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Personal Finance News 10/2014



Online Lending Sites Offer Alternative to Traditional Borrowing
Traditionally, consumers who wanted to consolidate loans or credit card debt, or borrow for a vacation or a wedding, had two basic choices: Visit a local bank for a personal loan, or use another credit card. But a new group of online lenders is ...

Mortgage Rate News for Wednesday, October 1, 2014
mortgage rates Yesterday mortgage backed securities were basically flat on the day, and mortgage rates idled. This morning we are seeing a big rally in MBS, and if it holds, rates will improve, and we will have made up approximately half the ground ...

Mortgage Application Volume Continues to Slide
Last week was another down week for mortgage applications according to the Mortgage Bankers Association (MBA). Its Weekly Mortgage Applications Survey data for the week ended September 26 showed a 0.2 percent decrease in applications as reflected ...

5 Personal Finance Apps To Check Out
Managing your personal finances can seem like drudgery, whether it's wading through that pile of bills or balancing your checkbook. Nowadays, however, there are tons of personal finance apps that can help with these chores, with services focused on ...

Rate snapshot: Mortgage applications down, bond and MBS markets improving
A good start in the bond and mortgage markets this morning with slightly weaker US stock index trading. The 10 yr note is sitting right on its key resistance at 2.45% at 10:00, down 4 bps frm yesterday's close. ADP reported better job growth than ...

Judge queries bank's stance on mortgage rate hikes
The Financial Services Ombudsman has been told by the High Court to look again at Danske Bank's decision to hike its variable interest mortgage rates to more than 4% when ECB rates had plunged to almost zero. The ombudsman had thrown out a ...

Mortgage rate cut to boost property market
China yesterday announced a cut in mortgage rates and minimum down payment levels for some home buyers in one of its biggest moves this year to boost an economy increasingly threatened by a sagging housing market. The relaxation of lending rules, ...

Bankrate: Mortgage Rates Fall
NEW YORK , Oct. 2, 2014 /PRNewswire/ -- Mortgage rates fell slightly over the past week, according to Bankrate.com's (NYSE: RATE) weekly national survey. The benchmark 30-year fixed mortgage rate dropped to 4.27% and the 15-year fixed rate declined ...

Freddie Mac: Average 30-year mortgage rate drops to 4.19%, from 4.2%
Mortgage-rate trends were mixed early this week, Freddie Mac said, with lenders offering a 30-year fixed loan at an average of 4.19%, down from 4.2% a week earlier. The average rate for a 15-year fixed loan was unchanged at 3.36%. Loans that become ...

Average 30-year fixed mortgage rate drops slightly; 15-year rates unchanged - The Oregonian
WASHINGTON — A key long-term U.S. mortgage rate dipped this week, the second drop after a large increase two weeks ago. Mortgage company Freddie Mac said Thursday the nationwide average for a 30-year loan slipped to 4.19 percent from 4.20 ...

VA Mortgage Rates Lowest Of Today's Mortgage Rates
If you lock a VA mortgage rate near 4%, regardless of future mortgage rates, the eventual buyer of your home can get your same four percent mortgage interest rate. There are other VA loan benefits, too, including loose underwriting standards and access ...

Comedy duo teaches personal finance to Hardin middle school kids
Students at Hardin Middle School enjoyed a laugh or two Thursday morning and learned something about personal finance, courtesy of Nikko Raymo and Laurel Schuessler, a pair of hilarious and fearless performers from the National Theatre for Children, ...

PERSONAL LOAN PROMISSORY NOTE TEMPLATE
Impact to yourself that you have a event personal loan promissory note template. Well, when you leave you can not, the moment is, you can! But dreams 're to range when 94 subject haste means for their climate and when it gives against it. If neither of ...

Mortgages: 'I gambled on interest rates and lost £3000'
Misjudging the direction interest rates are set to take in future years can be hugely costly – as borrower Andrew Fellows, pictured, discovered to his cost. He took out a five-year fixed rate mortgage at what turned out be the worst possible time: just ...

Average US 30-year mortgage rate at 4.20 percent, Freddie Mac reports
WASHINGTON (AP) -- Average long-term U.S. mortgage rates declined slightly last week, after marking their largest one-week gain of the year the previous week. Mortgage company Freddie Mac said Sept. 25 that the nationwide average for a 30-year loan ...

