9YM Blog

How to Teach Your Children to Use Credit Cards Wisely

9 Year Mortgage believes that one of the bigger challenges for parents of college students is teaching them how to handle money. A checking account is a necessity, as is some kind of budget for books, supplies and living expenses. Then there is the big one…credit. So how do you go about getting a credit card for a college student and what are your best options, so that they don’t rack up a ton of debt? Read on and 9 Year Mortgage will give you some suggestions.

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Can Empty Nesters Still Afford To Splurge?

9 Year Mortgage believes that when children move out on their own many boomer parents seize the opportunity to splurge on themselves. The way most Americans see it, is they have finally reached their empty nester years, they have gotten over life’s biggest spending hump or has their spending only begun? Are these empty nesters spending all of their life savings and putting retirement off a couple more years by splurging on themselves? Continue reading and 9 Year Mortgage will give you the answer.

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Trending Now: Homeowners Remodeling

It’s not shocking that home values are still falling, and unfortunately there are no reports of it getting any better any time soon. To those of you who are hoping to sell your home, for more than it’s worth, in order to buy a new one that you can comfortably live the rest of your days in, 9 Year Mortgage doesn’t see this as the attainable dream it once was. With home values expected to drop another near 3% by the years end, the luxury of making a profit on the sale of your home will be a rare occurrence. Such reality is actually causing a spark among a plethora of homeowners, who have indeed caught the “renovating-bug”.

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How Your Family Can Live on One Income

9 Year Mortgage knows of the difficulties that plague our nation at this point in time; housing market woes, high unemployment rates, increasing gas prices, and a drastic leap in general living costs. Although 77 percent of the married couples in the U.S. both hold current jobs, there are also nearly 25 percent of families that are struggling to survive on one income. Even some of those families who are fortunate enough to have two incomes are pulling in what one person could make, so the struggles of meeting ends needs are applicable to a range of people regardless of job status. 9 Year Mortgage has compiled a list of steps that one might want to take if you are considering to start living on one income.

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Your Will: How to Give Children Unequal Amounts

We’ve all heard the stories of the disgruntled children who have received nothing from a deceased parent’s will or they were only given a smidgen of what they expected. The decision of who should get what, in terms of your will, is something everyone must decide someday; for many this is easier said than done. In many cases parents want to leave a larger portion of their estate to one child over another, but there are hurt-feelings and legal issues that end up thwarting their plans. 9 Year Mortgage understands that there are numerous reasons for leaving uneven amounts to inheritors and we’d like to give you pointers on how to do this without your will causing family-drama or possible legal fees.

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Resources to Avoid Investment Scams

9 Year Mortgage with Resources to Avoid Investment Scams Looking for investments with good returns and not so much risk? You are not the only one. 9 Year Mortgage says that scam artists know the  people that are hankering for such products and they are more than willing to serve up financial opportunities that, surely, […]

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Are You Shattering Your Chance of Retirement?

It is no coincidence that 90% of 9 Year Mortgage clients are between the age’s of 50 and 60; This is when retirement is in the near future and many people are realizing they are not ready for this next stage in their lives. Unfortunately most people don’t take retirement seriously until they get closer to retirement age, and by that point most of them still have a large amount of debt. Between the recent recession and housing market woes, those nearing retirement are finding that they are ill-prepared for the months to come and are struggling to feel secure with their finances. 9 Year Mortgage will discuss the major causes of those struggling to save retirement funds and the options that are available to them.

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The Growing Generation Susceptible to ID Theft

Each year one in every 20 Americans is at risk of identity theft, in the end affecting millions. Did you stop to consider that a part of those effected by identity theft are those under the age of 18, especially children? In the past year there were nearly 20,000 reported cases of identity theft occurring in the lives of young people in our nation. 9 Year Mortgage has become aware of the growing trend of stealing young children’s identities and would like to share with you the reasons behind this monstrosity and precautions that you can take to ensure the safety of your child’s financial future.

