New Info Blog

One of the most prominent changes with every lender in today’s market are the stricter underwriting guidelines they are imposing on all their borrowers. Because of their previous lackadaisical approach, many lenders have found themselves in great trouble with many closing their doors and claiming bankruptcy. The lenders who are still in business now realize the importance of sound underwriting on all of the loans that come across their desk.

When a loan request is submitted to a lender, a loan processor is typically assigned to the loan to gather all of the necessary documents that the underwriter will need to evaluate the loan and to make sure the borrower will be able to make their payments and still have a reserve for emergencies. The documentation they will require is also required by the regulators that the banks have to answer to. Because of the mortgage crisis, regulators are running around as fast as they can and are extremely picky with what they need as documentation.

While this should have been happening over the past years, it has caused banks to reorganize their underwriting departments and request for more information than they need to ensure they will meet the regulators stringent requirements so they can keep lending. Many of these changes have increased the underwriting process and the amount of paperwork the borrowers need to collect.

If borrowers, sellers and brokers do not understand this, they might not give the borrower enough time in escrow on a purchase and will have to deal with their money going hard sooner than they would like. Borrowers requesting a refinance may also find delays if they do not have the proper paperwork up to date, especially if they are holding title in a trust or limited liability company.

Some of the other underwriting changes to look out for include:

1. Increased Debt Coverage Ratios (DCR)

2. Changes in term, rate, fees to accommodate perceived added risk

3. Additional bank statements for ALL liquid or semi-liquid assets listed on the personal financial statement

4. The minimum credit scores for approval have been raised

Posted by Chad Pitt, Sr. VP of Commercial Alternative

(714) 594-3426

cpitt@commalt.com

http://www.commalt.com

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As we began the New Year, many of us made resolutions and vowed to get our financial houses in order. Unfortunately many of us broke that resolution long before the first credit card bill arrived. Rather than feel guilty consider these steps to get you started in the right direction – regardless of what time of the year.

1. Build your Emergency Fund:
Not just the pot of gold that you were considering for a new car or vacation, a fund for real emergencies. Your emergency fund should include at least three to six months worth of living expenses. These funds should only be tapped for healthcare emergencies, times of unplanned unemployment and other events of this magnitude.

As you develop your emergency fund, keep enough money in your bank account or money market account to cover three or more months expenses and than ask your Financial Advisor or your banker to help you set up a series of short term CDs to form a ladder with the rest. Laddering funds will allow you to earn more interest on the money that you may need to get your hands on in hurry. At the same time, it helps to make sure that you don’t get your hands on it all at once for non-emergency purposes.

2. Use credit wisely:
Avoid purchasing items on credit whenever possible. If you must carry debt, look for the lowest rates that you can find. Shop out your loans and credit cards for better deals. Ask your creditors for better rates. If you make all your payments on time and are in good standing with them, most likely they will lower your rates. If not, consider moving elsewhere. Be sure to review your credit report at least annually and watch for identity theft as well.

3. Budget money wisely and do not overspend:
Take the time to sit down and set a budget or a spending plan. Live within your means and don’t try to keep up with the Joneses. We are all guilty of it from time to time, but unless we win the lottery we may want to let the Jones get ahead just a bit so that we are not struggling in retirement. You may be surprised to know that there are a lot of doctors and executives out there who are making well over $500,000 per year who are in debt up to their eyeballs and giving the term “living paycheck to paycheck” a whole new meaning.

Be careful not to overspend when it comes to your investments either:
Some firms are offering free trading if you “simply pay the bid ask spread” or have large sums of money in an account. Other firms are offering low priced stock trades while charging outrageously high margin rates or other fees. Investigate these offers closely and make sure that your free lunch is really free. Some times you can save a few dollars on a commission and spend thousands on a wide spread or other fees. Most importantly, do not try to save a commission by trading online or buying no load funds if you really don’t know what you are doing and are likely to risk your hard earned money.

4. Be prepared:
Make sure that you are properly insured. Not just for your car or home (if renting, be sure to pick up rental insurance) but also for your life, health, disability and if appropriate, long term care. Check your coverage on insurance polices, update beneficiaries on your life insurance and make sure that you have an updated will.

