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Personal Finance News 02/2015



Mortgage Rate Summary for Chase, Suntrust Feb 1, 2015
The best 30 year loan interest rates at Chase Bank (NYSE:JPM) have been quoted at 3.875% and APR of 3.968%. The short term, popular 15 year fixed rate mortgages have been offered at 3.500% carrying an APR of 3.646% today. As far as ARMs go, 5 year ...

30-Year Mortgage Rate Ticks Up Slightly, Remains Close to 20-Month Low
30-year mortgage interest rates finally edged up up after weeks of moving down, but remained very close to the lowest levels on record since May 2013. According to Freddie Mac's latest Primary Mortgage Market Survey, 30-year FRMs increased to 3.66 ...

Five Best Personal Finance Books
There are more personal finance and money management books for sale than anyone could possibly buy (with all that money they should be saving), but there's a reason-while the advice may not change substantially, many people are looking for useful ways ...

Personal Finance Calendar 0202
Monday: Since the Jan. 31 deadline was on Saturday, this is the last day to pay property taxes without penalty and interest if not splitting payments; it's also the due date for the first payment on quarter payment plans for taxpayers who qualify for ...

Honesty is best policy: A quick guide to getting cover for younger drivers
... News · Sport · Comment · Finance · Travel · Entertainment · Life & Style · Puzzles · Pics · Vids · City & Business · Personal Finance · The Crusader · Home · Finance · Personal Finance; Honesty is best policy: A quick guide to getting cover for ...

Can you trust your tracker mortgage?
'Lender was right to raise tracker mortgage rate without Bank Rate rise'. 13 Nov 2014. Watchdog to probe tracker rate rises. 16 Oct 2013. West Brom pushed rates up because it was not making enough profit margin. Months later it made two slight ...

Money Pulse - Rising Mortgage Rates: Who Cares? | Bankrate.com
And about 35 percent of the respondents who have a mortgage say they are not very confident they know what their mortgage rate is, according to results of Bankrate's Money Pulse survey for February. It is highly unlikely that rates will shoot up to ...

Current Mortgage Rates for Monday, February 2, 2015
Freezing-Rain Greetings once again from snowy Connecticut. The snow I don't mind, the 1/4 inch of freezing rain on top of said snow I could have done without. I guess I can't complain too much, a lot of folks have it as bad or worse this morning ...

Avoid the non-disclosure trap
Personal finance: Avoid the non-disclosure trap. ROB STOCK. Last updated 07:33, February 3 2015. LAW UNFAIR: Even innocently failing to mention something gives the insurer the right to tear. 123rf.com. LAW UNFAIR: Even innocently failing to mention ...

How to save money: 24 great personal finance tips
If you're looking for a new set of wheels, consider leasing, said Jessica Anderson at Kiplinger's Personal Finance. Some drivers who own their cars outright can "come out ahead financially," especially if they pay cash or keep their car past the loan ...

One-Third of Mortgage Holders Don't Know Their Rate
Ask any American how much money they make for a living, and they'll tell you down to the weekly penny. Ask what interest rate governs their single-largest monthly expense, and more than a third don't know. "Your mortgage rate is one of the most ...

Many don't know their mortgage rate
Close to 35 percent of mortgage-holding Americans are unsure of the rate of interest they are paying on their mortgages. A survey of 1,000 people by Princeton Survey Research Associates International, commissioned by Bankrate.com, came up with that ...

Consumers Don't Think Mortgage Rates Can Move Any Lower, Says Study
According to Fannie Mae's monthly National Housing Survey, a survey for which the agency speaks with 1,000 households mixed between homeowners and renters, mortgage rate sentiment is decidedly negative. Fannie Mae asks survey participants: "Do ...

8 Personal Finance Questions Most of Us Flunk
Knowing what you don't know, but should, is a key first step in improving your personal finances. For example, what's your mortgage rate? In a new Bankrate.com survey of 1,000 consumers, 35 percent said they "aren't completely sure." Not knowing that ...

David Fox takes fundraising lead thanks to $1M loan
Fox, a former hedge-fund operator and ex-chairman of the Metro school board, reported giving himself a $1,050,000 personal loan, following through on an investment he had promised. Combined with $253,030 in contributions, he reported a total campaign ...

