Ilyce Glink, ThinkGlink.com and Best Money Moves
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Ilyce

About Ilyce Glink

Ilyce Glink is an award-winning, nationally-syndicated columnist, best-selling author, and radio and television personality. She is the best-known consumer advocate for home buyers, sellers, and owners, and her content touches millions of readers, viewers, and listeners each week. She is the Founder/CEO of Best Money Moves, an employee benefit that companies provide that helps employees measure financial stress, then dials it down with a unique content mapping system. She is also the Founder/CEO of Think Glink Media, a digital content agency, and the Publisher of ThinkGlink.com. Listen to Ilyce on WGN Radio each week, follow her on Twitter, and sign up for the ThinkGlink free weekly newsletter, in the blue box at the bottom of this page.
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FHA Raises Down Payment Requirement For Mortgage Loans

By | January 19th, 2009|

Since the financial crisis it has become more difficult to get a mortgage loan without a down payment. The Federal Housing Authority, or FHA, raised the minimum down payment required to get a mortgage loan to 3.5 percent of the loan value effective January 1, 2009. In addition to having enough money for a down payment, you also need to have a housing cost-to-income ratio of no more than 31 percent. Housing costs include homeowners insurance expenses, property taxes and the mortgage payment.

Fighting Homeowners Association Lawsuit Requires Attorney

By | January 19th, 2009|

How can you find a trustworthy attorney to help with a homeowners association lawsuit? Ilyce suggests contacting a local bar association or asking friends and family for recommendations. You can also contact an attorney who specializes in a different area of law and ask who he or she suggests. Having the right lawyer helps when contesting a homeowners association lawsuit.

Financial Planning: Save Money But Spend A Little

By | January 19th, 2009|

Financial planning and saving money is the responsible way to prepare for the future. But sometimes too much financial planning and saving money can be a bad thing. Don't let your financial planning get in the way living a happy life.

Financial Questions and Answers

By | January 19th, 2009|

When a product is recalled, the manufacturer will repair the item and replace it. If you have discovered that appliances in a home you have recently sold have been recalled, you will probably not be responsible for charges. Contact the manufacturer for more details.

Financing A Car Instead Of Paying Cash

By | January 19th, 2009|

Financing a car may be a better option for some people than paying cash. Financing your car through the dealer, allows you to use the cash for other purposes. If you finance instead of paying cash there are several things to get in writing including the prices of the vehicle, the finance charge and how much interest you will pay per year.

Financing New Business Debt With Credit Cards

By | January 19th, 2009|

A small business owner wonders how to finance his new business debt that is currently on two low interest credit cards. It depends on how you set up your business and if the debt is personally guaranteed. If the new business debt is on business owned credit cards, he may not have to make good on the debt personally if the business fails - then he should not transfer the debt to his home equity loan.

Finding The True Sales Price Of A Home

By | January 19th, 2009|

How do you find out if the tax assessor's web site is correct in the sales price of her late mother's home? A real estate agent in the area may be able to look up the home to find its sales price. The county recorder of deed's office where the property was located should have a county record of the sold home as well.

First Time Home Buyer Should Look Beyond Incentives

By | January 19th, 2009|

With the housing market in trouble, it may be tempting to buy a home solely on the basis of tax deductions and builder incentives. But a first time home buyer should look at factors beyond tax deductions and builder incentives including the neighborhood, whether the home will meet his needs and whether the home is in good repair. The incentives will then be an added bonus for the first time home buyer.

First Time Home Buyers: Research And Use A Real Estate Attorney

By | January 19th, 2009|

First time home buyers should know why it's important to use a real estate attorney and do their research before putting money down on a home. First time home buyers need to research different real estate terms, learn more about real estate matters, and consult an attorney before making a decision. Researching and using a real estate attorney will protect first time home buyers from making mistakes and losing money.

First-Time Home Buyers Weigh Mortgage Options

By | January 19th, 2009|

First-time home buyers have lots of options when it comes to getting a loan. Mortgage brokers may have lots of ideas, but you need to find out what mortgage plan works for you. Do you have a lot of cash for a down payment? Will you need to pay off credit card debt? Do you need money for repairs? Will you need private mortgage insurance? First-time home buyers need to consider all the options.

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