5. Learn as much as you can about investing:
According to a Lusaardi and Mitchell study cited in Money Magazine, individuals who understood simple calculations such as compound interest or percentages had higher net worth than those who did not. The internet offers a great deal of help to arm you with information about investing. But don’t be too proud to get help if you still need it or to get a second opinion to see how you are doing.

6. Set realistic goals:
Don’t start with pie in the sky ideas. Set short, medium and long term goals that you can stick to. A short term goal may include building up that emergency fund that you swore you were going to start or perhaps saving for a house. A medium term goal may include paying for your children’s education and a long term goal may include planning for retirement. Set aside time to plan for each of these and be sure to monitor your progress along the way.

7. Know your Benefits:
Learn what you are entitled to or if you will be entitled to any benefits. Does your employer offer a pension plan? Are you eligible for social security? Are you eligible for a spouse’s benefits in the event of death or divorce? Be sure to review your benefits from time to time as they may have changed. Some employers have significantly reduced or even dropped their pension plans all together.

8. Invest with Discipline:
In a recent “Retirement Reality Check” survey, conducted by the Allstate Insurance Company, 40 percent of respondents admitted that they are not even saving seriously for retirement. Overall, 38 percent of respondents said that they expected their retirement to be “financially difficult.” Start saving early and often to help avoid this situation.

Estimate your retirement needs. Fund your 401(k) retirement plan to the maximum or start an IRA (or alternative retirement plan) if you are eligible. Invest automatically via your employer, through payroll deduction or through your financial institution and have money drawn automatically every month before you have a chance to spend it. Pay yourself first. Treat your savings like a bill and pay yourself every month. Make careful decisions between stocks, bonds, mutual funds and other investments. Pick quality investments, stick with them and rebalance when your allocations are no longer in sync with your plan.

Get started. Don’t wait until tomorrow or until you get a raise or until after the holidays. Take action today.

The topics covered in this article are for discussion and information purposes only. Clients should take special care in understanding all of the risks involved prior to investing. Nothing contained herein should be considered as an offer to buy or sell any security or securities product. Place Trade Financial, Inc. does not provide legal or tax advice. Please consult your own tax and/or legal advisor prior to investing. This article contains links to other web sites. Place Trade Financial, Inc. is not responsible for the privacy practices or the content of such web sites. Please contact Place Trade Financial at 1-800-50-PLACE or visit http://www.placetrade.com for further information. Place Trade Financial, Inc. is a registered broker dealer. Member FINRA, SIPC.

Sarah M. Place, MBA is the President and CEO of Place Trade Financial, Inc., Member FINRA, SIPC. She has over eighteen years experience in the financial services industry. She has vast experience working with stocks, bonds, mutual funds, 401(k)s and other investment vehicles. She is a member of the National Association for Business Economics (NABE) and the Finance Roundtable, serves as a member of the North Carolina Council on Economic Education (NCCEE) Board of Directors as well as several other boards and committees that are dear to her heart.

She has presented topics including economic issues, investments and retirement planning to numerous groups over the years including the Tufts University Alumni Association and the Cary Jaycees. She is a contributing writer for several publications including Balance Magazine, the Carolina Newswire, the NC Journal for Women, NC Career Networking Magazine and Women in the Triangle.

If you would like to receive a free subscription to our monthly newsletter please visit http://placetrade.com/abt-newsletter.htm

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A home daycare can be a rewarding profession for moms who want to stay at home with their own children. Yet, there may not be any other job that is more stressful. Be aware of the 7 biggest stresses and turn them into blessings instead.

STRESSOR #1 – Operating Costs are High
Solution: Apply to have your daycare contracted through the region
Contact someone in Children Services in your region or county regarding becoming a child care provider. A child service worker will come to meet you and discuss the region’s policies. If you like what they have to say you sign a few documents and are well on your way to an increase in pay. The region may pay substantially more than parents will.

STRESSOR #2 – Not Enough Children in Your Care to Off-Set Costs
Solution: Build A Waiting List
A waiting list will be your most valuable asset. Turn over rate is high for home daycares so do not take it personally or become discouraged. Be prepared. Keep your daycare in the public eye by having a website, running a continuous small ad in the local paper and have a sign outside your home. Tell everyone you know what you are doing and ask them to tell a friend.

