/personal/index.shtml Personal Finance zh-cn <a href='http://www.dedecms.com' target='_blank'>Power by DedeCms</a> kkcba@163.com /personal/Taxes/2007092925234.shtml WALTHAM, Mass. (AP) -- Lottery revenue fell $120 million short of projections, House Speaker Salvatore DiMasi said Friday, meaning already cash-strapped cities and towns may have to prepare for less state aid in the future. In a rare public scolding 2007-09-29 Taxes 秩名 en.yinlu.net /personal/Mortgages/2007092925193.shtml Community development organizations have long been a great resource for low-income families who need help becoming home owners. But with the subprime mortgage crisis, their priorities are shifting. "In the past, most people came to us seeking advice 2007-09-29 Mortgages 秩名 en.yinlu.net /personal/Taxes/2007092924898.shtml DETROIT (AP) -- A federal judge sentenced Robert "Tractor" Traylor to three years of probation Friday after the former NBA player admitted to preparing a false tax return that hid assets of a convicted drug dealer. Traylor, 30, pleaded guilty in Janu 2007-09-29 Taxes 秩名 en.yinlu.net /personal/Banking/2007092924720.shtml Gerri Willis handles all your questions on stopping credit card offers, payment plans and a reader weighs in with a helpful tip. Question 1: How do I get my name removed from credit card mailing offers? - Al, New York Here's what you need to do. Go t 2007-09-29 Banking 秩名 en.yinlu.net /personal/Retirement/2007092823393.shtml At an AARP Democratic presidential candidate forum in Iowa last week, Sen. Hillary Clinton said she would take the same approach to saving Social Security that "the first Clinton administration" did. "When my husband left office ... Social Security w 2007-09-28 Retirement 秩名 en.yinlu.net /personal/Retirement/2007092823392.shtml Paying for your retirement years is likely the single most expensive undertaking in your life, and chances are you've already started financially preparing for it. But no matter how much you've saved for this next stage in life, your dream of retirem 2007-09-28 Retirement 秩名 en.yinlu.net /personal/Retirement/2007092823391.shtml We've often discussed ways you can make the most out of your retirement plan. One of the biggest considerations--but certainly not the only one--involves choosing the right mix of investments. Because most employer-sponsored plans, such as 401(k)s or 2007-09-28 Retirement 秩名 en.yinlu.net /personal/Retirement/2007092823390.shtml I replaced one of the downspouts of my gutter with a rain chain this summer. When a recent rain ran over the copper and brass links, it reminded me of how much rain chains are like retirement investing. The zen of investing Rain chains have a long hi 2007-09-28 Retirement 秩名 en.yinlu.net /personal/Retirement/2007092823389.shtml Dear Tax Talk : I have a small nondeductible IRA that started in 1984 and I did not file Form 8606 with each of the small contributions I made throughout the past years. Next year I will have to claim my IRA. Is there anything that I can show as pro 2007-09-28 Retirement 秩名 en.yinlu.net /personal/Retirement/2007092823388.shtml Dear Dr. Don, I can live on the bank's interest during retirement, so should I not touch my 401(k) until I am required to do so at age 70-and-a-half? On the advice of a smart friend, I will take Social Security at age 62 even though I won't need it. 2007-09-28 Retirement 秩名 en.yinlu.net /personal/Mortgages/2007092823224.shtml NEW YORK (Reuters) - KB Home posted a wider-than- expected quarterly loss on Thursday on write-downs for land values and 28 percent fewer homes sold, as a swelling supply of new and existing homes and tighter mortgages kept buyers sidelined. The U.S 2007-09-28 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007092823223.shtml Dear Dr. Don, We bought a house in 2007, but it took a few months for our old home to sell, so we used a bridge loan. To make it work we had to finance the new home with a five-year, interest-only adjustable rate mortgage at 6 percent. Now that our 2007-09-28 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007092823222.shtml If you can no longer make your mortgage payments and your home is now worth less than you owe on it, foreclosure may not be your only option. A short sale Short sale A short sale , in real estate terms, is a sale of a house in which the sale price is 2007-09-28 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007092823221.shtml Mortgage rates spiked this week, even as the real estate outlook grew more dismal. Most of the past week's rate rise occurred last Thursday, two days after the Federal Reserve cut short-term interest rates, as investors lost sleep over the effects of 2007-09-28 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007092823220.shtml The bullhorn message from the government to mortgage lenders has been: Bend. Do what you can to help struggling homeowners. The message to troubled homeowners has been: Call your lender. You may be able to work something out. Despite the persistent b 2007-09-28 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007092823219.shtml NEW YORK (Reuters) - Builder Lennar Corp (NYSE: - ), the No. 2 U.S. home builder, on Tuesday reported its worst-ever quarterly results as the crumbling housing market led to a much wider-than-expected loss, sending its shares to a five-year low. Len 2007-09-28 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007092823218.shtml Since the subprime crisis erupted, plenty of blame has been pinned on the big credit rating agencies. Just what went wrong at these firms - and what can be done to stave off another disaster - will be the topic of hearings on Capitol Hill this week. 2007-09-28 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007092823217.shtml If you had to name the most toxic, dangerous, foolhardy kind of mortgage loan that exists, you'd very likely pick a pay-option ARM, which lets borrowers get deeper into debt by paying less than the minimum interest they owe each month and adding the 2007-09-28 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007092823216.shtml Dear Dr. Don , When making extra principal-only mortgage payments on a conventional fixed rate 30-year mortgage -- is it better to make an additional principal payment every month, or can we make one lump-sum payment each year? I'd like to put an ex 2007-09-28 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007092823215.shtml LONDON (Reuters) - After a hefty cut in interest rates and the dollar's plunge to new record lows against a surging euro, investors will closely watch data for clues on how seriously problems in credit markets are affecting the real economy. An aili 2007-09-28 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007092823214.shtml I read with curiosity a personal finance article (in Australia) about fixing your home loan interest rate. Well, whether you fix it is going to depend on what part of the globe you live in. We have seen an 0.5% cut in the US. Locally we still have t 2007-09-28 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007092823213.shtml NEW YORK (Reuters) - U.S. mortgage lenders are cutting advertising budgets due to a global credit squeeze, but they are not likely to reduce Internet search marketing anytime soon, executives at search leader Google Inc said on Thursday. A meltdown 2007-09-28 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007092823212.shtml WASHINGTON (Reuters) - The top two U.S. economic policymakers told Congress on Thursday that allowing the biggest home finance companies to buy larger loans could ease mortgage market strains, but should be coupled with tighter regulation of the fir 2007-09-28 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007092823211.shtml Make more money available for mortgages to ease the credit crunch. Give borrowers greater protection from predatory lenders. And encourage homeowners to call their bank. Those are just a few of the proposed remedies being debated in Washington for re 2007-09-28 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007092823210.shtml WASHINGTON (Reuters) - President George W. Bush said on Thursday that the economy remained strong, with low inflation and a healthy job market, despite "unsettling times" in the housing market. "The fundamentals of our nation's economy are strong," 2007-09-28 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007092823209.shtml SAN FRANCISCO (Reuters) - While California suffers in the housing crisis, the economy of nearby Washington state is flourishing with strong job growth and some of the highest appreciation in home prices in the nation. The outlook for Washington's ec 2007-09-28 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007092823208.shtml The House of Representatives passed a bill on Sept. 18 that would allow the Federal Housing Administration (FHA), a government agency that insures mortgages for low- and middle-income borrowers, to back refinanced loans for borrowers who are delinque 2007-09-28 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007092823207.shtml When Federal Reserve Chairman Ben Bernanke heads to Capitol Hill on Sept. 20 to talk to members of the Financial Services Committee, he shouldn't be feeling too confident. True, the markets have rallied for two days following his surprising interest 2007-09-28 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007092823206.shtml Yes, the Federal Reserve cut short-term rates. No, that doesn't mean that mortgage rates will inevitably