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How HARP Can Put Money in Your Pocket | Zillow Blog

Posted by on Dec 5, 2013 in Your Money | 0 comments

By Frank E. Nothaft Is your house underwater? Did it lose value during the last recession? Could you use a few extra thousand dollars next year? If you said “yes” to one or more of these questions, then you probably haven’t taken advantage of the Home Affordable Refinance Program (HARP). The federal government launched HARP in 2009 to help eligible homeowners with mortgages owned by Freddie Mac or Fannie Mae save money by refinancing into low-interest loans despite a drop in the value of their home. As of August 2013, HARP has saved approximately 2.9 million homeowners as much as $12 billion a year on their mortgage interest payments. It’s estimated that new HARP borrowers who refinanced into Freddie Mac mortgages during the first nine months of 2013 reduced their mortgage interest rates an average of 2 full percentage...

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Top 10 Ways to Make Money on the Internet – How Stuff Works

Posted by on Dec 2, 2013 in Your Money | 0 comments

Unless you’re a freegan and have found a way to live entirely off the grid, you probably need some sort of steady income in order to survive. The traditional way to earn money, of course, is by having a job. You work for a company or start your own, and the work you do earns you money, which you spend on things like a mortgage, rent, food, clothing, utilities and entertainment. Most people typically work from their company’s central location, a physical space where everyone from that organization gathers to exchange ideas and organize their efforts. But a few lucky souls have found ways to make money within the comfort of their own home. With the Internet, an ever-changing arena for businesses, some people looking to earn money are finding ways to do so. Some forms are best for...

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10 Savvy Tax Moves to Make Before Jan. 1st – Yahoo Finance

Posted by on Nov 28, 2013 in Your Money | 0 comments

April 15 is the target date for taxes, but to ensure that you pay the Internal Revenue Service the least possible amount on that date, you need to make some tax moves before the tax year ends. The good news this year is that the federal tax laws are in place, unlike at the end of 2012, when Congress was still fighting over legislation. The bad news is that if you earn a lot of money, you could face some new taxes. The best news, regardless of your income level, is that you still have time — until Dec. 31 — to reduce your tax bill. Some tax moves will take a little planning. Others are very easy to accomplish. But all are worth checking out to see if they can reduce your tax bill. Following are 10 year-end...

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Five costly home insurance mistakes to avoid – Yahoo Homes

Posted by on Nov 28, 2013 in Your Money | 0 comments

Figuring out what kind of home insurance you need might feel like a big headache, but it’s nothing compared to the headache you’ll face if you’ve got the wrong coverage and disaster strikes. “I have been eyewitness to numerous instances when an insured thought some problem was covered by their policy, but the insurer received the claim and immediately looked to two ways in which they could deny it,” says Ted Corless, a property insurance attorney.  First, the insurer checked to see if the damage was caused by something not covered in the policy, and second, they checked to see if any information provided by the insured wasn’t accurate. Even small misrepresentations could result in your claim being denied, Corless warns. To avoid falling into this trap, keep some of these common home insurance mistakes in mind… Mistake #1...

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How Much Life Insurance Should You Carry? – Investopedia

Posted by on Nov 26, 2013 in Your Money | 0 comments

Very few people enjoy thinking about the inevitability of death. Fewer yet take pleasure in the possibility of an accidental death. If there are people who depend on you and your income, however, it is one of those unpleasant things that you have to consider. In this article, we’ll approach the topic of life insurance in two ways: first, we will point out some of the misconceptions about life insurance and then we’ll look at how to evaluate how much and what type of life insurance you need. Read...

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How to Pay Off Your Home Faster in Five Steps

Posted by on Nov 26, 2013 in Featured, Your Money | 0 comments

For homeowners, the key to becoming debt free for life is paying off your mortgage as quickly as possible. Of course you can’t even think about doing that unless you have the right kind of mortgage — which is to say, a 15- or 30-year fixed mortgage with payments you can afford to make. If you don’t have that kind of mortgage, I’m going to tell you how you can get one. But for the moment, let’s assume you either have that kind of mortgage or are shopping for a mortgage and can choose. How do you make the right choice so you can pay it off as quickly as possible? Step 1: If You’re Loan Shopping, Choose a 15-Year Mortgage. If you can manage the higher monthly payments, signing up for a 15-year fixed mortgage is the way...

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