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Personal Finance News 12/2012



HSBC launches lowest ever two-year fixed-rate mortgage
She said: "It's great to see a mortgage deal that breaks the 2% barrier. However, applicants do need to take into consideration application fees and other costs and not just the mortgage rate. "Tesco Bank pulled their direct 1.99% two-year fixed deal ...

30-Year Mortgage Rate Deal of the Day: Western Sun Federal Credit Union at ...
30-Year Mortgage Rate Deal of the Day: Western Sun Federal Credit Union at ...

30-year mortgage rate ticks up
30-year mortgage rate ticks up. December 01, 2012. WASHINGTON - Average U.S. rates on fixed mortgages stayed close to record lows this week, a trend that has made home buying more affordable and helped the housing market recover. Mortgage buyer ...

How to eradicate the flu
Also in our latest Personal Finance pages, see how to save on holiday shipping and learn which 10 states drink the most beer, according to the Beer Institute. —Amy Hoak, assistant editor. What would wipe out the flu? Experts say more shots could ...

Mortgage Rates : 12 Consecutive Months Below 4.00%
... alerts, or subscribe to the RSS feed in your browser. Freddie Mac's weekly mortgage rate survey shows that 15-year fixed rate mortgage rates and 30-year fixed-rate mortgage rates ticked higher this week, but only slightly; and remain near record ...

Personal Finance: Credit card penalty payments are arriving
In coming weeks, more than $425 million in refunds and restitution is going out to millions of consumers nationwide, thanks to a recent round of crackdowns on deceptive credit card practices. And another $410 million – from Bank of America – is already ...

Fund service providers must measure up
What is of even more concern is that Riscura chief executive Jarred Glansbeek refuses to answer legitimate questions put to him by Personal Finance. His answers would enable retirement fund members to assess properly whether or not asset managers and ...

Your personal financial audit
The importance of reviewing your financial affairs cannot be overemphasised, and the rewards for doing so are enormous, Andrew Bradley, chief executive officer of Old Mutual Wealth, told the recent series of meetings of the acsis/Personal Finance ...

Home curbs spark mortgage war
Sources said Citibank - the fifth biggest mortgage lender in SAR - is set to cut its Hibor-based mortgage rate to H+1.7 percent, from H+2.5 percent. The one-month Hong Kong Interbank Offered Rate stood at 0.28 percent as of yesterday. That means, after ...

TorontoMortgageSite.com Announces Its Lowest 5 Year Fixed Mortgage Rate ...
TorontoMortgageSite.com Announces Its Lowest 5 Year Fixed Mortgage Rate ...

Personal Finance: Dividend stocks risk a drop as 'fiscal cliff' approaches
Peter Tuchman, a trader with Quattro M Securities, works from a handheld computer during the first day of trading at the New York Stock Market on Tuesday, Jan. 3, 2012. The Dow Jones industrial average soared 200 points, or 1.7 percent, to 12,423 in ...

PNC Bank Still Behind on Mortgage Rate Quotes
PNC Bank Still Behind on Mortgage Rate Quotes. December 3, 2012 By Ray Jones. PNC Mortgage The best rates for mortgages are hovering just above 3.00% for basic 30 year loans at many of the big lenders across the country. However 30 year loan deals ...

Carnival Of Personal Finance: Remembering John Lennon Edition
So, in remembrance of that awful day in December of 1980, we honor Lennon and his bandmates in the Carnival of Personal Finance. Here are the best money-related blog posts from around the Web from this past week. (Thanks to my fellow editors, Laura ...

Suze Orman, Dave Ramsey, and 10 Other Personal Finance Experts Battle for ...
Suze Orman, Dave Ramsey, and 10 Other Personal Finance Experts Battle for ...

HSBC offers lowest mortgage rate ever for its consumers
HSBC has announced for new fixed rate on mortgage lending at 1.99%. This is lowest rate announced by HSBC ever available for two year fixed rate on mortgage payments. Borrowers can access this deal with a 40% deposit or equity which is ensure to ...

Keeping gold and silver coins safe
Save money by buying gift cards through exchanges where they sell for a lower face value, says personal finance expert Lynnette Khalfani-Cox. Play. NEXT. BACK. Shop for the holidays, debt free. Control holiday spending by creating a budget and setting ...

