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Personal and Business Finances

Plan the Life You Want.

As is often quoted, the best laid plans of mice and men often go astray. But, that is not an excuse not to plan. Planning is all about the things you can control, and at the same time being aware of economic, social, and business trends that will affect you and your family.

Financial Trends

fiancial trendsMany financial trends sneak up on us if we do not keep up with the news both in general and in business. Even if we are not involved in a business directly, business trends have an effect on everyone's lives. For example, automation that will extend into our every day lives and will likely affect the way we live and work.

The best way to keep up with trends is to read reputable newspapers and magazines which should include career related trade journals. You can also find blogs online that discuss subjects in your field.

Jun 15, 2019
Business Loans
Money for your business
Apply for a small business loan with one simple application and get several offers. Lenders will make offers based on your business credit and income. It cost nothing to apply so it is worth a few minutes to see what kind of loan offer suits your needs. More info...

Jun 5, 2019
Commercial Real Estate Loan Application
Best Loan Terms Your Way
A commercial loan application is very similar to a business plan. The lender wants to know how it is going to be repaid and if your plan makes economic sense.

Essential documents for a solid commercial real estate loan package are listed below. Prepare a binder containing all the documents with descriptive tags for each section. More info...

Jun 3, 2019
A Financial Checklist for Your Newly Minted High School Graduate
By Ron Lieber
The summer after high school graduation inevitably includes months long encounters with various to-do lists.
Extra-long-sheet purchases and milk crates for future collegians. A résumé for job seekers. Thank-you notes for all.
But let me suggest one more itemized offering: a list of financial tasks. If you want to set your child up properly for college, work, military service and the years beyond, there are several things you ought to do, help them do or teach them before too long. More info...

Jun 3, 2019
Having Trouble With Your Mortgage Servicer?
Know Your Rights
Rules for Mortgage Servicers to Protect Consumers
To protect consumers, the National Affordable Housing Act requires lenders or mortgage loan servicers to do the following:
Provide a disclosure statement.

The lender also must provide information about servicing procedures, transfer practices, and complaint resolution. More info...

May 30, 2019
Construction Loan Draw Schedule
Loan Disbursements During Construction
t is always a good idea to get a construction loan from a construction loan lender that will disburse the funds to the builder rather than you as the borrower. This assigns the responsibility for the disbursement of funds to the lender and assures professional inspections as the construction progresses. More info...

Apr 4, 2019
Automated Underwriting Speeds Mortgage Loan Approvals
by Gary R. Crum
Chances are, when you apply for a mortgage, your loan will be underwritten immediately by a computer.

While automated underwriting will not solve every loan problem, it certainly makes buying a home faster, better, and cheaper for most home buyers. More info...

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