Ilyce Glink, ThinkGlink.com
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Ilyce

About Ilyce Glink

Ilyce Glink is an award-winning, nationally-syndicated columnist, best-selling author, and radio and television personality. She is the best-known consumer advocate for home buyers, sellers, and owners, and her content touches millions of readers, viewers, and listeners each week. She was the Founder of an employee benefit that companies provide that helps employees measure financial stress, then dials it down with a unique content mapping system. She is also the Founder/CEO of Think Glink Media, a digital content agency, and the Publisher of ThinkGlink.com. Listen to Ilyce on WGN Radio each week, follow her on Twitter, and sign up for the ThinkGlink free weekly newsletter, in the blue box at the bottom of this page.
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RightSizing Your Finances in 2010

By | January 28th, 2010|


During the 1990s and 2000s, people worked on the assumption that bigger was better. But was it? Now people have to deal with the consequences of their spending habits and borrowing demands. Now the advice needs to be on RightSizing Your Finances. That is looking at your budget, your finances, your home, and your family and deciding what is right for you. You may need to cut back on expenses, luxuries, and discretionary spending but figure out what is important to you.

Mortgage Home Loan Modification Programs When You Can’t Afford Your Payments

By | January 28th, 2010|


You might think that if you can't afford your current mortgage payments that the first thing you should do is run to your lender and try to get a loan modification. But that may not be the right thing to do. You need to understand what your payments are on your loan before you can get a loan modification. If your payments have gone up because your insurance and real estate taxes have gone up, your lender may not be able to give you a loan modification. You might not even qualify for a loan modification under the Obama Home Affordable Modification Program or for any of the other loan modification plans.

Refinancing A Mortgage Loan Without A Job

By | January 26th, 2010|


As the real estate market worsened, mortgage underwriting requirements went from loose to tight. Now, getting a real estate mortgage is more painful than having a tooth pulled. If you don't have a job, you had better have other steady income that you can use for your loan application. These days lenders go down their checklist looking for each item to check off. One of those items is a job. If you don't have a job, you probably won't be able to get a loan. If you are between jobs, you might have to start the job in order to move a loan application down the line.

Foreclosure And Your Credit Score

By | January 26th, 2010|


If you think you can save your credit history and credit score when you go through a foreclosure, short sale or other arrangement with a lender in which the lender does not get paid in full the debt owed, you're in for a bad surprise. Foreclosures, short sales or deed-in-lieu of foreclosure will all blemish your credit history and cause your credit score to decrease substantially. Lenders do report foreclosures, short sales and deed in lieu to credit reporting companies and this reporting will cause you to go from good credit to bad credit fast. Even if you take on more credit card debt or manage other credit well, if you miss payments on a mortgage loan or you go into foreclosure with your mortgage loan, the credit hit you take will be huge.

Mortgage, Credit Card, Car Loan, And Other Debt Payments Have Changed The Real Estate Landscape

By | January 25th, 2010|


Mortgage, credit card, car loan and all other forms of debt have changed the real estate market and the outlook for real estate for 2010 and beyond. As people view the real estate market differently, real estate trends are pointing south. To say the least, real estate trends are not going in the direction they were just a couple of years ago. More and more homeowners and former homeowners are coping with changes in their lives. Rightsizing Your Finances (TM) is the way to go in 2010.

Short Sale Might Not Be Possible When You Have Money To Pay Your Bills

By | January 25th, 2010|


A short sale of real estate is intended for people that can't pay the amount owed on their property upon the sale of the home. A short sale occurs when you sell a property for less money that what is owed to the lender. If you have money to pay off the lender, the lender may not agree to a short sale and might require the owner to come to the closing with the amount needed to pay off all of the amounts that may be owed as a result of the sale, including the lender, the real estate brokers and anybody else that might be owed money from the sale of the home.

Ilyce Glink Show Notes – January 24, 2010 – How to Invest Your Money, Taxes, and Scams

By | January 24th, 2010|

Ilyce Glink Show Notes - January 24, 2010 - How to Invest Your Money, Taxes, and Scams. FBI Scam alerts for Haitian scams, counterfeit check scams and mystery shopper scams. HOW TO INVEST YOUR MONEY IN 2010 - Information and ticket discount details. FREE BOOKS and EBOOK SPECIAL. Today's show callers asked a lot of questions about their taxes.

Ilyce Glink Show on WSB Radio – January 24, 2010 – How to Invest Your Money, Taxes, and Scams

By | January 24th, 2010|

How to Invest Your Money, Taxes, and Scams. FBI Scam alerts for Haitian scams, counterfeit check scams and mystery shopper scams. HOW TO INVEST YOUR MONEY IN 2010 - Information and ticket discount details. FREE BOOKS and EBOOK SPECIAL. Today's show callers asked a lot of questions about their taxes.

Clark Howard Show Notes – January 19, 2010 – Investing And The Economy

By | January 24th, 2010|

Clark Howard Show Notes - January 19, 2010 - Investing And The Economy. FBI alert on fraudulent Haitian scams. Don't forget to sign up for our How To Invest Your Money in 2010 event on March 27, 2010. Also, FREE BOOKS and EBOOK SALE!

FBI Warns Of New Twist In Counterfeit Check Scam

By | January 21st, 2010|

FBI Warns Of New Twist In Counterfeit Check Scheme Counterfeit check schemes involving the wiring of money to a bank account overseas have been frequently reported to the FBI. The FBI now warns of a new twist in counterfeit check schemes where the fraudulent client emails as an an ex-wife in an Asian country soliciting a U.S. law firm's assistance in recovering divorce settlement funds.

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