Monday Morning Interest Rate Update (December 3, 2012)
Trying to predict the timing and direction of future mortgage-rate changes is like trying to guess how a jig saw puzzle will look when you can only see half of the pieces at any point in time and when the underlying (economic) picture itself is ...

How do I keep silver coins safe?
Control holiday spending by creating a budget and setting aside the total amount you plan to spend, says personal finance expert Lynnette Khalfani-Cox. Play. NEXT. BACK. 'Don't believe the Black Friday hype'. Personal finance expert Lynnette Khalfani ...

Banks Making Up For Bad Old Mortgages By Charging More For Good New Ones
This worry isn't at the top of my personal list – my mortgage rate is low enough I guess? – but it seems to make many other people's list for two intersecting reasons. First, if the primary desire of Fed policy is to get people to buy houses, be rich ...

Just add items to create a portfolio now:
... find out how long a foreclosure takes to process in your state. Plus, see the 10 things that cable companies won't tell you and check out a Rex Nutting column on how to fix Medicare right away in today's Personal Finance Daily. — Amy Hoak ...

Understanding 401(k) Fees
Understanding 401(k) Fees - Scoop San Diego: Personal Finance: financial economics, financial services, labor, business_finance, investment · Advanced Search · Cloudy · 66° · Cloudy · Home · e-Edition · Subscription Services · Submission Forms · Site ...

15-Year Mortgage Rates Deal of the Day: Atlas Bank at 2.87%
... on a borrower's ability to also secure a mortgage loan at an affordable rate. Atlas Bank believes in providing its customers with the best mortgage rates on the market. Currently, the financial institution is offering a very competitive 2.87 ...

Mortgage Rates: Low Mortgage Rates Remain Firm as Construction Spending ...
Mortgage Rates: Low Mortgage Rates Remain Firm as Construction Spending ...

Fed Attempts To Quantify Why Mortgage Rates Lag MBS Improvements
William Dudley, the Bank's president told participants the bank had organized the workshop because the topic of the primary-secondary mortgage rate spread is important for current efforts by the Federal Open Market Committee (FOMC) to foster faster ...

Variable-rate still the cheaper mortgage option
It may just be that people are more open to five years of interest rate certainty than they were before as a result of all the financial and economic ups and downs of recent years. The premium for mortgage rate certainty is minimal right now, and thus ...

How to save R2000 by Christmas
Danelle van Heerde, head of advice processes and tools at Sanlam Personal Finance, offers a few interesting and effective ways to cut costs quickly and easily in the lead up to Christmas: 1. Buy meat in bulk. Tis the season of braais and roasts but ...

What the rate cut means for you
... and AwayThe X FactorTV Shows · NewsNews VideoLocal NewsNational NewsWorld NewsTech NewsWeather ForecastBreaking News · FinanceFinance NewsPersonal FinanceSmall BusinessStock QuotesCurrency converterTax calculatorCompare Rates ...

Personal finance: Understanding 401(k) Fees
If you're like many Americans – 71 percent, according to an AARP survey – you might be under the impression that your 401(k) plan administrator doesn't charge you anything to maintain your account. You'd be wrong. In fact, these companies typically ...

Current Mortgage Rates Today - US Bank and SunTrust raise their rates
(Best Syndication News) Mortgage interest rates were higher today after investors and secondary lenders assessed new economic reports (see the mortgage rate charts below). SunTrust, U.S. Bank, JPMorgan Chase, and KeyBank were among the banks ...

Mortgage Rates Deal of the Day: Heinz – Del Monte Credit Union at 2.84% APR
The competitive APR comes with a 2.75% mortgage rate, is available with a loan amount of $168,750 and an estimated property value of $225,000. The property is located in Albany, NY and is within Albany County. It is an existing single-family home and ...

Bank of Queensland sends the right signal with an immediate rate cut
THERE'S no sure thing in banking, but a round of major bank mortgage rate cuts of about 20 basis points is a near-certainty -- as was yesterday's sixth easing in monetary policy since November last year. Bank of Queensland kicked off proceedings ...

Where foreclosures take three years to process
Plus, see the 10 things that cable companies won't tell you and check out a Rex Nutting column on how to fix Medicare right away in today's Personal Finance Daily. — Amy Hoak, assistant editor. How foreclosure backlogs could hurt home buyers. No ...

