Just about a year ago many homeowners in the UK knew just what the value of their properties was, having tracked soaring home prices that had been rocketing for the past decade. However, over the past year there has been a turnaround in the housing markets, with house prices plummeting month on month according to reports, and this has left many homeowner unsure as to what their house is now worth.

There are many reasons for the falling prices of homes for homeowners, mainly being the current credit crunch, which will new house buyers off the market as there are no mortgages available anymore.

There are a number of reasons why you may be looking to get your home valued. You may be thinking about putting your property on the market and moving on, in which case you clearly need an idea of what you will get for it. You may be thinking about borrowing against the equity in your house, and will need to provide the lender with details on the price of the house. You may simply be curious to find out what your property is not worth of nearly a year of month on month house price falls.

It is vital in the current climate to try and get the most accurate valuation on your home so that you know what the property is worth following nearly a year of home price drops. You can get an estate agent to come out and provide you with a valuation on the home. However, there is a risk that you could end up with a valuation that is either too high or too low depending on whether the estate agent is looking to get increased commission on the sale of the house or whether the estate agent wants to try and get your property sold as quickly as possible.

It is therefore a good idea to get around three surveyors from different estate agents to come and look at the property in order to provide you with a valuation. Obviously, you should not mention that you have already been given a valuation, as otherwise each estate agent may base his or her valuation on the one that you have already received. Your aim should be to get a totally independent figure from each one so that you can see whether they all come to roughly the same conclusion with regards to the price of your house.

In addition to getting estate agents to come out and provide you with valuations on your house it is also a good idea to do a little research yourself. For example you can go online or check the papers and see what similar homes in your area are selling for in order to get a better idea of the price of your house. Armed with this information as well as the valuations from the various estate agents you will have a far more accurate idea with regards to the worth of your house.

If you are putting your house up for sale and you find that the value of the house is now far less that you had hoped you need to bear in mind that inflating the asking price in the hope of getting more money could result in your house failing to sell in the current climate.

If your property does not sell at your desired price and you still have equity in your home, then home-owner loans could help to improve your current home removing the need to move. For more information on property prices and finding out your properties worth read the articles on try and buy your next home

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Charitable giving can play an important role in many estate plans.   Philanthropy cannot only give you great personal satisfaction, it can also give you a current income tax deduction, let you avoid capital gains tax, and reduce the amount of taxes your estate may owe when you die.

There are many ways to give to charity.   You can make gifts during your lifetime or at your death.   You can make gifts outright or use a trust.  You can name a charity as a beneficiary in your will, or designate a charity as a beneficiary of your retirement plan or life insurance policy.   Or, if your gift is substantial, you can establish a private foundation, community foundation, or donor-advised fund.

Making outright gifts

An outright gift is one that benefits the charity immediately and exclusively.  With an outright gift you get an immediate income and gift tax deduction.

Tip: Make sure the charity is a qualified charity according to the IRS. Get a written receipt or keep a bank record (cancelled check) for any cash donations, and get a written receipt for any property other than money.

Will or trust bequests and beneficiary designations

These gifts are made by including a provision in your will or trust document, or by using a beneficiary designation form.   The charity receives the gift at your death, at which time your estate can take the income and estate tax deductions.

Charitable trusts

Another way for you to make charitable gifts is to create a charitable trust.  You can name the charity as the sole beneficiary, or you can name a non-charitable beneficiary as well, splitting the beneficial interest (this is referred to as making a partial charitable gift).  The most common types of trusts used to make partial gifts to charity are the charitable lead trust and the charitable remainder trust.

Charitable lead trust

A charitable lead trust pays income to a charity for a certain period of years, and then the trust principal passes back to you, your family members, or other heirs.   The trust is known as a charitable lead trust because the charity gets the first, or lead, interest.

A charitable lead trust can be an excellent estate planning vehicle if you own assets that you expect will substantially appreciate in value.   If created properly, a charitable lead trust allows you to keep an asset in the family and still enjoy some tax benefits.

