You’ve turned your tassel and maybe even thrown your cap into the air, making your graduation from college official. And, as you make your way into the adult world, you might begin to think about what you’ll buy with your first real-world paycheck. For many young adults, a big chunk of every payday goes toward […]

Let’s face it: you can barely take a picture without it ending up somewhere on social media. Whether you’re capturing vistas from an epic vacation, posing for pics before a night on the town, or simply snapping silly selfies, chances are, you’ll end up sharing it somewhere on the web. This type of open, social […]

Snapchat is giving users an early Christmas present. On December 22nd, 2015 Snapchat “secretly” released seven new trophies for users to unlock. In early November 2015 Snapchat added eight new trophies to the Trophy Case but users were never able to unlock these trophies and most users felt this was just a joke Snapchat was […]

When Snapchat was first created no one would have guessed that celebrities would use the app as a motivation tool. That is exactly what DJ Khaled is doing. Over the last three weeks the number of people following DJ Khaled’s Snapchat stories has increased exponentially. What started out as a joke to most has turned […]

The housing market has been heating up for several years and 2016 may be the time to buy for a large number of first time buyers. Each and every year the Federal Housing Administration has to adjust FHA loan limits based on home prices in a specific county. Note that each county in the United […]

Paying out of pocket expenses for dental work can cause major financial strain to the average American household. While fillings and a basic cleaning at the dentists can be under $200 the cost of braces or Invisalign can be closer to $5000. American households can withstand an extra $200 or $300 being spent to ease […]

In the last week the 10 year treasury rate yield has moved from just under 2% to 2.23%. This strong move higher is a predictor of where mortgage interest rates will be in the next few weeks. It is important to remember that the 10 year treasury rate yield tends to predict average 30 year […]

In the latest Snapchat update, October 28th, 2015, users are now able to change the speed of videos as well as play their video in reverse or rewind. Snapchat users all over the globe are sharing funny videos of themselves talking in super slow motion or extremely fast. Anyone that takes Snapchat videos or music […]

Social networks tend to get their initial lift from college campuses. We saw it with Facebook, then Twitter and now Snapchat. College students are around tens of thousands of their peers and they quickly communicate with those they know and do not know on campus through an Internet device. In the early days of Facebook […]

Mortgage rates continue to fall this week as data rolls in for December 2014. Since December of 2013, mortgage rates have been steadily dropping, nearing 4.0%, as of December 3, 2014. On December 5, the 30-year rates dropped below 4.0%, at 3.89%– the lowest rate since May 2014. The benchmark 30-year fixed mortgage rate was […]

Los Angeles residents have had to fight traffic for decades. According to a study completed by the Texas Transportation Institute at Texas A&M University seven of the top 10 most congested roads in the United States are in Los Angeles County. With the Harbor Fwy/CA-110 NB and San Dieho Fwy/I-405 NB roads being jam packed […]

It goes without saying that a homeowner’s ultimate goal when seeking a modification from the Making Home Affordable Program is to acquire an affordable, permanent home loan modification plan as some homeowners have struggled to get a trial plan, while others may have found that it was difficult to transition from a trial to a […]

For quite some time homeowners have seen average 30 year fixed home loan rates under 4%.  Since the beginning of June 2012 fixed loan rates have bounced between 3.45% and 3.6%.  On Friday, June 22nd, 2012 average 30 year loans closed at 3.53%.  Remember that the 10 year treasury rate yield has moved higher for […]

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Here in October we are seeing some positive reports related to small business loans as there are some indications that banks are preparing for more demand and lending in the future, as certain major financial institutions are reportedly adding more workers to these small business loan departments, but there are also reports that the SBA […]

Many consumers are in a position where they are not as confident as financially at the present time as they feel they were in years past, but we recently saw that the number of jobs that were added in October, in terms of non-farm payrolls, brought about new employment opportunities and currently we are facing […]

As more individuals are looking for ways to turn to college and pursue or further their education, some have looked to online institutions as a way to earn a college degree, take courses that may help them in their job search, or simply further any education they may have as some individuals feel they have […]

Increases that are predicted to be seen in foreclosures have some of the mind that this will lead to further problems when it comes to underwater homeowners and housing prices as many argue that not only are homes which are sitting empty in the housing market pulling down prices in some areas but there are […]

More homeowners may be helped through the Home Affordable Refinance Program in the coming weeks as recent changes that have been reported on may allow more underwater homeowners to qualify for this particular type of aid, in the hopes of taking advantage of low mortgage rates currently available that may help these underwater borrowers find […]

The spring semester for many college students can be a time where financial aid may have expired, as some students may have only received a semester’s worth of aid, but others are still looking to the future when it comes to getting scholarships or grants that may help them during the spring, and this is […]

Questions over assistance when it comes to repaying private student loans have often arisen as many college graduates who have this kind of debt as students are in a position where, when college loans are in place, discharging these debts through actions such as bankruptcy is not an option, despite the fact that we are […]

Bank of America homeowners seeking permanent modification assistance or a simple opportunity to participate in a Bank of America trial modification plan may be in a position where, if they do meet certain qualifications, this can be one route of foreclosure prevention that proves successful as we have recently seen more homeowners who are being […]

Here in November we have the most recent information from the Making Home Affordable program and reports show that the total number of active permanent modifications increased between August and September for homeowners who are seeking federal foreclosure prevention assistance.  Obviously, homeowners with a variety of servicers are still looking for help when it comes […]

There have been increasing issues that have arisen for homeowners in the housing market when it comes to getting help with their mortgage payment, but when homeowners have a second mortgage in place there are indications that more troubles have arisen and, when negative equity is a problem or simple foreclosure alternatives are sought out […]

Individuals who are looking for an affordable personal health insurance plan will often find that, in various states, different insurance providers can offer a wide range of personal plans that could potentially help meet the needs of someone who is without an employer group health insurance policy in place, but questions remain over cost and […]