Primary 30-Year Fixed Rate Mortgage Yields Fall 0.02% And Mortgage ...
Primary 30-Year Fixed Rate Mortgage Yields Fall 0.02% And Mortgage ...

Primary 30-Year Fixed Rate Mortgage Yields Fall 0.02% And Mortgage ...
Primary 30-Year Fixed Rate Mortgage Yields Fall 0.02% And Mortgage ...

Your Personal Finance Weapon Is Within Reach: Erase Credit Card Late Fees
NEW YORK (MainStreet) — Coming across a late fee on your credit card statement is frustrating, but new research shows how willing credit card issuers are to waive such fees. While you won't receive a call asking if you'd like the fee removed, analysis ...

Collins V. Bellows, What can Congress do to Boost the State's Economy and ...
Collins V. Bellows, What can Congress do to Boost the State's Economy and ...

September Jobs Report Pushing 30-Year Mortgage Rates Higher (FHA, VA ...
September Jobs Report Pushing 30-Year Mortgage Rates Higher (FHA, VA ...

It's Only Money: Top personal finance posts so far in 2014 - The Oregonian
The safety of online passwords, understandably, was a big concern of readers. A couple of columns on beneficiary designations also drew a lot of views. In case you missed them, here are the most popular posts from 2014: Password managers: Time to ...

Students at BRCOT learn personal finance
Students taking Kenneth Crepeau's personal finance course at the Biddeford Regional Center of Technology are not only learning financial skills that will benefit them throughout their lives, but also earning college credits at no cost at the same time ...

The Top Ways to Fund Your New Business
While P2P loans are easier to get than a personal loan from a bank, and generally cheaper than borrowing money from sources like credit cards, I wouldn't describe them as cheap or easy to get. Applying for a P2P loan is easy and online. Getting ...

Refinancing your mortgage isn't always worth it
Also, if you started with an adjustable rate mortgage and now want to get into a lower fixed mortgage rate, you might think it's time to refinance. Refinancing a home requires you to repeat much of the original steps followed when purchasing your home, ...

Top credit card tips: Lessons at foot of personal finance master
On my first day of work as a personal finance journalist some years back, my editor asked me which credit card I had. I was quite pleased to announce that I, in fact, didn't have a credit card and preferred to live within my means and generally tried ...

Personal Finance: The reluctance of debtors to ask for help
This is an issue I have been battling with for years with debtors in my attempt to convene debt workshops and informed sessions to reach out, tender my advice and plans for their situation and convince them to take ownership and responsibility to get ...

Ways to prepare for possible long-term care costs
Many of us hold on to an idyllic vision of our golden years, imagining we'll be in good health and living self-sufficiently in our own homes. But that scenario is likely to get dashed. On average, nearly 70 percent of 65-year-olds will eventually need ...

Average U.S. 30-year mortgage rate is at 4.19 percent
WASHINGTON -- A key long-term U.S. mortgage rate dipped last week, the second drop after a fairly large increase three weeks ago. Mortgage company Freddie Mac said Thursday the nationwide average for a 30-year loan slipped to 4.19 percent from 4.20 ...

Malloy makes Foley's personal wealth issue in race
FILE - In these Oct. 2, 2014 file photos, Republican candidate for governor Tom Foley, left, and incumbent Democrat Gov. Dannel P. Malloy, right, speak during a live televised debate at the University of Connecticut in Storrs, Conn. The two men will ...

Lawyers PAC shifts support in judicial race to co-founder's wife
Shah has raised about $54,000, including a $5,000 personal loan to his campaign. His donors include many from the local South Asian-American community. Shah, whose parents emigrated from India, is the first Indian American judge in the state. Last year ...

Mortgage Rate Prediction: What Will The 30-Year & 15-Year Mortgage Do This ...
Mortgage Rate Prediction: What Will The 30-Year & 15-Year Mortgage Do This ...

Personal Finance: Debtors reluctant to ask for help
This is an issue I have been battling with for years with debtors in my attempt to convene debt workshops and informed sessions to reach out, tender my advice and plans for their situation and convince them to take ownership and responsibility to get ...

US teens 'painfully average' on personal finance
8:21 P.M. ET Australia's S&P/ASX 200 down 0.7% at 5,254.10 early; 8:02 P.M. ET Japan's Topix down 0.1% at 1,295.59 in early moves; 8:02 P.M. ET Japan's Nikkei Average opens down 0.3% at 15,841.17; 7:46 P.M. ET. Samsung Electronics guidance misses ...

