Because mortgage rates are falling as fast as the price of a gallon of gasoline many homeowners are refinancing their mortgage and getting what amounts to a huge pay raise saving hundreds of dollars a month in their mortgage and gas expenses. But because of tightened lending criteria some homeowners are discovering they cannot take advantage of the lower rates because they don’t have a 700 plus credit score.

There is a great alternative for those of you who presently have a FHA...

A lot has changed in real estate and mortgage finance in the past two years. But don’t just take my word for it; pick up the Saturday paper in your hometown and notice the significantly fewer display ads for Real Estate and Mortgage Brokers . And if that doesn’t have you convinced then count the number of For Sale signs that seem about as ubiquitous in some areas as the foreclosure notices published in the paper.

During this same time more than 300 major US mortgage lenders have...

Interview with Sarah, poor, misunderstood Sarah

Sarah:
Ziegler: What's wrong sweetface
Sarah: sigh
Ziegler: Wanna talk precious?
Sarah: Yea, I s'pose so
Ziegler: So what happened sugar?
Sarah: Oh, gosh darnit, the media again
Ziegler: What are they doing now sugarbugger?
Sarah: They just so gosh darned unfair, you know?
Ziegler: How so buttercup?
Sarah: Well, I was put under so much scrutiny by the gotcha media,...

It's been a trying time of sorts since my last blog post.

I've nearly run out of money again. I need work but despite my very best efforts to get some window cleaning work...I have not been able to secure another job. One business owner offered to give me a pizza in exchange for cleaning his windows...but I need money. Though I might take him up on his offer if I start to get hungry .

The temporary labor places have no work either. I checked on one such place a...

We are relocating to hilton head from long island ny and would love some info. Is it family friendly? We have a 2 year old and are concerned that it may be more of a resort or retirement area than for families. Also,where do most people work who live in hilton head. My husband works in computer tech and we are concerned about the job situation. We love it there and even found a community to live in The preserve at indigo run. Has anyone heard of it? any comments?