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Personal Finance News 11/2014



How Seriously Should You Take Retirement Savings Calculators?
“At the risk of sounding like Chicken Little and sounding like the sky is falling, I'm going to suggest that people take it a lot more seriously than they have been,” says Lynnette Khalfani-Cox, personal finance author and co-founder of ...

Andrew Silton: Legislators coddle consumer loan industry in NC while poor ...
Andrew Silton: Legislators coddle consumer loan industry in NC while poor ...

'Extraordinary' interest rates on 10-year fixed-rate mortgage deals
Mark Harris, chief executive of mortgage broker SPF Private Clients agrees: “The mortgage-rate war is extending to longer-term fixes with some astonishingly cheap rates,” he says. “Borrowers must ensure they are happy about fixing for 10 years, however ...

The No Credit Check Auto Lender Answers “Can You Use a Personal Loan for a ...
The No Credit Check Auto Lender Answers “Can You Use a Personal Loan for a ...

Personal finance Q&A: Pay a bogus bill to protect credit rating?
Dear Liz: I was a volunteer for a research study at a local university. It required a blood draw done at the university's hospital. A month later, I received a bill for the blood draw, which I questioned. I was told it was a mistake and that I was in ...

Mortgage Rate Predictions For November 2014 (FHA, VA, USDA & Conv)
According to Freddie Mac's weekly mortgage rate survey of more than one hundred banks, 30-year mortgage rates averaged 3.98% last week, marking the third week of sub-4 percent rates. The 15-year fixed rate mortgage rate averaged 3.13%. Conventional ...

Va. schools honored for student financial literacy
Officials say 148 Virginia public schools and 300 teachers were recognized for student performance on a national standardized test is administered to students at the end of a course on personal finance. The WISE Financial Literacy Certification test ...

Personal finance tips: Dealing with delayed tax refunds, and more
Personal finance tips: Dealing with delayed tax refunds, and more. Three top pieces of financial advice — from taking advantage of falling mortgage rates to indulging in high-tech therapy. By Sergio Hernandez | 6:20am ET. Don't expect the IRS to move ...

Kids and Money: Reading assignments for teens
That's why it was a pleasant surprise for me to see the recent arrival of two new titles - written by veteran personal finance experts - that appeal specifically to teens who need to learn the basics about money and finance but may be intimidated by ...

Rate Snapshot: Bond, mortgage markets continue to hold bullish measurements
This is a big week for economic measurements. It is employment week, but between now and Friday when employment hits a number of key data points and a plethora of Fed officials to muddy the waters. In the meantime, some reports from the global markets: ...

10 Best Personal-Finance Tools to Better Manage Your Money
As part of Kiplinger's annual list of the best personal finance products and services, we picked the top money-management tools, from sites to help with budgeting and monitoring your credit to services that will help protect your identity . Be sure to ...

Mortgage Rate News for Tuesday, November 4, 2014
Yesterday mortgage backed securities sold off in the morning following some strong manufacturing data, but have rallied this morning to the point where we are virtually unchanged (stop me if you've heard this before). Mortgage rates (repeat with me now ...

Personal Finance: 3-time widow's Social Security choice
Veteran personal finance journalist Robert Powell answers your questions for USA WEEKEND. I have been married three times. The first time was for 19 years. The second time for 10 years, and the third time for six years. I started collecting my Social ...

Personal Finance: 3-time widow's Social Security choice
I have been married three times. The first time was for 19 years. The second time for 10 years, and the third time for six years. I started collecting my Social Security at age 62. All three husbands are now deceased, but I did remarry the second time ...

30-Year Fixed Mortgage Rates Spike on News of Stimulus Program Ending ...
30-Year Fixed Mortgage Rates Spike on News of Stimulus Program Ending ...

Thirty-Year Mortgage Rate Rises in Latest Week -- Zillow
Real-estate website Zillow Inc. ( Z ) said its real-time rate on 30-year fixed-rate mortgages rose for the latest week, but still settled below 4% for a fifth straight week. The 30-year fixed-mortgage rate on Zillow Mortgages, which tracks mortgages on ...

Record-Low Mortgage Rates Face Threat In October Jobs Report
Freddie Mac reports the average 30-year fixed rate conventional mortgage rate at 3.98% nationwide. Rates for VA mortgages and FHA loans are even lower. VA rates average 0.375 percentage points less than a comparable conventional loan; FHA average ...