How a Charitable Lead Trust Works

Example: John, who often donates to charity, creates and funds a $2 million charitable lead trust.   The trust provides for fixed annual payments of $100,000 (or 5% of the initial $2 million value) to ABC Charity for 20 years.   At the end of the 20-year period, the entire trust principal will go outright to John’s children. Using IRS tables, the charity’s lead interest is valued at $1,267,630, and the remainder interest is valued at $732,370.   Assuming the trust assets appreciate in value, John’s children will receive any amount in excess of the remainder interest ($732,370) unreduced by estate taxes.

Charitable remainder trust

A charitable remainder trust is the mirror image of the charitable lead trust.   Trust income is payable to you, your family members, or other heirs for a period of years, and then the principal goes to your favorite charity.

A charitable remainder trust can be beneficial because it provides you with a stream of current income–a desirable feature if there won’t be enough income from other sources.

Example: Jane, an 80-year-old widow, creates and funds a charitable remainder trust with real estate currently valued at $1 million, and with a cost basis of $250,000.   The trust provides that fixed quarterly payments be paid to her for 20 years.   At the end of that period, the entire trust principal will go outright to her husband’s alma mater.  Using IRS tables, Jane receives $50,000 each year, avoids capital gains tax on $750,000, and receives an immediate income tax charitable deduction of $1,138,384, which can be carried forward for five years.   Further, Jane has removed $1 million, plus any future appreciation, from her gross estate.

Private family foundation

A private family foundation is a separate legal entity that can endure for many generations after your death.   You create the foundation, and then transfer assets to the foundation, which in turn makes grants to public charities.  You and your descendants have complete control over which charities receive grants.  But, unless you can contribute enough capital to generate funds for grants, the costs and complexities of a private foundation may not be worth it.

Tip: One rule of thumb is that you should be able to donate enough assets to generate at least $25,000 a year for grants.

Community foundation

If you want your dollars to be spent on improving the quality of life in a particular community, consider giving to a community foundation.   Similar to a private foundation, a community foundation accepts donations from many sources, and is overseen by individuals familiar with the community’s particular needs, and professionals skilled at running a charitable organization.

Donor-advised fund

Similar in some respects to a private foundation, a donor-advised fund offers an easier way for you to make a significant gift to charity over a long period of time.   A donor-advised fund actually refers to an account that is held within a charitable organization.   The charitable organization is a separate legal entity, but your account is not–it is merely a component of the charitable organization that holds the account.   Once you transfer assets to the account, the charitable organization becomes the legal owner of the assets and has ultimate control over them. You can only advise–not direct–the charitable organization on how your contributions will be distributed to other charities

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The Hope 4 Homeowners (H4H) program is aimed at helping homeowners that have found themselves owing more on their mortgage than their home is worth. This program can actually reduce the amount that a homeowner owes on their mortgage which leads to a lower monthly mortgage payment.

So How Does it Work?

The H4H program will use the current appraisal value of the home to determine the new mortgage loan amount. A Hope 4 Homeowners’ loan will be 90% of the current value of the home. The forgiven balance can negatively affect the future equity in the home. The Federal Housing Administration (FHA) and your current lender will share in any profits of the house when the homeowner sells their home. This offsets the balance that has been forgiven. The result of the principal reduction is a new lower payment.

An Example:

Let’s say that your current mortgage balance is $400,000 and your home is now worth $250,000. Many homeowners find themselves in this scenario. The current mortgage payment is based on the old value of the home. The new loan is financed at 90% Loan to value of the home’s value based on a current appraisal. $225,000 is the new loan mortgage balance in this scenario. That is a reduction of $175,000 in the principal balance of your mortgage. The new mortgage payment will be based on this new loan amount of $175,000.

What will the New Payment Be?

There are benefits beyond the principal reduction in your mortgage. The Hope to Homeowners loan payment will also be reduced. Let’s say the current mortgage is $400,000 at 6% on a 30 year fixed (the benefits are even greater if you are in an adjustable rate mortgage). The current payment is $2,398. Assuming that the H4H loan has the same interest rate. Payments for the Hope for Homeowners loan for this example are $1,348. That is $1,050 in monthly savings. There are obvious benefits.