STRESSOR #3 – Too Much Work, Not Enough “Down Time”
Solution: Schedule regular breaks for yourself
There must be quite a few things that a hot bath won’t cure, but I don’t know many of them. ~Sylvia Plath,

Finding ways to de-stress is very important. In order to find balance and moderation there must be things in your life that you enjoy doing that are calming and restorative. Do not try to do it all. Read a book or knit while the children are watching TV. Do something you enjoy. Arrange to have grandparents or friends watch your own children for an evening once a week so you can relax. Do what is relaxing for you and rejuvenate your spirit.

STRESSOR #4 – Cook, Serve, Clean…Cook, Serve, Clean…Over and Over Again
Solution: Create a monthly menu plan to follow and keep it simple.
Again, do not try to do it all. Keep your snacks and meals simple and child-friendly. Use a calendar or spreadsheet to list snacks and lunches for a month. Usually one week will fit on one page. Use this chart when you go shopping and it will allow you to buy in bulk and to catch things when they are on sale. It will also prevent the added frustration of having to think each day about what you want to feed the children only to find out you have run out of a necessary ingredient.

STRESSOR #5 – The Place is a Mess!
Solution – Hire an affordable cleaning service
As soon as your budget allows hire someone to clean your daycare area every one or two weeks. This will be in addition to the daily cleaning you will be doing of course. But it will give you a break and help reduce the spread of germs. You are already doing so much work, let someone else do the deep cleaning.

STRESSOR # 6 – An Accident Happens on Your Property
Solution: Create an Emergency Plan and Kit
Emergencies can happen at any time and any place. Be prepared by having a plan in place. Ask yourself: How would I bring a child to the hospital? Who would stay with the other children while I left? Find helpful information online or attend a course that offers an emergency plan for businesses. Be prepared for anything.

STRESSOR # 7 – Parents Do Not Do What They Say They Will Do.
Solution: Begin a pattern of open communication with parents from day one
Parents may be one of the most unpredictable elements of your business. Start on a good note by having them sign all the necessary documents and talk in detail about the arrangements you will have for their children. Then stay in constant contact with them as issues arise. Try having little notes to send home with their child. Use a newsletter to keep all parents updated and to send out reminders.

Now all you need to do it put this into action. What is your biggest stressor right now? What is one thing you can do today to eliminate your biggest stressor today? What are 5 steps you can take this week to eliminate your stressors and bring more blessings into your life?

Rachel Perry Pellegrini is a certified elementary school teacher. She has been running a home daycare for the past year and writes about her experiences with the intention of helping other mothers overcome obstacles in their own home business. She has a background in Journalism-Print. Her daycare website is http://www.daystardaycare.com and her blog can be found at http://www.thesimpleself-improvementproject.blogspot.com

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Dave Ramsey is a financial guru, and my favorite book is his “How to Have More than Enough: A Step-by-Step Guide to Creating Abundance”.

More than a budgeting book and how to cut costs guide (and this book does include both), it outlines his “baby steps”.

Step 1: set up an emergency fund for true emergencies. And he explains what real emergencies are (medical, car repairs, etc).

Step 2: debt snowball, and ways to find money for it.

Step 3: 3-6 months of emergency savings. This is what you live off of if you lose a job, get downgraded at work, etc.

The next savings for retirement, house, college, are all prioritized.

I enjoy this book because it talks about not just how to plan your finances, like paying off debt comes before retirement savings, and you say no to kids college before you have credit card bills, but do save for college before you pay off the house early. He even details how to get back on track if an emergency comes up, and more debt result – like a surprise surgery and you’ve used up the emergency fund AND savings.

The changes he details to get the mindset in order – how to not just tighten the belt but be able to live and even thrive living on less than you make, are key here. It’s not just clenching teeth for a few months or a year to pay off those debts. It’s changes in lifestyle, too, so you never get into debt (except a house mortgage) again. And then it’s how to live and prosper later, when you can afford the toys (when you can save up and pay cash for them) later.

Live like no one else so that later you can live like no one else. And you’re allowed to say “No” to the kids demands for toys, to all the “please give me another loan” and “but I really need you to do this” while you get your own life in order.

How to Have More Than Enough is a financial planning book that almost anybody could relate to and apply for a more pleasant financial well being.

Gordon Kaye is an avid reader who loves nothing more than to put on a pair of comfortable reading glasses and sitting down with a great book. He hopes to share his great literary finds with you. http://www.EasyReadingGlasses.com

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What can you do to straighten out your personal finances? It doesn’t have to be a hassle to get back on the right track, financially, in short order. If fact, if you simply take action now, you making those initial strides towards financial freedom in as little as two months. Consider the following points.

