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Personal Finance News 04/2012



business people 4/1
Charity Hallof has been hired by Gate City Bank as a personal loan officer at its Devils Lake office. A Bismarck High School graduate, she studied business management at North Dakota State University. Robin Thompson Gordon has become an an associate ...

Personal Finance: Treasury emphasizes Web-based savings bond sales
By Claudia Buck When it comes to socking away savings, most people think of their bank accounts, their 401(k)s or their stocks. Or maybe what they've stuffed in a shoebox or under the mattress. The federal government is hoping more consumers will ...

Mortgage rates may have struck bottom at last
The average homeowner paid an effective mortgage rate of 5.18 percent in the fourth quarter last year, according to the Department of Commerce, more than a full percentage point above the best rates available today. The difference between a mortgage at ...

AL RAJHI BANK : Win Back Your Finance
Al Rajhi Bank launched a unique promotion for its customers all over the Kingdom whereby every business day, a customer could get the Personal Finance he took paid back to him. The Bank set the amount of SR 85000 as the maximum limit of paid back ...

In Land of No Loans, Consumer Debt Mounts
When Reem Muhammad sought a personal loan to pay off some lingering debts, a Saudi bank offered 100000 riyals ($26667). The price tag? Repayment of the loan, plus 33000 riyals. “I took the loan and repaid it, but I never knew what the 33000 was for ...

Banks are still under pressure, says ABA
AUSTRALIA'S big four banks will be cautious about future mortgage rate rises despite still being under funding pressure, says Stephen Munchenberg, the chief spokesman for Australia's banking industry. Speaking on the Australian Business program on Sky ...

Why You Should Never Co-Sign For Your Kids
After all, this is essentially what you're doing when you co-sign, except that a personal loan will protect your credit if the loan is not repaid. You could also lend your child $500 to help them get a secured credit card, or “seed capital” to put ...

EXPERT RESOURCE: Personal Finance Security Expert Resource Available to Media ...
EXPERT RESOURCE: Personal Finance Security Expert Resource Available to Media ...

EXPERT RESOURCE: Personal Finance Security Expert Resource Available ...
EXPERT RESOURCE: Personal Finance Security Expert Resource Available ...

Superheroes also urge kids to save
By Steve Rosen “Avengers: Saving the Day” offers personal finance lessons in a special 16-page edition. (Marvel Comics) When it comes to money smarts, Tony Stark knows what he's talking about. Who's Tony Stark? Hint: He's a megagazillionaire who fights ...

5 credit cards you won't find anywhere else
Marketing chiefs attended presentations from regional banks, retailers and credit unions, all clamoring to launch the next big personal finance trend. Based on CardRatings.com's exclusive interviews with attendees who spoke on condition of anonymity, ...

Current Mortgage Rates Today – Loan Rates Trending Lower Again at HSBC and PNC
(Best Syndication News) Mortgage interest rates continued to fall this week after some of the benchmarks trended lower (see the mortgage rate charts below). HSBC and PNC were among the lenders lowering their interest rates. Stocks advanced about one ...

You Should Keep Tax Records — But How, And For How Long?
Personal finance experts recommend keeping most records for three years after they're used in a tax return. A pile of IRS Form 1040 tax documents is seen in this file photo. Personal finance experts recommend keeping most records for three years after ...

Personal Finance 101: Learn about bonds, then meet with financial adviser
GROTON'S, Va. -- His house is gone, his portrait burned, his farm divided and sold years ago. PRINCESS ANNE -- The fine arts program at the University of Maryland Eastern Shore has grown by... What are the differences between US government bonds, ...

Personal Finance 101: Learn about bonds, then meet with financial adviser
What are the differences between US government bonds, corporate bonds and tax-free municipal bonds? As noted last month, our goal for these "101" columns is to write a series of educational and informative pieces about those many financial instruments ...

Social Impact Innovation Company Redefines Financial Education With Traveling ...
Social Impact Innovation Company Redefines Financial Education With Traveling ...

