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And Now a Word from Jim Brown of First Investors (Belmont)
2008-05-15 00:31:00 Mortgage rates have remained relatively stable with a slight bump yesterday due to the increase in the T-Bills. Jumbo pricing has gotten alot better so that shouldbring the Jumbo market back into play somewhat. Keep an eye on the adjustables as there is starting to be a big spread on the conventional adjustables versus the fixedrates. Yesterday we had 5.25% with no points on a 5/1 year ARM. These adjustments should make purchasing more attractive to borrowers. Be aware of the lenders who are adjusting for declining markets as we have lenders who are going solely on DU conditions which does not require an adjustment. We can do 95% financing on purchases for singles even in a declining market.Just wanted to tell everyone to keep the community homebuyer program in minds whichprovides a lower downpayment and easier loan qualifications. We have a program For: 1 Unit 97% LTV 2 Unit 97% LTV 3 Unit 9...
Attractive Deals Offered by Credit Card Companies Posted By : Jim Brown
2008-04-01 10:08:00 Credit customers look for credit card deals everytime the mail carrier delivers the mail. A key component of personal finance is financial planning, a dynamic process that requires regular monitoring and reevaluation.
Resorting to Home Refinance Loans Posted By : Jim Brown
2008-03-03 21:35:00 When the Federal Reserve lowered the prime interest rates to 4.5%, many homeowners jumped at the chance to apply for a home refinance loan. Credit scores hold a lot of importance today. Your credit score will affect you in many ways other than securing a loan. To improve your credit score first you must understand how credit scores work. Read more about Credit and Personal Finance.
And Now a Word from Jim Brown of FIRST INVESTORS, Belmont (MA)
2008-02-08 17:56:00 Although the news and media keep reporting on the Fed lowering the discountrate, the bond market took a hit yesterday along with the Fed raising concerns about inflation.Which caused rates to increase a little more. The rates are still excellent and below 6%.The forecast is that rates should slide back down over the quarter. Just wanted to remind everyone aboutthe Community homebuyer programs that havecome back in play that provide for lower downpayment and easier loan qualifications. We have a programFor: 1 Unit 100% LTV 2 Unit 97% LTV 3 Unit 95% LTV 4 Unit 90% LTVThe max combined income is $108,000.00. This is a great program for first time homebuyers. CONFORMING 30 YEAR FIXED 5.875% 0 Points 5.375%...
Loan Types Not Eligible For Financing Posted By : Jim Brown
2008-02-07 06:56:00 Certain lenders have set policies about the types of loans that they will lend money for. One would think that any lender would be in the business of lending money, but some feel that some ventures are just not safe enough to risk losing money on. That last time I used my credit card, I kicked myself. You see, I'm trying out this whole negative reinforcement thing. Anyway, the point is that we should try not to spend so much and start saving more. Maybe what's in order is a financial planning education course. Read more about finance and credit cards.
Financial Services Make Online Trading Worth The Risk Posted By : Jim Brown
2008-01-27 10:13:00 With the help of an investment counselor and other people that specialize in a wide variety of financial services, an investor can make sound business decisions that include the risk that an investment might not ever show a profit. A key component of personal finance is financial planning, a dynamic process that requires regular monitoring and reevaluation.
Jim Brown, A Football Hall Of Famer and A YTB Travel Agent
2008-01-15 04:46:00 Next up on the YTB Celeb List is the pro football hall of famer, Jim Brown. Jim Brown left behind a remarkable record with the Cleveland Browns and was noted as a most valuable player. Currently, he’s also a valuable travel agent that helps to make dreams come true. Check out the Jim Brown video ...
Jim Brown, A Football Hall Of Famer and A YTB Travel Agent
2008-01-15 04:46:00 Next up on the YTB Celeb List is the pro football hall of famer, Jim Brown. Jim Brown left behind a remarkable record with the Cleveland Browns and was noted as a most valuable player. Currently, he’s also a valuable travel agent that helps to make dreams come true. Check out the Jim Brown video ...
Differences In Tax Services Posted By : Jim Brown
2008-01-08 12:21:00 While all tax services achieve the same result, there are many differences in tax services and people have learned to study those differences carefully before they file their tax returns with the Internal Revenue Service each year. Personal finance is the application of the principles of finance to the monetary decisions of an individual or family unit. It addresses the ways in which individuals or families obtain, budget, save and spend monetary resources over time, taking into account various financial risks and future life events. Components of personal finance might include checking and savings accounts, credit cards and consumer loans, investments in the stock market, retirement plans, social security benefits, insurance policies, and income tax management.
