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Mortgage Refinancing Help: Ethics

Don't fall for the 0% apr unless it fits in with your master plan. A lot of brokers will try to get you locked into a low interest rate that will balloon on you in a couple of years and leave you out on the street.

 

 
           
Mortgage Refinancing Help : Business: Management : Ethics (61)

 

 

 

Mortgage Refinancing TipResist "no cost" refinancing. No cost doesn't mean free. On the contrary: The closing costs are usually bundled into the new mortgage, which means you pay interest on them. The fees associated with a 30-year mortgage could cost you more than double what they would have had you simply written a check for them at closing. Or, if the costs aren't bundled in, you'll be charged a slightly higher interest rate. Either way, the lender wins.



Mortgage Refinancing Help: Ethics ()

See also:


 
Ethical Impact Business EthicsEthical Impact Business Ethics »
Information on ethical leadership and values, with an emphasis on accountability, responsibility and profitability. Also includes information on Ethics events.
 
The Ethics Institute of South AfricaThe Ethics Institute of South Africa »
Independent, non-partisan organisation that promotes and advances ethical practices in South Africa. Information on newsletter, membership, services, events and forum.
 
Ethics & Compliance Officer Association (ECOA)Ethics & Compliance Officer Association (ECOA) »
Information for managers of ethics, compliance and business conduct programs.
 
Journal of Business EthicsJournal of Business Ethics »
The standard journal for Business Ethics that every student, professor and business person should consult. Tables of contents and periodically-refreshed article samples are available at this site, as are subscription and article submission information.
 
AccountAbilityAccountAbility »
The Institute of Social and Ethical Accountability, an international organisation committed to enhancing the performance of organisations in social and ethical accountability and sustainable development. Includes news, reports, resources and dialogues on corporate accountability issues.
 
Net ImpactNet Impact »
International nonprofit inspiring, educating, and equipping individuals to use the power of business to create a more socially and environmentally sustainable world. Information on professional and students chapters, conferences, projects and resources.
 
Santa Clara University - Markkula Center for Applied EthicsSanta Clara University - Markkula Center for Applied Ethics »
Markkula Center for Applied Ethics - Business ethics subsection of the site. Provides a framework for ethical decision making and cases that raise typical ethical dilemmas confronted by young people.
 
Starting Points in Business EthicsStarting Points in Business Ethics »
Provides suggested readings as a starting point in learning about business ethics.
 
Institute of Business Ethics in LondonInstitute of Business Ethics in London »
Information and links, primarily in Europe.
 
American National Business Hall of FameAmerican National Business Hall of Fame »
A nonprofit business ethics organization that honors exemplary business leaders and educates students and business groups on their visionary management methods. Includes education and research programs, and an academic Journal.
 
Society for Business EthicsSociety for Business Ethics »
International organisation of academics conducting research in business ethics. Information on mission, newsletter, events, membership and quarterly journal.
 
Institute for Business and Professional Ethics -- DePaul UniversityInstitute for Business and Professional Ethics -- DePaul University »
Links, publications and other resources from forum to encourage ethical deliberation in decision-makers by stirring the moral conscience and imagination.
 
CSR Data NetworksCSR Data Networks »
Portal on corporate social responsibility information. Includes news, articles, tips, chat, events and newsletter. Based in UK.
 
National Ethics BureauNational Ethics Bureau »
Promotes consumer confidence by providing unbiased verification of business credentials and confirmation of ethical conduct for professional advisors nationwide.
 
MHC International LimitedMHC International Limited »
A European based firm promoting social development and corporate social responsibility, business ethics.
 
Center for Ethical Business CulturesCenter for Ethical Business Cultures »
Research group assisting business leaders in creating ethical and profitable business cultures at the enterprise, community, and global levels. Site provides overview of research areas, publications and topical papers, appearances in the news, and related links.
 
Vasin, Heyn & CompanyVasin, Heyn & Company »
A CPA and management consultant firm specializing in social responsibility audits, with informational articles online detailing how to perform social responsibility audits.
 
Caux Round TableCaux Round Table »
An international network of business leaders working to promote a moral capitalism.
 
International Business Ethics InstituteInternational Business Ethics Institute »
Fostering Global business practices which promote equitable economic development, resource sustainability and just forms of government.
 
Center for Ethics and BusinessCenter for Ethics and Business »
An academic site for discussing issues related to conducting business ethically.
 
Centre for Social MarketsCentre for Social Markets »
Non-profit organization promoting responsible entrepreneurship, business ethics, accountability, sustainable development, and human rights. Information on services, membership, research and publications. Offices in India and the UK.
 
Complete Guide to Ethics ManagementComplete Guide to Ethics Management »
An Ethics Toolkit for Managers
 
The Prudential Business Ethics Center at RutgersThe Prudential Business Ethics Center at Rutgers »
Supports conferences, lectures, courses and research to provide a grounding in ethics for the business community. Details of events, research, press coverage and news. Based in New Jersey.
 
Centre for Business and Public Sector EthicsCentre for Business and Public Sector Ethics »
Academic research centre using its own lateral methodology to look at complex ethical, social and environmental issues. Details publications, research, staff and associates. Based in Cambridge.
 
Institute for Global EthicsInstitute for Global Ethics »
an independent, nonprofit, nonsectarian, and nonpartisan organization dedicated to promoting awareness and discussion of global ethics.
 
