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This is exactly what happened: A broker went to a family and told them that home prices were going up. (They were). They were told if they could afford a $100,000 house, then what they should do is take out a mortgage for $120,000, take the $20,000 up front, upgrade the house, and in one or two years the house would be worth $200,000 which they could then sell at a profit. (It's called 'flipping', and was so popular there were even TV shows made about it). People saw these TV shows and their neighbors all making this work and said "why not me too?" Sounds like a good investment, yes? The reason the broker did that was because the higher the loan, the more of a commission he made. In my opinion, it was the bankers and brokers that caused the meltdown by knowingly "snake oil selling" to people who were unsophisticated buyers. And if you think there are no unsophisticated buyers out there, ask any of Bernie Maddof's clients. http://www.aetv.com/flipthishouse/@padu: the government did not "force banks to lend money" where is your source for this?

needed to obtain a 30-year home mortgage loan of A thousand dollars at an interest rate of 6%. What do the following quantities represent in terms of the income needed for a loan? (a) f(100) b f inverse (75)

I believe I am a typical 33 year old, married male, who earns a decent living and manages/invests my money well, i think, but I am not 100% sure.  Most articles and research I see highlights either the super rich or people who have tanked. I make between 150k and 185k p/year depending on bonuses.  My pay has risen sharply over the past 5 years with some promotions and I've increased my investments along the way.  Here is a high level breakdown of my financial situation: Debt: 22k school loans (combined wife and mine into single low interest loan) Home - owe 350k on a home worth about 420k.  I pay an additional mortgage payment per year automatically by spreading that payment out into 12 monthly payments. Auto - owe about 2500 on a 2004 Durango.  I pay $500 per month so I am almost done with that.  I plan to continue to dump $500 per month into an account after this car is paid off.  The hope is to drive this car for 3-4 more years and use the money from that fund to buy a new, more energy efficient car, using cash. No other debt Account balances: 20k emergency fund in Ally Bank savings account.  I place $100 dollars per month automatically in this account each month. 10k in liquid savings account.  I put left over money manually into this account monthly.  I try to keep this at 10k at all times. 100k in 401k all invested in Fidelity 2040 target fund.  I now max 401k each year.  My company doesn't do a match.  They dump profit sharing into the 401k yearly regardless of if I invest into the account or not. 11k in Traditional IRA all invested in Fidelity 2040 target fund.  I now max this out at 5k each year with monthly automatic payments. 1k in newly opened Traditional IRA I opened for my wife.  I plan to max this out now yearly at 5k and this is also invested in Fidelity 2040 target fund. 5k in 529 college fund invested in growth strategy fund in Illinois Bright Start fund.  I automatically invest $300 per month into this account. Donations: I donate about 3k to church tithes yearly (I should do better here) Other than that, that is my financial situation.  I spend just about everything else per month on entertainment, food, bills, etc. for my wife, myself, and two year old daughter.  We plan on one more child and other than adding an additional $300 to another 529, my current financial plan would stay the same. Other than maybe some better budgeting to leave some money for some short term investing, is there anything else I should be doing?  Anything I am doing I shouldn't be doing?  I know Target fund approach seems lazy but I work and travel a lot and just don't have the time to micromanage my portfolio. From goals perspective, I want a few simple things. 1. Retire early if possible 2. Pay for some or all of kids college 3. Pay for daughters wedding Again, most investment advice doesn't seem to be geared towards someone like me so any advice is appreciated.  I just don't want to "think" I am doing ok if I could be doing something better.Thanks for the candid feedback Steven. I don't disagree with anything you said. I can definitely do more with my income. I think I should hit up a financial advisor to dig even deeper and get me on the path you outlined below.

