Heroic Investing

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New Mortgage Regulations Don’t Apply to All Lenders

The year has just begun, and already predictions from housing industry experts are focusing on trends in real estate and mortgage lending for the next year. Among the most closely watched developments are new changes in lending regulations designed to affect most mortgage servicers, including banks and...

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Millennials Say Yes to Homeownership

A number of housing industry observers have raised concerns that the US is fast becoming a nation of renters, rather than homeowners – a phenomenon that, if true, has implications for home buyers and investors alike. But according to Marketwatch, a recent survey of young Americans suggests that rumors...

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The Truth Behind Retierment “Myths”

Lists of retirement “myths” – erroneous beliefs about planning for retirement – pop up fairly regularly in financial news. Though each list offers a different number of myths to worry about – five, seven or even ten or more – the goal is the same: to increase awareness about the pitfalls...

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Women Investors: Barriers are Falling

Women can expect to live fully one-third of their lives after retirement. But for many women of the baby boomer generation and beyond, traditional retirement financial strategies aimed at men just don’t work. For women of all ages, investing in real estate can be a way to create income streams for...

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Seller Financing: A New Subprime Mortgage Crisis

In the bad old days of the housing collapse, subprime mortgages were blamed as a major cause of the rush of foreclosures into the housing market and the subsequent downturn of the housing industry as a whole. As mortgage lenders have cleaned up their act, these risky loans appeared to be a thing of the...

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Home Prices Are Rising: Good News for Investors?

More evidence of a housing market recovery comes with news from a recent MarketWatch report that by the end of 2012, the US housing market had seen five consecutive quarters of home value appreciation – the largest yearly gain since 2006. But according to industry professionals, this upward trend,...

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Know and Protect Your Credit Score

Here’s the official word from the FTC: The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy...

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The AMT: Not Just For the Rich

Once reserved for only the highest of income brackets, the alternative minimum tax (AMT) now threatens middle-income taxpayers with the possibility of a bigger tax bite. Because this tax alternative, originally designed to close loopholes that let the very rich avoid paying taxes at all, the AMT was...

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Delinquent Mortgages May Still Hamper Housing Recovery

The good news is, the housing market is making a slow and irregular recovery, with home prices rising and new construction underway. Low interest rates are making mortgages and refinancing possible for more people. But the residue of the great housing collapse continues to affect the recovery. Mortgage...

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In Court or Out: Processing Foreclosures

Years after the great housing collapse, foreclosures continue to make real estate news, as industry experts watch the state of the foreclosure process as one indicator of the health of the housing market. In some regional markets foreclosure rates have dropped significantly - but in others, it's begun...

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