Quick and Practical Ways to Improve your Finances – Automatic Saving, Education, Refinancing to Tax Planning


NOW is always a good time to reassess your financial situation and try and determine how you can improve your personal finances. Based on my experiences and observations, here are five simple and relatively cheap strategies to improve your finances. All it requires is a little discipline and overcoming normal procrastination that is associated when dealing […]

Read the full article →

2016 HARP Program Extension and Other Government Housing Refinance Programs


[Updated for 2016] – The Home Affordable Refinance Program (HARP) has been extended to the end of 2016. Under this program home owners may be able to reduce their mortgage payments by as much as $3,500 each year. The program benefits those with little to no equity in their home homes (LTV>80%) and are struggling to refinance to a lower […]

Read the full article →

Obama Jobs Act – 2012 Payroll Tax cuts, Unemployment Extension, Infrastructure Spending and Small Business Incentives


[Update Sep 2011] – President Obama has revealed details on his new $447 billion Americans Jobs Act and it is pretty much in line with what I had referenced in my earlier update (see below) before his speech. Here are the main things he is proposing that now go to Congress for review and approval: […]

Read the full article →

Saving $95,000 by Refinancing into a Lower Rate and Shorter Duration Mortgage


Many homeowners with good credit are ditching their old 30-year fixed rate mortgages for the 15-year or 20-year versions. This is primarily to leverage historically low rates for these shorter duration loans and benefit from the significant interest savings over the life of the loan. In fact, a friend of mine did exactly this when […]

Read the full article →

15 Year Versus 30 Year Fixed Rate Mortgages – How to Determine Which is the Better Option


As mortgage rates continue to hover at 30 year lows, many people are wondering whether a 15-year or a 30-year mortgage term is a better option. After all, even though payments on the 15-year option would be higher, the lower interest rates on the shorter term loan are keeping payments, in many cases, at very […]

Read the full article →

Looking Beyond the Monthly Payment and Calculating the True Cost of Your Refinance


Mortgage lenders often attract homeowners seeking to lower their mortgage interest rate with some simple math, usually presented in one of two ways: 1) Comparing the nominal closing costs to the total savings from 30 years of a lower monthly payment, or 2) How few months it will take before you break even with your […]

Read the full article →

5 Steps to Take Now in Preparation for Double Digit Inflation


There is an important debate brewing among economists today about inflation. On the one hand, many believe we are headed to double-digit inflation in the near term. Increased government borrowing coupled with a huge money supply thanks to the Fed’s liberal approach to printing money, has led many to conclude that raising inflation is inevitable. […]

Read the full article →

Should I Refinance My Mortgage and Do I Qualify


With interest rates on 30 year fixed-rate mortgage loans falling below 4%, the lowest level since the 1950s, many borrowers are keen to refinance their home loans and other mortgages. By any long-term measure, current rates are a great deal and could result in tens of thousands of dollars in savings over the life of […]

Read the full article →
Disclaimer: The information contained on Saving to Invest (this site) is for general information purposes only and does not constitute factual or professional financial advice. In accordance with FTC guidelines, we disclose that we may have a financial relationship with some of the merchants/companies mentioned on this website. We do our best to maintain current information, but due to the rapidly changing environment, some information may have changed since it was published. Please do the appropriate research before participating in any third party offers. Refer to the Privacy Policy and Terms of Use for more information