Surviving The Credit Crisis Karen Simpson-hankins, Ctacc

The phone rings. You glare at the phone, you begin to sweat and little by little panic begins to set in with each ring. You don’t know what to do! You are afraid to answer it, because it just might be a creditor or a collection company calling looking for payment? Maybe if you ignore […] The post Surviving the Credit Crisis – How Do You Know When You Need Help From a Credit Counselor? appeared first on WebTalkRadio.net.

In the last several years of credit crisis and the burst of America’s housing bubble, we’ve witnessed the collapse of the mortgage industry as we know it. Change, change and more change has haunted the mortgage industry pretty much on a daily basis. Changes that were actually a reversion back to original lending guidelines from […] The post Surviving the Credit Crisis – Mortgage Money Today! appeared first on WebTalkRadio.net.

I was reading an article yesterday entitled “Homeownership Rate Declines to Lowest Level since 1995” and I can’t help but question how the continued wave of foreclosures, media hype and negativity about the housing market, and restrictive lending policies are playing a part in the decision making process for today’s home buyer. Remember the old […] The post Surviving the Credit Crisis – It’s Time to Take Control of Your Home Buying Experience! appeared first on WebTalkRadio.net.

Are you fed up with the credit crisis? Does your financial life feel totally out of control? When you begin to think about buying a home or getting a mortgage, do the stories you hear from friends, family, or the media leave you feeling confused, frustrated, and not sure where to turn? Today’s NEW mortgage […] The post Surviving the Credit Crisis – Today! Home Buyer Education is Critical to Your Overall Financial Fitness… appeared first on WebTalkRadio.net.

Buying a home is usually one of the biggest dreams we have as adults, but signing and closing on a mortgage loan is really just the beginning of your homeowner responsibilities. I recently ran across a great blog post on How to Budget for Home Maintenance by Adam Faughn and I just had to share […] The post Surviving the Credit Crisis – Owning and Keeping Your Home, The Responsibilities Continue… appeared first on WebTalkRadio.net.

Have you ever wanted to own a piece of land to grow your own food? Maybe…your dream is cleaner air, sunny skies, and starlight nights on a water property where you can retire? Today, Rural America is becoming more and more popular among new home buyers, but…do you know that homes with land come with […] The post Surviving the Credit Crisis – Rural Living and “The Secrets” to Rural Property Financing. appeared first on WebTalkRadio.net.

Your child is headed off to college and the moment they arrive, they are bombarded with the continued threat of debt as student loans and credit card promotions compete to occupy their mind! Will they be ready? Do they have a financial success plan already in place? Join me today as my guest, Gail Haynes, […] The post Surviving the Credit Crisis – Give Your Child a Master’s Degree in Money, Entrepreneurship, and Life BEFORE they go to college! appeared first on WebTalkRadio.net.

Most people borrow money to purchase something they can’t afford to pay for in a lump sum with cash, usually consisting of a home, autos, and college. When used properly, debt can be a very valuable tool in achieving your financial goals and can even make you money over time. But, used incorrectly…it has the […] The post Surviving the Credit Crisis – To Buy or not to Buy…Is that really the question? appeared first on WebTalkRadio.net.

You are standing in a local department store and you’re about to make a purchase. You pull out your credit card to pay for the item. You want it and you want it NOW!!! The gratification that we get from plastic is just like any other form of drug, it feeds our needs when we’re […] The post Surviving the Credit Crisis – What’s your Credit IQ? appeared first on WebTalkRadio.net.

You’re sitting across the desk from a lender and they’re about to pull a credit report. You find yourself beginning to sweat as you wait for the number that may change your life! It’s your credit score! You ask yourself, “Do I even know what’s on my credit report?” Will it be good news or […] The post Surviving the Credit Crisis – The Mystery and Myths of Credit Reports appeared first on WebTalkRadio.net.

It’s month end…time to pay bills and you ask yourself, “Where does all our money go? I work hard, I make good money, but there is always more month than money?” In today’s reeling economy, more and more consumers are struggling to get control of their finances. Most people don’t realize it, but it all […] The post Surviving the Credit Crisis – Where’s Your Money Going? appeared first on WebTalkRadio.net.

Imagine yourself sitting at your kitchen table in shock as you break into a sweat, asking yourself, “How did this happen to me?” You’ve just been laid off, down-sized, or your employer has gone out of business due to the economy. You’re unable to make your house payment this month and the future is looking […] The post Surviving the Credit Crisis – The Unemployment Budget! appeared first on WebTalkRadio.net.

Have you ever been so overwhelmed with emotion or a problem that you’re paralyzed with fear? Has the mortgage credit crisis left your head spinning as the value of your home dropped by 50 to 60%, leaving you upside down with no equity? Are you falling behind on your house payments and you’re afraid to […] The post Surviving the Credit Crisis – The Pros and Cons of Short Sales! appeared first on WebTalkRadio.net.

As I watched the news coverage on Hurricane Sandy, I was overwhelmed with the destruction and force of this super storm! It made me realize how blessed I am to live where Mother Nature’s wrath is a lot more forgiving! But, then I got to thinking about how being PREPARED can help us weather any […] The post Surviving the Credit Crisis – Why You Should Always use a Realtor – What They Know That YOU Don’t! appeared first on WebTalkRadio.net.

Today on “Surviving the Credit Crisis” we will be discussing one of the hottest, most controversial topics in the mortgage business “Shopping for a Lender – The Interview Process.” One of the biggest decisions that you will make in the Home Buying Process will be choosing and working with a lender. Not only picking a […] The post Surviving the Credit Crisis – Shopping for a Lender – The Interview Process appeared first on WebTalkRadio.net.

Have you ever experienced that sick, panicky feeling in the pit of your stomach when you realize you’re lost? Does the whole idea of buying a home or getting a mortgage leave you with the same feeling? If so, you’re not alone! But, just like with any other journey, if you don’t know where you’re […] The post Surviving the Credit Crisis – The Home Buying Process – Where do you start? appeared first on WebTalkRadio.net.

Did you know it’s what consumers don’t know…they don’t know…that puts them at risk? Join me today…as I share with you a recent powerful interview with Kate Dalley of FOXS NEWS 1450 KZNU as we discuss how recent changes in the mortgage industry are impacting today’s home buyers, sellers, and well…actually, everyone! It’s pretty intense […] The post Surviving the Credit Crisis – Let the Buyer Beware… appeared first on WebTalkRadio.net.

Are you fed up the credit crisis? Does your financial life feel totally out of control? Does even thinking about buying a new home or getting a mortgage send you running for the hills? If so, you’re not alone! Join me as we discuss “Why walking into your local bank and taking the first loan […] The post Surviving the Credit Crisis – The Risk of the One-Size-Fits-All Loan! appeared first on WebTalkRadio.net.