Personal and Business Finances

Plan the Life You Want

As is often quoted, the best laid plans of mice and men often go astray. But, that is not an excuse not to plan. Planning is all about the things you can control, and at the same time being aware of economic, social, and business trends that will affect you and your family.

Financial Trends

Many financial trends sneak up on us if we do not keep up with the news both in general and in business. Even if we are not involved in a business directly, business trends have an effect on everyone's lives. For example, automation that will extend into our every day lives and will likely affect the way we live and work.

The best way to keep up with trends is to read reputable newspapers and magazines which should include career related trade journals. You can also find blogs online that discuss subjects in your field.

Oct 11, 2020
Need a credit card but have bad credit?
Here is the place to get approved.
Available loans with bad credit include auto loans, personal loans, mortgage loans, and credit cards. More info...

Oct 10, 2020
Refinance Your Mortgage Now
Rates are lowest in history.
Save thousands of dollars on your mortgage by refinancing while interest rates are low. Many homeowners have already begun the process because saving money is more important than ever. Us this online mortgage application to get started on your plan to save money. More info...

Oct 8, 2020
Online Pet Stores
Why everyone is ordering online.
Due to the issues regarding COVID-19 and the convenience of online ordering.
many more consumers are purchasing from online stores. Combined with the holiday rush and the intentional slow down of the US Post Office service, it may take much longer to get your order the closer we get to December. Order now. More info...

Oct 4, 2020
RV Rentals for Your Florida Vacation
Book Your RV Now
Many families have decided to go RVing this year to get away while still being safe from the crowds. By renting an RV, the whole family can travel safely and enjoy a new adventure. There are RVs of every size and budget and you can book safely through RVShare where you can search among thousands of available RVs. More info...

Sep 29, 2020
Credit Cards for Money Management
A Credit Card is a financial tool
Credit cards should be used as a money management tool and an emergency source of funds when needed. Credit cards are useful as money management tools since they provide a record of what you have purchased and you don't have to carry large amounts of cash. You can also dispute charges if the product or service you purchase does not live up to expectations. When credit cards are used wisely they can provide a real benefit to your family finances or your business record keeping. And don't forget the cash bach rewards that are free money. More info...

Sep 24, 2020
What You Should Know Before You Request Mortgage Forbearance
Dima Williams
Even if loan servicers have been offering forbearance under the federal CARES Act - and a slew of clarifying rules by the government-sponsored enterprises Fannie Mae and Freddie Mac - for about six weeks now, confusion persists among borrowers.
"With millions more Americans filing for unemployment over the week, the level of job market distress continues to worsen," said Mike Fratantoni, MBA's senior vice president and chief economist, in a press statement. "That is why we expect that the share of loans in forbearance will continue to grow, particularly as new mortgage payments come due in May." More info...

Sep 24, 2020
Foundation Survey or Slab Survey
Residential Construction
The foundation survey or slab survey is used to determine that the foundation has been placed properly on the building lot and at the proper elevation. The survey is done once the foundation is complete and it is an important part of the construction process. More info...

Sep 23, 2020
How to get help with your mortgage
What to do if you can't pay your mortgage
The first thing to do is to contact your mortgage company and tell them about your situation. They will offer any assistance that they can since they do not want your loan to go into foreclosure. Depending on the type of loan you have, there may be government programs to allow you to defer payments. If not, they may have suggestions for you to bring your loan current, like borrowing money from relatives or other sources.
You may have to bite the bullet and put your house up for sale. That is much better than foreclosure since you can recover any equity in your house and avoid bad credit. Do whatever you can to avoid foreclosure as it will mark you as a bad credit risk for years to come, and even effect your ability to rent.

Money Smart News Continued...