FILAM FINANCE

Back in the real estate boom days, the idea of debt consolidation using the equity of your homes is very prevalent ude to the following reasons:
Lower Interest rates. Because you are using your house as a collateral, banks would offer borrowers a very low interest rate. The interest rates are around 5-10% lower than the […]

Yes, February 14 just passed by. Can you believe that we are already in mid February?
Well, Valentines day is also heart’s day. A lot of couples are going out to dinner at various restaurants. For the top restaurants, most couples have to have a reservation for at least a year. Some of them are you […]

My wife is returning to school and she is going to Cerritos College. She will be taking mostly computer information systems and some business classes. Eventually, she will be transferring to a four year university to obtain her bachelors degree. Going to a community college first is one of the smartest decision a student can […]

The nation’s housing prices continued to go down at a record-setting pace in October, according to a prominent index released Tuesday.
The Standard & Poor’s/Case-Shiller index of home prices in 20 metropolitan areas was down 18% in October from the same month last year.
The top cities who made the biggest gains during the bubble are leading […]

The bad thing about after Christmas day for the retailer is that there will be a lot of returns. My wife and I went to Target and Wal-mart to return some unwanted gifts. There were not a lot people buying but there was a long line in the customer service or returns section of the […]

Last October 31, 2008 was the deadline to submit my healthcare forms as part of my employment benefits. I have a very good employment benefit by working for a local county government.
I had to make a few adjustments such as increasing my life insurance benefit. In addition, I added accidental and dismemberment coverage for $100,000 […]

With the economic showing a big slow down, a lot of companies have issued pink slips and laid off thousands of workers. Big companies such as the banks and even the big three automobile companies in Detroit are trying to find ways to cut costs. Of course, the biggest expense to cut is always payroll.
These […]

This is an inside joke that we have been telling our friends. When one of our classmates from the Philippines came over here for a vacation, they stayed at our place for two weeks after spending two weeks in Florida enjoying their Orlando vacations trip. They went to Disney World and they said that they […]

My wife is going back to school so we are currently looking for a new laptop. I mean we do not need an expensive one especially if it is going to be used for homework and exploring the internet. Our current laptop actually cost around $1700 and it has a lot of good features. We […]

My wife’s family is in the Philippines and we normally spend around $40 per month in long distance bill. My wife’s family there did not have internet connection back then but they recently have one. Because of this, we could potentially cut down on our long distance bill because she can communicate with them through the […]