Options For Selecting Tax Services Posted By : Jim Brown
2008-01-07 16:23:00 The variety of tax services offered to consumers today has expanded and consumers are now able to select a variety of services that are tailored to specific needs. The tax laws can be incredibly complicated to understand, especially for the Small Business Owner like yourself. How can you be expected to run your business AND keep up with all the tax rules and regulations? That's why over the years I've discovered many tax-saving strategies that will reduce your tax bill each and every year. These "strategies" are not difficult to understand, nor are they hard to implement.
Expenses Involved In Going Back To School Posted By : Jim Brown
2008-01-05 20:04:00 Parents might have to scrimp on summer vacation plans because they know that there will be a lot of expenses involved in their children going back to school. Many graduates think that the six months they have before the required scheduled repayment of their various college debts seems like forever. The six months is nothing compared to the years and years of payments ahead of you. A consolidation of student loans can make the monthly much less painful. Read more about finance and student loans.
Tax Services Offered Online Posted By : Jim Brown
2008-01-03 14:24:00 With the advancement of computer technologies, taxpayers no longer have to leave their home to get advice on filing Federal and State tax returns. The tax laws can be incredibly complicated to understand, especially for the Small Business Owner like yourself. How can you be expected to run your business AND keep up with all the tax rules and regulations? That's why over the years I've discovered many tax-saving strategies that will reduce your tax bill each and every year. These "strategies" are not difficult to understand, nor are they hard to implement.
Tax Services Offered Online Posted By : Jim Brown
2008-01-03 14:24:00 With the advancement of computer technologies, taxpayers no longer have to leave their home to get advice on filing Federal and State tax returns. Personal finance is the application of the principles of finance to the monetary decisions of an individual or family unit. It addresses the ways in which individuals or families obtain, budget, save and spend monetary resources over time, taking into account various financial risks and future life events. Components of personal finance might include checking and savings accounts, credit cards and consumer loans, investments in the stock market, retirement plans, social security benefits, insurance policies, and income tax management.
Online Savings Provided By Credit Cards Posted By : Jim Brown
2007-12-25 13:13:00 Some people chose to apply for a certain brand of credit card because it had no annual fee and after a time, the consumer might forget about the online savings that are provided by the credit card company. That last time I used my credit card, I kicked myself. You see, I'm trying out this whole negative reinforcement thing. Anyway, the point is that we should try not to spend so much and start saving more. Maybe what's in order is a financial planning education course. Read more about finance and credit cards.
Improving Credit With Credit Repair Posted By : Jim Brown
2007-11-21 03:36:00 Don't feel helpless and hopeless if you have bad credit for this will not last forever. You can actually take steps to help begin the repair of your credit. A recent study by United College Marketing Services has shown that student credit lines have increased to over $6,000. Credit card usage has tripled since 2001 amongst teenagers as well. Since eighteen year-olds in many countries and most U.S. states are eligible for a card without parental consent or employment, the likelihood of increased balances, unwise use of credit and damaged credit scores increases. Read more about Finance and Credit.
Checking Your Credit Report Posted By : Jim Brown
2007-11-17 00:34:00 How often should you check your credit report? Checking on it and your finances enables you to take on the necessary steps to improving your finances. Are you looking for some inside information on income tax refund? Here’s up-to-date information on Taxes and personal finance and also on Taxes.
For Business Tax Return First Time Filers Posted By : Jim Brown
2007-10-29 19:22:00 It is the first year of your business and that time of year has come for you to file your business tax return. Personal finance is the application of the principles of finance to the monetary decisions of an individual or family unit. It addresses the ways in which individuals or families obtain, budget, save and spend monetary resources over time, taking into account various financial risks and future life events. Components of personal finance might include checking and savings accounts, credit cards and consumer loans, investments in the stock market, retirement plans, social security benefits, insurance policies, and income tax management.
Is Preparing Your Tax Return Online Safe? Posted By : Jim Brown
2007-08-09 05:05:00 There are many ads online on companies offering to help you or prepare for you your tax return. Personal finance is the application of the principles of finance to the monetary decisions of an individual or family unit. It addresses the ways in which individuals or families obtain, budget, save and spend monetary resources over time, taking into account various financial risks and future life events. Components of personal finance might include checking and savings accounts, credit cards and consumer loans, investments in the stock market, retirement plans, social security benefits, insurance policies, and income tax management.
Who Should Do Your Tax Return Posted By : Jim Brown
2007-08-09 05:05:00 A CPA firm's services to prepare even very simple tax returns can cost much. While people should be able to prepare their own returns, a professional will be able to help you work with your return especially on new laws, credits that may be overlooked and other related matters with regards to your tax return. Credit scores hold a lot of importance today. Your credit score will affect you in many ways other than securing a loan. To improve your credit score first you must understand how credit scores work. Read more about Credit and Personal Finance.
Your Credit Report And Credit Score Posted By : Jim Brown
2007-07-13 17:36:00 Payments and default payments on your credit card are reflected on a single report called the credit report. Other credit accounts and loan defaults are also contained in such a report. That last time I used my credit card, I kicked myself. You see, I'm trying out this whole negative reinforcement thing. Anyway, the point is that we should try not to spend so much and start saving more. Maybe what's in order is a financial planning education course. Read more about finance and credit cards.
