Why Are We Talking About Responsible Lending?

Just a few years ago I purchased a beautiful condo in a very popular ski resort town new the Rocky Mountains. It was a really exciting moment for me when I signed my loan paperwork. I financed it through one of the largest Mortgage Companies of that time.

A month later, I started making my mortgage payments, and, after about 2 months, I found out that my mortgage was sold to some other company. That was quite a surprise to me. I did not know that they could do that. So, I started making payments to some Mortgage Company B.

A couple of years down the road, my mortgage was sold back and forth quite a few times that I lost count. Then I found out that it’s quite common for investment banks to buy loans in bulk and then sell them over and over again. Quite a few bad loans were slipped in with hundreds of good loans where the debtors have been making payments on time.  Read the full article…»

There is a beautiful saying by Robert Montgomery: “A house is made of walls and beams, a home is built with love and dreams”.

It really does take a lot of dreams and love, great excitement and effort, as well as many sacrifices to save money, in order to achieve a wonderful goal of having your own dream home.

If you are still debating deep in your heart and trying to weigh all pros and cons of buying versus renting, you will find the answer in your heart.

In spite of the uncertainty of the current housing market and fewer loan options for home buyers, we all well know that there are a lot of great benefits of owning a home and just to name a few:  Read the full article…»

Studies show a discernible connection between debt and stress, and while that’s certainly interesting to hear, it should really come as no surprise to those of us who’ve ever been in the red.  It’s simply taxing to live behind the proverbial eight ball, regardless of whether we are talking about personal finance, work, or even something as mundane as household chores.

So, the obvious question we need to ask ourselves is how do the 69% of people who report money being their main source of stress, according to the American Psychological Association, lessen the burden on both their wallets and their minds by becoming debt free?

There are indeed a number of strategies you can employ to both minimize the impact of stress while you are working to pay off what you owe as well as make your journey to debt free living as short and inexpensive as possible.  Read the full article…»

If you have decided to invest in real estate and you are new to it, there are a few things you need to know before you start making offers on houses.

Real estate can often be a good investment, but it’s also a huge risk if you do not know what you are doing.

If you are wondering how to invest in real estate and be successful at it, these 3 moves can definitely help if you are a beginner. 

Know What to Look For

Not every pretty house is a good deal and a solid investment. In fact, it’s often the ones that are a little worn around the edges that will turn a better profit because you can easily add value to the property.

Purchasing a rental property is not about loving the house – it’s about running the numbers to find something that gets you a good return.  Read the full article…»

Let’s face it: we all love office parties.

Regardless of the size of your business or the industry you operate in, the office party is likely to be a highlight in your organisation’s calendar.

The office party is a great way to get workers to socialise with each other and provide an opportunity to look back at all the positive things your company has done recently, but it’s important such events are planned properly.

Of course, the ongoing difficulties in the economy have meant many businesses have scaled back or even cancelled regular parties, especially festive celebrations – according to research by CWT Meetings & Events, some 41 per cent of UK companies didn’t plan an office Christmas party in 2011.

Obviously, holding an annual office party can be expensive, but whatever money you may save by not having one could pale in comparison to the damaging effect it will have on staff morale.  Read the full article…»

Radiography career might be one of the most interesting and exciting careers these days seeing that careers in the health care industry are growing at a steadily increasing rate. With new legislation  regarding health care and insurance, the medical field is expected to grow even more over the coming years.

Now is the perfect time to break into a career in radiography. This field is one of the vital specialties in  diagnostic imagery, and aspiring radiographers will find that numerous  career options abound.  Read the full article…»

Looking for some money saving tips in retirement?

Hard working days are finally behind you and it is time to think about happy retirement time. A lot of you imaged your retirement time to be all about rest and warm sunny days.

Retirement becomes a great opportunity for many people to finally travel, explore new interests, hobbies and meet up with new people. All this sounds like a good plan.

Let’s discuss how to enjoy your time along with stretching carefully saved dollars throughout retirement years.  Read the full article…»

Why Do I Need International Travel Insurance?

Planning to travel abroad for business and pleasure and wondering whether you need to purchase international travel insurance?

The question you need to ask yourself is the following: “Will I be covered in the event of emergency?”

Just a few months ago, one of my friends went back to England to visit his family. The weather in London was quite terrible, cold and rainy, and he got a really bad case of pneumonia and ended up staying at the hospital for over a week.

As a result, he had to cancel his flights and other plans and pay huge hospital bills.  Read the full article…»

Employee Discount Club is a valuable benefit program which helps people make the most out of lots of extra employee benefits.

We have made a list of the top advantages of joining such a group.

Holiday Breaks

Many employee clubs offer savings on vacations, so you can start hunting down your swimsuit and dusting off your suitcase. There are many employee discounts to take advantage of, whether you enjoy staying in hotels, self-catering apartments, holiday parks or even log cabins!  Read the full article…»