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Brad Stroh's Articles

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Options To Consolidate Credit Card Debt Consolidate Credit Card Debt When managing your existing credit cards seems overwhelming, one effective way to ease both the financial and emotional burden of the cards is to consider the option to consolidate credit card debt. There are several ways to consolidate credit card debt, and there are many benefits that arise from the choice to consolidate credit card debt. First, what does it mean to consolidate credit card debt? One way to consolidate credit card debt is t... Understanding A Second Mortgage If you’re in need of additional funds and you own a home, you may have the opportunity to borrow against your home through a second mortgage. A second mortgage is another name for a home equity loan. The amount that can be borrowed on a second mortgage is typically based on the difference between your home’s current value and your original mortgage principal. This type of loan utilizes your home’s equity to provide you funds for home repairs, school tuition, debt consolida... Student Loan Consolidation A federal student loan consolidation program is a federally regulated loan that allows you to combine all of the existing federal loans you received for your education into one new single loan. When you do a student loan consolidation, the new lender will arrange to have all your existing loans fully paid off and issue you one new loan. Generally there are no application fees or credit checks required for consolidation loans and by consolidating your loans you can benefit in ... Debt Counseling Tips Demand for debt counseling is at a record high; 17 straight quarterly fed rate hikes, slowing home values (harder to get a debt consolidation loan), rising tuition costs, rising gas prices, bankruptcy reform… the list of consumer catalysts into debt counseling programs just seems to keep growing. But what are your options and which program is right for you? Read on. First, some startling statistics: there is over $13 trillion in consumer debt out there, and over $2 trillio... How A Reverse Mortgage Works Ever wonder how a reverse mortgage works? For folks that have lived in their home for a long time, they may very well be sitting on a gold mine. Home prices have increased greatly over the last thirty years, and nationally have nearly doubled in value over the last ten years. This has left a great many homeowners with valuable equity in their homes and many different options to access that equity, home equity loans and mortgage refinances being the most common. For older Amer... Credit Consolidation - What You Need To Know Now. Are you overwhelmed by your credit cards? If you feel like you cannot keep up, one effective way to ease the stress is to consider credit consolidation. There are several strategies to accomplish credit consolidation, and there are many benefits that arise from the choice of credit consolidation. First, what does credit consolidation mean? Credit consolidation can take many forms, and means different things to different financial advisors, so we will go through each one in... Home Equity Loan Vs. Home Equity Line Of Credit The reasons to consider a second mortgage are as varied as the programs available to you once you make the decision to tap into your home equity. Some popular reasons include college tuition, bill consolidation, health expenses, and home repairs. When it comes to borrowing money, these types of loans are favored for a number of reasons, not the least of which is the tax deductibility of all the interest paid on an equity loan. Before you start shopping around, however, you sh... Understanding Mortgage Terminology Purchasing a home is a smart investment. However, if you’re purchasing a home for the first time, there is some terminology you need to be aware of regarding your future home mortgage. Here are some common words and terminology you’ll encounter when you’re looking for a home loan. Adjustable Rate Mortgage (a.k.a. ARM Loan): An Adjustable Rate Mortgage is a home loan where the interest rate adjusts throughout the term of the loan. ARM Loans usually have an initial interest ... Mortgage Terminology Explained When you first apply for a mortgage, you may feel you’ve stepped into a different culture with a language all its own. More than likely, your mortgage professional is throwing many new terms and expressions your way. It’s the responsibility of that same mortgage professional to make sure you understand everything that’s being explained to you, so you should never hesitate to ask them to stop and clarify. However, if you can approach your application meeting armed with some fa... Irs Debt Help: 5 Options To Getting Rid Of Tax Debt IRS Debt Help: Do you owe the IRS? Are you struggling with IRS debts and cannot figure out what to do? Don’t despair, you are not alone. Many Americans owe back taxes, or cannot afford to pay their IRS debts. If you want to get IRS debt help, it’s important to understand the different IRS tax debt strategies. There are five strategies for getting out of IRS tax debt. 1.Offer in Compromise: a program where you can settle your tax debts for less than what you owe. Req... Online Debt Consolidation Online debt consolidation comes in many forms, so it is important that each consumer reflects on what their needs and concerns and financial situation is before signing up for an online debt consolidation program. The four primary concerns for most consumers are: i) monthly payment, ii) time to debt freedom, iii) total cost, and iv) the credit rating impact of the consolidation program. Be sure to evaluate each program, relative to your prioritization of these factors. Sin... Indemnity Health Insurance - What It Means To You. At first glance, an indemnity health insurance plan may seem to hand policy holders the short end of the stick. After all, this type of insurance tends to pay less toward health care claims than a managed-care plan. Additionally, the policy holder generally pays more out-of-pocket and has to deal with more paperwork when it comes time to file a claim. However, for a great number of people, indemnity is the undeniable way to go. Individuals may choose indemnity plans becaus... Health Savings Accounts Explained What is a Health Savings Account? Increases in the cost for health care and health insurance now impact both employees receiving their health insurance through an employer group plan and the self-employed seeking individual and family health insurance. Whichever group you fall into, you’ve probably noticed the rising costs of health insurance. Deductibles and other out-of-pocket expenses have risen to the point that, without careful planning, they can put a serious financi... Consider Auto Insurance Rates When You Buy A Car This isn’t old news, but the type of car you buy effects your auto insurance rates. The more expensive or high-performance your car is, the higher your premiums will be. Why? It’s because the cost to repair a luxury or sports car is often significantly more than it is to repair an economy car. It’s a matter of mathematics. Less expensive automobiles are not as costly to repair if they’re involved in an accident. For some higher-end cars and