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On Track, the CareOne Newsletter
IN THIS ISSUE: Protecting Yourself From the Mortgage Meltdown, Jodi M. on the Top 5 Benefits of Gardening, What You Should Know About Home Closing Costs, and More...
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Protecting Yourself From the Mortgage Meltdown

Mark Twain once famously advised, "Invest in land�they�re not making it anymore." But for millions of U.S. homeowners, these hardly seem like words of wisdom. Over the past few years, a record number of foreclosures, plummeting property values, and the subprime loan fiasco have all combined to create a nationwide housing crisis. For these reasons, it's more important than ever that Americans take cautionary steps to protect their finances and stay in their homes. Follow these 10 tips to protect yourself.

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Quick TipQuick Tip: Ask for a Full Statement of Closing Costs

If you're currently looking to buy a home, don't rely on your mortgage lender to tell you everything�especially when it comes to hidden fees and charges. Ask any potential lender for a complete list of closing costs, and add them all up so you know what you're really paying. Closing costs may include mortgage insurance, home insurance, and loan origination fees, and generally range from 3% to 8% of the total loan amount. To learn more, visit the Fannie Mae Foundation's guide to home buying, and be sure to read Understanding Closing Costs so you'll understand the fine print when it's time to sign.

Blog: Grow a Garden
img_money_mom Jodi M. explains how gardening could transform your life�physically, emotionally, and even spiritually.
Mar09StwShare the Wealth

You could win a $250 gift card just for telling us what you would have done differently if you knew the economic recession was coming. Get started now!
Planner2Budget Planner

It's important to monitor, analyze, and rebalance your budget on an ongoing basis. Use our budget planner tool to start crunching your numbers.
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Stay On Track with CareOne Resources
Ongoing Support Ongoing Support is the place where you'll find valuable tools, tips, expert advice and much more on debt and money management issues. Bookmark this page!   Debt Guide 101 Debt Guide 101 is full of free and useful information about debt management.
Debt Management Discussions Debt Management discussions are where you'll meet others like you sharing their insights and experiences.   Tip Jar Tip Jar offers you the best tried and tested tips to help you save every day.

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