The Co-operative Bank raises standard variable mortgage rates
The Bank of Ireland has announced it will raise its standard variable rate in two stages; from 2.99% to 3.99% in June and then again in September to 4.49%. Santander has followed the lead of Halifax and RBS in raising the cost of borrowing on some ...

In land of no loans, consumer debt mounts
Riyadh, Saudi Arabia (The Media Line) – When Reem Muhammad sought a personal loan to pay off some lingering debts, a Saudi bank offered 100000 riyals ($26667). The price tag? Repayment of the loan, plus 33000 riyals. “I took the loan and repaid it, ...

Co-op Bank to raise mortgage rate
The Co-operative Bank will raise its standard variable mortgage rate (SVR) by 0.5 percentage points from 1 May. The rate, which sets monthly payments for 54000 mortgage borrowers, will go up from 4.24% to 4.74%. The average increase in cost for these ...

Brits STILL paying off Christmas credit card debt
A further 14% are still making credit card repayments, personal loan payments or paying off their overdraft to cover Christmas costs. Fewer of the older generation are in the red because of the festivities, however some 9% of over 45 year olds are ...

Debt Consolidation Loans Not Always the End of Debt, Create a Plan for No Debt ...
Debt Consolidation Loans Not Always the End of Debt, Create a Plan for No Debt ...

Monday's Personal Finance Stories
By MarketWatch With the vacancy rates for apartments dropping and rents increasing, it's a landlord's market. Amy Hoak writes in her Home Economics column today about ways would-be renters can find an edge in the competition for apartments, ...

Mortgage Rates: Mortgage Rates Continue Low Trend After Mixed Reports
For some borrowers who are underwater, Harp 2.0 is now available for refinancing to a lower mortgage rate if the original mortgage is held by Fannie Mae or Freddie Mac. Borrowers are not required to use their original lender or servicer, but can choose ...

Debt Consolidation Loans Not Always the End of Debt, Create a Plan for No Debt ...
Debt Consolidation Loans Not Always the End of Debt, Create a Plan for No Debt ...

RBA flags May rate cut
The average standard variable mortgage rate is 7.4 per cent, up from 7.3 per cent in December 2011. Australia's official interest rates are among the highest in the developed world. The official cash rate is 0.5 per cent in the UK, 0.25 per cent in the ...

'Strategic' mortgage defaults on the rise
By Charlie Weston Personal Finance Editor UP TO one in five of those in arrears on their mortgages is deliberately not paying in the hope that their bank will write down their debts, a controversial new report claims. The number of "strategic" ...

'Strategic' mortgage defaults rise as borrowers hope for write-down
By Charlie Weston Personal Finance Editor UP TO one in five of those in arrears on their mortgages is deliberately not paying in the hope that their bank will write down their debts, a controversial new report claims. The number of "strategic" ...

Bay Area Mortgage Broker AccessBanc Mortgage Says March Federal Reserve ...
Bay Area Mortgage Broker AccessBanc Mortgage Says March Federal Reserve ...

New Personal Loans 101 Financial Literacy Initiative to Educate Underbanked on ...
New Personal Loans 101 Financial Literacy Initiative to Educate Underbanked on ...

Mortgage Rates Drop Attracting Renewed Interest From Consumers According To ...
Mortgage Rates Drop Attracting Renewed Interest From Consumers According To ...

Ride the stock market tide to a personal finance package
The time is probably ripe for a personal finance piece aimed at savers and investors. As I always say, you can find an angle on this type of story even if you're not a full-time money writer. There's technology (apps, online DIY investing) or real ...

Research and Markets: What Consumers Want: Mortgages and Personal Loans in ...
Research and Markets: What Consumers Want: Mortgages and Personal Loans in ...

Financial Literacy Survey Exposes Significant Gaps in Grasp of Personal ...
Financial Literacy Survey Exposes Significant Gaps in Grasp of Personal ...

