If you are a couple that has done everything right and have reached a point in life that you just want to enjoy the rest of your life without any worries and responsibilities, then you have earned it. Not many couples reach this point because there is always something left to be done, and sometimes it is for the sake of children on grandchildren. If you have been financially responsible most of your life, one option to enjoy the last phase of your life is to take out a reverse mortgage, but be careful, the fees can be extremely high since the lender is making a wild guess about how long you will live. Watch the video to find out what to be careful about.

The problems in the sub-prime mortgage business means that everyone has to suffer, even people with high credit score, stable income, and a solid savings account. It can be difficult for some people on the margin to find a mortgage or refinance their existing mortgage, but if you follow the tips in this video, you can still come out on top. The important thing is to keep your credit history clean, be very careful about paying bills on time as you get to the point to refinance, and then do your research. Start online and then pick up the phone to make the calls. The more information you are armed with, the better you will be able to negotiate.

A few years ago when interest rates were low, a lot of us got ARM loans that were set to expire in 5 or 7 years. At that time, we did not expect that there would be a war or that economy will change so much that the interest rates will go up this high. Now is the time that these interest rates are reseting and for some people that monthly mortgage payment may go up significantly.

While the Fed may cut interest rates if the economy really starts to hurt, but don't count on it. Plus, the Fed tends to cut rates in 0.25 or at the most 0.50 increments. In other words, it can take a lot of time before we see a real drop.

So should you refinance your home mortgage? Generally it is a good idea and to tell us how to do it right, here is a good video from Andrea Coombes.

Whether you are single (why don't you join our free dating website) or in a relationship, your personal finances should be healthy. As couples it is even more important to keep your money issues resolved since money can be a big reason for friction. In order to keep your money matters in control, you have to look at your credit score carefully, since it affects your borrowing ability: how much can you borrow and at what interest rate.

So how can you achieve a high credit score?

Watch this excellent video to learn a few simple things that if you do over a period of time, you can save a lot of money in the long run.

Tips for abused women with no money

Maggie is an abusive relationship that is wearing her down. Plus, she does not see a way to get out of it easily. "My boyfriend is physically and emotionally abusive to me. I do work but make so little money that I cannot live independently. He provides a roof over my head and reminds me that every day. I am so miserable and I have to leave, but how?" (Related: How to leave an abusive relationship)

I am sorry to hear that you are going through such pain. Here are a few options to explore:

1. Ask a friend to help you move out and take you in for a couple of months as you try to build your life again.
2. No matter how you do it, try to cut down your expenses and definitely save some money each month - take another job if you can. Try to become independent as soon as possible and then leave this man. (Related: Tips for abused women)
   
3. If none of this is possible, just look into your phone book under women's shelters and give them a call. There are many organizations that support women like you - they maybe able to provide housing for you for a while as you try to become independent.