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The Return of the Big Mortgage

9 Year Mortgage on The Return of the Big Mortgage Low interest rates are driving high-end home buyers to large mortgages at a pace not seen since the housing boom. However some of these deals may have a limited shelf life. Should people really buy into these great deals? Or should we still be cautious, […]

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Are ‘Floating-Rate’ Funds Safe?

Investors have converged on these high-yielding funds, but regulators say they may be overlooking some of the risks. 9 Year Mortgage says the hottest-selling funds on the market have drawn plenty of praise and billions of dollars in the last year. They have now inspired a warning from regulators, who think these investments may be riskier than most realize. Continue reading and 9 Year Mortgage will reveal some of the risks.

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Use Technology to Track Spending Easily

In today’s economic struggle, 9 Year Mortgage realizes that not only is the American economy struggling, but so are its people. Financially we are having a tough time and many are unsure of what to do. Recently 9 Year Mortgage has come across mint.com, a website that may help you to better plan your finances as well as track your spending. Keep reading to find out what 9 Year Mortgage has discovered about mint.com and what it offers to those who sign up for its free services.

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Costs That Can Ruin Your Retirement

It is said that what you don’t know can’t hurt you. However that is not the case when it comes to your retirement. What you don’t know can cost you, and in some cases it can cost you dearly. Advisers say there’s a host of unknown costs and fees lurking inside your 401 K plans, IRAs and other such retirement accounts. These fees can make a huge difference in your overall investment returns. Read on and 9 Year Mortgage will tell you what to look out for.

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The Target Your Wallet Creates

Do you consider yourself a hoarder? Most likely not, however there seems to be one item that nearly everyone has a problem downsizing or parting with: your wallet. 9 Year Mortgage finds it curious that both men and women have wallets that are continually growing and never shrinking, which is unfortunately more of an inconvenience for wallet-hoarders in the long run. Why you ask? Because one crime in particular is directly linked to thick wallets, and 9 Year Mortgage will give you one guess as to what it is…

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Is Retirement a Thing of the Past?

Maybe you have noticed how the late Silent Generation and now Baby Boomers are not ending their career path at the “normal” age? Maybe you, yourself, are at the expected age of retirement but are finding that the luxury of relaxing and not working is not something attainable within your 5-year plan. 9 Year Mortgage has found that many adults are having to and choosing to extend their career path’s for numerous reasons; let us tell you why.

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How to Teach Kids about Money

When it comes to kids, it is never too early to start talking dollars and sense. However parents are often scared to talk to their children about money because it means that they will have to admit their mistakes. But the consequences of not teaching these lessons to your children could be more dire than ever. Children now a days need to learn and understand much more than basic budgeting. They need to understand how to save for their retirement, manage health care cost and even cope with diminished Social Security Benefits. Yes this sounds like we are jumping the gun, but 9 Year Mortgage thinks proper preparation of your children, even at a young age, can start them down the path of a successful financial life. Read on a 9 Year Mortgage will give you tips on how teach your kids about money.

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Fast Ways to Save Money Now

With a free-falling stock market, everyone is being more frugal. 9 Year Mortgage says that with the falling market and the economic uncertainty that comes with it has the most frugal looking for new ways to save. Many of the easiest way to do so may not even require that much sacrifice. Read on and 9 Year Mortgage will give you tips on how to save money fast!

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Why You Should Talk to Your Kids About the Market

No one is oblivious to the fact that the stock market is commanding the attention of every headline, news station, and adults small talk. 9 Year Mortgage believes it would be insensible to think that your child hasn’t noticed all the chatter about the markets, which is why it is so important not to ignore their questions or interest in the topic. 9 Year Mortgage is aware that explaining the markets is a hard feat to accomplish, considering many adults do not fully understand it themselves, but even the simplest attempts to explain it in elementary terms may help your children become better investors and savers in their adulthood.

