College

Nine Year Mortgage knows that it is easy to get caught up in all of the financial “options” in this day and age. However, there are some choices that could send you into a financial downward spiral. Here’s a look at what Nine Year Mortgage thinks are the top ten unwise debt choices this year.

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With today’s low interest rates, the last thing you want is to find out you don’t qualify because your credit score isn’t high enough. In today’s economy, there are some surprising things that can work to lower your score. 9 Year Mortgage presents ten things that you will want to avoid in order to keep your credit rating high.

In recent years the bad economy and job market resulted in many young adults moving back in with their parents. This trend significantly limited the number of young adults starting new households or purchasing homes; However, the tide is beginning to shift as young adults and young families are leaving their parents homes and moving towards a more independent existence. It’s we will likely see far more young people starting fresh in a place of their own in the next few years.

9 Year Mortgage – Helping Your Grad Reduce their Debt Thousands of college students are graduating this month, and a lot of them have a substantial amount of debt to deal with. The poor economy means job prospects are few and far between, and recent grads are finding themselves unemployed or underemployed. Finances can be […]

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 9 Year Mortgage Advice: Teaching Financial Responsibility to Children The last thing you want as a parent is to see your child grow up to struggle with financial problems and debt like the hundreds of thousands of Americans who currently are.  9 Year Mortgage has 5 suggestions for teaching your children how to be money-smart. […]

9 Year Mortgage Suggests Four Ways to Increase Your Retirement Income Whether you want to work or have to work, there are many options available to help you earn extra income in retirement. Most retirees have years of work experience that can benefit employers, and many have the skills needed to start their own business […]

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In cultivating your credit score flawlessly I’m sure you’re the type of person who pays on time, and never leaves an outstanding balance, am I right? In your mind you’re golden! …Or are you. This may come as a surprise but these are not the key components to a superb credit score. Many consumers like you are unaware of what makes their credit scores move up and down.
Obviously you understand that the money that you spend and pay off per month in relation to your available credit effects your score but what you may not have realized is that they calculate your score from your total on your statement date and not the due date. You could have a balance that you don’t even know about which in turn hurts your credit, all the while you are unaware.

Here’s a little advice from 9 Year Mortgage on how to revamp your credit scores to what you want them to be while avoiding making those small decisions that can hurt big time.

So you’re finally at that age where you can retire, but the question is, can you? Most rush to leave the workforce, in years past up to half of retirees left their jobs by the age of 63. Because really, who wants to wait? You’ve been planning and saving and scraping for your retirement fund and now it’s finally time for you to relax and for all of that hard work to pay off. That is, if you did save and scrape and plan. A rising number of individuals in America now state that they do not feel confident that they will be able to retire by the age of 60; in fact only 13% of American employees feel confident that they will be able to live comfortably on their retirement fund. The financial doubt even reaches out to those who are already retired; over 70% have expressed worry that they do not have sufficient funds to support themselves for the rest of their retirement.
These days it isn’t simple to retire by any means but there are ways for you to get back on track with your plan. 9 Year Mortgage is here to help you take the first few steps towards the financial stability you deserve. Let’s take a look at some helpful advice and ideas to help you get to where you need to be.

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For couples nearing retirement you may want to start thinking of a strategy to help you meet your financial goals, while still having the ability to travel along as you are crossing things off of your long- awaited wish list. 9 Year Mortgage can help you get there.

If you’re having a hard time imagining yourself for the next 30 years with the same job, and in the same financial position that you are in now then it’s time to make some changes. Here are some ways to cut costs and fast forward your retirement options.

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There are many unwise choices to be made when it comes to retirement savings, and risks that shouldn’t be taken. See, the problem is that we live in financially unstable times, times in which people are making investments they wouldn’t normally out of fear for security, but there are other options. Here are some tips about areas not to invest or spend your money in:

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It might come as a surprise to some that the amount of money a family can potentially save through state taxes for college savings varies tremendously on the location of the person. Although many people believe 529 plans to be the best way to save money for their children`s education in the future, there is a risk depending on where a person lives that should help determine if this plan is worth investing in.

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.

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.

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.

In this article, Nine Year Mortgage will share a few options that you have in helping your children start saving for their future education. We all know that education is widely thought of as a key to our future success. In order for us to get that key, we must have money to fund our educational endeavors. Starting to invest early helps money to grow over time. These plans will help your child’s money grow, so you can stress less about how they will end up pay for college.