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February, 2009
Fair Debt Collection: Protections for Consumers
Piling new debt on top of old is never smart, but in today’s economic environment, it’s downright dangerous to accumulate debt you cannot readily repay.
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February, 2009
The Rewards of Refinancing
More and more homeowners are finding that their home’s equity can be a powerful financial tool. You can leverage your home’s equity to help you get onto solid financial footing.
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January, 2009
Consolidate Your Debt
If you have high-interest debt, you might want to consider consolidating your debt into one affordable monthly payment. If you're a homeowner, getting a debt consolidation loan in the form of a home equity account or cash-out refinance is a smart way to manage your debt.
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December, 2008
January 1 is the 403(b) Compliance Deadline - Is Your School District Prepared
IRS regulation changes are forcing school districts to take more responsibility for plan recordkeeping and monitoring individual accounts for their 403(b) supplemental retirement plans. The IRS has given school districts until January 1, 2009, to ensure their 403(b) plans are in compliance with the new regulations.
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December, 2008
Don't Let the Grinch or Anyone Else Steal Your Identity
Identity theft is a problem any time of year. While consumers are focused on giving during the holidays, crooks are focused on taking. Having your access to credit suspended or compromised during the largest shopping season of the year puts a damper on anyone’s good cheer.
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December, 2008
Deciding to Refinance
When you refinance your mortgage, you're actually replacing it with a brand new loan. In doing this, expect to go through a mortgage application process similar to what you experienced with your original mortgage. Refinancing can be a sound financial choice that allows you to meet a variety of needs.
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November, 2008
Investing in a Volatile Market
With the extraordinary ups and downs of the stock market in recent months, investors are understandably shaken. Confidence has dwindled, and many investors are questioning the wisdom of staying in the market. What should you do with your 403(b) retirement plan that you contribute to each pay period?
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November, 2008
Paying for Home Improvement Projects
You may be asking yourself how you're going to pay for all your remodeling ideas. As a homeowner, you're in an ideal position to use the growing equity in your home to finance home improvement projects. This is one of the smartest means of financing because it allows you to:
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October, 2008
Tips on Avoiding Foreclosure
Getting into the house of your dreams is just the first step. The long-term objective is staying there. However, if making the mortgage payment is a struggle month after month, or if it is going to present a hardship to the family, then other options should be considered.
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October, 2008
Understanding Your Credit Score
The first step toward leaving credit challenges behind is understanding where you are right now. Because your credit report is used by lenders to assess your finances, it’s a good idea to review it yourself beforehand. This gives you the chance to correct any errors and identify any continuing problems.
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September, 2008
NEA Dues Allocation Pie Chart—2008-2009
YOUR 2008-2009 NEA DUES DOLLARS
The following is a breakdown of how the $158.00 (ESP $91.50) in NEA dues are allocated to support and represent members and affiliates in their efforts to achieve the mission of NEA.
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September, 2008
403(b) Compliance Deadline Drawing Near
School districts across the country are feeling the pressure of a January 1, 2009 IRS compliance deadline for their 403(b) plans. IRS regulation changes are forcing school districts to take more responsibility for plan recordkeeping and monitoring individual accounts for compliance to plan rules.
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June, 2008
Seeking Pre-approval for a Mortgage
A pre-approval is your lender's written commitment to finance your home purchase up to a specific amount pending specific property details. Getting pre-approved before shopping for a home is a smart move for serious homebuyers because it shows sellers that you come to the negotiating table ready to complete the transaction.
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May, 2008
Getting Ready to Buy a Home
Financial preparation is the first and perhaps the most important step in the home buying process. Get ready for your purchase by taking a careful look at your finances, especially your savings, credit, income, and debt.
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April, 2008
Should I Renovate My Home or Move?
Is your family outgrowing your current home? Do you still love the area and not wish to leave the neighborhood? Then you may want to consider renovating or adding to your current home rather than moving. Take a close look at both options, so you can make the best decision for your needs.
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April, 2008
Travel Insurance: Are You Covered?
