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Is the down payment really holding you back from buying a home?

(Part II in a series on buying a home) There is a prevalent belief that you need a down payment of 20 percent to purchase a home. This is not the case, even for a conventional mortgage loan. Depending on how much house you are buying and whether you qualify for certain programs, you may only need 10 percent, 5 percent … or no down payment at all.

Political pillow talk can doom marriages

You can make a marriage work when one spouse is a diehard Yankees fan and the other cheers for the Mets (or even the Red Sox).  It’s never “just sports” to a true fan, but most couples can keep it all in perspective.

Avoid scary surprises when it comes to Halloween and a co-parent

Halloween is often overlooked when it comes to divorce and shared parenting. It’s not considered one of the major holidays (at least not by the adults). But as the day approaches, that failure to account for Halloween can lead to drama and disputes for divorced parents.

What changed in New Jersey’s alimony reform?

When the legislature and Gov. Christie amended New Jersey’s alimony statute in 2014, it was a game-changer. It brought predictability and sanity to a system that was at times arbitrary or unfair. The new rules aren’t perfect and are not always welcome news to divorcing spouses. Some think the reforms went too far, others not far enough.

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