There are some qualifying factors that homeowners need to understand. Now that you understand the benefits of the Hope 4 Homeowners program it is time to do a bit more research and find out if you can qualify for this program. Keep in mind that there are some negative aspects of this loan. You may give up some of the equity that your home builds when you sell your home. Americans will be able to keep their homes with this program. The H4H program can and will provide some much needed hope to homeowners that are upside down on their mortgage.

This company can help you find out more. Hope To Homeowners

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Have you read about how the money gurus in Washington recently declared that we are in a national recession.  In fact, we’ve been in a recession for more than a year.

It begs to be asked why it took them so long to figure this one out.I’m left wondering what part of the country these peopld come from and how they are so sheltered.

Regardless of how long it takes the official economic bean counters to verify the obvious truth of the situation, it has not taken the banks (both big and small) nearly as long recognize the facts for what they are and react accordingly.

While the stories of bank failures, FDIC takeovers, and the forced shotgun wedding of one bank to another clamor for domination of the newspaper and television headlines, a different and more subtle change in the banking community has taken place right under our noses.

Banks have been quickly and quietly lowering the yield on the old-fashioned Certificate of Deposit. Looking back on all that has happened in the last year and I guess you can’t expect much different.

A quick glance at Bankrate.com shows the local payouts for the 5 major banks in my state averaging 2.1% for a 1-year CD.  Chase is offering only 1.00%.  In fact they are offering 1% pretty much across the board, regardless of how much you commit to the CD or for how long. 

We see this coming from one of the largest banks in the nation which supposedly has enough financial strength to be tapped on the shoulder to facilitate the Bear Stearns bailout.  Yet the buck doesn’t stop there!Many in the ranks of the media feel that Chase is in the right on this one.

The word on the street is that even the higher rates advertised are inflated.  They are simply trying to grab up deposits in an attempt to prop up their fourth-quarter figures before the year ends.  Plan to see their rates to fall more in line with Chase after the kickoff of the New Year.

With the stock exchange and commodities markets in such a state of turmoil, an ungodly amount of money has been pulled out and directed towards CDs in an attempt to seek safety for whatever principal investors have left.The band news is that CD rates are probably going to dip lower than ever which means you have to wonder if these “safe investments” are really safe in any way.

If by “safe investment” you mean that CDs are guaranteed to have little to no increase in value over time, then you might be right.  I suppose that just keeping your investment dollars from declining in value may be more favorable than throwing it in the stock market or mutual fund accounts, but if you’ve lost 10 years of growth you sure won’t be replacing it anytime soon with 1% rates.

Many investors when faced with the choice between the risks of the stock market and the sad returns of CDs are thinking outside of the box when it comes to searching for safe investments.A not-so-new option that is regaining popularity among savy investors is Private Mortgage Loans.

Private Mortgage Lending is a good example of how investors are lending to people they have a relationship wtih locally.  Put simply, it’s you investing in someone you know and have a relationship with in the form of a mortgage secured against a piece of real property.

The rates paid to private mortgage investors tends to be high, averaging between 10-12%, yet are considered by most as safe investments because they involve relatively low amounts of risk.This safetly net is built-in becuase of the large amount of equity each asset has.

The fact that you get to invest locally in most cases is another benefit of Private Mortgage Investing.The benefit this brings you si that you can zip by a house anytime and inspect it to see how thing are going.  You can “look under the hood” to see the in-flow and out-flow of cash that the property is subject to and get a good feel for whether your investment is working like a well oiled machine.  This type of hands-on accountability is not possible with stock market investing where you are usually limited to reviewing charts, graphs, and profit and loss statements.

Even if you are investing out of state, you can request multiple photos and even YouTube style videos of the property before you commit to investing in the project.

Another benefit your receive as a Private Investor is the ability to see the on-the-ground benefit your money produces as it works to revitalize the local economy and enrich the community. 

Many areas are filling up with vacant home because the big banks are refusing to lend to lend except on owner occupied properties.  Many investors would gladly pay a high interest rate to buy these homes and rent them out for long-term growth (in essence taking all the property management responsibilities on their own shoulders) which means that both landlords and private mortgage investors who don’t have the time for tenant and property management stand to benefit from the relationship.