go down, especially in the short term. A look at mortgage rates must begin with a history lesson. From Jan. 3, 2001, to June 25, 2003, the Federa 2007-09-28 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007092823205.shtml Dear Dr. Don, The company 1st Financial is offering me an accelerated software package for $3,500 that is supposed to wipe out years of interest with a HELOC. Why not save $86,000 in interest and be mortgage-free in 3.9 years versus 24 years with a 2007-09-28 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007092823204.shtml The Federal Reserve cut interest rates this week. So naturally, mortgage rates went along for the ride, right? Wrong. The benchmark 30-year fixed-rate mortgage rose 4 basis points to 6.32 percent, according to the Bankrate.com national survey of larg 2007-09-28 Mortgages 秩名 en.yinlu.net /personal/Taxes/2007092823203.shtml WASHINGTON (AP) -- Democratic presidential candidate John Edwards reversed course Thursday by signing onto the public financing system he once rejected with the belief he could raise more money on his own. The 2004 vice presidential nominee claimed h 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092823202.shtml TORONTO (AP) -- Canada's federal government had a 13.8 billion Canadian dollar ($13.7 billion) budget surplus in its last fiscal year and used it to pay down debt, Prime Minister Stephen Harper said Thursday. The prime minister said the surplus is a 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092823201.shtml IRVINGTON, Ala. (AP) -- Legislation designed to help the Gulf Coast real estate industry and coastal homeowners hit by high insurance rates was unveiled Wednesday, but Gov. Bob Riley said there is no current consensus to address it in a special sessi 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092823200.shtml Dear Tax Talk: If a person has surgery in another country (Mexico) and pays for it out-of-pocket, are those expenses tax deductible (travel, hospital, surgeon)? -- Mary Dear Mary, News reports have recently focused on the popularity of overseas surg 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092823199.shtml NEW YORK (AP) -- Starting in October, hundreds of Americans will be getting "Dear Taxpayer" letters telling them they've been selected for a special audit by the Internal Revenue Service. The 13,000 chosen at random this year -- and similar numbers i 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092823198.shtml COLLINSVILLE, Ill. (AP) -- A Holiday Inn built with millions of dollars in state loans that have not been repaid goes up for sale at Madison County's courthouse next month, marking the end of foreclosure efforts. But State Treasurer Alexi Giannoulias 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092823197.shtml PARIS (AP) -- French President Nicolas Sarkozy unveiled his first budget on Wednesday aimed at pulling off a double whammy: encouraging growth with fiscal stimuli, while containing the burgeoning budget gap. The 2008 budget, which will be submitted t 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092823196.shtml TALLAHASSEE, Fla. (AP) -- The Senate wants Florida to appeal a court decision that said a proposed ballot question on property taxes is misleading, hoping to still get the measure before voters in January, Senate President Ken Pruitt said Tuesday. La 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092823195.shtml HARRISBURG, Pa. (AP) -- Harrisburg School District officials said they made an honest mistake when they approved a property-tax increase that was higher than allowed by a 2006 law aimed at cutting homeowners' property taxes. But they still received a 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092823194.shtml WASHINGTON (AP) -- Groups representing most facets of the nation's health care system are lining up in support of a large spending increase for a popular children's insurance program, even as President Bush renewed his veto vow Tuesday. The major lob 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092823193.shtml SANTA BARBARA, Calif. (AP) -- California bank operator Pacific Capital Bancorp said Tuesday it signed new three-year agreements with affiliates of tax preparer Jackson Hewitt Tax Service Inc. for tax return and technology services. Financial terms of 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092823192.shtml Dear Tax Talk, If you are a real estate professional spending 750-plus hours per year on your profession, what is the tax treatment of a cash down payment used in the purchase of rental real estate? Is the amount of the down payment fully deductible 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092823191.shtml GREENBELT, Md. (AP) -- A vice president at an Internal Revenue Service contractor was sentenced to 30 months in prison Monday and ordered to pay $1.4 million in restitution for submitting false reimbursement claims to the tax agency. Ketan Shah, 51, 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092823190.shtml INDIANAPOLIS (AP) -- Property taxes would be cut by about one-third and the revenue replaced by increases in sales and individual income taxes under a proposal presented by the state's largest farm advocacy organization Monday. The Indiana Farm Burea 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092823189.shtml Lawmakers have effectively denied roughly 23 million taxpayers the ability to plan adequately for their taxes this year. That's because they have yet to decide just what they're going to do about the Alternative Minimum Tax (AMT). If they end up doin 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092823188.shtml WASHINGTON (AP) -- President Bush on Monday criticized the Democratic-led Congress for failing to pass spending bills on time, saying they might be trying to "sneak in all kinds of special projects." Democrats said Bush has no room to talk. "After ru 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092823187.shtml PARIS (AP) -- France, its prime minister says, is bankrupt. The head of the European Central Bank, Frenchman Jean-Claude Trichet, is no less damning, scolding his nation as Europe's "No. 1 spender." That the country has been living beyond its means i 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092823186.shtml SPRINGFIELD, Ill. (AP) -- All the pieces could be, just might be, falling into place for major gambling expansion in Illinois. Lawmakers desperately want money for transportation projects throughout the state and mass transit in Chicago. Ways to prov 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092823185.shtml CHELSEA, Quebec (AP) -- Canada and the U.S. formally agreed Friday to eliminate the so-called withholding tax on investment interest that businesses have long said curtails investment between the two countries. U.S. Treasury Secretary Henry Paulson a 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092823184.shtml RESTON, Va. (AP) -- Republican presidential candidate Rudy Giuliani said Friday that the alternative minimum tax -- which is expected to generate as much as $1 trillion over the next 10 years -- could be eliminated over the long term by balancing it 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092823183.shtml NEWARK, N.J. (AP) -- An Internal Revenue Service agent on Thursday pleaded guilty to charges he helped a real estate developer avoid taxes and also failed to pay taxes on $250,000 he embezzled from the developer. Federal prosecutors said that in addi 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092823182.shtml HARTFORD, Conn. (AP) -- The state of Connecticut is suing a technology services and consulting company over the loss of confidential information for 58 Connecticut taxpayers and hundreds of state bank accounts. Attorney General Richard Blumenthal sai 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092823181.shtml Dear Tax Talk: Can I deduct a drug rehabilitation from my taxes if I paid it out of my pocket for a family member? Is that considered a medical deduction? -- Ryan Dear Ryan, Medical expenses include amounts paid for an inpatient's treatment at a the 2007-09-28 Taxes 秩名 en.yinlu.net /personal/Banking/2007092822828.shtml As more and more people get frustrated with the sluggish housing market, people who want to sell their homes are looking at a different tactic...auctioning off their home. We'll tell you what you need to know if you're thinking about putting your hom 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092822827.shtml The US subprime market mess appears to have claimed its first senior Asian victim this week, with the departure of Jackson Tai, chief executive of DBS Bank. South-east Asia's largest lender recently doubled its previous estimate of exposure to collat 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092822826.shtml CHICAGO (MarketWatch) -- Credit-card delinquencies fell slightly during the second quarter, even during a time that some consumers struggled to keep up with their mortgage payments, according to the American Bankers Association's Consumer Credit Deli 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092822825.shtml The subscale, regional business model of the Landesbanken is kaput. Despite a flurry of activity among Germany's regional state-controlled banks, attempts to address this problem are likely to fall short of the mark. Following the pain of the subprim 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092822824.shtml Northern Rock's market capitalisation has shrunk to less than 1 per cent of its assets. That means wild swings: within one hour yesterday the shares moved by 36 per cent. It has also attracted bottom-fishers, with a prominent hedge fund taking a stak 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092822823.shtml Everybody likes free stuff. So put your wallet away and get out those pencils. We went out to find the best deals out there for the taking. 