PersonalLoansForBadCredit.net Streamlines Loan Application Procedure for ...
PersonalLoansForBadCredit.net Streamlines Loan Application Procedure for ...

PersonalLoansForBadCredit.net Streamlines Loan Application Procedure for ...
PersonalLoansForBadCredit.net Streamlines Loan Application Procedure for ...

Former LinkedIn VP Adam Nash Joins Personal Finance Start-up Wealthfront
Adam Nash, who previously was VP of product management at LinkedIn, and was for the past year an executive in residence at Greylock Partners, will join the start-up Wealthfront, citing his long-standing interest in personal finance. Wealthfront said ...

Meet urgent cash requirement with personal loans from www.personal-loan.com
Atlanta, GA (November, 2012) - We all, at some or the other point of our life are faced with tough financial times if are unable to pay for pending bills such as medical expenses, tuition fees, refinance, grocery bills, travel expenses and other ...

PersonalLoansForBadCredit.net Streamlines Loan Application Procedure for ...
PersonalLoansForBadCredit.net Streamlines Loan Application Procedure for ...

The Importance of IT; Fed Notices Lousy Rate Sheet Pricing; "High...
The Importance of IT; Fed Notices Lousy Rate Sheet Pricing; "High...

30-Year Fixed Mortgage Rate Falls to New Record Low; Current Rate is 3.16 ...
30-Year Fixed Mortgage Rate Falls to New Record Low; Current Rate is 3.16 ...

30-Year Fixed Mortgage Rate Falls to New Record Low; Current Rate is 3.16 ...
30-Year Fixed Mortgage Rate Falls to New Record Low; Current Rate is 3.16 ...

How to Trade Pandora Ahead of Earnings
Stocks · ETFs · Fixed Income · Earnings · Currencies · Commodities · Options · Taxes · Personal Finance · sectors · Biotech/pharma · Consumer · Energy · Financial · Global Markets · Media · Precious Metals · Real Estate · Technology · Transportation ...

PersonalLoansForBadCredit.net Streamlines Loan Application Procedure for ...
PersonalLoansForBadCredit.net Streamlines Loan Application Procedure for ...

Mortgage Rates: Low Mortgage Rates Unchanged After Big Jump in Home Prices
This means that even borrowers with LTVs above 125% can obtain lower mortgage rate loans as long as the existing mortgage has been paid on time for the previous six months with no more than one late for the six months prior to that. While HARP 2.0 has ...

Fixed Mortgage Rates Remain Near Record Lows According to ForTheBestRate ...
Fixed Mortgage Rates Remain Near Record Lows According to ForTheBestRate ...

For the cheapest mortgage, go variable
... certainty than they were before as a result of all the financial and economic ups and downs of recent years. The premium for mortgage rate certainty is minimal right now, and thus a good buy for many borrowers. But for the cheapest mortgage, go ...

Australia's NAB cuts variable mortgage rate by 20 basis points
SYDNEY Dec 5 (Reuters) - National Australia Bank, the country's largest lender, cut its variable mortgage rate by 20 points, passing on part of a 25 basis point rate cut by the central bank. NAB is the first of Australia's big four lenders to cut rates ...

Australia's NAB first major to cut mortgage rate
SYDNEY--National Australia Bank Ltd. on Wednesday became the first of Australia's major banks to pass on part of the central bank's rate cut to mortgage customers. NAB said in a statement it will reduce its standard variable home loan rate, the type ...

LIVE BLOG: Forum on personal finance and financial literacy
MANILA, Philippines - How do decision-makers, institutions, and advocacy groups improve financial literacy and personal financial capability? At the Citi-FT Financial Education Summit in Manila, over 250 delegates from the Philippines, Asia Pacific and ...

Personal finance: Lottery mania hurts low-income players
You can't win the Powerball if you don't play. But even if you do play, you are more likely to be hit by falling space debris than to hit the jackpot. Nevertheless, a distressingly large number of people practically guarantee they will never escape the ...

Australia's CBA joins NAB in cutting mortgage rate
SYDNEY--Commonwealth Bank of Australia Wednesday became the second of Australia's big four banks to pass on only part of the central bank's interest rate cut this week. Australia's largest lender by market value said it will reduce its standard ...



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