Introduction: Renting vs Buying a Home – What’s the Better Option?

real estate for rent sign

Buying a home is a big investment and an important responsibility. But owning a home also makes you feel like you're part of a community and proud to have a stable environment to raise a family. And if handled correctly, a home can add to your long term wealth should you decide to sell it down the road. Home Buying Tips Ninja Training … [Read more...]

4 Big Things to Consider Before Buying a House

4 big things to consider before buying a house

As you begin your quest to buy a new home, it's important that you understand what you're getting into. This is especially true if you are a first-time home buyer. You have to be on top of your household budget and savings. That's because your current financial state will permit you to determine if you'll be able to cover the immediate upfront … [Read more...]

4 Different Types of Mortgage Loans

different types of mortgage loans

When it comes to buying a home, you need to know about your mortgage options. What you'll discover is that there are four types of mortgage loans. They include fixed rate, adjustable rate, interest only, and balloon. And for each type there will be a variety of terms and options that lenders will offer. But once you understand the big picture, … [Read more...]

The Fixed vs Adjustable Rate Mortgage Debate (Knowing Which to Choose and When)

adjustable rate mortgage vs fixed rate mortgage

Without a doubt, the two most popular types of home mortgages are fixed rate mortgages and adjustable rate mortgages. The fixed rate mortgage is the original belle-of-the-ball. But the adjustable rate mortgage is no shrinking violet, and has it's share of adoring fans. So, in this article, I'll take a closer look at the fixed vs adjustable rate … [Read more...]

Pre-qualify vs Pre-approval for Mortgage Loans

prequalify v spreapproval

When you begin your hunt for a new home, things may start off slowly and you might still be debating about neighborhoods and areas to narrow your search. That's perfectly normal and expected. But eventually, the process will get more serious and you'll decide on a price range. Once this happens, you'll probably want to determine if you'll be able … [Read more...]

How to Choose the Right Home to Buy

how to choose the right home

If you're ready to get down to business and start shopping for a home, then pay close attention to the tips and information contained in this article. Specifically, I'll cover whether you should use a real estate agent or not, the various types of homes, and why you should have a house inspected before you sign on the dotted line. After reading … [Read more...]

3 Home Buying Options and Alternatives

3 home buying options

If you're a bargain hunter, there are a few off-the-beaten-path home buying options or alternatives that could put you in a great home for a lot less than you would have expected. The alternatives include property short sales, foreclosures, and real estate owned (REO). Home Buying Tips Ninja Training Guide Introduction: Renting vs … [Read more...]

How to Make an Offer On a House & Conclusion


If your spidey senses have led you to a great house that you'd like to buy, it's time to get into a negotiating mindset. This article is all about how to make an offer on a house. You'll learn some key pre-negotiation tips, ideas for formulating an offer amount, insight into earnest money, and strategies for negotiating terms. Let's get … [Read more...]

How to Negotiate With Collection Agencies, Creditors and Debt Collectors

how to negotiate with collection agencies

If you've been getting nagging phone calls about paying past due bills, then you should read these tips for how to negotiate with collection agencies, creditors, and debt collectors. You'll learn how to prepare yourself, which debts to negotiate first, and proven negotiating rules. This information will help you to become a stronger and more … [Read more...]

12 Ways Your Debt Collector May Be Breaking the Law


All debt collection agencies know that they must follow the rules specified in the Fair Debt Collection Practices Act (FDCPA). It's the law. And in many areas it's quite clear. Take a look at this list to see if your collector is skirting any debt collection laws.   1. Calling you during disallowed hours of the day - The rules state that … [Read more...]

Is Bankruptcy the Best Option for Me? (Answers to Your Question)

bankruptcy option

If your debt is piling up and you just don't feel there's a way to get from under it, then filing for bankruptcy is one possible solution. But the big question is should you do it or seek out another alternative?   In this article, you'll learn about the two basic types of bankruptcy, other options, and what will happen if you decide to … [Read more...]

10 Things Filing for Bankruptcy Can and Can’t Do for You


If you're thinking about filing for bankruptcy, then it would be wise to know what all it can and can't do for you. Yes, it can keep most of the wolves off your doorstep. But it's not a cure-all. Here are some of the key benefits and limitations to filing for bankruptcy.   What Bankruptcy Can Do Stop your wages from being garnished - If a … [Read more...]

4 Big Misconceptions About Balance Transfer Credit Cards


One popular way to consolidate debt is to move all the outstanding balances on your credit cards (and perhaps other non-credit card loans) with high interest rates to a single credit card that has a low rate. This lower rate card is often referred to as a balance transfer credit card. Banks offer these types of credit cards as a way to get new … [Read more...]

Does Canceling a Credit Card Hurt Your Credit Score? (Mystery Solved)


If you're wondering whether canceling a credit card could hurt your credit score, this is an important article for you. Many people are understandably confused about this area and are right to ask how or why such a thing could be financially harmful. After all, your objective is probably to clean out the clutter in your credit file and enhance … [Read more...]