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	<title>The Frugal Pig &#187; mortgage</title>
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	<link>http://www.frugalpig.com/frugallife</link>
	<description>Frugal Living Tips and Ideas</description>
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		<title>Paying Cash For A Home &#8211; What Pros Know</title>
		<link>http://www.frugalpig.com/frugallife/frugal-shopper/frugal-home/paying-cash-for-a-home-what-pros-know/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-shopper/frugal-home/paying-cash-for-a-home-what-pros-know/#comments</comments>
		<pubDate>Sun, 24 Jul 2011 15:30:47 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[Frugal Home]]></category>
		<category><![CDATA[home buying]]></category>
		<category><![CDATA[home selling]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[refiance]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=492</guid>
		<description><![CDATA[We got some great information from Mark Karten of The Karten Group of Las Vegas Real Estate about some surprisingly good reasons to pay cash for a home if you can. Who Do Cash Home Purchases Benefit? A cash purchase can benefit you if you want to purchase a home to live in or if you want to invest in property to produce income. Should You Always Pay Cash? Many financial professionals will advise you to hold on to your cash and investments, and so take advantage of lower mortgage interest rates. However, you may want to rethink that strategy. You may be able to take advantage of a discounted price, fast closing, less paperwork, and then still be able to get your cash back by refinancing! Why Pay Cash For Your House? Just as gentlemen prefer blonds, sellers prefer cash buyers. Why? Without the need for loan underwriting, and all of the associated research and paperwork, you may be able to close on your home in days instead of weeks.  A seller, eager for a quick sale and closing, will be more eager to negotiate on the price. Take advantage of a fast closing, less hassle, and a discounted [...]
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<li><a href='http://www.frugalpig.com/frugallife/frugal-finance/finance/be-wary-of-gold-cash-scams/' rel='bookmark' title='Be Wary of Gold Cash Scams'>Be Wary of Gold Cash Scams</a> <small>Cash For Gold? Sure, you can get cash for your...</small></li>
</ol>

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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>What Debt Is Good Debt?</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/pay-off-debt/what-debt-is-good-debt/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/pay-off-debt/what-debt-is-good-debt/#comments</comments>
		<pubDate>Wed, 16 Jun 2010 16:04:20 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[Pay Off Debt]]></category>
		<category><![CDATA[auto loans]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[dental]]></category>
		<category><![CDATA[emergencies]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[transportation]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=224</guid>
		<description><![CDATA[Is Any Debt A Good Debt? We talk a lot about paying off debt. We really hate high credit card balances because they tend to be for things that are not really tangible or long lasting, and those rates can really run out of control. There has been a lot of talk about the mortgage crisis, but I am sure that credit cards have gotten a lot more people in financial trouble with little to show for their expenses. Emergency Credit Of course, it is better to be able to pay for an emergency bill with your savings. But we, of all people, understand that sometimes troubles just seem to pile up. It is not always possible to choose between filling a cavity and getting your car repaired. Your dental problems could just become worse if you neglect the cavity, but you may need your car to get to work. So sometimes, the cost of debt will be less than the cost of waiting for a service. In that case, you should probably just go ahead and charge it. Long Term Goals Most experts advise us that it is ok to borrow for a long term goal. An affordable home [...]
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		</item>
		<item>
		<title>Prepare For A Job Loss</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/finance/prepare-for-a-job-loss/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/finance/prepare-for-a-job-loss/#comments</comments>
		<pubDate>Tue, 09 Sep 2008 16:02:37 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[finance]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[job loss]]></category>
		<category><![CDATA[layoff]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[unemployment]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=55</guid>
		<description><![CDATA[You Can Prepare For a Job Loss A good friend of mine had been a very productive team member at his job for years. In fact, his team even got recognized for a couple of patents, and he was certain that his company valued the contribution he made. A few short months after he brought home his certificate and bonus money, the company decided to outsource his group. He arrived at work on Friday and was told he would not need to report in on Monday. Needless to say, he was unprepared for the job loss, financially or emotionally, and it was a devestating event in his life. Prepare for a Job Loss Companies are cruel these days, and few employees are really safe. In fact, over a million and a half workers were laid off in the last 12 months, and I&#8217;m sure most of these people were very good employees too. Most of us will get laid off a couple of times in our working lives. We cannot possibly prevent every possible reason for a job loss, but we can prepare ourselves. Save Your Money, Just Like Dad Said Your financial advisor, your friends, and your dad will [...]
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Layoff Insurance for Unemployment Mortgage Protection</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/pay-off-debt/layoff-insurance-for-unemployment-mortgage-protection/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/pay-off-debt/layoff-insurance-for-unemployment-mortgage-protection/#comments</comments>
		<pubDate>Wed, 27 Aug 2008 17:46:34 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[Pay Off Debt]]></category>
		<category><![CDATA[credt]]></category>
		<category><![CDATA[homes]]></category>
		<category><![CDATA[layoff]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[unemployment]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=52</guid>
		<description><![CDATA[US Home foreclosures in July, 2008 were up 55% over the previous July, and many Americans are concerned about their financial stability these days. Companies are eliminating positions, and state unemployment benefits will not cover the mortgages, auto loans, and other bills that most families have. That is why many people are planning ahead by looking for mortgage unemployment insurance. This type of layoff insurance provides a cash benefit. The cash can be used in any way it is needed, and is not tied to one particular debt, like a mortgage, as is the case with many other types of credit insurance. This allows the owner of the benefit to control how it is used, and we believe this control is in the best interest of the consumer, and not just the best interest of lenders. Layoff insurance offers affordable rates, and can be a valuable financial planning tool for working people. No related posts. Related posts brought to you by Yet Another Related Posts Plugin.
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		</item>
		<item>
		<title>US Foreclosure Rates Are Still Climbing</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/finance/us-foreclosure-rates-are-still-climbing/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/finance/us-foreclosure-rates-are-still-climbing/#comments</comments>
		<pubDate>Sat, 14 Jun 2008 04:28:36 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[finance]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=37</guid>
		<description><![CDATA[American Are Still Losing Their Homes This is a pretty painful subject for me because I do know people who had to leave their homes. They did manage to land on their feet, and seem to be thriving in a more modest dwelling then they used to own. They did go through a crisis, but probably ended off better then most. But people, wake up, this crisis is not over. For some more gloom and doom see: US FORECLOSURE RATES ARE RISING. Now some people were victims of predatory lending, and were mislead into some pretty awful mortgage deals. Some others lost jobs unexpectedly, or perhaps savings were depleted by falling interest rates or stock prices. Frankly though, many more people were victims of their own consumerism. I guess, when faced with the prospect of having no house at all, a more modest home seems pretty attractive. There is something purifying about living modestly, and about knowing that you are living a bit below your means. And if you are saddled with a mortgage you cannot manage any longer, why not free yourself from the stress? If you have a way to get out of your loan, even if you [...]
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