http://hriggs.vox.com/library/posts/page/1/ en Vox Wed, 16 Jul 2008 06:21:51 -0700 Copyright 2008 http://blogs.law.harvard.edu/tech/rss http://hriggs.vox.com/library/post/annual-percentage-rate-what-is-the-real-cost-of-financing.html?_c=feed-rss nobody@vox.com(Herbert Riggs) http://hriggs.vox.com/library/post/annual-percentage-rate-what-is-the-real-cost-of-financing.html?_c=feed-rss http://hriggs.vox.com/library/post/annual-percentage-rate-what-is-the-real-cost-of-financing.html?_c=feed-rss Wed, 16 Jul 2008 06:21:51 -0700 Annual Percentage Rate (APR) is a tool that consumers can use as a starting point to compare loan programs. However, it's important to keep in mind that APR is not a perfect system, and not all lenders calculate APR in the same way. While the Fed... <p style="clear:both;"> <a href="http://hriggs.vox.com/library/post/annual-percentage-rate-what-is-the-real-cost-of-financing.html?_c=feed-rss#comments">Read and post comments</a> | <a href="http://www.vox.com/share/6a00f48d045275000100fa968897280003?_c=feed-rss">Send to a friend</a> </p> http://hriggs.vox.com/library/post/5-big-credit-mistakes.html?_c=feed-rss nobody@vox.com(Herbert Riggs) http://hriggs.vox.com/library/post/5-big-credit-mistakes.html?_c=feed-rss http://hriggs.vox.com/library/post/5-big-credit-mistakes.html?_c=feed-rss Tue, 15 Jul 2008 09:07:37 -0700 It's surprising how many consumers make the same credit scoring mistakes over and over again. In an effort to educate consumers on credit and credit scoring, I've compiled 5 common credit scoring mistakes into a list that defines each mistake and... <p style="clear:both;"> <a href="http://hriggs.vox.com/library/post/5-big-credit-mistakes.html?_c=feed-rss#comments">Read and post comments</a> | <a href="http://www.vox.com/share/6a00f48d04527500010100a7e8b824000e?_c=feed-rss">Send to a friend</a> </p> http://hriggs.vox.com/library/post/the-advantages-of-fha-loans.html?_c=feed-rss nobody@vox.com(Herbert Riggs) http://hriggs.vox.com/library/post/the-advantages-of-fha-loans.html?_c=feed-rss http://hriggs.vox.com/library/post/the-advantages-of-fha-loans.html?_c=feed-rss Fri, 11 Jul 2008 11:28:37 -0700 In many regions of the U.S., FHA loans have not been utilized for years, so a lot of real estate agents and mortgage originators aren't familiar with this great resource. The following are a just a few of the recent changes that have made FHA loa... <p style="clear:both;"> <a href="http://hriggs.vox.com/library/post/the-advantages-of-fha-loans.html?_c=feed-rss#comments">Read and post comments</a> | <a href="http://www.vox.com/share/6a00f48d045275000100fad699a2300004?_c=feed-rss">Send to a friend</a> </p> http://hriggs.vox.com/library/post/fed-pauses-you-shouldnt.html?_c=feed-rss nobody@vox.com(Herbert Riggs) http://hriggs.vox.com/library/post/fed-pauses-you-shouldnt.html?_c=feed-rss http://hriggs.vox.com/library/post/fed-pauses-you-shouldnt.html?_c=feed-rss Thu, 26 Jun 2008 12:01:26 -0700 The Federal Reserve, taking a break from its aggressive rate-cutting policy, chose not to alter key interest rates Wednesday, leaving the Fed Funds rate at 2.00% and everyone wondering where interest rates are headed next. Since last September, ... <p style="clear:both;"> <a href="http://hriggs.vox.com/library/post/fed-pauses-you-shouldnt.html?_c=feed-rss#comments">Read and post comments</a> | <a href="http://www.vox.com/share/6a00f48d045275000100fae8c6967a000b?_c=feed-rss">Send to a friend</a> </p> http://hriggs.vox.com/library/post/the-home-appraisal-process.html?_c=feed-rss nobody@vox.com(Herbert Riggs) http://hriggs.vox.com/library/post/the-home-appraisal-process.html?_c=feed-rss http://hriggs.vox.com/library/post/the-home-appraisal-process.html?_c=feed-rss Fri, 09 May 2008 11:19:33 -0700 Consumers are often baffled by the home appraisal process. They may feel their home is worth a certain dollar amount, and therefore, the appraised value doesn't make sense to them. It is important to know that appraisal guidelines are dictated by ... <p style="clear:both;"> <a href="http://hriggs.vox.com/library/post/the-home-appraisal-process.html?_c=feed-rss#comments">Read and post comments</a> | <a href="http://www.vox.com/share/6a00f48d045275000100e398f801a80004?_c=feed-rss">Send to a friend</a> </p> http://hriggs.vox.com/library/post/credit-scores-why-should-i-care.html?