I'm 20 years old and kinda in a bad position. I really need a new car because the one that I have is rusted so bad underneath that it's literally falling to pieces. I found a car that is being sold from a private owner that I want really badly but he said that he would only accept $4,000 cash or check for the car. I have a little over $1,500 saved up that I can put down on the loan for a down payment and I definitely have enough income to make monthly payments but the only problem is my parents have never been able to be approved to cosign for a loan because they have terrible credit and no one else in my family can do it right now either. Plus I have a college loan that I'm making payments on but only $50 a month and the only other bill I pay is gas to put in my car and food when I'm not home. I still live with my parents and they provide everything else so I'd say I have about $100 going out every month and I make about $450 every month. So I can afford payments but since I don't have any credit history and can't get cosigners I don't really know where to turn. Any advice I really need some help here. :)Also just to add to it...I do have $1,500 that I can put down and the guy I want to buy the car off of is a private seller, just a guy that posted an add online. So the car I really want is not a dealer so I need to get whatever loan I can from a bank or something (just a money loan so I can pay the guy). I'm asking if I can get approved anywhere for that not for a dealer car...Are there places my parents could get approved as cosigners even if they have bad credit? If not like I said I'm on my own. Anyone want to give me $4,000? =)Hey guys, thanks for the answers, one thing I am noticing though is that a lot of people are giving me more advice on how to look at used cars then where to look for loans. I already know the car I want and it's in great shape and my dads a mechanic and he checked it out and said it will be a good car. The only issue I face now is getting the money to buy the car off of this guy so I was asking if anyone knew of somewhere I could get $4,000 to give the guy. Either loans or if someone wanted to bless me :) In any case, the advice I was looking for was for the money not on the car. So if anyone knows of a bank or private lender I can get the money from let me know. Thanks.

heres the story in short. im 19, go to uni, live about 50miles from my ex who is also 19, she only has a part time job. we went out for a year and a half, broke up, relationship was not a happy one. about a month ago we slept together. now shes pregnant. and its definately mine, we did a test saying how many weeks she is pregnant and it matches. what do i do? i dont want the baby, because of our age and because im at uni, we're not together, and dont want to get back together because we feel we hve to because of a baby. because it would never work. financially i cant support because im already loaning money off the government to pay for uni, i cant drop out because then for the rest of my life i wont have the career i want. getting a part tim job i will obviously do, but i cant afford to pay for my self to live and provide for a child that id barely get to see. my ex though wants the baby. her parent are 100% behind her, said she can live at home for as long as she wants, will help her in any way, and ive been told i can have as much involvement as i like. im not gonna run away obviously though, its my child and i want to be a dad to the child, because i cant take it out on the baby for my mistake - if she decides to actually keep the baby though. i really cant see it working, non of us are financially stable i live ages away so will miss everything pretty much, our families hate each other because the break up was not a nice one. how can i talk sence into her that this is not the best thing to do and could ruin our lives? also, because i cant see me convincing my ex to abort the baby, any advice on telling my parents?my mum and her boyfriend i think will be supportive, so not to scared about telling them, my dad and his wife though, they arent as nice as my mum and her boyfriend lol so petrified of telling them :( as much as advice possible please, i really dont know what to doim not looking for sympathey, looking for advice. the child was not planned which means it was a mistake. im not trying to force her into doing anything she doesnt want to do. i just wanted to be involved in the decision she was making. because i think i have just as much right to this as she does. takes two people to make a baby not one. and it affects both parties lives not one. i was looking for advice. not tips on how to force her to give up the baby. i even said straight away i wasnt going to run away, but be a real father. i just want advice on how to do this whilst being a university student, because in this day and age getting a proper career without a degree is very difficult, so i dont want to be a dad that works at asda all his life, earning next to nothing, and cant give his child everything they want. so im not being one of those guys that looking for a way out, and force her to do something she doesnt want, im looking for advice to get her to realise it wont be easyalso its not that i dont want the baby. ill love it with all my heart obviously. but we are both not ready for this, and in 5years down the line i see us living in a council estate living off benefits. because neither of us are financially stable. im trying to be sensible and caring about this at the same time which is extremely difficult. if she wants to keep the baby, i will support her in everyway possible. and be there for her all the time. we just arent ready for it, this young and in our situation. i was madly in love withthe girl, but up until 12hours ago we werent talking to each. and the time we slept together last month we had safe sex, the condom split so would appreciate people not saying should of wore a condom now suffer the consequences im looking for advice on how to deal with this situation or if anyone has been in it before and how they handled it im 19 for christ sake only just moved out and got my own independance i have no real life experience just advice pleasealso its not that i dont want the baby. ill love it with all my heart obviously. but we are both not ready for this, and in 5years down the line i see us living in a council estate living off benefits. because neither of us are financially stable. im trying to be sensible and caring about this at the same time which is extremely difficult. if she wants to keep the baby, i will support her in everyway possible. and be there for her all the time. we just arent ready for it, this young and in our situation. i was madly in love withthe girl, but up until 12hours ago we werent talking to each. and the time we slept together last month we had safe sex, the condom split so would appreciate people not saying should of wore a condom now suffer the consequences im looking for advice on how to deal with this situation or if anyone has been in it before and how they handled it im 19 for christ sake only just moved out and got my own independance i have no real life experience just advice pleaseim NOT LOOKING FOR ADIVICE ON HOW TO GET MY EX TO GET RID OF THE BABY! im looking for advice to make her realise how god damn hard this is going to be. at the moment she is living with the fairies and thinks everything will work out. im asking for advice on how to talk to her, get her to make a god damn plan on how we are going to do this. how we are going to save money up to get what is needed for the baby. im looking for advice on how i can do both my degree and support the child. im looking for advice on telling my parents. NOT HOW TO GET OUT OF IT AND KILL THE BABY. yes if it was up to me i would probably abort the baby. but its not so im supporting my ex everyway possible. BUT RIGHT NOW SHE THINKS EVERYTHING WILL JUST SORT OUT WHEN IT WONT! thats what i want advice on, making her see reality and start thinking of how we can both do this working together and raising a child, not dragging it up on tesco value meals and primark clothes!

