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| | | Finance
Mortgage origination points
Lenders are paid one of two ways. Either they charge origination points when a loan is written or the hike up your interest rate. Origination points are paid immediately by the loan itself, But a higher interest rate will live as long as the loan does. So if your planning on paying off the mortgage, pay the points. If its just an investment property, it may make more sense to pay the higher rate instead of points. | | | | | | Kenneth in Fort Lauderdale, Florida | Tips Published: 9
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| | | Finance > Debt
Paying off creditors
The best time of year to pay off your debts to any creditor will generally be near the end of any quarter, or especially that the end of the year. They need to make as much money as possible, so often they will settle a debt for pennies on the dollar. | | | | | | Kenneth in Fort Lauderdale, Florida | Tips Published: 9
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| | | Finance
Save money on psychic hotlines
A tip for saving money with Psychic Hotlines: DO NOT EVER give a dime to call a psychic about ANYTHING. One possible exception is if you need advice on how to steal money from people by pretending that you have psychic abilities. They can probably help you there. | | | | | | DAVID in SHERMAN OAKS, CA | Tips Published: 4
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| | | Finance > Saving
Reduce the term of your mortgage
Pay 50% of your monthly mortgage payment every 14 days. There are 52 weeks in a year, so over the course of a year, you will make 1 extra monthly payment, without feeling it. This will reduce the term of your mortgage by about 20%. A 30 year fixed mortgage will be paid off in about 24 years. A 15 year loan will be paid off in about 11 years. This also reduces the total amount of interest paid over the life of a loan. | | | | | | Kenneth in Fort Lauderdale, Florida | Tips Published: 9
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| | | Finance > Debt
How to reduce the interest paid on revolving debts
Credit card interest accrues daily. Paying 50% of your normal payment twice before it is due will cut your revolving debt interest in half. Paying it in 4 installments of 25% of your normal payment will cut the intrest down to 25%.
Note* only works with revolving debts (credit cards) and total monthly payments must be equal to or greater than your minimum payment. | | | | | | Kenneth in Fort Lauderdale, Florida | Tips Published: 9
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| | | Finance
How to organize your personal financial records
Organizing your personal financial and tax records can really pay off. By having this paperwork organized, you'll simplify the tax preparation process and be reminded of deductions you may have otherwise forgotten about. You'll also provide your family members and outline how to handle your financial affairs should something happen to you. | | | | | | Kevin in Apollo Beach, FL | Tips Published: 1
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| | | Finance > Saving
How to save money
I have found that the best way to save money is to wait till pay day and before paying any bills instantly transfer a set amount to a separate account. Do not wait till the end of the month to see if anything "extra" is still left! You can make a deal with yourself on how big the amount should be according to your financial situation but stick to the plan, it will pay out when you have a rainy day. | | | | | | Anna in Barcelona, | Tips Published: 4
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