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About me - Fran Bourassa

Home & Garden > Buying & Selling Homes How to save money on a home
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Well, one resource I have used for looking for properties is www.realtor.com Also, check with friends/family to find a good real estate agent.As far as the steps in purchasing a home -This step is optional, though recommended. I would suggest you first get preapproved for a mortgage. Make sure that you are comfortable with th... More..

Personal Finance > Managing Credit Prepaid credit and its affect on credit rating
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A pre-paid credit card will not affect your credit rating, good or bad. The reason for this is because as it is a pre-paid card, it will not report to the three major credit reporting agencies.However, if you obtain a "secured" credit card, it most likely will report and providing you keep a relatively low balance a... More..

Personal Finance > Mortgages & Home Loans Smart ways to use your home equity money
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Typically, with a home equity loan you can utilize the funds for just about anything - a new car, a crazy weekend in Vegas, or more intelligent things such as home improvments or paying off your high interest debts.There are two main types of home equity loans, one is a HELOC (Home Equity Line of Credit) and a Fixed second mo... More..

Personal Finance > Mortgages & Home Loans Determining your home equity
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"Home Equity" is the amount of equity that you have in your home. In essence, if you were to sell your home and pay off the amount of money you owe on it right now, the cash that you would have left would be your "home equity"To determine the amount of home equity you have, you need two pieces of informati... More..

Personal Finance > Investing Basics Stocks, bonds and mutual funds: How to balance your portfolio
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It is difficult to give a broad answer on this question, but I'll do my best.The best way to begin is to determine what the money will be utilized for, and how comfortable you are with risk.If your money is for retirement and you're close to the age of retiring, it is likely that you would want to have a less risky portfolio.... More..

Personal Finance > Managing Credit How to build your credit
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Types of TradelinesBasically, a tradeline is simply an open line of credit. There are several different types, which we will discuss.RevolvingUsually the most common type of tradeline out there, it simply means that it is an open-ended line of credit. You can borrow money on it, pay it back, and then re-borrow without having ... More..

Personal Finance > Mortgages & Home Loans Saving money on your mortgage
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What if I were to tell you that you could pay off your 30 year fixed mortgage in just over 23 years and save thousands, if not tens of thousands of dollars in interest with little difficulty? Sound too good to be true? It isn't.Often times lenders will advertise "bi-weekly payment plans" stating that it will save yo... More..

Personal Finance > Managing Credit Best ways to get good credit
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In America, your credit is based on credit history. The longer you have credit, the more prompt your payments, and the lower your balances, the better credit you will have. Unfortunately, having no credit is usually just as bad - and in some cases worse - than having bad credit.Why Credit is ImportantIt seems that the old day... More..

Personal Finance > Mortgages & Home Loans Different types of loans and when to use them
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Variable Interest Rate: A variable interest rate loan, often referred to as an ARM (adjustable rate mortgage) is a mortgage that has an interest rate that can adjust. Typically, the interest rate is tied to an index (Prime, LIBOR, COFE) and will move with the index rate. The amount that the interest rate can adjust, and even ... More..

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