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Personal Finance News 03/2015



The real reason brokers oppose a fiduciary standard
But because brokers can choose from dozens of investment products, all of them "suitable" for their clients, they are free to recommend the one that pays them the most — and often do. Wall Street is wasting no time revving up its lobbying machine now ...

Financial advice/John Ninfo: Personal finance for those in their 20s and 30s
In a prior column, I promised that I would discuss some critical personal finance issues for 20 and 30 year olds to focus on and learn about. This is perhaps more important for them to do than ever before, for many reasons, some of which we have ...

MSP Calendar Personal Finance
March 31: Second property tax payment on quarterly plan due; end of general enrollment period for Part A and B of Medicare. April 15: Due date for 2014 income tax return or application for a six-month extension; first installment of estimated 2015 ...

Advantages of prepayment and part payment of personal loan
A personal loan, however, is popular in the country as it helps get over a temporary or an urgent need of cash. Often used to buy consumer durables, weddings, health treatment or even vacation, personal loans are offered by most banks in the country ...

Real Estate is Doomed – Part 1: The Fed
US 30 year fixed mortgage rate, average – click to enlarge. The above chart illustrates how mortgage rates have enjoyed endless rounds of accommodation for about 35 years, since the time of Mr. Volcker, the last Fed chairman with a spine. With so much ...

Mortgage Rate Predictions For March 2015 (FHA, VA, USDA & Conv)
According to Freddie Mac's weekly mortgage rate survey of more than one hundred banks, 30-year mortgage rates averaged 3.80% last week, marking the fifteenth straight week of sub-4 percent rates; and the 15-year fixed rate mortgage rate averaged 3.07% ...

Current Mortgage Rates for Monday, March 2, 2015
Here is where Robert and I diverge. Even though it is March, it is still technically winter. That said, we woke up to another 6-8 inches of snow and ice this morning in Southwest Connecticut, I think that I've had more than enough winter. Your mileage ...

Why Choose a Personal Loan Over a Traditional Loan?
All loans are not created equal, and in recent years the personal loan has become a great option for people to use. However, you might be wondering just what makes a personal loan different from a traditional loan from your bank. After all, personal ...

UAE residents' alert: Personal loan rates decline by 30%
“Interest on personal loan has been coming down for two reasons – there is a lot of liquidity and every bank wants to grow assets and also lot of new banks coming to markets offering teaser rates which are lower… So there is more competition and ...

Rising Singapore interest rates sting mortgage borrowers
GRAPHIC: Three-month Sibor: link.reuters.com/dyv24w By Masayuki Kitano SINGAPORE, March 3 (Reuters) - The era of ultra-easy money is drawing to an end for Singapore mortgage holders, with domestic interest rates rising at their fastest pace in a ...

Rising Singapore interest rates sting mortgage borrowers with Sibor up at ...
Rising Singapore interest rates sting mortgage borrowers with Sibor up at ...

The 5 Biggest Personal Finance Milestones From My Life
I want to talk about the five biggest moments in my personal finance journey. I was never destitute, but growing up with a single mom, we didn't have anything resembling financial security. When it was time for me to go off on my own, I promptly did a ...

JPMorgan Chase & Co. Lowers International Personal Finance Plc Price Target ...
JPMorgan Chase & Co. Lowers International Personal Finance Plc Price Target ...

Lowest Mortgage Rates (In Order): VA Loans, Then FHA Loans, Then ...
Lowest Mortgage Rates (In Order): VA Loans, Then FHA Loans, Then ...

Securing the card you 'rent'
There's something in your pocket that does not belong to you, though you may not realise it. It's your credit card. You don't own it. The bank does. Kiwibank's terms and conditions for their credit cards make this plain, retaining ownership while still ...

30-Year Fixed Mortgage Rates Fall; Current Rate is 3.70%, According to Zillow ...
30-Year Fixed Mortgage Rates Fall; Current Rate is 3.70%, According to Zillow ...

30-Year Fixed Mortgage Rates Fall; Current Rate is 3.70%, According to Zillow ...
30-Year Fixed Mortgage Rates Fall; Current Rate is 3.70%, According to Zillow ...

