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    w0lkf
    Oct 27 th, 2016
    Banking is a Business No Comments

    Refinancing Your Mortgage

    Almost everywhere you go some these days, someone is talking about the mortgage crisis and about interest rates being at an all time low. So, it’s hard to know whether it makes sense to refinance or to just sit tight. Every financial decision is as individual as the people involved. Here are a few reasons […]

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    w0lkf
    Oct 26 th, 2016
    Banking is a Business No Comments

    Roth IRAs: What’s In It For You

    The Roth IRA named for Senator William Roth who sponsored the original legislation is a retirement savings plan. Unlike a traditional IRA, contributions to a Roth IRA are not tax deductible. Roth IRAs give tax-free distributions on the earnings. Advantages • No mandatory age to begin withdrawing funds. Traditional IRAs require a mandatory distribution by […]

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    w0lkf
    Oct 9 th, 2016
    Uncategorized No Comments

    The Retirement Blues Part II

    You may have read about the first three Retirement Blues points– match maximization, loan avoidance, and what could be defined as the “basket full of eggs” (refer to similar article on the blog, please, called “The Retirement Blues”). Well, there are three more to keep in mind. This stuff is so important that there simply […]

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    w0lkf
    Sep 29 th, 2016
    Banking is a Business No Comments

    PMI: DOWN AND DIRTY

    Private Mortgage Insurance, known affectionately in the mortgage industry trade as PMI, is an insurance policy the protects lenders from mortgage defaults. Mortgage lenders require borrowers to have PMI when they borrow more than 80 percent of the home’s value. For instance if you wish to purchase a $250,000 home with a $20,000 down payment, […]

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    w0lkf
    Sep 27 th, 2016
    Banking is a Business No Comments

    Savings—Why Should I?

    Interest rates on savings accounts are at an all-time low. So does it still make sense to sock money away in a savings account? It’s true, it is hard to get enthusiastic about savings when interest rates on savings account are 1 percent or less and interest rates on certificates of deposit (CDs) are not […]

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    w0lkf
    Sep 18 th, 2016
    Banking is a Business No Comments

    Does a Reverse Mortgage Make Sense For Me?

    Reverse mortgage is a retirement strategy that makes sense for many people of retirement age. But it is not for everyone. In the simplest terms, a reverse mortgage lets you access your home equity -without making monthly payments. The repayment of the mortgage occurs upon the homeowner’s death, sale of property, of if the homeowner […]

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    w0lkf
    Sep 1 st, 2016
    Banking is a Business No Comments

    Hitting the Stock Bull’s Eye

    The trickiest part of stocks is knowing when to strike on them. You never know when’s the best time to invest until your intuition tells you. Prices fluctuate. A lot of it is left to chance; sometimes it’s like a horse race! Put all your bets in, and hope your stock stallion crosses the finish […]

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    w0lkf
    Aug 26 th, 2016
    Banking is a Business No Comments

    DE-MYSTIFIYING ANNUITIES

    There is so much mystery surrounding annuities and what they can do for you. What are they? Who should by them? What kinds are there? In a nutshell, an annuity is an investment instrument sold by insurance companies that provide the owner with regular payments over a period of time. Annuities have often part of […]

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    w0lkf
    Aug 21 st, 2016
    Uncategorized No Comments

    PMI: DOWN AND DIRTY

    Private Mortgage Insurance, known affectionately in the mortgage industry trade as PMI, is an insurance policy the protects lenders from mortgage defaults. Mortgage lenders require borrowers to have PMI when they borrow more than 80 percent of the home’s value. For instance if you wish to purchase a $250,000 home with a $20,000 down payment, […]

    READ MORE
    w0lkf
    Aug 11 th, 2016
    Banking is a Business No Comments

    The Heartache of Divorce!

    Okay, look–it’s not an easy subject to discuss. But unfortunately it does happen to the best of us. Here it is– When dealing with a divorce, our finances are seriously affected. It’s just a fact of life. Thought this was about the actual heartache of divorce, hence the title of this article? Well, this isn’t […]

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