1: Free Samples Let's face it...free stuff is the best stuff. You have to be careful of free-product programs. 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092822822.shtml When The University of Minnesota's 52,000 students arrived in early September, they received new "U Cards," a multi-purpose ID that doubles as a library and security card. But the new IDs also have debit and ATM features for students who open a check 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092822821.shtml Ever had a really, really bad day? Your water heater blows up. You're in the basement cleaning up the mess, and you hear a huge crash -- a tree falls on your house. Running outside to look at the damage, you see a Mack truck backing over your car, sq 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092822820.shtml Question 1: Will the lower rate affect the interest rate the credit card company charges me? - Kim, TX The rate cut is a good thing if you're a credit card holder. If you have a variable rate card, you could see your interest rate go down slightly ac 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092822819.shtml There's nothing quite like the joy of a new (or a nearly new) car. Everything works exactly as it should, the paint shines, the motor purrs, the interior is clean and has that wonderful new-car smell, and if anything should go wrong, the dealer will 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092822818.shtml What's one of the most ruinous and underrated things that can rob you of money over your lifetime? Neglect. You know what I'm talking about. Picture this scene: You're at your 6-year-old's soccer game, chasing your 3-year-old out onto the field. Your 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092822817.shtml Quick questions: Would you rather spend $50 on unnecessary electricity, or on a share of stock that will help provide for a more comfortable retirement? Would you rather spend $100 on an unnecessarily inefficient refrigerator, or on a night out with 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092022142.shtml Forget Northern Rock. The UK bank most damaged by the credit crisis may actually be the Bank of England. After Wednesday's announcement of further market interventions, its actions resemble a series of concessions ending in capitulation. Back in Augu 2007-09-20 Banking 秩名 en.yinlu.net /personal/Taxes/2007092022091.shtml In the two decades since Americans for Tax Reform began asking candidates to sign a pledge not to raise taxes, no Republican has been nominated for president without doing so. That track record might end in 2008. While all of the top four contenders 2007-09-20 Taxes 秩名 en.yinlu.net /personal/Mortgages/2007092021741.shtml NEW YORK (Reuters) - Mortgage insurers' shares rose on Wednesday as investors saw them benefiting from regulatory moves that will boost their business. Earlier on Wednesday the regulator for Fannie Mae (NYSE: - ) and Freddie Mac (NYSE: - ), the bigg 2007-09-20 Mortgages 秩名 en.yinlu.net /personal/Retirement/2007092021740.shtml Whether you're a RINK (retired, independent, no kids) or a DINK (dual income, no kids), you may find that building a nest egg for the golden years isn't enough. If you don't have children, you need to ensure that someone will look out for your best i 2007-09-20 Retirement 秩名 en.yinlu.net /personal/Taxes/2007092021739.shtml TOWSON, Md. (AP) -- Gov. Martin O'Malley made public his proposal for a new income tax structure for Maryland Wednesday as an important step toward tackling a tough $1.7 billion deficit next year. The governor said he wants to hold a special session 2007-09-20 Taxes 秩名 en.yinlu.net /personal/Taxes/2007092021738.shtml EAST RUTHERFORD, N.J. (AP) -- Even though New Jersey's two NFL teams are paying for the construction of a billion-dollar stadium in the Meadowlands complex, the state's taxpayers may not emerge unscathed. The New Jersey Sports and Exposition Authorit 2007-09-20 Taxes 秩名 en.yinlu.net /personal/Banking/2007092021419.shtml Would you like to know what 36,298 credit card users had to say about the 61,944 cards they've used recently? Would you like to know which ones they like the most? Well, the Consumer Reports National Research Center has some answers for you, along wi 2007-09-20 Banking 秩名 en.yinlu.net /personal/Mortgages/2007091921101.shtml If the Federal Reserve cuts interest rates Tuesday as expected, borrowers with mortgages that are about to reset to higher levels will get a break. Many adjustable rate mortgages are tied to one-year Treasurys, which tend to follow in the same direct 2007-09-19 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007091921090.shtml E-trade finally 'fessed up to being burned by the mortgage market. After reassuring investors repeatedly that its portfolio was solid, the online brokerage has belatedly signed up to the roster of companies disclosing heavy losses from residential mo 2007-09-19 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007091920309.shtml CHICAGO (MarketWatch) -- For debt-weary consumers, the Federal Reserve's decision to shave interest rates on Tuesday is welcome news for their stock holdings but won't do much for their mortgage payments or savings accounts. Responding to fears that 2007-09-19 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007091920069.shtml NEW YORK (Reuters) - Home builder sentiment fell for a seventh straight month in September as tougher mortgage requirements hindered sales from bloated inventories, the National Association of Home Builders said on Tuesday. The NAHB/Wells Fargo Hous 2007-09-19 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007091819328.shtml NEW YORK (Reuters) - Lehman Brothers Holdings Inc. (NYSE: - ) posted a 3.2 percent decline in quarterly earnings on Tuesday as the U.S. investment bank wrote down mortgage and leveraged loan assets, but the results beat expectations and its shares j 2007-09-18 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007091819086.shtml NEW YORK (Reuters) - Accredited Home Lenders Holding Co (NasdaqGS: - ), a struggling subprime mortgage lender, on Tuesday posted a $260.2 million quarterly loss and said it remained unsure it would survive the fallout from a slumping U.S. housing ma 2007-09-18 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007091818795.shtml WASHINGTON (Reuters) - The U.S. Federal Reserve is expected to chart a new course on Tuesday and cut benchmark interest rates for the first time since mid-2003 to protect the economy from a housing downturn and jittery credit markets. Fed Chairman B 2007-09-18 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007091818656.shtml PALM BEACH GARDENS, Fla. (MarketWatch) -- Too many borrowers may be unfairly blaming credit scores for their higher-than-expected loan rates or extra credit-card fees, according to a recent working paper. The real culprit may be your own misunderstan 2007-09-18 Mortgages 秩名 en.yinlu.net /personal/Taxes/2007091818655.shtml HARTFORD, Conn. (AP) -- The state comptroller's office, under fire from the governor, said Monday it has taken the necessary steps to protect taxpayers and state agencies from any possible fraud stemming from a computer backup tape stolen in Ohio. "W 2007-09-18 Taxes 秩名 en.yinlu.net /personal/Taxes/2007091818478.shtml WASHINGTON (AP) -- The Internal Revenue Service said Monday it has added a new section to its Web site to answer tax questions for those losing their homes due to foreclosures. The new section on IRS.gov includes a worksheet to help homeowners determ 2007-09-18 Taxes 秩名 en.yinlu.net /personal/Retirement/2007091818078.shtml Companies will soon have more reason to do something fairly simple that could boost their workers' retirement income from 401(k)s by 50 percent or more - and workers won't have to do anything but stay out of the way. Come January, certain provisions 2007-09-18 Retirement 秩名 en.yinlu.net /personal/Retirement/2007091817472.shtml It's hard enough to save for retirement without having your employer working against you. But if your employer doesn't give you good investment choices in your 401(k), you'll find it even more difficult to reach your goals. A recent story in the Wall 2007-09-18 Retirement 秩名 en.yinlu.net /personal/Banking/2007091717206.shtml The banks falling furthest in sympathy with Northern Rock hail from the UK, Spain and Ireland. These included all 10 of the European sector's worst performers on Monday. None appear to be in difficulty. Spain's central bank made a public statement th 2007-09-17 Banking 秩名 en.yinlu.net /personal/Banking/2007091717205.shtml "There is an element in the readjustment of our financial system more important than currency, more important than gold, and that is the confidence of the people." Four thousand US banks had closed when President Franklin D. Roosevelt spoke those wor 2007-09-17 Banking 秩名 en.yinlu.net /personal/Taxes/2007091717067.shtml Dear Tax Talk: I recently converted a rollover IRA to a Roth IRA. Would you know if I have to make a quarterly federal tax