I will be graduating college and wont have a significant down payment for our next home. Are there any loans that I would qualify for? Thanks!!

I was just wanting to know if there were any loan officers or bankers on here who could help me out. I am curious if a person were to apply for a 15,000 dollar car loan or even a 100,000 dollar home loan, would you deny them if they had outstanding medical bills (about 2,000-6,000) ? Or does it just depend on the amount of the loan? Are medical bills usually ignored? I am asking because my boyfriend and I want to apply for a car loan soon, and maybe one day a house loan, but each of us have unpaid hospital bills ranging between 2,000-6,000. Other than the medical bills though, we have good credit. So will our medical debt possibly be looked over for a small car loan, but not the house loan? If you could tell me from experience if medical debt will or will not affect our chances for a loan,and any other useful advice I would greatly appreciate it.

Before you read this you shoul know that im very timid and my mother was from the south and if i say anything she dosent like (a.k.a. "disrespect") then i get beat. First of all both my parent work. My mom does like 14-16 hors a day normally and my dad wakes up at 4am and gets off at 1pm. So my parent have no time to do "parental" stuff. Leaving me the oldest to deal with my 2 little brothers of 9 and 11. im 16. I go to a high school on a university campus so i take collage classes and high school classes at the same time so my work load is huge also. I also like to do psychanalasis on people. ive readmny books and taken courses so i know what im doing. Well for a long time ive know the fact that my 9 year old is messed up. No parental attention or limits. the 11 year old bullies him like none other. and if i try to get involved i always get this line,"Were the parents we will deal with it." and i get grounded or whatever unusual punishment they feel like. I also have presented a very efficent method of saving money and energy and time that lossens up my parnts shedule but they never listen. With both my parnts combined we take home (after taxes) about 100-115 thousand a year but we are always tight on money here is why. My mother is addicted to cigerettes ("to calm herself down"), chips(no time to eat anything else), ice(frozen water not the drug) she has to buy it from a very expesive specifiic store. My dad cant go one day ithout at least 2 drinks. Other than that big money lasses are as follows, lighst are on all the timeeven during the day, same thing with tv even if no one is even in the house, my mom keeps windows open to drain smoke so its always cold so she turns the heater up, my mom is to buzy to cook so we always eat out, there are huge wastes of water all across the board along with ther things that i cant remember right now. So here is my plan first dad drop dinking. Always remember to turn off the lights and tvs when not needed. If my mom stops smoking then no window no heater. drop bills then you can drop hours so you can drop chips make food at home be calm (no need for cigarettes) "parent you kids to turn off the tv and lights. bills drop more then you can have time to relax. Then if need be then there is some room to add a couple hours to earn some extra to pay off the house and both of their student loans. bills drop even more. So you can see the efficency. Can you also reply if you see any holes in my finachial plan and how to fix them. So both questions: 9 year old with mental screw upedness. and finachial plan how do i explain

I have a question and am simply looking for advice. My wife and I are in the market for a house, and have been pre-approved with a VA home loan. We are looking in the Havertown,PA area to start off and we think we have a decent property picked out. Initially, the house was on the market for about 245K and has been on the market for over 100 days. The house is now listed at 235K. Considering I would also like the seller to contribute half of the closing costs in a seller's assist (about 5700) our initial offer is 225,750 (this includes the seller's assist as well.) We don't have any property to sell and can move in at the drop of a dime. Is this initial offer a reasonable first offer? Everyone keeps saying that this is a buyer's market, but I believe some of the people that we have talked to (realtors) want to offer the seller's asking price with minimal negotiation. This doesn't seem like a "buyer's" market to me!! Any advice would be awesome!!!

