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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.

May 7, 2020
Cash Flow and Cash Reserves
G.R.Crum
Recent events have highlighted the need for small businesses to be able to manage cash flow. Cash flow represents the amount of money coming into the business and going out during a month. Cash flow is represented by income and expenses due in any given month. More info...

May 6, 2020
Farm and Ranch Loans
How to Get Land Loans for Farms and Ranches
Community Credit farm and ranch Land Loans can be used to purchase land, livestock, equipment, feed, seed and farm supplies. They can also be used to construct new buildings or make improvements on your farm.

Beginning Farmers
Community Credit farm and ranch loans are often provided to beginning farmers or ranchers who cannot qualify for conventional loans because they have insufficient financial resources. More info...

May 6, 2020
Mortgage Rates Lowest in History
Its' a good time to refinance - check out your monthly savings with the mortgage calculator
Mortgage rates have never been lower and now is an excellent time to shop for a refinance of your present mortgage. By using a mortgage company that can give you bids from several lenders you will be sure to get the best deal. You can use this mortgage calculator to compute your new payment. More info...

May 6, 2020
Mortgage Payment Forbearance
Delaying your mortgage payment.
If you can't make your mortgage payment be sure to contact your lender and ask for a delay or forbearance of your monthly payment. Many lenders will allow this for a month or two, but require you to make up the payments over time. By contacting your mortgage company before you miss a payment you can avoid having your credit damaged. More info...

May 4, 2020
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. And the automated underwriter approves more loans than those underwritten by people.

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...

May 4, 2020
The Trump administration projects about 3,000 daily deaths by early June.
Increasing from current 1,750 deaths per day
As President Trump presses for states to reopen their economies, his administration is privately projecting a steady rise in the number of cases and deaths from the coronavirus over the next several weeks, reaching about 3,000 daily deaths on June 1, according to an internal document obtained by The New York Times, nearly double from the current level of about 1,750.

More info...

Apr 24, 2020
Refinance Your Mortgage Now
Rates are lowest in history.
Save thousands of dollars on your mortgage by refinancing while interest rates are low. Many homeowners have already begun the process because saving money is more important than ever. Us this online mortgage application to get started on your plan to save money. More info...

Mar 30, 2020
How the coronavirus will change closings, home prices and what�s on the market
By Ilyce Glink and Samuel J. Tamkin
We�re only getting one question recently, although it comes in many forms: How will the new coronavirus impact the real estate market?

As of this writing, buyers are still buying homes and sellers are still selling. Sam has received several contracts in a few days, although his office phone isn't ringing as much as normal. Ilyce has been talking to would-be sellers and buyers (and getting plenty of email) suggesting that people want to buy or sell, but they're nervous. So are brokers, title companies and everyone else involved in real estate transactions. More info...

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