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Personal Finance News 09/2014



Freddie Mac: Average 30-year mortgage rate levels off at 4.1 percent
The average rate for a 30-year fixed mortgage leveled off last week at a record low for the year — 4.1 percent, the same as the previous week, a Freddie Mac survey showed. The 15-year fixed mortgage averaged 3.25 percent, up from 3.23 percent the ...

Canaccord Genuity Reaffirms Buy Rating for International Personal Finance Plc ...
Canaccord Genuity Reaffirms Buy Rating for International Personal Finance Plc ...

Summary of Today's Mortgage Interest Rates at Bank of America, Wells Fargo ...
Summary of Today's Mortgage Interest Rates at Bank of America, Wells Fargo ...

15-Year Mortgage Rates Sink; Homeowners Save 64%
With the average 15-year mortgage rate at 3.25% -- 85 basis points (0.85%) below comparable 30-year rates -- homeowners using 15-year loans are reducing their total mortgage interest paid by 64 percent. It's an excellent time to consider a 15-year ...

Which Refinance Is Best: FHA, VA, Conventional, or USDA?
An example of a Rate-and-Term Refinance is a homeowner reducing his 30-year mortgage rate from 4.5 percent to 3.5 percent; or changing from a 30-year mortgage to a 15-year loan. The second refinance format is a Cash-Out Refinance. In a Cash-Out ...

5 Of The Best Personal Finance Apps For iPhone, iPad, and Android To Keep ...
5 Of The Best Personal Finance Apps For iPhone, iPad, and Android To Keep ...

When your second career starts at 73
Richard Tiberius, 73, a former professor. He paints in his retirement and is making money from his pictures, background. * Many Americans find a second career after calling the first one quits. MIAMI — For Richard Tiberius, retirement didn't arrive ...

Personal finance tips: How your credit score affects your car insurance, and more
Bad credit could be driving up your car insurance, said Andrea Coombes at The Wall Street Journal. A new study of five large auto insurers has found that credit history can make or break a driver's premium, leaving motorists with no credit paying 65 ...

Five best personal finance tools
Personal Finance management is critical for every person. However, not all of us have the time or knowledge to manage our finances effectively. Sometimes, even if one has the time and there is sufficient awareness, tracking finances is put off simply ...

Malawi govt approves K4.6 billion MPs personal loan facility
While overburdened tax-payers are yet to be hit with punitive taxes to meet the yet to be adopted zero-aid budget, there are more worrying news to bear following the approval of K4.6 billion personal loan facility for Parliamentarians. Government has ...

Holiday Loans Seek Mix of Debt Ease, Risk Control
“Of course, some loans have defaulted, just like at any other credit union, but they haven't moved the needle higher than our other personal loan products,” Nickolai said. Texell's loan performance was so strong last year the CUNA Lending Council and ...

Personal Finance: How can I pay off credit cards faster?
Veteran personal finance journalist Robert Powell answers your questions for USA WEEKEND. I am $18,000 in debt between two credit cards. I pay $200 a month on each card, which is more than the minimum payment for each card. It seems, however, the ...

Will your kids inherit your debt?
Many people finally get around to writing a will in order to safeguard their assets for their heirs. But what if you've got the opposite problem: Your nest egg was decimated by the recession, bad investments or simply living longer than expected and ...

2015 Mortgage Rate Predictions from 3 Expert Sources
Editor's note: This article is a “living document” that will be edited and updated as new mortgage-rate forecasts and data become available over the coming months. I know what you're thinking. It's only September, and already we're offering mortgage ...

Todays' Home Mortgage Rate Summary at Capital One Financial (September 2 ...
Todays' Home Mortgage Rate Summary at Capital One Financial (September 2 ...

Thirty-Year Mortgage Rate Falls in Latest Week: Zillow
Real-estate website Zillow Inc. (Z) said its real-time rate on 30-year fixed-rate mortgages fell in the latest week, recording the biggest weekly decline since January. The 30-year fixed-mortgage rate on Zillow's Mortgage Marketplace, which tracks ...

Personal Finance: Master Limited Partnerships go mainstream
In a world of depressingly low interest rates, many investors have discovered Master Limited Partnerships as a relatively high-yielding alternative. While MLPs can play a valuable role in a well balanced portfolio, they must be understood and monitored ...

