Author: Felecia Roberts

A Rall Estate Investment Trust is a security that uses investors’ money to purchase and invest in managed real estate. Investors realize many of the tax advantages of owning real estate. Instead of outright purchase of real estate, which requires a lot of capital and makes you responsible for repairs, upkeep and rent collection, REIT’s give you the opportunity to pool your money with other investors, participate in a diversified portfolio of properties, and passively receive rental income.

Since their inception, REIT’s have offered outstanding returns for investors, and represent the easiest and most liquid way to participate in the real estate markets. Most REIT’s payout a much higher level of dividend income than most other investments. Many investors use REIT’s to diversify their overall portfolios, which also contain stocks, bonds and precious metals. REIT’s are available for rental properties, timber, commercial real estate and many other types of real property investments.

Death is not something that people want to think about, but it is a reality that faces us all at some time. A lot of business is left behind when one dies and does not take care of their affairs ahead of time. Mortgage life insurance can keep one of those worries off the table for you. It pays off the balance of your mortgage if you die.

The major upside to mortgage life insurance is that it takes care of this major expense in the event of your death, and that means that those who are left behind can have a little less to worry about in their time of grief. One must weigh the pros and cons of purchasing the insurance and the benefits it provides against the premiums that must be paid.

Merged credit reports are particularly common in mortgage lending. Because there are three major credit reporting bureaus, it’s possible that pulling a report from only one or two of these companies may not show a complete picture of your financial situation. By utilizing a merged or tri-merge credit report, mortgage lenders can access all of the financial information you have on file which helps the lending bank to decide the specific terms of your home loan or whether to even offer you a loan at all. This merged credit report can be obtained from any of the three major credit bureaus and will only contain the same information that is already shown on at least one of your credit reports with Experian, Equifax or TransUnion.