Do you ever wonder why you see mortgage companies advertise low interest rates on tv but your local mortgage company can’t match or beat it?

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Visit Mortgage-bad-credit.us for free mortgage calculators and mortgage rates.. Almost anyone can get a mortgage so unless you have unbelievably bad credit you will have no problem getting a mortgage for your new home. If you have a few blemishes on your credit report you will still be able to get a home mortgage loan. You can find mortgages online and offline that can hook you up with a great mortgage no matter what your credit looks like. If you have poor credit what you will have to find is a good subprime lender. If your credit score is under 620 you will have to get a subprime mortgage. You will find yourself in this category if you usually pay your bills late, the later you pay them the worse your credit score is going to be as a result. When you are talking to lenders about getting a mortgage they will not actually use the word subprime but that is what the mortgage will be. They have stopped using these sorts of words because they tend to scare customers away. Getting a home mortgage loan is simple if you have excellent credit and even if you shop around you will not find that the rate vary that much. But if you do have bad credit then shopping around is a must. Rates can be very different from lender to lender. The reason for this is because all of these subprime lenders will decide what kind of risk you pose in a different manner. So if you have a low credit score then you absolutely have to shop around for the best possible rate. The interest rate on a subprime …

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I’m beginning to feel that my career at the bank isn’t going all that great and the end of employment is likely. However there are some major housekeeping items that need to be addressed before that happens!!

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Remember monopoly? Remember mortgages? You know, the text that’s written when you flip your title deed. Flipping the title deed means your property is on mortgage and you’ll get money from the bank.

Sounds simple right? Wrong. There’s much more to it than that.

Here are the things you need to know about the game and how to get most out of your mortgages.

The idea of the game is to buy and rent and sell properties so profitably that one becomes the wealthiest player and eventual “monopolist”. Starting from “go” move tokens around the board according to the throw of dice.

When a player’s token lands on a space not yet owned, he may buy it from the bank: otherwise it is auctioned off to the highest bidder.

The purpose of owning property is to collect rents from opponents landing there. Rentals are greatly increased if you put houses (those little green ones) and hotels (those dreaded red infrastructures).

So your best bet in winning the game is to put the most houses or hotels in your lots. (That’s assuming you don’t land in your opponents’ lots with houses or hotels).

To raise more money, lots may be mortgaged to the bank. Here comes the tricky part. That includes deciding which lots to mortgage and how you can get the most out of your mortgaged property.

Mortgages in monopoly can be done only through the bank. The mortgage value is printed on each title deed. The rate of interest is 10 percent, payable when the mortgage is lifted. If any property is transferred which is mortgaged, the new owner may lift the mortgage at once if he wishes, but must pay 10 percent interest.

If he fails to lift the mortgage he still pays 10 percent interest and if he lifts the mortgage later on he pays an additional 10 per cent interest as well as the main value.

Houses or hotels cannot be mortgaged. All buildings on the lot must be sold back to the bank before any property can be mortgaged. The bank will pay one-half of what was paid for them.

In order to rebuild a house on mortgaged property the owner must pay the bank the amount of the mortgage, plus the 10 percent interest charge and buy the house back from the bank at its full price.

When you mortgage a property, you can use the money for anything you want to, so long as it’s legal under the rules of monopoly. The only restriction in this regard is that a player cannot pre-mortgage a property to finance its own purchase.

For example, say a player wants to purchase Boardwalk but can’t do it with his or her current assets. That player cannot say, “I’m going to buy Boardwalk by mortgaging it, and then using the money I get for the mortgage to complete the purchase.” You must own a property before you can mortgage it.

Playing the game is fun and it will give you an idea of how it is in the real buy and sell world. There are also the Community Chest and Chance spaces which players land on. Instructions ranging from winning $25 dollars to $500 dollars are given. Sometimes players even land in jail! This game is definitely a clever and amusing entertainment.

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www.toplender.org. How to refinance your upside down mortgage. Learn one technique to help you refinance your upside or underwater mortgage. How to lower your rate even if you are upside down.

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Refinancing of interest only loans simply means swapping one loan for another. It is an effective way to decrease the debt on existing loans. This is especially beneficial if the current interest rates are lower than the interest rates you are presently paying on the loan. Refinancing would enable you to convert your high interest debt into a low interest debt, as the amount of monthly payment would decrease. The extra money saved can be reinvested in something more lucrative like real estate or shares, or to pay off high-interest debts like credit cards. Refinancing is also done for converting an adjustable rate mortgage into a fixed rate mortgage. Refinancing has become so common in recent years that almost three quarters of new mortgages were refinanced loans in 2003.

Refinancing of interest only loans is very attractive, especially when the time comes for the loan to get amortized. That means the loan will have to be repaid at the current interest rate, along with the principle. Most people seek to refinance their interest only loan in order to buy more time, i.e. to delay the repayment of the principle further. However, this may also increase the risk on the loan, since the interest rates may go up further, the price of the house may come down or the economy may slump in the future.

Refinancing of interest only loans is ideal for people who are expecting huge capital gains in the next few years or are planning to sell their house by the time the interest-only period is over. This is a good alternative as long as the economy is good, the interest rates are steady and the prices of houses are increasing. Interest only refinancing is recommended for people who have irregular incomes like commissions or bonuses or those who are expecting a hike in their income in the coming years. The savings accrued from refinancing can also be used for home improvement, which will increase the value of the home in the future.

A few questions to be considered while refinancing are: how long do you expect to stay in the house? How much equity do you have in the house? Will you have to pay points for getting a low rate from the refinance? What would be the closing costs? Will the lower payments from the refinance enable you to cover the closing costs, points (if any) and the fees reasonably?

There are several lenders who are offering refinance options for interest only loans. The Internet is a good source for getting information about these offers and also to find out more about interest only loan refinance.

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Don’t Panic! Increasing CGT Decreases Tax Revenue! Recorded May 30, 2010 – 11:30 EDT CajaSur seizure sends warning shot: www.ft.com BTW, CajaSur had it’s headquarters in Cordoba, in the Autonomous Community of Andalusia; lovely place for a holiday I hear en.wikipedia.org Spanish savings banks unveil merger pact to access aid www.marketwatch.com Caja Madrid, Five Smaller Banks in Merger Discussions (Update2) www.businessweek.com Spain orders banks to come clean on debts to restore shattered faith: www.telegraph.co.uk Fitch cuts rating from AAA – Stocks slide, euro falls after Spain downgrade: www.reuters.com Spain approves €15bn austerity budget by one vote: www.telegraph.co.uk Spain austerity package fuels anger: www.youtube.com And of course; Spain is on the hook to pay 14 Billion Euros to Greece? av.r.ftdata.co.uk The EU’s very own AAA SPV: ftalphaville.ft.com Second firm withdraws drugs from Greece over cuts: news.bbc.co.uk Who owes whom? data.inflexionary.com A worldwide financial crisis couldn’t happen again. Could it? www.guardian.co.uk Capital gains tax of 40-50pc would be bad for Britain, says hedge fund guru: www.telegraph.co.uk CGT – Adam Smith Institute report: adamsmith.org (Adam Smith Institute – adamsmith.org – an excellent resource!) Scramble for gold coins to beat tax increase: www.ft.com Eurovision: Germany wins (and Greece gave them some point?) Lena Meyer-Landrut – Satellite www.youtube.com Dolores Dagenais – Obviously from her new album Big Girl …

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