The Center for Business EthicsThe Center for Business Ethics »
Located at the University of St. Thomas, Houston. Details of events, director, research programs, Hugo Mann ethics contest and working papers.
 
Jewish Business Ethics: An Introductory PerspectiveJewish Business Ethics: An Introductory Perspective »
This article deals with the subject of business ethics from the perspective of Jewish Law.
 
BRASSBRASS »
Centre for business relationships, accountability, sustainability and society at Cardiff University. Research centre with online resources including reports, news and website links.
 
The Canadian Centre for Ethics & Corporate PolicyThe Canadian Centre for Ethics & Corporate Policy »
An independent ethics centre, working with businesses and with other organizations involved in business ethics, building programs and addressing current issues
 
Council of Ethical OrganizationsCouncil of Ethical Organizations »
A non-profit, non-partisan organization promoting ethical and legal conduct in business, government and the professions. Details of events, membership, publications and services.
 
BusinessEthics.caBusinessEthics.ca »
Clearing house for business ethics resources, both Canadian and international. Includes articles, case studies, consultants and news.
 
The London Benchmarking GroupThe London Benchmarking Group »
A group of international businesses who are seeking to manage, measure and report on their involvement in the community. Details of members, benchmarking model and membership.
 
Darden School of Business - The Olsson Center for Applied EthicsDarden School of Business - The Olsson Center for Applied Ethics »
The Olsson Center for Applied Ethics - Academic center for the study of ethics. Serves as a critical resource for executives, scholars, students, and Darden alumni who are working to integrate ethical thinking into business decision-making.
 
Business Ethics at WhartonBusiness Ethics at Wharton »
Comprehensive list of ethics resources including articles and research papers. [Some content requires free registration]
 
Ethics Resource Center  (ERC)Ethics Resource Center (ERC) »
A nonprofit organization working to be a catalyst in fostering ethical practices in individuals and institutions through programs and publications in business and organizational ethics, global integrity and character development.
 
Horizon AssociatesHorizon Associates »
Company that helps organisations formulate and install practical ethical policies to protect them from fraud. Includes ethical guidance and advice.
 
Center for Business Ethics at Bentley UniversityCenter for Business Ethics at Bentley University »
Provides an international forum for the advancement of business ethics. The Center is committed to developing strategies for ethical business conduct and providing a bridge between theoretical research and practical business activity.
 
Ethics UpdatesEthics Updates »
Designed primarily to be used by ethics instructors and their students. It is intended to provide updates on current literature, both popular and professional, that relates to ethics. Moral Theory and Applied Ethics: Ethical Relativism, Bioethics, Euthanasia, Religion, Gender Equality, Racial Equality, Sexual Orientation, Poverty, World Hunger, Virtue Ethics, Animal Rights, Environmental Ethics and Military Ethics.
 
Business for Social ResponsibilityBusiness for Social Responsibility »
Organization for businesses interested in ethical conduct and policies that allow commercial success.
 
European BahaEuropean Baha'i Business Forum »
A global, professional non-profit association promoting moral and ethical values in business. EBBF vision is to enhance the well-being and prosperity of humankind.
 
EthikosEthikos »
Bi-monthly publication that examines ethical and compliance issues in business, using case studies about corporate ethics and compliance programs. From Rutgers University.
 
The Defense Industry Initiative on Business Ethics and ConductThe Defense Industry Initiative on Business Ethics and Conduct »
A consortium of U.S. defense industry contractors which subscribes to a set of principles for achieving high standards of business ethics and conduct.
 
The Institute for Business, Technology and EthicsThe Institute for Business, Technology and Ethics »
Seeks to promote good business through appropriate technology and sound ethics. Details of bi-monthly newsletter, membership, corporate sponsors and ethical checklists.
 
Corporate Ethics and International BusinessCorporate Ethics and International Business »
Novartis Foundation for Sustainable Development (NFSD) article about international business ethics and the responsibilities of modern corporations to society.
 
BizEthics.orgBizEthics.org »
Resource for information about Business Ethics, Corporate Social Responsibility, and Environmental Sustainability Issues.
 
Seeing Things WholeSeeing Things Whole »
Non-profit network working to bridge the gap between faith and organisational life. Includes essays, research, news and downloadable resources.

 


 
      


Mortgage Refinancing TipIf you are able to get a lower rate that what you currently have, you can save tens of thousands of dollars over the life of your loan. Also, most lenders don't charge as many fees to refinance a mortgage and depending on how much equity you have in your home you may be able to roll the closing costs into your new loan, still have a lower balance than your original loan, a lower rate, and a lower payment.
 

Mortgage Refinancing TipAsk the lender or broker for a comparison of the up-front costs, principal, rate, and payments with and without this rate trade-off.
 

Mortgage Refinancing TipHomeowners who want to refinance but can't because they owe more on their home than their home is worth (also known as "upside down") should focus their time and energy on making more money. Adding a part-time job or starting a side business will bring extra income into the household, income that can be used to make extra payments a mortgage.
 

Mortgage Refinancing TipRefinancing is not the only way to decrease the term of your mortgage. By paying a little extra on principal each month, you will pay off the loan sooner and reduce the term of your loan. For example, adding $50 each month to your principal payment on the 30-year loan above reduces the term by 3 years and saves you more than $27,000 in interest costs.
 

   

   


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