What people often fail to do is to develop a budget that is suitable for dealing with emergency situations. Generally, emergencies will not occur often but inevitably, they will happen. Unquestionably, the real work at avoiding financial and personal dangers is prior preparation. When you choose to use a reasonable budget, your first decision should be to establish a savings account or fund that is expressly organized to accommodate emergency amounts.

Naturally, the first step for ordering your financial life within the proposed two month is to have this emergency account or fund already established. You need to keep your eye on this emergency fund and make sure that it is growing each month. In fact, within a couple of months, you should have enough to deal with a small emergency if need be.

Be honest. You are probably curious as to why this approach does not involve starting with the debt reduction. Think about it, though. You realize that paying off debt takes a while and emergencies are not apt to wait for you to be in a better place financially. If something unexpected happens, you will find yourself in worse debt than before and all of your progress lost. Yet, with an emergency savings source, you will be able to cope with such an emergency while being able work on paying down your debt with available income.

Just because you are not exponentially increasing your savings during this two month timeframe does not mean you will not have enough money to use, if needed. You are going to be using the time to streamline your regular expenses by lowering them and taking the excess and diverting it to your emergency fund.

Making a genuine commitment to lower your spending, is essential to achieving definitive results during your trial period, and later on as well. The way to make the situation work the best is to balance your financial situation with the amount of debt reducing you plan to do in order to keep things reasonable so you are less tempted to quit. Do not think you need go too far with slashing your expenditures down. You will need to dedicate some time to locating ways to replace former expenses with more economical ones, while not forsaking the former ones entirely. Consider the example of dining out at nice restaurants. Sure, you may not be able to go as often as before but you are also not quitting the practice entirely so that you’re forced to eat the same things all the time. Then again, you could always buy foods like those that you typically buy out from the grocery store so you can indulge a little while also cutting expenses.

When you’ve made it two months or so, you will start focusing on debt reduction. A mentioned previously, the concept was to develop a savings system that helps you deal with unforeseen emergency circumstances while not resorting to costly personal loans or credit cards. You will probably want to start chopping away at your debt as soon as you can, but it takes sufficient income to make good on this plan. The most obvious starting point should be high interest debt. Credit cards are a major source as well as personal loans, like paydays or cash advances.

In most cases, the previous approach to paying off credit cards in order of interest rate levels is a sound one. At the same time, there are some would say it does not hurt to take cards with high minimum payments but lower balance and pay them off before higher interest cards in order to accumulate more funds to pay more on other cards

Alisdair Cosgrove interests include mortgages, loans and other personal finance topics and has been writing for numerous years and can find more of his work at the UK site Glitec.co.uk, offering compare loans and also great advice on many secured loans. Visit today to read the article, loan requirements

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Payday loan companies gives the borrower the amount of the check minus their fee (They get their money up front).

Fees charged for payday loans are usually a percentage of the face value of the check or a fee charged per amount borrowed for every $50 or $100 loaned.

A cash advance loan secured by a personal check – such as a payday loan – is very expensive credit.

Let’s say you write a personal check for $115 to borrow $100 for up to 14 days. The check casher or a payday loan lender agrees to hold the check until your next payday.

And, if you extend or roll-over the loan – say for another two to four weeks – you will pay A Fee Each Time you get a extension.

Under the Truth in Lending Act, the cost of payday loans – like other types of credit – must be disclosed.

Among other information, you must receive, in writing, the finance charge (a dollar amount) and the annual percentage rate or APR (the cost of credit on a yearly basis) which when you do the math can be very high.

Top 10 Alternatives to Payday Loans!

1. There are other options. Consider these possibilities before choosing a payday loan:

2. When you need credit, shop carefully. Compare offers. Look for the credit offer with the lowest APR – consider a small loan from your credit union or small loan company, an advance on pay from your employer, or a loan from family or friends.

3. A cash advance on a credit card also may be a possibility, but it may have a higher interest rate than your other sources of funds: find out the terms before you decide. Also, a local community- based organization may make small business loans to individuals.

4. Compare the APR and the finance charge (which includes loan fees, interest and other types of credit costs) of credit offers to get the lowest cost.

5. Ask your creditors for more time to pay your bills. Find out what they will charge for that service – as a late charge, an additional finance charge or a higher interest rate.