My husband and I (we are 28) bought our home in 2006 for $126,500 @ 6.25% 30 YR fixed rate. We make close to 100,000 per year. we have 2 children aged 11 and 1 and 1/2. I am including the extra detail just for kicks I suppose. Our total bills equal 1108.00 per week (home, utilities, few credit cards, student loans, groceries, babysitter, 1 car payment, gas, lunch for daughter etc... EVERYTHING) we make without overtime 1100 per week. My husband is fortunate to be able to get OT whenever her wants. (the OT is what causes our income to jump so high). We are considering selling our home in the next year or so, purchasing about 2 acres of land and putting a trailer on it until we can save enough money to build a home we'd enjoy in the country. Obviously with the market like it is- we can't sell our home immediately. Does this sound like a good idea or REALLY dumb? We have put new siding and a new roof on our current home and would need to update the kicthen and lay new carpet before selling. Or should we just find a dumpy home in the country and fix that up? We live near a major city in Ohio so we have really inflated home prices all around us as we are away from the "city" but still within a 40 minute commute..

My Dad passed away in June. He and Mom have two homes One has a reverse mortgage the other he took out a loan on for a line of credit. He apparently out lived his money and over the last ten years cashed in most of his life insurance policies. Bottom line, he left my mother the task of being responsible for two homes while receiving only $1,100.00 a month from social security,She did receive $5000.00 from the VA but this has been spent on bills. She has done nothing since my Dad did on June 25th, but sit at a table all day and night writing checks. My mother was not involved with the finances and is very much in need of guidance from a professional but cannot afford to spend any extra money for anything. She was advised that she should sell one or both of her homes. Although the line of credit she has in the one house is helpful (this is an interest only loan), it is not enough to support two homes and herself. I have been staying with her since Dad became ill on June 3rd. This house is close enough to mine where I can travel back and forth to my own home and try to keep it up as well, The other house (with the reverse mort.) is to far away for me to pull this off. She's 86 and I'm concerned this stress will kill her too. Any advice is appreciated. Thank youShe isn't looking for a loan really, she's looking for a way out of one or two. She has no idea how my Dad handled the money, she just knows he would take money from one account and put it in his living expenses account. She thought it was the home equity-line of credit account he took it from so she did that. We have since decided she shouldn't do that anymore. The reverse mortgage house can't be rented, it's their rules. Plus it's a condo in an HOA and every time they'd turn around they'd be getting an assessment (sometimes $4000.00) for for something plus they pay $500.00 a month to the association to live there. In their own house. It's not a good situation in my opinion but, who knows. Thank you for (continuing) to respond.

I'm guessing no, but I thought I would ask. I'm 19, work 3 jobs (I make about $36,000/yr) and I can put $100,000 as a down payment. I just got a credit card about 6 months ago and have been paying it in full each month, so I definitely don't have much of a credit history. I really want a house that's around $200,000, so obviously I would need a loan. What are my chances? If I don't have any chance at all, what would increase my chances of getting a home loan?

I am so tired right now. I have paid for everything with cash in the last 5 years. I have several collection accounts, credit cards that are marked as charged off, and medicals personal loans and now I have student loans that were supposed to be in default and they aren't! What else can go wrong? I'm 35 and need to buy a house. I earn 80,000 a year and can't seem to get my credit together. I have paid a company 100 a month to clear my credit but it seems as though it was a waste! Most of my collections are over 5 yrs old. Should I just sit around for 2 more years and hope they fall off or should I just pay them off and hope that it doesn't update my negative credit trying to do "the right thing"!! I'm a complete mess. I pay rent of 975 a month along with lights, water, electricity, cable and can't get a home in my own name!! I'm never late on these items either. Whats really frustrating is that I just got an orchard bank card, a secured credit card through my credit union and opened up a loan in a furniture store to help fix my credit and it has actually dropped 56 points!! Why? Can I get some serious answers to resolve my situation please? I really need help. I'm willing to do whatever it takes.

