Directed Dollars Publishing Company Presents: Leveraged to the Hilt?

Writings from Professor Bill I am in the process of converting a number of papers that I have written to PDF format. Check back frequently to see what is new. 1. Mortgage Refinancing Can Be A Joke It Ain't Funny Ø This paper addresses the problems associated with mortgage refinancing. Professor Bill believes there are an alarming number of consumers who worse off after refinancing. A software program for self-analysis will be available soon. 2. Making Hard Earned Dollars Work Harder Ø The experts say to pay down the bill with the highest interest rate. Could they all be wrong? 3. Managing Holiday Spending Ø There are dozens of tips and most will be ignored. You might really like this one. 4. Financial Revolution Has Begun…. Ø Consumers will have more information to make better decisions. Costs of borrowing will decrease dramatically. 5. Universal Default Rate Ø One of the industry’s newer money guzzlers is starting to heat up – the Universal Default Rate. This is the rate your credit card company can impose, with or without notice. How does will impact you and how can you fix it? 6. Mortgages – Refinancing (Part I of III) Ø Refinancing can be a great if done properly. Unfortunately, many are worse off. How did you do? 7. Mortgages – Cash outs and Roll-ups (Part II of III) Ø Cash outs and roll-ups can be very expensive. Now you will be able to tell if its worth it. 8. Mortgages – Acceleration (Part III of III) Ø Acceleration can have a great impact on your mortgage, but can your money give you a better return elsewhere? 9. Interest Only Loans Ø You might save a little in the short term, but definitely not in the longer term. If interest rates increase the short term savings are in jeopardy. Be careful!