www.CNN.com/Clarkhoward is the official website of Money Expert Clark Howard, who will give you a roadmap to financial stability and help you protect yourself against costly financial mistakes and potential scams each weekend. Tune in Saturdays and Sundays at noon and 4 p.m. ET on HLN.
On the show, Clark takes phone calls from the audience of his popular radio show, helps HLN viewers in his Money Coach series, provides consumer advice and travel tips and will answer your questions through "Clark's Helpline" coming soon to this show page.
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Thursday, February 5, 2009
CNN.com/Clarkhoward - Clark Howard on HLN
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13 comments:
Hi Howard, my name is Randy. I keep hearing how easy it is to refi your home loans. I have tried 4 different places from banks to mortgage companies.I have been turned down ,because my house is not worth what I need to refi on it. My credit rateing is from 775 to 791,so you can see I have a good credit ranking.All I am trying to do is get my interest rate on my 2 loans.One is 5.785% and the other is 9.25%. I just what to combine to 2 to lower rate. Thanks Randy (papabo920@sbcglobal.net)
Mr. Howard
My husband and I are 75 years old. Do we need to file income taxes. We have a rental we are trying to sell and have interest paid on 2 places.
Thank you Donna Doores ddoores@mtaonline.net
Hi Howard I'm on S.S.,my husband is unemply & we have a FHA @ 6% for 30yrs. We pay $1000.45per month mortgage, need 5% or 4.75% to lower pmts. Talked to Countywide 5 times,no help. $2,800 both income. We seem to be in a place of our own, we need help also. Who can help us. Thanks
I am confused about getting a free credit report.Why do they all say free 7 day trial? On CNN you said go to your web site but it is confusing.
Hi Howard, my name is KZ SYED. I had a Federal student loan with SALLIEMAE & ORIGINAL STUDENT loan amount was $ 13955 during 1998. I had loan forberance, financial hardship etc so that I did not had to pay the loan for few months. Later on I did not get any communication from the lender for years. After I searched I found out my loan was handling by US DEPARTMENT OF EDUCATION PO BOX 4169, GREENVILLE, TEXAS 75043. SalleMae has turned over to US DEPT OF EDUCATION. LATER ON I FOUND OUT THEY HAVE ADDED INTEREST, SERVICE FEES ETC AND my loan became $19,535.50. This was a rediculas...After I talked with them to remove false charges by the US DEPT OF EDUCATION. They denied to remove any amount. I got upset and did not communicate with them. Later on begining of this year I found out my student loan with ACT (ACCOUNT CONTROL TECHNOLOGY) COLLETCTION AGENCY WITH the amount of $28,045.05. I have to pay or they will garnishment of my wages, texas refund. They did garnish my tax refund about $4457. I called them (ACT) and asked for any settlement they threat me and told me If I do not pay then they will garnish my wasges and they already have processed. I did not had any idea what to do? then I asked them how much do I need to pay. They said 21,000 within three months.
At this point what should I do Mr. Howard? I did settle with them with 21000 where my student loan was $10,000
THANKS,
KZ SYED
580-304-5575
Dear sir,
I am a gm worker, and am in the p.s.p. retirement plan. The plan is managed by Fidelity Investments.
I pick my own stocks that I want to invest in. Today they sent me a letter saying that if gm goes into bankruptcy the stock will be worthless and they were going to sell it at current prices. I paid 46.00 a share and now its only worth 2.00 a share.
They say if I dont elect where to move it they will. They say their not going to sell gm stock any more. I do not want to sell it at this great of a loss. How can I stop them from selling it. Please e-mail me to let me know my options.
Thank you,
RankayeLawson@aol.com
what is the point in stateing the question without an answer.
Hey Howard,my name is John,and the finacial question that I have for you concerns my financial obligations of child support.I have been disabled now for five years now due to an on the job injury. I have just now started receiving my financial benefits this year. At the time of my injury I was caught up and on time with my obligations,but now I am $20,000 + in the hole with my obligations. Do you have a solution or any advise for me on how to lower or even eliminate this debt?
Thank you, In desparate need; John
Can you tell me what are the perks for buying anew car. Rebates,summer closeouts, cash for clunkers, etc.
hello howard
howard i have a 30yr fixed morgage at 7.000% I owe 118,000.00 still on the loan my husband refinanced a year ago and i'm not on the loan although they tell me i am on the deed my husband passed away 7 months ago of cancer he was 49yrs young i have been making the house payments of 1,111.98 since his passing but i no longer can i have contacted my morgage company and asked them to lower my interest rate so i can lower my payments no such luck i talked to a rep of the morgage co. and she advised me to no longer make the payments and lose the house i am beside myself i just don't know what to do how long after i no longer make the payments do they come and kick my daughter and i out?the house isn't worth what is owed on it i'm so confused thank you for any advice you can give gratfully,mrsmrsbuffy
Hello,
I am looking to refi , i have a first and second morgage different banks, first morgage is for 197,00, second is for 48,000. I am looking to consolidate. The bank i chose, explained that they may be able to help. my first morgage IS 1600.00 monthly, second is 114.00 monthly, the second is a 10 yr interest only. We do not plan to be in the home for more than 10. i am 52, my husband is 55, we feel that this payment will burden us as we go into retirement.His salary is not consistantas well. We want to lower our payments, what do you suggest. The bank suggested an interest only @ 4.75%. I have 28 yrs left on the first morgage. and 9 yrs left on the interest only.I hope my explanation was clear. HELP!!!
Sincerely,
Larraine
hello howard I;m 50 years old I decided I needed to go back to school for about a year or two.The job I have is not fitting the bills anymore and I have no benefits.I have only a little saving which is in a check,will I qualify for student loans or pell grants, my present salary is under 19,000. annually,will I have to use my savings.second? which banks have the best rates for CDs.
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