WONDERING IF YOU SHOULD REFINANCE YOUR MORTGAGE?

Posted by Molly Greaves 
According to Money Magazine’s January 2009 issue, they say you should use these three things to help you decide if it makes sense for you or not.
Last year, the average rates on 30-year fixed loans plunged to 5.1%, their lowest level in decades.  IF the three statements below describe you, a refi might [...]

Why Ask For An FHA Loan?

 
 
 
 
 
By Molly Greaves

With participating and studying in real estate investing, I’ve been spending a lot of time learning about first time home buying, Down Payment Assistance, etc. so I can help others figure out how to become a qualified home-owner while taking advantage of as many financial assistance programs as possible that are available to them.
Here [...]

What is the BIGGEST investment mistake of all?

By Molly Greaves
DOING NOTHING at all. In today’s world where it’s tough to make it for many, even in a 2 income household, it is still imperative to save and plan for the future. I’m going to purchase some real estate soon to help build my net worth, but I also think paper assets are [...]

Will you take my QUICK survey? It’s just 10 questions.

By Molly Greaves
I’d really appreciate it if you would share with me your attitude about money! It’s completely confidential, will take just 1 minute, and is even sort of cool, BUT I’m not going to twist your arm now or anything my friend. 
CLICK, CLICK, WINK, WINK. =)

Common Personal Finance Issues:

By Molly Greaves
Since I’ve been studying  money as a subject for years now, I’ve noticed that there are some common personal issues amongst us out there, and thought I’d categorize them for you. Since I see numbers as black and white and don’t really attach emotion to them, many people talk with me about their [...]

When YOUR neighbors buys a Jaguar…

By Molly Greaves
If one of your neighbors buys a Jaguar, it looms larger in your mind that the mini-van that your friends and other neighbors drive.
I know this sounds crazy, but I offer you some unconvential advice: if your high spending pals are a problem, find some new ones. That doesn’t mean cut them off, [...]

Study: Most middle-class retirees WILL OUTLIVE savings

By Molly Greaves
I am a proud subscriber of the Austin Business Journal, and wanted to pass along this posting today that I found…
Monday, July 14, 2008 – 12:38 PM CDT

Study: Most middle-class retirees will outlive savings
Austin Business Journal

Almost three out of five new middle-class retirees will outlive their financial assets if they keep up their [...]

Austin companies considering four-day workweeks. Switch cuts costs, saves energy, boosts morale, employers say.

Austin companies considering four-day workweeks
Switch cuts costs, saves energy, boosts morale, employers say.
posted by Molly Greaves from the Austin Statesman By Regina Dennis
AMERICAN-STATESMAN STAFF
Monday, July 14, 2008
With energy costs on the rise and gas prices hovering around $4 a gallon, some employers are proposing a solution likely to delight many workers: mandating a four-day workweek.
The notion [...]

INFLATION–Current Rate AND Keeping YOUR Purchasing Power…

 

By Molly Greaves

If the inflation rate grows faster than your investment’s rate of return, it can cause your savings–and your purchasing power–to erode. To maintain your purchasing power, you need to earn a rate of return higher than the inflation rate. Currently, the US inflation rate is about 4%. 

WHY I LOVE ROTH IRAs!

by Molly Greaves
Unlike a 401(k) you get no tax break on the dollars you put into the Roth, but you get to withdraw your money tax-free when you retire.  I think it’s a great hedge against higher taxes in the future. I dont know about you, but I only see them continuing to rise as [...]