Recent content by Zivany_sl

I saw the buddah it was a hella long line but really cool!

I think the maximum one can pay towards a mortgage is 41% of their income. So divide that by 12 and there is the maximum mortgage payment you can get. I use a pretty average rate like 3.75% for a 30y loan and calculate the total home cost with the help of a financial calculator. If I don't have...

Have you thought about a variable annuity?

For Number 1 it really depends on what you want to do with the home. ARMs are usually for investors who see the equity in the home rising and being a source of income; they don't want to own. 30y fixed is the traditional way to go but rates on 15 and 20y are so low they can be feasible. If you...

If you have the cash, usually $300+, secured cards work pretty well. They report the same on your credit. Downside is they usually have an annual fee. I've had lots of people get counter-offered for a partially secured card. If you have been with a bank for a while, sometimes they can request a...

Thanks for the reminder. I have to start saving for my son's college education. It is going to be expensive in 13 or so years. I'll probably go the 529 route since I will be having more kids. I'll ask my FA tomorrow and see if there are any other alternatives she can think of.

I'm a registered MLO and work for a commercial bank in WA. The best deals out there are with credit unions. They piss me off. I can't compete with their rates and fees. I mostly cover home equity loans but if you have any questions about a refinance let me know.

I'm studying for my Life and Health insurance license for the state of Washington. If I learn anything I will pass it on.

http://topdocumentaryfilms.com/has been a good place for me. Check it out.