trucks, just to replace a side-view... How To Find A Great Mortgage Think the first on-line loan you come across can offer you the best rate? Think again! There are literally hundreds of programs out there, and they all favor different kinds of borrowers. Did you know there are things only a loan officer can explain to you about the hundreds of loan programs available to you? Did you know that a loan officer can be paid a commission based on how much you pay in fees? Many factors can make the rate you’re receiving on a mortgage more attractiv... Auto Insurance Coverage Explained If you drive, you need auto insurance. But many drivers still cruise around town uninsured. But why? It’s because they don’t think they’ll end up in an auto accident. However, everyday hundreds of drivers find themselves in auto accidents, and I’m sure it’s safe to say that they weren’t expecting it. Auto insurance is security. It’s a way to protect your car, yourself, and other drivers while on the road. Auto insurance policy holders pay premiums and in return, the auto i... Debt Consolidation Services And Information The Fundamentals of Available Debt Consolidation Services Owing large sums on your credit cards and other bills is a very stressful situation. Every dime of your paycheck is allocated before you even cash it, you have collection agencies calling you both at home and at work, and you constantly have to worry about making ends meet. Worst of all, with the incredibly high interest rates you're paying, it could conceivably take 15 years or more to pay off the amount you owe. B... Bill Consolidation - What You Need To Know. As easy as it is to get into debt, there are a number of strategies for consolidating your bills and lowering your monthly payments while still paying more to principal and becoming debt-free faster than you thought possible. If you’re ready to eliminate your credit card debt, you need to assess your situation and then look at the best alternative for your financial needs. Do you own a home? If you own, do you have equity in your home to tap? Can you afford more than your ... Bad Credit And Home Refinance - How To Save Money. To determine how bad credit impacts your refinancing options, consider whether your credit was better, worse, or about the same when you originally financed your home. If your credit was better and helped you qualify for a low rate, refinancing when your credit is worse makes little sense. If your credit is better now, but still not great, you should analyze how much you could really save by refinancing now as opposed to waiting until you have time to improve your credit even... What Is Credit And How Is It Established? A credit rating is simply someone’s assessment of how well you would be able to pay back money lent to you. Usually, that “someone” is a credit reporting agency; however, creditors themselves will also make their own assessment, which is usually based on the score you receive from the credit reporting agencies and is determined by requirements that vary a great deal from one creditor to the next. The largest scoring agency determines your "FICO" score. {http://www.fico.com} ... Increase Your Credit Through Credit Cards In order to build and maintain good credit, you must select, use, and pay on your credit cards, and other loans, wisely. Each step is important. Put them all together and your credit rating should rise. Make bad choices and you might hurt yourself in some surprising ways. When applying for credit, only sign up for cards you’re comfortable using for years to come. Getting into the habit of always signing up for the newest card and transferring your balances from the older o... Mortgage 101 - What You Need To Know About A Home Loan Qualifying for a Mortgage Before you buy a home, it is crucial that you weigh how you can afford to pay for it. You don’t want to waste time or money by bidding on a house that you cannot afford or by applying for a loan that is beyond your means to pay month after month and year after year. Figuring out your budget for your home will make it easier to get the right loan and also to know what changes you may need to make to your finances and to you credit profile. As a ... Don't Delay In Managing IRS Tax Debt Debt Resolution, IRS Settlements Offer Help for Serious Tax Problems San Mateo, Calif., - With tax day behind us, consumers and business owners who owe the IRS are not out of the woods. But while death and taxes are the big two inevitabilities, those with serious tax problems should know that it is possible to negotiate with the IRS to reduce past-due tax penalties and payments, according to Bradford G. Stroh, co-founder and CEO of Freedom Financial Network, LLC. Americ... How To Improve Your Credit Rating Your credit rating is something you shouldn’t take for granted. If left to spin out of control, it can cause serious repercussions that will follow you throughout your life. If your credit isn’t the best, or could use an improvement, here are a few ways how you can improve your credit rating. Make Payments on Time If you pay your bills late, you’re not only incurring late fees, but you’re also damaging your credit. And if you miss a payment, it’s even worse. Your payment ... Credit Terminology Explained When dealing with credit, there are a multitude of terms that you should understand. These terms are used frequently when dealing with credit and will help you better comprehend exactly what is involved in your credit. Read through this credit terminology guide and educate yourself on the world of credit. Adjusted Balance – Adjusted Balance is a method of calculating your credit balance and Annual Percentage Rate (APR) where payments and/or credits made during the billing ... All About Your FICO Score When it comes to credit, your FICO score is what counts. If you’re new to the credit or home buying game, FICO is probably a very mysterious and confusing word. You probably already know it has something to do with credit; but do you know exactly what your FICO score is and means? If not, read on. To put it bluntly, your FICO score is a number that determines the interest rate you’ll get on a loan. You can find it at http://www.FICO.com. It is a predictive measure used by ... How To Control Your Debt If you’ve ever opened up your credit card statement and been shocked at the balance staring back at you, you’re not alone. More and more, Americans are stretching their credit to the max. The trend toward using credit cards to pay for regular expenses such as utility bills, grocery bills, gas, and fast food illustrates the increased dependency on credit. And credit cards are far from the only type of debt. Student loans, mortgages, IRS debts, and other indebtedness can leave ... Top-Ten Ways To Consolidate Your Debt For a growing number of Americans, debt is a serious problem, and one that can “sneak up” on you. The first step toward controlling your debt is being aware of it. Once you’ve established that you need to consolidate and pay down your debt, the following ten possibilities may be useful to you. 10. If you have a 401-K or other employer-sponsored retirement account, borrow part of the money to pay down your debt. This should be used as a last resort, however. If you cannot p...

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