We are going to do a rural development loan bc of the $0 down and no need to carry PMI. The offer we put in and are under contract for is $99,900. The sellers are paying $2500 of closing costs, and so do we need a 3% down that we incorporate into the loan we were told by the woman at the bank. But she also said that we can only take out what the home appraises for 102%. Looking at the data of the home it was appraised this year for $100,300, that's not who we hired to appraise, but if the appraisal we do is around that being that its the same year and not much has changed, 102% would only be $101,023 or something not allowing enough for the 3% down or any closing costs. Are we understanding all of this correctly? Are we going to need to come up with the cash or will it all be able to be funded...?

Ok so my dad currently has about $35,000 in dept and its affecting the whole family. My dad went back home to Africa to see if he could get his old job back (director of finance). But since its an African Masters degree its useless in Canada. So at 49 years he has to do labor jobs such as security, etc. That no 49 year old dad with a masters degree would have to do. I am 14 yrs old and am going into high school next year, and thinking of the future. Every Family has goals, and my parents goals are to get A house of their own, and for my siblings and I to get into some sort of post secondary. But this cant happen with his huge dept. So when my dad comes back to Canada this October i was wondering if i should get a part time job and help my dad with his dept and show him the tv show "Till Dept do us Part" (a show that show about people with dept and helping them get rid of it. So i was wondering if i was to make like $100-300 a pay check which would go to the minimum balance and if my parents pay like $1000 then it would take about 2 1/2 years and i would be able to get a loan for my post secondary. If any1 has any suggestions, comments, concerns please leave a message because just my looking at my dad i can tell that the dept is just killing him and he wants the best for his familyThe main reason my dad has so much dept is because of my grandmas funeral 90% of it was towards it.

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Home Depot Inc., Dell Inc. and Burlington Northern Santa Fe LLC led the busiest day for U.S. corporate bond issuance in more than seven months as investment- grade borrowing costs hover near the lowest on record.

Banks in India will need about $100 billion (Rs 5 lakh crore) of capital over the next decade as the system grows to meet credit requirements of an expanding economy, Om Prakash Bhatt, chairman of the State Bank of India said here today.

Banks in India will need about $100 billion (Rs 5 lakh crore) of capital over the next decade as the system grows to meet credit requirements of an expanding economy, Om Prakash Bhatt, chairman of the State Bank of India said.

After factoring in rebates and tax credits, a homeowner's loan payments could be less than $100 a month for installing 5 kilowatts of solar power — power that would knock nearly $60 off a monthly utility bill, according to figures Tuesday provided by Solar San Antonio and the San Antonio Federal Credit Union.

Starting September 13, Ford will launch The People's Fleet , loaning 12 Ford Fiestas to 12 nonprofit organizations in Los Angeles. The goal is to provide a platform for Ford to get the word out about a dozen groups doing good while helping these groups save money and solve their transportation issues (and yes, gas cards will also be provided!). Like their Ford Fiesta Movement that gave 100 brand ...

I REFER to the report “No to 80% mortgage cap on housing” ( The Star , Sept 6). Like all policies, it is best that this proposal to cap the mortgage percentage be discussed in a more holistic manner.

The government has bailed out Wall Street firms, giant banks, creditors of Fannie Mae and Freddie Mac -- and is trying to bail out people who've defaulted or are about to default on their mortgages. But let's say you're a hardworking family that has done nothing wrong except buy a home when the housing bubble was at its peak a few years ago. Your mortgage is now way underwater, but you're still ...

Lenders issued $1.04 trillion in home-purchase loans to Southern California homebuyers in the past decade, continuing to dole out the cash even after the housing crash began and homebuying began to die down, a research report shows. Citing figures...

Construction crews are returning to the Cascades of Groveland, a gated 55-and-older community west of Orlando, Florida, almost three years after its bankrupt developer left owners of the existing 238 houses surrounded by empty lots, partially built homes, and an unfinished clubhouse.

Name: Bruce Blakeman Age: 54 Party Affiliation: Republican Occupation: Attorney Decision To Run: For the first time in 100 years, the current generation of Americans is predicted to do worse than the previous one. The recession has cost us more than 8 million jobs and the unemployment rate is 10 percent or worse in many parts of New York. Washington has a deficit approaching $1.4 trillion and ...