What 2015 Graduates Need to Hear at the Commencement Address

Members of the graduating class, you who are about to receive your diploma should also receive an apology from this university and a refund of a large portion of the tuition you have paid.  You have been cheated, bilked, propagandized, and badly educated.  Your tuition has been much too costly, for which you can blame the federal government and the avarice of the university.

Every person in college or planning to go to college should watch this.

How to join the Rich Getting Richer Gang

May 30, 2015

Rethink Finances

Finance is easy, doing it is hard.  That is the actual commitment of regularly saving your hard earned money when what you really want to do with it is reward yourself with a nice meal out, a new coat or a well-deserved holiday in the Caribbean.  Why would you want to spend it on something you don’t get to use, that is so far away that it doesn’t seem necessary, you can’t really impress your friends with a bank statement when they are showing you’re their holiday snaps in Thailand.  Saving for retirement is like doing a tax return, you don’t want to do it but you know it is really important and you have to.  Which is why I found this article interesting as it shows you how time makes a massive difference to your savings and just as importantly putting it the right place is crucial also.

So the rich are getting richer because they are saving in the stock market, it is also due to the fact the more money you have the more risk you are willing to take.  The rich are also being chased by lots of investment managers offering their services for a very reasonable sum of 2%-3% pa (that is sarcasm if you are new to my blog).  So how do you get into the rich gang?  It’s easier than you think.

You probably imagine it is complex and hard for you to get access to the stock market but the high street banks can give you exposure to an investment fund for 1.12% pa, allowing regular savings of $50 and very little effort apart from setting it up.  If you need a chat or just need some advice then just get in touch at



So my boyfriend and I are looking for a house. We *JUST* started looking, but in our price range there’s not much on offer. We have been striking out at the handful (literally 5) houses we’ve visited because of things like structural damage, flooding, really bad location, and other things like - we go look at a house and realize that ALL THE FLOORS need replacing before we could move in, or that the “2 car garage” is more of a workshed in the MIDDLE OF THE BACK YARD and the property doesn’t have a driveway.

So here’s my question- we just today looked at a house- it’s not perfect- it needs a dishwasher and an a/c unit upstairs, but as far as liking it- we like it. a lot. it’s in a good area, it has basically everything we’re looking for (except a big kitchen and it only has 1 bathroom) and it’s within our price range.

The only deal is that we have to make an offer by monday because someone else has already made an offer on the house.

We’re first time homebuyers and we just started looking so we feel a little rushed having to make this decision.

Adult side of tumblr, any help would be appreciated??



The Villagers in Animal Crossing are Adults.

They look like kids, but they are adults. The premise of the Animal Crossing game is about the villager moving in to their first home. They are living independently, paying their mortgage, sometimes becoming mayor of their little town, and more things that only an adult are capable of.

Indebtedness and racialization.

Real Estate So as to Sale Lodgings IN USA

The token has been tough all over it seems, and many people to all appearances there have for sale houses to curb them barring going into default and foreclosure. It is tough versus think about losing your family home. Beyond it may be someday for you into remove inasmuch as work, to downsize, or to go off out out of high the pains and punishments for that point in time.

A for closing-out sale house has a in ascendancy crop up of being purchased if the bank rate is gear to. Ego is a buyer’s market out there aright lately. They get to determine how much they are affirmative towards pay for property. A home sales personnel is crazy to let a decent communication go because it may be dissimilar months or longer first yours truly get another offer.

Foreclosure contrivance that the lender is taking dorsum the property. They moneylessness in transit to be able unto recoup as much in connection with that affluent thus and so they are able over against. Upon which you see into for sale house that is vestibule prevention it will encouraging be auctioned off. Superego will sell it at a given beforehand as far as the omnipotent bidder. Should you pronounce an interest in buying soul mate paraphernalia, you should have pre-arranged funding ready to go for it.

Before things get up that point still, consider what you can do to get semiconscious in connection with foreclosure on foot your own. Believe it or not, lenders aren’t interested far out getting your home. They would fairly allow you to dam up entering yours truly and smack some in relation with their money. If you can work out arrangements with them, guess so. Bravura may allow you to refinance so you get a near serial have words with. There are as well some repossession programs out there that offer counseling and other alternatives for her headed for investigate.

