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You may not have the prior experience of investing your money in stocks but still you may be interested to have a bite on the robust returns offered by some stocks. As a beginner investor, if you have realistic vision and realistic strategies in place, you can surely make your fortunes through investing in the stock market. It is to be noted that you should not expect stock markets to make quick gains. Here are our tips for a first time stock investor.

We love our friends and family very much and can do anything for them. Most of us lend money to our friends and family members without any inhibitions. But though it is considered to be a goodwill gesture, it might play havoc on your personal finances if they don't return the money.

Here are few ways by which you can deal this issue and also keep your relationship with your friends and family members on track:

In this consumerist world, it is very important to make the right purchase. And when it comes to make the big purchase of your dream home, you have to be bit extra careful. Anyways, it is quite often seen that many of you falter when purchasing your home. Wrong selection of a home mortgage loan to buy your home, may result into serious troubles for you. You need to check whether renting a home is a better option than taking out a mortgage loan to own a home.

According to the statistics provided by the Federal Housing Finance Agency (FHFA), housing prices in the country moved upwards by 1.8% in the second quarter of 2012 in comparison to that of the first quarter. The data provided by the FHFA reveals that the purchase-only seasonally adjusted Home Price Index (HPI) increased by 3% in the second quarter of 2012 in relation to the second quarter figure of 2011. Again, for the month of June 2012, the Agency’s seasonally adjusted monthly index rose by 0.7% from that of May 2012 figure.

For the last two weeks, it is being noticed that there has been a rise in the mortgage interest rates. The long term as well as short term mortgage interest rates increased in the past week. The 30 years fixed rate mortgage which had an interest rate of around 3.76% increased to that of 3.86%. The Jumbo fixed rate mortgages also showed an increase where the rates rose to 3.86% from that of 3.53%. In the past week, the average rate for FHA mortgages increased to 3.62% from 3.53%. The points also increased from 0.49 to 0.50.

With numerous mortgage lenders operating in the market with a bevy of mortgage loans offers, it is indeed very difficult for you to select the right mortgage. In order to pick the right type of mortgage, it is very important that you should have clear idea about different types of mortgages operating at the market place. Here we concentrate our discussion on the popular mortgage types. Hope this will help you make the right choice.

According to the regulators, including the Federal Reserve and the Consumer Financial Protection Bureau, new rules have been proposed which had made it mandatory for all the high risk mortgage lenders to get property appraisals for the first time.

Here are the main points of the new appraisal rule as proposed by the Federal Reserve and the Consumer Financial Protection Bureau:

Most of us have mortgages on our property and have to make payments on a regular basis. There are various methods by which borrowers can make payments. Each of them has their own pros and cons. Let's take a look at the various mortgage payment methods available to the borrowers:

Automated withdrawal:

Nowadays, investors are increasingly becoming more knowledgeable and making more informed investment decisions than the investors of the earlier years. Various investment education sites, newspaper and magazine coverage on personal finance related matters and investors’ meet are helping the common investors a lot to make correct investment decisions. Anyways, despite the enriching know how of the investors’ community, a lot of myths or misapprehensions are still raging among the common investors. Here we try to discuss about those myths.

Tax saving investments

When the problem of environmental pollution has reached the alarming levels, socially responsible people from all parts of the world, have vowed to do something to save this world on their own humble ways. Eco-minded people are putting their money to develop alternative energy, clean the earth’s oceans, reverse global warming and to speed up the progress towards sustainability.