When Should I Choose a Loan Over a Credit Card?
Taking out a personal loan makes sense when you don't anticipate paying off the debt all at once and you don't have access to an interest-free credit card, as the interest rates on personal loans are generally lower than those on credit cards. Loans ...

Personal finance: The ins and outs of a company buyback
Q: It's always nice when companies buy back stock. But if your shares are purchased from you by the corporation, which you still wish to own, you must repay brokerage commissions to repurchase. Is there a way to continue holding your shares? — Scott ...

The Spam Report: Day #297: "Loan Offer"
... loan to any one who might be in need of a loan for any financial concern. be interested in applying for a business or personal loan, you are required to send an inquiry via our Private Email: [email protected] to us for further ...

30-Year Fixed Mortgage Rates Dip to New 20-Month Low; Current Rate is 3.56 ...
30-Year Fixed Mortgage Rates Dip to New 20-Month Low; Current Rate is 3.56 ...

#BREAKING: Westpac has cut its variable mortgage rate by 0.28 per cent ...
#BREAKING: Westpac has cut its variable mortgage rate by 0.28 per cent ...

Personal Finance: Getting serious? Five important money questions to ask
This is a personal finance question that many financial planners still ask to get a sense of your money management habits. It's intended to identify which person in the relationship is the spender or the saver. It's particularly important to ask each ...

Loans and Financial Info to Keep Individuals Well-Informed about Personal ...
Loans and Financial Info to Keep Individuals Well-Informed about Personal ...

Landlords lose court fight against West Bromwich BS over tracker mortgage rate ...
Landlords lose court fight against West Bromwich BS over tracker mortgage rate ...

Personal Finance: Women and Social Security
Social Security is a gender neutral system. Benefits are payable to any worker who qualifies as a result of their work history. In the case of married couples, either spouse can claim a spousal benefit (though not both simultaneously) and either is ...

CBD Offers 50% discount on personal loan interest rates as part of 'Fab Feb ...
CBD Offers 50% discount on personal loan interest rates as part of 'Fab Feb ...

CBD Offers 50% discount on personal loan interest rates as part of 'Fab Feb ...
CBD Offers 50% discount on personal loan interest rates as part of 'Fab Feb ...

I can't believe I haven't refi'd
I edit articles about mortgages all day long, and I'm not sure what my mortgage rate is. I think I know it, but I might be off by half a percentage point. I do know that I really, really should refinance soon. Just as soon as we get the FAFSA and our ...

CBD offers 50 per cent discount on personal loan interest rates as part of ...
CBD offers 50 per cent discount on personal loan interest rates as part of ...

Mortgage Loan Rates Slipped Lower Last Week
The Mortgage Bankers Association (MBA) released its latest report on mortgage applications Wednesday morning. It noted a week-over-week increase of 1.3% in the group's seasonally adjusted composite index for the week ending January 30, following a ...

Looking For The Lowest Mortgage Rates? Don't Miss The VA Loan Program.
Conventional mortgage rates averaged 4.37%, according to Ellie Mae -- one-eighth of a percentage point above the average rate of all loans closed combined. It's also higher than the average monthly mortgage rate as reported by government-backed ...

Submitted Houston Community Newspapers
This is a personal finance question that many financial planners still ask to get a sense of your money management habits. It's intended to identify which person in the relationship is the spender or the saver. It's particularly important to ask each ...

Personal Finance: Getting Serious? Five Important Money Questions to Ask
This is a personal finance question that many financial planners still ask to get a sense of your money management habits. It's intended to identify which person in the relationship is the spender or the saver. It's particularly important to ask each ...

Personal Finance: 7 ways you're accidentally improving your credit
There's little doubt that Americans with higher credit scores get better deals on core consumer items like mortgages, auto loans and credit cards. In many cases, you might be getting those “good credit” benefits without even knowing it. In the credit ...

It's not unfair to pay for financial management
QUESTION: What do you think of financial management companies? My wife and I are in our 60s and want to grow our savings. Nether of us knows much about investing. We have talked to “financial advisers,” and it seems they are mainly interested in ...

