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Few details revealed about 2011 Nevada budget

Gov.-elect Brian Sandoval and his transition team remain tight-lipped about specifics on a spending plan for the 2011 Legislature.

Official portrait of governor unveiled

CARSON CITY — A $20,000 portrait of Gov. Jim Gibbons was hung on a wall near the entrance of the state Capitol on Friday, with the soon-to-be ex-governor nowhere in sight.

Give Yourself Credit

The numbers couldn’t align better: Mortgage rates not seen since the middle of the last century and some home prices lowered back to the beginning of this one.

Paying a Premium

We’re buying a property with a sale price of $250,000 with 30 percent down. If we finance with an FHA loan do we still have to pay mortgage insurance?

Jumbo Jumping

Jumbo mortgages were much easier to come by before the housing crisis erupted and home values began to fall. Following these events, jumbo loan interest rates jumped and lenders tightened their restrictions on applicants. Consequently, only approximately 5 percent of total mortgages issued in the last two years were jumbo loans, compared to as much as 20 percent from 2004 to 2007.

Couponers, Put Down the Scissors!

During the past couple of weeks, I’ve shared some of the ways that expert coupon shoppers plan shopping trips. They only buy an item when its price hits a low point in the store’s 12-week pricing cycle. They use grocery list matchup websites to view a detailed list of what products are cycling low in price during the current week at their stores of choice. And – this one will surprise you – they don’t cut coupons out of the paper.

Give Yourself Credit

The numbers couldn’t align better: Mortgage rates not seen since the middle of the last century and some home prices lowered back to the beginning of this one.

Paying a Premium

We’re buying a property with a sale price of $250,000 with 30 percent down. If we finance with an FHA loan do we still have to pay mortgage insurance?

:)