What You Pay, Rates, and Election Years - 10/31/08 04:19 PM
This week we are ending and about to begin a new era as a new president will be elected Tuesday, November 4, 2008. As talk continues about how bad the economy is one thing remains--people need money!
In 1976, the year of the Bicentennial Celebration, mortgage rates averaged a whopping 8.87% for the year for a thirty year fixed rate mortgage (www.freddiemac.com). It was an era of new optimism, a new point in history, and an election year.
As we move forward in time interest rates hit some of their highest points in history before 1984. In 1984 they averaged a … (2 comments)

Attractions in Central Alabama - 10/23/08 08:32 PM
Thursday, October 23, 2008

Attractions in Central Alabama   Image by Southernpixel via Flickr Things to do in Central Alabama The central Alabama area is filled with many trees, roads, and windows of opportunity for visitors and residents alike. As I live in the Birmingham metro area I am writing some brief information about attractions in the area. Bass Pro Shops Leeds, Alabama (off exit 140 on Interstate 20 in Leeds, Alabama) Opening November, 2008 this will be a "destination" per Harley Willis, store manager. The company expects 20,000+ visitors on an average Saturday. This Bass Pro store is beside … (0 comments)

Declining Values---Tax Reassessment? - 10/13/08 11:08 AM
Local municipalities seem to want your money and just will not let it go.
With the shrinking economy how many people have considered property reassessments for their now "devalued properties"? Government officials will not automatically "write down" the assessed value for your home. As the economy continues to shift this is ever more apparent.
As a property owner or potential property owner one should contact the assessing authority and request a revaluation. Or, as a next step, pay for an appraisal and present it to the proper taxing authority. Many areas throughout the country are now experiencing these issues. For instance, after the hurricanes in 2004, Florida saw … (4 comments)

Home Sellers--10 Tips to Help Survive Tough Times - 10/06/08 04:19 PM
www.stclairlender.blogspot.com
Many of us have to move either by marriage, death, divorce, or job transfer. However, now is more often than not the right time to even consider having to doing so. Tides are still turning with lower values throughout the U.S. Further, most people are scared to think about tomorrow much less the thought of looking for a new home especially with the price of everyday necessities---gas, food, and just keeping the lights on.Should you be one of those facing these uncertain days and in need to sell their home here are a few helpful hints to get you by:1) … (7 comments)

Credit Cards--The Good, The Bad, The Ugly - 10/02/08 12:06 PM
Thursday, October 2, 2008

Credit Cards--"The Good, The Bad, The Ugly"  Credit cards maybe about to become a better product for the average American consumer. Typically, if one paid even a day late guess what a consequential "rate hike" occurred. Also, should one carry a higher balance then "those good ole boy's" tended to jack our rates up even more while lowering the limits in the process. Credit card companies pushed for tighter bankruptcy regulations and made the new laws enacted in 2005 even harsher should one find themselves in the unfortunate position to need to file for bankruptcy protection.Most … (4 comments)

 


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