lisa Holton is the author of How to be a Value Investor, The Essential Dictionary of Real Estate, and the Encyclopedia of Financial Planning. She is a contributing writer for the Financial Planning Association on consumer finance and retirement planning issues. Ms. Holton heads the Lisa Company, a writing, editing, and research firm. She lives in Evanston, IL.
Graduation Debt is different from the competition because it provides a step-by-step road map for effectively managing student loan debt and having a successful financial life. Yet, it’s completely positive. The focus is less on sacrifice and more on not wasting money, so readers can live better lives while paying off debt. The book's content is divided into small subsections geared toward those neck-deep in student debt. The brevity of each section makes the book digestible to those who aren’t inclined to focus on their finances. Readers are encouraged to take action steps such as finding long lost student loans that may have gone into default, discovering payment plans they can afford, consolidating loans when it makes sense to do so, saving money on eating out and groceries, improving credit scores, tweaking their debt-to-income ratios that's needed to buy a home, discussing their student loan and non-student loan debt with their significant others. By the end of the book readers will be on the road to managing all their debt and having extra money for vacations and other fun stuff, too. How to Miss Student Loan Payments Without Hurting Your Credit Amazon-exclusive content from the author Worried your credit will take a nose dive if you miss federal student loan payments? Your credit won’t be dinged if you call your loan servicer and qualify for a temporary payment reprieve. What steps do you need to get approval for an excused absence from making payments? 1. Write down your monthly expenses and your monthly income on a piece of paper. Your loan servicer is going to want to know why you need a break from student loan payments. 2. Peruse the Department of Education’s or your servicer’s Web site to see if there are special reasons you might qualify for a payment break such as military service or you’re returning to school. You’ll find the words forbearance and deferment. These are the terms used for an approved temporary break from payment. The difference between the two is that in deferment the government will pay the interest charged until your deferment expires. 3. Write down circumstances that apply to you that you found on the same piece of paper as your finances. 4. Find the contact information for all your student loans. If you don’t have your paperwork for all your loan servicers, contact the department of Education or pull up your loan list by logging in to the National Student Loan Data System Web site. 5. Click on each loan that shows a balance in the Outstanding Principal column. Scroll down to the contact chart and write down the name of your servicer and the contact number. Repeat for each loan on which you still have a balance. 6. When you call each of your servicers, tell them you need either a deferment or forbearance. Then tell them your circumstances as to why you need a payment break. There may be a brand new type of forbearance or deferment that may work better for you. 7. Don’t accept more time than the maximum you could need at once, especially if you qualify for forbearance instead of a deferment. Why? Your interest still accrues if you are granted forbearance. For example, let’s say you have $60,000 in student debt at a rate of 5 percent. You decide to take a six-month payment break. Six months later, your loan has grown to $61,500 because of accrued interest and no payments made. 8. Fill out any necessary paperwork asked for by your servicer (s). Wait a week after you submit paperwork to call and verify paperwork has been received. 9. To protect your credit, wait to stop making payments until you’ve received a notice in writing from each servicer with the exact date your deferment or forbearance will begin and end. Call each servicer to verify this date and the date you should start making payments when your deferment or forbearance ends. 10. Keep your loan information in a folder in a place where you will be able to easily find the information later.
Credit markets frozen. New housing frozen. Record foreclosures. Circular arguments about government responsibility and government fixes. Class action suits by investors. Criminal investigations. If this sounds familiar in 2008, it's because we lived it before. SAVING FACE is author Bill King s retelling of the savings and loan collapse and its aftermath. Enlivened by his often harrowing experiences as a major player in that industry, SAVING FACE narrates the ways in which the S&L crisis affected the everyday lives of real people at every level of the economy. King shows that eerily similar forces are at play today. King documents the origins of the collapse in Depression era policies that went awry in the 1970s. He then shows how the government, instead of proactively addressing the problem, ignored and denied the very existence of a problem. Ultimately, when the crisis could no longer be swept under the rug, Congress and government regulators blamed the fiasco on S&L crooks. But in 1993 an independent Federal Commission debunked the S&L crook explanation, declaring: It is important to realize that fraud was not the cause of the S&L debacle. Through hundreds of interviews and meticulous research, King traces the true dynamics of the collapse, drawing comparisons to intervening crises -- even scandals -- in government contracting and securities regulations, all the way to the sub-prime meltdown of 2007 - 2008 and the hat-in-hand reality of major financial institutions going begging for survival funds overseas. SAVING FACE shows in vivid detail how we repeat a cycle of almost willful ignorance, and resulting pain from Wall to Main -- for reasons that need not be. In his final section, Lessons Learned, King shows us the beginning of an end to economic insanity, making SAVING FACE a cautionary must-read for every concerned American.
Save Time and Money-and Get the Loan That's Right for YouEver-changing mortgage guidelines . . . confusing financial forms . . . if you're buying or refinancing a home, you know all too well how overwhelming and intimidating the mortgage process can be. This revised edition of How to Get the Best Home Loan guides you through all the critical issues and demystifies the mechanics of mortgage lending-everything from disclosures and fees to closing costs, points, and making payments. Longtime mortgage banking industry insider and former realtor W. Frazier Bell helps you sidestep the risks of financing a mortgage and sheds light on many unknown aspects that keep borrowers from making intelligent, money-saving decisions.Written in clear, simple language, this comprehensive Second Edition features new information on desktop underwriting, merged credit reports, and using the Internet, as well as updated sections on verifications, qualifying, and loan types. Bell gives you hands-on access to his hard-won experience, providing the tools you need to:* Understand why lenders do the things they do* Learn what to look for when comparing loans and lenders* Head off potential problems and expensive mistakes* Navigate FRMs, ARMs, FHAs, GEMs, and TILs* Know why certain loans may be better for you than others* Save yourself hundreds, even thousands, of dollarsPacked with real-life examples, sample forms, and proven advice, How to Get the Best Home Loan, Second Edition will ensure that you get the right loan, at the right price, from the right lender.
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