New Contribution LimitsThe Internal Revenue Service has announced the maximum contributions that people insured under a Health Savings Account (HSA) plan can make. The maximum amounts will increase, and the minimum deductible amounts will also increase.The maximum contribution that can be made to an HSA (the Health Savings Account that you have at a bank) in 2010 for insured individuals with single coverage will be $3,050, up from $3,000 in 2009....more
You might be finding it hard to pay your monthly mortgage because of the troubled economy, falling real estate values or changes in your personal finances or a combination of these. Whatever the cause of your financial difficulty, you need to investigate a loan modification. You might be so desperate you feel like grabbing on to whatever help you can get and working with the first company that promises you hope. Be careful. Loan modification...more
Homeowners facing unaffordable mortgage payments can get help from their lenders by writing an effective loan modification hardship letter. It is important to tell your lender about your current financial situation and the reasons you are seeking loan modification. A good loan modification letter should be brief, but make sure to address the 3 important questions your lender wants answered.It is a good idea to follow an outline while you are writing your hardship letter. This will help you organize what you need to say and make sure you don't leave out something your lender will ask about. If you address the following 3 areas, your lender will be more likely to work with you to modify your loan.1. Briefly describe your current financial situation. Has someone lost a job or had their hours reduced? Is your family facing high medical bills? What other financial hardships are you facing? Do your best to explain to the bank why you are seeking loan modification.2. How long have you been facing financial difficulties? Be sure to make the link between your financial situation and any missed or late payments. If you do not yet have late payments, or will soon be in default, let your bank...more
As many homeowners struggle with mortgage payments that are beyond their current means, it is imperative to know the proper way to compose a loan modification hardship letter. Informing your lender of the circumstances surrounding your current economic difficulties is imperative, but it is equally important to explain to the lender the factors that...more
Young children are full of dreams of what they will do, be, see when they grow up. As adults most of us have given up the habit of having big dreams. Or if we do, never following through with them. Why do so many people let their dreams die unlived? One reason is the negative cynical attitudes of other people. These people are not enemies they are...more
The Magic of Making Up review that will also help you, not just "blindly promote it"... Does it really help or is it a load of hype? It works really well, but is it right for you?Can you connect with these tips, then maybe it is for you...Tip #1 : Don't use immediate contact with you break up with your ex. It scares them away so you need to time it perfectly using T Dubs exact methods, and done correctly it works... It's just a matter of not being desperate, and slowly building that 'love feeling' again.Tip #2 : Do not look desperate or needy. I know it can be hard, but it looks very unattractive from the other party. The magic of making up has TONS of awesome information on how to 'look confident' and actually BE confident, which is extremely attractive for your ex... They are simple too, which is awesome.Tip #3 Do NOT become somebody who tries to "show your love" and use "logic" to get them back. It never works to convince somebody logically, because people act on emotion, not logic. Be powerfully and naturally attractive using the magic of making up's techniques.Tip #4 Work harder on yourself, not on 'them' or trying to 'fix them'. It's extremely hard to change a person other...more
Isnt it funny how easy it is to loan other people money; yet how difficult it is to persuade someone to give you money back? But I guess if youre the one who has had to shell out the cash, this isnt so funny at all. Unfortunately, this sort of...more
When a lender looks over your loan modification application, they are looking for specific things. You need to know what they are looking for so you can carefully complete your application and avoid simple errors.It is not hard to find out how to...more
Once youve decided to purchase your first home in the Tulsa area, there is a lot do to: finding your home, pre-qualifying, and financing your loan. With so many options, it can be confusing where you should start, but qualifying for your FHA loan...more
Obtaining a home loan can be a fun and exciting time, but learning the Tulsa home loans process before you start searching for your dream home can save you time and possibly even some money.Whether youre searching in the Oklahoma area or other parts...more
Filing Chapter 13 bankruptcy can benefit you if you have failed in all your attempts to get rid of your outstanding debt. With the help of Chapter 13, you can avoid foreclosure and also repay some or all of your debts over a specific time period; it...more
Diversifying your investments is one way to strengthen your overall portfolio, and it's one of the most popular in today's economic climate. Aside from varying your investments between stocks, bonds, and cash accounts, however, another popular option...more