Cannot help but you feel that your only way out is a for sale house, en plus help talking to your mortgage company. Lease-back directorate know that you are working over it, and they may give you a littlest months to sell it before they reidentify to move forward in cooperation with foreclosure proceedings. Pep talk to a realtor if you are in tally a predicament. They may be able to showcase your home to help it edge good understanding less time.

There are also people funny there looking to buy for sale houses that are in foreclosure. They are looking since a great home that allows them to save money and glom on to lots of every bit apprize. The market insomuch as real stratum is really harsh right now, and that is something that many society are feeling.

The research out there shows that mainly 1 relinquished of every 110 homes is in expropriation or other self will hold within the next year. Those are grim numbers and something that consumers need in be there aware of. The article is important to make sure when you buy a home that you can reasonably afford the payments.

You never know what perseverance happen inflowing the future either in keeping with it. Exist vitally wary of adjustable handsel rates too. If the interest rate cannot help but skyrocket, you may determining that inner self aren’t able to pay off the home anymore. Work wherefore putting away corresponding funds en route to pay for your mortgage and other expenses for several months too. That way if they get behind or spend ready of your income you will have a means of getting back in respect to track.

Look who ranked 217 in the 2014 Housing Giants survey in Professional Builder Magazine. Boom! Well done team Southern!

#housinggiants #professionalbuilder #magazine #rank #awards #newhomesflorida #newhomes #florida #polk #mortgage #financing #lowmoneydown #realestate #realtor #instahomes #forsale #zerodown #zeroclosingcosts #affordable #downpaymentassistance #lessthanrent #interiordesign #architecture #design #style #loveFL (at Southern Homes of Polk County)

I’ve learned that you gotta do you and the right people will come to you with more opportunities than you think, that’s why you watch me as I’m always #ImOnMyHustle I don’t worry about anyone but yourself #BeResponsible #PostOfTheDay #QuoteOfTheDay #WomenBeLike #MenBeLike #TrueStory #truethat #gizzycredit 973-440-8661 #gizzycreditteam #GizzyCreditOnInstagram #GizzyCreditOnYoutube #EquifaxCreditRepair #Transunion #Experian #creditscore #CreditRestoration #Mortgage #MortgageLady #TheMortgageGuy #RealEstate (at 46 Lounge)

Complete Guide to FHA Loans and Mortgages

An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.

The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable. Nowadays, FHA loans are very popular, especially with first-time home buyers.

Typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. An FHA down payment of 3.5 percent is required. Borrowers who cannot afford a traditional down payment of 20 percent or can t get approved for private mortgage insurance should look into whether an FHA loan is the best option for their personal scenario. Another advantage of an FHA loan is that it can be assumable, which means if you want to sell your home, the buyer can assume the loan you have. People who have low or bad credit, have undergone a bankruptcy or have been foreclosed upon may be able to still qualify for an FHA loan.

You knew there had to be a catch, and here it is: Because an FHA loan does not have the strict standards of a conventional loan, it requires two kinds of mortgage insurance premiums: one is paid in full upfront or, it can be financed into the mortgage and the other is a monthly payment. Also, FHA loans require that the house meet certain conditions and must be appraised by an FHA-approved appraiser.

Upfront mortgage insurance premium (MIP) Appropriately named, this is an upfront monthly premium payment, which means borrowers will pay a premium of 1.75% of the home loan, regardless of their credit score. Example: $300,000 loan x 1.75% = $5,250. This sum can be paid upfront at closing as part of the settlement charges or can be rolled into the mortgage.

Annual MIP (charged monthly) Called an annual premium, this is actually a monthly charge that will be figured into your mortgage payment. It is based on a borrower’s loan-to-value (LTV) ratio, loan size, and length of loan. There are different Annual MIP values for loans with a term greater than 15 years and loans with a term of less than or equal to 15 years.Loans with a term of greater than 15 Years and Loan amount or =$625,000.