Popular personal finance app Mint gets new bill reminders, accessibility options
Mint, the popular personal finance application, has received an update adding bill reminders, enhanced accessibility options, and a handful of further improvements. The app, developed by Intuit, lets users access and interact with their Mint.com ...

Personal Finance: Unique Planning Opportunities Using Social Security Survivor ...
Personal Finance: Unique Planning Opportunities Using Social Security Survivor ...

Slowing down the treadmill: personal finance and the Red Queen's race
Slowing down the treadmill: personal finance and the Red Queen's race. You have to move to stay in place, and move faster to get ahead. 03/04/2015 | ConsumerAffairs | Personal finance. facebook. twitter. google+. email; print. By Jennifer Abel ...

Personal Finance: Warranties usually start on purchase date, not delivery date
For Gavin Yee, it all came down to the eight days between when he purchased a Whirlpool dryer and when it was delivered to his home. His extended warranty expired just days before the dryer broke down. Whirlpool said it was tough luck. But Yee, 47 ...

Small personal loan at center of lawsuit against borrower by Springleaf ...
Small personal loan at center of lawsuit against borrower by Springleaf ...

'Obamacare' bill advances in Arkansas Legislature, personal finance bill filed
The state Senate approved a healthcare related bill as debate over the issue was going on nearly 1,000 miles away at the United States Supreme Court. Meanwhile, a bill that would help high school students understand how to pay for healthcare insurance ...

Bankrate: Mortgage Rates Post Minor Increase
NEW YORK, March 5, 2015 /PRNewswire/ -- Mortgage rates were up slightly this week, with the benchmark 30-year fixed mortgage rate rising to 3.93 percent, according to Bankrate.com's weekly national survey. The 30-year fixed mortgage has an average of ...

Mortgage Rates Post Minor Increase According to Bankrate.com Weekly ...
Mortgage Rates Post Minor Increase According to Bankrate.com Weekly ...

International Personal Finance Plc Rating Reiterated by HSBC (IPF)
International Personal Finance Plc logo International Personal Finance Plc (LON:IPF)'s stock had its “overweight” rating reaffirmed by equities research analysts at HSBC in a research note issued to investors on Thursday. They currently have a GBX 565 ...

Make the most of your 2015 tax allowances
The end of the tax year is nigh and when the clock strikes midnight on 5April you'll lose access to a range of tax-free allowances if you haven't used them. Here are the allowances available to you and how you can make use of them: ...

Average U.S. rate on 30-year mortgage drops to 3.75 percent
The E-Edition includes all of the news, comics, classifieds and advertisements of the newspaper. And it's available to subscribers before 6 a.m. every day. Subscribe. All current subscribers have full access to Digital D, which includes the E-Edition ...

Current Mortgage Rates for Thursday, March 5, 2015
mortgage rates Yesterday morning mortgage backed securities started for the worse, reversed course midday, and ended up rallying back to flat or a little better than flat. Mortgage rates were essentially unchanged on the day. This reversed, or at least ...

Average US 30-year mortgage rate drops to 3.75 percent
WASHINGTON — Average long-term mortgage rates have fallen for the first time in four weeks and remain near historic lows reached in May 2013. Mortgage giant Freddie Mac said Thursday that the national average for a 30-year, fixed-rate mortgage fell to ...

Average US rate on 30-year mortgage drops to 3.75 percent
This Jan. 8, 2015 photo shows a sign advertising lots for new homes for sale in Richmond, Va. Freddie Mac, the mortgage company, releases weekly mortgage rates on Thursday, March 5, 2015. (AP Photo/Steve Helber). WASHINGTON (AP) — Average ...

The new personal loan
The new personal loan. LoanDepot, a non-bank mortgage lender, will begin offering personal loans next month. How the payment works, with CNBC's Diana Olick. About Us · Careers · Contact · Privacy Policy – UPDATED · Terms of Service · Site Map ...

Will the banks cut prime again to spur spring housing market? Don't bet on it
Bank of Montreal, which has led some of the past “mortgage rate wars,” was also not available to comment. The prime rate has tended to rise and fall with the Bank of Canada's lending rate in the past. Anyone with a variable rate or floating rate ...

UAE residents should check credit history before taking out a loan
I want to take out a personal loan, but I'm concerned my past will come back to haunt me. I've heard there is a new credit bureau that records all your financial data, good and bad. Four years ago I missed some repayments on a previous loan, and ...

