How to Budget for Emergencies: Major Home Repair
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This is the financial shock of a major home repair. It is expensive and surprising.

A Quick Strategy for Analyzing Whether You Should Rent or Sell
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There are two ways to run the analysis. One is quick and can be done on the back of a napkin. The other is more detailed, best done in a spreadsheet. In this part one, we will explain the quick math.

Radio: Financial Decisions in 2018
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Talking about the question “How should you manage your money in 2018?” this show covers a lot of ground over 23 minutes of conversation.

Three Strategies to Avoid Private Mortgage Insurance
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Avoiding PMI, if possible, is better for your long-term finances. Here are three strategies to avoid PMI.

What is Private Mortgage Insurance?
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PMI does not provide you, the borrower, any protection.

Mailbag: Can I Use My IRA As Collateral?
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There is a complex way, but we don’t recommend the strategy.

How to Avoid a Down Payment on a Mortgage
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If you prefer to keep your down payment money invested in the markets for longer, there are two alternatives.

Using A Mortgage Wisely
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Most Americans have a home mortgage. The rich often have two.

Should You Pay Off Your Mortgage? (August 2013)
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This should not produce a hand-wringing vacillation between the two answers.

$ ?s: Buy a House without a Credit History?
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Although it is possible, buying a house without a credit history will require you to jump through some uncommon hoops to find a competitive rate.

Mailbag: Should I Pay Off My Mortgage Early?
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Some say don’t make extra payments, take the tax deduction. Others say you need to be debt free.

Radio: Now May Be the Right Time to Buy a House
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David Marotta discusses interest rates, the housing market, and how these factors work together for the patient buyer.

Now’s the Time to Buy a House
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Mortgage rates are at historical lows, so the next few years are the time to take advantage of them.

Reverse Mortgages Are A Last Resort
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Although the lender almost always wins, a reverse mortgage does offer a Band-Aid solution to pending cash flow problems.

ARM Yourself For Mortgage Rate Increases
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The party’s over for home owners who sought the lower initial payments of ARMs.

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