6. Make a realistic budget, and figure your monthly and daily expenditures. Avoid unnecessary purchases – even small daily items. Their costs add up.

7. Also, build some savings – even small deposits can help – to avoid borrowing for emergencies, unexpected expenses or other items. For example, by putting the amount of the fee that would be paid on a typical $300 payday loan in a savings account for six months, you would have extra dollars available. This can give you a buffer against financial emergencies.

8. Find out if you have, or can get, overdraft protection on your checking account. If you are regularly using most or all of the funds in your account and if you make a mistake in your checking (or savings) account ledger or records, overdraft protection can help protect you from further credit problems. Find out the terms of overdraft protection.

9. If you need help working out a debt repayment plan with creditors or developing a budget. There are non-profit groups in every state that offer credit guidance to consumers. These services are available at little or no cost. Also,

10. Check with your employer, credit union or housing authority for no or low-cost credit counseling programs.

If you decide you must use a payday loan, borrow only as much as you can afford to pay with your next paycheck and still have enough to make it to the next payday.

For More Infomation On PayDay Loans Visit: Debt Elimination Program Reviews They review and then list some of the best debt elimination, programs, software and books available online in 2005, Including Free Articles, Special Reports and More!

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Tip 1 – If you currently have any debt on your credit cards then it is important that you clear this as soon as possible. Although credit cards are a convenient way for you to purchase those items that you want if you can’t pay off the balance on your card each month the debt will soon mount up. If you do find yourself in such a situation consider taking out a small low cost loan to pay off the balance on your cards and doing this could save you £100s each year.

Tip 2 – When it comes to buying yourself something essential like a second car or some furniture for your home why not consider using the local classifieds in the newspapers where you live or if they have their online. Generally you may find yourself saving yourself a considerable sum on the same items if you were to visit your local car dealer or furniture store.

Tip3 – As we all know the cost of the utilities for our homes has increased substantially over the last year or so. However, if you spend a little time online you may be able to find yourself a new supplier who offers the same as your current one at a much more competitive rate. Often doing the research online you may find that you are able to change over to the new supplier quickly and easily as well and they will then take care of the rest of the formalities.

Tip 4 – When you go shopping for the weekly or monthly food don’t go when you are hungry and take a prepared list with you. This way you are actually going to prevent yourself from picking up those items which are not essential and which you like the look of. Certainly you will not only be looking after yourself but also your wallet as well.

Tip 5 – Although you may not realize it but there are plenty of things you have at home which you don’t need or don’t use and which could be making you money. So spend some time going through your cupboards at home and see what you have got and what you don’t need. Then either put them up for sale on an auction site like eBay or in your newspapers local classifieds.

Tip 6 – When you need to get new insurance for your home, car or travel then don’t go with your current insurer but shop around instead. The quickest and easiest way for comparing the prices quoted for different kinds of insurance including that of life insurance is by going online. You may well find that you are able to save yourself quite a tidy sum.

Tip 7 – When it comes to your holiday arrangements try and book yours as early as possible as this can save you quite a considerable sum each year. Also rather than booking through a travel agency instead try and make all the arrangements yourself. There are hundreds of websites that can help you to book all your travel arrangements at one time and still help you to make considerable savings on each part.

Tip 8 – If you can rather than arranging for a professional to come in and fix a minor problem in your home try and tackle the situation yourself first. There are plenty of colleges close to where you live who offer short courses in dealing with minor emergencies in the home so why not sign up for one of these.

Tip 9 – Although it may seem difficult try and put a little money aside each month to cover any emergencies that arise or to help pay off your mortgage a little more quickly. So rather than going out drinking every weekend with your mates spend it at home and use that money towards other essentials you need including paying off your credit card.

Tip 10 – It is important that you learn to say no once in a while. Although that new bag may look great or that weekend away looks tempting if you can’t afford to pay cash for it then don’t buy it.

Above we have offered 10 tips for saving your money, as long as you keep these in mind then you shouldn’t find yourself in a situation where debt has taken over your life.

About Adflyer

Adflyer is a free classified site where you can search for a new pet, find new furniture or sell your car. Browse through property, ways to make money and holidays aboard. This is the place for free classified advertising in the UK. Find bargains for sale in your local area and advertise free.

Buy and Sell – Adflyer

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