Personal finance tips: How to catch counterfeit goods online, and more
"Ever wonder how your credit card could have been used to buy cellphones in Cleveland when you just swiped it at your grocery store an hour ago?" asked Christine DiGangi at Credit.com. It actually isn't difficult for thieves to "manufacture fake cards ...

Use Your Phone as a Piggy Bank: The 10 Best Personal Finance Apps
The app economy has turned the humble phone into a personal travel advisor, DJ, photo editor, news reader, stock trader and movie maker. The announcement that Apple will at last fit its smartphones with NFC, and therefore allow the iPhone to be used as ...

Florida man wins suit against ex-bank president
A Florida man has won his lawsuit over a personal loan of $486,895 that he made in February 2012 to Larry C. Henson when Henson was president of the now-closed Valley Bank. Scott County District Judge J. Hobart Darbyshire issued a summary judgment ...

Peer-to-Peer Lender SoFi to File for IPO
Prosper Marketplace Inc., the second-largest such platform, helped facilitate $171.6 million in personal loan originations in September, according to the firm. The firm, which launched in 2006, is expecting to hit $2 billion of originations by the end ...

US ABA: Consumers In Better Position To Meet Fin Obligations
WASHINGTON (MNI) - The American Bankers Association Tuesday said there was mostly no change in bank card delinquencies in the second quarter of 2014, as an improving economy continued to help U.S. households do a better job of managing their ...

Employee forged documents to get loan
“I briefed the defendant on the personal loan offers. I told him that the bank was willing to provide him a personal loan four times his salary and that a salary transfer certificate wasn't required for approval. I asked him for a copy of his passport ...

Meat prices fall slightly
She said greater savings may be available for shoppers who have a chain's "affinity'' card. Follow Howard Fischer on Twitter at @azcapmedia. Discuss; Print. Posted in Personal finance, Topstory on Tuesday, October 7, 2014 5:30 am. Comments · Facebook ...

Jail for man who forging documents to get loan
“I briefed the defendant on the personal loan offers. I told him that the bank was willing to provide him a personal loan four times his salary and that a salary transfer certificate wasn't required for approval. I asked him for a copy of his passport ...

Jail for man who forged documents to get loan
“I briefed the defendant on the personal loan offers. I told him that the bank was willing to provide him a personal loan four times his salary and that a salary transfer certificate wasn't required for approval. I asked him for a copy of his passport ...

Mortgage price war expected as UK lenders fight for market share
This has led to a mortgage rate war breaking out as competitive pressures help to cut mortgage rates in every part of the mortgage market.” James Knightley of ING Financial Markets said lenders' predictions of a big rebound in availability “suggests ...

Consumer Delinquencies Fall Nearly Across the Board in Second Quarter
Personal loan delinquencies fell from 1.73 percent to 1.62 percent. Direct auto loan delinquencies fell from 0.76 percent to 0.72 percent. Indirect auto loan delinquencies fell from 1.74 percent to 1.55 percent. Mobile home delinquencies rose from 3.37 ...

Four Bits of Personal Finance News Canadians Can Be Thankful For
If you're a regular reader of my blog, you might notice that I often write about ways Canadians can avoid debt. I do this because there are some serious concerns about household debt in Canada -- Statistics Canada says that the average Canadian owes ...

Daily Mortgage Rates Summary of Bank of America, Wells Fargo, Sun Trust ...
Daily Mortgage Rates Summary of Bank of America, Wells Fargo, Sun Trust ...

30-Year Fixed Mortgage Rates Fall Below 4%; Current Rate is 3.96%, According ...
30-Year Fixed Mortgage Rates Fall Below 4%; Current Rate is 3.96%, According ...

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. The 30-year fixed-mortgage rate on Zillow Mortgages, which tracks mortgages on the company's website, decreased to 3.96% from 4.08% a ...

Money flows into races countywide as election nears
Gregory has raised $11,676 this year, including a $1,100 personal loan. His contributions include $1,000 each from the Erskine Property Trust and La Mirada Holding; $250 each from the Home Builders Association of the Central Coast Political Action ...

Personal Finance: Ebola fears create entry point for airline stocks
Americans are understandably concerned about the potential for an outbreak of the Ebola virus in the United States. While the situation is clearly dire in West Africa, public health officials here are justifiably confident in their ability to stanch ...



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