Think twice before taking a personal loan
Financial experts warn that before you consider going for a personal loan, it is important to start by asking yourself whether you have enough income to pay back the loan. “Some people will borrow even when their disposable income cannot allow them to ...

Think twice before taking a personal loan
Financial experts warn that before you consider going for a personal loan, it is important to start by asking yourself whether you have enough income to pay back the loan. “Some people will borrow even when their disposable income cannot allow them to ...

Think twice before taking a personal loan
Financial experts warn that before you consider going for a personal loan, it is important to start by asking yourself whether you have enough income to pay back the loan. “Some people will borrow even when their disposable income cannot allow them to ...

Real Estate Matters | Equity loan rates may be higher than typical mortgage rate
We are researching home equity loan options and would like your opinion as to an acceptable interest rate. Obviously, the lower the interest rate, the better. The last rate we received (our credit scores are 735 and 850) was 6.5 percent through Bank of ...

Mortgage Applications Stagnant Through Last Week of Summer
Mortgage applications were virtually unchanged during the week ended August 29. The Mortgage Bankers Association said that its Market Composite Index, a measure of application volume, increased a marginal 0.2 percent from the previous week on a ...

Rate snapshot: Ukraine, Russia move toward cease-fire, mortgage apps up
Russia and Ukraine agreed on steps toward a cease-fire. Ukraine's President Petro Poroshenko and Russian counterpart Vladimir Putin discussed how to move toward a cease-fire in the contested eastern region. That there are talks underway has taken the ...

Personal Finance: Should children help pay for college?
Eighty-five percent of parents surveyed by Fidelity Investments said their children should help contribute to their college bills, yet only 57 percent of parents with kids older than 12 have talked to them about how the family will fund their education ...

Today's Mortgage Interest Rates at Bank of America, Wells Fargo and SunTrust ...
Today's Mortgage Interest Rates at Bank of America, Wells Fargo and SunTrust ...

30 -Year Fixed Mortgage Rate in Washington State Below National Average
Borrowers were quoted just below 4% last week for 30-year fixed mortgage rates Nationally, which is down from 4.08%, where the rate had been previously hanging for weeks. According to Zillow, mortgage rates in Washington State stayed at 3.99% last week ...

Freedom Credit Union releases new logo, new website and fresh social media ... - The Republican
Freedom Credit Union releases new logo, new website and fresh social media ...

US Mortgage Applications Rise on Low Rates
The five-year treasury-indexed hybrid adjustable mortgage rate spiked slightly to 2.97 percent from last week's 2.95 percent. The rate was 3.24 percent a year ago. The average one-year treasury-indexed adjustable mortgage rate continued its upward ...

Bankrate: Mortgage Rate Movements Remain Tame
4, 2014 /PRNewswire/ -- Mortgage rates were little changed, with the benchmark 30-year fixed mortgage rate nosing higher to 4.24 percent, according to Bankrate.com's weekly national survey. The 30-year fixed mortgage has an average of 0.28 discount and ...

Personal Finance: When setting financial goals, take the SMART approach
When we were young, we all had dreams and things that we wanted to accomplish. However, somewhere along the way, we got too busy trying to meet life's daily demands — paying bills and taking care of our families — to ask, "what do I want to ...

30-year-mortgage rate sticks at lowest rate since October
12:29 P.M. ET Mester: Jobless rate to fall to 5.5% by end-2015; 12:29 P.M. ET Mester: Recent news on inflation 'encouraging'; 12:29 P.M. ET Mester sees 3% growth over next 18 months; 12:29 P.M. ET Mester: Wages not leading indicator of inflation; 12:29 ...

Mortgage rates are refusing to budge
Mortgage rates continue to be stubbornly settled in, according to the latest data released Thursday by Freddie Mac. 296Armschart0906 For the third week in a row, the 30-year fixed-rate average did not budge, holding steady at 4.1 percent with an ...

US 30-Year Fixed Mortgage Rate Flat
Average 30-year fixed mortgage rates in the U.S. were flat in the latest week, according to mortgage-finance company Freddie Mac ( FMCC ). Overall, mortgage rates were little changed during the period, in which economic reports were light, Freddie Mac ...

