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David Leahey, Founder of Mansfield Mortgage Professionals in Essex Junction, Vermont, discusses current mortgage myths, as well as loan programs such as 100% financing through the USDA Rural Housing, VA, and also the FHA loan program. www.MMPVT.com Mansfield Mortgage Professionals 1-877-757-2540 Essex Junction VT 05452

A program designed to help you become debt free within 12 years or less. Copy and paste the link to your browser to get started-www.jnray.com

Studies show that black people are shouldering a disproportionate burden of the nation’s credit card debt, and thus are among those consumers who contribute the most to credit card industry profits. Several years ago, study data found that black cardholders who carry balances on their accounts are more than twice as likely as whites to pay high interest rates.

‘Master Your Debt’ author Jordan Goodman on credit-card companies efforts to get new customers.

www.absolutelyfreecreditscores.com Credit Card Debt and Interest Charges Credit card debt is one of the leading cause for needing to file for bankruptcy or take out mortgage loans on your home or other drastic measures. Studies indicate that credit card debt is slowly making a consumers financial situation bad or worse than ever before, and can also cause psychological depression and contribute to lower GPA’s and increased substance abuse among college students. Credit card debt can build up quickly, especially if you have more than one card and a habit of charging everything. Interest The interest is the money paid on a balance to a lender by the borrower, which is to be paid every month, if you roll over your balance from month to month. Interest doesn’t usually go down on its own, and when only minimum payments are made your balance can grow to un-manageable amounts. If you are late on a payment your interest rates can increase to 35 percent, making it very hard to pay off balances. With interest rates still on the rise, there’s no better time to take a good close look at your finances. Payment Debt, especially credit card debt can accumulate very fast and many people soon find themselves barely able to even make the minimum payments. Remember if you are late on only one payment, your rate could increase drastically. If you are not good at remembering payments, it’s wise to set up direct debits to pay your credit card bills. It’s always best to control your spending …

How can you best handle the anxiety of financial troubles? Tune in to learn how from a surprising yet wise source.

www.TeachMsOffice.com This video tutorial will show you how to make a fixed rate loan or mortgage calculator in excel. It is actually quite easy to do and after watching this step-by-step example and walk-through, you will be able to make your own also. This tutorial uses the PMT() function to calculate the required payments and it is also explained in the tutorial. To follow along with the spreadsheet seen in the tutorial or to get some free excel macros or tips & tricks, go to the website www.TeachMsOffice.com