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from the blog
The exchange traded fund or ETF is slowly moving to the forefront of our investment options. The question for you, the one you will ask yourself: is this an investment worthy of my attention?
The Glow of Exchange Traded Funds
Much of what you read about the state of retirement planning, the headlines that grab your attention are often focused on many moving parts that are summed up in one concept: living comfortably in retirement.
Retirement Planning: Define Living Comfortably
The nineteenth century was a time when philosophers were wondering what exactly was free will.
Investing: The Lost Luster of Mutual Funds
on the radio with Paul Petillo
Join us for our second season beginning on January 3rd. We're excited to continue the conversations we have had about your money, how you invest and why (you should). Financial Impact Factor Radio with Paul Petillo, Dave Kittredge and Neil Plein. Where talk about money comes Alive!
To hear all of our archived broadcast, go to our new site Financial Impact Factor Radio
books by Paul Petillo
I just published my fifth book - this time with Smashwords! ReBuilding Wealth in a Paycheck-to-Paycheck World by Paul Petillo, copyright 2011 This ebook is available across all platforms including iPad and iPhone, Amazon and Sony.
on focus with homes
on mortgage investing: news
Recently I received a letter in the mail from the bank that holds my mortgage that would make most mortgage holders think twice. It was the offer of life insurance.
Retirement Planning: Do Boomers Need Insurance for Their Mortgages?
Did you know that there can be more to investing in real estate than simply buying a house? There are high yield options that trade like stocks. In fact, you should consider REITs or real estate investment trusts in your portfolio.
For those just entering the housing market or thinking about buying a house, the considerations are often overwhelming. So we thought we'd break the process of buying a home down into a two part, special broadcast.
You can still buy a house - even in this market. But you will first need to know yourself!
Are ARMs an option?
A lot of us just assume we will be able to get a mortgage in retirement.
Is your mortgage part of your retirement plan?
Is forbearance the answer? On mortgage forbearance relief
Your FICO score has an impact on many financial transactions. Find out how Your FICO score can cost you money.
And now there is another new credit rating company. Here is discussed on Financial Impact Factor Radio with Paul Petillo.
Call it an American birthright - or at least the right homeowners suggest they have. Can the mortgage tax reduction remain?
What looks like a mutual fund, pays dividends like a mutual fund, is compared to a mutual fund and most recently, up against the S&P 500 index, actually has performed better, yet isn't one? REITs: read more
There are numerous considerations to any move. But at retirement, the move needs some serious thought. If your retirement plan involves hanging your hat in a different locale, what you have is as important as where you go.
Reverse Mortgages are simply not the best plan for most people. Where aggressive lending got us into the mess we are in now, the new target is once agin, borrowers who simply don't understand what they are buying. A push for reform is needed.
Consumer Alert A new law entitles you to free credit report. But is it really free?
on mortgage investing: costs
Is it possible to buy a house with
No Money Down
Who are these three and what is it that makes them so vital to your ability to buy a home? The story of
Freddie and Fannie and Ginnie
Have you started looking, or even begun to dream. Here is a help guide through the loan process before you even apply.
Loans, Step by Step
How much is that house down on the corner? I do hope it's the one for me. Or something like that. The question really is, "Can I afford that house on the corner?" Here you might find an idea of just how much you can afford.
Mortgages are the financial vehicle that allows you to purchase a home. Here's a little guide through the maze.
Are you curious as to how much house you can afford?
Or maybe you like to do a little mortgage math
Perhaps you'd like to calculate the cost of buying down your current loan
on mortgage investing: buying
Updated for 2012 Mortgage Links of Interest
If his assessment of who may need this money now - 23% of those who have mortgages are underwater but not necessarily facing foreclosure - the government should step out of the way and allow these folks to withdraw that money without penalty.
HOME is where the Retirement Plan is?
But you need a place to live and the vast majority of Americans looking at retirement in the next ten-years have a house payment saddling their plans.
Should I Pay it Off: The Mortgage v. 401(k) Question
Can you have it all? Why the financial world needs to change its approach about home ownership.
The person considering the 30-year mortgage can see some significant savings in terms of monthly outlays. On a loan of $300,000 spanning 30-years at 4.5%, the monthly mortgage payment would be around $1500 a month.
Do you know which mortgage is right for you? While the differences often seem easy to spot, on the surface at least, the nuances are harder to decipher. The 15-year mortgage comes with a lower interest rate but because of the length of the loan, the monthly mortgage payment is higher. The 30-year mortgage on the other hand offers a lower monthly payment. Which mortgage is best?
Have you ever wondered what babies have to do with buying a house? Surprisingly, more than you might imagine. Babies, banks and the mortgage business
Is it time to look at fixed rate mortgages? If so, which is better, buying a mortgage from a broker or a bank?
The Federal Reserve's inability to narrow the gap between consumer borrowing costs and government interest rates is driving investors to the longest-maturity Treasuries. How low can those rates go?
Work the Numbers on our new 20 in 1 mortgage calculator.
on mortgages: in reverse
The vast majority of us would like to stay in our homes during retirement. It may be because we know the place, have repaired most of what needs to be fixed, like the neighborhood, and the proximity to friends, families and activities suits us. unfortunately, the vast majority of us are looking at retirement with a mortgage. Is that necessarily a bad thing? The Mortgage Hedge
American dream or not, the games you may have once played with financing your home are not available for the vast majority of homeowners. And there is no doubt that this a good thing, a lesson learned that was far too painful but often, those tales are. But there is another game afoot in the world of mortgages, even as the largest lenders pull the plug on the process: the reverse mortgage.
Special to the BlueCollarDollar: Interview with John Trauth, author and architect of the Reverse Mortgage.