What five classic Disney movies can teach us about personal finance
DId you know that classic Disney movies have hidden financial lessons? Read on for five money motifs for you to spot the next time you revisit these treasured Disney films. By Teddy Nykiel, Guest blogger September 4, 2014. close. Schoolgirls watch an ...

Average US 30-Year Mortgage Rate Holds Steady
The average 30-year U.S. mortgage rate this week remained at a 52-week low of 4.10 percent for the third straight week. Mortgage company Freddie Mac also said Thursday the average for a 15-year mortgage, a popular choice for people who are refinancing ...

Average US rate on 30-year mortgage holds at 52-week low of 4.10 pct; 15-year ...
Average US rate on 30-year mortgage holds at 52-week low of 4.10 pct; 15-year ...

Mortgage Rates Hold Steady in Latest Weekly Survey
house with money and tax paper ... Shutterstock WASHINGTON -- The average 30-year U.S. mortgage rate this week remained at a 52-week low of 4.10 percent for the third straight week. Mortgage company Freddie Mac also said Thursday the average for a ...

Average US 30-year mortgage rate holds steady
WASHINGTON -- The average 30-year U.S. mortgage rate this week remained at a 52-week low of 4.10 percent for the third straight week. Mortgage company Freddie Mac also said Thursday the average for a 15-year mortgage, a popular choice for people ...

Personal Finance: Should I put lake house in a trust?
Veteran personal finance journalist Robert Powellanswers your questions for USA WEEKEND. I own a cottage on a lakefront property. What steps do I have to take to place it in a trust for my children so they do not have to pay inheritance tax and so I ...

Todays' Home Mortgage Rate Summary For Capital One Financial - Thursday ...
Todays' Home Mortgage Rate Summary For Capital One Financial - Thursday ...

In race for treasurer, Caprio questions rival Magaziner's $550000 personal loan
PROVIDENCE, R.I. – Frank Caprio is questioning how his Democratic primary opponent in the race for state treasurer, Seth Magaziner, gave his campaign $550,000 when his July filing with the state ethics commission revealed no investments, trusts or ...

Getting A Car Title Loan
Strapped for cash? Even financially stable families may sometimes find themselves in a situation where they need cash fast. Unforeseen events can strip a person's savings or continued financial difficulties may cause a family to look for any means of ...

6 Tips to Improve a Credit Score Fast
An ideal credit record includes both revolving credit (i.e., credit cards) and installment loans (mortgages, car loans, etc.). You might take out a small personal loan from your bank or credit union and begin making the required monthly payments on ...

Best five-year fixed rate mortgages drop back below 3pc as rate rise fears ease
Borrowers looking to lock in a cheap mortgage rate should consider a five-year fix after lenders slashed rates to below 3pc for the first time in months. The cost of five-year deals has been steadily moving up and pushed above the 3pc mark in July when ...

Primary Mortgage Yield Curve Twists With Current 15-Year Fixed Yields Down ...
Primary Mortgage Yield Curve Twists With Current 15-Year Fixed Yields Down ...

Current Home mortgage rates at JP Morgan Chase Bank on Friday, September 5 ...
Current Home mortgage rates at JP Morgan Chase Bank on Friday, September 5 ...

Average 30-year mortgage rate holds steady
WASHINGTON — The average 30-year U.S. mortgage rate last week remained at a 52-week low of 4.10 percent for the third straight week. Mortgage company Freddie Mac also said Thursday the average for a 15-year mortgage, a popular choice for people ...

Total Return: Highlights of the Journal's personal-finance blog
Hedge-fund billionaire Ken Griffin and his wife, Anne Dias Griffin, appear headed to court in a fight over the validity of a prenuptial agreement signed on the eve of their wedding. Mrs. Griffin challenged the prenup in court in Illinois this past week ...

30-year mortgage rate holds steady
The average 30-year U.S. mortgage rate this week remained at a 52-week low of 4.10 percent for the third straight week. Mortgage company Freddie Mac also said Thursday the average for a 15-year mortgage, a popular choice for people who are refinancing ...

Average 30-year mortgage rate at a steady low
The average 30-year U.S. mortgage rate this week remained at a 52-week low of 4.10 percent for the third straight week. Mortgage company Freddie Mac also said Thursday the average for a 15-year mortgage, a popular choice for people who are refinancing ...



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