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Some people take budgeting very seriously. They budget their money down to the very last cent. Others ignore the subject completely and don’t even bother to look at the big picture every now and then. Regardless of the camp you’re in, there are five budgeting boo-boos that most people make — and they are big. Let’s review these pitfalls so you don’t fall into any of them. 1. Not Tracking...

Homeowners who are eager to pay off their mortgage prepay extra amounts to hurry up the process. But prepaying can sometimes become most profitable is when it's combined with a refinance to accelerate the payoff even more. 3 prepaying, refinancing options Keith Gumbinger, vice president at HSH.com in Riverdale, N.J., explains a few ways to get the benefits of refinancing and prepaying:...

(MoneyWatch) Whether you're trying to negotiate a better salary or simply sway a colleague to your way of thinking, being a skilled negotiator can offer many benefits in your job and career. Some people are naturally able to persuade people to see things in new ways, while others struggle to make their case. Here are five techniques to take out of your repertoire. They simply don't work. They can hurt your...

The housing market is often seen as a gauge for the performance of a country’s economy. In general, people are only able to afford a house when economic conditions are good. On the flip side, people are also very reluctant to give up their homes, often only doing so as a last resort, when all other options have been exhausted. This is why housing bubbles that occur when real estate prices collapse are...

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I grew up just a couple of hours from Disneyland. So as a kid, one of my greatest joys (and greatest anxieties) revolved around the Pirates of the Caribbean ride (this was pre-Johnny Depp, folks). I loved that ride - especially the big drop at the end - but I also feared that ride, especially the big drop at the end. Fast forward a couple of decades and I found myself standing in line for the ride with my...

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September 23, 2013 MARKET RECAP The Federal Reserve's Big Surprise We should clarify that the “Big Surprise” hit most market watchers and pundits, but not all. Indeed, we weren't surprised at all. We're referring to the Federal Reserve's decision on tapering – which was not to taper. The Fed has been purchasing $85 billion of Treasuries and mortgage-backed securities (MBS)...

First Day of Fall - September 22! The first day of fall is September 22nd and many Coloradoans like to venture out and see the beautiful fall colors. Here are some of the top scenic drives around Colorado to...

Today, I wanted to talk with you about the power of interest rates and the effect that rising rates has on the ability of a family to own a home.  We all know that rates have been rising steadily since the beginning of summer.  We are now talking about rates in the high 4% range.  While I wish I could predict the future of interest rates (probably wouldn’t be schlepping loans if I could do that!) I...