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FHA loans give many access to mortgages that they couldn't otherwise get. These products do make it easier for many to qualify for lending but come with some conditions.

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Instead of setting New Year's Resolutions, resolve to accomplish a goal within the first few days or weeks of the New Year.

For Leon Shirman the financial crisis has not changed his long-term investing philosophy. His "42 Rules of Sensible Investing" is a must-read for recession investing.