Are You Incorporating Income And Opportunity Cost Into Your Financial Planning Strategies?
By incorporating income and opportunity cost into your financial planning strategies, you can regain control of your financial future. You can learn how by understanding prosperity economics.Financial Property Management
Finding a company that can provide you with professional property management services can be somewhat of a challenge these days. Everyone promises to lead you with the utmost professionalism and then falls short of their promises. You need a reliable company to deal with your property management, one that’s been in the business for several years and has a solid dependable reputation.Personal Finance Strategies for Newlyweds
You had your dream wedding and you have become a couple with dual incomes and mutual responsibilities. Financial strategy is not the most romantic top that you can discuss as a newlywed but it’s definitely a top priority. You both want to enjoy your lives together and plan for that comfortable retirement.The Hidden Costs of Sending Money Internationally
There are certain fees associated with money transfers that you should know before sending your money overseas. These fees can be broken down into three different components: The cost of sending money, exchanging money and receiving money.Scottish Trust Deeds: What Is a Protected Trust Deed?
If you have too much debt to pay back, you can apply for a Scottish Trust Deed or even a Protected Trust Deed if your debts are over £8,000. You can save losing your house under new Scots Law and come to an arrangement to repay your debtors for 36 months, after which any remaining debt is written off.We Owe It To Our Children To Teach Them Money Management Skills
Life can be interesting. When things happen in our life, we might see them one way, but God sees them from a totally different perspective. One example of this can be our children. For many of us, our children were “accidents,” or unplanned. Yet, they were part of God’s plan from the beginning. Each of us has been designed by God with a purpose. We need to look carefully at how we handle the responsibility at hand.Proposed Alternative Definitions for Qualified Mortgage
The Dodd-Frank Act prohibits a creditor from making a residential mortgage loan unless the creditor makes a reasonable and good faith, verified determination that the consumer has a reasonable ability to repay the loan. This determination of a consumer’s ability to repay must be based on the following factors: the consumer’s current and expected income and other financial resources excluding equity in the dwelling which secures the loan; employment status; payment of the loan based on a fully amortizing payment schedule and the fully-indexed rate; payment of any simultaneous liens; payment of applicable taxes, insurance and assessments; the consumer’s current obligations; the consumer DTI ratio or residual income; and the consumer’s credit history.