payment this quarter? It was a $7,000 account. I expect to owe about $2,000 more in taxes this year. Thank you. -- Maurice Dea 2007-09-17 Taxes 秩名 en.yinlu.net /personal/Taxes/2007091616627.shtml PORTO, Portugal (Reuters) - European Union finance ministers and central bankers agreed on Saturday to step up co-operation among themselves to improve their handling of cross-border financial crises. But a detailed solution to the tricky question o 2007-09-16 Taxes 秩名 en.yinlu.net /personal/Mortgages/2007091516455.shtml "Share buybacks are off the agenda" replied Adam Applegarth, Northern Rock's chief executive, to an analyst's inquiry on Friday. No kidding. The UK's fifth biggest mortgage lender had just announced a profits warning and the previous evening had gone 2007-09-15 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007091516454.shtml The subprime crisis has put lawmakers under pressure to do something not only to help homeowners who could lose their homes but also to nail the guys who created the mess. While there's lots of blame to go around, lawmakers are likely to focus on how 2007-09-15 Mortgages 秩名 en.yinlu.net /personal/Taxes/2007091516198.shtml As annual rites go, sweating over your 1040 is one of the most taxing, no pun intended. So to make the venture a little more palatable -- and maybe even profitable -- we asked Thomas Riley, president of the New York State Society of Certified Public 2007-09-15 Taxes 秩名 en.yinlu.net /personal/Mortgages/2007091515959.shtml CHICAGO (Reuters) - Upscale home builder Hovnanian Enterprises Inc (NYSE: - ) is holding a three-day sales event in southern California that effectively cuts home prices by up to $100,000 through incentives and offers extra appliances and upgrades. 2007-09-15 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007091415541.shtml Untitled Document Dear Debt Adviser, I am the poster child for today's housing bust. I am over my head in debt and mortgage payments. By the age of 29, I had three houses. A lot of the down payments were made by cash advances on credit cards and hom 2007-09-14 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007091415540.shtml Managing risk may be insurers' bread and butter, but the sector usually lands sticky-side down in a financial crisis. Solvency ratios were severely tested after the dotcom bubble burst and exposure to the 9/11 terrorist attacks ended up being far hig 2007-09-14 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007091415539.shtml For years Fair Isaac Corp. was the wonderboy of the U.S. credit industry. Its trademarked algorithm for scoring people on creditworthiness became the standard in retail banking in the U.S. A FICO became as generic a name in credit ratings as Bic in b 2007-09-14 Mortgages 秩名 en.yinlu.net /personal/Taxes/2007091415538.shtml Having trouble selling your real estate in this soft market? An installment sale is an often overlooked sales technique that could make your property more attractive to buyers in this down-trending market and could even save you plenty in taxes. But 2007-09-14 Taxes 秩名 en.yinlu.net /personal/Taxes/2007091415537.shtml Dear Tax Talk : Two years ago, I entered into a preconstruction agreement to buy a condo. I meant to rent it out for a while. As the markets deteriorated, I refused to close on the condo and lost my $40,000 deposit. What are the ways I can deduct th 2007-09-14 Taxes 秩名 en.yinlu.net /personal/Taxes/2007091415536.shtml School's back in session, but kids aren't the only ones with math homework. If you must make estimated tax payments, you've got some figuring to do and a form -- and money -- to turn over to the Internal Revenue Service in just a few days. The good 2007-09-14 Taxes 秩名 en.yinlu.net /personal/Taxes/2007091415261.shtml Whenever something of value changes hands, the Internal Revenue Service is usually going to want its cut. But if you plan ahead and employ tax-smart strategies, you can make sure more of your wealth goes to your nephew Steve than to Uncle Sam. Althou 2007-09-14 Taxes 秩名 en.yinlu.net /personal/Mortgages/2007091415260.shtml Places don't get much richer than Nantucket. The quaint Massachusetts island is an enclave of the super-rich. This is where John and Teresa Heinz Kerry rub shoulders with the likes of Frank and Kathie Lee Gifford, and countless hedge fund tycoons. Th 2007-09-14 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007091415259.shtml The number of adjustable rate mortgages (ARMs) up for reset is set to peak this fall, with an estimated $50 billion worth poised to adjust to higher rates in October. The housing and credit markets are bracing for another blow, but recent trends may 2007-09-14 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007091415250.shtml Imagine you own your dream house in a picturesque part of the U.S. Maybe you have access to a beach or a view of the mountains. You also have great neighbors -- until one day you see nearby houses sold to people from out of state, some of whom plan t 2007-09-14 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007091415249.shtml Hundreds of thousands of homeowners who may struggle to make mortgage payments are likely to get some relief in coming months, including more options to refinance into lower-cost, fixed-rate loans and tax relief if they do face foreclosure. About 240 2007-09-14 Mortgages 秩名 en.yinlu.net /personal/Retirement/2007091415248.shtml You heard about the growing problem of Americans not saving enough for retirement? Check this out. Nearly half of respondents to a recent survey said they lose track of how they spend their pocket cash - on average, more than $2,000 a year. The study 2007-09-14 Retirement 秩名 en.yinlu.net /personal/Banking/2007091415080.shtml All eyes are on the Federal Reserve and whether or not it will cut rates next week. If you're looking for a loan, wondering whether to refinance or just anxious about real estate, here's how to play the Fed's decision in your favor. Investors are exp 2007-09-14 Banking 秩名 en.yinlu.net /personal/Taxes/2007091414878.shtml Dear Tax Talk: I was recently notified that I have won a tractor mower valued at $10,500. I must claim the prize at their location, which is out of state, and, in order to claim the prize, I must pay the applicable tax, which they said was $2,500. I 2007-09-14 Taxes 秩名 en.yinlu.net /personal/Mortgages/2007091313527.shtml NEW YORK (Reuters) - Countrywide Financial Corp (NYSE: - ), the largest U.S. mortgage lender, said on Thursday its mortgage fundings slid 17 percent in August from a year earlier to $34 billion on the housing slowdown and "credit tightening in the m 2007-09-13 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007091311966.shtml NEW YORK (Reuters) - Mortgage applications rose for a second straight week as interest rates sank to their lowest since May, data from an industry trade group showed on Wednesday. Market analysts, however, say data on mortgage applications may be ar 2007-09-13 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007091311965.shtml NEW YORK (Reuters) - Mortgage applications rose for a second straight week as interest rates sank to their lowest since May, data from an industry trade group showed on Wednesday. Market analysts, however, say data on mortgage applications may be ar 2007-09-13 Mortgages 秩名 en.yinlu.net /personal/Taxes/2007091311964.shtml WHITE PLAINS, N.Y. (AP) -- John "Junior" Gotti says he's broke, but plans to make good on the money he owes the government. "Subpoenas and trials for 10 years took a toll on me and my family. Financially I'm broke. What more youse want from me?" Gott 2007-09-13 Taxes 秩名 en.yinlu.net /personal/Banking/2007091311737.shtml Although last week's job numbers were disappointing, a new survey by Manpower indicates the job market will remain steady and cautious. About 27 percent of companies will increase their workforce, while 9 percent plan on cutting their payrolls. Here 2007-09-13 Banking 秩名 en.yinlu.net /personal/Mortgages/2007091211445.shtml WASHINGTON (Reuters) - More Americans had their home loan applications turned down in 2006 than a year earlier, although the majority continued to be approved, according to a report issued on Wednesday by financial sector regulators. "Overall, the d 2007-09-12 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007091211444.shtml NEW YORK (Reuters) - Mortgage applications rose for a second straight week, fueled by demand for home loans as interest rates sank to their lowest since May, an industry group's figures showed Wednesday. The Mortgage Bankers Association said its sea 2007-09-12 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007091211443.shtml NEW YORK (Reuters) - HR Block Inc (NYSE: - ), the largest U.S. tax preparer, said on Tuesday it will fire 575 workers at its Option One Mortgage Corp subprime lending unit, on top of 615 job losses announced on May 15. The cuts were announced as HR 2007-09-12 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007091211442.shtml NEW YORK (Reuters) - Some 57 percent of mortgage broker customers with adjustable-rate loans were unable to refinance into a new loan to avoid higher monthly payments in August, a national survey reported on Tuesday. The poll of 1,744 brokers in the 2007-09-12 Mortgages 秩名 en.yinlu.net /personal/Mortgages/2007091211441.shtml WASHINGTON (Reuters) - Existing home sales will fall further and prices will drop more sharply in 2007 than earlier expected, a leading real estate trade association