USDA Loans: The most affordable home loans in America

Very few Americans know that the United States Department of Agriculture (USDA) is involved in the mortgage business. That’s too bad because USDA loans are the best bargain out there if you are strapped for cash and want to buy a home with little or no money down. You do not have to be a first-time home buyer to qualify, you don’t have to have fantastic credit and USDA loans cater to both low income and moderate income borrowers.

While the USDA does not directly make loans to home buyers, it does issue special financial guarantees to insure loans that those(…)

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Tom Kerr

Tom Kerr has been a published, award-winning writer, author, and journalist for more than a decade. He currently contributes to CompareCards.com, among other publications.

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How to Prepare for the Next Stock Market Crash

The stock market is in an extended bullish phase that has seen the Dow hit all-time highs and then repeatedly break those records while going even higher. Inexperienced investors are thrilled and excited by that, pouring more money into the market as stock prices rise, hoping to strike it rich. Meanwhile, more seasoned investors tend to get a little nervous when everyone else is giddy and euphoric because they know that the stock market always retreats, and sometimes crashes, after a dizzying climb.

How long the bull market will continue is anyone’s guess, and right now could be a smart time(…)

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Tom Kerr

Tom Kerr has been a published, award-winning writer, author, and journalist for more than a decade. He currently contributes to CompareCards.com, among other publications.

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Killing Time with Free Online Games

Online games are sure to take a lot of a person’s day away. People can play these games for hours and forget about everything else that is going on in the world. There are some people who use these games only to pass short periods of time. Technology has given a large variety of free games for people to play.

What Happened To Reading Books 

In the past, the only way to pass time was to read a book, play a board game, or play a card game. Reading a book was always a good way for a person to build their(…)

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I Received a Consent to Rate Request, Now What?

Lately many homeowners across the USA have received notices from their insurance companies that include a document called a Consent to Rate form. The letter explains that due to the higher cost of insurance coverage, the insurer has experienced a rise in claims.

By the time you get that far in the notification letter you start to see the writing on the wall and know where this conversation is headed. If you’re like me you will skim past all the cordial and apologetic spin doctoring that attempts to portray the insurance company as a victim of unforeseen and unpreventable circumstances. You(…)

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Tom Kerr

Tom Kerr has been a published, award-winning writer, author, and journalist for more than a decade. He currently contributes to CompareCards.com, among other publications.

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The Golden Rule of “For Sale By Owner”

As the housing market is recovering significantly and allowing homeowners to ask for higher prices, the desire to hold on to those profits is also growing stronger. The largest expense for most sellers is the commission paid to their real estate listing agent, which typically averages about 5-6 percent. That’s why For Sale By Owner (FSBO) is an alluring alternative to hiring a Realtor. Before deciding how to approach the do-it-yourself route, however, you need to know that there is one rule you cannot afford to ignore.

List Your Home on MLS

The first rule of FSBO is that you can do(…)

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Tom Kerr

Tom Kerr has been a published, award-winning writer, author, and journalist for more than a decade. He currently contributes to CompareCards.com, among other publications.

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Three Financial Tips for the Self-Employed

Those who are self-employed enjoy lots of intangible perks by being their own bosses, but they also encounter uniquely vexing financial challenges. A classic example of what I mean is often experienced by real estate agents and loan brokers who work on commissions and operate as independent contractors. Ironically, because they are self-employed, it can be especially hard for them to qualify for a mortgage loan to buy a home.

Some challenges self-employed individuals face is a lack of a retirement fund and affordable health insurance. Tens of millions of self-employed parents couldn’t afford to provide health insurance for themselves or(…)

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Tom Kerr

Tom Kerr has been a published, award-winning writer, author, and journalist for more than a decade. He currently contributes to CompareCards.com, among other publications.

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2014 Stock Market Predictions

Investors at all levels are always keen to hear and make predictions about what the stock markets might do over the course of a financial year. While accurate predictions are hard to come by, these predictions can actually be far more than speculative.

The ups and downs seen on the stock market are sometimes a direct result of confidence in the market. In this sense, market predictions are often considered to be something of a self-fulfilling prophecy. That is to say that if a lot of people think a stock will perform well, it probably will. With this in mind, let’s(…)

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Paying for your Car

Congratulations, you’ve bought a new car! Now the question is, what is the best way to pay for the loan you had to take out to get it? The answer to that question depends on your financial situation. However, the quicker you can pay off the loan, the better you will be. As long as you have a balance on your loan, it will be racking up interest charges and costing you more and more money.

One way to repay your car loan is in one lump sum payment. Has your tax return come in? Has some other large sum of(…)

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