With banks imploding due to their own greed and mismanagement of their depositors’ money followed by the insulting returns they are willing to commit in the form of CDs now that the damage is done, it would appear that we are returning to a time where people feel more confident in loaning to people they know, have had lunch with, and can have a face to face chat about how well their investment dollars are doing.  As a safe investment alternative, Private mortgage investing falls right in line with this trend emerging with the new economy we find ourselves in.

Do some more research on private mortgage investing and I’m sure you’ll agree that this strategy offers some of the greatest returns available as well as unparalleled safety at a time when many investors need it most.

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Many people do not know how to manage their debt so they end up spending more than they can afford to pay back. Regardless of how hard it is to manage your debt, truth be told, it can actually be done.
Some people who have solved their debt management issues find themselves in the same situation once again just after a short period of time.

Take credit cards as an ultimate example. Even if you do not regard it as a loan, keep in mind that it actually is. The moment you use your credit card to pay for something, you are automatically borrowing money to pay for your purchase.

If you think that you debt could no longer be managed without the help of other people, you might want to consider consumer counseling services. The first thing that will be required of you is to list down all your debts at the moment. Most of your debts can be renegotiated regardless of what type it. You may also want to consider personal finance gurus if you don’t want to hire a company to help you - you can read Kevin Trudeau reviews, John Cummuta reviews, and Dave Ramsey reviews for advice.

Consumer Credit Counselors can help you with your credit card problems. They can revoke interest rates charged to your credit card usages or at least limit the interest rates charged of you. However, when this is done, your credit card line is automatically shut off. You can no longer make use of your credit card nor apply for any other credit card until you have settled all your dues.

This could be harder on your part most especially if you do not have enough savings or cash to use in times of emergencies. You have to be willing to reduce your spending if you ever want to get out of debt. No matter how hard this could be, keep in mind that you can do it because you actually have no other choice.

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Many banking customers are discovering the increased convenience, ease, and security of online banking services. Even some business banking services are now being offered online, as technology continues to advance and as consumers become more and more comfortable with the idea and practice of online banking. Services include bill payment, check writing and mailing, funds transfer, balance inquiries, and others. Even the smallest banks and credit unions are now generally able to offer their depositors the ability to access online banking services, and with the increasing integration of the personal computer and even wireless handheld devices into the management of our day-to-day lives, online banking services are likely to continue to be in high demand for the foreseeable future.

Online Banking Services And Online Banks Are Always Available

Perhaps the greatest advantage of online banking services is their capability to offer 24 hour a day, 7 day a week access to important personal financial information. Now, with an up-to-date online banking service, you can pay bills at three in the morning, or transfer funds from one account to another on Sunday afternoon while you’re watching your favorite sporting event. You can check your balances while you’re sitting at your desk at work and review the transactions on your mortgage account during your lunch break—without having to drive anywhere.

Online Internet Banking Services Competition is Good

Now, it's easier than ever for customers to compare rates, services, and features of various online banking services being offered. You can do an Internet search on a phrase like “online banking services” and get rate comparisons for various types of accounts offered by banks in your zip code. If you’re looking for an interest bearing checking account, a bill paying service, or other online banking services, you can get a pretty good idea of what’s available, right on your desktop. Most banks even offer a virtual tour of their online services so that you can get an idea of the user interface and its features. Most online banking services are designed to be easy to use with a point and click navigation method. If you have multiple related accounts, you can often obtain discounted or free access to online banking services.

Online Banking Services Security

Banks use encryption methods and password-protected access to account information to provide maximum security for transactions and to prevent unauthorized access to personal financial information. As long as users are conscientious about not providing others with passwords and about logging out of their browsers at the end of each session, most persons shouldn’t have to worry about the safety of their accounts or information.

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It is true that if you can manage to create your own budget, you will be able to control your finances wisely. It is not just about writing expenses down and making a list.