Understanding Your Credit Report Posted By : Jim Brown
2007-07-12 04:47:00 A wealth of information is contained in your credit report. Your financial actions, your loan or credit accounts and how you pay them are just some of the data you can find on your credit report. Review your credit report periodically to get an idea of what the creditors are saying about you. The tax laws can be incredibly complicated to understand, especially for the Small Business Owner like yourself. How can you be expected to run your business AND keep up with all the tax rules and regulations? That's why over the years I've discovered many tax-saving strategies that will reduce your tax bill each and every year. These "strategies" are not difficult to understand, nor are they hard to implement.
Learning During Tax Time Posted By : Jim Brown
2007-07-10 23:29:00 That time of year again has arrived. Thoughts of completing your tax return as well as paying for it may be hanging in your mind. Personal finance is the application of the principles of finance to the monetary decisions of an individual or family unit. It addresses the ways in which individuals or families obtain, budget, save and spend monetary resources over time, taking into account various financial risks and future life events. Components of personal finance might include checking and savings accounts, credit cards and consumer loans, investments in the stock market, retirement plans, social security benefits, insurance policies, and income tax management.
Why A Tax Professional Is Needed For Your Business Posted By : Jim Brown
2007-07-07 11:21:00 You are a smart businessman but you shouldn't be embarrassed to acknowledge that you need help when it comes to sorting your finances. If you run your own business, a tax professional would be a very big help. It is of utmost importance that you choose your tax professional wisely instead of ending up hiring the wrong person. A recent study by United College Marketing Services has shown that student credit lines have increased to over $6,000. Credit card usage has tripled since 2001 amongst teenagers as well. Since eighteen year-olds in many countries and most U.S. states are eligible for a card without parental consent or employment, the likelihood of increased balances, unwise use of credit and damaged credit scores increases. Read more about Finance and Credit.
The Credit Card Friend Or Foe? Posted By : Jim Brown
2007-06-27 10:26:00 The credit card can be your friend or destroy you; it all depends on how you use it. To gain maximum profit from a credit card you need to understand all the basic rules that govern the use of credit cards. Many graduates think that the six months they have before the required scheduled repayment of their various college debts seems like forever. The six months is nothing compared to the years and years of payments ahead of you. A consolidation of student loans can make the monthly much less painful. Read more about finance and student loans.
Jim Brown Justice Denied
2007-06-26 00:55:00 My post on Justice Denied June 22th: What I learned since June 22th, is there is a Justice Denied Magazine and Justice Denied Book. You sure learn things fast with a blog. On June 22th I posted a story from Justice Denied Magazine. Readers were asking me if they were affiliated. I never heard of the book Justice Denied, so I did research on it. I did remember I read a story about Kathleen Norman from a Jim Brown website. I left a comment and left the site. Little did I know who Jim Brown was. I was really just interested in Kathleen Norman's amazing story. This is what I read on Jim Brown's radio website about Kathleen:The Innocence Project of New Orleans was discussed on Wednesday?s show, and my guest was the Chairman of the Board, Kathleen Norman. Kathleen was actually the foreperson of a jury that convicted and sentenced an innocent man to death. Later, when confronted with evidence of his innocence that had been in possession of the FBI and withheld form the defense, she becam...
Do You Need Credit Repair? Posted By : Jim Brown
2007-06-23 23:21:00 When you credit rating is less than perfect due to late or non payment, you need to take steps to correct the situation as a bad credit rating can affect you life very negatively. Are you looking for some inside information on income tax refund? Here’s up-to-date information on Taxes and personal finance and also on Taxes.
Knowing Your Credit Report And Score Is Important Posted By : Jim Brown
2007-06-20 17:22:00 It cannot be stressed enough how important knowing one's credit rating and keeping it healthy is. That last time I used my credit card, I kicked myself. You see, I'm trying out this whole negative reinforcement thing. Anyway, the point is that we should try not to spend so much and start saving more. Maybe what's in order is a financial planning education course. Read more about finance and credit cards.
Credit Cards And Online Shopping Posted By : Jim Brown
2007-06-20 17:22:00 Could using your credit card be the best way to shop online? A key component of personal finance is financial planning, a dynamic process that requires regular monitoring and reevaluation.
Sam Brownback Insults Favre in Wisconsin; next up, Jim Brown in Ohio
2007-05-13 22:51:00 This is nowhere near the most important piece of news this week, but with the press its getting should be noted. From the AP article: The GOP presidential hopeful drew boos and groans Friday at the Wisconsin Republican Party convention when he used a football analogy to talk about the need to focus on families. “This is ...
By: 2008 Central
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