Archive - June 30, 2011

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Why Today’s Real Estate Forecasts Are Wrong
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How To Find the Right Financial Advisor

Why Today’s Real Estate Forecasts Are Wrong

Mortgage approval is the key to real estate prices

Real estate values for one to four unit residences are a function of the ability to get a loan, which in turn is a function primarily of mortgage underwriting. (Low and declining rates help somewhat to facilitate the ability to buy a property but do not help enough).

Many investment experts are quoted in the news as saying that the ratio of house prices to income is the lowest since either 1975 or even 1965. However this assumes that personal income is:

  1. Evenly distributed between all consumers (your pay is, on
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How To Find the Right Financial Advisor

If you want financial planning, finding a professional to guide you through the process is a daunting proposition.   Even referrals aren’t always the solution, since many of your friends might not completely understand what their financial advisor does or whether what’s done is right for them.   Finding a financial planner can be intricate and in depth.  There are also a few simple concerns you can explore to work toward finding a professional that’s a good fit for you.  Here are four basic issues you can address. 

Are they qualified?

The first is what the planner’s credentials are.  Credentials are different …

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