Budget and Debt Reduction

Creating your own budget is more than that. You have to take into consideration what you really need and include what you have to pay for, such as your expenses and debts. When you create your budget, it should focus in reducing your expenses so you can save for your future. For you to establish an idea on how you can create your own budget effectively, consider the four major factors indicated below:

1. Fixed Expenses
2. Your Variable Expenses
3. Reducing Your Debt
4. Your Savings Fund

First, write down your fixed expenses and determine if there are ones you can afford to take out. Fixed expenses are those goods and services that you are obliged to pay for every month, such as your rent or mortgage, utility bills, credit card bills, monthly subscriptions, etc.

Manage Your Expenses

Then you have to manage your variable expenses accordingly. You need to examine these irregular expenditures and work out how much money you are spending on them. If a variable expense is unnecessary, like eating out every night, you have to take it out of your budget.

It is important to make a list of the goods and services you owe, and to write the date due, so that these expenses are paid for in due time. You have to be able to evaluate when you are required to settle your debts either with the minimum amount due or in full, and pay them on time.

Formulating a plan on your personal finances, should involve saving enough money for the ‘rainy days’. If your budget is not balanced, then you will have to cut down on more expenses. Your variable expenses are usually where you begin to cut down on your expenses. How many times for instance would you eat out? If you eat out twice a week, perhaps you can try eating out just twice a month. How often do you shop for clothes?

It is important that you spend your money wisely by setting a strict budget so that you may prepare for your future, especially in these troubled economic times. It takes a little time investment on your part and a lot of discipline to manage your debt.

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Do you know what the secret cost of the bailout is costing US tax payers? Not to mention the overseas prospectors around the world who are being hit by the global economic crisis? I would go so far as to call myself well informed to financial news. For many years now I have been earning a livelihood as a writer on offshore banking matters. It’s nothing new to me that the U.S. Dollar is plumiting. But I just did some calculations today that really made my jaw drop!

A startling Economic Report

The following, and startling, facts are all based on a new report out from the National Bureau of Economic Research:

Simply put, the 2008 Economic bailout has cost the U.S. so far $8.5 trillion. Of course, this isn’t exactly news to many people. These figures go far beyond most people’s comprehension… which is how the US government got away with this whole foul play in the first place. To completely comprehend these amounts, though, let me try to put them in context by comparing them side by side to other expensive wars and government initiatives since the American Revolution. This is where I couldn’t believe my eyes.

If we add it all up in inflation adjusted dollars, the total price of all of the following major US government capital outlays since the American Revolution, they come to $8.1 trillion. You read that right, the total spending for the list below is less than the total cost of this year’s economy bailout.

Here are the wars and initiatives we are talking about, shown in order of price the most expensive on top and the least expensive on bottom:

1. The Second World War
2. The complete budget of NASA
3. The Vietnam War
4. The Iraq War
5. The New Deal
6. The Korean War
7. The First World War
8. The Savings and Loan Crisis
9. Afghanistan/GWT
10. The Marshall Plan
11. The Gulf War
12. The US Civil War
13. The American Revolution
14. The War of 1812
15. The Louisiana Purchase

Yes that’s right, you add up together the final cost of everything on the above list and the total is still less than the total dollars the government has just spent on this year’s bailout! Read this report for yourself to get more info on the real cost of the bailout.

Investing your Wealth Offshore: Things to consider

How does that make you feel? Shocking I know! I knew that economic conditions were dire, but doesn’t that just put it all in context in a more coherent, if disturbing way? (On a side note, it was also informative to see the price of the war in Iraq compared to other conflicts - way above the Gulf War but still under the price of Vietnam).

There are difficult times ahead, but if you seek out a reliable guide, there are great opportunities to profit from the crisis and you can learn wealth creation better than ever before!

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Many people, if not most, would not consider gambling a worthwhile subject in financial planning. However, with millions of people involved in gaming of all sorts, and billions of dollars, pounds, and euros at stake, why not? Some people gamble only for amusement; but what if you want to gamble to actually produce income?

Lotto, of course, is one of the most popular forms of wagering. Although no one has yet perfected the technique or the formula to second guess the winning combination, many have managed to make fine earnings by guessing the probable winning combinations. Some rely on mathematics, while some rely on intuition. The best chance you have of striking the winning combination depends on how you use the most vital ingredient required for every day living – commonsense.