With the summer season approaching, you may be thinking about ideas for vacations and travel. Before you make your final vacation plans, you may want to consider protecting your “investment” by purchasing travel insurance.
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March, 2008
Choosing a Home Loan
Selecting the mortgage that is right for you is central to the home buying process. That's why it's so important to understand your options. You'll need to consider two things at the outset: which loan type best meets your home buying needs, and which loan term offers the most advantageous repayment schedule.
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February, 2008
Refinancing Checklist
Whether you want to improve the terms of your current mortgage or leverage your home equity for an important purchase, refinancing lets you take advantage of your most valuable asset -- your home.
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January, 2008
Consolidate Your Debt
If you have high-interest debt, you might want to consider consolidating your debt into one affordable monthly payment. If you're a homeowner, getting a debt consolidation loan in the form of a home equity account or cash-out refinance is a smart way to manage your debt.
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January, 2008
How to Select a Credit Counseling Agency
The last thing a consumer needs when struggling financially is to fall into the hands of an unscrupulous credit counseling agency. If you’re considering using a credit counselor, shop around, and ask each agency the following questions. More importantly, be certain that you are comfortable with their answers before you book that first appointment. A legitimate agency is always more interested in your bottom line than theirs.
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December, 2007
Deciding to Refinance
When you refinance your mortgage, you're actually replacing it with a brand new loan. In doing this, expect to go through a mortgage application process similar to what you experienced with your original mortgage.
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October, 2007
Understanding Your Credit Score
The first step toward leaving credit challenges behind is understanding where you are right now. Because your credit report is used by lenders to assess your finances, it’s a good idea to review it yourself beforehand. This gives you the chance to correct any errors and identify any continuing problems.
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September, 2007
Avoiding Private Mortgage Insurance
Looking to make less than a 20 percent down payment on your home? This could increase the overall cost of owning your home. Most lenders will require you to purchase private mortgage insurance to secure your loan if you put down less than 20%.
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August, 2007
403(b) Regulation Changes to Impact School Districts—NEA Members May Have Limited Choice in Providers
School districts and other employers will have greater compliance responsibilities for their 403(b) retirement savings programs as a result of revised regulations the IRS announced July 23.
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August, 2007
Low and No Down Payment Mortgage Programs
Don't have enough money for a down payment? Today, most lenders offer mortgage programs that address the needs of home buyers who: have strong current income but not a lot of savings, prefer to keep their assets in higher-yielding investments, are first-time home buyers whose high rents left them strapped for cash, have low-to-moderate income and few cash reserves, or are move-up buyers looking to buy a larger home without large cash reserves.
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July, 2007
The Right Mortgage for You
As a prospective homeowner, you have a wide range of loan options to choose from. Basically, home mortgage programs fall into one of the following categories: Government loans, Conventional loans, Jumbo loans, Alternative financing, and Self-employed financing.
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June, 2007
Retirement Savings: Starting Early is Crucial, But Catching Up Can Help
Compound interest is a concept that dates as far back as the Babylonian empire. When it comes to your retirement savings, it’s a powerful force over time.
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June, 2007
Getting Pre-approved for a Mortgage
A pre-approval is a letter telling you that a mortgage lender will lend you a certain amount of money to buy a home, subject to a property appraisal and other stated conditions.
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May, 2007
Getting Ready to Buy a Home
Financial preparation is the first — and perhaps the most important — step in the homebuying process. Get ready for your purchase by taking a careful look at your finances, especially your savings, credit, income, and debt.
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May, 2007
Who Gets the Money? Keeping Your Beneficiaries Current
Who receives the proceeds of your life insurance benefit? If you didn't designate a beneficiary, or haven’t checked it lately, don't be so sure.
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April, 2007
Before You Buy a Home
Before you start the process of buying a home, ask yourself these six questions:
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March, 2007
Paying for Home Improvement Projects
You may be asking yourself how you're going to pay for all your remodeling ideas. As a homeowner, you're in an ideal position to use the growing equity in your home to finance home improvement projects.