Massachusetts Ballot Question Results, Updating Live
Aside from the races for political office, Massachusetts voters had some big decisions to make today as they weighed in on four statewide ballot measures whose outcomes will affect several business and personal finance interests. Question 1 asked ...

Personal Finance: Stronger growth means time for Fed to bug out
Nearly five and a half years from the end of the recession, the U.S. economy finally appears poised for sustainable growth sufficient to allow a return to more normal monetary policy. While the efficacy of the Fed's actions continues to be hotly ...

Personal Finance: Stronger growth means time for Fed to bug out
Nearly five and a half years from the end of the recession, the U.S. economy finally appears poised for sustainable growth sufficient to allow a return to more normal monetary policy. While the efficacy of the Fed's actions continues to be hotly ...

Personal Finance: Seven ways to cut your holiday expenses
When it comes to holiday spending, waiting in store lines all night and jostling for discounts will mean very little if you don't have a budget that shapes your finances year-round. With the average U.S. household spending $600-$700 in 2014 for the ...

Personal Finance: Response to Reader Questions on Social Security
Joe is a CERTIFIED FINANCIAL PLANNER™ professional and anhttp://Portland, Oregon, GoLocalPDX, Joe Alfonso, Personal Finance, Social Security, Reader Questions, Aegis Financial Advisory, Enrolled Agent, admitted to practice before the IRS to ...

KBC Bank Ireland launches personal loan product and credit card reward initiative
It said with a headline rate of 9.8pc APR (for loans of €20,000+), the discounted offer provides one of the most competitive personal loan rates available in Ireland today. KBC has also launched a new credit card initiative, providing customers with a ...

KBC Bank Ireland launches personal loan product and credit card reward initiative
It said with a headline rate of 9.8pc APR (for loans of €20,000+), the discounted offer provides one of the most competitive personal loan rates available in Ireland today. KBC has also launched a new credit card initiative, providing customers with a ...

Tangerine adds personal finance resource to website
Preet Banerjee - Well-known personal finance expert, Preet Banerjee , can be seen frequently providing comment and advice on a variety of personal finance topics in the media. Preet is a commentator, broadcaster, author and speaker and is also known as ...

Jericho man arraigned in insurance-premium scam accused of failing to repay ...
Jericho man arraigned in insurance-premium scam accused of failing to repay ...

Mortgage Rate News for Wednesday, November 5, 2014
mortgage rates Yesterday mortgage rates lost a little ground when mortgage backed securities sold off. This morning mortgage bonds are under moderate downward pressure, but my guess is that we see relatively little change in the markets today. Despite ...

3 lessons learned from the mortgage rate drop
Mortgage rates are back to the highest level in a month, and if news from the U.S. economy stays positive, they could edge ever higher. While the brief drop a few weeks ago, due to concerns over global economic growth, may already seem like a distant ...

Personal Finance: Simple antenna can help kick costly cable TV habit
As more people rethink ways to get television programming outside the traditional cable and satellite companies, the unsung TV antenna is becoming a fundamental component of their cord-cutting strategy. That makes sense. Not only are broadcast TV ...

What 'Fear of Missing Out' Really Means for Millennial Personal Finance
When it comes to millennial personal finance, it's definitely more about doing things than owning things, but 20-somethings aren't always thinking about the true cost. If you've been giving in to the fear of missing and your wallet is paying the price ...

B of I rejects mortgage rate 'profiteering' claims
Bank of Ireland chief executive Richie Boucher yesterday rejected claims of “profiteering” on variable mortgage rates during a near three-hour session with members of the Oireachtas finance committee. Dublin-based TD Richard Boyd Barrett accused him of ...

Moneysaving mortgage trick: pay an extra £150 per month now - save £30000
If UK rates rose to pre–credit crunch levels, then her mortgage rate would be 7.5pc, a possibly unaffordable £1,850 a month. Of course the aim then would be to lengthen the term, but there's no guarantee a lender will allow it. With overpaying, there's ...

Personal Finance: Credit is not our enemy
Since the holiday buying season is upon us, I thought it was prudent to talk about credit cards and consumer debt. Consumer debt is debt that is incurred for personal consumption, usually for items that do not increase in value over time. The interest ...