Rather than focusing on costly strategies that use random combinations you will need to focus on possible winning combinations. You can achieve this by simply categorizing winning combinations. If you decide, based on historical data, that a future jackpot will have more numbers from 1 to 9, then you should have combination of numbers that will include at least four numbers from 1 to 9. This way you will not have to buy inflated numbers of tickets to increase your odds of hitting the big prize. By not buying too many tickets you not only save money but also have enough to play another day — which could prove to be your lucky day.

Playing in syndicate is also a good idea but then you have to share your prize money with all the members of the syndicate and this means you still keep your job and report back to office on the following Monday. Categorizing numbers doesn’t require a lot of intellectual acumen. What you essentially do is target a group of numbers and try out numerous combinations. For example: if you deduce that 1 to 9 may be the combination that you need to focus on, then your combination could be 1,4,6,9,26,30 or 1,2,5,7,36,39 or 1,3,8,11,29,45. Now in these numbers you will note that your focus is on numbers from 1 to 9, not the other numbers which have an outside chance of being drawn. With this system you may not necessarily hit the jackpot but you will surely win decent sums of money to finance your future games, and if Lady Luck happens to smile on you, you can forget going to work on the following Monday.

The commonsense approach demands that you play knowledgeably. If you are targeting the group from 1 to 9 it would be utterly foolish to draw four numbers in a series like 1,2,3,4 or 6,7,8,9 as the first four numbers; doing this makes your chances of hitting the jackpot or any small prize virtually zero. It means that even before the winning numbers are drawn, you have already lost the game. This amounts to literally throwing away your money.

So … how to win at lotto? Well, the best strategy is you should zero in on the most probable winning combinations and then use common sense to arrive at the combination of six numbers. If you are disciplined enought to follow this practice consistently,your chances of hitting the jackpot go up dramatically. If you are going to gamble, do so intelligently, and play to win.

More info at greatlottoinfo.com.

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Many of us have several ways to cut the money that we spend each month. It may be easy to eliminate the morning coffee expense now that many Starbucks stores are closing. To be serious, it is really important to cut expenses during this downturn. It is time to sit down and start eliminating all of your unnecessary expenses. List everything that you spend money on each month. This is not about cutting all expenses of course, refinancing your life is about making sacrifices.

What does it mean to go through a life refinance?  It’s actually really easy. Many of our finances will change with time. Many of us never pause to look at all of the expenses that have been adding up. Now is a great time to do so. You don’t have to sacrifice everything. Everyone has expenses that must be incurred each month. Take a deep breath, you can cut out many of your expenses and you may need to change your lifestyle a bit.

There is no need to start with your major expenses. Can you pick up a newspaper at the store once or twice a week instead of having it delivered everyday? How about eating out a few less times each week? Use this life refi to your advantage. You may find that eating healthier meals can actually save you money. Consider skipping out on steak and opt for chicken. How often do you use your gym membership? There are many ways to exercise without going to the gym. Just put some thought into your own lifestyle and your own expenses. You will find that if you are willing to make some simple sacrifices you can dramatically reduce your monthly expenses.

It will be a bit more time consuming to handle your larger expenses. Pick one day each week that you will spend on cutting your large expenses. Contact some insurance companies and shop your rates again. Consider reducing or changing your coverage.

For many Americans the mortgage payment is the largest monthly expense. A home refinance can be used as a financial tool. You can find a loan program that fits your current lifestyle a bit better or even simply refi to lower your payment. Roll your credit card debt into your mortgage. You may want to reduce your expenses by paying off your auto loans with a home refinance. You will be amazed at how much cash flow you can create with this tactic. It may be possible for you to obtain a no cost refi.

You may be surprised how easily you can turn your finances around. It is just a matter of getting started and often starting small will help. Stay focused, we often dig ourselves into a hole without even realizing it. You will feel as if a huge weight was taken off of your shoulders when your are done. Will you be ready for this economic downturn?

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