predicted on Tuesday. The National Association of Realtors trimmed its sales foreca 2007-09-12 Mortgages 秩名 en.yinlu.net /personal/Taxes/2007091211440.shtml I might as well be here to tell you the earth is flat, and in the near future we'll all commute via giant squids instead of cars. Because what I am here to tell is you is just as preposterous. As Roxanne Khamsi reported at NewScientist.com, "Paying t 2007-09-12 Taxes 秩名 en.yinlu.net /personal/Taxes/2007091211439.shtml Dear Tax Talk: I am permanently disabled beginning this tax year (2007), and can't work. I will be receiving income from a private disability insurance policy, as well as Social Security disability benefits. Does the IRS or the state of Georgia requ 2007-09-12 Taxes 秩名 en.yinlu.net /personal/Taxes/200709118806.shtml As more states and cities struggle to find the money to bail out homeowners caught up in the housing downturn, some Americans are wondering why government should be rewarding people for their greed or irresponsibility. Some, like Thomas Roach of Sara 2007-09-11 Taxes 秩名 en.yinlu.net /personal/Banking/200709118689.shtml Economic news out last week pointed to a weakening trend in job growth. With tightening credit standards and a stagnant housing market and worries about a recession on the horizon, you may be thinking about padding up that bank account a little. We'l 2007-09-11 Banking 秩名 en.yinlu.net /personal/Banking/200709118688.shtml Security tags with changing numbers dangle from key chains all over Europe. They're still rare in the U.S. But as banks and regulators push for more online security, those security tokens may hold the key for keeping hackers, phishers and other scamm 2007-09-11 Banking 秩名 en.yinlu.net /personal/Mortgages/200709118650.shtml Dear Dr. Don, We got in to an ARM home equity loan with a 15-year term. The rate is now 8.25 percent and climbing. Help! Can we find a mortgage company that will refinance an equity loan? We need to get out of this one. My credit is excellent, my hu 2007-09-11 Mortgages 秩名 en.yinlu.net /personal/Retirement/200709118649.shtml Goal No. 1 in retirement planning: Build your nest egg. But there's more to preparing for a rewarding retirement than saving money. Before you turn off your alarm clock for good, here are some choices you should start to make: Location. Where will yo 2007-09-11 Retirement 秩名 en.yinlu.net /personal/Mortgages/200709087155.shtml Dear Dr. Don, I took out a second mortgage to avoid private mortgage insurace (PMI). Can I refinance and combine my first and second and still avoid PMI with less than 20 percent equity in the house? -- Justin Time Dear Justin , Homeowners hate payi 2007-09-08 Mortgages 秩名 en.yinlu.net /personal/Retirement/200709087154.shtml Let's get one thing out of the way: your employer probably isn't the next Enron. Bad experiences make a huge impression on investors. A generation of investors who went through the Great Depression convinced themselves that buying stocks was basicall 2007-09-08 Retirement 秩名 en.yinlu.net /personal/Retirement/200709087153.shtml Dear Tax Talk: My husband qualifies for and is getting the blind exemption on our taxes, therefore putting us in a lower bracket. He is almost 10 years older than me and in poor health. I have an annuity through a local bank and a mutual fund accoun 2007-09-08 Retirement 秩名 en.yinlu.net /personal/Banking/200709086893.shtml If, deep in your heart, you don't really believe in the value of reading the fine print in offers you receive, read on. (Don't worry. The print is relatively large.) I recently ran across a rather shocking story about a credit card, authored by Curti 2007-09-08 Banking 秩名 en.yinlu.net /personal/Banking/200709086892.shtml Do you get hot sweats, a cold fever, a nervous stomach, or something worse when you peer into your checking account on Tuesday and find it empty -- then realize that payday isn't until Friday? You're suffering from Paycheck-to-Paycheck Syndrome, a ma 2007-09-08 Banking 秩名 en.yinlu.net /personal/Taxes/200709076634.shtml CONCORD, N.H. (AP) -- Republican presidential candidate Mitt Romney is filling in the blanks in his proposal to eliminate taxes on interest and dividends for families earning less than $200,000 a year. A former business executive and Massachusetts go 2007-09-07 Taxes 秩名 en.yinlu.net /personal/Taxes/200709075763.shtml Those who oppose hiking taxes on private equity partnerships and hedge fund managers have been trying to make the case that any increase would end up hurting policemen, firemen, teachers and anyone else with a pension, since pensions are major invest 2007-09-07 Taxes 秩名 en.yinlu.net /personal/Taxes/200709075762.shtml Its generally better to think about your tax situation during the year when you have some time to make adjustments, rather than scrambling at year end. One of the biggest issues that a large number of taxpayers continue to face is the status of the 2007-09-07 Taxes 秩名 en.yinlu.net /personal/Taxes/200709075761.shtml NEW YORK (AP) -- Americans are concerned about the widespread use of Social Security numbers for identification purposes that potentially exposes them to identity theft, according to a survey released Thursday. The poll by Consumer Reports also found 2007-09-07 Taxes 秩名 en.yinlu.net /personal/Taxes/200709075760.shtml HERNDON, Va. (AP) -- Technology services provider Electronic Data Systems Corp. said Thursday it received a contract worth up to $33.2 million to automate tax collection in Kentucky. Under the terms of the contract, EDS will develop a system for Kent 2007-09-07 Taxes 秩名 en.yinlu.net /personal/Banking/200709075455.shtml WASHINGTON (MarketWatch) -- Question: I am in a bit of a bad situation here. We bought our property just over two years ago and now the electric company is building an eyesore across the street from us. I believe it will have a huge impact on our hou 2007-09-07 Banking 秩名 en.yinlu.net /personal/Mortgages/200709065169.shtml The delinquency rate for mortgage borrowers continued to climb, to 5.12 percent of all outstanding mortgages, during the three months ended June 30. That's up from 4.84 percent during the previous three months and 4.39 percent a year ago. More Americ 2007-09-06 Mortgages 秩名 en.yinlu.net /personal/Mortgages/200709065168.shtml FRANKFURT (Reuters) - European Central Bank President Jean-Claude Trichet said on Thursday the ECB would monitor price risks and financial markets very closely, toning down his anti-inflation rhetoric after it left its key interest rate at 4.0 perce 2007-09-06 Mortgages 秩名 en.yinlu.net /personal/Mortgages/200709065167.shtml Mortgage rates moved both up and down this week, a strange time in credit markets. The benchmark 30-year fixed-rate mortgage rose 7 basis points, to 6.5 percent, according to the Bankrate.com national survey of large lenders. A basis point is one-hun 2007-09-06 Mortgages 秩名 en.yinlu.net /personal/Mortgages/200709065166.shtml Mortgage companies say that the last thing they want to do is foreclose, because seizing a delinquent borrower's house costs money. It follows, then, that the key to keeping the house is to make it less expensive for the lender to work with you than 2007-09-06 Mortgages 秩名 en.yinlu.net /personal/Taxes/200709065165.shtml The critics of legislation that would raise taxes on the income of private-equity and hedge-fund manager are coming out in full force, contending it would hurt returns and have negative effects on other kinds of limited partnerships. In addition, the 2007-09-06 Taxes 秩名 en.yinlu.net /personal/Taxes/200709065164.shtml Dear Tax Talk: My primary home is in Oklahoma and my wife and I have lived there for 16 years. I am having to change jobs and am considering buying a fifth-wheel travel trailer to live in Texas, where the new job is. I will live in the travel traile 2007-09-06 Taxes 秩名 en.yinlu.net /personal/Mortgages/200709064432.shtml WASHINGTON (Reuters) - The chairman of the Senate Banking Committee unveiled legislation on Wednesday that would prohibit mortgage brokers and lenders from steering borrowers to high-cost loans. The reform measure is meant to curb some of the excess 2007-09-06 Mortgages 秩名 en.yinlu.net /personal/Mortgages/200709064431.shtml Mortgage application volume increased 1.3 percent in the past week, according to a report Wednesday. The Market Composite Index, which measures volume, rose to 622.9 for the week ended August 31, 2007, from 615.2, said the Mortgage Bankers Associatio 2007-09-06 Mortgages 秩名 en.yinlu.net /personal/Mortgages/200709064430.shtml Dear Dr. Don, I've heard about subprime loans. I am buying a new house and want to protect myself from all the bad things I've heard about them. How do I do this? -- M.K. OK Dear M.K., Subprime references the borrower's credit rating, so the easiest 2007-09-06 Mortgages 秩名 en.yinlu.net /personal/Taxes/200709064429.shtml Dear Tax Talk: We have a large home we have had for 24 years. I am 61 years old and my husband is 62. We want to turn three areas into nightly rentals. Will this make us have to pay capital gains if and when we sell? We really need an answer before 2007-09-06 Taxes 秩名 en.yinlu.net /personal/Banking/200709064124.shtml At least US banks have outperformed motorcycle makers and housebuilders. Still, the sector languishes near the bottom of the SP 500 for the year to date, down 14 per cent. European banks are off about half that, with only property stocks underperform 2007-09-06 Banking 秩名 en.yinlu.net /personal/Banking/200709053479.shtml It's often occurred