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Buying a Home

From: Gail Vaz-Oxlade

A single mom wrote to me recently asking for some advice about buying a home. She wants to know how much she should put down, and how much she can reasonably afford to spend. While she’s been pre-approved for a mortgage – a good first step – she’s uncomfortable with the amount the lender seems willing to give her and wants to know what’s realistic.

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From: BiggerPockets.com

By: Engelo Rumora

Today we’re talking about whether you should spend less, earn more—or both. The answer to that question would be both.

Spending Less

Considering how much debt this country has, from credit cards and student loans to car loans and mortgages, I really think it would be wise to start by spending less.
My philosophy is that $100 in your pocket is, well, $100.00 dollars in your pocket! What I mean by this is that you get to choose what you want to do with that money. It’s entirely in your control.

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From: BiggerPockets.com

By: Brandon Turner

Let’s talk about what an LLC is and what it isn’t. An LLC is not equal to a get-out-of-jail-free card. You can be sued with an LLC, and you can still lose everything. An LLC is not designed to prevent you from ever being sued. An LLC is intended to help you manage and contain the fallout from such a lawsuit. According to the United States Small Business Administration (SBA), a limited liability company is “a hybrid type of legal structure that provides the limited liability features of a corporation and the tax efficiencies and operational flexibility of a partnership.”

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From: Wise Bread

By: Paul Michael

Credit: Like it or loathe it, most of us need it to survive. And the kind of credit we have access to is dependent on our credit scores. A mortgage, a car payment, credit cards, and even health care financing all impact and depend on our credit score.

The problem is, there's a lot of misinformation out there, and if you believe it, you could be doing yourself a disservice. Here are the top myths about credit scores that we have debunked for you.

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Friom: CNN Money
By: Wendy Connick

The transition from career life to retirement can be awfully bumpy. Before you decide to proceed with such a major life change, it's a good idea to ask yourself certain questions to confirm that you're ready to leave the working world.

Will I have enough income to support myself?
You may be psychologically ready for retirement, but if you're not financially ready, you'll have a pretty miserable retired life. Before taking the final leap, review your retirement savings accounts, your Social Security statement, and any other sources of retirement income you have lined up.

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