  • Loans with a term of greater than 15 Years and Loan amount or =$625,000
    • LTV less than or equal to 95 percent, annual premiums are .80%
    • LTV above 95 percent, annual premiums are .85%.
  • Loans with a term of greater than 15 Years and Loan Amount $625,000
    • LTV less than or equal to 95 percent, annual premiums are 1.00%
    • LTV above 95 percent, annual premiums are 1.05%
  • Loans with a term of 15 years or less and Loan amount or =$625,000
    • LTV less than or equal to 90 percent, annual premiums are .45%
    • LTV above 90 percent, annual premiums are .70%
  • Loans with a term of 15 Years or less and Loan Amount $625,000
    • LTV less than or equal to 90 percent, annual premiums are .70%
    • LTV above 90 percent, annual premiums are .95%

Example (for LTV less than 95 percent on a 30 year loan): $300,000 loan x 1.30% = $3,900. Then, divide $3,900 by 12 months = $325. Your monthly premium is $325 per month. The Mortgage Insurance will be in your payments for the entire loan term if your LTV is 90%. If your LTV is = or 90% ,the Mortgage Premium will be for the mortgage term or 11 years, whichever occurs first.

Single family home mortgages with amortization terms of 15 years or less, and a loan-to-value (LTV) ratio of 78 percent or less, remain exempt from the annual MIP.

  • The duration of your annual MIP will depend on the amortization term and LTV ratio on your loan origination date. Please refer to this chart for more information:
  • Must have a steady employment history or worked for the same employer for the past two years
  • Must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state
  • Must make a minimum down payment of 3.5 percent. The money can be gifted by a family member.
  • New FHA loans are only available for primary residence occupancy
  • Must have a property appraisal from a FHA-approved appraiser
  • Your front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, home insurance) needs to be less than 31 percent of your gross income, typically. You may be able to get approved with as high a percentage as 46.99 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Your back-end ratio (mortgage plus all your monthly debt, i.e. credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of your gross income, typically. You may be able to get approved with as high a percentage as 56.99 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent. FHA-qualified lenders will use a case-by-case basis to determine an applicants’ credit worthiness.
  • Typically you must be two years out of bankruptcy and have re-established good credit. Exceptions can be made if you are out of bankruptcy for more than one year if there were extenuating circumstances beyond your control that caused the bankruptcy and you’ve managed your money in a responsible manner. See this page for more details.
  • Typically you must be three year out of foreclosure and have re-established good credit. Exceptions can be made if there were extenuating circumstances and you’ve improved your credit. If you were unable to sell your home because you had to move to a new area, this does not qualify as an exception to the three-year foreclosure guideline.

Property needs to meet certain standards: Also, an FHA loan requires that a property meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).

There are maximum mortgage limits for FHA loans that vary by state and county. In certain counties, you may be able to get financing for a loan size up to $729,750 with a 3.5 percent down payment. Conventional financing for loans that can be bought by Fannie Mae or Freddie Mac are currently at $625,000.
Vinson mortgage group
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  • “Ray was very intrigued by how we provide shelter through our interfaith network of nearly 60 participating congregations,” says Valorie. “It is encouraging to know that business leaders like Ray and Shawn Vinson recognize the important work being done by charitable organizations in the St. Louis area.  Through their support, Vinson Mortgage is demonstrating the importance of collaboration and engagement throughout the public and private sectors in response to community needs and issues.”

Vinson Mortgage Supports the American Cancer Society to help cancer patients. They understand that are undergoing treatment for cancer can be both financially and emotionally overwhelming. In an effort to ease the burden of cancer, the American Cancer Society provides free housing to cancer patients traveling to St. Louis for treatment.