Advisers who look out for number one (themselves)
The best of the web on money, markets and all things financial, as chosen daily by Globe and Mail personal finance columnist Rob Carrick. An undercover operation carried out in the Boston area a few years ago shows how investment advisers can put their ...

Depositors forgotten in rate debate
The hammering the banks receive when interest rates rise could understandably lead people to think that the only interest rate that matters is a mortgage rate, and that the majority of Australians are mortgage holders. But a considered investigation ...

Description: Deneen Bernard, a certified mortgage planning specialist with ...
Description: Deneen Bernard, a certified mortgage planning specialist with ...

BMO Donates $25000 to Red Cross Relief Efforts in New Brunswick and Announces ...
BMO Donates $25000 to Red Cross Relief Efforts in New Brunswick and Announces ...

Can you manage your money? A personal finance quiz.
A New York departmental store worker checks for counterfeits as she counts large denomination bills. (REUTERS/Eduardo Munoz) Are you financially literate enough to manage your own money? Teenagers say less than half of their families have had a ...

Mortgage Rates Drop Attracting Renewed Interest From Consumers According To ...
Mortgage Rates Drop Attracting Renewed Interest From Consumers According To ...

30-Year Fixed Mortgage Rate Continues to Slide for Second Consecutive Week ...
30-Year Fixed Mortgage Rate Continues to Slide for Second Consecutive Week ...

Fund Offers Incredibly Low Interest Rate on 30-Year Fixed Mortgage
“This is a great mortgage rate and one of the lowest in the Housing Development Fund's history,” stated Fund Acting Executive Director Erica Boggess. “We are extremely pleased with this interest rate and realize that it is a truly unique opportunity ...

Dear Tricia: Expert help for your business and personal finance queries
You featured my hairdressing and hair extensions business in January last year. Since then things have been going great. I finished my hairdressing Level 2 course and I've set up a dedicated hair extensions studio in Liverpool. I'm so busy specialising ...

Personal Finance: Cost basis reporting causing angst on taxes
Thanks to the Emergency Economic Stabilization Act of 2008, custodians now are required to report information to the IRS regarding acquisition date and cost [hence gains and losses] for a wide variety of investments. Reporting for stocks began in 2011, ...

Absa offers money back to good clients
This will be done through its personal loan cash-back offer. "The personal loans cash-back offer is now a standard feature on all personal and micro-loan products (and) is not limited to a campaign period," he said. Rather than being seen as an ...

Good investing starts with good information sources
I have spent more than 25 years in the personal finance field in various capacities -- as a faculty member, a consultant, and a writer of books and articles. I read as many new books as I can, as well as all the major magazines and newspapers that ...

Current Mortgage Rates Today – Wells Fargo and US Bank Among Lenders Making ...
Current Mortgage Rates Today – Wells Fargo and US Bank Among Lenders Making ...

Newk's Express Cafe comes to Springfield
Personal Finance Company recently opened its doors in Springfield, according to a press release from the company. Personal Finance Company was founded in 1937 and has more than 116 offices in several states. Located at 1730 E. Republic Road, Ste R, ...

HSH.com Weekly Mortgage Rate Radar: Mortgage Rates Buck Recent Increase
HSH.com releases its latest Weekly Mortgage Rate Radar showing a decline in mortgage rates from the previous week. The Weekly Mortgage Rate Radar reports the average rates and points offered by lenders for the two most popular types of mortgages, ...

HSH.com Weekly Mortgage Rate Radar: Mortgage Rates Buck Recent Increase
HSH.com releases its latest Weekly Mortgage Rate Radar showing a decline in mortgage rates from the previous week. The Weekly Mortgage Rate Radar reports the average rates and points offered by lenders for the two most popular types of mortgages, ...

FLASH: Berenberg initiates buy on International Personal Finance, target price ...
FLASH: Berenberg initiates buy on International Personal Finance, target price ...



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