30-year-mortgage rate rises to 4.02%
WASHINGTON (MarketWatch) -- The average rate for a 30-year fixed-rate mortgage rose to 4.02% in the week that ended Nov. 6, hitting above 4% for the first time since early October, from the prior week's average of 3.98%, according to a Thursday report ...

Average 30-year mortgage rate rises above 4 percent mark
WASHINGTON — Average US long-term mortgage rates rose this week, with the benchmark 30-year loan crawling back over 4 percent. It was the second straight week of increases in rates after they had fallen for five weeks amid concern over global ...

Freddie Mac: Average 30-year mortgage rate rises above 4%
Moving higher for a second week, the 30-year mortgage rate broke back above 4%. Freddie Mac calculated that lenders were offering the most popular home loan at an average of 4.02%. Rates rose for other loan types as well. Freddie Mac said 15-year fixed ...

Investors find better balance in their 401(k)s
More investors have better balanced accounts as a result of the increased popularity of target-date mutual funds. NEW YORK — Fewer investors are going all-in with their retirement savings. Less than 10 percent of 401(k) accounts administered by ...

Primary Fixed Rate Mortgage Yields Rise 0.04% To 0.08% And Mortgage ...
Primary Fixed Rate Mortgage Yields Rise 0.04% To 0.08% And Mortgage ...

4 Personal Finance Books That Will Inspire You
Here are four great personal finance books that offer that healthy dose of inspiration. Perhaps you need inspiration to build wealth. Maybe you need inspiration to get rid of debt or to dig through your all-too-real life to find ways to spend less ...

Personal Finance: Yes, you can suspend Social Security
Veteran personal finance journalist Robert Powell answers your questions for USA WEEKEND. Based on an article (you wrote) about stopping and starting Social Security payments to earn delayed retirement credits, I spent an hour at the local Social ...

Mortgage Rate News for Friday, November 7, 2014
real_Estate_questions_mortgage_foreclosure_real-estate-law It's the first Friday of the month, and you know what that means: pizza party nonfarm payrolls! Huzzah! The October jobs report showed an increase of 214,000 jobs in October, lower than the ...

October Jobs Report Moves 30-Year Mortgage Rates Lower (FHA, VA, USDA ...
October Jobs Report Moves 30-Year Mortgage Rates Lower (FHA, VA, USDA ...

Tools You Can Use: Personal Finance
Earlier this year we launched whitehouse.gov/tools, a new section of our site highlighting tools from across government that can make your life easier. Today, we're updating our collection to highlight tools that can help you make smart personal ...

best personal loan lenders for bad credit
Policy regarding responsible lendingSubmitted applications will go through a filtering process that ensures the client we are lending to will have the capacity to reimburse the loan. Payday loans are meant for short-term use and repaid in full within ...

This Could Be Your Last Shot to Refinance a Mortgage
The Fed's decision, combined with the economy's continued positive momentum, means the mortgage rate upward climb may not end anytime soon. The Mortgage Bankers Association predicts rates will reach 5.1 percent by the end of next year and 5.8 ...

cimb bank personal loan table
HE GAVE HIMSELF AIRS. The issuer may still accept cimb bank personal loan table smaller than this amount from cimb bank personal loan table, but this credit comes with a hefty price tag and often leaves a rash of problems in its wake, you can deduct ...

NSTAR Plans to Boost Electricity Rates 29%
When National Grid requested to raise its winter electricity rates by 37 percent over last year's, there was a lot of consternation among its customers, and a big question for everybody else. How high would Greater Boston's other major utility provider ...

Mac app deals roundup: Save big on apps for Wi-Fi optimization, personal ...
Mac app deals roundup: Save big on apps for Wi-Fi optimization, personal ...

You can minimise the cost of buying a new car by timing your purchase and ...
You can minimise the cost of buying a new car by timing your purchase and ...

Mortgage Rates Deals
Mortgage Deals Throughout the vast U.S, you find a plethora of financial institutions offering best mortgage rate deals. Taking for example, Wells Fargo (NYSE: WFC) down 0.41 percent or 40.22 to $53.84 30 year loan deal, Commence at 4.250 percent with ...



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