Robert R. Rowley PS

The oldest permanent modifications made through the federal Home Affordable Modification Program, which launched in 2009, were redefaulting at a rate of 46.1% as of March 31, according to the report from the special inspector general overseeing the Treasury Department’s efforts to shore up the U.S. financial system. HAMP’s permanent modifications from 2010 have redefault […]

An alternative for which I’m a believer is that you should instead consider investing the money spent on a prepaid funeral by investing your money in a tax free savings account. That way you have control over how the money is invested and you can still prearrange your funeral so that your wishes are carried […]

Big investors are pouring unprecedented amounts of money into real estate hard hit by the housing crash, bringing those moribund markets back to life but raising the prospect of another Wall Street-fueled bubble that won’t be sustainable. Drawn by the prospect of double-figure profit margins on rents and the resale of homes whose prices plummeted […]

Question of the day: Should the IRS be looking at your Facebook, eBay, Twitter, Paypal pages/transactions and emails to see if you are cheating on your tax returns?  Example – you post photos of your latest ten-day Hawaiian vacation but claim virtual poverty on your tax return.  Fraud – maybe not but enough to warrant […]

Number of the Week: College Grads in Minimum Wage Jobs.  While the raw number of college grads stuck in minimum-wage jobs remains elevated, their share of such jobs is at more or less its 10-year average. About 8% of all minimum-wage workers held at least a bachelor’s degree in 2012, a figure that has bounced […]

Only 1 out of 5 annually check their credit history though it costs nothing to check at www.annualcreditreport.com.  I personally try to check atleast once a year for any erroneous information or more likely – signs of identity theft. Like your credit score? Look closer.