to me that people who have had children together can't really split up completely -- at least, not until the children are grown, and perhaps not even then. They'll always be in each others' lives in some way. That's not unlike wha 2007-09-05 Banking 秩名 en.yinlu.net /personal/Mortgages/200709053424.shtml CHICAGO (MarketWatch) -- African-American and Hispanic borrowers were more likely to acquire high-cost mortgages than their white peers in 2006, according to a study released Wednesday by community activist group Acorn. And as their adjustable-rate m 2007-09-05 Mortgages 秩名 en.yinlu.net /personal/Taxes/200709053423.shtml Americans hate paying taxes on their hard-earned income. This sentiment is one of the reasons that tax-deferred retirement savings plans, such as 401(k) plans, have become so popular. There is no question a 401(k) is a great way to save for retiremen 2007-09-05 Taxes 秩名 en.yinlu.net /personal/Mortgages/200709042835.shtml President Bush said Friday that the government has a role to play in helping homeowners facing foreclosure -- but only a limited one. "It's not the government's job to bail out speculators, or those who made the decision to buy a home they knew they 2007-09-04 Mortgages 秩名 en.yinlu.net /personal/Banking/200709042814.shtml Don't mess with the chairman. That's the lesson from power struggles at two European banks this year. The octogenarian Cesare Geronzi came out on top at Capitalia, eventually accepting a bid from Unicredit. Now the civil war at Portugal's biggest ban 2007-09-04 Banking 秩名 en.yinlu.net /personal/Banking/200709042813.shtml It looks like a punt on the power of persuasion. On Monday, HSBC announced that it had finally signed an agreement to buy a 51 per cent stake in Korea Exchange Bank for $6.3bn. The trouble is, there is no green light from Korea's financial regulator. 2007-09-04 Banking 秩名 en.yinlu.net /personal/Taxes/200709042803.shtml Dear Tax Talk: Mother put her home in the names of her sons 10 years ago to prevent them having to pay inheritance tax. However, recently the home had to be sold in order to pay for mother's care in a nursing home. Are the sons responsible for capit 2007-09-04 Taxes 秩名 en.yinlu.net /personal/Retirement/200709042702.shtml By your mid-40s, you've worked for at least two decades and, with any luck, built a nice nest egg. Now, don't blow it. "Around that time you should be shifting from accumulating assets to preserving assets," says Sue Stevens, director of financial pl 2007-09-04 Retirement 秩名 en.yinlu.net /personal/Retirement/200709042701.shtml People who have hit their middle years may be used to taking flak from their friends and children for not behaving or dressing appropriately for their age. (Picture a teenager rolling her eyes when she sees a track from one of her favorite bands on D 2007-09-04 Retirement 秩名 en.yinlu.net /personal/Mortgages/200709041411.shtml NEW YORK (MarketWatch) -- Headline: Mortgage money has dried up. Headline: If you're subprime, you're stuck. Headline: Fed bails out big lenders by lowering discount rate. Headline after headline. But what does it all mean to potential borrowers in t 2007-09-04 Mortgages 秩名 en.yinlu.net /personal/Mortgages/200709041410.shtml PALM BEACH GARDENS, Fla. (MarketWatch) -- You still may qualify for a mortgage, regardless of a shaky credit market. But you need to know the ropes because many lenders have tightened standards. So what should you do if you're buying a home today or 2007-09-04 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070903986.shtml NEW YORK (Reuters) - A deepening U.S. housing slump has caused an alarming surge in job losses at U.S. financial services companies, and the end is nowhere in sight, consulting firm Challenger, Gray Christmas Inc. said on Tuesday. The industry has a 2007-09-03 Mortgages 秩名 en.yinlu.net /personal/Banking/20070903967.shtml Writing a bad check is a simple mistake that can snowball into a nightmare of bounced checks, bank fees, and angry merchants wanting to collect what you owe them. If you've ever gone through that experience, overdraft protection has an undeniable app 2007-09-03 Banking 秩名 en.yinlu.net /personal/Taxes/20070903922.shtml WASHINGTON (AP) -- Federal offices owe some $45 million in delinquent withholding taxes and the Internal Revenue Service needs to do more to ensure that the government lives up to its taxpaying obligations, according a report issued Friday. The Treas 2007-09-03 Taxes 秩名 en.yinlu.net /personal/Taxes/20070903921.shtml BEIJING (AP) -- China replaced its finance minister, the head of the secret police and three other Cabinet members, the government said Thursday, in a reshuffling of senior posts ahead of a major Communist Party meeting that will set policies for the 2007-09-03 Taxes 秩名 en.yinlu.net /personal/Taxes/20070903920.shtml KANSAS CITY, Mo. (AP) -- The movement to get investors to divest their money from terror-sponsoring nations got another push Wednesday with a new plan aimed at making college savings investments "terror-free." The Missouri state treasurer's office an 2007-09-03 Taxes 秩名 en.yinlu.net /personal/Taxes/20070903919.shtml KANSAS CITY, Mo. (AP) -- The movement in Missouri to get investors to divest their money from terror-sponsoring nations got another push Wednesday with a new plan aimed at making college savings investments "terror-free." The state treasurer's office 2007-09-03 Taxes 秩名 en.yinlu.net /personal/Taxes/20070903918.shtml O'FALLON, Mo. (AP) -- Gov. Matt Blunt issued a directive Tuesday that will tighten oversight of state-financed construction projects to ensure that contractors don't employ illegal immigrants. The directive came one day after the Republican asked sta 2007-09-03 Taxes 秩名 en.yinlu.net /personal/Taxes/20070903917.shtml Dear Tax Talk: I have a rental property in Brooklyn, N.Y. I'm a U.S. citizen residing in Paris and am in the process of purchasing an apartment in Paris. If I take out a U.S. mortgage on the New York rental property in order to finance the new apart 2007-09-03 Taxes 秩名 en.yinlu.net /personal/Banking/20070903900.shtml The Federal Reserve Bank of Chicago announced Monday that it has named Charles Evans as its new president and CEO, effective Sept. 1. Evans currently serves as the bank's senior vice president and director of research. He will replace Michael Moskow, 2007-09-03 Banking 秩名 en.yinlu.net /personal/Mortgages/20070902722.shtml JACKSON HOLE, Wyoming (Reuters) - In rare public criticism of Alan Greenspan, former U.S. Undersecretary for International Affairs John Taylor said on Saturday that ultra-low Federal Reserve interest rates had stoked the U.S. housing boom and subseq 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902721.shtml NEW YORK (Reuters) - Ameriquest Mortgage Co, the largest U.S. subprime lender as recently as 2005, is closing, the latest home loan provider to shut down amid the nation's housing market slump. Citigroup Inc (NYSE: - ), the largest U.S. bank, said o 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902720.shtml NEW YORK (Reuters) - Accredited Home Lenders Holding Co (NasdaqGS: - ) shares rose 43 percent on Friday after Lone Star Funds said it was prepared to buy the subprime mortgage lender at a lower price than it previously agreed to pay. Accredited reje 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902719.shtml NEW YORK (Reuters) - Accredited Home Lenders Holding Co (NasdaqGS: - ) shares rose 43 percent on Friday after Lone Star Funds said it was prepared to buy the subprime mortgage lender at a lower price than it previously agreed to pay. Accredited reje 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902718.shtml Dear Dr. Don, I am paying for a mobile home via a private party. There is no prepayment penalty involved. If I wanted to pay it off early, is it like a car in the respect that the payoff should be less than the current balance? He is telling me it w 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902717.shtml President Bush will make a statement Friday morning in the Rose Garden about homeownership financing, a senior administration official said Thursday. The statement is scheduled for 11 a.m. "The president will discuss a number of initiatives and refor 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902716.shtml (Reuters) - Home Depot Inc (NYSE: - ) said it completed the sale of its wholesale supply business, HD Supply, to buyout firms on the same terms announced earlier this week. The home improvement retailer sold HD Supply for $8.5 billion and would pay 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902715.shtml NEW YORK (Reuters) - HR Block Inc (NYSE: - ) Chief Executive Mark Ernst on Thursday said the U.S. mortgage lending market may be facing its greatest crunch since the 1930s, when the country was in the Great Depression. Earlier Thursday, HR Block sai 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902714.shtml The benchmark mortgage rate has fallen in five of the last six weeks, and home prices are falling, too. The benchmark 30-year fixed-rate mortgage fell 15 basis points to 6.43 percent, according to the Bankrate.com national survey of large lenders. A 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902713.shtml America's housing market has gone from robust to just plain bust in the past 18 months. Real estate agents, home builders, mortgage lenders and anyone whose income is derived from home selling has been using words like transitioning and stabilizing t 