Strong February Jobs Report Pushes 30-Year Mortgage Rates Higher (FHA, VA ...
Strong February Jobs Report Pushes 30-Year Mortgage Rates Higher (FHA, VA ...

Current Mortgage Rates for Friday, March 6, 2015
arrow Hear that sound? That's the sound of mortgage bonds getting beaten like a rented mule in the aftermath of this morning's employment report. Yesterday we warned that this report The report surprised to the upside, showing that there is some real ...

Considering A Personal Loan? Read This First
Banks advertise personal loans as an easy and inexpensive way for people to get the money that they need for immediate issues, but they very rarely help the person explore how the personal loan will affect their finances in the future. This leaves the ...

Say goodbye to freakishly low mortgage rates
The last thing housing needs is a mortgage-rate whack in the slats. Low oil prices are a stimulus, but damaged households won't spend the savings. All of that on the thought of a 0.25 percent hike in June? No, there is more: Markets anticipate the ...

US consumers increased January borrowing by $11.6 billion
FILE - In this Oct. 28, 2014 file photo, shoppers check out at the Century 21 Department Store in Philadelphia. The Federal Reserve releases consumer credit data for January on Friday, March 6, 2015. MATT ROURKE, FILE — AP Photo ...

Personal Finance: When in debt, giving up is not the option
I may have written on this subject more than once. The only reason I chose it again today is because I see so many people wanting to throw in the towel when they just start meeting with their creditors, when situations seem difficult and unachievable ...

Mortgage Rate Summary for US Bank, BB&T Bank Mar 7, 2015
Standard 30 year fixed rate mortgages at US Bankcorp (NYSE:USB) are on the books at 4.500% today yielding an APR of 4.673%. The best 30 year FHA fixed rate mortgage interest rates have been offered at 4.375% and an APR of 4.879%. The typically ...

30-Year Fixed Mortgage Rate Down To 3.75%: Freddie Mac (FMCC)
According to the LA Times, mortgage interest rates have fallen for the first time in four weeks. A Federal Home Loan Mortgage Corp's (OTCBB:FMCC) survey, which was conducted on Thursday, showed lenders' offering of standard 30-year-fixed-rate loans to ...

Financial Planner of the Year entries close Friday
Entries for the Financial Planning Institute (FPI)/Personal Finance Financial Planner of the Year award, the highest accolade a financial planner can receive, close on Friday, March 13. The award recognises outstanding service by a Certified Financial ...

Conference tickets still available
The first one-day Ready Set Retire conference took place in Port Elizabeth this week, but you can still get a ticket to attend the conference in Cape Town, Johannesburg or Durban. Alexander Forbes and Personal Finance have teamed up to bring you the ...

Will they rise? Rate worries weigh on dividend stocks
NEW YORK — Dividend investing used to be so easy, not to mention lucrative. But it may be set to get a lot different. Stocks that pay the biggest dividends took a nose dive last month. Power and gas utilities — once such steady and boring payers of ...

Three more top awards for Mail on Sunday's Personal Finance section
The Mail on Sunday's Personal Finance section has once more been recognised for excellence in its coverage of important consumer issues by scooping three awards during the first quarter of 2015. Personal Finance Editor Jeff Prestridge last week ...

Personal loan salesman messes with a saint's “tapasya”, gets cursed to carry ...
Personal loan salesman messes with a saint's “tapasya”, gets cursed to carry ...

All the ways mortgage lenders game the rules to their own benefit
It is almost a year since new mortgage regulations were introduced that transformed the way lenders assessed new borrowers, who must now meet tough affordability criteria. The mortgage industry has had plenty of time to adapt to the regime, but 12 ...

Personal Finance Q&A: Is too much of my savings in retirement accounts?
Dear Liz: I'm 26 and make $45,000 per year. I currently have about $60,000 saved with no debt. Roughly half of my assets are in retirement accounts, and the other half are in non-retirement accounts. I strive to save 30% of my income (about 15% in pre ...

Current Mortgage Rates for Monday, March 9, 2015
real_Estate_questions_mortgage_foreclosure_real-estate-law Last week was not a great one for mortgage backed securities. Bonds of all types sold off slightly throughout the week only to really get battered on Friday after the February employment report ...



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