Bankrate: Mortgage Rates Hover at Lowest Levels Since May 2013
NEW YORK, Feb. 5, 2015 /PRNewswire/ -- Mortgage rates were little changed, with the benchmark 30-year fixed mortgage rate holding at 3.80 percent, according to Bankrate.com's weekly national survey. The 30-year fixed mortgage has an average of 0.30 ...

A Consumer Guide to Personal Loans: Factors to Consider When Selecting ...
A Consumer Guide to Personal Loans: Factors to Consider When Selecting ...

Personal Finance Questions Before Marriage
Couples can learn a lot about each other's personal finance attitudes toward money even in the near term when they start talking about practical things such as wedding plans, says Marcy Keckler, vice president of advice strategy and programs for ...

Most Popular Personal Finance Book: Dave Ramsey's Total Money Makeover
If you're looking to get your finances in shape, there's no shortage of books to read that can help. Last week we asked you for the ones you thought were the best , then looked at the five best personal finance books and put them to a vote. Now we're ...

Average US rate on 30-year mortgage falls to 3.59 pct.
In this Jan. 8 2015 photo, real estate agent Sam Golkar enters a house being offered for sale in Cupertino, Calif. Freddie Mac reports on average U.S. mortgage rates on Thursday, Feb. 5, 2015. (AP Photo/Marcio Jose Sanchez). Associated Press Feb. 5 ...

30-Year Mortgage Rates Drop To 3.59%; Is It Finally Time To Refinance?
According to Freddie Mac's Primary Mortgage Market Survey (PMMS), the average 30-year fixed-rate mortgage rate fell 7 basis points (0.07%) this week to reach 3.59% nationwide. The rate is available to borrowers paying 0.7 discount points at closing ...

Mortgage rates fall to 20-month low, Freddie Mac says
Freddie Mac says average 30-year mortgage rate has fallen from 3.66% last week to 3.59%. Fixed mortgage interest rates fell this week to their lowest level in more than 20 months, with Freddie Mac reporting that lenders were offering conventional 30 ...

Average 30-year mortgage rate falls to 3.59%
WASHINGTON (AP) — Average long-term U.S. mortgage rates fell this week, resuming their downward trend of this year after rising slightly last week. Rates are near historically low levels. Mortgage company Freddie Mac said Thursday that the nationwide ...

Primary Fixed Rate Mortgage All-In Yields Fall More Than 0.04% Despite Rise In ...
Primary Fixed Rate Mortgage All-In Yields Fall More Than 0.04% Despite Rise In ...

Personal finance education adds up better in real world
For years, there's been a growing consensus that schools should be teaching children the principles of personal finance and, subsequently, 43 states now require it. Yet despite these efforts, most children continue to become financially unsavvy adults ...

Fixed-rate mortgages at new low, even for borrowers with a small deposit
Back on the up as Nationwide reports a 2% jump in January, taking the average house price to £193,130. Photograph: Matt Cardy/Getty Images. Patrick Collinson. Friday 6 February 2015 04.27 EST. Share on Facebook · Share on Twitter · Share via Email ...

Weekly Money: Round-up of the personal finance stories you may have missed ...
Weekly Money: Round-up of the personal finance stories you may have missed ...

Top Personal Finance and Budgeting Apps
We recently discussed the importance of budgeting. And while many of you are still old-school pen-to-paper or excel-spreadsheet dependent, those of us whose entire lives are on our phones, need an app. And there are a ton of personal finance apps out ...

Floating or Fixed Rates: Considerations in Choosing a Commercial Real Estate ...
Floating or Fixed Rates: Considerations in Choosing a Commercial Real Estate ...

Personal Finance Goals
Turning 30 is a big milestone in your life. You're making your goodbyes to young adulthood and slowly coming into your own. With age comes great responsibilities, and at the top of your list should be taking charge of your money. Our finances play a ...

Total Return: Highlights of the Journal's Personal-Finance Blog
People shopping for a home can now check the credit scores most mortgage lenders are likely to see for them—before they apply for a mortgage. Fair Isaac Corp. , the developer of the FICO credit score, has begun selling consumers a look at certain ...



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