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902712.shtml Money market funds are among the safest investments -- but not all are equally so. Many have been moving to increase their safety by shifting to shorter-duration instruments. Money market funds are required to put 95% of their assets in top-rated sec 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902711.shtml NEW YORK (Reuters) - Bankrupt home loan provider American Home Mortgage Investment Corp (Other OTC: - ) said on Wednesday a federal bankruptcy judge has authorized the auction by two affiliates of 5,700 mortgage loans with an unpaid principal balanc 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902710.shtml With the credit markets in turmoil and housing prices tumbling, people from Wall Street to Main Street are wondering what can and should be done to minimize the damage to the broader economy. Should the Federal Reserve do more to bring confidence bac 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902709.shtml NEW YORK (Reuters) - U.S. mortgage applications fell for a second consecutive week, reflecting a drop in demand for home purchase and refinancing loans even as interest rates sank, an industry group said on Wednesday. The Mortgage Bankers Associatio 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902708.shtml NEW YORK (Reuters) - Lone Star Funds, a private equity firm seeking to abandon its $400 million purchase of Accredited Home Lenders Holding Co (NasdaqGS: - ), said on Tuesday it extended its tender offer to buy the struggling subprime mortgage lende 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902707.shtml NEW YORK (Reuters) - IndyMac Bancorp Inc (NYSE: - ), the ninth-largest U.S. mortgage lender, said on Tuesday it expects to hire as many as 850 former employees of bankrupt rival American Home Mortgage Investment Corp (Other OTC: - ) as it prepares f 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902706.shtml NEW YORK (Reuters) - Consumer sentiment took its sharpest plunge in nearly two years during August while home prices swooned in the second quarter, according to reports that show a heavy toll from the housing crisis. As Wall Street was gripped by a 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902705.shtml ATLANTA (Reuters) - Home Depot Inc (NYSE: - ) said on Tuesday that it would sell its wholesale supply business to buyout firms for $8.5 billion -- nearly 18 percent less than previously agreed upon -- as the U.S. housing slump and recent credit crun 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902704.shtml NEW YORK (Reuters) - CIT Group Inc (NYSE: - ), the consumer and commercial finance company, said on Tuesday it has closed its mortgage lending operations, resulting in the loss of 550 jobs across 25 offices. The company is the latest to abandon mort 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902703.shtml NEW YORK (Reuters) - More than half of the 26 home builders rated by Standard Poor's are vulnerable to downgrades, and the outlook could worsen if current credit market turmoil is long-lasting, the rating agency said. "Our rating bias for the U.S. h 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902702.shtml WASHINGTON (Reuters) - Sales of pre-owned U.S homes fell slightly in July but the inventory of unsold single-family properties soared to the highest in over 15 years as troubles in the subprime mortgage market continued to wreak havoc on the housing 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902701.shtml WASHINGTON (Reuters) - The pace of sales of pre-owned homes fell slightly in July but the inventory of unsold properties soared to the highest level in over 15 years as troubles in the subprime mortgage market continued to wreak havoc on the housing 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902700.shtml NEW YORK (Reuters) - Investor confidence in the economy deteriorated in August to its lowest level in a year, as the growing housing turmoil compounded worries over high energy prices, a survey showed on Monday. The UBS/Gallup Index of Investor Opti 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902699.shtml NEW YORK (Reuters) - Home Depot Inc (NYSE: - ) agreed to cut the price in its supply division sale to buyout firms by $1.8 billion, sources said on Sunday, as a housing market drop and a credit crunch forced all sides to renegotiate. As part of the 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902698.shtml Dear Dr. Don, A company by the name of CMG out of California is offing me a plan called a Homeowners Mortgage Acceleration Plan whereby I deposit all my income into this spending plan and my mortgage will be paid off in half the time. Your views wou 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902697.shtml NEW YORK (Reuters) - Home Depot Inc (NYSE: - ) agreed to cut the price in its supply division sale to buyout firms by $1.8 billion, sources said on Sunday, as a housing market drop and a credit crunch forced all sides to renegotiate. As part of the 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902696.shtml WASHINGTON (Reuters) - Sales of new single-family U.S. homes unexpectedly rose in July and new orders for durable goods posted strong gains that underlined the economy's strength just before a credit crisis socked financial markets. New home sales r 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902695.shtml Jennifer Falke and her family had been in their Columbus, Ohio, home for nearly 12 years when they hit a rough patch in 2006. Falke was out of work and fell behind on the mortgage. Falke said a flood of mailings and flyers then arrived at her door pr 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902694.shtml NEW YORK (Reuters) - Wachovia Bank, a unit of Wachovia Corp (NYSE: - ), has sued Thornburg Mortgage Inc (NYSE: - ) for breach of contract over the mortgage lender's failure to pay it $5.1 million. Wachovia said in a complaint filed at the U.S. Distr 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902693.shtml Rising interest rates on jumbo home loans are hitting wealthier borrowers and could take down the healthiest part of the sickly housing market, analysts said. The average rate on a 30-year fixed jumbo loan stands at 7.4%, well above the 6.47% at the 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902692.shtml NEW YORK (Reuters) - Countrywide Financial Corp Chief Executive Angelo Mozilo said on Thursday the U.S. housing downturn is likely to lead the country into recession, but that the largest U.S. mortgage lender will survive. In an interview, Mozilo al 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902691.shtml With foreclosures on the rise in the U.S., an increasing number of homeowners are presented with one of the most grave financial predicaments they can face. Foreclosures in July 2007 were up 93% from July 2006, according to RealtyTrac , fueled by the 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902690.shtml NEW YORK (Reuters) - Shares of Wachovia Corp (NYSE: - ), which have fallen since its $24.2 billion acquisition of Golden West Financial Corp last year, are trading at a discount to its peers and may be a good opportunity for investors, according to 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902689.shtml (Reuters) - Impac Mortgage Holdings Inc (NYSE: - ), one of the largest "Alt-A" lenders, said it has cut 350 jobs to reduce its operating expenses. Impac Mortgage said the volatility in the secondary and securitization markets has significantly limit 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902688.shtml NEW YORK (Reuters) - Fallout from the U.S. mortgage and credit crisis spread on Wednesday as Accredited Home Lenders Holding Co, HSBC Holdings Plc and Lehman Brothers Holdings Inc announced job cuts and concern mounted about the longer-term impact o 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902687.shtml (Corrects number of job cuts among three lenders in first paragraph to 3,400 from 3,700) NEW YORK (Reuters) - Fallout from the U.S. mortgage and credit crisis spread on Wednesday as Accredited Home Lenders Holding Co, HSBC Holdings Plc and Lehman Br 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902686.shtml WASHINGTON (Reuters) - The Federal Deposit Insurance Corporation, which insures bank deposits, said on Wednesday it is keeping a close eye on the unpaid real estate loans that are piling up at U.S. banks and thrifts. "We remain vigilant," FDIC Chair 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902685.shtml NEW YORK (Reuters) - Accredited Home Lenders Holding Co (NasdaqGS: - ) said on Wednesday it will shut most of its mortgage business to help survive turmoil in subprime lending, and eliminate 1,600 jobs, or 62 percent of its work force. The mortgage 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902684.shtml In February, Michael Strauss, founder and chief executive officer of American Home Mortgage (AHMI.Q), went to bed, safe in the knowledge that his 4.5 million shares in the company were worth $160 million. Six months later, pretty much all of that wea 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902683.shtml Everyone says there's a credit crisis, with defaults on risky mortgages causing banks and mortgage brokers to tighten up their lending. So why is Mark Tryniski, chief executive of Community Bank System (NYSE: - ), a $625-million bank in upstate New Y 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902682.shtml