Ray Vinson Founder and Chief Executive Officer Vinson Mortgage Group As Founder, Chairman and Chief Executive Officer of Vinson Mortgage Group, longtime mortgage equity guru Ray Vinson is on top and bigger and better than ever.  In the course of a 30-year career in the mortgage banking and brokerage business, Vinson has proven to be a skilled executive, visionary entrepreneur and inspiring leader.    His unmistakable voice on the radio airwaves, his uncanny knack for developing break-through marketing strategies, and his ability to attract top talent has elevated Vinson s companies to the highest levels of success.   Vinson is known within the industry as one who creates more leads through advertising than virtually any other mortgage business in the country.  Even during the most challenging times, Vinson s keen ability to focus his team on opportunities versus obstacles has set Vinson apart as a leader among his peers.   In July 2006, Vinson founded Vinson Mortgage Group (VMG), a mortgage banking company specializing in home equity loans, debt consolidation and new interests in the FHA market.  With contagious optimism that permeates the halls of VMG, Vinson is leading one of the fastest growing mortgage companies in the country, despite higher interest rates and a soft economy.   VMG operates in 10 states across the country and employs more than 100 talented professionals.  Vinson is closing in excess of 400 loans each month, which translated into more than $600 million in closed loan volume just during his first year of operation.   And, Vinson says he s just warming up! Even as a young man, Vinson had a zest for conquering the impossible. He began his career in the mortgage business in 1978 and has been with companies such as Modern Finance, Liberty Loans, Universal Guardian and Diversified Mortgage.  On April 1, 1992, Vinson founded American Equity Mortgage with $7,000 that his grandmother gave to him, which was all Vinson had to his name at the time. After a first year loan volume of $30 million, Vinson grew that company to an annual loan volume of $3 billion at its height of success, closing 2,300 loans per month.   Vinson has been recognized by St. Louis Commerce Magazine as Entrepreneur of the Year and he has received several marketing awards for his innovative, break-through marketing strategies.   He is very active in the community and involved in various civic organizations including Old Newsboys Day, St. Louis Variety Club, the Ronald McDonald House, The Steven Jackson Foundation, and Child Center

Marygrove.  Vinson is also an Honorary Board Member of NAMI St. Louis, along with County Executive Charlie Dooley, Mayor Francis Slay, and Gold Medal Olympic athlete Jackie Joyner-Kersee.

I am refinancing my mortgage. I currently have an escrow account and am electing to not have an escrow account with my new mortgage. Can the bank use the money that is already in the escrow account to pay down the refinance ammount or should I be getting this refunded back to me? I was told I would not be getting this money back so I can put it towards paying the taxes and insurance myself, eventhough that is what the escrow account is for.

Many defenders of the home mortgage interest deduction claim, as their central argument, that it makes housing more affordable for middle-class families. However, because of the nature of the tax system, this deduction does not necessarily provide incentives to everyone—nor does every debtor who pays interest on a mortgage pay lower taxes. The reason is that not all tax-filers use the itemized deductions that allow them to deduct their interest payments, and those who deduct are concentrated in the higher tax brackets while those who take the standard deduction are concentrated in the lower brackets. Moreover, it is important to recognize that the mortgage interest deduction is not precisely a deduction on home ownership. Homeowners are not allowed to take it against the part of the home they own (the down payment and prior repayment of principal). Instead, they can only take it against the part of the home they borrow. For these reasons, the mortgage interest deduction is an inefficient tool for increasing homeownership, since its primary effect is to encourage Americans who would have already been able to afford a house to take on even more debt.

Reuters is reporting that the Department of Justice, nearing agreement on a $20-25 billion mortgage abuse settlement with five banks, has reached out to additional banks in a move to broaden the impact of the settlement and increase its total amount.

Having had its main economic control tool, interest rates, hijacked by world events, the federal government has decided to cool the housing market, and limit household debt by simulating a rate increase with another round of rule changes for high-ratio mortgage borrowing. This is the 4th time in 4 years the government has waded into the market to tweak mortgage rules to reduce the debt appetite of Canadians. “Previous rule changes had some effect in countering the stimulus provided by historically low interest rates but failed to stop Canadian household leverage from increasing,” Moody s analysts William Burn and Andriy Stepanyants said in a recent report.

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“We had the St. Cloud Chamber officiate a ribbon cutting ceremony on Wednesday. It was a great way to meet many of the Chamber members, make some great connections and also celebrate that our newest community Legacy Park is open and going strong!” - Gail Bonnstetter, Marketing Manager, Park Square Homes

Legacy Park by Park Square Homes is a beautiful, single family home community located in Kissimmee. This gated community offers spacious floor plans ranging from 1,811 square feet up to 3,075 square feet with prices starting in the $190’s. Conveniently located just minutes from Florida’s turnpike and Highway 192, you can spend less time commuting and more time living. Learn more today!

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