Financial Advice for Retirement, Social Security, IRAs and Estate Planning

Mortgages and Debt

Found 6 Articles.

should-you-keep-your-mortgage-or-pay-it-off

Should You Keep Your Mortgage or Pay it Off?

August 1, 2006

A home is the most valuable asset owned by most Americans. A key and confusing financial issue for many is how to manage the home equity. Proper management of the equity can increase net worth and enhance one’s life style. Managing home equity means determining the trade off between a mortgage and unencumbered home equity. […]

ways-to-reduce-mortagage-on-IRA

Five Proven Ways to Reduce the Mortgage on your IRA

April 1, 2006

Most people who are busy accumulating large balances in their IRAs and 401(k)s forget that the IRS holds a mortgage on those accounts. You put pre-tax dollars in the accounts and let income and gains compound tax deferred. But that balance in the IRA is not all yours. The price for those tax breaks is […]

should-retirees-pay-off-their-mortgage

Should Retirees Pay Off Their Mortgage?

January 1, 2006

Not long ago a key part of every retirement plan was paying off the mortgage. I’m told that a popular ritual was the mortgage-burning party, though I have never been to one. Now, it seems that fewer retirees consider paying down the mortgage to be important. To the contrary, maintaining a substantial mortgage frequently is […]

the-right-mortgage-for-todays-market

The Right Mortgage for Today’s Market

May 1, 2004

Alan Greenspan recently pointed out that over the past decade homeowners would have saved a bundle by having adjustable rate mortgages (ARM) instead of conventional fixed rated home loans. Is an adjustable rate loan still the right decision today? A fixed rate mortgage definitely is more expensive in the short-term. Recently, the average interest rate […]

The New World Of Mortgages

August 1, 2002

Mortgage rates still hover near their lowest levels in decades. That keeps refinancing near the top of many lists-of-things-to-think-about. If you are one of the millions thinking of refinancing a mortgage, you should know that the rules of the mortgage market changed in the last few years. Until recently, refinancing didn’t make sense unless current […]

new-mortgage

Tips on Getting The Right New Mortgage

April 1, 2000

Mortgage interest rates are tumbling, spurring many people to buy homes or refinance current mortgages. When shopping for a mortgage, one of the first decisions is whether to choose a fixed rate or adjustable rate mortgage (ARM), sometimes known as a variable rate mortgage. Often there is a meaningful difference, or spread, between interest rates […]

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