The "Mortgage Professor" answers critical homemortgage questions This value-packed consumer reference by a nationally syndicated mortgage columnist is indispensable for anyone looking to secure a home mortgage. The Pocket Mortgage Guide answers 50 of the most commonly asked mortgage questions, including: How can I find the lowest-cost lender? Should I choose a 15-year loan or a 30-year loan? What is PMI and how can I cancel it? How large a mortgage will I be able to afford? What will my monthly mortgage payment be? What is a "debt ratio" used for and how is it calculated? What is a home equity line of credit and what should it be used for? The book also provides valuable interest amortization tables and is the perfect resource for home buyers.
Quick facts on everything from a first loan to a strategic refinance. This helpful guide reveals everything home owners and soon-to-be homeowners need to know in order to get the best deal. Coverage includes: ? Determining how much to spend ? The application process and overcoming qualification hurdles ? Finding the right type of loan and choosing a lender ? Closing day considerations ? When and how to refinance to save money
Apollo in Perspective: Spaceflight Then and Now takes a retrospective look at the Apollo space program and the technology that was used to land a man on the Moon. Using simple illustrations and school-level mathematics, Jonathan Allday explains the basic physics and technology of spaceflight and conveys the huge technological strides that were made and the dedication of the people working on the program. Physics topics covered include the laws of motion, rocketry, how to maneuver in orbit, and more. Informal and engaging, the book also discusses the designs of the Apollo Command, Service and Lunar modules and how these changed as the plans for the manned mission evolved. Guidance systems, computers, and engines all had to be developed for the first time. With Apollo as background, the book proceeds to look at the space shuttle, the technology being developed for its replacement, the International Space Station, and the possibilities for a manned Mars mission. The book concludes with an exploration of the far future, including Mars colonies and journeys to other stars.
Before you take on the largest debt you'll ever have, you should have more - and better - information than you've ever had before. Whether you are a novice or an expert real estate investor this book provides the information you need to finally understand what lending channel, what loan product, and what price point truly fits your need. If you are an engineer looking to dig deeply into the nuts and bolts of how this works you will love the tools and analyses in this book. If you are more interested in just drilling in and getting quick answers, this book is an excellent reference guide with easy-to-find, high quality advice. In order to get the best mortgage possible you need to do five things very well: 1 - Decide whether you should even get a loan in the first place 2 - Choose the best lending channel for your needs 3 - Choose the best loan program for your needs 4 - Choose the best price point for your specific plans 5 - Lock your interest rate at the right time The Loan Guide provides a complete guide to doing all these things well. Finally, The Loan Guide covers how to manage your mortgage in order to keep as much money in your pocket over the course of your lifetime, how to interpret and avoid common marketing gimmicks, and how to use the Excel-based analytical tools used in examples throughout the book. Since 2008 all the rules of lending have changed. The Loan Guide, published in 2014, was written between 2008 and 2014 and updated as it was being written, to reflect the most current rules and guidelines possible. The Loan Guide is current, clear and complete, and you will find it answers exactly the questions you have, and many that you should have but don't know it.
Smart shopping in a buyer's market. It's a buyer's market out there. But with so many homes for sale, buyers can be overwhelmed by choice. How can they be certain they're making the right decision? The answers are here in this easy-to-use book of checklists focusing on every single aspect of the home buying procedure, from where to start looking to closing costs. *Finding affordable homes *Scoping out neighborhoods *Includes the questions that should be asked of agents, brokers, and sellers *For first-time buyers and experienced ones
Leading financial expert Larry Burkett presents more "World's Easiest Pocket Guides, " covering key issues that prepare readers to make practical life decisions. Filled with bite-sized chunks of trustworthy advice and guidance, these books feature a simplified step-by-step approach.
Keeping your job is job one. In recent years, the FairTax has gained a lot of attention, but for the vast majority of Americans, there's a sense that there's still too little unbiased information upon which to make an informed decision. The Pocket Idiot's Guide™ to the FairTax seeks to change that. In this book, readers get answers to all the questions they have about the FairTax, including: • What it is, how it's calculated, and who pays what • Comparisons with other tax systems • Economic and political effects of the FairTax • Common misconceptions • What supporters and opponents have to say • Moral issues associated with the FairTax • Author is a certified financial planner
Investing in a secure financial future. Every investor must understand the complex bond market—and how it’s affected by the existing economic environment. This invaluable volume explains all bond basics without the confusing jargon, providing information on Treasury notes, high yield junk bonds, tax-free municipals, US saving bonds and other tax-free varieties, and much more. —Seasoned financial writer and pocket-sized format for quick reference. —Explains the bond rating/analysis system. —Offers instructions on how to construct a portfolio and advice on whether a financial manager is necessary.
What are they? How do they work? What do they do? There are more than 100,000 active reverse mortgages in the U.S. today, and the number is growing. If Social Security benefits are excluded, about half of all senior citizens would fall below the poverty line based on their income, and for many people over 65, much of their wealth is concentrated in their home equity. As health care costs rise, many people are turning to reverse mortgages for supplemental income. This book outlines, informs, counsels, and lays out the facts on reverse mortgages. -Anticipation of Social Security problems is increasing the popularity of reverse mortgages -More people are expected to turn to reverse mortgages to supplement their income -The Consumers Union of U.S. Inc. says that AARP, HUD, Fannie Mae, and the reverse mortgage industry all agree on the importance of high-quality reverse mortgage counseling and information