_c=feed-rss nobody@vox.com(Herbert Riggs) http://hriggs.vox.com/library/post/credit-scores-why-should-i-care.html?_c=feed-rss http://hriggs.vox.com/library/post/credit-scores-why-should-i-care.html?_c=feed-rss Thu, 08 May 2008 14:45:13 -0700 It's not just banks and lenders that rely on credit scores to help make important credit decisions. Landlords, employers, insurance companies, and even cell phone and other utility companies all reportedly utilize credit scores to help determine ... <p style="clear:both;"> <a href="http://hriggs.vox.com/library/post/credit-scores-why-should-i-care.html?_c=feed-rss#comments">Read and post comments</a> | <a href="http://www.vox.com/share/6a00f48d045275000100f48d14dffb0001?_c=feed-rss">Send to a friend</a> </p> http://hriggs.vox.com/library/post/the-art-of-home-purchase-negotiation.html?_c=feed-rss nobody@vox.com(Herbert Riggs) http://hriggs.vox.com/library/post/the-art-of-home-purchase-negotiation.html?_c=feed-rss http://hriggs.vox.com/library/post/the-art-of-home-purchase-negotiation.html?_c=feed-rss Thu, 01 May 2008 04:21:59 -0700 There is much give and take involved in negotiating a property purchase. That's why it's important to have a checklist of what you want to get out of the deal as a buyer. Bear in mind, the home must be appraised and the lender will be looking at ... <p style="clear:both;"> <a href="http://hriggs.vox.com/library/post/the-art-of-home-purchase-negotiation.html?_c=feed-rss#comments">Read and post comments</a> | <a href="http://www.vox.com/share/6a00f48d045275000100f48cf3c5b20003?_c=feed-rss">Send to a friend</a> </p> http://hriggs.vox.com/library/post/fed-cuts-again-what-does-it-mean-to-you.html?_c=feed-rss nobody@vox.com(Herbert Riggs) http://hriggs.vox.com/library/post/fed-cuts-again-what-does-it-mean-to-you.html?_c=feed-rss http://hriggs.vox.com/library/post/fed-cuts-again-what-does-it-mean-to-you.html?_c=feed-rss Wed, 30 Apr 2008 12:13:10 -0700 The Federal Reserve cut interest rates today for the seventh straight time since September of last year. Many experts believe that the Fed is done cutting interest rates and will begin a new watch-and-wait policy. This new policy is due – in part... <p style="clear:both;"> <a href="http://hriggs.vox.com/library/post/fed-cuts-again-what-does-it-mean-to-you.html?_c=feed-rss#comments">Read and post comments</a> | <a href="http://www.vox.com/share/6a00f48d045275000100f48cf38a080002?_c=feed-rss">Send to a friend</a> </p> http://hriggs.vox.com/library/post/this-week-is-full-with-potentially-market-moving-data.html?_c=feed-rss nobody@vox.com(Herbert Riggs) http://hriggs.vox.com/library/post/this-week-is-full-with-potentially-market-moving-data.html?_c=feed-rss http://hriggs.vox.com/library/post/this-week-is-full-with-potentially-market-moving-data.html?_c=feed-rss Tue, 29 Apr 2008 07:04:11 -0700 First on tap tomorrow (Tuesday) is the Consumer Confidence Index (CCI) for April - this gets at the touchy-feely stuff like how we feel about our financial situation and the overall economy. If sentiment is strong or rising, it is believed consume... <p style="clear:both;"> <a href="http://hriggs.vox.com/library/post/this-week-is-full-with-potentially-market-moving-data.html?_c=feed-rss#comments">Read and post comments</a> | <a href="http://www.vox.com/share/6a00f48d045275000100f48d11d70d0001?_c=feed-rss">Send to a friend</a> </p> http://hriggs.vox.com/library/post/quick-tips-for-getting-started-on-your-refinance-1.html?_c=feed-rss nobody@vox.com(Herbert Riggs) http://hriggs.vox.com/library/post/quick-tips-for-getting-started-on-your-refinance-1.html?_c=feed-rss http://hriggs.vox.com/library/post/quick-tips-for-getting-started-on-your-refinance-1.html?_c=feed-rss Mon, 28 Apr 2008 10:35:45 -0700 When you refinance your existing mortgage, you are essentially paying off the existing mortgage debt and replacing it with a new loan. Many of the same costs are involved in refinancing a loan as are in first-time financing. To start with, the l... <p style="clear:both;"> <a href="http://hriggs.vox.com/library/post/quick-tips-for-getting-started-on-your-refinance-1.html?_c=feed-rss#comments">Read and post comments</a> | <a href="http://www.vox.com/share/6a00f48d045275000100f48d118f9e0001?_c=feed-rss">Send to a friend</a> </p>