NEW YORK (Reuters) - Applications for residential mortgages fell last week for the first time in three weeks, weighed by a sharp drop in demand for home-purchase and refinancing loans, an industry group said on Wednesday. The Mortgage Bankers Associ 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902681.shtml Do the recent housing industry horror stories keep you up nights? Feeling squeezed by an adjustable-rate mortgage reset that could turn your happy home into a house of debt? Wondering what would happen if your mortgage company went bankrupt? Don't pa 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Mortgages/20070902680.shtml NEW YORK (Reuters) - First Magnus Financial Corp, one of the largest independent U.S. mortgage lenders, filed for Chapter 11 bankruptcy protection on Tuesday, the latest home loan provider to collapse as the housing market slumps and credit crisis w 2007-09-02 Mortgages 秩名 en.yinlu.net /personal/Retirement/20070902679.shtml Dear Tax Talk: I have always tried to use the trustee-to-trustee method when rolling over IRA CD proceeds from one bank to another. However, the people at the branch of both the receiving bank and sending bank are no longer quite comfortable with th 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902678.shtml Once upon a time, I worked for a large investment firm that provided and serviced 401(k) plans. The building I worked in included a call center that supported participants in hundreds of plans. The firm required everyone who worked in the building to 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902677.shtml Equity-indexed annuities let investors have it both ways: They track the stock market's gains, but with less downside risk than an index fund or an exchange-traded fund. That's an appealing concept, particularly when there's so much concern about the 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902676.shtml BOSTON (MarketWatch) -- It's not a good idea to take money out of your IRA before you turn 591/2. It is, after all, money earmarked for retirement. But besides the consequence of spending money that might one day pay for cruises and Medicare Part B p 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902675.shtml I was brought up in Valley Station, Ky. On a recent trip back home, I had lunch with my friend Joanie. She talked about how the lives of her father, Bob, and her son, Jared, were indicative of the changing world of work in the U.S. (BusinessWeek.com, 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902674.shtml Dear Dr. Don, My fiancee and I are 22, and recent college grads. I currently make $50,000 net, while she makes $35,000 net. We've made the decision to save all of her income and live solely on mine. What is the best way for me to maximize this inves 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902673.shtml NEW YORK (MarketWatch) -- In today's increasingly complex world, a will may no longer be enough to ensure that your legacy ends up in the right hands. Wills originated in simpler times, which means they don't contain adequate provisions for things li 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902672.shtml A little known alternative to mutual funds -- the collective investment trust -- has been making slow but steady progress in the retirement market. CITs, also known as commingled funds or collective funds, were once limited to giant pensions and endo 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902671.shtml Generally speaking, I'm a big fan of rollover IRAs. The right rollover IRA offers nearly unlimited investment options and low fees, which beats trying to choose among the choices in an old employer's 401(k), hands down. Most people will change jobs 1 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902670.shtml Proctor Investment Managers has linked up with insurance companies to sell ETFs into 401(k) plans, packaged in a commingled fund. A commingled fund, or collective investment trust, is like a mutual fund, but it's not regulated by the SEC. Rather, it 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902669.shtml BOSTON (MarketWatch) - The fact that target-date and lifestyle mutual funds have become all the rage among retirement savers is undeniable. Whether or not that's entirely good news is debatable. Assets in these all-in-one, set-it-and-forget-it funds 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902668.shtml Big stock-market drops can be a boon for the young since they get to buy low and then let their investments grow for decades. But when you're about to retire, steep drops like the kind we've seen in the wake of the subprime debacle seem less like buy 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902667.shtml Dear Dr. Don, Can you have two Roth IRAs? I currently have both a Roth and a traditional IRA. I only have $85 in the traditional. Can I convert it to a Roth? I don't really intend to contribute any more to it. I don't want to roll this over into my 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902666.shtml NEW YORK (MarketWatch) -- Talking to aging parents about their financial circumstances can be an uncomfortable role reversal. But familiarizing yourself with your parents' affairs will bring you and them peace of mind in the event of death or serious 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902665.shtml The land Down Under is an up-and-comer. "This is the future nexus of growth. People who come in now will be early adopters," said William Buechler, president of Barclay Partners Asset Management in La Jolla, Calif. "I honestly believe it's similar to 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902664.shtml Dear Debt Adviser, If the economy crashes, I know my 401(k) will disappear, but my debt won't. So, I was thinking of raiding my 401(k) to pay off my credit card debt. What do you think? -- Stephen Dear Stephen, This is curious thinking. Do you think 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902663.shtml We all fantasize about retiring rich. We may spend decades working toward it -- saving, investing, and planning for a comfortable future. With a good plan, sustained effort, and a little luck, you'll arrive at retirement with a nice big nest egg. But 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902662.shtml Recent studies indicate that Americans need to inject their retirement plans with steroids. The studies offer a glimpse of our ability to kick back and enjoy our sunset years -- or sweat them out, as the case may be. Though some studies contain nugg 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902661.shtml CLS Investment Firm is teaming up with a retirement plan administrator, custodian and a record-keeping firm to offer ETFs in 401(k)s. Thus far, only a few firms have attempted to offer ETFs in retirement plans. BenefitStreet started offering 401(k)s 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902660.shtml SAN FRANCISCO (MarketWatch) -- Many American workers appear to be struggling to find dollars to stash away for retirement, but a report released Tuesday finds that those who consistently contribute to a 401(k) can see their nest egg grow substantiall 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902659.shtml How would you feel about doubling or tripling your 401(k) contributions? For some people, that may be the only solution if they want to maintain their current lifestyle in retirement. The Center for Retirement Research (CRR) estimates that 36 percent 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902658.shtml As F. Delmer Gorgen was preparing to leave the hospital following a second bout of pneumonia in three months, he was dreading the return home. I was so weak I couldn't do a thing. No housework, no cooking, says the 93-year-old Gorgen. I was thinking 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902657.shtml Dear Dr. Don, I am 43 years old and starting to think about retirement planning. My wife and I make about $50,000 combined. We are able to live rent free at the moment, and we have two rental homes, both rented, with combined mortgages of about $140 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902656.shtml Dear Dr. Don, My 78-year-old mother inherited $200,000, but she does not want the money in her name because it will affect her Medicare and her Social Security. What do I invest the money in and if it is put in my name, can I put it in different CD 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902655.shtml The first baby boomers are making plans for retirement, with their 401(k) plans stuffed with savings. In response to the pending onslaught of soon-to-be retirees, the insurance industry has metamorphosed into "retirement planning." However, it's prom 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902654.shtml Yesterday, I wrote about "tax-smart asset allocation," the process of sorting one's investments by the amount of tax liability they generate and trying to hold the worst offenders in your tax-advantaged retirement accounts. After that article was pub 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902653.shtml Nothing beats the thrill of picking a stock that skyrockets in value. Inevitably, though, some of your investments won't meet your expectations. How you deal with losing investments is just as important to your overall investing success for your reti 2007-09-02 Retirement 秩名 en.yinlu.net /personal/Retirement/20070902652.shtml