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Good and Bad News for College Students

Should we discuss the good or bad news first? Since it’s better to end on a positive note, 9 Year Mortgage is sorry to say that the already steep costs for college tuition have once again spiked in over 30 different sates. On the upside, the new debt deal may have cut military spending and made the stock market plummet, but college grants did get a funding boost. An increase in awarded pell grants could be the best news to those students who are married, older, or who come from homes with low finances; But a wise word for all of you parents who earn enough to make your dependent child ineligible for grants – Your bank account may be drained from tuition or your child will have a dramatic increase in debt.

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9 Reasons to Cancel Your Credit Cards

With a growing number of merchants not accepting cash anymore and the U.S. Treasury printing fewer dollars, we are moving closer and closer to an all-plastic economy. This is great news for banks, credit card companies, and marketing establishments which can now go through our transactions and our personal lives in more detail. However is it a good idea to go all cash? What are some of the main reasons to cut back on spending with credit cards? Continue on and 9 Year Mortgage will go over 9 reasons why you should consider going all cash.

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Mobile Banking Gets Even Riskier

Mobile banking is super convenient but it comes with privacy issues and other threats. Mobile banking, also known as, “digital wallets” let consumers pay with just a swipe of a smartphone and could make the plastic credit card obsolete. However, the technology could also chip away at our privacy and tempt us to spend more than we really would. Read on and 9 Year Mortgage will discover the good and the bad of digital wallets.

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How to Choose Between a New or Used Vehicle

It is inevitable that your long-time family car will eventually seize up and kick the bucket. Or maybe your like the many people who like to trade in their car every couple of years to avoid serious maintenance fees; You even may be possibly thinking of investing in another car for your older teens to share, so you’re not left stranded at home every night while they rendezvous with friends. What ever the case, when it comes to buying a “new” car for your families use, you can never be too careful. 9 Year Mortgage poses the question of what do you prefer to buy: New or Used cars? And Why? A second part to such a question is how do you afford it? 9 Year Mortgage has some helps and hints when it comes to such questions, and we’re here to share them with you!

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6 Secrets Your Parents Won’t Tell You About Their Money

Have you ever wondered if your parents are being completely truthful when it comes to their finances? Do they have an old collection that may actually be worth thousands of dollars, or do they act poor but really have stacks of cash stashed away? Maybe their house is paid for and you have a sizable inheritance coming your way and you don’t even know it. If you have ever wondered about your parents money then read on and 9 Year Mortgage will tell you the 6 things you don’t know about your parents and their money.

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Are You Putting Off Your Retirement For Your Grown Children?

9 Year Mortgage is becoming increasingly aware of the unfortunate trend of grown children relying on their parents for financial support. The unfortunate part of grown children relying on their parents for financing is due to the fact that it is ruining their parents chance for retiring or their retirement funds. Between helping your children with mortgages, rent, child care, gifting or allowing them to live at your home, you are jeopardizing your opportunity for a successful retirement and 9 Year Mortgage will show you how.

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How Much Should I Spend on a Home?

For most people buying a house will be the biggest purchase they make in their life, and one they will be paying off for years, or even decades to come. Given that it’s such a big decision, how do you know how much to spend on a home? Spending too much on a home could leave you with little to no money for other goals, such as retirement, college funds, vacations, and toys. 9 Year Mortgage encourages you to read on so that you don’t make the mistake of overspending on your home!

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New Credit Score Rules You Need to Know

The promise of a free credit score may no longer be a marketing ploy now that a new financial reform bill has changed how the credit reporting system works. You will now be entitled to an explanation from lenders who offer you sky-high interest rates or deny you all together. Read on and 9 Year Mortgage will let you know what else to look for.

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Documents You Need Before You Die

When it comes to getting your affairs in order before you die, most people know what to do, except for when it comes to the documents you need. You may think that just signing a bunch of papers establishing your estate plan and other end-of-life instructions would be enough, however it is not. You also have to make sure that your heirs are aware of these documents and where they are located. If you are not sure what documents you need, read on and 9 Year Mortgage will tell you.

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