How to Get the Best MortgageWritten by John Mussi
This is a guide on how to get best mortgage deal. Do not rush into first offer that is made to you even if you are in a hurry for a mortgage. Take your time, check out what is on offer from local banks, building societies and mortgage brokers. The more time you spend doing this will equate to greater savings on your mortgage. Remember for most people it is something that they will only do once, so do it right!Shopping around for a mortgage will help you to get best financing deal. A mortgage—whether it's a home purchase, a refinancing, or a home equity loan—is a product, just like a car, so price and terms may be negotiable. You'll want to compare all costs involved in obtaining a mortgage. Shopping, comparing, and negotiating may save you thousands of pounds. Get quotes: Different lenders may quote you different prices, so you should contact several lenders to make sure you're getting best price. You can also get a mortgage through a mortgage broker. Brokers arrange transactions rather than lending money directly; in other words, they find a lender for you. A broker's access to several lenders can mean a wider selection of loan products from which you can choose. Get Costings: Be sure to get cost information about mortgages from several lenders or brokers. Know how much of a down payment you can afford, and find out all costs involved. Knowing just amount of monthly payment or interest rate is not enough. Ask each lender and broker for a list of its current mortgage interest rates and whether rates being quoted are lowest for that day or week.
| | Structured Settlement – Guaranteed Income for those with DisabilitiesWritten by Charles Essmeier
Up until twenty years ago, anyone who won a lawsuit as a result of a claim involving worker’s compensation, wrongful death or accident had to accept a lump sum payment as their compensation. The payment would be intended to be invested, with beneficiary living off of proceeds for as long as their recovery was expected to take. In many cases, this type of settlement works fine, but in other cases, results are a disaster.
It is difficult enough for someone who has been through trauma of an accident or illness to have to adjust to a new lifestyle without having to also become an expert in art of financial investing. If you have been active all of your life and you suddenly find yourself in a wheelchair and having to handle assets of several hundred thousand dollars or more, you could be overwhelmed. You could hire someone to handle investments for you as well as tax issues, but what if person you hired wasn’t trustworthy? What if you hired a greedy relative who took all of money? What if you hired someone incompetent?
These problems, and statistics that show that people who receive large sums as compensation for accident, injury, or wrongful death often spend all of their money in a short
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