Hello Folks,

I’m getting slammed at the University and won’t get a chance to put down a longer, more substantive posting today. Instead, here is a video from Kiplinger’s personal finance. Its on the topic of how the mortgage market has changed in recent years. Some of the highlights: its harder to get a mortgage, but you can still get an adjustable rate loan if your budget will allow it.

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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